Assessing the Progress of Reauthorization: An Examination of Direct Lending.

ERIC Educational Resources Information Center

National Association of Student Financial Aid Administrators, Washington, DC.

This paper offers information and analysis of the direct lending portion of the reauthorization of the Higher Education Act of 1965. The direct lending proposal is described in an opening letter to the reader as a provision that would make the Pell Grant Program an entitlement and raise the maximum award to $4,500 with provisions that would…

Correlation of Lunar South Polar Epithermal Neutron Maps: Lunar Exploration Neutron Detector and Lunar Prospector Neutron Detector

NASA Technical Reports Server (NTRS)

McClanahan, Timothy P.; Mitrofanov, I. G.; Boynton, W. V.; Sagdeev, R.; Trombka, J. I.; Starr, R. D.; Evans, L. G.; Litvak, M. L.; Chin, G.; Garvin, J.;

Self-domestication in Homo sapiens: Insights from comparative genomics

PubMed Central

O’Rourke, Thomas; Samuels, Bridget D.; Messner, Angela; Martins, Pedro Tiago; Delogu, Francesco; Alamri, Saleh

2017-01-01

This study identifies and analyzes statistically significant overlaps between selective sweep screens in anatomically modern humans and several domesticated species. The results obtained suggest that (paleo-)genomic data can be exploited to complement the fossil record and support the idea of self-domestication in Homo sapiens, a process that likely intensified as our species populated its niche. Our analysis lends support to attempts to capture the “domestication syndrome” in terms of alterations to certain signaling pathways and cell lineages, such as the neural crest. PMID:29045412

Dependency, democracy, and infant mortality: a quantitative, cross-national analysis of less developed countries.

PubMed

Shandra, John M; Nobles, Jenna; London, Bruce; Williamson, John B

2004-07-01

This study presents quantitative, sociological models designed to account for cross-national variation in infant mortality rates. We consider variables linked to four different theoretical perspectives: the economic modernization, social modernization, political modernization, and dependency perspectives. The study is based on a panel regression analysis of a sample of 59 developing countries. Our preliminary analysis based on additive models replicates prior studies to the extent that we find that indicators linked to economic and social modernization have beneficial effects on infant mortality. We also find support for hypotheses derived from the dependency perspective suggesting that multinational corporate penetration fosters higher levels of infant mortality. Subsequent analysis incorporating interaction effects suggest that the level of political democracy conditions the effects of dependency relationships based upon exports, investments from multinational corporations, and international lending institutions. Transnational economic linkages associated with exports, multinational corporations, and international lending institutions adversely affect infant mortality more strongly at lower levels of democracy than at higher levels of democracy: intranational, political factors interact with the international, economic forces to affect infant mortality. We conclude with some brief policy recommendations and suggestions for the direction of future research.

Transforming LEND leadership training curriculum through the maternal and child health leadership competencies.

PubMed

Humphreys, Betsy P; Couse, Leslie J; Sonnenmeier, Rae M; Kurtz, Alan; Russell, Susan M; Antal, Peter

2015-02-01

The purpose of this article is to describe how the Maternal and Child Health (MCH) Leadership Competencies (v 3.0) were used to examine and improve an MCH Leadership Education in Neurodevelopmental and Related Disabilities (LEND) training curriculum for New Hampshire and Maine. Over 15 % of the nation's children experience neurodevelopmental disabilities or special health care needs and estimates suggest 1 in every 68 children is diagnosed with an autism spectrum disorder. Across the Unites States critical shortages of qualified MCH professionals exist, particularly in poor and rural areas. A continued investment in training interdisciplinary leaders is critical. The MCH Leadership Competencies provide an effective foundation for leadership training through identification of requisite knowledge, skills, and dispositions required of MCH leaders. This paper describes a three-step process, which began in 2010 and included utilizing the MCH Leadership Competencies as a tool to reflect on, develop, and evaluate the NH LEND leadership curriculum. Curriculum development was further supported through participation in a multi-state learning collaborative. Through a series of intentional decisions, the curriculum design of NH LEND utilized the competencies and evidence-based principles of instruction to engage trainees in the development of specific MCH content knowledge and leadership skills. The LEND network specifically, and MCH leadership programs more broadly, may benefit from the intentional use of the MCH competencies to assist in curriculum development and program evaluation, and as a means to support trainees in identifying specific leadership goals and evaluating their leadership skill development.

Response to comment on "Hydrogen mapping of the lunar South Pole using the LRO neutron detector experiment LEND".

PubMed

Mitrofanov, I G; Boynton, W V; Litvak, M L; Sanin, A B; Starr, R D

2011-11-25

Critical comments from Lawrence et al. are considered on the capability of the collimated neutron telescope Lunar Exploration Neutron Detector (LEND) on NASA's Lunar Reconnaissance Orbiter (LRO) for mapping lunar epithermal neutrons, as presented in our paper. We present two different analyses to show that our previous estimated count rates are valid and support the conclusions of that paper.

A decision support model for investment on P2P lending platform.

PubMed

Zeng, Xiangxiang; Liu, Li; Leung, Stephen; Du, Jiangze; Wang, Xun; Li, Tao

2017-01-01

Peer-to-peer (P2P) lending, as a novel economic lending model, has triggered new challenges on making effective investment decisions. In a P2P lending platform, one lender can invest N loans and a loan may be accepted by M investors, thus forming a bipartite graph. Basing on the bipartite graph model, we built an iteration computation model to evaluate the unknown loans. To validate the proposed model, we perform extensive experiments on real-world data from the largest American P2P lending marketplace-Prosper. By comparing our experimental results with those obtained by Bayes and Logistic Regression, we show that our computation model can help borrowers select good loans and help lenders make good investment decisions. Experimental results also show that the Logistic classification model is a good complement to our iterative computation model, which motivates us to integrate the two classification models. The experimental results of the hybrid classification model demonstrate that the logistic classification model and our iteration computation model are complementary to each other. We conclude that the hybrid model (i.e., the integration of iterative computation model and Logistic classification model) is more efficient and stable than the individual model alone.

A decision support model for investment on P2P lending platform

PubMed Central

Liu, Li; Leung, Stephen; Du, Jiangze; Wang, Xun; Li, Tao

2017-01-01

Peer-to-peer (P2P) lending, as a novel economic lending model, has triggered new challenges on making effective investment decisions. In a P2P lending platform, one lender can invest N loans and a loan may be accepted by M investors, thus forming a bipartite graph. Basing on the bipartite graph model, we built an iteration computation model to evaluate the unknown loans. To validate the proposed model, we perform extensive experiments on real-world data from the largest American P2P lending marketplace—Prosper. By comparing our experimental results with those obtained by Bayes and Logistic Regression, we show that our computation model can help borrowers select good loans and help lenders make good investment decisions. Experimental results also show that the Logistic classification model is a good complement to our iterative computation model, which motivates us to integrate the two classification models. The experimental results of the hybrid classification model demonstrate that the logistic classification model and our iteration computation model are complementary to each other. We conclude that the hybrid model (i.e., the integration of iterative computation model and Logistic classification model) is more efficient and stable than the individual model alone. PMID:28877234

Determinants of Default in P2P Lending

PubMed Central

2015-01-01

This paper studies P2P lending and the factors explaining loan default. This is an important issue because in P2P lending individual investors bear the credit risk, instead of financial institutions, which are experts in dealing with this risk. P2P lenders suffer a severe problem of information asymmetry, because they are at a disadvantage facing the borrower. For this reason, P2P lending sites provide potential lenders with information about borrowers and their loan purpose. They also assign a grade to each loan. The empirical study is based on loans’ data collected from Lending Club (N = 24,449) from 2008 to 2014 that are first analyzed by using univariate means tests and survival analysis. Factors explaining default are loan purpose, annual income, current housing situation, credit history and indebtedness. Secondly, a logistic regression model is developed to predict defaults. The grade assigned by the P2P lending site is the most predictive factor of default, but the accuracy of the model is improved by adding other information, especially the borrower’s debt level. PMID:26425854

Determinants of Default in P2P Lending.

PubMed

Serrano-Cinca, Carlos; Gutiérrez-Nieto, Begoña; López-Palacios, Luz

2015-01-01

This paper studies P2P lending and the factors explaining loan default. This is an important issue because in P2P lending individual investors bear the credit risk, instead of financial institutions, which are experts in dealing with this risk. P2P lenders suffer a severe problem of information asymmetry, because they are at a disadvantage facing the borrower. For this reason, P2P lending sites provide potential lenders with information about borrowers and their loan purpose. They also assign a grade to each loan. The empirical study is based on loans' data collected from Lending Club (N = 24,449) from 2008 to 2014 that are first analyzed by using univariate means tests and survival analysis. Factors explaining default are loan purpose, annual income, current housing situation, credit history and indebtedness. Secondly, a logistic regression model is developed to predict defaults. The grade assigned by the P2P lending site is the most predictive factor of default, but the accuracy of the model is improved by adding other information, especially the borrower's debt level.

Lending Officers' Decisions to Recommend Innovative Agricultural Technology.

ERIC Educational Resources Information Center

McIntosh, Wm. Alex; Zey-Ferrell, Mary

1986-01-01

Path analysis examines an analytical model of decision making by lending officers of 211 Texas banks when recommending agricultural technology to farmer-clients. Model analyzes effects of loan officers' ascribed/achieved personal characteristics and perceptions of organizational constraints during three stages of decision process: using…

A QUANTITATIVE COMPARISON OF LUNAR ORBITAL NEUTRON DATA

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

Eke, V. R.; Teodoro, L. F. A.; Lawrence, D. J.

2012-03-01

Data from the Lunar Exploration Neutron Detector (LEND) Collimated Sensors for Epithermal Neutrons (CSETN) are used in conjunction with a model based on results from the Lunar Prospector (LP) mission to quantify the extent of the background in the LEND CSETN. A simple likelihood analysis implies that at least 90% of the lunar component of the LEND CSETN flux results from high-energy epithermal (HEE) neutrons passing through the walls of the collimator. Thus, the effective FWHM of the LEND CSETN field of view is comparable to that of the omni-directional LP Neutron Spectrometer. The resulting map of HEE neutrons offersmore » the opportunity to probe the hydrogen abundance at low latitudes and to provide constraints on the distribution of lunar water.« less

Design and architecture of the Mars relay network planning and analysis framework

NASA Technical Reports Server (NTRS)

Cheung, K. M.; Lee, C. H.

2002-01-01

In this paper we describe the design and architecture of the Mars Network planning and analysis framework that supports generation and validation of efficient planning and scheduling strategy. The goals are to minimize the transmitting time, minimize the delaying time, and/or maximize the network throughputs. The proposed framework would require (1) a client-server architecture to support interactive, batch, WEB, and distributed analysis and planning applications for the relay network analysis scheme, (2) a high-fidelity modeling and simulation environment that expresses link capabilities between spacecraft to spacecraft and spacecraft to Earth stations as time-varying resources, and spacecraft activities, link priority, Solar System dynamic events, the laws of orbital mechanics, and other limiting factors as spacecraft power and thermal constraints, (3) an optimization methodology that casts the resource and constraint models into a standard linear and nonlinear constrained optimization problem that lends itself to commercial off-the-shelf (COTS)planning and scheduling algorithms.

Empirical Analysis of Effects of Bank Mergers and Acquisitions on Small Business Lending in Nigeria

NASA Astrophysics Data System (ADS)

Ita, Asuquo Akabom

2012-11-01

Mergers and acquisitions are the major instruments of the recent banking reforms in Nigeria.The effects and the implications of the reforms on the lending practices of merged banks to small businesses were considered in this study. These effects were divided into static and dynamic effects (restructuring, direct and external). Data were collected by cross-sectional research design and were subsequently analyzed by the ordinary least square (OLS) method.The analyses show that bank size, financial characteristics and deposit of non-merged banks are positively related to small business lending. While for the merged banks, the reverse is the case. From the above result, it is evident that merger and acquisition have not only static effect on small business lending but also dynamic effect, therefore, given the central position of small businesses in the current government policy on industrialization in Nigeria, policy makers in Nigeria, should consider both the static and dynamic effects of merger and acquisition on small business lending in their policy thrust.

Global Maps of Lunar Neutron Fluxes from the LEND Instrument

NASA Technical Reports Server (NTRS)

Litvak, M. L.; Mitrofanov, I. G.; Sanin, A.; Malakhov, A.; Boynton, W. V.; Chin, G.; Droege, G.; Evans, L. G.; Garvin, J.; Golovin, D. V.;

Peer-to-peer lending and bias in crowd decision-making

PubMed Central

Uparna, Jayaram; Karampourniotis, Panagiotis; Horvat, Emoke-Agnes; Szymanski, Boleslaw; Korniss, Gyorgy; Bakdash, Jonathan Z.; Uzzi, Brian

2018-01-01

Peer-to-peer lending is hypothesized to help equalize economic opportunities for the world’s poor. We empirically investigate the “flat-world” hypothesis, the idea that globalization eventually leads to economic equality, using crowdfinancing data for over 660,000 loans in 220 nations and territories made between 2005 and 2013. Contrary to the flat-world hypothesis, we find that peer-to-peer lending networks are moving away from flatness. Furthermore, decreasing flatness is strongly associated with multiple variables: relatively stable patterns in the difference in the per capita GDP between borrowing and lending nations, ongoing migration flows from borrowing to lending nations worldwide, and the existence of a tie as a historic colonial. Our regression analysis also indicates a spatial preference in lending for geographically proximal borrowers. To estimate the robustness for these patterns for future changes, we construct a network of borrower and lending nations based on the observed data. Then, to perturb the network, we stochastically simulate policy and event shocks (e.g., erecting walls) or regulatory shocks (e.g., Brexit). The simulations project a drift towards rather than away from flatness. However, levels of flatness persist only for randomly distributed shocks. By contrast, loss of the top borrowing nations produces more flatness, not less, indicating how the welfare of the overall system is tied to a few distinctive and critical country–pair relationships. PMID:29590131

Peer-to-peer lending and bias in crowd decision-making.

PubMed

Singh, Pramesh; Uparna, Jayaram; Karampourniotis, Panagiotis; Horvat, Emoke-Agnes; Szymanski, Boleslaw; Korniss, Gyorgy; Bakdash, Jonathan Z; Uzzi, Brian

2018-01-01

Peer-to-peer lending is hypothesized to help equalize economic opportunities for the world's poor. We empirically investigate the "flat-world" hypothesis, the idea that globalization eventually leads to economic equality, using crowdfinancing data for over 660,000 loans in 220 nations and territories made between 2005 and 2013. Contrary to the flat-world hypothesis, we find that peer-to-peer lending networks are moving away from flatness. Furthermore, decreasing flatness is strongly associated with multiple variables: relatively stable patterns in the difference in the per capita GDP between borrowing and lending nations, ongoing migration flows from borrowing to lending nations worldwide, and the existence of a tie as a historic colonial. Our regression analysis also indicates a spatial preference in lending for geographically proximal borrowers. To estimate the robustness for these patterns for future changes, we construct a network of borrower and lending nations based on the observed data. Then, to perturb the network, we stochastically simulate policy and event shocks (e.g., erecting walls) or regulatory shocks (e.g., Brexit). The simulations project a drift towards rather than away from flatness. However, levels of flatness persist only for randomly distributed shocks. By contrast, loss of the top borrowing nations produces more flatness, not less, indicating how the welfare of the overall system is tied to a few distinctive and critical country-pair relationships.

The Group-lending Model and Social Closure: Microcredit, Exclusion, and Health in Bangladesh

PubMed Central

Johnston, Heidi Bart

2009-01-01

According to social exclusion theory, health risks are positively associated with involuntary social, economic, political and cultural exclusion from society. In this paper, a social exclusion framework has been used, and available literature on microcredit in Bangladesh has been reviewed to explore the available evidence on associations among microcredit, exclusion, and health outcomes. The paper addresses the question of whether participation in group-lending reduces health inequities through promoting social inclusion. The group-lending model of microcredit is a development intervention in which small-scale credit for income-generation activities is provided to groups of individuals who do not have material collateral. The paper outlines four pathways through which microcredit can affect health status: financing care in the event of health emergencies; financing health inputs such as improved nutrition; as a platform for health education; and by increasing social capital through group meetings and mutual support. For many participants, the group-lending model of microcredit can mitigate exclusionary processes and lead to improvements in health for some; for others, it can worsen exclusionary processes which contribute to health disadvantage. PMID:19761085

The group-lending model and social closure: microcredit, exclusion, and health in Bangladesh.

PubMed

Schurmann, Anna T; Johnston, Heidi Bart

2009-08-01

According to social exclusion theory, health risks are positively associated with involuntary social, economic, political and cultural exclusion from society. In this paper, a social exclusion framework has been used, and available literature on microcredit in Bangladesh has been reviewed to explore the available evidence on associations among microcredit, exclusion, and health outcomes. The paper addresses the question of whether participation in group-lending reduces health inequities through promoting social inclusion. The group-lending model of microcredit is a development intervention in which small-scale credit for income-generation activities is provided to groups of individuals who do not have material collateral. The paper outlines four pathways through which microcredit can affect health status: financing care in the event of health emergencies; financing health inputs such as improved nutrition; as a platform for health education; and by increasing social capital through group meetings and mutual support. For many participants, the group-lending model of microcredit can mitigate exclusionary processes and lead to improvements in health for some; for others, it can worsen exclusionary processes which contribute to health disadvantage.

Vocational students' learning preferences: the interpretability of ipsative data.

PubMed

Smith, P J

2000-02-01

A number of researchers have argued that ipsative data are not suitable for statistical procedures designed for normative data. Others have argued that the interpretability of such analyses of ipsative data are little affected where the number of variables and the sample size are sufficiently large. The research reported here represents a factor analysis of the scores on the Canfield Learning Styles Inventory for 1,252 students in vocational education. The results of the factor analysis of these ipsative data were examined in a context of existing theory and research on vocational students and lend support to the argument that the factor analysis of ipsative data can provide sensibly interpretable results.

Academic Competitions.

ERIC Educational Resources Information Center

Marin County Office of Education, San Rafael, CA.

Descriptions of scholastic competitions for Marin County (California) students are presented. Following a rationale for conducting scholastic competitions, community groups and businesses which lend support are listed along with the type of support given. Participating grade levels, dates of competition during the 1983-84 school year, and a brief…

DNA-DNA hybridization-based phylogeny for "higher" nonpasserines: reevaluating a key portion of the avian family tree.

PubMed

Bleiweiss, R; Kirsch, J A; Lapointe, F J

1994-09-01

A matrix of delta T mode values for 10 birds, including 9 nonpasserines and a suboscine passerine flycatcher, was generated by DNA-DNA hybridization. Within the most derived lineages, all bootstrapped and jackknifed FITCH trees lend strong support to sister-groupings of the two swift families, of hummingbirds to swifts, and of these to a clade containing both owls and night-hawks. The outgroup duck roots the tree between the woodpecker (Piciformes) and the remaining taxa, indicating that Piciformes are among the earliest branches within nonpasserines. However, the succeeding branches to kingfisher, mousebird, and suboscine passerine flycatcher are based on short internodes that are poorly supported by bootstrapping and that give inconsistent results in jackknifing. Although these 3 orders may have arisen through rapid or near-simultaneous divergence, placement of the "advanced" Passeriformes deep within a more "primitive" radiation indicates that nonpasserines are paraphyletic, echoing the same distinction for reptiles with respect to their advanced descendants. Despite significant rate variation among different taxa, these results largely concur with those obtained with the same technique by Sibley and Ahlquist, who used the delta T50H measure and UPGMA analysis. This agreement lends credence to some of their more controversial claims.

32 CFR 733.3 - Information and policy on support of dependents.

Code of Federal Regulations, 2012 CFR

2012-07-01

... so would lend excessive credence to administrative tools which have been designed for use only within... armed forces). Interim support for each family member shall be either $200.00 per supported family... of 1/3 gross pay, per month. (4) Both spouses in the armed forces. (i) No children of the marriage...

Acculturative dissonance, ethnic identity, and youth violence.

PubMed

Le, Thao N; Stockdale, Gary

2008-01-01

Studies suggest that the process of acculturation for immigrant youth, particularly for second-generation youth, is significantly associated with delinquency and violence. This study explored the acculturation-violence link with respect to acculturative dissonance and ethnic identity. The results revealed in a sample of 329 Chinese, Cambodian, Mien/Laotian, and Vietnamese youth that acculturative dissonance was significantly predictive of serious violence, with full mediation through peer delinquency. Ethnic identity was not significantly associated with peer delinquency or serious violence. Although acculturative dissonance and ethnic identity accounted for a small percentage of variance in violence compared with peer delinquency, it cannot be discounted as trivial. Structural equation analyses provided support for both measurement and structural invariance across the four ethnic groups, lending support for cross-cultural comparisons. The results also lend support for the inclusion of cultural factors in youth violence prevention and intervention efforts. 2008 APA

The role of artificial intelligence and expert systems in increasing STS operations productivity

NASA Technical Reports Server (NTRS)

Culbert, C.

1985-01-01

Artificial Intelligence (AI) is discussed. A number of the computer technologies pioneered in the AI world can make significant contributions to increasing STS operations productivity. Application of expert systems, natural language, speech recognition, and other key technologies can reduce manpower while raising productivity. Many aspects of STS support lend themselves to this type of automation. The artificial intelligence section of the mission planning and analysis division has developed a number of functioning prototype systems which demonstrate the potential gains of applying AI technology.

12 CFR 944.6 - Bank community support programs.

Code of Federal Regulations, 2010 CFR

2010-01-01

... modification, which shall require the Bank to: (i) Conduct market research in the Bank's district; (ii... and implementing its Targeted Community Lending Plan; and (iv) Establish quantitative targeted...

12 CFR 1290.6 - Bank community support programs.

Code of Federal Regulations, 2014 CFR

2014-01-01

... to modification, which shall require the Bank to—(i) Conduct market research in the Bank's district... and implementing its Targeted Community Lending Plan; and (iv) Establish quantitative targeted...

Supporting English Language Arts Standards within the Context of Early Singing Experiences

ERIC Educational Resources Information Center

Nordquist, Alice L.

2015-01-01

Music teachers may integrate a variety of English language arts content standards into their curriculum to enhance students' music experiences while also supporting their language development. John M. Feierabend and Melanie Champagne's picture book adaptation of "My Aunt Came Back" lends itself to multiple singing and discussion…

Integrating Family as a Discipline by Providing Parent Led Curricula: Impact on LEND Trainees' Leadership Competency.

PubMed

Keisling, Bruce L; Bishop, Elizabeth A; Roth, Jenness M

2017-05-01

Background While the MCH Leadership Competencies and family as a discipline have been required elements of Leadership Education in Neurodevelopmental and related Disabilities (LEND) programs for over a decade, little research has been published on the efficacy of either programmatic component in the development of the next generation of leaders who can advocate and care for Maternal and Child Health (MCH) populations. Objective To test the effectiveness of integrating the family discipline through implementation of parent led curricula on trainees' content knowledge, skills, and leadership development in family-centered care, according to the MCH Leadership Competencies. Methods One hundred and two long-term (≥ 300 h) LEND trainees completed a clinical and leadership training program which featured intensive parent led curricula supported by a full-time family faculty member. Trainees rated themselves on the five Basic and Advanced skill items that comprise MCH Leadership Competency 8: Family-centered Care at the beginning and conclusion of their LEND traineeship. Results When compared to their initial scores, trainees rated themselves significantly higher across all family-centered leadership competency items at the completion of their LEND traineeship. Conclusions The intentional engagement of a full-time family faculty member and parent led curricula that include didactic and experiential components are associated with greater identification and adoption by trainees of family-centered attitudes, skills, and practices. However, the use of the MCH Leadership Competencies as a quantifiable measure of program evaluation, particularly leadership development, is limited.

"A Treasure Chest of Service": The Role of Toy Libraries within Play Policy in Wales

ERIC Educational Resources Information Center

Powell, Robat; Seaton, Nia

2007-01-01

Since the first toy libraries opened in the 1960s and 1970s to support families of children with special educational needs, they have expanded to serve broader communities. Toy libraries do more than lend toys: they can provide family support services and specialist support to families with children with special educational needs, benefit…

A PRACTICAL ONTOLOGY FOR THE LARGE-SCALE MODELING OF SCHOLARLY ARTIFACTS AND THEIR USAGE

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

RODRIGUEZ, MARKO A.; BOLLEN, JOHAN; VAN DE SOMPEL, HERBERT

2007-01-30

The large-scale analysis of scholarly artifact usage is constrained primarily by current practices in usage data archiving, privacy issues concerned with the dissemination of usage data, and the lack of a practical ontology for modeling the usage domain. As a remedy to the third constraint, this article presents a scholarly ontology that was engineered to represent those classes for which large-scale bibliographic and usage data exists, supports usage research, and whose instantiation is scalable to the order of 50 million articles along with their associated artifacts (e.g. authors and journals) and an accompanying 1 billion usage events. The real worldmore » instantiation of the presented abstract ontology is a semantic network model of the scholarly community which lends the scholarly process to statistical analysis and computational support. They present the ontology, discuss its instantiation, and provide some example inference rules for calculating various scholarly artifact metrics.« less

Investigating the Effects of Exam Length on Performance and Cognitive Fatigue

PubMed Central

Jensen, Jamie L.; Berry, Dane A.; Kummer, Tyler A.

2013-01-01

This study examined the effects of exam length on student performance and cognitive fatigue in an undergraduate biology classroom. Exams tested higher order thinking skills. To test our hypothesis, we administered standard- and extended-length high-level exams to two populations of non-majors biology students. We gathered exam performance data between conditions as well as performance on the first and second half of exams within conditions. We showed that lengthier exams led to better performance on assessment items shared between conditions, possibly lending support to the spreading activation theory. It also led to greater performance on the final exam, lending support to the testing effect in creative problem solving. Lengthier exams did not result in lower performance due to fatiguing conditions, although students perceived subjective fatigue. Implications of these findings are discussed with respect to assessment practices. PMID:23950918

What Would Catherine of Sienna Do? Spiritual Formation and the Brains of Adolescent Girls

ERIC Educational Resources Information Center

Baker, Dori; Edwards, Ned

2012-01-01

This article explores how new knowledge about the adolescent female brain lends theoretical support to narrative and contemplative practices of spiritual formation of girls. Current brain research supports the use of particular methods of religious formation for teenagers in general, and teenage girls in particular. This article suggests that…

12 CFR 195.22 - Lending test.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 1 2012-01-01 2012-01-01 false Lending test. 195.22 Section 195.22 Banks and... Assessing Performance § 195.22 Lending test. (a) Scope of test. (1) The lending test evaluates a savings... lending test except the community development lending criterion. (b) Performance criteria. The appropriate...

13 CFR 307.18 - Addition of lending areas; merger of RLFs.

Code of Federal Regulations, 2010 CFR

2010-01-01

... Additional Lending Area and revise its lending strategy, as necessary; (vi) The RLF Recipient shall execute... conditions reasonably requested by EDA. (2) The New Lending Area designation shall remain in place... Lending Area(s)), its lending strategy and borrower criteria; (iv) Prior to EDA's disbursement of...

12 CFR 345.22 - Lending test.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 4 2011-01-01 2011-01-01 false Lending test. 345.22 Section 345.22 Banks and... REINVESTMENT Standards for Assessing Performance § 345.22 Lending test. (a) Scope of test. (1) The lending test... consider these loans under any criterion of the lending test except the community development lending...

12 CFR 345.22 - Lending test.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 5 2012-01-01 2012-01-01 false Lending test. 345.22 Section 345.22 Banks and... REINVESTMENT Standards for Assessing Performance § 345.22 Lending test. (a) Scope of test. (1) The lending test... consider these loans under any criterion of the lending test except the community development lending...

12 CFR 614.4351 - Computation of lending and leasing limit base.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 6 2011-01-01 2011-01-01 false Computation of lending and leasing limit base... POLICIES AND OPERATIONS Lending and Leasing Limits § 614.4351 Computation of lending and leasing limit base. (a) Lending and leasing limit base. An institution's lending and leasing limit base is composed of...

12 CFR 614.4351 - Computation of lending and leasing limit base.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 12 Banks and Banking 7 2013-01-01 2013-01-01 false Computation of lending and leasing limit base... POLICIES AND OPERATIONS Lending and Leasing Limits § 614.4351 Computation of lending and leasing limit base. (a) Lending and leasing limit base. An institution's lending and leasing limit base is composed of...

12 CFR 614.4351 - Computation of lending and leasing limit base.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 7 2012-01-01 2012-01-01 false Computation of lending and leasing limit base... POLICIES AND OPERATIONS Lending and Leasing Limits § 614.4351 Computation of lending and leasing limit base. (a) Lending and leasing limit base. An institution's lending and leasing limit base is composed of...

12 CFR 614.4351 - Computation of lending and leasing limit base.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Computation of lending and leasing limit base... POLICIES AND OPERATIONS Lending and Leasing Limits § 614.4351 Computation of lending and leasing limit base. (a) Lending and leasing limit base. An institution's lending and leasing limit base is composed of...

Perceived social support and early adolescents' achievement: the mediational roles of motivational beliefs and emotions.

PubMed

Ahmed, Wondimu; Minnaert, Alexander; van der Werf, Greetje; Kuyper, Hans

2010-01-01

Although a bulk of literature shows that perceived social support (PSS) influences academic achievement, the mechanisms through which this effect operates received little empirical attention. The present study examined the multiple mediational effects of motivational beliefs (competence beliefs and subjective value) and emotions (anxiety and enjoyment) that may account for the empirical link between PSS (from parents, peers and teachers) and mathematics achievement. The participants of the study were 238 grade 7 students (average age = 13.2 years, girls = 54%, predominantly native Dutch middle class socioeconomic status). A bootstrap analysis (a relatively new technique for testing multiple mediation) revealed that the motivational beliefs and the emotions, jointly, partially mediated the effect of PSS on achievement. The proportion of the effects mediated, however, varied across the support sources from 55% to 75%. The findings lend support to the theoretical assumptions in the literature that supportive social relationships influence achievement through motivational and affective pathways.

Parents' Responses to a Kindergarten-Classroom Lending-Library Component Designed to Support Shared Reading at Home

ERIC Educational Resources Information Center

Meyer, Lori E.; Ostrosky, Michaelene M.; Yu, SeonYeong; Favazza, Paddy C.; Mouzourou, Chryso; van Luling, Lisa; Park, Hyejin

2016-01-01

Teachers often recommend that families engage their children in shared book reading to support literacy learning at home. When teachers purposefully provide families with home literacy activities there are benefits for everyone involved. The purpose of this article is to report the findings of a study that examined parental participation and…

16 CFR 14.16 - Interpretation of Truth-in-Lending Orders consistent with amendments to the Truth-in-Lending Act...

Code of Federal Regulations, 2010 CFR

2010-01-01

... 16 Commercial Practices 1 2010-01-01 2010-01-01 false Interpretation of Truth-in-Lending Orders consistent with amendments to the Truth-in-Lending Act and Regulation Z. 14.16 Section 14.16 Commercial...-Lending Orders consistent with amendments to the Truth-in-Lending Act and Regulation Z. Introduction The...

Crater Age and Hydrogen Content in Lunar Regolith from LEND Neutron Data

NASA Astrophysics Data System (ADS)

Sanin, Anton; Starr, Richard; Litvak, Maxim; Petro, Noah; Mitrofanov, Igor

2017-04-01

We are presenting an analysis of Lunar Exploration Neutron Detector (LEND) epithermal neutron count rates for a large set of mid-latitude craters. Epithermal neutron count rates for crater interiors measured by the LEND Sensor for Epithermal Neutrons (SETN) were compared to crater exteriors for 322 craters. An increase in relative count rate at about 9-sigma confidence level was found, consistent with a lower hydrogen content. A smaller subset of 31 craters, all located near three Copernican era craters, Jackson, Tycho, and Necho, also shows a significant increase in Optical Maturity parameter implying an immature regolith. The increase in SETN count rate for these craters is greater than the increase for the full set of craters by more than a factor of two.

Crater Age and Hydrogen Content in Lunar Regolith from LEND Neutron Data

NASA Technical Reports Server (NTRS)

Starr, Richard D.; Litvak, Maxim L.; Petro, Noah E.; Mitrofanov, Igor G.; Boynton, William V.; Chin, Gordon; Livengood, Timothy A.; McClanahan, Timothy P.; Sanin, Anton B.; Sagdeev, Roald Z.;

12 CFR 560.93 - Lending limitations.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Lending limitations. 560.93 Section 560.93 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY LENDING AND INVESTMENT Lending and Investment Provisions Applicable to all Savings Associations § 560.93 Lending limitations. (a...

12 CFR 365.2 - Real estate lending standards.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Real estate lending standards. 365.2 Section... POLICY REAL ESTATE LENDING STANDARDS § 365.2 Real estate lending standards. (a) Each insured state... purpose of financing permanent improvements to real estate. (b)(1) Real estate lending policies adopted...

13 CFR 307.7 - Revolving Loan Funds established for business lending.

Code of Federal Regulations, 2010 CFR

2010-01-01

... for business lending. 307.7 Section 307.7 Business Credit and Assistance ECONOMIC DEVELOPMENT... Revolving Loan Funds and Use of Grant Funds § 307.7 Revolving Loan Funds established for business lending... lending, but may also fund public infrastructure or other authorized lending activities. The requirements...

An Empirical Analysis of the Default Rate of Informal Lending—Evidence from Yiwu, China

NASA Astrophysics Data System (ADS)

Lu, Wei; Yu, Xiaobo; Du, Juan; Ji, Feng

This study empirically analyzes the underlying factors contributing to the default rate of informal lending. This paper adopts snowball sampling interview to collect data and uses the logistic regression model to explore the specific factors. The results of these analyses validate the explanation of how the informal lending differs from the commercial loan. Factors that contribute to the default rate have particular attributes, while sharing some similarities with commercial bank or FICO credit scoring Index. Finally, our concluding remarks draw some inferences from empirical analysis and speculate as to what this may imply for the role of formal and informal financial sectors.

Integrated Communications and Practitioners' Perceived Needs.

ERIC Educational Resources Information Center

Rose, Patricia B.; Miller, Debra A.

1993-01-01

Finds little or no difference in the interest of small market advertising and public relations practitioners in professional courses. Lends support to the idea of a common curriculum (an Integrated Marketing Communications program) to fulfill the educational needs of both groups. (SR)

Electronic Reserve--A Staff Development Opportunity.

ERIC Educational Resources Information Center

Smith, Robyn

1997-01-01

The Queensland University of Technology (QUT) Library's experience in developing an electronic reserve service is offered as a case study. Discussion includes the limited access service, technical components, academic community support, lending staff training, usage, copyright, and future scenarios and solutions. (AEF)

Successful School Downsizing.

ERIC Educational Resources Information Center

Raywid, Mary Anne

1997-01-01

Solid research evidence links smaller schools to fewer discipline problems, lower dropout rates, higher student participation levels, and steadier academic progress. Large buildings are no obstacle. Creating small schools requires top administrators to lend impetus and support, facilitate teacher volunteer groups, develop clear policies, adjust…

“Edifice Rex” Sulfide Recovery Project: Analysis of submarine hydrothermal, microbial habitat

NASA Astrophysics Data System (ADS)

Delaney, John R.; Kelley, Deborah S.; Mathez, Edmond A.; Yoerger, Dana R.; Baross, John; Schrenk, Matt O.; Tivey, Margaret K.; Kaye, Jonathan; Robigou, Veronique

Recent scientific developments place inquiries about submarine volcanic systems in a broad planetary context. Among these is the discovery that submarine eruptions are intimately linked with massive effusions of microbes and their products from below the sea floor [Holden et al., 1998]. This material includes microbes that only grow at temperatures tens of degrees higher than the temperatures of the vent fluids from which they were sampled. Such results lend support for the existence of a potentially extensive, but currently unexplored sub-sea floor microbial biosphere associated with active submarine volcanoes [Deming and Baross, 1993; Delaney et al., 1998; Summit and Baross, 1998].

Statistical studies in stellar rotation 2: A method of analyzing rotational coupling in double stars and an introduction to its applications

NASA Technical Reports Server (NTRS)

Bernacca, P. L.

1971-01-01

The correlation between the equatorial velocities of the components of double stars is studied from a statistical standpoint. A theory of rotational correlation is developed and discussed with regard to its applicability to existing observations. The theory is then applied to a sample of visual binaries which are the least studied for rotational coupling. Consideration of eclipsing systems and spectroscopic binaries is limited to show how the degrees of freedom in the spin parallelism problem can be reduced. The analysis lends support to the existence of synchronism in closely spaced binaries.

Intracavitary Therapeutics for Pleural Malignancies.

PubMed

Murthy, Vivek; Mangalick, Keshav; Sterman, Daniel H

2018-03-01

Pleural malignancies remain a serious therapeutic challenge, and are frequently refractory to standard treatment; however, they have the advantage of occurring in an enclosed cavity readily accessible for examination, biopsy, and serial sampling. Novel therapeutics can be administered via intracavitary delivery to maximize efficacy by targeting the site of involvement and potentially mitigating the adverse effects of systemic therapies. The easy accessibility of the pleural space lends itself well to repeated sampling and analysis to determine efficacy and toxicity of a given treatment paradigm. These factors support the rationale for delivery of novel therapeutics directly into the pleural space. Copyright © 2017 Elsevier Inc. All rights reserved.

12 CFR 34.62 - Real estate lending standards.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 12 Banks and Banking 1 2014-01-01 2014-01-01 false Real estate lending standards. 34.62 Section 34.62 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY REAL ESTATE LENDING AND APPRAISALS Real Estate Lending Standards § 34.62 Real estate lending standards. (a) Each national bank shall...

12 CFR 365.2 - Real estate lending standards.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 5 2012-01-01 2012-01-01 false Real estate lending standards. 365.2 Section... POLICY REAL ESTATE LENDING STANDARDS Real Estate Lending Standards § 365.2 Real estate lending standards... estate, or that are made for the purpose of financing permanent improvements to real estate. (b)(1) Real...

12 CFR 365.2 - Real estate lending standards.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 12 Banks and Banking 5 2014-01-01 2014-01-01 false Real estate lending standards. 365.2 Section... POLICY REAL ESTATE LENDING STANDARDS Real Estate Lending Standards § 365.2 Real estate lending standards... estate, or that are made for the purpose of financing permanent improvements to real estate. (b)(1) Real...

12 CFR 34.62 - Real estate lending standards.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 1 2011-01-01 2011-01-01 false Real estate lending standards. 34.62 Section 34.62 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY REAL ESTATE LENDING AND APPRAISALS Real Estate Lending Standards § 34.62 Real estate lending standards. (a) Each national bank shall...

12 CFR 365.2 - Real estate lending standards.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 4 2011-01-01 2011-01-01 false Real estate lending standards. 365.2 Section... POLICY REAL ESTATE LENDING STANDARDS Real Estate Lending Standards § 365.2 Real estate lending standards... estate, or that are made for the purpose of financing permanent improvements to real estate. (b)(1) Real...

12 CFR 34.62 - Real estate lending standards.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 1 2012-01-01 2012-01-01 false Real estate lending standards. 34.62 Section 34.62 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY REAL ESTATE LENDING AND APPRAISALS Real Estate Lending Standards § 34.62 Real estate lending standards. (a) Each national bank shall...

12 CFR 365.2 - Real estate lending standards.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 12 Banks and Banking 5 2013-01-01 2013-01-01 false Real estate lending standards. 365.2 Section... POLICY REAL ESTATE LENDING STANDARDS Real Estate Lending Standards § 365.2 Real estate lending standards... estate, or that are made for the purpose of financing permanent improvements to real estate. (b)(1) Real...

12 CFR 34.62 - Real estate lending standards.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 12 Banks and Banking 1 2013-01-01 2013-01-01 false Real estate lending standards. 34.62 Section 34.62 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY REAL ESTATE LENDING AND APPRAISALS Real Estate Lending Standards § 34.62 Real estate lending standards. (a) Each national bank shall...

12 CFR 614.4360 - Lending and leasing limit violations.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Lending and leasing limit violations. 614.4360... OPERATIONS Lending and Leasing Limits § 614.4360 Lending and leasing limit violations. (a) Each loan, except loans that are grandfathered under the provisions of § 614.4361, shall be in compliance with the lending...

12 CFR 34.62 - Real estate lending standards.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Real estate lending standards. 34.62 Section 34.62 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY REAL ESTATE LENDING AND APPRAISALS Real Estate Lending Standards § 34.62 Real estate lending standards. (a) Each national bank shall...

12 CFR 560.100 - Real estate lending standards; purpose and scope.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Real estate lending standards; purpose and... TREASURY LENDING AND INVESTMENT Lending and Investment Provisions Applicable to all Savings Associations § 560.100 Real estate lending standards; purpose and scope. This section, and § 560.101 of this subpart...

Student Engagement: A Principle-Based Concept Analysis.

PubMed

Bernard, Jean S

2015-08-04

A principle-based concept analysis of student engagement was used to examine the state of the science across disciplines. Four major perspectives of philosophy of science guided analysis and provided a framework for study of interrelationships and integration of conceptual components which then resulted in formulation of a theoretical definition. Findings revealed student engagement as a dynamic reiterative process marked by positive behavioral, cognitive, and affective elements exhibited in pursuit of deep learning. This process is influenced by a broader sociocultural environment bound by contextual preconditions of self-investment, motivation, and a valuing of learning. Outcomes of student engagement include satisfaction, sense of well-being, and personal development. Findings of this analysis prove relevant to nursing education as faculty transition from traditional teaching paradigms, incorporate learner-centered strategies, and adopt innovative pedagogical methodologies. It lends support for curricula reform, development of more accurate evaluative measures, and creation of meaningful teaching-learning environments within the discipline.

12 CFR 563e.22 - Lending test.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 6 2012-01-01 2012-01-01 false Lending test. 563e.22 Section 563e.22 Banks and... Assessing Performance § 563e.22 Lending test. (a) Scope of test. (1) The lending test evaluates a savings... section. The OTS will not consider these loans under any criterion of the lending test except the...

12 CFR 563e.22 - Lending test.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 5 2011-01-01 2011-01-01 false Lending test. 563e.22 Section 563e.22 Banks and... Assessing Performance § 563e.22 Lending test. (a) Scope of test. (1) The lending test evaluates a savings... section. The OTS will not consider these loans under any criterion of the lending test except the...

12 CFR 563e.22 - Lending test.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Lending test. 563e.22 Section 563e.22 Banks and... Assessing Performance § 563e.22 Lending test. (a) Scope of test. (1) The lending test evaluates a savings association's record of helping to meet the credit needs of its assessment area(s) through its lending...

12 CFR 345.22 - Lending test.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Lending test. 345.22 Section 345.22 Banks and... REINVESTMENT Standards for Assessing Performance § 345.22 Lending test. (a) Scope of test. (1) The lending test evaluates a bank's record of helping to meet the credit needs of its assessment area(s) through its lending...

Broiler chickens can benefit from machine learning: support vector machine analysis of observational epidemiological data

PubMed Central

Hepworth, Philip J.; Nefedov, Alexey V.; Muchnik, Ilya B.; Morgan, Kenton L.

2012-01-01

Machine-learning algorithms pervade our daily lives. In epidemiology, supervised machine learning has the potential for classification, diagnosis and risk factor identification. Here, we report the use of support vector machine learning to identify the features associated with hock burn on commercial broiler farms, using routinely collected farm management data. These data lend themselves to analysis using machine-learning techniques. Hock burn, dermatitis of the skin over the hock, is an important indicator of broiler health and welfare. Remarkably, this classifier can predict the occurrence of high hock burn prevalence with accuracy of 0.78 on unseen data, as measured by the area under the receiver operating characteristic curve. We also compare the results with those obtained by standard multi-variable logistic regression and suggest that this technique provides new insights into the data. This novel application of a machine-learning algorithm, embedded in poultry management systems could offer significant improvements in broiler health and welfare worldwide. PMID:22319115

Broiler chickens can benefit from machine learning: support vector machine analysis of observational epidemiological data.

PubMed

Hepworth, Philip J; Nefedov, Alexey V; Muchnik, Ilya B; Morgan, Kenton L

2012-08-07

Machine-learning algorithms pervade our daily lives. In epidemiology, supervised machine learning has the potential for classification, diagnosis and risk factor identification. Here, we report the use of support vector machine learning to identify the features associated with hock burn on commercial broiler farms, using routinely collected farm management data. These data lend themselves to analysis using machine-learning techniques. Hock burn, dermatitis of the skin over the hock, is an important indicator of broiler health and welfare. Remarkably, this classifier can predict the occurrence of high hock burn prevalence with accuracy of 0.78 on unseen data, as measured by the area under the receiver operating characteristic curve. We also compare the results with those obtained by standard multi-variable logistic regression and suggest that this technique provides new insights into the data. This novel application of a machine-learning algorithm, embedded in poultry management systems could offer significant improvements in broiler health and welfare worldwide.

12 CFR 160.100 - Real estate lending standards; purpose and scope.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 12 Banks and Banking 1 2013-01-01 2013-01-01 false Real estate lending standards; purpose and... LENDING AND INVESTMENT § 160.100 Real estate lending standards; purpose and scope. This section, and § 160... Improvement Act of 1991, 12 U.S.C. 1828(o), prescribe standards for real estate lending to be used by Federal...

12 CFR 160.100 - Real estate lending standards; purpose and scope.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 12 Banks and Banking 1 2014-01-01 2014-01-01 false Real estate lending standards; purpose and... LENDING AND INVESTMENT § 160.100 Real estate lending standards; purpose and scope. This section, and § 160... Improvement Act of 1991, 12 U.S.C. 1828(o), prescribe standards for real estate lending to be used by Federal...

12 CFR 160.100 - Real estate lending standards; purpose and scope.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 1 2012-01-01 2012-01-01 false Real estate lending standards; purpose and... LENDING AND INVESTMENT § 160.100 Real estate lending standards; purpose and scope. This section, and § 160... Improvement Act of 1991, 12 U.S.C. 1828(o), prescribe standards for real estate lending to be used by Federal...

12 CFR 614.4110 - Transfer of direct lending authority to Federal land bank associations and agricultural credit...

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Transfer of direct lending authority to Federal... Lending Relationship § 614.4110 Transfer of direct lending authority to Federal land bank associations and.... (c) An association to which such long-term lending authority is to be transferred shall have in place...

Primary structure of the hemoglobin alpha-chain of rose-ringed parakeet (Psittacula krameri).

PubMed

Islam, A; Beg, O U; Persson, B; Zaidi, Z H; Jörnvall, H

1988-10-01

The structure of the hemoglobin alpha-chain of Rose-ringed Parakeet was determined by sequence degradations of the intact subunit, the CNBr fragments, and peptides obtained by digestion with staphylococcal Glu-specific protease and trypsin. Using this analysis, the complete alpha-chain structure of 21 avian species is known, permitting comparisons of the protein structure and of avian relationships. The structure exhibits differences from previously established avian alpha-chains at a total of 61 positions, five of which have residues unique to those of the parakeet (Ser-12, Gly-65, Ser-67, Ala-121, and Leu-134). The analysis defines hemoglobin variation within an additional avian order (Psittaciformes), demonstrates distant patterns for evaluation of relationships within other avian orders, and lends support to taxonomic conclusions from molecular data.

Study Skills.

ERIC Educational Resources Information Center

Thomas, Anne

1993-01-01

Three developments lend support to the idea that schools must help teach study skills: (1) advances in cognitive psychology that suggest children are active learners; (2) society's concern for at-risk students; and (3) growing demands for improved student performance. There is evidence that systematic study skills instruction does improve academic…

77 FR 22625 - Intermediary Lending Pilot (ILP) Program

Federal Register 2010, 2011, 2012, 2013, 2014

2012-04-16

... SMALL BUSINESS ADMINISTRATION Intermediary Lending Pilot (ILP) Program AGENCY: U.S. Small Business... Administration (SBA) requests that eligible organizations submit applications to become Intermediary Lending... implement an Intermediary Lending Pilot (ILP) program. Under the ILP program, SBA makes loans to selected...

Iraq: Reconstruction Assistance

DTIC Science & Technology

2007-11-15

Development Group needs assessment of 14 sectors of the Iraqi government and economy — $36 billion — CRS-2 3 For the full text of the report online , see...including support for mortgage lending markets and establishment of private equity funds. The most successful example, the Polish Fund, made many...Department, 2207 Report to Congress, October 2007, Appendix II. statements of support, but no firm commitment, for varying levels of relief. By September 2004

Reassessment of hypnotic symptom removal by Freud and Bernheim.

PubMed

Ball, Thomas S

2006-10-01

As demonstrations of clinical efficacy, cases reported by Freud and Bernheim reveal an intrinsic advantage of hypnotic symptom removal over therapies requiring extended periods to achieve significant outcomes. They also lend support to Weitzenhoffer's survey of therapeutic results achieved during the classical (pre-1900) period.

Infected Peri-Pancreatic Necrosis Causing Gallbladder Necrosis by Direct Extension

PubMed Central

Assalia, Ahmad; Schmulevski, Pavel; Meislin, Vladimir; Hashmonai, Moshe

1993-01-01

Acute acalculous cholecystitis may develop in patients suffering from necrotizing pancreatitis. Conversely, acute pancreatitis may complicate acute gallbladder disease. We present a case that lends support to the existence of another possibility: gallbladder necrosis caused by direct extension of the necrotizing pancreatitic process. PMID:8260438

Presentation Order Effects in Product Taste Tests.

ERIC Educational Resources Information Center

Dean, Michael L.

1980-01-01

Presentation order in paired-comparison testing was varied to measure the impact of primacy v recency effects on consumer product evaluation. First position preference bias characterized the findings, lending support to the attention decrement hypothesis or a suggested palate desensitization effect on subsequent taste trial behavior. (Author)

77 FR 69738 - Truth in Lending (Regulation Z)

Federal Register 2010, 2011, 2012, 2013, 2014

2012-11-21

... Lending (Regulation Z) AGENCY: Bureau of Consumer Financial Protection. ACTION: Final rule; official... the official interpretations for Regulation Z (Truth in Lending). The Bureau is required to adjust... Regulations, at (202) 435-7700. SUPPLEMENTARY INFORMATION: I. Background The Truth in Lending Act (TILA; 15 U...

Power Spectrum of Long Eigenlevel Sequences in Quantum Chaotic Systems.

PubMed

Riser, Roman; Osipov, Vladimir Al; Kanzieper, Eugene

2017-05-19

We present a nonperturbative analysis of the power spectrum of energy level fluctuations in fully chaotic quantum structures. Focusing on systems with broken time-reversal symmetry, we employ a finite-N random matrix theory to derive an exact multidimensional integral representation of the power spectrum. The N→∞ limit of the exact solution furnishes the main result of this study-a universal, parameter-free prediction for the power spectrum expressed in terms of a fifth Painlevé transcendent. Extensive numerics lends further support to our theory which, as discussed at length, invalidates a traditional assumption that the power spectrum is merely determined by the spectral form factor of a quantum system.

76 FR 35723 - Truth in Lending

Federal Register 2010, 2011, 2012, 2013, 2014

2011-06-20

... FEDERAL RESERVE SYSTEM 12 CFR Part 226 [Regulation Z; Docket No. R-1422] Truth in Lending AGENCY... Regulation Z (Truth in Lending). The Board is required to adjust annually the dollar amount that triggers...'') only, contact (202) 263-4869. SUPPLEMENTARY INFORMATION: I. Background The Truth in Lending Act (TILA...

77 FR 76841 - Lending Limits

Federal Register 2010, 2011, 2012, 2013, 2014

2012-12-31

...-2012-0007] RIN 1557-AD59 Lending Limits AGENCY: Office of the Comptroller of the Currency, Treasury. ACTION: Final rule. SUMMARY: The Office of the Comptroller of the Currency (OCC) is amending its lending...), includes exceptions to the lending limits for certain loans made by savings associations. These HOLA...

7 CFR 1940.401 - Truth in lending.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 13 2010-01-01 2009-01-01 true Truth in lending. 1940.401 Section 1940.401...) PROGRAM REGULATIONS (CONTINUED) GENERAL Truth in Lending-Real Estate Settlement Procedures § 1940.401 Truth in lending. (a) General. This section provides instructions for compliance with the Truth in...

77 FR 16817 - Request for Comment on Payday Lending Hearing Transcript

Federal Register 2010, 2011, 2012, 2013, 2014

2012-03-22

... Lending Hearing Transcript AGENCY: Bureau of Consumer Financial Protection. ACTION: Notice; request for... hearing on payday lending. The Bureau invites the public to review the transcript and provide additional..., 2012 in Birmingham, Alabama. Payday lending products are typically marketed to bridge a cash flow...

Fostering intentional interdisciplinary leadership in developmental disabilities: the North Carolina LEND experience.

PubMed

Rosenberg, Angela; Margolis, Lewis H; Umble, Karl; Chewning, Linda

2015-02-01

This study describes the effects of interdisciplinary leadership training on a retrospective cohort (2001-2009) of the University of North Carolina MCH Leadership Education in Neurodevelopmental and Related Disabilities (UNC-CH LEND) program, including LEND graduates who were selected to participate in a focused Interdisciplinary Leadership Development Program (ILDP) in addition to their LEND training. Specifically, the study examined graduates' reports of the relationship between LEND training and their attitudes/beliefs about interdisciplinary practice, as well as their reported use of interdisciplinary skills in their post-fellowship practice settings. Using a post-test design, participants in the LEND and ILDP programs were contacted to complete an on-line survey. Using a Conceptual Model guided by EvaluLEAD, respondents were asked to rate the influence of the UNC-LEND training program on their attitudes/beliefs and skills using a 5-point Likert scale, as well as through open-ended descriptions. The 49 LEND respondents represented a 56% overall response rate from years 2001-2009. ILDP participants reported greater agreement with interdisciplinary attitudes/beliefs and more frequent use of interdisciplinary skills than did the non-participants. Graduates of LEND as well as ILDP reported the influence of training through a range of qualitative responses. Response examples highlight the influence of LEND training to promote outcomes at the individual, organizational and systems level. Findings from this study illustrate that MCHB funded LEND training has a strong influence on the future employment and interdisciplinary practices of graduates for the MCH workforce as well as services for individuals with developmental disabilities, their families and systems of care.

12 CFR 208.51 - Real estate lending standards.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 2 2011-01-01 2011-01-01 false Real estate lending standards. 208.51 Section... MEMBERSHIP OF STATE BANKING INSTITUTIONS IN THE FEDERAL RESERVE SYSTEM (REGULATION H) Real Estate Lending and Appraisal Standards § 208.51 Real estate lending standards. (a) Adoption of written policies. Each state...

12 CFR 208.51 - Real estate lending standards.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 12 Banks and Banking 2 2014-01-01 2014-01-01 false Real estate lending standards. 208.51 Section... MEMBERSHIP OF STATE BANKING INSTITUTIONS IN THE FEDERAL RESERVE SYSTEM (REGULATION H) Real Estate Lending and Appraisal Standards § 208.51 Real estate lending standards. (a) Adoption of written policies. Each state...

12 CFR 208.51 - Real estate lending standards.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 12 Banks and Banking 2 2013-01-01 2013-01-01 false Real estate lending standards. 208.51 Section... MEMBERSHIP OF STATE BANKING INSTITUTIONS IN THE FEDERAL RESERVE SYSTEM (REGULATION H) Real Estate Lending and Appraisal Standards § 208.51 Real estate lending standards. (a) Adoption of written policies. Each state...

12 CFR 208.51 - Real estate lending standards.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 2 2012-01-01 2012-01-01 false Real estate lending standards. 208.51 Section... MEMBERSHIP OF STATE BANKING INSTITUTIONS IN THE FEDERAL RESERVE SYSTEM (REGULATION H) Real Estate Lending and Appraisal Standards § 208.51 Real estate lending standards. (a) Adoption of written policies. Each state...

78 FR 69671 - Community Reinvestment Act; Interagency Questions and Answers Regarding Community Reinvestment...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-11-20

...: (1) To students or their families from a school at which the majority of students qualify for free or...). Further, strong performance in retail lending may compensate for weak performance in community development lending and, conversely, strong community development lending may compensate for weak retail lending...

12 CFR 31.2 - Insider lending restrictions and reporting requirements.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Insider lending restrictions and reporting... EXTENSIONS OF CREDIT TO INSIDERS AND TRANSACTIONS WITH AFFILIATES § 31.2 Insider lending restrictions and... insider lending standards and reporting requirements as they apply to national banks and their insiders. ...

12 CFR 7.4008 - Lending.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Lending. 7.4008 Section 7.4008 Banks and... § 7.4008 Lending. (a) Authority of national banks. A national bank may make, sell, purchase... authorized non-real estate lending powers are not applicable to national banks. (2) A national bank may make...

12 CFR 560.170 - Records for lending transactions.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Records for lending transactions. 560.170 Section 560.170 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY LENDING AND INVESTMENT Lending and Investment Provisions Applicable to all Savings Associations § 560.170 Records for...

12 CFR 208.51 - Real estate lending standards.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Real estate lending standards. 208.51 Section... MEMBERSHIP OF STATE BANKING INSTITUTIONS IN THE FEDERAL RESERVE SYSTEM (REGULATION H) Real Estate Lending and Appraisal Standards § 208.51 Real estate lending standards. (a) Adoption of written policies. Each state...

75 FR 80675 - Truth in Lending

Federal Register 2010, 2011, 2012, 2013, 2014

2010-12-23

... FEDERAL RESERVE SYSTEM 12 CFR Part 226 [Regulation Z; Docket No. R-1394] Truth in Lending AGENCY... information. The interim final rule amends Regulation Z, which implements the Truth in Lending Act, in order...- 1394), amending Regulation Z (Truth in Lending) to implement provisions of the Dodd-Frank Wall Street...

12 CFR 613.3100 - Domestic lending.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Domestic lending. 613.3100 Section 613.3100... Financing for Banks Operating Under Title III of the Farm Credit Act § 613.3100 Domestic lending. (a... of cooperatives. A bank for cooperatives or an agricultural credit bank may lend to a cooperative...

12 CFR 614.4100 - Policies governing lending through Federal land bank associations.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Policies governing lending through Federal land... SYSTEM LOAN POLICIES AND OPERATIONS Bank/Association Lending Relationship § 614.4100 Policies governing lending through Federal land bank associations. (a) Farm Credit Banks and agricultural credit banks may...

34 CFR 682.608 - Termination of a school's lending eligibility.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 34 Education 3 2010-07-01 2010-07-01 false Termination of a school's lending eligibility. 682.608..., Standards, and Payments for Participating Schools § 682.608 Termination of a school's lending eligibility... subsequent holder. (c) Exception based on hardship. The Secretary does not terminate a school's lending...

What the Computer Taught Me About My Students...or Is Binary Search "Natural"?

ERIC Educational Resources Information Center

Pasquino, Anne

1978-01-01

Several examples of student-written programs "teaching" a computer to guess systematically in finding a number between 0 and 10,000 are illustrated. These lend support to the contention that rather than being a "natural" application, using a binary search is a learned technique. (MN)

American Psychological Association: Annual Report, 2008

ERIC Educational Resources Information Center

American Psychologist, 2009

2009-01-01

This article presents the 2008 annual reports from the various directorates and offices of the American Psychological Association (APA). In 2008, APA continued to work on initiatives, programs, and products that lend value to the member's psychology career, support the future of their discipline, and serve the public. APA's goal is to strengthen…

An Appraisal of the Irlen Technique of Correcting Reading Disorders Using Tinted Overlays and Tinted Lenses.

ERIC Educational Resources Information Center

Solan, Harold A.

1990-01-01

The article reviews three studies (EC 600 064-066) evaluating the effectiveness of using Irlen tinted lenses or overlays with reading-disabled persons. It is concluded that carefully designed and controlled studies do not currently lend support to the Irlen hypothesis. (DB)

Marijuana Use among Students and Peers.

ERIC Educational Resources Information Center

Griffin, Brenda S.; Griffin, Charles T.

1978-01-01

A casual path model based on Sutherland's theory was developed and applied to student marijuana use as a specific delinquent act. Two types of differential association were suggested to explain the genesis of marijuana use for the individual. The data tended to lend support to the causal path model. (Author/LPG)

75 FR 54225 - Comment Request for the Financial Literacy and Education Commission on the Draft National...

Federal Register 2010, 2011, 2012, 2013, 2014

2010-09-03

... DEPARTMENT OF THE TREASURY Comment Request for the Financial Literacy and Education Commission on... Literacy and Education Commission (Commission) through passage of the Financial Literacy and Education... Treasury's Office of Financial Education to lend its expertise and provide primary support to the...

Neuroplasticity, Psychosocial Genomics, and the Biopsychosocial Paradigm in the 21st Century

ERIC Educational Resources Information Center

Garland, Eric L.; Howard, Matthew Owen

2009-01-01

The biopsychosocial perspective is a foundation of social work theory and practice. Recent research on neuroplasticity and psychosocial genomics lends compelling support to this perspective by elucidating mechanisms through which psychosocial forces shape neurobiology. Investigations of neuroplasticity demonstrate that the adult brain can continue…

Framing the Future: Revisiting the Place of Educational Expectations in Status Attainment

ERIC Educational Resources Information Center

Bozick, Robert; Alexander, Karl; Entwisle, Doris; Dauber, Susan; Kerr, Kerri

2010-01-01

This study revisits the Wisconsin model of status attainment from a life course developmental perspective. Fixed-effects regression analyses lend strong support to the Wisconsin framework's core proposition that academic performance and significant others' influence shape educational expectations. However, investigating the process of expectation…

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...

Workplace Discrimination and the Perception of Disability

ERIC Educational Resources Information Center

Draper, William R.

2012-01-01

Decisions by the EEOC in favor of claimants perceived to have disabilities disproportionately exceeded those in favor of claimants with documented disabilities. This finding lends support to the assertion that unconscious/implicit bias is persistent in the workplace. [The dissertation citations contained here are published with the permission of…

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

Ferrada, J.J.

This report compiles preliminary information that supports the premise that a repository is needed in Latin America and analyzes the nuclear situation (mainly in Argentina and Brazil) in terms of nuclear capabilities, inventories, and regional spent-fuel repositories. The report is based on several sources and summarizes (1) the nuclear capabilities in Latin America and establishes the framework for the need of a permanent repository, (2) the International Atomic Energy Agency (IAEA) approach for a regional spent-fuel repository and describes the support that international institutions are lending to this issue, (3) the current situation in Argentina in order to analyze themore » Argentinean willingness to find a location for a deep geological repository, and (4) the issues involved in selecting a location for the repository and identifies a potential location. This report then draws conclusions based on an analysis of this information. The focus of this report is mainly on spent fuel and does not elaborate on other radiological waste sources.« less

Testing For Measurement Invariance of Attachment Across Chinese and American Adolescent Samples.

PubMed

Ren, Ling; Zhao, Jihong Solomon; He, Ni Phil; Marshall, Ineke Haen; Zhang, Hongwei; Zhao, Ruohui; Jin, Cheng

2016-06-01

Adolescent attachment to formal and informal institutions has emerged as a major focus of criminological theories since the publication of Hirschi's work in 1969. This study attempts to examine the psychometric equivalence of the factorial structure of attachment measures across nations reflecting Western and Eastern cultures. Twelve manifest variables are used tapping the concepts of adolescent attachment to parents, school, and neighborhood. Confirmatory factor analysis is used to conduct invariance test across approximately 3,000 Chinese and U.S. adolescents. Results provide strong support for a three-factor model; the multigroup invariance tests reveal mixed results. While the family attachment measure appears invariant between the two samples, significant differences in the coefficients of the factor loadings are detected in the school attachment and neighborhood attachment measures. The results of regression analyses lend support to the predictive validity of three types of attachment. Finally, the limitations of the study are discussed. © The Author(s) 2015.

Recommending teams promotes prosocial lending in online microfinance

PubMed Central

Ai, Wei; Chen, Roy; Mei, Qiaozhu; Phillips, Webb

2016-01-01

This paper reports the results of a large-scale field experiment designed to test the hypothesis that group membership can increase participation and prosocial lending for an online crowdlending community, Kiva. The experiment uses variations on a simple email manipulation to encourage Kiva members to join a lending team, testing which types of team recommendation emails are most likely to get members to join teams as well as the subsequent impact on lending. We find that emails do increase the likelihood that a lender joins a team, and that joining a team increases lending in a short window (1 wk) following our intervention. The impact on lending is large relative to median lender lifetime loans. We also find that lenders are more likely to join teams recommended based on location similarity rather than team status. Our results suggest team recommendation can be an effective behavioral mechanism to increase prosocial lending. PMID:27974610

12 CFR 228.22 - Lending test.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 3 2011-01-01 2011-01-01 false Lending test. 228.22 Section 228.22 Banks and... REINVESTMENT (REGULATION BB) Standards for Assessing Performance § 228.22 Lending test. (a) Scope of test. (1) The lending test evaluates a bank's record of helping to meet the credit needs of its assessment area...

12 CFR 25.22 - Lending test.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 1 2012-01-01 2012-01-01 false Lending test. 25.22 Section 25.22 Banks and... DEPOSIT PRODUCTION REGULATIONS Regulations Standards for Assessing Performance § 25.22 Lending test. (a) Scope of test. (1) The lending test evaluates a bank's record of helping to meet the credit needs of its...

12 CFR 228.22 - Lending test.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Lending test. 228.22 Section 228.22 Banks and... REINVESTMENT (REGULATION BB) Standards for Assessing Performance § 228.22 Lending test. (a) Scope of test. (1) The lending test evaluates a bank's record of helping to meet the credit needs of its assessment area...

12 CFR 228.22 - Lending test.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 12 Banks and Banking 3 2014-01-01 2014-01-01 false Lending test. 228.22 Section 228.22 Banks and...) COMMUNITY REINVESTMENT (REGULATION BB) Standards for Assessing Performance § 228.22 Lending test. (a) Scope of test. (1) The lending test evaluates a bank's record of helping to meet the credit needs of its...

12 CFR 228.22 - Lending test.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 3 2012-01-01 2012-01-01 false Lending test. 228.22 Section 228.22 Banks and... REINVESTMENT (REGULATION BB) Standards for Assessing Performance § 228.22 Lending test. (a) Scope of test. (1) The lending test evaluates a bank's record of helping to meet the credit needs of its assessment area...

12 CFR 390.264 - Real estate lending standards; purpose and scope.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 12 Banks and Banking 5 2014-01-01 2014-01-01 false Real estate lending standards; purpose and... Investment § 390.264 Real estate lending standards; purpose and scope. This section, and § 390.265, issued... for real estate lending to be used by State savings associations and all their includable subsidiaries...

12 CFR 390.264 - Real estate lending standards; purpose and scope.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 12 Banks and Banking 5 2013-01-01 2013-01-01 false Real estate lending standards; purpose and... Investment § 390.264 Real estate lending standards; purpose and scope. This section, and § 390.265, issued... for real estate lending to be used by State savings associations and all their includable subsidiaries...

12 CFR 390.264 - Real estate lending standards; purpose and scope.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 5 2012-01-01 2012-01-01 false Real estate lending standards; purpose and... Investment § 390.264 Real estate lending standards; purpose and scope. This section, and § 390.265, issued... for real estate lending to be used by State savings associations and all their includable subsidiaries...

36 CFR 1284.30 - Does NARA lend documents to other institutions for exhibit purposes?

Code of Federal Regulations, 2010 CFR

2010-07-01

... 36 Parks, Forests, and Public Property 3 2010-07-01 2010-07-01 false Does NARA lend documents to... NATIONAL ARCHIVES AND RECORDS ADMINISTRATION NARA FACILITIES EXHIBITS § 1284.30 Does NARA lend documents to other institutions for exhibit purposes? Yes, NARA considers lending documents that are in appropriate...

12 CFR 23.6 - Application of lending limits; restrictions on transactions with affiliates.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Application of lending limits; restrictions on... THE TREASURY LEASING General Provisions § 23.6 Application of lending limits; restrictions on transactions with affiliates. All lease entered into pursuant to this part is subject to the lending limits...

12 CFR 952.4 - Targeted Community Lending Plan

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Targeted Community Lending Plan 952.4 Section... SHEET ITEMS COMMUNITY INVESTMENT CASH ADVANCE PROGRAMS § 952.4 Targeted Community Lending Plan Each Bank shall develop and adopt an annual Targeted Community Lending Plan pursuant to § 944.6 of this chapter...

12 CFR 25.22 - Lending test.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Lending test. 25.22 Section 25.22 Banks and... DEPOSIT PRODUCTION REGULATIONS Regulations Standards for Assessing Performance § 25.22 Lending test. (a) Scope of test. (1) The lending test evaluates a bank's record of helping to meet the credit needs of its...

12 CFR 220.10 - Borrowing and lending securities.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Borrowing and lending securities. 220.10... RESERVE SYSTEM CREDIT BY BROKERS AND DEALERS (REGULATION T) § 220.10 Borrowing and lending securities. (a) Without regard to the other provisions of this part, a creditor may borrow or lend securities for the...

12 CFR 303.248 - Truth in Lending Act-Relief from reimbursement.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Truth in Lending Act-Relief from reimbursement... PRACTICE FILING PROCEDURES Other Filings § 303.248 Truth in Lending Act—Relief from reimbursement. (a) Scope. This section applies to requests for relief from reimbursement pursuant to the Truth in Lending...

78 FR 32547 - Loan Originator Compensation Requirements Under the Truth in Lending Act (Regulation Z...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-05-31

... Loan Originator Compensation Requirements Under the Truth in Lending Act (Regulation Z); Prohibition on... Lending Act (Regulation Z) Final Rule, issued on January 20, 2013, and published in the Federal Register... Originator Compensation Requirements Under the Truth in Lending Act (Regulation Z) (Final Rule).\\2\\ The Final...

12 CFR 32.4 - Calculation of lending limits.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Calculation of lending limits. 32.4 Section 32.4 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY LENDING LIMITS § 32.4 Calculation of lending limits. (a) Calculation date. For purposes of determining compliance with 12 U.S.C. 84...

Correlates of lending needles/syringes among HIV-seropositive injection drug users.

PubMed

Metsch, Lisa R; Pereyra, Margaret; Purcell, David W; Latkin, Carl A; Malow, Robert; Gómez, Cynthia A; Latka, Mary H

2007-11-01

Among HIV-positive injection drug users (IDUs), we examined the correlates of lending needles/syringes with HIV-negative and unknown status injection partners. HIV-positive IDUs (N=738) from 4 cities in the United States who reported injection drug use with other IDUs in the past 3 months participated in an audio computer-assisted self-administered interview. Eighteen percent of study participants self-reported having lent their needles to HIV-negative or unknown status injection partners. Multivariate analyses showed that 6 variables were significantly associated with this high-risk injecting practice. Older IDUs, high school graduates, and those reporting more supportive peer norms for safer drug use were less likely to lend needles/syringes. Admission to a hospital for drug treatment in the past 6 months, having injected with >1 person in the past 3 months, and having more psychiatric symptoms were all associated with more risk. These findings underscore the need for a continued prevention focus on HIV-positive IDUs that recognizes the combination of drug use, mental health factors, and social factors that might affect this high-risk injecting practice, which could be associated with HIV and hepatitis C transmission.

The Impact of Demographic Characteristics on Awareness and Usage of Support Groups.

PubMed

Coleman, Linda Jane; Shah, Nehal; Jain, Sanjay

2015-01-01

There are support groups established for one's emotional and/or physical health; as a result, marketing has appeared in regards to the needs, benefits, and hesitations regarding these groups. This study addresses several types of individuals and situations that lend themselves to using support groups. The authors conducted a study designed to examine demographic characteristics as they relate to a person's decision to go to support groups for health conditions. Looking at the demographics of users and the types of support groups, the authors discuss diverse opportunities for support groups and their organizations to promote communication, improve marketing strategies, and create influential users.

The Impact of Federal Preemption of State Antipredatory Lending Laws on the Foreclosure Crisis

ERIC Educational Resources Information Center

Ding, Lei; Quercia, Roberto G.; Reid, Carolina K.; White, Alan M.

2012-01-01

State antipredatory lending laws (APLs) are designed to protect borrowers against predatory lending that can increase the risk of default and deplete the home equity held by borrowers. Federal regulators instituted preemption that limited the scope and reach of state antipredatory lending regulations for certain lenders. Based on the variation in…

12 CFR 560.100 - Real estate lending standards; purpose and scope.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 12 Banks and Banking 6 2013-01-01 2012-01-01 true Real estate lending standards; purpose and scope... Real estate lending standards; purpose and scope. This section, and § 560.101 of this subpart, issued.... 1828(o), prescribe standards for real estate lending to be used by savings associations and all their...

12 CFR 560.100 - Real estate lending standards; purpose and scope.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 6 2012-01-01 2012-01-01 false Real estate lending standards; purpose and... § 560.100 Real estate lending standards; purpose and scope. This section, and § 560.101 of this subpart....S.C. 1828(o), prescribe standards for real estate lending to be used by savings associations and all...

12 CFR 560.100 - Real estate lending standards; purpose and scope.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 12 Banks and Banking 6 2014-01-01 2012-01-01 true Real estate lending standards; purpose and scope... Real estate lending standards; purpose and scope. This section, and § 560.101 of this subpart, issued.... 1828(o), prescribe standards for real estate lending to be used by savings associations and all their...

12 CFR 560.100 - Real estate lending standards; purpose and scope.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 5 2011-01-01 2011-01-01 false Real estate lending standards; purpose and... § 560.100 Real estate lending standards; purpose and scope. This section, and § 560.101 of this subpart....S.C. 1828(o), prescribe standards for real estate lending to be used by savings associations and all...

77 FR 7558 - Withdrawal of Proposed Rule on Approval of Farm Credit System Lending Institutions in Federal...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-02-13

...-AI91 Withdrawal of Proposed Rule on Approval of Farm Credit System Lending Institutions in Federal... withdraws HUD's August 2011 rule that proposed to amend HUD's regulations to enable the direct lending... the direct lending institutions of the Farm Credit System to seek approval to participate in the FHA...

77 FR 17410 - Bottom Mount Combination Refrigerator-Freezers From the Republic of Korea: Final Affirmative...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-03-26

..., 2011, the Department issued its Post-Preliminary Analysis of Cross-ownership and its Post- Preliminary Analysis of New Subsidy Allegations. On that date, the Department also issued its Post-Preliminary Analysis... Post-Preliminary Analysis: GOK Preferential Lending Under the Daewoo Workout, and the GOK, LGE, SEC...

Revisiting the Psychology of Intelligence Analysis: From Rational Actors to Adaptive Thinkers

ERIC Educational Resources Information Center

Puvathingal, Bess J.; Hantula, Donald A.

2012-01-01

Intelligence analysis is a decision-making process rife with ambiguous, conflicting, irrelevant, important, and excessive information. The U.S. Intelligence Community is primed for psychology to lend its voice to the "analytic transformation" movement aimed at improving the quality of intelligence analysis. Traditional judgment and decision making…

12 CFR 550.370 - May I sell assets or lend money between fiduciary accounts?

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 6 2012-01-01 2012-01-01 false May I sell assets or lend money between... Dealing § 550.370 May I sell assets or lend money between fiduciary accounts? You may sell assets or lend money between fiduciary accounts, if the transaction is fair to both accounts and is not prohibited by...

Embedding the Teaching of Academic Writing into Anthropology Lectures

ERIC Educational Resources Information Center

Mostert, Linda Ann; Townsend, Rodwell

2018-01-01

This paper lends support to the argument that students require a variety of teaching strategies to help them improve their academic writing. The study described here took place in 2014 in the context of embedding the teaching of academic writing into anthropology modules. The strategies implemented were microthemes, peer feedback, annotated…

Emotions in Prospective Secondary Teachers When Teaching Science Content, Distinguishing by Gender

ERIC Educational Resources Information Center

Borrachero, Ana Belén; Brígido, María; Mellado, Lucía; Costillo, Emilio; Mellado, Vicente

2014-01-01

Background: Until recently, the affective components of education had long been undervalued. Today, one finds ever more studies on cognitive and affective interrelationships that are lending support to the idea that affect and cognition are best understood when viewed as independent and complementary mental functions. Purpose: The present work…

78 FR 46247 - World Hepatitis Day, 2013

Federal Register 2010, 2011, 2012, 2013, 2014

2013-07-31

... Hepatitis Day, 2013 By the President of the United States of America A Proclamation Each year, we mark World Hepatitis Day to bring attention to a disease that afflicts one in twelve people worldwide. Viral hepatitis... about strategies for staying healthy. On World Hepatitis Day, let each of us lend our support to those...

Creative Activity, Personality, Mental Illness, and Short-Term Mating Success

ERIC Educational Resources Information Center

Beaussart, Melanie L.; Kaufman, Scott Barry; Kaufman, James C.

2012-01-01

It has been argued that creativity evolved, at least in part, through sexual selection to attract mates. Recent research lends support to this view and has also demonstrated a link between certain dimensions of schizotypy, creativity, and short-term mating. The current study delves deeper into these relationships by focusing on engagement in…

Expanding the biological periodic table.

PubMed

Seravalli, Javier; Ragsdale, Stephen W

2010-08-27

Metal ions play an indispensable role in biology, enabling enzymes to perform their functions and lending support to the structures of numerous macromolecules. Despite their prevalence and importance, the metalloproteome is still relatively unexplored. Cvetkovic et al. (2010) now describe an approach to identify metalloproteins on a genome-wide scale. Copyright (c) 2010 Elsevier Ltd. All rights reserved.

Learning-Related Vision Problems: How Visual Processing Affects Reading Efficiency

ERIC Educational Resources Information Center

Solan, Harold A.

2004-01-01

Research during the past decade lends support to the notion that visual as well as phonological deficits are significantly correlated with reading and learning disorders. However, from the variety of visual anomalies discussed, it soon becomes evident that vision, itself, is not a unitary disorder. In this review, the multifaceted nature of…

A Cognitive Approach to Threshold Concepts

ERIC Educational Resources Information Center

Walker, Guy

2013-01-01

This paper asks a fundamental question: what is happening inside the mind of the undergraduate during teaching and learning experiences, and how should curricula be designed to support it? A number of concepts lend themselves to providing an answer, principle among which is the relatively recent idea of Threshold Concepts. In this paper we attempt…

Access Services Are Human Services: Collaborating to Provide Textbook Access to Students

ERIC Educational Resources Information Center

McElroy, Kelly; Moore, Dan; Hilterbrand, Lori; Hindes, Nicole

2017-01-01

Despite the clear negative impact of high textbook costs on students, limits--including space, funding, and policies--prevent many academic libraries from fully supporting textbook collections. Partnering with other campus units on textbook lending requires creative thinking but can provide students access to other services in addition to the…

Opportunity Theory and Agricultural Crime Victimization

ERIC Educational Resources Information Center

Mears, Daniel P.; Scott, Michelle L.; Bhati, Avinash S.

2007-01-01

A growing body of research lends support to opportunity theory and its variants, but has yet to focus systematically on a number of specific offenses and contexts. Typically, the more crimes and contexts to which a theory applies, the broader its scope and range, respectively, and thus generalizability. In this paper, we focus on agricultural…

Promoting Problem-Based Learning in Retailing and Services Marketing Course Curricula with Reality Television

ERIC Educational Resources Information Center

Rosenbaum, Mark S.; Otalora, Mauricio Losada; Ramírez, Germán Contreras

2015-01-01

This research provides business educators who teach retailing and services courses with an innovative way to encourage students to engage in problem-based learning solving by incorporating reality television into their curricula. The authors explore the reality television genre from several theoretical perspectives to lend support to the…

Revisiting the Occupational Aspirations and Destinations of Anglo-Australian and Chinese-Australian High School Students

ERIC Educational Resources Information Center

Malik, Ranbir Singh

2015-01-01

Evidence from Australia lends support to the "Asian high achieving syndrome" in Chinese-Australian students and "self-deprivation syndrome" in Anglo-Australian students. Applying ethnographic case studies approach for doctoral thesis the author collected data on a longitudinal basis from homes and school of these students. All…

Bank Size and Small- and Medium-sized Enterprise (SME) Lending: Evidence from China.

PubMed

Shen, Yan; Shen, Minggao; Xu, Zhong; Bai, Ying

2009-04-01

Using panel data collected in 2005, we evaluate how bank size, discretion over credit, incentive schemes, competition, and the institutional environment affect lending to small- and medium-sized enterprises in China. We deal with the endogeneity problem using instrumental variables, and a reduced-form approach is also applied to allow for weak instruments in estimation. We find that total bank asset is an insignificant factor for banks' decision on small- and medium-enterprise (SME) lending, but more local lending authority, more competition, carefully designed incentive schemes, and stronger law enforcement encourage commercial banks to lend to SMEs.

Partnering with libraries to promote walking among community-dwelling adults: a Kingston gets active pilot pedometer-lending project.

PubMed

Ryder, Holly H; Faloon, Kathryn J; Lévesque, Lucie; McDonald, Deanna

2009-10-01

Most adults do not walk enough to obtain health benefits. Pedometers have been successfully utilized to motivate and increase walking. Given that libraries are a place where community members seek health resources, they are a logical setting for increasing community accessibility to pedometers. The purpose was to examine the feasibility of lending pedometers to library patrons to increase walking. In five Canadian public libraries, 90 pedometers were made available for 6 months. A total of 41 library patrons (33 women, 8 men, age range 18 to 65 or older) completed a survey about their walking patterns and pedometer use. More than 330 loans were made. Chisquare analysis found significant associations between walking and motivation to walk more (p < .05), walking and goal setting (p < .05), and motivation to walk more and setting a walking goal (p < .001). Results provide preliminary evidence that lending pedometers through local libraries is an effective, low-cost approach to enhance walking in community members.

Prediction and Observation of Electron Instabilities and Phase Space Holes Concentrated in the Lunar Plasma Wake

NASA Astrophysics Data System (ADS)

Hutchinson, Ian H.; Malaspina, David M.

2018-05-01

Recent theory and numerical simulation predicts that the wake of the solar wind flow past the Moon should be the site of electrostatic instabilities that give rise to electron holes. These play an important role in the eventual merging of the wake with the background solar wind. Analysis of measurements from the ARTEMIS satellites, orbiting the Moon at distances from 1.2 to 11 RM, detects holes highly concentrated in the wake, in agreement with prediction. The theory also predicts that the hole flux density observed should be hollow, peaking away from the wake axis. Observation statistics qualitatively confirm this hollowness, lending extra supporting evidence for the identification of their generation mechanism.

Design and Analysis of Modules for Segmented X-Ray Optics

NASA Technical Reports Server (NTRS)

McClelland, Ryan S.; BIskach, Michael P.; Chan, Kai-Wing; Saha, Timo T; Zhang, William W.

2012-01-01

Future X-ray astronomy missions demand thin, light, and closely packed optics which lend themselves to segmentation of the annular mirrors and, in turn, a modular approach to the mirror design. The modular approach to X-ray Flight Mirror Assembly (FMA) design allows excellent scalability of the mirror technology to support a variety of mission sizes and science objectives. This paper describes FMA designs using slumped glass mirror segments for several X-ray astrophysics missions studied by NASA and explores the driving requirements and subsequent verification tests necessary to qualify a slumped glass mirror module for space-flight. A rigorous testing program is outlined allowing Technical Development Modules to reach technical readiness for mission implementation while reducing mission cost and schedule risk.

Stock Market Expectations of Dutch Households

PubMed Central

Hurd, Michael; van Rooij, Maarten; Winter, Joachim

2013-01-01

Despite its importance for the analysis of life-cycle behavior and, in particular, retirement planning, stock ownership by private households is poorly understood. Among other approaches to investigate this puzzle, recent research has started to elicit private households’ expectations of stock market returns. This paper reports findings from a study that collected data over a two-year period both on households’ stock market expectations (subjective probabilities of gains or losses) and on whether they own stocks. We document substantial heterogeneity in financial market expectations. Expectations are correlated with stock ownership. Over the two years of our data, stock market prices increased, and expectations of future stock market price changes also increased, lending support to the view that expectations are influenced by recent stock gains or losses. PMID:23997423

An empirical study of statistical properties of variance partition coefficients for multi-level logistic regression models

USGS Publications Warehouse

Li, Ji; Gray, B.R.; Bates, D.M.

2008-01-01

Partitioning the variance of a response by design levels is challenging for binomial and other discrete outcomes. Goldstein (2003) proposed four definitions for variance partitioning coefficients (VPC) under a two-level logistic regression model. In this study, we explicitly derived formulae for multi-level logistic regression model and subsequently studied the distributional properties of the calculated VPCs. Using simulations and a vegetation dataset, we demonstrated associations between different VPC definitions, the importance of methods for estimating VPCs (by comparing VPC obtained using Laplace and penalized quasilikehood methods), and bivariate dependence between VPCs calculated at different levels. Such an empirical study lends an immediate support to wider applications of VPC in scientific data analysis.

76 FR 60600 - Proposed Collection; Comment Request for Supplemental Quarterly Report (Small Business Lending...

Federal Register 2010, 2011, 2012, 2013, 2014

2011-09-29

... should be directed to Manager (Communications, Research and External Affairs), Small Business Lending... (Small Business Lending Fund, SBLF) AGENCY: Office of Domestic Finance, Treasury. [[Page 60601

A Componential Analysis of Visual Attention in Children With ADHD.

PubMed

McAvinue, Laura P; Vangkilde, Signe; Johnson, Katherine A; Habekost, Thomas; Kyllingsbæk, Søren; Bundesen, Claus; Robertson, Ian H

2015-10-01

Inattentive behaviour is a defining characteristic of ADHD. Researchers have wondered about the nature of the attentional deficit underlying these symptoms. The primary purpose of the current study was to examine this attentional deficit using a novel paradigm based upon the Theory of Visual Attention (TVA). The TVA paradigm enabled a componential analysis of visual attention through the use of a mathematical model to estimate parameters relating to attentional selectivity and capacity. Children's ability to sustain attention was also assessed using the Sustained Attention to Response Task. The sample included a comparison between 25 children with ADHD and 25 control children aged 9-13. Children with ADHD had significantly impaired sustained attention and visual processing speed but intact attentional selectivity, perceptual threshold and visual short-term memory capacity. The results of this study lend support to the notion of differential impairment of attentional functions in children with ADHD. © 2012 SAGE Publications.

Self-transcendence: conceptualization and measurement.

PubMed

Levenson, Michael R; Jennings, Patricia A; Aldwin, Carolyn M; Shiraishi, Ray W

2005-01-01

Self-transcendence has been hypothesized to be a critical component of wisdom (Curnow, 1999) and adaptation in later life (Tornstam, 1994). It reflects a decreasing reliance on externals for definition of the self, increasing interiority and spirituality, and a greater sense of connectedness with past and future generations. The Adult Self-Transcendence Inventory was administered to 351 individuals along with the NEO-FFI Personality Scale (McCrae & Costa, 1989). A principal axis factor analysis identified two factors: self-transcendence and alienation. The relationships between self-transcendence and neuroticism, openness to experience, extraversion, and agreeableness were significant, although modest, suggesting that self-transcendence cannot be accounted for in terms of positive personality traits alone. As expected, a multiple regression analysis indicated that self-transcendence was negatively related to neuroticism and positively related to meditation practice. The present study appears to lend support to the construct of self-transcendence.

The dynamic spillover of satisfaction between work and marriage: the role of time and mood.

PubMed

Heller, Daniel; Watson, David

2005-11-01

Previous research has indicated important linkages between work and family domains and roles. However, the nature of the dynamic spillover between job and marital satisfaction remains poorly understood. The current study tests both the concurrent and lagged associations between job and marital satisfaction at a within-individual level of analysis using a diary study of 76 fully employed, married adults. The authors further examine the mediating role of mood in this spillover process. Consistent with their hypotheses, findings indicate both a concurrent and a lagged (job to marital and marital to job) job satisfaction-marital satisfaction association at the within-subject level of analysis and lend some support for the mediating role of mood (most notably positive affect) in these associations. The authors hope these findings stimulate new research that uses more complex designs and comprehensive theoretical models to investigate work-family links. ((c) 2005 APA, all rights reserved).

On the breakup of tectonic plates by polar wandering

NASA Technical Reports Server (NTRS)

Liu, H. S.

1973-01-01

The observed boundary system of the major tectonic plates on the surface of the earth lends fresh support to the hypothesis of polar wandering. A dynamic model of the outer shell of the earth under the influence of polar shift is developed. The analysis falls into two parts: (1) deriving equations for stresses caused by polar shifting; and (2) deducing the pattern according to which the fracture of the shell can be expected. For stress analysis, the theory of plates and shells is the dominant feature of this model. In order to determine the fracture pattern, the existence of a mathematical theorem of plasticity is recalled: it says that the plastic flow begins to occur when a function in terms of the differences of the three principal stresses surpasses a certain critical value. By introducing the figures for the geophysical constants, this model generates stresses which could produce an initial break in the lithosphere.

Bank Size and Small- and Medium-sized Enterprise (SME) Lending: Evidence from China

PubMed Central

SHEN, YAN; SHEN, MINGGAO; XU, ZHONG; BAI, YING

2014-01-01

Summary Using panel data collected in 2005, we evaluate how bank size, discretion over credit, incentive schemes, competition, and the institutional environment affect lending to small- and medium-sized enterprises in China. We deal with the endogeneity problem using instrumental variables, and a reduced-form approach is also applied to allow for weak instruments in estimation. We find that total bank asset is an insignificant factor for banks’ decision on small- and medium-enterprise (SME) lending, but more local lending authority, more competition, carefully designed incentive schemes, and stronger law enforcement encourage commercial banks to lend to SMEs. PMID:26052179

Putting the Cart before the Horse: The Role of a Socio-Moral Atmosphere in an Inquiry-Based Curriculum

ERIC Educational Resources Information Center

Geiken, Rosemary; Van Meeteren, Beth Dykstra; Kato, Tsuguhiko

2009-01-01

Research lends support to inquiry-based curriculum demonstrating how social interaction, such as discussion and presentation, positively affects children's learning. As a result, teachers spend an inordinate amount of time and effort in planning investigations to develop skills in inquiry. However, many of them overlook the necessary foundation…

A Student-Led Feedback Protocol on Writing Assignments in a History of Mathematics Course

ERIC Educational Resources Information Center

White, Diana

2014-01-01

History of math courses are commonly offered in mathematics departments. Such courses naturally lend themselves to writing assignments, and a growing body of research supports writing as a means to learn mathematics. This article details two such assignments, providing an overview of the course in which they are situated, and a student-led…

The anthropology of dementia: a narrative perspective.

PubMed

Randall, William L

2009-03-01

This article draws on recent thinking in the field of narrative gerontology to lend support to Mahnaz Hashmi's "anthropological perspective" on dementia. From a narrative perspective, the relational component of human life--and thus of dementia--is underscored. Moreover, when the narrative dimensions of memory are considered, the line between "normal" and "pathological" is revealed as finer than commonly assumed.

Teaching Aquatic Science as Inquiry through Professional Development: Teacher Characteristics and Student Outcomes

ERIC Educational Resources Information Center

Duncan Seraphin, Kanesa; Harrison, George M.; Philippoff, Joanna; Brandon, Paul R.; Nguyen, Thanh Truc T.; Lawton, Brian E.; Vallin, Lisa M.

2017-01-01

We present an inquiry-based, aquatic science professional development (PD) for upper-elementary, middle, and high school teachers and examine changes in student outcomes in light of participating teachers' characteristics and the grade band of the students. Our study lends support to the assertion that inquiry- and content-focused PD, paired with…

Observational evidence of the complementary relationship in regional evaporation lends strong support for Bouchet's hypothesis

Treesearch

Jorge A. Ramirez; Michael T. Hobbins; Thomas C. Brown

2005-01-01

Using independent observations of actual and potential evapotranspiration at a wide range of spatial scales, we provide direct observational evidence of the complementary relationship in regional evapotranspiration hypothesized by Bouchet in 1963. Bouchet proposed that, for large homogeneous surfaces with minimal advection of heat and moisture, potential and actual...

Bio-inspired CO2 conversion by iron sulfide catalysts under sustainable conditions.

PubMed

Roldan, A; Hollingsworth, N; Roffey, A; Islam, H-U; Goodall, J B M; Catlow, C R A; Darr, J A; Bras, W; Sankar, G; Holt, K B; Hogarth, G; de Leeuw, N H

2015-05-01

The mineral greigite presents similar surface structures to the active sites found in many modern-day enzymes. We show that particles of greigite can reduce CO2 under ambient conditions into chemicals such as methanol, formic, acetic and pyruvic acid. Our results also lend support to the Origin of Life theory on alkaline hydrothermal vents.

Cost-effectiveness of two versus three or more doses of intermittent preventive treatment for malaria during pregnancy in sub-Saharan Africa: a modelling study of meta-analysis and cost data.

PubMed

Fernandes, Silke; Sicuri, Elisa; Kayentao, Kassoum; van Eijk, Anne Maria; Hill, Jenny; Webster, Jayne; Were, Vincent; Akazili, James; Madanitsa, Mwayi; ter Kuile, Feiko O; Hanson, Kara

2015-03-01

In 2012, WHO changed its recommendation for intermittent preventive treatment of malaria during pregnancy (IPTp) from two doses to monthly doses of sulfadoxine-pyrimethamine during the second and third trimesters, but noted the importance of a cost-effectiveness analysis to lend support to the decision of policy makers. We therefore estimated the incremental cost-effectiveness of IPTp with three or more (IPTp-SP3+) versus two doses of sulfadoxine-pyrimethamine (IPTp-SP2). For this analysis, we used data from a 2013 meta-analysis of seven studies in sub-Saharan Africa. We developed a decision tree model with a lifetime horizon. We analysed the base case from a societal perspective. We did deterministic and probabilistic sensitivity analyses with appropriate parameter ranges and distributions for settings with low, moderate, and high background risk of low birthweight, and did a separate analysis for HIV-negative women. Parameters in the model were obtained for all countries included in the original meta-analysis. We did simulations in hypothetical cohorts of 1000 pregnant women receiving either IPTp-SP3+ or IPTp-SP2. We calculated disability-adjusted life-years (DALYs) for low birthweight, severe to moderate anaemia, and clinical malaria. We calculated cost estimates from data obtained in observational studies, exit surveys, and from public procurement databases. We give financial and economic costs in constant 2012 US$. The main outcome measure was the incremental cost per DALY averted. The delivery of IPTp-SP3+ to 1000 pregnant women averted 113·4 DALYs at an incremental cost of $825·67 producing an incremental cost-effectiveness ratio (ICER) of $7·28 per DALY averted. The results remained robust in the deterministic sensitivity analysis. In the probabilistic sensitivity analyses, the ICER was $7·7 per DALY averted for moderate risk of low birthweight, $19·4 per DALY averted for low risk, and $4·0 per DALY averted for high risk. The ICER for HIV-negative women was $6·2 per DALY averted. Our findings lend strong support to the WHO guidelines that recommend a monthly dose of IPTp-SP from the second trimester onwards. Malaria in Pregnancy Consortium and the Bill & Melinda Gates Foundation. Copyright © 2015 Fernandes et al. Open Access article distributed under the terms of CC BY-NC-SA. Published by .. All rights reserved.

Estimating Background and Lunar Contribution to Neutrons Detected by the Lunar Reconnaissance Orbiter (LRO) Lunar Exploration Neutron Detector (LEND) Instrument

NASA Astrophysics Data System (ADS)

Livengood, T. A.; Mitrofanov, I. G.; Chin, G.; Boynton, W. V.; Evans, L. G.; Litvak, M. L.; McClanahan, T. P.; Sagdeev, R.; Sanin, A. B.; Starr, R. D.; Su, J. J.

2014-12-01

The fraction of hydrogen-bearing species embedded in planetary regolith can be determined from the ratio between measured epithermal neutron leakage flux and the flux measured from similar dry regolith. The Lunar Reconnaissance Orbiter (LRO) spacecraft is equipped with the Lunar Exploration Neutron Detector (LEND) instrument to measure embedded hydrogen in the Moon's polar regions and elsewhere. We have investigated the relative contribution of lunar and non-lunar (spacecraft-sourced) neutrons by modeling maps of the measured count rate from three of the LEND detector systems using linear combinations of maps compiled from the Lunar Prospector Neutron Spectrometer (LPNS) and the LEND detectors, demonstrating that the two systems are compatible and enabling reference signal to be inferred to enable detecting hydrogen and hydrogen-bearing volatiles. The pole-to-equator contrast ratio in epithermal neutrons indicates that the average concentration of hydrogen in the Moon's polar regolith above 80° north or south latitude is ~110 ppmw, or 0.10±0.01 wt% water-equivalent hydrogen. Above 88° north or south, the concentration increases to ~140 ppmw, or 0.13±0.02 wt% water-equivalent hydrogen. Nearly identical suppression of neutron flux at both the north and south poles, despite differences in topography and distribution of permanently-shadowed regions, supports the contention that hydrogen is broadly distributed in the polar regions and increasingly concentrated approaching the poles. Similarity in the degree of neutron suppression in low-energy and high-energy epithermal neutrons suggests that the hydrogen fraction is relatively uniform with depth down to ~1 m; the neutron leakage flux is insensitive to greater depth.

77 FR 37265 - Lending Limits

Federal Register 2010, 2011, 2012, 2013, 2014

2012-06-21

... the Currency (OCC) is amending its regulation governing lending limits for national banks to consolidate the lending limit rules applicable to national banks and savings associations and remove its...: Jonathan Fink, Assistant Director, Bank Activities and Structure Division, (202) 874-5300; Heidi M. Thomas...

78 FR 17766 - Interagency Guidance on Leveraged Lending

Federal Register 2010, 2011, 2012, 2013, 2014

2013-03-22

..., Board, and FDIC that engage in leveraged lending activities. The number of community banks with substantial involvement in leveraged lending is small; therefore, the agencies generally expect community... potential impact of stressful events and circumstances on borrowers' financial condition. Recent financial...

The Use of Modelling for Theory Building in Qualitative Analysis

ERIC Educational Resources Information Center

Briggs, Ann R. J.

2007-01-01

The purpose of this article is to exemplify and enhance the place of modelling as a qualitative process in educational research. Modelling is widely used in quantitative research as a tool for analysis, theory building and prediction. Statistical data lend themselves to graphical representation of values, interrelationships and operational…

Preconcentration for Improved Long-Term Monitoring of Contaminants in Groundwater: Sorbent Development

DTIC Science & Technology

2013-02-11

calibration curves was ±5%. Ion chromatography (IC) was used for analysis of perchlorate and other ionic targets. Analysis was carried out on a...The methods utilize liquid or gas chromatography , techniques that do not lend themselves well to portable devices and methods. Portable methods are...

Mucking through the Swamp: Changing the Pedagogy of a Social Welfare Policy Course

ERIC Educational Resources Information Center

Anderson, Debra K.

2006-01-01

Despite the fact that social welfare problems do not lend themselves to rational definition and analysis, most undergraduate social welfare policy courses use technical rational approaches to teach policy analysis. This article argues that analysts need to descend from the high ground of rational analysis to the "swampy lowlands of human concern"…

76 FR 28504 - Lending and Investment

Federal Register 2010, 2011, 2012, 2013, 2014

2011-05-17

... DEPARTMENT OF THE TREASURY Office of Thrift Supervision Lending and Investment AGENCY: Office of... collection. Title of Proposal: Lending and Investment. OMB Number: 1550-0078. Form Number: N/A. Description: Current OTS regulations for the documentation of loans and investments for safety and soundness purposes...

76 FR 43385 - Lending and Investment

Federal Register 2010, 2011, 2012, 2013, 2014

2011-07-20

... DEPARTMENT OF THE TREASURY Office of Thrift Supervision Lending and Investment AGENCY: Office of... collection. Title of Proposal: Lending and Investment. OMB Number: 1550-0078. Form Number: N/A. Description: Current OTS regulations for the documentation of loans and investments for safety and soundness purposes...

77 FR 19417 - Proposed Guidance on Leveraged Lending

Federal Register 2010, 2011, 2012, 2013, 2014

2012-03-30

... engaged in leveraged lending activities. The number of community banking organizations with substantial exposure to leveraged lending is very small; therefore the Agencies generally expect that community banking... that they understand their risks and the potential impact of stressful events and circumstances on...

12 CFR 704.7 - Lending.

Code of Federal Regulations, 2010 CFR

2010-01-01

... NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT UNIONS CORPORATE CREDIT UNIONS § 704.7 Lending. (a) Policies. A corporate credit union must operate according to a lending policy which addresses... marketable securities and member reverse repurchase transactions, must not exceed 100 percent of capital. (2...

12 CFR 704.7 - Lending.

Code of Federal Regulations, 2012 CFR

2012-01-01

... NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT UNIONS CORPORATE CREDIT UNIONS § 704.7 Lending. (a) Policies. A corporate credit union must operate according to a lending policy which addresses... marketable securities and member reverse repurchase transactions, must not exceed 100 percent of capital. (2...

12 CFR 704.7 - Lending.

Code of Federal Regulations, 2011 CFR

2011-01-01

... NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT UNIONS CORPORATE CREDIT UNIONS § 704.7 Lending. (a) Policies. A corporate credit union must operate according to a lending policy which addresses... marketable securities and member reverse repurchase transactions, must not exceed 100 percent of capital. (2...

12 CFR 704.7 - Lending.

Code of Federal Regulations, 2013 CFR

2013-01-01

... NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT UNIONS CORPORATE CREDIT UNIONS § 704.7 Lending. (a) Policies. A corporate credit union must operate according to a lending policy which addresses... marketable securities and member reverse repurchase transactions, must not exceed 100 percent of capital. (2...

12 CFR 704.7 - Lending.

Code of Federal Regulations, 2014 CFR

2014-01-01

... NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT UNIONS CORPORATE CREDIT UNIONS § 704.7 Lending. (a) Policies. A corporate credit union must operate according to a lending policy which addresses... marketable securities and member reverse repurchase transactions, must not exceed 100 percent of capital. (2...

24 CFR 202.12 - Title II.

Code of Federal Regulations, 2010 CFR

2010-04-01

...) General requirements—(i) Prohibition against excess variation. The customary lending practices of a mortgagee for its single family insured mortgages shall not provide for a variation in mortgage charge rates... section. (ii) Customary lending practices. The customary lending practices of a mortgagee include all...

Examination of bariatric surgery Facebook support groups: a content analysis.

PubMed

Koball, Afton M; Jester, Dylan J; Domoff, Sarah E; Kallies, Kara J; Grothe, Karen B; Kothari, Shanu N

2017-08-01

Support following bariatric surgery is vital to ensure long-term postoperative success. Many individuals undergoing bariatric surgery are turning to online modalities, especially the popular social media platform Facebook, to access support groups and pages. Despite evidence suggesting that the majority of patients considering bariatric surgery are utilizing online groups, little is known about the actual content of these groups. The purpose of the present study was to conduct a content analysis of bariatric surgery support groups and pages on Facebook. Online via Facebook, independent academic medical center, United States. Data from bariatric surgery-related Facebook support groups and pages were extracted over a 1-month period in 2016. Salient content themes (e.g., progress posts, depression content, eating behaviors) were coded reliably (all κ> .70). More than 6,800 posts and replies were coded. Results indicated that seeking recommendations (11%), providing information or recommendations (53%), commenting on changes since surgery (19%), and lending support to other members (32%) were the most common types of posts. Content surrounding anxiety, eating behaviors, depression, body image, weight bias, and alcohol was found less frequently. Online bariatric surgery groups can be used to receive support, celebrate physical and emotional accomplishments, provide anecdotal accounts of the "bariatric lifestyle" for preoperative patients, and comment on challenges with mental health and experiences of weight bias. Providers should become acquainted with the content commonly found in online groups and exercise caution in recommending these platforms to information-seeking patients. Copyright © 2017 American Society for Bariatric Surgery. Published by Elsevier Inc. All rights reserved.

Mobilizing Public Markets to Finance Renewable Energy Projects: Insights from Expert Stakeholders

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

Schwabe, P.; Mendelsohn, M.; Mormann, F.

Financing renewable energy projects in the United States can be a complex process. Most equity investment in new renewable power production facilities is supported by tax credits and accelerated depreciation benefits, and is constrained by the pool of potential investors that can fully use these tax benefits and are willing to engage in complex financial structures. For debt financing, non-government lending has largely been provided by foreign banks that may be under future lending constraints due to economic and regulatory conditions. To discuss renewable energy financing challenges and to identify new sources of capital to the U.S. market, two roundtablemore » discussions were held with renewable energy and financing experts in April 2012. This report summarizes the key messages of those discussions and is designed to provide insights to the U.S. market and inform the international conversation on renewable energy financing innovations.« less

Lending sociodynamics and economic instability

NASA Astrophysics Data System (ADS)

Hawkins, Raymond J.

2011-11-01

We show how the dynamics of economic instability and financial crises articulated by Keynes in the General Theory and developed by Minsky as the Financial Instability Hypothesis can be formalized using Weidlich’s sociodynamics of opinion formation. The model addresses both the lending sentiment of a lender in isolation as well as the impact on that lending sentiment of the behavior of other lenders. The risk associated with lending is incorporated through a stochastic treatment of loan dynamics that treats prepayment and default as competing risks. With this model we are able to generate endogenously the rapid changes in lending opinion that attend slow changes in lending profitability and find these dynamics to be consistent with the rise and collapse of the non-Agency mortgage-backed securities market in 2007/2008. As the parameters of this model correspond to well-known phenomena in cognitive and social psychology, we can both explain why economic instability has proved robust to advances in risk measurement and suggest how policy for reducing economic instability might be formulated in an experimentally sound manner.

Statistical testing of the full-range leadership theory in nursing.

PubMed

Kanste, Outi; Kääriäinen, Maria; Kyngäs, Helvi

2009-12-01

The aim of this study is to test statistically the structure of the full-range leadership theory in nursing. The data were gathered by postal questionnaires from nurses and nurse leaders working in healthcare organizations in Finland. A follow-up study was performed 1 year later. The sample consisted of 601 nurses and nurse leaders, and the follow-up study had 78 respondents. Theory was tested through structural equation modelling, standard regression analysis and two-way anova. Rewarding transformational leadership seems to promote and passive laissez-faire leadership to reduce willingness to exert extra effort, perceptions of leader effectiveness and satisfaction with the leader. Active management-by-exception seems to reduce willingness to exert extra effort and perception of leader effectiveness. Rewarding transformational leadership remained as a strong explanatory factor of all outcome variables measured 1 year later. The data supported the main structure of the full-range leadership theory, lending support to the universal nature of the theory.

Assaults on Inmates and Staff by Perpetrators of Intimate Partner Homicide: An Examination of Competing Hypotheses.

PubMed

Sorensen, Jonathan R; Vigen, Mark P; Woods, S O; Williams, Bradley D

2015-11-01

The current study presents the results of an analysis of serious and assaultive prison rule violating behavior among male perpetrators of intimate partner homicide (IPH). Data on prison rule violations were collected from a sample of 189 inmates convicted of IPH in a large, southern prison system. The study focused on the degree of continuity in violent behavior among IPH offenders from the community to the prison setting. The current study tested hypotheses derived from both the feminist perspective (FP) and the general violence perspective (GVP). As a group, IPH offenders were better behaved in prison than other incarcerated homicide offenders, thereby offering some support for the FP. However, the lower level of assaultive behavior among the group was not universal. Characteristics associated with continued violent offending in the prison environment were the same as those found in previous studies of incarcerated homicide offenders, thereby lending greater support to the GVP. © The Author(s) 2014.

Toward a sustainable European Network for Health Technology Assessment. The EUnetHTA project.

PubMed

Kristensen, F B; Chamova, J; Hansen, N W

2006-03-01

EUnetHTA is a recently initiated EU network aiming at connecting national HTA agencies, research institutions, and health ministries to enable an effective exchange of information and to lend support to health policy decisions by the Member States. The article briefly discusses the policy background, the specific objectives, and the project structure of the network.

Near-horizon conformal symmetry and black hole entropy.

PubMed

Carlip, S

2002-06-17

Near an event horizon, the action of general relativity acquires a new asymptotic conformal symmetry. For two-dimensional dilaton gravity, this symmetry results in a chiral Virasoro algebra, and Cardy's formula for the density of states reproduces the Bekenstein-Hawking entropy. This lends support to the notion that black hole entropy is controlled universally by conformal symmetry near the horizon.

Educational Development in Thailand: The Role of World Bank Lending. A World Bank Operations Evaluation Study.

ERIC Educational Resources Information Center

World Bank, Washington, DC.

The World Bank's Operation Evaluation Department (OED) evaluates educational development in Thailand and assesses the cumulative impact of the Bank's projects on development in that country. From 1966 to date, the Bank supported six education projects with an estimated cost of a half billion dollars. The report covers: (1) economic and educational…

Research by Design: Design-Based Research and the Higher Degree Research student

ERIC Educational Resources Information Center

Kennedy-Clark, Shannon

2013-01-01

Design-based research lends itself to educational research as the aim of this approach is to develop and refine the design of artefacts, tools and curriculum and to advance existing theory or develop new theories that can support and lead to a deepened understanding of learning. This paper provides an overview of the potential benefits of using a…

Factors Affecting Grammatical and Lexical Complexity of Long-Term L2 Speakers' Oral Proficiency

ERIC Educational Resources Information Center

Lahmann, Cornelia; Steinkrauss, Rasmus; Schmid, Monika S.

2016-01-01

There remains considerable disagreement about which factors drive second language (L2) ultimate attainment. Age of onset (AO) appears to be a robust factor, lending support to theories of maturational constraints on L2 acquisition. The present study is an investigation of factors that influence grammatical and lexical complexity at the stage of L2…

Sample Invariance of the Structural Equation Model and the Item Response Model: A Case Study.

ERIC Educational Resources Information Center

Breithaupt, Krista; Zumbo, Bruno D.

2002-01-01

Evaluated the sample invariance of item discrimination statistics in a case study using real data, responses of 10 random samples of 500 people to a depression scale. Results lend some support to the hypothesized superiority of a two-parameter item response model over the common form of structural equation modeling, at least when responses are…

Patterns of Co-Occurring Non-Verbal Behaviour and Self-Directed Speech; a Comparison of Three Methodological Approaches

ERIC Educational Resources Information Center

Kuvalja, Martina; Verma, Mohini; Whitebread, David

2014-01-01

"Self-directed speech"--the audible or partially whispered self-talk that children engage in during their daily activities, was proposed by Vygotsky to have a mediating role in the emerging self-regulatory behaviour of young children. Studies with correlational findings tend to lend support to this hypothesis but fail to delineate the…

Prevalence of Dental Caries and Periodontal Disease in Mexican American Children Aged 5 to 17 Years: Results from Southwestern HHANES, 1982-83.

ERIC Educational Resources Information Center

Ismail, Amid L.; And Others

1987-01-01

Dental caries and periodontal disease in Mexican American children of the southwestern United States occur mainly in molars, lending strong support for the use of fissure sealants as a preventive procedure. This study also reports on the prevalence of fillings decay and gingivitis in this population. (VM)

Funding the Pan American Materials Conference

DTIC Science & Technology

2015-06-01

sufficient support and (b) senior invited speakers that lend prestige to the event. (a) Papers published in peer-reviewed journals ( N /A for none...including journal references, in the following categories: (b) Papers published in non-peer-reviewed journals ( N /A for none) (c) Presentations...interesting lecture on the extraction of keratin from poultry feathers . The development of alloys for biomedical applications magnesium was described

EHS and FME Lend Their Expertise to NCI Campus Refurbishment Project | Poster

Cancer.gov

In October 2015, the NCI executive officer and the director of NCI’s Office of Space and Facilities Management (OSFM) announced a wide-ranging refurbishment plan for NCI at Frederick. Since then, a project team comprising members from the Office of Scientific Operations, the Management Operations Support Branch, OSFM, the Center for Cancer Research, the Environment, Health,

The Role of Oral Output in Noticing and Promoting the Acquisition of Linguistic Forms

ERIC Educational Resources Information Center

Liu, Dan

2013-01-01

Many empirical studies carried out to test the three major functions of the Comprehensible Output Hypothesis proposed by Swain lend some support to the Hypothesis in one way or another. This study aims to investigate whether giving the Chinese EFL learners an opportunity for oral output encourages them to notice their linguistic problems in oral…

A facet approach to extending the normative component of the theory of reasoned action.

PubMed

Donald, I; Cooper, S R

2001-12-01

Using facet theory, this study addresses the weak explanatory power of normative influence in theories of reasoned action or planned behaviour. A broad normative construct is hypothesized as being characterized by two facets--social unit and behavioural modality--each of which is examined in relation to recreational drug use. A questionnaire was developed from the facets and administered to undergraduate students. Data (N = 181) were analysed using Smallest Space Analysis (SSA). The results suggest that the facets provide an adequate description of the normative construct and that personal and social normative beliefs, behavioural norms and behavioural intentions can be distinguished empirically. The results also lend partial support to Ajzen's (1988; Ajzen & Fishbein, 1977) principle of compatibility. Implications for how social influence is operationalized and conceptualized are also discussed.

Anxiety: towards a decision-theoretic perspective.

PubMed

Shechter, M; Zeidner, M

1990-05-01

This paper sets out to illustrate how anxiety may be incorporated into a formal decision theoretic utility model of choice, and to suggest several measurement procedures towards that end. The major propositions derived and posited in this paper lend considerable support to intuitive notions with respect to the effects of anxiety on human behaviour in risky decision situations. Namely, that the willingness of an individual to pay to reduce health risks (an economic indicator of individual welfare associated with reduced morbidity or increased longevity) tends to be positive and higher when anxiety is present than when it is not. The formal results of the analysis show that when psychological considerations are incorporated into a state-dependent utility model, the normative results customarily obtained concerning value-of-life need to be qualified.

12 CFR 560.101 - Real estate lending standards.

Code of Federal Regulations, 2010 CFR

2010-01-01

... estate lending policies adopted pursuant to this section must: (i) Be consistent with safe and sound... institution's policies must be comprehensive, and consistent with safe and sound lending practices, and must..., construction, and absorption rates. • Current and projected lease terms, rental rates, and sales prices...

Legal Aspects of Public Lending Right.

ERIC Educational Resources Information Center

Hyatt, Dennis

1981-01-01

Discusses national differences, natural justice, and protection of tangible expressions in the copyright law and tactical and practical considerations regarding the legal aspects of author compensation for library lending. Special problems for public lending rights legislation (PLR) in the U.S. are cited. Eighteen references are provided. (CHC)

13 CFR 120.931 - 504 Lending limits.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false 504 Lending limits. 120.931 Section 120.931 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Development Company Loan Program (504) 504 Loans and Debentures § 120.931 504 Lending limits. The outstanding balance...

78 FR 56770 - Agency Information Collection Activities: Information Collection Renewal; Comment Request...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-09-13

... Activities: Information Collection Renewal; Comment Request; Lending Limits AGENCY: Office of the Comptroller... concerning renewal of its information collection titled, ``Lending Limits.'' DATES: Comments must be... information set forth in this document. SUPPLEMENTARY INFORMATION: Title: Lending Limits--12 CFR 32.9. Type of...

13 CFR 120.150 - What are SBA's lending criteria?

Code of Federal Regulations, 2010 CFR

2010-01-01

... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false What are SBA's lending criteria? 120.150 Section 120.150 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Policies Applying to All Business Loans Credit Criteria for Sba Loans § 120.150 What are SBA's lending...

12 CFR 211.12 - Lending limits and capital requirements.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Lending limits and capital requirements. 211.12 Section 211.12 Banks and Banking FEDERAL RESERVE SYSTEM BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM... Lending limits and capital requirements. (a) Acceptances of Edge corporations. (1) Limitations. An Edge...

12 CFR 560.121 - Investment in State housing corporations.

Code of Federal Regulations, 2010 CFR

2010-01-01

....121 Section 560.121 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY LENDING AND INVESTMENT Lending and Investment Provisions Applicable to all Savings Associations § 560.121... do so, may make investments in, commitments to invest in, loans to, or commitments to lend to any...

75 FR 71724 - Real Estate Settlement Procedures Act (RESPA): Solicitation of Information on Changes in...

Federal Register 2010, 2011, 2012, 2013, 2014

2010-11-24

... Procedures Act (RESPA): Solicitation of Information on Changes in Warehouse Lending and Other Loan Funding... guidance under RESPA to address possible changes in warehouse lending and other financing mechanisms used... in recent years, and especially on how warehouse lending currently operates within residential real...

78 FR 10211 - Agency Information Collection Activities; Submission for OMB Review; Comment Request; Securities...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-02-13

... for OMB Review; Comment Request; Securities Lending by Employee Benefit Plans ACTION: Notice. SUMMARY...) sponsored information collection request (ICR) titled, ``Securities Lending by Employee Benefit Plans,'' [email protected] . Authority: 44 U.S.C. 3507(a)(1)(D). SUPPLEMENTARY INFORMATION: The Securities Lending by...

78 FR 69934 - Agency Information Collection Activities: Information Collection Renewal; Submission for OMB...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-11-21

... Activities: Information Collection Renewal; Submission for OMB Review; Lending Limits AGENCY: Office of the... concerning renewal of its information collection titled, ``Lending Limits.'' The OCC is also giving notice... INFORMATION: The OCC is seeking to renew, without change, the following collection: Title: Lending Limits--12...

12 CFR 613.3200 - International lending.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false International lending. 613.3200 Section 613.3200 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM ELIGIBILITY AND SCOPE OF FINANCING Financing for Banks Operating Under Title III of the Farm Credit Act § 613.3200 International lending. (a...

78 FR 66004 - Agency Information Collection Activities: Proposed Collection Renewal; Comment Request Re: Real...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-11-04

... Collection Renewal; Comment Request Re: Real Estate Lending Standards AGENCY: Federal Deposit Insurance... take this opportunity to comment on renewal of its information collection entitled Real Estate Lending... currently approved collections of information: Title: Real Estate Lending Standards. OMB Number: 3064-0112...

12 CFR 560.110 - Most favored lender usury preemption.

Code of Federal Regulations, 2010 CFR

2010-01-01

... Section 560.110 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY LENDING AND INVESTMENT Lending and Investment Provisions Applicable to all Savings Associations § 560.110 Most favored... lending institution by the law of that state. If state law permits different interest charges on specified...

7 CFR 4280.23 - Requirements for lending from Revolving Loan Fund.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 15 2010-01-01 2010-01-01 false Requirements for lending from Revolving Loan Fund. 4280.23 Section 4280.23 Agriculture Regulations of the Department of Agriculture (Continued) RURAL... Economic Development Loan and Grant Programs § 4280.23 Requirements for lending from Revolving Loan Fund...

75 FR 66553 - Truth in Lending

Federal Register 2010, 2011, 2012, 2013, 2014

2010-10-28

... AGENCY: Board of Governors of the Federal Reserve System. ACTION: Interim final rule; request for public comment. SUMMARY: The Board is publishing for public comment an interim final rule amending Regulation Z (Truth in Lending). The interim rule implements Section 129E of the Truth in Lending Act (TILA), which...

Communities respond to predatory lending.

PubMed

Caplan, Mary Ager

2014-04-01

Low-income communities in the United States have faced a history of financial marginalization and exploitation, most evident today in the proliferation of predatory financial services, such as payday lending and check-cashing services. Ameliorating the negative effects of predatory lending has become increasingly important on the agenda of community development efforts and the field of social work. Through the use of case studies, this article describes three specific strategies that communities use to increase financial inclusion and buffer against the deleterious effects of predatory lending: inclusion, community-based alternatives, and community advocacy.

Conversion of paper sludge to ethanol, II: process design and economic analysis.

PubMed

Fan, Zhiliang; Lynd, Lee R

2007-01-01

Process design and economics are considered for conversion of paper sludge to ethanol. A particular site, a bleached kraft mill operated in Gorham, NH by Fraser Papers (15 tons dry sludge processed per day), is considered. In addition, profitability is examined for a larger plant (50 dry tons per day) and sensitivity analysis is carried out with respect to capacity, tipping fee, and ethanol price. Conversion based on simultaneous saccharification and fermentation with intermittent feeding is examined, with ethanol recovery provided by distillation and molecular sieve adsorption. It was found that the Fraser plant achieves positive cash flow with or without xylose conversion and mineral recovery. Sensitivity analysis indicates economics are very sensitive to ethanol selling price and scale; significant but less sensitive to the tipping fee, and rather insensitive to the prices of cellulase and power. Internal rates of return exceeding 15% are projected for larger plants at most combinations of scale, tipping fee, and ethanol price. Our analysis lends support to the proposition that paper sludge is a leading point-of-entry and proving ground for emergent industrial processes featuring enzymatic hydrolysis of cellulosic biomass.

"It Was the Best of Times, It Was the Worst of Times": A Qualitative Investigation of Perfectionism and Drinking Narratives in Undergraduate Students.

PubMed

Nealis, Logan J; Mackinnon, Sean P

2017-01-01

Perfectionism is a transdiagnostic risk factor for mental health and interpersonal difficulties, but research on perfectionism and alcohol use in emerging adults remains equivocal. Qualitative research methods are underutilized in this area, and inductive analysis of drinking narratives in undergraduate perfectionists may help clarify conflicting results and support novel approaches to quantitative inquiry in this area. We interviewed 20 undergraduates high in perfectionism (6 adaptive perfectionists and 14 maladaptive perfectionists) using a narrative interview, with analyses focusing on a situation involving alcohol use. We coded interviews for emergent themes using thematic analysis. Five themes emerged as follows: (1) drinking as a social experience, (2) suffering consequences, (3) learning from alcohol, (4) alcohol use as escapism, and (5) reluctance and moderation. Our results add to existing literature by highlighting the interpersonal conflict in perfectionistic people's experience in relation to alcohol use during emerging adulthood. Results also suggest perfectionistic people may use alcohol and intoxication as a way to facilitate a "release" from unpleasant situations or emotions. Perfectionists reported both positive and negative experiences, which lends support for using a narrative perspective to help overcome preexisting assumptions about adaptive and maladaptive qualities of perfectionism.

76 FR 40200 - Semiannual Regulatory Flexibility Agenda

Federal Register 2010, 2011, 2012, 2013, 2014

2011-07-07

...- 1404). 447 Regulation Z--Truth in 7100-AD55 Lending (Docket No. R- 1393). 448 Regulation Z--Truth in 7100-AD56 Lending (Docket No. R- 1394). FEDERAL RESERVE SYSTEM (FRS) Final Rule Stage 445. Regulation Z... on March 2, 2011, a proposed rule that would amend Regulation Z (Truth in Lending) to implement...

Collateral Damage: Interlibrary Loan Lending Denials

ERIC Educational Resources Information Center

Leykam, Andrew

2009-01-01

The intent of this paper is to explore the potential of utilizing interlibrary loan (ILL) data relating to lending denials to improve ILL services while highlighting institutional policies that have a negative impact on lending fulfillment rates. Reasons for denial as well as the types of requests being denied are reviewed. In addition, the author…

12 CFR 34.61 - Purpose and scope.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Purpose and scope. 34.61 Section 34.61 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY REAL ESTATE LENDING AND APPRAISALS... standards for real estate lending to be used by national banks in adopting internal real estate lending...

37 CFR 201.24 - Warning of copyright for software lending by nonprofit libraries.

Code of Federal Regulations, 2012 CFR

2012-07-01

... software lending by nonprofit libraries. 201.24 Section 201.24 Patents, Trademarks, and Copyrights... copyright for software lending by nonprofit libraries. (a) Definition. A Warning of Copyright for Software... States Code, as amended by the Computer Software Rental Amendments Act of 1990, Public Law 101-650. As...

37 CFR 201.24 - Warning of copyright for software lending by nonprofit libraries.

Code of Federal Regulations, 2013 CFR

2013-07-01

... software lending by nonprofit libraries. 201.24 Section 201.24 Patents, Trademarks, and Copyrights... copyright for software lending by nonprofit libraries. (a) Definition. A Warning of Copyright for Software... States Code, as amended by the Computer Software Rental Amendments Act of 1990, Public Law 101-650. As...

37 CFR 201.24 - Warning of copyright for software lending by nonprofit libraries.

Code of Federal Regulations, 2011 CFR

2011-07-01

... software lending by nonprofit libraries. 201.24 Section 201.24 Patents, Trademarks, and Copyrights... copyright for software lending by nonprofit libraries. (a) Definition. A Warning of Copyright for Software... States Code, as amended by the Computer Software Rental Amendments Act of 1990, Public Law 101-650. As...

37 CFR 201.24 - Warning of copyright for software lending by nonprofit libraries.

Code of Federal Regulations, 2010 CFR

2010-07-01

... software lending by nonprofit libraries. 201.24 Section 201.24 Patents, Trademarks, and Copyrights... copyright for software lending by nonprofit libraries. (a) Definition. A Warning of Copyright for Software... States Code, as amended by the Computer Software Rental Amendments Act of 1990, Public Law 101-650. As...

37 CFR 201.24 - Warning of copyright for software lending by nonprofit libraries.

Code of Federal Regulations, 2014 CFR

2014-07-01

... software lending by nonprofit libraries. 201.24 Section 201.24 Patents, Trademarks, and Copyrights U.S... copyright for software lending by nonprofit libraries. (a) Definition. A Warning of Copyright for Software... States Code, as amended by the Computer Software Rental Amendments Act of 1990, Public Law 101-650. As...

12 CFR 613.3005 - Lending objective.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Lending objective. 613.3005 Section 613.3005 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM ELIGIBILITY AND SCOPE OF FINANCING Financing Under Titles I and II of the Farm Credit Act § 613.3005 Lending objective. It is the objective of...

12 CFR 338.9 - Mortgage lending of a controlled entity.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Mortgage lending of a controlled entity. 338.9 Section 338.9 Banks and Banking FEDERAL DEPOSIT INSURANCE CORPORATION REGULATIONS AND STATEMENTS OF GENERAL POLICY FAIR HOUSING Recordkeeping § 338.9 Mortgage lending of a controlled entity. Any bank which...

13 CFR 120.150 - What are SBA's lending criteria?

Code of Federal Regulations, 2011 CFR

2011-01-01

... 13 Business Credit and Assistance 1 2011-01-01 2011-01-01 false What are SBA's lending criteria... Policies Applying to All Business Loans Credit Criteria for Sba Loans § 120.150 What are SBA's lending criteria? The applicant (including an Operating Company) must be creditworthy. Loans must be so sound as to...

34 CFR 682.608 - Termination of a school's lending eligibility.

Code of Federal Regulations, 2011 CFR

2011-07-01

... 34 Education 4 2011-07-01 2011-07-01 false Termination of a school's lending eligibility. 682.608... Requirements, Standards, and Payments for Participating Schools § 682.608 Termination of a school's lending eligibility. (a) General. The Secretary may terminate a school's eligibility to make loans under this part if...

Tell Me a Story: A Literacy-Based Intervention to Help Children, Early Care Providers, and Parents Talk about Difficult Topics

ERIC Educational Resources Information Center

Beardslee, William R.; Bartlett, Jessica Dym; Ayoub, Catherine

2014-01-01

The use of storytelling and discussion about difficult topics naturally lends itself to early skill development in both social-emotional and academic (i.e., emergent literacy) domains. In this article, the authors present initial information on the efficacy and feasibility of Tell Me A Story (TMAS), a program focused on supporting early childhood…

East Europe Report, Economic and Industrial Affairs, No. 2409

DTIC Science & Technology

1983-06-09

technologically unsophisticated or because they do not correspond to the necessity for locating facilities rationally in terms of the natural and...Geological explorations and drilling in search of ore and nonmetalliferous min- eral deposits, cooperation in technology , extraction and processing...agreed to lend support and to encourage cooperation in the production of and trade in ready-to-wear clothing, knitwear , shoes, leather goods etc. 5

Dynamical behaviour in coronal loops

NASA Technical Reports Server (NTRS)

Haisch, Bernhard M.

1986-01-01

Rapid variability has been found in two active region coronal loops observed by the X-ray Polychromator (XRP) and the Hard X-ray Imaging Spectrometer (HXIS) onboard the Solar Maximum Mission (SMM). There appear to be surprisingly few observations of the short-time scale behavior of hot loops, and the evidence presented herein lends support to the hypothesis that coronal heating may be impulsive and driven by flaring.

Dynamical behaviour in coronal loops

NASA Astrophysics Data System (ADS)

Haisch, Bernhard M.

Rapid variability has been found in two active region coronal loops observed by the X-ray Polychromator (XRP) and the Hard X-ray Imaging Spectrometer (HXIS) onboard the Solar Maximum Mission (SMM). There appear to be surprisingly few observations of the short-time scale behavior of hot loops, and the evidence presented herein lends support to the hypothesis that coronal heating may be impulsive and driven by flaring.

Commander’s Guide to Money as a Weapons System: Tactics, Techniques, and Procedures

DTIC Science & Technology

2009-04-01

services and expand commercial lending through microfinance institutions and banks. • The Iraq Rapid Assistance Program allows provincial reconstruction...rate of over 98 percent. There are presently three international microfinance institutions serving Iraqis: Al Thiqa (operated by Agricultural...International. USAID currently supports six indigenous microfinance institutions: Al-Aman in Kirkuk; Al Bashair in Baghdad; Al Takadum with offices in Al

13 CFR 120.714 - How are grants made to non-lending technical assistance providers (NTAP)?

Code of Federal Regulations, 2011 CFR

2011-01-01

... 13 Business Credit and Assistance 1 2011-01-01 2011-01-01 false How are grants made to non-lending technical assistance providers (NTAP)? 120.714 Section 120.714 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Microloan Program § 120.714 How are grants made to non-lending technical assistance...

12 CFR 723.3 - What are the requirements for construction and development lending?

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false What are the requirements for construction and development lending? 723.3 Section 723.3 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS... development lending? Except as provided in § 723.4 or unless your Regional Director grants a waiver, loans...

South Carolina's SC LENDS: Optimizing Libraries, Transforming Lending

ERIC Educational Resources Information Center

Hamby, Rogan; McBride, Ray; Lundberg, Maria

2011-01-01

Since SC LENDS started operating in June 2009, more public libraries have come on board. All of this on the back end connects to a Mozilla-based staff client that has distributions for Mac OS X and Microsoft Windows, using SSL encryption to keep communications secure and private between remote libraries and the servers hosted at a high-end…

Hospital finance.

PubMed

Herman, M J

1998-01-01

This article summarizes key areas of focus for the analysis of risk in the hospital segment of the health care industry. The article is written from a commercial bank lending perspective. Both for-profit (C-corporations) and 501 (c)(3) not-for-profit segments are addressed.

Teaching Principles of One-Way Analysis of Variance Using M&M's Candy

ERIC Educational Resources Information Center

Schwartz, Todd A.

2013-01-01

I present an active learning classroom exercise illustrating essential principles of one-way analysis of variance (ANOVA) methods. The exercise is easily conducted by the instructor and is instructive (as well as enjoyable) for the students. This is conducive for demonstrating many theoretical and practical issues related to ANOVA and lends itself…

Analysis of type 3 solar radio bursts observed at kilometric wavelengths from the OGO-5 satellite

NASA Technical Reports Server (NTRS)

Alvarez, H.

1971-01-01

Research was conducted to analyze the data on solar radio bursts obtained by the OGO-5 satellite. Since the wavelengths corresponding to the three lowest frequencies of observations exceeded one kilometer, the bursts detected in those channels were designated as kilometer-waves. The data search covered approximately 9200 hours between March 1968 and February 1970, and included the maximum of solar cycle No. 20. The study concentrated on 64 Type 3 solar radio events reaching frequencies equal or lower than 0.35 MHz. This selection criteria led to the choice of the most intense radio events. Measurements included: times of start, times of decay, and amplitudes of the 64 events. The consistency of the results, within the accuracy of the measurements, lends support to some of the assumptions made for the analysis, notably, the validity of the local plasma hypothesis, the constancy of the exciter particles velocity, and spiral shape of their trajectory.

Alcohol advertising, consumption and abuse: a covariance-structural modelling look at Strickland's data.

PubMed

Adlaf, E M; Kohn, P M

1989-07-01

Re-analysis employing covariance-structural models was conducted on Strickland's (1983) survey data on 772 drinking students from Grades 7, 9 and 11. These data bear on the relations among alcohol consumption, alcohol abuse, association with drinking peers and exposure to televised alcohol advertising. Whereas Strickland used a just-identified model which, therefore, could not be tested for goodness of fit, our re-analysis tested several alternative models, which could be contradicted by the data. One model did fit his data particularly well. Its major implications are as follows: (1) Symptomatic consumption, negative consequences and self-rated severity of alcohol-related problems apparently reflect a common underlying factor, namely alcohol abuse. (2) Use of alcohol to relieve distress and frequency of intoxication, however, appear not to reflect abuse, although frequent intoxication contributes substantially to it. (3). Alcohol advertising affects consumption directly and abuse indirectly, although peer association has far greater impact on both consumption and abuse. These findings are interpreted as lending little support to further restrictions on advertising.

Conductive contact area estimation for carbon nanotube via interconnects using secondary-electron imaging

NASA Astrophysics Data System (ADS)

Abe, Yusuke; Suzuki, Makoto; Vyas, Anshul; Yang, Cary Y.

2018-01-01

A major challenge for carbon nanotube (CNT) to become a viable replacement of copper and tungsten in the next-generation on-chip via interconnects is the high contact resistance between CNT and metal electrodes. A first step in meeting this challenge is an accurate characterization of via contact resistance. In this paper, the scanning electron microscope (SEM) image contrast at low landing energy is employed to estimate the conductive CNT area inside vias. The total conductive CNT area inside each via is deduced using SEM image with 0.1 keV landing energy and a specified threshold brightness, yielding via resistance versus CNT area behavior, which correlates well with electrical nanoprobing measurements of via resistance. Monte Carlo simulation of secondary electron generation lends further support for our analysis and suggests that the residue covering the CNT does not affect the conduction across the contact for residue thickness below 1 nm. This imaging and analysis technique can add much value to CNT via interconnect contact characterization.

12 CFR 218.772 - Exemption from the definition of “broker” for banks engaging in securities lending transactions.

Code of Federal Regulations, 2011 CFR

2011-01-01

... banks engaging in securities lending transactions. 218.772 Section 218.772 Banks and Banking FEDERAL... OF BROKER IN THE SECURITIES EXCHANGE ACT OF 1934 (REGULATION R) § 218.772 Exemption from the definition of “broker” for banks engaging in securities lending transactions. (a) A bank is exempt from the...

12 CFR 218.772 - Exemption from the definition of “broker” for banks engaging in securities lending transactions.

Code of Federal Regulations, 2013 CFR

2013-01-01

... banks engaging in securities lending transactions. 218.772 Section 218.772 Banks and Banking FEDERAL... OF BROKER IN THE SECURITIES EXCHANGE ACT OF 1934 (REGULATION R) § 218.772 Exemption from the definition of “broker” for banks engaging in securities lending transactions. (a) A bank is exempt from the...

12 CFR 218.772 - Exemption from the definition of “broker” for banks engaging in securities lending transactions.

Code of Federal Regulations, 2012 CFR

2012-01-01

... banks engaging in securities lending transactions. 218.772 Section 218.772 Banks and Banking FEDERAL... OF BROKER IN THE SECURITIES EXCHANGE ACT OF 1934 (REGULATION R) § 218.772 Exemption from the definition of “broker” for banks engaging in securities lending transactions. (a) A bank is exempt from the...

12 CFR 218.772 - Exemption from the definition of “broker” for banks engaging in securities lending transactions.

Code of Federal Regulations, 2010 CFR

2010-01-01

... banks engaging in securities lending transactions. 218.772 Section 218.772 Banks and Banking FEDERAL... OF BROKER IN THE SECURITIES EXCHANGE ACT OF 1934 (REGULATION R) § 218.772 Exemption from the definition of “broker” for banks engaging in securities lending transactions. (a) A bank is exempt from the...

12 CFR 218.772 - Exemption from the definition of “broker” for banks engaging in securities lending transactions.

Code of Federal Regulations, 2014 CFR

2014-01-01

... banks engaging in securities lending transactions. 218.772 Section 218.772 Banks and Banking FEDERAL... OF BROKER IN THE SECURITIES EXCHANGE ACT OF 1934 (REGULATION R) § 218.772 Exemption from the definition of “broker” for banks engaging in securities lending transactions. (a) A bank is exempt from the...

12 CFR Appendix III to Part 27 - Fair Housing Lending Inquiry/Application Log Sheet

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Fair Housing Lending Inquiry/Application Log Sheet III Appendix III to Part 27 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY FAIR HOUSING HOME LOAN DATA SYSTEM Pt. 27, App. III Appendix III to Part 27—Fair Housing Lending...

12 CFR 32.7 - Residential real estate loans, small business loans, and small farm loans (“Supplemental Lending...

Code of Federal Regulations, 2014 CFR

2014-01-01

... 12 Banks and Banking 1 2014-01-01 2014-01-01 false Residential real estate loans, small business loans, and small farm loans (âSupplemental Lending Limits Programâ). 32.7 Section 32.7 Banks and Banking..., small business loans, and small farm loans (“Supplemental Lending Limits Program”). (a) Residential real...

12 CFR 32.7 - Residential real estate loans, small business loans, and small farm loans (“Supplemental Lending...

Code of Federal Regulations, 2013 CFR

2013-01-01

... 12 Banks and Banking 1 2013-01-01 2013-01-01 false Residential real estate loans, small business loans, and small farm loans (âSupplemental Lending Limits Programâ). 32.7 Section 32.7 Banks and Banking..., small business loans, and small farm loans (“Supplemental Lending Limits Program”). (a) Residential real...

Exploring the meaning of parental involvement in physical education for students with developmental disabilities.

PubMed

An, Jihoun; Hodge, Samuel R

2013-04-01

The purpose of this phenomenological inquiry was to explore the experiences and meaning of parental involvement in physical education from the perspectives of the parents of students with developmental disabilities. The stories of four mothers of elementary aged children (3 boys, 1 girl), two mothers and one couple (mother and father) of secondary-aged youth (1 girl, 2 boys) with developmental disabilities, were gathered by using interviews, photographs, school documents, and the researcher's journal. Bronfenbrenner's (2005) ecological system theory provided a conceptual framework to interpret the findings of this inquiry. Three themes emerged from thematic analysis: being an advocate for my child, understanding the big picture, and collaborative partnerships undeveloped in GPE. The findings lend additional support to the need for establishing collaborative partnerships in physical education between home and school environments (An & Goodwin, 2007; Tekin, 2011).

Cold plasma processing of local planetary ores for oxygen and metallurgically important metals

NASA Technical Reports Server (NTRS)

Lynch, D. C.; Bullard, D.; Ortega, R.

1990-01-01

The utilization of a cold plasma in chlorination processing is described. Essential equipment and instruments were received, the experimental apparatus assembled and tested, and preliminary experiments conducted. The results of the latter lend support to the original hypothesis: a cold plasma can both significantly enhance and bias chemical reactions. In two separate experiments, a cold plasma was used to reduce TiCl4 vapor and chlorinate ilmenite. The latter, reacted in an argon-chlorine plasma, yielded oxygen. The former experiment reveals that chlorine can be recovered as HCl vapor from metal chlorides in a hydrogen plasma. Furthermore, the success of the hydrogen experiments has lead to an analysis of the feasibility of direct hydrogen reduction of metal oxides in a cold plasma. That process would produce water vapor and numerous metal by-products.

Testing the Grossman model of medical spending determinants with macroeconomic panel data.

PubMed

Hartwig, Jochen; Sturm, Jan-Egbert

2018-02-16

Michael Grossman's human capital model of the demand for health has been argued to be one of the major achievements in theoretical health economics. Attempts to test this model empirically have been sparse, however, and with mixed results. These attempts so far relied on using-mostly cross-sectional-micro data from household surveys. For the first time in the literature, we bring in macroeconomic panel data for 29 OECD countries over the period 1970-2010 to test the model. To check the robustness of the results for the determinants of medical spending identified by the model, we include additional covariates in an extreme bounds analysis (EBA) framework. The preferred model specifications (including the robust covariates) do not lend much empirical support to the Grossman model. This is in line with the mixed results of earlier studies.

Siliceous spicules in a vauxiid sponge (Demospongia) from the Kaili Biota(Cambrian Stage 5), Guizhou, South China

NASA Astrophysics Data System (ADS)

Yang, X.-L.; Zhao, Y.-L.; Babcock, L. E.; Peng, J.

2017-02-01

Fossils of the sponge Angulosuspongia sinensis from calcareous mudstones of the middle and upper part of the Kaili Formation (Cambrian Stage 5) in the Jianhe area of Guizhou province, South China, exhibit an apparently reticulate pattern, characteristic of the Vauxiidae. Energy Dispersive X-Ray Spectrometry (EDS) and Raman spectroscopy analysis indicate the presence of silica in the skeletal elements of these fossils, suggesting that this taxon possessed a skeleton comprised of spicules. This is the first confirmation of siliceous skeletal elements in fossils of the family Vauxiidae, and it lends support to the hypothesis that some early demosponges possessed biomineralized siliceous skeletons, which were subsequently lost and replaced by spongin later in the evolutionary history of this lineage. The new materials provide critical insight into the phylogeny and evolution of biomineralization in the Demosopongiae.

Prima facie reasons to question enclosed intellectual property regimes and favor open-source regimes for germplasm

PubMed Central

Halpert, Madeleine-Thérèse; Chappell, M. Jahi

2017-01-01

In principle, intellectual property protections (IPPs) promote and protect important but costly investment in research and development. However, the empirical reality of IPPs has often gone without critical evaluation, and the potential of alternative approaches to lend equal or greater support for useful innovation is rarely considered. In this paper, we review the mounting evidence that the global intellectual property regime (IPR) for germplasm has been neither necessary nor sufficient to generate socially beneficial improvements in crop plants and maintain agrobiodiversity. Instead, based on our analysis, the dominant global IPR appears to have contributed to consolidation in the seed industry while failing to genuinely engage with the potential of alternatives to support social goods such as food security, adaptability, and resilience. The dominant IPR also constrains collaborative and cumulative plant breeding processes that are built upon the work of countless farmers past and present. Given the likely limits of current IPR, we propose that social goods in agriculture may be better supported by alternative approaches, warranting a rapid move away from the dominant single-dimensional focus on encouraging innovation through ensuring monopoly profits to IPP holders. PMID:28529703

Prima facie reasons to question enclosed intellectual property regimes and favor open-source regimes for germplasm.

PubMed

Halpert, Madeleine-Thérèse; Chappell, M Jahi

2017-01-01

In principle, intellectual property protections (IPPs) promote and protect important but costly investment in research and development. However, the empirical reality of IPPs has often gone without critical evaluation, and the potential of alternative approaches to lend equal or greater support for useful innovation is rarely considered. In this paper, we review the mounting evidence that the global intellectual property regime (IPR) for germplasm has been neither necessary nor sufficient to generate socially beneficial improvements in crop plants and maintain agrobiodiversity. Instead, based on our analysis, the dominant global IPR appears to have contributed to consolidation in the seed industry while failing to genuinely engage with the potential of alternatives to support social goods such as food security, adaptability, and resilience. The dominant IPR also constrains collaborative and cumulative plant breeding processes that are built upon the work of countless farmers past and present. Given the likely limits of current IPR, we propose that social goods in agriculture may be better supported by alternative approaches, warranting a rapid move away from the dominant single-dimensional focus on encouraging innovation through ensuring monopoly profits to IPP holders.

Michael T. Guarnieri | NREL

Science.gov Websites

accumulation," J. Proteomics (2013) "Comparative Proteomics Lends Insight into Genotype-Specific Pathogenicity," J. Proteomics (2013) "De Novo Transcriptomic Analysis of Hydrogen Production in the amino acid changes in the small envelope protein and rescued by a novel glycosolation site," J

Exploration of Volatile Resources on the Moon with the Lunar Reconnaissance Orbiter (LRO) Lunar Exploration Neutron Detector (LEND)

NASA Astrophysics Data System (ADS)

Livengood, T. A.; Boynton, W. V.; Sanin, A.; Chin, G.; Litvak, M.; McClanahan, T. P.; Mitrofanov, I. G.; Sagdeev, R.

2013-12-01

The Lunar Exploration Neutron Detector (LEND) on the Lunar Reconnaissance Orbiter (LRO) is tasked with evaluating the quantity of hydrogen-bearing species within the upper meter of lunar regolith; investigating the presence and distribution of possible water-ice deposits in permanently shadowed regions (PSRs) near the poles; and determining the neutron contribution to total radiation dose at 50 km altitude above the Moon. To fulfill these goals, LEND has been mapping the distribution of thermal and epithermal neutron leakage flux since LRO entered its mapping orbit in September 2009. LRO moved to an elliptical orbit in December 2011, with 30 km periselene over the south pole and aposelene above the north pole. During the commissioning phase of the mission, July-September 2009, LEND obtained preliminary mapping of hydrogen/water deposits near the south pole that contributed to site-selection for the LCROSS impact. Global maps of neutron leakage flux measured with LEND show regional variation in thermal (energy < 0.015 eV) and fast (>0.5 MeV) neutrons, and map epithermal neutron flux globally. Spatial resolution of the collimated detector is consistent with the design value of 5 km radius for half the detected lunar epithermal neutrons, with the remainder spatially diffuse. Statistically significant neutron-suppressed regions (NSRs) are not closely related to polar PSRs. Outside of the NSRs, hydrogen content increases directly with latitude at both poles. Thermal volatilization of water deposits may be responsible for increasing H concentrations nearer the poles because it is minimized at the low surface temperature of the poles. Significant neutron suppression regions (NSRs) relative to neighboring regions have been found in three large PSRs, Shoemaker and Cabeus in the south and Rozhdestvensky U in the north. Some small PSRs display excess neutron emission compared to the sunlit vicinity. On average, PSRs other than these three do not contain significantly more hydrogen than sunlit areas around them at the same latitude. Correlation between neutron suppression measured by LEND and illumination models for the Moon's polar regions suggests that insolation at the poles is an important factor in locally modulating hydrogen concentrations so that the highest concentrations of hydrogen appear to be on poleward-facing vs. equator-facing slopes. Epithermal neutron flux is slightly suppressed near the dawn terminator at near-equatorial latitude, with least suppression in local lunar mid-afternoon, implying a mobile population of hydrogen-bearing volatiles near the terminator that resides transiently in the regolith. The observed pattern supports hypothesized mineral hydration at the terminator in the form of H2O/OH.

Court Documents Related to Martin Luther King, Jr., and Memphis Sanitation Workers. The Constitution Community: Postwar United States (1945 to Early 1970s).

ERIC Educational Resources Information Center

Perry, Douglas

During inclement weather in Memphis, Tennessee in February 1968, two separate incidents caused black sanitation workers to strike for job safety, better wages and benefits, and union recognition. Mayor Henry Loeb was unsympathetic and opposed to the union. Martin Luther King agreed to lend his support to the sanitation workers and spoke at a rally…

Catastrophic Health Insurance. Hearing before the Committee on Finance. United States Senate, One Hundredth Congress, First Session. Part 1 of 3.

ERIC Educational Resources Information Center

Congress of the U.S., Washington, DC. Senate Committee on Finance.

This document is the first of three documents which present the Senate hearings on catastrophic health insurance called to determine how the private sector and the government can work together to lend support to the elderly and their families when they are threatened by catastrophic illness and to examine the issue of coverage of catastrophic…

Tellurium content of marine manganese oxides and other manganese oxides

USGS Publications Warehouse

Lakin, H.W.; Thompson, C.E.; Davidson, D.F.

1963-01-01

Tellurium in amounts ranging from 5 to 125 parts per million was present in all of 12 samples of manganese oxide nodules from the floor of the Pacific and Indian oceans. These samples represent the first recognized points of high tellurium concentration in a sedimentary cycle. The analyses may lend support to the theory that the minor-element content of seafloor manganese nodules is derived from volcanic emanations.

Convergent Synthesis and Structural Confirmation of Phellodonin and Sarcodonin ε

PubMed Central

Usui, Ippei; Lin, David W.; Masuda, Takeshi

2013-01-01

The first synthesis of members of the sarcodonin family, phellodonin and sarcodonin ε, is reported herein. This verifies that the unprecedented and seemingly unstable N,N-dioxide-containing benzodioxazine framework can be constructed in the laboratory, and lends further support to the proposed structures. The key step in the synthesis involves a biomimetic hetero-Diels–Alder reaction between a pyrazine N-oxide and an ortho-quinone. PMID:23577748

The phase model of burnout and employee turnover.

PubMed

Goodman, Eric A; Boss, R Wayne

2002-01-01

This study explores the phase model of burnout and investigates its relationship to actual turnover in a hospital. The results indicate that employees who turnover have significantly higher burnout phase scores that those who stay in the organization. A further comparison of voluntary and involuntary turnover demonstrates that there is no significant differences on burnout phase scores. The findings lend support to the usefulness of the phase model of burnout.

Sub-Saharan Africa Report

DTIC Science & Technology

1987-04-01

election, for only then can they successfully fight what they see as the threat of a black government resulting from government policy. The...careful. What is happening in Bisho and Mabatho can easily spill over to our comfortable South Africa. History has proved that these things have a...see what support they they can lend to getting rid of the National Party Govern- ment. Different A series of tenuous alliances is enticing- ly

Who Leaves Suicide Notes? An Exploration of Victim Characteristics and Suicide Method of Completed Suicides in Queensland.

PubMed

Carpenter, Belinda; Bond, Christine; Tait, Gordon; Wilson, Moira; White, Kris

2016-01-01

The objective of this study is to address the question: are those who leave suicide notes representative of the larger population of those who commit suicide? The method involves an analysis of a full population of suicides by residents of Queensland, Australia for the full year of 2004, with the information drawn from Coronial files. Our overall results suggest that, and in support of previous research, the population who leaves suicide notes are remarkably similar to those who do not. Differences are identified in four areas: first, and in contrast to prior research, females are less likely to leave a suicide note; second, and in support of previous research, Aboriginal Australians are less likely to leave suicide notes; third, and in support of some previous research, those who use gas as a method of suicide are more likely to leave notes, while those who use a vehicle or a train are less likely to leave notes; finally, our findings lend support to research which finds that those with a diagnosed mental illness are less likely to leave notes. The discussion addresses some of the reasons these disparities may have occurred, and continues the debate over the degree to which suicide notes give insight into the larger suicide population.

Otolith shape lends support to the sensory drive hypothesis in rockfishes.

PubMed

Tuset, V M; Otero-Ferrer, J L; Gómez-Zurita, J; Venerus, L A; Stransky, C; Imondi, R; Orlov, A M; Ye, Z; Santschi, L; Afanasiev, P K; Zhuang, L; Farré, M; Love, M S; Lombarte, A

2016-10-01

The sensory drive hypothesis proposes that environmental factors affect both signalling dynamics and the evolution of signals and receivers. Sound detection and equilibrium in marine fishes are senses dependent on the sagittae otoliths, whose morphological variability appears intrinsically linked to the environment. The aim of this study was to understand if and which environmental factors could be conditioning the evolution of this sensory structure, therefore lending support to the sensory drive hypothesis. Thus, we analysed the otolith shape of 42 rockfish species (Sebastes spp.) to test the potential associations with the phylogeny, biological (age), ecological (feeding habit and depth distribution) and biogeographical factors. The results showed strong differences in the otolith shapes of some species, noticeably influenced by ecological and biogeographical factors. Moreover, otolith shape was clearly conditioned by phylogeny, but with a strong environmental effect, cautioning about the use of this structure for the systematics of rockfishes or other marine fishes. However, our most relevant finding is that the data supported the sensory drive hypothesis as a force promoting the radiation of the genus Sebastes. This hypothesis holds that adaptive divergence in communication has significant influence relative to other life history traits. It has already been established in Sebastes for visual characters and organs; our results showed that it applies to otolith transformations as well (despite the clear influence of feeding and depth), expanding the scope of the hypothesis to other sensory structures. © 2016 European Society For Evolutionary Biology. Journal of Evolutionary Biology © 2016 European Society For Evolutionary Biology.

Object-location memory in adults with autism spectrum disorder.

PubMed

Ring, Melanie; Gaigg, Sebastian B; Bowler, Dermot M

2015-10-01

This study tested implicit and explicit spatial relational memory in Autism Spectrum Disorder (ASD). Participants were asked to study pictures of rooms and pictures of daily objects for which locations were highlighted in the rooms. Participants were later tested for their memory of the object locations either by being asked to place objects back into their original locations or into new locations. Proportions of times when participants choose the previously studied locations for the objects irrespective of the instruction were used to derive indices of explicit and implicit memory [process-dissociation procedure, Jacoby, 1991, 1998]. In addition, participants performed object and location recognition and source memory tasks where they were asked about which locations belonged to the objects and which objects to the locations. The data revealed difficulty for ASD individuals in actively retrieving object locations (explicit memory) but not in subconsciously remembering them (implicit memory). These difficulties cannot be explained by difficulties in memory for objects or locations per se (i.e., the difficulty pertains to object-location relations). Together these observations lend further support to the idea that ASD is characterised by relatively circumscribed difficulties in relational rather than item-specific memory processes and show that these difficulties extend to the domain of spatial information. They also lend further support to the idea that memory difficulties in ASD can be reduced when support is provided at test. © 2015 International Society for Autism Research, Wiley Periodicals, Inc.

17 CFR 240.3a5-3 - Exemption from the definition of “dealer” for banks engaging in securities lending transactions.

Code of Federal Regulations, 2010 CFR

2010-04-01

..., corporate action, recordkeeping or other services incidental to the administration of the securities lending... 17 Commodity and Securities Exchanges 3 2010-04-01 2010-04-01 false Exemption from the definition of âdealerâ for banks engaging in securities lending transactions. 240.3a5-3 Section 240.3a5-3...

17 CFR 240.3a5-3 - Exemption from the definition of “dealer” for banks engaging in securities lending transactions.

Code of Federal Regulations, 2011 CFR

2011-04-01

..., corporate action, recordkeeping or other services incidental to the administration of the securities lending... 17 Commodity and Securities Exchanges 3 2011-04-01 2011-04-01 false Exemption from the definition of âdealerâ for banks engaging in securities lending transactions. 240.3a5-3 Section 240.3a5-3...

17 CFR 240.3a5-3 - Exemption from the definition of “dealer” for banks engaging in securities lending transactions.

Code of Federal Regulations, 2013 CFR

2013-04-01

..., corporate action, recordkeeping or other services incidental to the administration of the securities lending... 17 Commodity and Securities Exchanges 3 2013-04-01 2013-04-01 false Exemption from the definition of âdealerâ for banks engaging in securities lending transactions. 240.3a5-3 Section 240.3a5-3...

17 CFR 240.3a5-3 - Exemption from the definition of “dealer” for banks engaging in securities lending transactions.

Code of Federal Regulations, 2012 CFR

2012-04-01

..., corporate action, recordkeeping or other services incidental to the administration of the securities lending... 17 Commodity and Securities Exchanges 3 2012-04-01 2012-04-01 false Exemption from the definition of âdealerâ for banks engaging in securities lending transactions. 240.3a5-3 Section 240.3a5-3...

17 CFR 240.3a5-3 - Exemption from the definition of “dealer” for banks engaging in securities lending transactions.

Code of Federal Regulations, 2014 CFR

2014-04-01

..., corporate action, recordkeeping or other services incidental to the administration of the securities lending... 17 Commodity and Securities Exchanges 4 2014-04-01 2014-04-01 false Exemption from the definition of âdealerâ for banks engaging in securities lending transactions. 240.3a5-3 Section 240.3a5-3...

17 CFR 240.13k-1 - Foreign bank exemption from the insider lending prohibition under section 13(k).

Code of Federal Regulations, 2010 CFR

2010-04-01

... 17 Commodity and Securities Exchanges 3 2010-04-01 2010-04-01 false Foreign bank exemption from the insider lending prohibition under section 13(k). 240.13k-1 Section 240.13k-1 Commodity and....13k-1 Foreign bank exemption from the insider lending prohibition under section 13(k). (a) For the...

Electrophysiological evidence for phenomenal consciousness.

PubMed

Revonsuo, Antti; Koivisto, Mika

2010-09-01

Abstract Recent evidence from event-related brain potentials (ERPs) lends support to two central theses in Lamme's theory. The earliest ERP correlate of visual consciousness appears over posterior visual cortex around 100-200 ms after stimulus onset. Its scalp topography and time window are consistent with recurrent processing in the visual cortex. This electrophysiological correlate of visual consciousness is mostly independent of later ERPs reflecting selective attention and working memory functions. Overall, the ERP evidence supports the view that phenomenal consciousness of a visual stimulus emerges earlier than access consciousness, and that attention and awareness are served by distinct neural processes.

Insolation Effects on Lunar Hydrogen: Observation from the LRO LEND and LOLA Instruments

NASA Technical Reports Server (NTRS)

McClanahan, T. P.; Mitrofanov, I. G.; Boynton, W. V.; Chin, G.; Droege, G.; Evans, L. G.; Garvin, J.; Harshman, K.; Livak, M. M.; Malakhov, A.;

Perceived causal relations between anxiety, posttraumatic stress and depression: extension to moderation, mediation, and network analysis.

PubMed

Frewen, Paul A; Schmittmann, Verena D; Bringmann, Laura F; Borsboom, Denny

2013-01-01

Previous research demonstrates that posttraumatic memory reexperiencing, depression, anxiety, and guilt-shame are frequently co-occurring problems that may be causally related. The present study utilized Perceived Causal Relations (PCR) scaling in order to assess participants' own attributions concerning whether and to what degree these co-occurring problems may be causally interrelated. 288 young adults rated the frequency and respective PCR scores associating their symptoms of posttraumatic reexperiencing, depression, anxiety, and guilt-shame. PCR scores were found to moderate associations between the frequency of posttraumatic memory reexperiencing, depression, anxiety, and guilt-shame. Network analyses showed that the number of feedback loops between PCR scores was positively associated with symptom frequencies. Results tentatively support the interpretation of PCR scores as moderators of the association between different psychological problems, and lend support to the hypothesis that increased symptom frequencies are observed in the presence of an increased number of causal feedback loops between symptoms. Additionally, a perceived causal role for the reexperiencing of traumatic memories in exacerbating emotional disturbance was identified.

Effect of footwear on minimum foot clearance, heel slippage and spatiotemporal measures of gait in older women.

PubMed

Davis, Annette M; Galna, Brook; Murphy, Anna T; Williams, Cylie M; Haines, Terry P

2016-02-01

Footwear has been implicated as a factor in falls, which is a major issue affecting the health of older adults. This study investigated the effect of footwear with dorsal fixation, slippers and bare feet on minimum foot clearance, heel slippage and spatiotemporal variables of gait in community dwelling older women. Thirty women participated (mean age (SD) 69.1 (5.1) years) in a gait assessment using the GaitRITE and Vicon 612 motion analysis system. Conditions included footwear with dorsal fixation, slippers or bare feet. Footwear with dorsal fixation resulted in improved minimum foot clearance compared to the slippers and bare feet conditions and less heel slippage than slippers and an increase in double support. These features lend weight to the argument that older women should be supported to make footwear choices with optimal fitting features including dorsal fixation. Recommendations of particular styles and features of footwear may assist during falls prevention education to reduce the incidence of foot trips and falls. Copyright © 2015 Elsevier B.V. All rights reserved.

Conformational analysis of (1. -->. 4)-. beta. -D-mannan triacetate

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

Deslandes, Y.; Marchessault, R.H.; Bluhm, T.L.

1983-01-01

In wood, algae, and tubers, glucomannans have varying mannose-to-glucose ratios (M/G). Since diffraction on glucomannans of widely varying M/G do not show significant change in unit-cell base plane dimensions, the authors have suggested that isomorphous replacement may occur in glucomannans. To further investigate this point, it has been undertaken conformational analysis of glucomannan triacetate in which the X-ray fiber diagram suggests that two nonequivalent residues make up the asymmetric unit. X-ray fiber diagrams of the triacetate of glucomannan from Tubera salep show twofold symmetry along the chain axis with a fiber repeat of 1.6 nm. This implies that the asymmetricmore » unit is composed of two pyranose rings since the virtual bond length of a single pyranose ring cannot be greater than approximately 0.54 nm. By using empirical potential functions, it could be shown that the minimum internal energy of a mannan triacetate chain corresponds to a state where contiguous mannose triacetate units are not conformationally equivalent. This supports the hypothesis of mannobiose hexaacetate as the asymmetric unit. Furthermore, introduction of glucose triacetate into the backbone did not change the minimum energy conformation, thereby lending support to the isomorphous replacement concept in crystalline glucomannans. 19 references, 13 figures, 2 tables.« less

THE ETIOLOGY OF ACUTE UPPER RESPIRATORY INFECTION (COMMON COLD)

PubMed Central

Long, Perrin H.; Doull, James A.; Bourn, Janet M.; McComb, Emily

1931-01-01

Experimental upper respiratory infections similar to "common colds" were transmitted singly and in series through two and four passages in nine out of fifteen persons, by intransal inoculations with bacteria-free filtrates of nasopharyngeal washings obtained from individuals ill with natural "colds." These observations conform with those reported by previous workers and lend further support to the view that the incitant of the "common cold" is a filtrable virus. PMID:19869857

Developmental parallels in understanding minds and bodies.

PubMed

Leslie, Alan M

2005-10-01

A recent article by Onishi and Baillargeon presents evidence that 15-month-old infants attribute false beliefs (FBs) to other people. If correct, it lends dramatic new support to the idea that mental state concepts ("theory of mind") emerge from a specialized neurocognitive mechanism that matures during the second year of life. But it also raises new puzzles concerning the FB task--puzzles that have intriguing parallels in results from infants' reasoning about solid bodies.

Love, Melvin and Walheim in the A/L prior to EVA 3

NASA Image and Video Library

2008-02-15

S122-E-008896 (15 Feb. 2008) --- Astronaut Leland Melvin, STS-122 mission specialist, lends his intravehicular support to the two STS-122 mission specialists assigned to the mission's final spacewalk to perform work on the International Space Station. Equipped with their extravehicular mobility units (EMU) and other gear and just about ready to egress the station and begin the day's external tasks are astronauts Stanley Love (left) and Rex Walheim.

Love, Poindexter and Walheim in the A/L prior to EVA 3

NASA Image and Video Library

2008-02-15

S122-E-008894 (15 Feb. 2008) --- Astronaut Alan Poindexter, STS-122 pilot, lends his intravehicular support to the two STS-122 mission specialists assigned to the mission's final spacewalk to perform work on the International Space Station. Equipped with their extravehicular mobility units (EMU) and other gear and just about ready to egress the station and begin the day's external tasks are astronauts Stanley Love (left) and Rex Walheim.

Do microfinance programs help families insure consumption against illness?

PubMed

Gertler, Paul; Levine, David I; Moretti, Enrico

2009-03-01

Families in developing countries face enormous financial risks from major illness both in terms of the cost of medical care and the loss in income associated with reduced labor supply and productivity. We test whether access to microfinancial savings and lending institutions helps Indonesian families smooth consumption after declines in adult health. In general, results support the importance of these institutions in helping families to self-insure consumption against health shocks.

17 CFR 240.13k-1 - Foreign bank exemption from the insider lending prohibition under section 13(k).

Code of Federal Regulations, 2013 CFR

2013-04-01

... the insider lending prohibition under section 13(k). 240.13k-1 Section 240.13k-1 Commodity and....13k-1 Foreign bank exemption from the insider lending prohibition under section 13(k). (a) For the...(k) of the Act (15 U.S.C. 78m(k)) with respect to any such loan made by the foreign bank as long as...

17 CFR 240.13k-1 - Foreign bank exemption from the insider lending prohibition under section 13(k).

Code of Federal Regulations, 2012 CFR

2012-04-01

... the insider lending prohibition under section 13(k). 240.13k-1 Section 240.13k-1 Commodity and....13k-1 Foreign bank exemption from the insider lending prohibition under section 13(k). (a) For the...(k) of the Act (15 U.S.C. 78m(k)) with respect to any such loan made by the foreign bank as long as...

17 CFR 240.13k-1 - Foreign bank exemption from the insider lending prohibition under section 13(k).

Code of Federal Regulations, 2011 CFR

2011-04-01

... the insider lending prohibition under section 13(k). 240.13k-1 Section 240.13k-1 Commodity and....13k-1 Foreign bank exemption from the insider lending prohibition under section 13(k). (a) For the...(k) of the Act (15 U.S.C. 78m(k)) with respect to any such loan made by the foreign bank as long as...

A variational principle for compressible fluid mechanics: Discussion of the multi-dimensional theory

NASA Technical Reports Server (NTRS)

Prozan, R. J.

1982-01-01

The variational principle for compressible fluid mechanics previously introduced is extended to two dimensional flow. The analysis is stable, exactly conservative, adaptable to coarse or fine grids, and very fast. Solutions for two dimensional problems are included. The excellent behavior and results lend further credence to the variational concept and its applicability to the numerical analysis of complex flow fields.

Computer-Aided Design/Manufacturing (CAD/M) for High-Speed Interconnect.

DTIC Science & Technology

1981-10-01

are frequency sensitive and hence lend themselves to frequency domain ananlysis . Most of the classical microwave analysis is handled in the frequency ...capability integrated into a time-domain analysis program. This approach allows determination of frequency -dependent transmission line (interconnect...the items to consider in any interconnect study is that of the frequency range of interest. This determines whether the interconnections must be treated

Show & Tell: A Video Column / Don't Just Gather Data--Use It

ERIC Educational Resources Information Center

Fisher, Doug; Frey, Nancy

2015-01-01

Schools are awash in data, and teachers are being asked to gather data in a myriad of high-tech and low-tech ways. But gathering is not analyzing, and without analysis there is little reason to gather the data in the first place. Teachers need data-collection systems that lend themselves to rapid analysis and action. This article presents several…

The magnetisation distribution of the Ising model - a new approach

NASA Astrophysics Data System (ADS)

Hakan Lundow, Per; Rosengren, Anders

2010-03-01

A completely new approach to the Ising model in 1 to 5 dimensions is developed. We employ a generalisation of the binomial coefficients to describe the magnetisation distributions of the Ising model. For the complete graph this distribution is exact. For simple lattices of dimensions d=1 and d=5 the magnetisation distributions are remarkably well-fitted by the generalized binomial distributions. For d=4 we are only slightly less successful, while for d=2,3 we see some deviations (with exceptions!) between the generalized binomial and the Ising distribution. The results speak in favour of the generalized binomial distribution's correctness regarding their general behaviour in comparison to the Ising model. A theoretical analysis of the distribution's moments also lends support their being correct asymptotically, including the logarithmic corrections in d=4. The full extent to which they correctly model the Ising distribution, and for which graph families, is not settled though.

Impact of a collaborative interprofessional learning experience upon medical and social work students in geriatric health care.

PubMed

Gould, Paul Robert; Lee, Youjung; Berkowitz, Shawn; Bronstein, Laura

2015-01-01

Interprofessional collaborative practice is increasingly recognized as an essential model in health care. This study lends preliminary support to the notion that medical students (including residents) and social work students develop a broader understanding of one another's roles and contributions to enhancing community-dwelling geriatric patients' health, and develop a more thorough understanding of the inherent complexities and unique aspects of geriatric health care. Wilcoxon Signed Rank Tests of participants' scores on the Index of Interdisciplinary Collaboration (IIC) indicated the training made significant changes to the students' perception of interprofessional collaboration. Qualitative analysis of participants' statements illustrated (1) benefits of the IPE experience, including complementary roles in holistic interventions; and (2) challenges to collaboration. The findings suggest that interprofessional educational experiences have a positive impact upon students' learning and strategies for enhanced care of geriatric patients.

The Effect of Exposure to Ultraviolet Radiation in Infancy on Melanoma Risk.

PubMed

Gefeller, Olaf; Fiessler, Cornelia; Radespiel-Tröger, Martin; Uter, Wolfgang; Pfahlberg, Annette B

2016-01-01

Evidence on the effect of ultraviolet radiation (UVR) exposure in infancy on melanoma risk in later life is scarce. Three recent studies suffering from methodological shortcomings suggested that people born in spring carry a higher melanoma risk. Data from the Bavarian population-based cancer registry on 28374 incident melanoma cases between 2002 and 2012 were analyzed to reexamine this finding. Crude and adjusted analyses - using negative binomial regression models - were performed addressing the relationship. In the crude analysis, the birth months March - May were significantly overrepresented among melanoma cases. However, after additionally adjusting for the birth month distribution of the Bavarian population, the ostensible seasonal effect disappeared. Similar results emerged in all subgroup analyses. Our large registry-based study provides no evidence that people born in spring carry a higher risk for developing melanoma in later life and thus lends no support to the hypothesis of higher UVR-susceptibility during the first months of life.

Land ownership and technology adoption revisited: Improved maize varieties in Ethiopia.

PubMed

Zeng, Di; Alwang, Jeffrey; Norton, George; Jaleta, Moti; Shiferaw, Bekele; Yirga, Chilot

2018-03-01

The lack of land ownership can discourage agricultural technology adoption, yet there is scarce evidence of the impact of land rental contracts on the adoption of improved crop varieties in developing countries. The current study investigates such impact using a nationally representative survey of Ethiopian maize farmers. In contrast to many previous studies, we show in a simple model that cash-renters are as likely to adopt improved maize varieties as owner-operators, while sharecroppers are more likely to adopt given that such varieties are profitable. Empirical analysis reveals a significant impact of sharecropping on improved maize variety adoption, and no significant impact from cash-rental, lending support to the above hypotheses. These results imply that improvements in land rental markets can potentially enhance household welfare through crop variety adoption in agrarian economies where land sales markets are incomplete or missing.

Siliceous spicules in a vauxiid sponge (Demospongia) from the Kaili Biota(Cambrian Stage 5), Guizhou, South China

PubMed Central

Yang, X.-L.; Zhao, Y.-L.; Babcock, L. E.; Peng, J.

2017-01-01

Fossils of the sponge Angulosuspongia sinensis from calcareous mudstones of the middle and upper part of the Kaili Formation (Cambrian Stage 5) in the Jianhe area of Guizhou province, South China, exhibit an apparently reticulate pattern, characteristic of the Vauxiidae. Energy Dispersive X-Ray Spectrometry (EDS) and Raman spectroscopy analysis indicate the presence of silica in the skeletal elements of these fossils, suggesting that this taxon possessed a skeleton comprised of spicules. This is the first confirmation of siliceous skeletal elements in fossils of the family Vauxiidae, and it lends support to the hypothesis that some early demosponges possessed biomineralized siliceous skeletons, which were subsequently lost and replaced by spongin later in the evolutionary history of this lineage. The new materials provide critical insight into the phylogeny and evolution of biomineralization in the Demosopongiae. PMID:28220860

Electrical properties of lanthanum chromite based ceramics in hydrogen and oxidizing atmospheres at high temperatures

NASA Astrophysics Data System (ADS)

Schmidt, V. H.

1981-06-01

Several results regarding the effect of hydrogen on lanthanum chromite were determined. Thermally-activated diffusion of hydrogen through La(Mg)CrO3 was found with a high activation energy. It was found that its electrical conductivity drops drastically, especially at low temperature, after exposure to hydrogen at high temperature. Also, the curvature of most of the conductivity plots, as well as the inability to observe the Hall effect, lends support to the proposal by Karim and Aldred that the small-polaron model which predicts thermally activated mobility is applicable to doped lanthanum chromite. From differential thermal analysis, an apparent absorption of hydrogen near 3000 C was noticed. Upon cooling the lanthanum chromite in hydrogen and subsequently reheating it in air, desorption occurred near 1700 C. The immediate purpose of this study was to determine whether hydrogen has a deleterious effect on lanthanum chromite in solid oxide fuel cells.

The effect of distance to provider on employee response to changes in mental health benefits.

PubMed

Lindrooth, Richard C; Lo Sasso, Anthony T; Lurie, Ithai Z

2006-10-01

We assess whether distance to provider moderates the effect of a change in mental health benefits on treatment initiation of employees of a large US-based company for psychiatric disorders. Mental health treatment administrative claims data plus eligibility information provided by a Fortune 50 company for the years 1995-1998 are used for the analysis. The effect of distance is measured using the relative effect of the initiative on residents living far from providers compared to those living close to providers. We model the probability of treatment initiation using a random effects logit specification. We find that the effect of distance to provider has the potential to over-shadow other incentives to initiate treatment, especially at distances greater than 4 miles. These results lend further support to the notion that geographic dispersion of providers should be an important consideration when forming a selective contracting network. Copyright (c) 2006 John Wiley & Sons, Ltd.

Assessing Intimate Relationships of Chinese Couples in Taiwan Using the Marital Satisfaction Inventory-Revised.

PubMed

Lou, Yu-Chiung; Lin, Chien-Heng; Chen, Chien-Min; Balderrama-Durbin, Christina; Snyder, Douglas K

2016-06-01

The current study examined the psychometric characteristics of the Chinese translation of the Marital Satisfaction Inventory-Revised (MSI-R) in a community sample of 117 couples from Taiwan. The Chinese MSI-R demonstrated moderate to strong internal consistency. Confirmatory factor analysis revealed similar scale factor structures in the Taiwanese and U.S. standardization samples. Mean profile comparisons between the current Taiwanese sample and the original MSI-R standardization sample revealed statistically significant but small differences on several subscales. Overall, the psychometric characteristics of the Chinese MSI-R lend support to its use with couples from diverse cultural backgrounds whose sole or preferred language is Chinese. It may also be appropriate to use the MSI-R in clinical settings for prevention or intervention efforts directed at Chinese-speaking couples. The implications of these findings for clinical and research purposes are discussed. © The Author(s) 2015.

An infanticide attempt by a free-roaming feral stallion (Equus caballus)

PubMed Central

Gray, Meeghan E.

2008-01-01

Infanticide by adult males occurs in a variety of species. While infanticidal attacks have been documented in several equid species in captivity, it has never been witnessed in free-roaming feral horses. I report an infanticide attempt by a free-living feral stallion on a recently born female foal. The stallion picked up the foal by the shoulders, tossed it around twice and bit in on the neck several times. The dam of the foal charged the stallion and successfully protected her foal from additional attacks. The foal survived the attack and later weaned successfully. The stallion recently took over the band and was excluded as the sire through genetic analysis. While this type of attack is rare, this case lends support to the sexual selection hypothesis and further demonstrates that equids have evolved with the risk of infanticide. Furthermore, it shows that maternal protectiveness can be successful against attacks by infanticidal males. PMID:19019779

76 FR 79767 - Truth in Lending (Regulation Z)

Federal Register 2010, 2011, 2012, 2013, 2014

2011-12-22

... analysis of potential benefits, costs, and impacts.\\14\\ The Bureau believes that the interim final rule... obligations on consumers or covered persons and is not expected to have any impact on consumers' access to... potential reduction of access by consumers to consumer financial products or services; the impact on...

Structuring Program Analysis for Educational Research.

ERIC Educational Resources Information Center

Levine, Donald M.

Education is too complex, multidimensional, and poorly understood to lend itself to a single cost/effectiveness criterion. Rather, analysts in the educational field seek to rank alternatives by their effectiveness, report separately on the cost implications, and leave the tradeoffs to the decisionmaker's judgment. In this context, a program is any…

The intersection of medical debt and predatory lending among hispanics.

PubMed

Gray, Karen A; Villegas, Susy

2012-01-01

This pilot study explored the link between predatory lending and health care debt among Hispanics. Research shows that links exist between health care costs, debt, poverty, and race ( Draught & Silva, 2003 ; Zeldin & Rukavina, 2007 ). Prior to this study there was no research on the intersection between medical debt and predatory lending although there was reason to believe this link exists ( Seifert, 2004 ). Our results confirm this link and we propose means to break it.

Correlation of LEND and Diviner Data

NASA Technical Reports Server (NTRS)

McClanahan, Tim; Boynton, William; Mitrofanov, Igor; Sagdeev, Raold; Bennet, Kristen; Starr, Richard; Evans, Larry; Paige, Dave; Sanin, Anton; Litvak, Max;

Force That Increases at Larger Distance Has Some Psychological and Astronomical Evidence Supporting its Existence

NASA Astrophysics Data System (ADS)

Struck, James

2011-09-01

Force that Increases with distance is different than dark energy as I am arguing for existence of force based on psychological and astronomical bases. Hubble shift, doppler shift, comet return, quasar zoo and quasars and psychological evidence of interest in distant objects lends support to a force like gravity, nuclear, weak, strong, virtual, decay, biological, growth forces which increases its intensity with distance unlike gravity which decreases in intensity with distance. Jane Frances Back Struck contributed to this finding with her request that her grandparents have "perfect justice" even though her grandparents had died before she was born; interest increasing with distance from grandparents.

New spatially continuous indices of redlining and racial bias in mortgage lending: links to survival after breast cancer diagnosis and implications for health disparities research.

PubMed

Beyer, Kirsten M M; Zhou, Yuhong; Matthews, Kevin; Bemanian, Amin; Laud, Purushottam W; Nattinger, Ann B

2016-07-01

Racial health disparities continue to be a serious problem in the United States and have been linked to contextual factors, including racial segregation. In some cases, including breast cancer survival, racial disparities appear to be worsening. Using the Home Mortgage Disclosure Act (HMDA) database, we extend current spatial analysis methodology to derive new, spatially continuous indices of (1) racial bias in mortgage lending and (2) redlining. We then examine spatial patterns of these indices and the association between these new measures and breast cancer survival among Black/African American women in the Milwaukee, Wisconsin metropolitan area. These new measures can be used to examine relationships between mortgage discrimination and patterns of disease throughout the United States. Copyright © 2016 Elsevier Ltd. All rights reserved.

Report on Predatory Lending Practices Directed at Members of the Armed Forces and Their Dependents

DTIC Science & Technology

2006-08-09

implemented by the Military Services that may have particular impact on predatory lending is “Military Saves,” which is a social marketing campaign to...Around Military Communities 10 4 Education Programs 23 5 Strategies and Practices to Reduce the Prevalence and Impact of Predatory Lending 28 6...57 3 Survey on Internet Payday Loan and Installment Lenders 63 4 DoD Strategy for Personal Finance 68 5 Leadership Messages 82 iii iv 1

Potential Cost Savings Associated with a Reduction of Stress Fractures among US Army Basic Trainees

DTIC Science & Technology

1984-07-01

results. 6 The concept of sufficient rest lends support to Scully and Worthen, who suggest incorporating rest periods in the training 14 regimen as a...of stress reactions. In these cases, physical stature apparently 9 had more impact than physical conditioning. The concept of developing criteria...to meet the minimum standard, he/she would be separated. A variation of the corrective conditioning concept has been instituted at Fort Knox. Project

For-profit hospital finds it can't beat City Hall--that is, the financing deal offered by the city.

PubMed

Nemes, J

1992-02-24

American International Hospital in Zion, Ill., doesn't lack support from city hall. In an unusual transaction for an investor-owned hospital, the city recently sold $20 million in taxable debt for the purpose of lending the proceeds to the hospital to help finance a replacement facility. The deal saved the hospital, the area's largest employer, as much as 2.5 percentage points on the interest rate.

Small Nation, Big Difference: How the Norwegian Armed Forces Should Conduct Counterinsurgency Operations

DTIC Science & Technology

2009-06-01

of the population naturally lend themselves to the systematic use of public affairs and local proxy sources and channels for conveying messages . It...counterinsurgents with regards to the use of information operations? 3. What is the process of nation-building, and what are the roles of the different...conveying a message to the population. It follows that information operations not only can be used effectively in support of other operations, but

Furious Frederich: Nietzsche's neurosyphilis diagnosis and new hypotheses.

PubMed

André, Charles; Rios, André Rangel

2015-12-01

The causes of Friedrich Nietzsche's mental breakdown in early 1889 and of the subsequent slow decay to end-stage dementia along ten years will possibly remain open to debate. The diagnosis of syphilitic dementia paralytica, based only on medical anamnesis and physical examination, was considered indisputable by Otto Binswanger. On the other hand, taking into account recently described diseases, selectively collected evidence lend some support to alternative hypotheses: basal forebrain meningioma, CADASIL, MELAS and frontotemporal dementia.

Routes to failure: analysis of 41 civil aviation accidents from the Republic of China using the human factors analysis and classification system.

PubMed

Li, Wen-Chin; Harris, Don; Yu, Chung-San

2008-03-01

The human factors analysis and classification system (HFACS) is based upon Reason's organizational model of human error. HFACS was developed as an analytical framework for the investigation of the role of human error in aviation accidents, however, there is little empirical work formally describing the relationship between the components in the model. This research analyses 41 civil aviation accidents occurring to aircraft registered in the Republic of China (ROC) between 1999 and 2006 using the HFACS framework. The results show statistically significant relationships between errors at the operational level and organizational inadequacies at both the immediately adjacent level (preconditions for unsafe acts) and higher levels in the organization (unsafe supervision and organizational influences). The pattern of the 'routes to failure' observed in the data from this analysis of civil aircraft accidents show great similarities to that observed in the analysis of military accidents. This research lends further support to Reason's model that suggests that active failures are promoted by latent conditions in the organization. Statistical relationships linking fallible decisions in upper management levels were found to directly affect supervisory practices, thereby creating the psychological preconditions for unsafe acts and hence indirectly impairing the performance of pilots, ultimately leading to accidents.

75 FR 9093 - Extensions of Credit by Federal Reserve Banks

Federal Register 2010, 2011, 2012, 2013, 2014

2010-03-01

... discussed below are intended as a further normalization of the Federal Reserve's lending facilities. The... normalization of the Federal Reserve's lending facilities in light of continued improvement in financial market...

PCAN: phenotype consensus analysis to support disease-gene association.

PubMed

Godard, Patrice; Page, Matthew

2016-12-07

Bridging genotype and phenotype is a fundamental biomedical challenge that underlies more effective target discovery and patient-tailored therapy. Approaches that can flexibly and intuitively, integrate known gene-phenotype associations in the context of molecular signaling networks are vital to effectively prioritize and biologically interpret genes underlying disease traits of interest. We describe Phenotype Consensus Analysis (PCAN); a method to assess the consensus semantic similarity of phenotypes in a candidate gene's signaling neighborhood. We demonstrate that significant phenotype consensus (p < 0.05) is observable for ~67% of 4,549 OMIM disease-gene associations, using a combination of high quality String interactions + Metabase pathways and use Joubert Syndrome to demonstrate the ease with which a significant result can be interrogated to highlight discriminatory traits linked to mechanistically related genes. We advocate phenotype consensus as an intuitive and versatile method to aid disease-gene association, which naturally lends itself to the mechanistic deconvolution of diverse phenotypes. We provide PCAN to the community as an R package ( http://bioconductor.org/packages/PCAN/ ) to allow flexible configuration, extension and standalone use or integration to supplement existing gene prioritization workflows.

Limited mitogenomic degradation in response to a parasitic lifestyle in Orobanchaceae

PubMed Central

Fan, Weishu; Zhu, Andan; Kozaczek, Melisa; Shah, Neethu; Pabón-Mora, Natalia; González, Favio; Mower, Jeffrey P.

2016-01-01

In parasitic plants, the reduction in plastid genome (plastome) size and content is driven predominantly by the loss of photosynthetic genes. The first completed mitochondrial genomes (mitogenomes) from parasitic mistletoes also exhibit significant degradation, but the generality of this observation for other parasitic plants is unclear. We sequenced the complete mitogenome and plastome of the hemiparasite Castilleja paramensis (Orobanchaceae) and compared them with additional holoparasitic, hemiparasitic and nonparasitic species from Orobanchaceae. Comparative mitogenomic analysis revealed minimal gene loss among the seven Orobanchaceae species, indicating the retention of typical mitochondrial function among Orobanchaceae species. Phylogenetic analysis demonstrated that the mobile cox1 intron was acquired vertically from a nonparasitic ancestor, arguing against a role for Orobanchaceae parasites in the horizontal acquisition or distribution of this intron. The C. paramensis plastome has retained nearly all genes except for the recent pseudogenization of four subunits of the NAD(P)H dehydrogenase complex, indicating a very early stage of plastome degradation. These results lend support to the notion that loss of ndh gene function is the first step of plastome degradation in the transition to a parasitic lifestyle. PMID:27808159

Comparative Analysis of Thaumatin Crystals Grown on Earth and in Microgravity. Experiment 23

NASA Technical Reports Server (NTRS)

Ng, Joseph D.; Lorber, Bernard; Giege, Richard; Koszelak, Stanley; Day, John; Greenwood, Aaron; McPherson, Alexander

1998-01-01

The protein thaumatin was studied as a model macromolecule for crystallization in microgravity environment experiments conducted on two U.S. Space Shuttle missions (second United States Microgravity Laboratory (USML-2) and Life and Microgravity Spacelab (LMS)). In this investigation we evaluated and compared the quality of space- and Earth-grown thaumatin crystals using x-ray diffraction analysis and characterized them according to crystal size, diffraction resolution limit, and mosaicity. Two different approaches for growing thaumatin crystals in the microgravity environment, dialysis and liquid-liquid diffusion, were employed as a joint experiment by our two investigative teams. Thaumatin crystals grown under a microgravity environment were generally larger in volume with fewer total crystals. They diffracted to significantly higher resolution and with improved diffraction properties as judged by relative Wilson plots. The mosaicity for space-grown crystals was significantly less than for those grown on Earth. Increasing concentrations of protein in the crystallization chambers under microgravity lead to larger crystals. The data presented here lend further support to the idea that protein crystals of improved quality can be obtained in a microgravity environment.

Action control and situational risks in the prevention of HIV and STIs: individual, dyadic, and social influences on consistent condom use in a university population.

PubMed

Svenson, Gary R; Ostergren, Per-Olof; Merlo, Juan; Råstam, Lennart

2002-12-01

The aim of this study was to gain an understanding of consistent condom use. We took the perspective that condom use involves the ability to handle situational risks influenced at multiple levels, including the individual, dyadic, and social. The hypothesis was that action control, as measured by self-regulation, implementation intentions, and self-efficacy, was the primary determinant. The study was conducted at part of a community-based intervention at a major university (36,000 students). Data was collected using a validated questionnaire mailed to a random sample of students (n = 493, response rate = 71.5%). Statistical analysis included logistic regression models that successively included background, individual, dyadic, and social variables. In the final model, consistent condom use was higher among students with strong implementation intentions, high self-regulation and positive peer norms. The results contribute new knowledge on action control in predicting sexual risk behaviors and lends support to the conceptualization and analysis of HIV/sexually transmitted infection prevention at multiple levels of influence.

Non-linear scale interactions in a forced turbulent boundary layer

NASA Astrophysics Data System (ADS)

Duvvuri, Subrahmanyam; McKeon, Beverley

2015-11-01

A strong phase-organizing influence exerted by a single synthetic large-scale spatio-temporal mode on directly-coupled (through triadic interactions) small scales in a turbulent boundary layer forced by a spatially-impulsive dynamic wall-roughness patch was previously demonstrated by the authors (J. Fluid Mech. 2015, vol. 767, R4). The experimental set-up was later enhanced to allow for simultaneous forcing of multiple scales in the flow. Results and analysis are presented from a new set of novel experiments where two distinct large scales are forced in the flow by a dynamic wall-roughness patch. The internal non-linear forcing of two other scales with triadic consistency to the artificially forced large scales, corresponding to sum and difference in wavenumbers, is dominated by the latter. This allows for a forcing-response (input-output) type analysis of the two triadic scales, and naturally lends itself to a resolvent operator based model (e.g. McKeon & Sharma, J. Fluid Mech. 2010, vol. 658, pp. 336-382) of the governing Navier-Stokes equations. The support of AFOSR (grant #FA 9550-12-1-0469, program manager D. Smith) is gratefully acknowledged.

78 FR 57058 - Federal Housing Administration (FHA) Approval of Lending Institutions and Mortgagees: Streamlined...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-09-17

... federal banking agencies and reduce the cost of participating in FHA programs by releasing small... retained earnings, a statement of cash flows, an analysis of the lender's or mortgagee's net worth adjusted...: Streamlined Reporting Requirements for Small Supervised Lenders and Mortgagees AGENCY: Office of the Assistant...

78 FR 23178 - Federal Housing Administration (FHA) Approval of Lending Institutions and Mortgagees: Streamlined...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-04-18

... in line with that of the federal banking agencies and, as discussed above, reduce the cost of... earnings, a statement of cash flows, an analysis of the mortgagee's net worth adjusted to reflect only...: Streamlined Reporting Requirements for Small Supervised Lenders and Mortgagees AGENCY: Office of the Assistant...

Gene expression in the tanoak-Phytophthora ramorum interaction

Treesearch

Katherine J. Hayden; Matteo Garbelotto; Hardeep Fai; Brian Knaus; Richard Cronn; Jessica W. Wright

2012-01-01

Disease processes are dynamic, involving a suite of gene expression changes in both the host and the pathogen, all within a single tissue. As such, they lend themselves well to transcriptomic analysis. Here we focus on a generalist invasive pathogen (Phytophthora ramorum) and its most susceptible California Floristic Province native host, tanoak (...

Neural Affective Mechanisms Predict Market-Level Microlending

PubMed Central

Genevsky, Alexander; Knutson, Brian

2015-01-01

Humans sometimes share with others whom they may never meet or know, in violation of the dictates of pure self-interest. Research has not established which neuropsychological mechanisms support lending decisions, nor whether their influence extends to markets involving significant financial incentives. In two studies, we found that neural affective mechanisms influence the success of requests for microloans. In a large Internet database of microloan requests (N = 13,500), we found that positive affective features of photographs promoted the success of those requests. We then established that neural activity (i.e., in the nucleus accumbens) and self-reported positive arousal in a neuroimaging sample (N = 28) predicted the success of loan requests on the Internet, above and beyond the effects of the neuroimaging sample’s own choices (i.e., to lend or not). These findings suggest that elicitation of positive arousal can promote the success of loan requests, both in the laboratory and on the Internet. They also highlight affective neuroscience’s potential to probe neuropsychological mechanisms that drive microlending, enhance the effectiveness of loan requests, and forecast market-level behavior. PMID:26187248

Adolescent religiosity and attitudes to HIV and AIDS in Ghana.

PubMed

Amoako-Agyeman, Kofi Nyame

2012-11-01

This study investigated the relationships between adolescent religiosity and attitudes to HIV/AIDS based on two major techniques of analysis, factor and regression analysis towards informing preventive school education strategies. Using cross-sectional data of 448 adolescents in junior high school, the study incorporated survey in a self-administered questionnaire and sought to identify underlying factors that affect pupils' responses, delineate the pattern of relationships between variables and select models which best explain and predict relationships among variables. A seven-factor solution described the 'attitude' construct including abstinence and protection, and six for 'religiosity'. The results showed relatively high levels of religiosity and a preference for private religiosity as opposed to organisational religiosity. The regression analysis produced significant relationships between factors of attitudes to HIV/AIDS and of religiosity. Adolescent with very high private religiosity are more likely to abstain from sex but less likely to use condoms once they initiate: protection is inversely related to religiosity. The findings suggest that religious-based adolescent interventions should focus on intrinsic religiosity. Additionally, increasing HIV prevention information and incorporating culturally relevant and socially acceptable values might lend support to improved adolescent school-based HIV/AIDS prevention programmes.

Testing the Impulsiveness of Solar Flare Heating through Analysis of Dynamic Atmospheric Response

NASA Astrophysics Data System (ADS)

Newton, E. K.; Emslie, A. G.; Mariska, J. T.

1996-03-01

One crucial test of a solar flare energy transport model is its ability to reproduce the characteristics of the atmospheric motions inferred from soft X-ray line spectra. Using a recently developed diagnostic, the velocity differential emission measure (VDEM), we can obtain from observations a physical measure of the amount of soft X-ray mitting plasma flowing at each velocity, v, and hence the total momentum of the upflowing plasma, without approximation or parametric fitting. We have correlated solar hard X-ray emission profiles by the Yohkoh Hard X-ray telescope with the mass and momentum histories inferred from soft X-ray line profiles observed by the Yohkoh Bragg crystal spectrometers. For suitably impulsive hard X-ray emission, an analysis of the hydrodynamic equations predicts a proportionality between the hard X-ray intensity and the second time derivative of the soft X-ray mitting plasma's momentum. This relationship is borne out by an analysis of 18 disk-center impulsive flares of varying durations, thereby lending support to the hypothesis that a prompt energy deposition mechanism, such as an energetic electron flux, is indeed responsible for the soft X-ray response observed in the rise phase of sufficiently impulsive solar flares.

76 FR 43111 - Regulation Z; Truth in Lending

Federal Register 2010, 2011, 2012, 2013, 2014

2011-07-20

... Congress enacted the Truth in Lending Act (TILA; 15 U.S.C. 1601 et seq.) based on findings that economic stability would be enhanced and competition among consumer credit providers would be strengthen by the...

Correlation between the outer flow and the turbulent production in a boundary layer

NASA Technical Reports Server (NTRS)

Cliff, W. C.; Sandborn, V. A.

1975-01-01

Space-time velocity correlation measurements between fluctuations occurring in the convoluting outer edge of a flat boundary layer with fluctuations occurring near the viscous subregion were made. The correlations indicate that information is propagated from the outer region to the inner region. The migration of turbulence away from the wall was previously studied in the open literature. The results presented here along with the migration results lend support to the limit cycle model for turbulence production.

Beyond localized and distributed accounts of brain functions. Comment on “Understanding brain networks and brain organization” by Pessoa

NASA Astrophysics Data System (ADS)

Cauda, Franco; Costa, Tommaso; Tamietto, Marco

2014-09-01

Recent evidence in cognitive neuroscience lends support to the idea that network models of brain architecture provide a privileged access to the understanding of the relation between brain organization and cognitive processes [1]. The core perspective holds that cognitive processes depend on the interactions among distributed neuronal populations and brain structures, and that the impact of a given region on behavior largely depends on its pattern of anatomical and functional connectivity [2,3].

The effect of changing land use on soil radiocarbon

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

Harrison, K.G.; Broecker, W.S.; Bonani, G.

Most carbon budgets require greening of the terrestrial biosphere as a sink for some of the excess carbon dioxide produced by fossil fuel burning and deforestation. Much of this storage is thought to occur in soils, but running counter to this conclusion is the observation that cultivation has reduced the agricultural reservoir of soil humus. Radiocarbon measurements in agricultural soils lend support to this browning of agricultural lands. Moreover, the loss is from the fast cycling portion of the humus.

EHS and FME Lend Their Expertise to NCI Campus Refurbishment Project | Poster

Cancer.gov

In October 2015, the NCI executive officer and the director of NCI’s Office of Space and Facilities Management (OSFM) announced a wide-ranging refurbishment plan for NCI at Frederick. Since then, a project team comprising members from the Office of Scientific Operations, the Management Operations Support Branch, OSFM, the Center for Cancer Research, the Environment, Health, and Safety (EHS) directorate, and the Facilities Maintenance and Engineering (FME) directorate have met regularly with the laboratory groups affected by the refurbishment plan. Read more...

Military Personnel: DOD’s Predatory Lending Report Addressed Mandated Issues, but Support Is Limited for Some Findings and Recommendations

DTIC Science & Technology

2007-08-31

effects of certain consumer loans that DOD identified as being predatory. In April 2005, we reported about problems servicemembers were...did not know the extent to which servicemembers were using consumer loans that DOD considered to be predatory, nor the effects of that usage.3 Our...servicemembers that DOD does not endorse the advertisers in installation newspapers and (2) make greater use of Armed Forces Disciplinary Control Boards which

Using electron irradiation to probe iron-based superconductors

NASA Astrophysics Data System (ADS)

Cho, Kyuil; Kończykowski, M.; Teknowijoyo, S.; Tanatar, M. A.; Prozorov, R.

2018-06-01

High-energy electron irradiation at low temperatures is an efficient and controlled way to create vacancy–interstitial Frenkel pairs in a crystal lattice, thereby inducing nonmagnetic point-like scattering centers. In combination with London penetration depth and resistivity measurements, the electron irradiation was used as a phase-sensitive probe to study the superconducting order parameter in iron-based superconductors (FeSCs), lending strong support to sign-changing s ± pairing. Here, we review the key results of the effect of electron irradiation in FeSCs.

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

Muecke, J.; Happle, R.; Theile, H.

Although it is true that MIDAS syndrome, Aicardi syndrome and Goltz syndrome show the same transmission, representing X-linked dominant traits with lethality of hemizygote male embryos, and have a number of anomalies such as defects of the eyes or brain in common, it should be noted that MIDAS syndrome and Goltz syndrome have so far never occurred as alternating phenotypes within the same family. In addition, the observation of MIDAS syndrome in a mother and her daughter lends additional support to the notion that this syndrome represents a distinct entity. 3 refs., 4 figs.

Analysis of truss, beam, frame, and membrane components. [composite structures

NASA Technical Reports Server (NTRS)

Knoell, A. C.; Robinson, E. Y.

1975-01-01

Truss components are considered, taking into account composite truss structures, truss analysis, column members, and truss joints. Beam components are discussed, giving attention to composite beams, laminated beams, and sandwich beams. Composite frame components and composite membrane components are examined. A description is given of examples of flat membrane components and examples of curved membrane elements. It is pointed out that composite structural design and analysis is a highly interactive, iterative procedure which does not lend itself readily to characterization by design or analysis function only.-

12 CFR 23.6 - Application of lending limits; restrictions on transactions with affiliates.

Code of Federal Regulations, 2011 CFR

2011-01-01

... THE TREASURY LEASING General Provisions § 23.6 Application of lending limits; restrictions on... of any nonrecourse debt the bank has incurred to finance the acquisition of the leased asset. [61 FR...

Validation of a motivation survey tool for pharmacy students: Exploring a link to professional identity development.

PubMed

Mylrea, Martina F; Sen Gupta, Tarun; Glass, Beverley D

2017-09-01

Self-determination theory (SDT), which describes a continuum of motivation regulators, is proposed as an appropriate framework to study pharmacy student motivation. The aim was to develop a Pharmacy Motivation Scale (Pharm-S) to determine motivation regulators in undergraduate students and explore a possible link to professional identity development. The Pharm-S was adapted from the SDT-based, Sports Motivation Scale (SMS-II), and administered to undergraduate students in an Australian pharmacy course. Convergent validity was assessed by conducting a correlation analysis between the Pharm-S and MacLeod Clark Professional Identity Scale (MCPIS-9). Face, content and construct validity were established for the Pharm-S through the analysis of 327 survey responses. Factor analysis extracted four of the six theoretical subscales as proposed by SDT (variance explained: 65.7%). Support for the SDT structure was confirmed by high factor loadings in each of the subscales and acceptable reliability coefficients. Subscale correlations revealed a simplex pattern, supporting the presence of a motivation continuum, as described by SDT. A moderate positive correlation (0.64) between Pharm-S responses and the validated professional identity instrument, MCPIS-9, indicated a possible link between levels of motivation and professional identity. and conclusions: Content and structural validity and internal consistency of the Pharm-S confirmed the reliability of the Pharm-S as a valid tool to assess motivational regulators. Pharm-S and the MCPIS-9 were positively correlated, lending support to a link between motivation and professional identity. This suggests a potential role for the Pharm-S as a valid tool to measure pharmacy student professional identity development. Crown Copyright © 2017. Published by Elsevier Inc. All rights reserved.

Investigating the nature of palladium chain-walking in the enantioselective redox-relay Heck reaction of alkenyl alcohols.

PubMed

Hilton, Margaret J; Xu, Li-Ping; Norrby, Per-Ola; Wu, Yun-Dong; Wiest, Olaf; Sigman, Matthew S

2014-12-19

The mechanism of the redox-relay Heck reaction was investigated using deuterium-labeled substrates. Results support a pathway through a low energy palladium-alkyl intermediate that immediately precedes product formation, ruling out a tautomerization mechanism. DFT calculations of the relevant transition structures at the M06/LAN2DZ+f/6-31+G* level of theory show that the former pathway is favored by 5.8 kcal/mol. Palladium chain-walking toward the alcohol, following successive β-hydride eliminations and migratory insertions, is also supported in this study. The stereochemistry of deuterium labels is determined, lending support that the catalyst remains bound to the substrate during the relay process and that both cis- and trans-alkenes form from β-hydride elimination.

Antarctic analogs as a testbed for regenerative life support technologies

NASA Technical Reports Server (NTRS)

Roberts, D. R.; Andersen, D. T.; Mckay, C. P.; Wharton, R. A., Jr.; Rummel, J. D.

1991-01-01

The feasibility of using Antarctica as a platform for creating earth-based simulations of regenerative life support systems (LSSs) for future space missions is discussed. The requirements for a bioregenerative LSS and the types of technologies that may be used in such a system are examined. Special attention is given to the objectives and the organization of the NASA's CELSS program for the development of regenerative LSSs to support long-duration human missions in space, largely independent of resupply, in a safe and reliable manner. There are two types of locations on the continent of Antarctica suitable for the placement of simulation facilities: the polar plateau and the ice-free dry valleys. The unique attributes that lend each type of location to very different functions as simulation facilities are discussed.

Parallel Evolution of Copy-Number Variation across Continents in Drosophila melanogaster

PubMed Central

Schrider, Daniel R.; Hahn, Matthew W.; Begun, David J.

2016-01-01

Genetic differentiation across populations that is maintained in the presence of gene flow is a hallmark of spatially varying selection. In Drosophila melanogaster, the latitudinal clines across the eastern coasts of Australia and North America appear to be examples of this type of selection, with recent studies showing that a substantial portion of the D. melanogaster genome exhibits allele frequency differentiation with respect to latitude on both continents. As of yet there has been no genome-wide examination of differentiated copy-number variants (CNVs) in these geographic regions, despite their potential importance for phenotypic variation in Drosophila and other taxa. Here, we present an analysis of geographic variation in CNVs in D. melanogaster. We also present the first genomic analysis of geographic variation for copy-number variation in the sister species, D. simulans, in order to investigate patterns of parallel evolution in these close relatives. In D. melanogaster we find hundreds of CNVs, many of which show parallel patterns of geographic variation on both continents, lending support to the idea that they are influenced by spatially varying selection. These findings support the idea that polymorphic CNVs contribute to local adaptation in D. melanogaster. In contrast, we find very few CNVs in D. simulans that are geographically differentiated in parallel on both continents, consistent with earlier work suggesting that clinal patterns are weaker in this species. PMID:26809315

Social Desirability Bias in Self-Reporting of Hearing Protector Use among Farm Operators

PubMed Central

McCullagh, Marjorie C.; Rosemberg, Marie-Anne

2015-01-01

Objective: The purposes of this study were (i) to examine the relationship between reported hearing protector use and social desirability bias, and (ii) to compare results of the Marlowe-Crowne social desirability instrument when administered using two different methods (i.e. online and by telephone). Methods: A shortened version of the Marlowe-Crowne social desirability instrument, as well as a self-administered instrument measuring use of hearing protectors, was administered to 497 participants in a study of hearing protector use. The relationship between hearing protector use and social desirability bias was examined using regression analysis. The results of two methods of administration of the Marlowe-Crowne social desirability instrument were compared using t-tests and regression analysis. Results: Reliability (using Cronbach’s alpha) for the shortened seven-item scale for this sample was 0.58. There was no evidence of a relationship between reported hearing protector use and social desirability reporting bias, as measured by the shortened Marlowe-Crowne. The difference in results by method of administration (i.e. online, telephone) was very small. Conclusions: This is the first published study to measure social desirability bias in reporting of hearing protector use among farmers. Findings of this study do not support the presence of social desirability bias in farmers’ reporting of hearing protector use, lending support for the validity of self-report in hearing protector use in this population. PMID:26209595

Validity of the Brunel Mood Scale for use With Malaysian Athletes.

PubMed

Lan, Mohamad Faizal; Lane, Andrew M; Roy, Jolly; Hanin, Nik Azma

2012-01-01

The aim of the present study was to investigate the factorial validity of the Brunel Mood Scale for use with Malaysian athletes. Athletes (N = 1485 athletes) competing at the Malaysian Games completed the Brunel of Mood Scale (BRUMS). Confirmatory Factor Analysis (CFA) results indicated a Confirmatory Fit Index (CFI) of .90 and Root Mean Squared Error of Approximation (RMSEA) was 0.05. The CFI was below the 0.95 criterion for acceptability and the RMSEA value was within the limits for acceptability suggested by Hu and Bentler, 1999. We suggest that results provide some support for validity of the BRUMS for use with Malaysian athletes. Given the large sample size used in the present study, descriptive statistics could be used as normative data for Malaysian athletes. Key pointsFindings from the present study lend support to the validity of the BRUMS for use with Malaysian athletes.Given the size of the sample used in the present study, we suggest descriptive data be used as the normative data for researchers using the scale with Malaysian athletes.It is suggested that future research investigate the effects of cultural differences on emotional states experienced by athletes before, during and post-competition.

Validity of the Brunel Mood Scale for use With Malaysian Athletes

PubMed Central

Lan, Mohamad Faizal; Lane, Andrew M.; Roy, Jolly; Hanin, Nik Azma

2012-01-01

The aim of the present study was to investigate the factorial validity of the Brunel Mood Scale for use with Malaysian athletes. Athletes (N = 1485 athletes) competing at the Malaysian Games completed the Brunel of Mood Scale (BRUMS). Confirmatory Factor Analysis (CFA) results indicated a Confirmatory Fit Index (CFI) of .90 and Root Mean Squared Error of Approximation (RMSEA) was 0.05. The CFI was below the 0.95 criterion for acceptability and the RMSEA value was within the limits for acceptability suggested by Hu and Bentler, 1999. We suggest that results provide some support for validity of the BRUMS for use with Malaysian athletes. Given the large sample size used in the present study, descriptive statistics could be used as normative data for Malaysian athletes. Key points Findings from the present study lend support to the validity of the BRUMS for use with Malaysian athletes. Given the size of the sample used in the present study, we suggest descriptive data be used as the normative data for researchers using the scale with Malaysian athletes. It is suggested that future research investigate the effects of cultural differences on emotional states experienced by athletes before, during and post-competition. PMID:24149128

Personality in general and clinical samples: Measurement invariance of the Multidimensional Personality Questionnaire.

PubMed

Eigenhuis, Annemarie; Kamphuis, Jan H; Noordhof, Arjen

2017-09-01

A growing body of research suggests that the same general dimensions can describe normal and pathological personality, but most of the supporting evidence is exploratory. We aim to determine in a confirmatory framework the extent to which responses on the Multidimensional Personality Questionnaire (MPQ) are identical across general and clinical samples. We tested the Dutch brief form of the MPQ (MPQ-BF-NL) for measurement invariance across a general population subsample (N = 365) and a clinical sample (N = 365), using Multiple Group Confirmatory Factor Analysis (MGCFA) and Multiple Group Exploratory Structural Equation Modeling (MGESEM). As an omnibus personality test, the MPQ-BF-NL revealed strict invariance, indicating absence of bias. Unidimensional per scale tests for measurement invariance revealed that 10% of items appeared to contain bias across samples. Item bias only affected the scale interpretation of Achievement, with individuals from the clinical sample more readily admitting to put high demands on themselves than individuals from the general sample, regardless of trait level. This formal test of equivalence provides strong evidence for the common structure of normal and pathological personality and lends further support to the clinical utility of the MPQ. (PsycINFO Database Record (c) 2017 APA, all rights reserved).

Effects of meal frequency on weight loss and body composition: a meta-analysis.

PubMed

Schoenfeld, Brad Jon; Aragon, Alan Albert; Krieger, James W

2015-02-01

It has been hypothesized that eating small, frequent meals enhances fat loss and helps to achieve better weight maintenance. Several observational studies lend support to this hypothesis, with an inverse relationship noted between the frequency of eating and adiposity. The purpose of this narrative review is to present and discuss a meta-analysis with regression that evaluated experimental research on meal frequency with respect to changes in fat mass and lean mass. A total of 15 studies were identified that investigated meal frequency in accordance with the criteria outlined. Feeding frequency was positively associated with reductions in fat mass and body fat percentage as well as an increase in fat-free mass. However, sensitivity analysis of the data showed that the positive findings were the product of a single study, casting doubt as to whether more frequent meals confer beneficial effects on body composition. In conclusion, although the initial results of this meta-analysis suggest a potential benefit of increased feeding frequencies for enhancing body composition, these findings need to be interpreted with circumspection. © The Author(s) 2015. Published by Oxford University Press on behalf of the International Life Sciences Institute. All rights reserved. For Permissions, please e-mail: journals.permissions@oup.com.

Bystander responses to a violent incident in an immersive virtual environment.

PubMed

Slater, Mel; Rovira, Aitor; Southern, Richard; Swapp, David; Zhang, Jian J; Campbell, Claire; Levine, Mark

2013-01-01

Under what conditions will a bystander intervene to try to stop a violent attack by one person on another? It is generally believed that the greater the size of the crowd of bystanders, the less the chance that any of them will intervene. A complementary model is that social identity is critical as an explanatory variable. For example, when the bystander shares common social identity with the victim the probability of intervention is enhanced, other things being equal. However, it is generally not possible to study such hypotheses experimentally for practical and ethical reasons. Here we show that an experiment that depicts a violent incident at life-size in immersive virtual reality lends support to the social identity explanation. 40 male supporters of Arsenal Football Club in England were recruited for a two-factor between-groups experiment: the victim was either an Arsenal supporter or not (in-group/out-group), and looked towards the participant for help or not during the confrontation. The response variables were the numbers of verbal and physical interventions by the participant during the violent argument. The number of physical interventions had a significantly greater mean in the in-group condition compared to the out-group. The more that participants perceived that the Victim was looking to them for help the greater the number of interventions in the in-group but not in the out-group. These results are supported by standard statistical analysis of variance, with more detailed findings obtained by a symbolic regression procedure based on genetic programming. Verbal interventions made during their experience, and analysis of post-experiment interview data suggest that in-group members were more prone to confrontational intervention compared to the out-group who were more prone to make statements to try to diffuse the situation.

Bystander Responses to a Violent Incident in an Immersive Virtual Environment

PubMed Central

Slater, Mel; Rovira, Aitor; Southern, Richard; Swapp, David; Zhang, Jian J.; Campbell, Claire; Levine, Mark

2013-01-01

Under what conditions will a bystander intervene to try to stop a violent attack by one person on another? It is generally believed that the greater the size of the crowd of bystanders, the less the chance that any of them will intervene. A complementary model is that social identity is critical as an explanatory variable. For example, when the bystander shares common social identity with the victim the probability of intervention is enhanced, other things being equal. However, it is generally not possible to study such hypotheses experimentally for practical and ethical reasons. Here we show that an experiment that depicts a violent incident at life-size in immersive virtual reality lends support to the social identity explanation. 40 male supporters of Arsenal Football Club in England were recruited for a two-factor between-groups experiment: the victim was either an Arsenal supporter or not (in-group/out-group), and looked towards the participant for help or not during the confrontation. The response variables were the numbers of verbal and physical interventions by the participant during the violent argument. The number of physical interventions had a significantly greater mean in the in-group condition compared to the out-group. The more that participants perceived that the Victim was looking to them for help the greater the number of interventions in the in-group but not in the out-group. These results are supported by standard statistical analysis of variance, with more detailed findings obtained by a symbolic regression procedure based on genetic programming. Verbal interventions made during their experience, and analysis of post-experiment interview data suggest that in-group members were more prone to confrontational intervention compared to the out-group who were more prone to make statements to try to diffuse the situation. PMID:23300991

Base-Rate Neglect as a Function of Base Rates in Probabilistic Contingency Learning

ERIC Educational Resources Information Center

Kutzner, Florian; Freytag, Peter; Vogel, Tobias; Fiedler, Klaus

2008-01-01

When humans predict criterion events based on probabilistic predictors, they often lend excessive weight to the predictor and insufficient weight to the base rate of the criterion event. In an operant analysis, using a matching-to-sample paradigm, Goodie and Fantino (1996) showed that humans exhibit base-rate neglect when predictors are associated…

Calculating Dynamics Of Helicopters And Slung Loads

NASA Technical Reports Server (NTRS)

Cicolani, Luigi; Kanning, Gerd

1991-01-01

General equations derived for numerical simulations of motions of multiple-lift, slung-load systems consisting of two or more lifting helicopters and loads slung from them by various combinations of spreader bars, cables, nets, and attaching hardware. Equations readily programmable for efficient computation of motions and lend themselves well to analysis and design of control strategies for stabilization and coordination.

7 CFR 400.705 - Contents required for a new submission or changes to a previously approved submission.

Code of Federal Regulations, 2014 CFR

2014-01-01

... information from market research, producers or producer groups, agents, lending institutions, and other... reliability of the data; (5) An analysis of the results of simulations or modeling showing the performance of proposed rates and commodity prices, as applicable, based on one or more of the following (Such simulations...

7 CFR 400.705 - Contents required for a new submission or changes to a previously approved submission.

Code of Federal Regulations, 2012 CFR

2012-01-01

... information from market research, producers or producer groups, agents, lending institutions, and other... reliability of the data; (5) An analysis of the results of simulations or modeling showing the performance of proposed rates and commodity prices, as applicable, based on one or more of the following (Such simulations...

7 CFR 400.705 - Contents required for a new submission or changes to a previously approved submission.

Code of Federal Regulations, 2011 CFR

2011-01-01

... information from market research, producers or producer groups, agents, lending institutions, and other... reliability of the data; (5) An analysis of the results of simulations or modeling showing the performance of proposed rates and commodity prices, as applicable, based on one or more of the following (Such simulations...

7 CFR 400.705 - Contents required for a new submission or changes to a previously approved submission.

Code of Federal Regulations, 2013 CFR

2013-01-01

... information from market research, producers or producer groups, agents, lending institutions, and other... reliability of the data; (5) An analysis of the results of simulations or modeling showing the performance of proposed rates and commodity prices, as applicable, based on one or more of the following (Such simulations...

Anthropology of the Classroom: Cultural Diversity, Its Meaning and Significance for Human Understanding, Communication and Student Interaction.

ERIC Educational Resources Information Center

London, Clement B.G.

Rapid sociocultural and technological changes in American society demand that concomitant changes in education be made, based on a holistic view of the vast number of factors that affect education and life. Cultural anthropology, which emphasizes both holistic observation and analysis of micro situations, lends itself to the research approach…

78 FR 23171 - Amendments to the 2013 Escrows Final Rule Under the Truth in Lending Act (Regulation Z)

Federal Register 2010, 2011, 2012, 2013, 2014

2013-04-18

...) and Homeownership Counseling Amendments to the Real Estate Settlement Procedures Act (Regulation X... Servicing Rules Under the Real Estate Settlement Procedures Act (Regulation X), 78 FR 10695; Mortgage... Analysis Section 1026.35 Requirements for Higher-Priced Mortgage Loans 35(b) Escrow Accounts 35(b)(1) The...

12 CFR 723.11 - How do you obtain a waiver?

Code of Federal Regulations, 2010 CFR

2010-01-01

... BUSINESS LOANS § 723.11 How do you obtain a waiver? To obtain a waiver, a federal credit union must submit... business lending policy; (b) The higher limit sought (if applicable); (c) An explanation of the need to... (e) An analysis of the credit union's prior experience making member business loans, including as a...

Picturing Sex Education: Notes on the Politics of Visual Stratification

ERIC Educational Resources Information Center

Janssen, Diederik F.

2006-01-01

This paper addresses the scarcity of research on depictions and layout in sex education materials. It is argued that pictures and layout can inform an analysis of social stratification based on visual access. This process of social organization is located using four theoretical models. However these models do not lend themselves to a close reading…

Nominal versus Attained Weights in Universitas 21 Ranking

ERIC Educational Resources Information Center

Soh, Kaycheng

2014-01-01

Universitas 21 Ranking of National Higher Education Systems (U21 Ranking) is one of the three new ranking systems appearing in 2012. In contrast with the other systems, U21 Ranking uses countries as the unit of analysis. It has several features which lend it with greater trustworthiness, but it also shared some methodological issues with the other…

78 FR 30739 - Amendments to the 2013 Escrows Final Rule under the Truth in Lending Act (Regulation Z)

Federal Register 2010, 2011, 2012, 2013, 2014

2013-05-23

... Amendments to the Real Estate Settlement Procedures Act (Regulation X) (2013 HOEPA Final Rule), 78 FR 6855... 7215 (Jan. 31, 2013); Mortgage Servicing Rules Under the Real Estate Settlement Procedures Act...\\ 73 FR 44522 (July 30, 2008). IV. Section-by-Section Analysis Section 1026.35 Requirements for Higher...

77 FR 65396 - Notice of Submission of Proposed Information Collection to OMB: Home Mortgage Disclosure Act...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-10-26

... mortgage lending institutions are required to use the information generated as a running log throughout the... mortgage lending institutions are required to use the information generated as a running log throughout the...

12 CFR 228.28 - Assigned ratings.

Code of Federal Regulations, 2010 CFR

2010-01-01

... bank's performance under the lending, investment and service tests, the community development test, the small bank performance standards, or an approved strategic plan, as applicable. (b) Lending, investment... credit practices. (1) The Board's evaluation of a bank's CRA performance is adversely affected by...

Experiment LEND of the NASA Lunar Reconnaissance Orbiter for high-resolution mapping of neutron emission of the Moon.

PubMed

Mitrofanov, I G; Sanin, A B; Golovin, D V; Litvak, M L; Konovalov, A A; Kozyrev, A S; Malakhov, A V; Mokrousov, M I; Tretyakov, V I; Troshin, V S; Uvarov, V N; Varenikov, A B; Vostrukhin, A A; Shevchenko, V V; Shvetsov, V N; Krylov, A R; Timoshenko, G N; Bobrovnitsky, Y I; Tomilina, T M; Grebennikov, A S; Kazakov, L L; Sagdeev, R Z; Milikh, G N; Bartels, A; Chin, G; Floyd, S; Garvin, J; Keller, J; McClanahan, T; Trombka, J; Boynton, W; Harshman, K; Starr, R; Evans, L

2008-08-01

The scientific objectives of neutron mapping of the Moon are presented as 3 investigation tasks of NASA's Lunar Reconnaissance Orbiter mission. Two tasks focus on mapping hydrogen content over the entire Moon and on testing the presence of water-ice deposits at the bottom of permanently shadowed craters at the lunar poles. The third task corresponds to the determination of neutron contribution to the total radiation dose at an altitude of 50 km above the Moon. We show that the Lunar Exploration Neutron Detector (LEND) will be capable of carrying out all 3 investigations. The design concept of LEND is presented together with results of numerical simulations of the instrument's sensitivity for hydrogen detection. The sensitivity of LEND is shown to be characterized by a hydrogen detection limit of about 100 ppm for a polar reference area with a radius of 5 km. If the presence of ice deposits in polar "cold traps" is confirmed, a unique record of many millions of years of lunar history would be obtained, by which the history of lunar impacts could be discerned from the layers of water ice and dust. Future applications of a LEND-type instrument for Mars orbital observations are also discussed.

Banking on Solar: An Analysis of Banking Opportunities in the U.S. Distributed Photovoltaic Market

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

Feldman, D.; Lowder, T.

This report provides a high-level overview of the developing U.S. solar loan product landscape, from both a market and economic perspective. It covers current and potential U.S. solar lending institutions; currently available loan products; loan program structures and post-loan origination options; risks and uncertainties of the solar asset class as it pertains to lenders; and an economic analysis comparing loan products to third party-financed systems in California.

Therapeutic Mastoidectomy in the Management of Noncholesteatomatous Chronic Otitis Media: Literature Review and Cost Analysis.

PubMed

Trinidade, Aaron; Page, Joshua C; Dornhoffer, John L

2016-12-01

Despite evidence that therapeutic mastoidectomy does not improve outcomes in noncholesteatomatous chronic otitis media, it remains widely performed. An up-to-date systematic review is undertaken and conclusions drawn regarding the best evidence-based practice of its management. PubMed, Google Scholar, Medline Embase, Cochrane, and Web of Science. A combination of the following words was used: chronic otitis media, chronic suppurative otitis media, COM, CSOM, mastoidectomy, tympanoplasty, atelectasis, retraction, tympanic perforation, and therapeutic. From 1742 studies, 7 were selected for full analysis with respect to the benefit of mastoidectomy in the management of active and inactive mucosal chronic otitis media. Most were retrospective studies, with 1 prospective randomized controlled trial available. Overall, there was no evidence to support routine mastoidectomy in conjunction with tympanoplasty in chronic otitis media. For ears with sclerotic mastoids, the evidence suggested that there may be some benefit as a staged procedure. Two studies were analyzed for the benefit of mastoidectomy in addition to tympanoplasty for the management of the atelectatic ear (inactive squamous chronic otitis media). The conclusion was also that mastoidectomy added no benefit. Examination of the available literature supports the notion that therapeutic mastoidectomy does not lend any additional benefit to the management of noncholesteatomatous chronic otitis media. This has implications for patient care, both clinically and financially. Further research, ideally in the form of a prospective, multi-institutional, geographically wide, ethnically diverse, randomized controlled trial, is needed to further support this notion. © American Academy of Otolaryngology—Head and Neck Surgery Foundation 2016.

Direct Lending: How To Improve Implementation.

ERIC Educational Resources Information Center

Jepsen, Keith

This evaluation study developed 29 recommendations concerning the implementation of direct loans in providing financial assistance to postsecondary school students. The investigation included examination of a current Department of Education (ED) pilot program, a video teleconference to discuss direct lending with 23 individuals in education…

24 CFR 107.15 - Definitions.

Code of Federal Regulations, 2010 CFR

2010-04-01

... disposition of residential property or related facilities (including land to be developed for residential use... (creed), sex or national origin in lending practices with respect to residential property and related facilities (including land to be developed for residential use) of lending institutions, insofar as such...

24 CFR 107.15 - Definitions.

Code of Federal Regulations, 2011 CFR

2011-04-01

... disposition of residential property or related facilities (including land to be developed for residential use... (creed), sex or national origin in lending practices with respect to residential property and related facilities (including land to be developed for residential use) of lending institutions, insofar as such...

12 CFR 25.22 - Lending test.

Code of Federal Regulations, 2013 CFR

2013-01-01

... assessment area(s) through its lending activities by considering a bank's home mortgage, small business... mortgage, small business, small farm, and consumer loans, if applicable, in the bank's assessment area(s); (2) Geographic distribution. The geographic distribution of the bank's home mortgage, small business...

12 CFR 25.22 - Lending test.

Code of Federal Regulations, 2011 CFR

2011-01-01

... assessment area(s) through its lending activities by considering a bank's home mortgage, small business... mortgage, small business, small farm, and consumer loans, if applicable, in the bank's assessment area(s); (2) Geographic distribution. The geographic distribution of the bank's home mortgage, small business...

12 CFR 25.22 - Lending test.

Code of Federal Regulations, 2014 CFR

2014-01-01

... assessment area(s) through its lending activities by considering a bank's home mortgage, small business... mortgage, small business, small farm, and consumer loans, if applicable, in the bank's assessment area(s); (2) Geographic distribution. The geographic distribution of the bank's home mortgage, small business...

12 CFR 345.22 - Lending test.

Code of Federal Regulations, 2014 CFR

2014-01-01

... activities by considering a bank's home mortgage, small business, small farm, and community development... following criteria: (1) Lending activity. The number and amount of the bank's home mortgage, small business... distribution. The geographic distribution of the bank's home mortgage, small business, small farm, and consumer...

12 CFR 345.22 - Lending test.

Code of Federal Regulations, 2013 CFR

2013-01-01

... activities by considering a bank's home mortgage, small business, small farm, and community development... following criteria: (1) Lending activity. The number and amount of the bank's home mortgage, small business... distribution. The geographic distribution of the bank's home mortgage, small business, small farm, and consumer...

12 CFR 25.28 - Assigned ratings.

Code of Federal Regulations, 2010 CFR

2010-01-01

... on the bank's performance under the lending, investment and service tests, the community development test, the small bank performance standards, or an approved strategic plan, as applicable. (b) Lending... credit practices. (1) The OCC's evaluation of a bank's CRA performance is adversely affected by evidence...

76 FR 11319 - Truth in Lending

Federal Register 2010, 2011, 2012, 2013, 2014

2011-03-02

... Congress enacted the Truth in Lending Act (TILA) based on findings that economic stability would be... Final Rule Congress enacted TILA based on findings that economic stability would be enhanced and... Economic Recovery Act of 2008 (HERA), also provides that its principal obligation limitations are subject...

76 FR 20087 - Proposed Collection; Comment Request; State Small Business Credit Initiative Allocation Agreement

Federal Register 2010, 2011, 2012, 2013, 2014

2011-04-11

... programs that leverage private lending to help finance small businesses and manufacturers that are... DEPARTMENT OF THE TREASURY Proposed Collection; Comment Request; State Small Business Credit Initiative Allocation Agreement AGENCY: Departmental Offices, Small Business Lending Funds, Treasury. ACTION...

12 CFR 560.160 - Asset classification.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Asset classification. 560.160 Section 560.160 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY LENDING AND INVESTMENT Lending and Investment Provisions Applicable to all Savings Associations § 560.160 Asset classification...

78 FR 76033 - Truth in Lending (Regulation Z)

Federal Register 2010, 2011, 2012, 2013, 2014

2013-12-16

... BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1026 Truth in Lending (Regulation Z) AGENCY... Card Accountability Responsibility and Disclosure Act of 2009 (CARD Act) and the Home Ownership and... re-calculated annually using the Consumer Price Index for Urban Wage Earners and Clerical Workers...

12 CFR 560.3 - Definitions.

Code of Federal Regulations, 2011 CFR

2011-01-01

... Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY LENDING AND INVESTMENT § 560.3... loans for personal, family, or household purposes and loans reasonably incident thereto, and may be made... loans, and other loans that the savings association has designated as made under investment or lending...

12 CFR 228.22 - Lending test.

Code of Federal Regulations, 2013 CFR

2013-01-01

... assessment area(s) through its lending activities by considering a bank's home mortgage, small business... and amount of the bank's home mortgage, small business, small farm, and consumer loans, if applicable... bank's home mortgage, small business, small farm, and consumer loans, if applicable, based on the loan...

A second look at the colors of the dinosaurs.

PubMed

Turner, Derek D

2016-02-01

In earlier work, I predicted that we would probably not be able to determine the colors of the dinosaurs. I lost this epistemic bet against science in dramatic fashion when scientists discovered that it is possible to draw inferences about dinosaur coloration based on the microstructure of fossil feathers (Vinther et al., 2008). This paper is an exercise in philosophical error analysis. I examine this episode with two questions in mind. First, does this case lend any support to epistemic optimism about historical science? Second, under what conditions is it rational to make predictions about what questions scientists will or will not be able answer? In reply to the first question, I argue that the recent work on the colors of the dinosaurs matters less to the debate about the epistemology of historical science than it might seem. In reply to the second question, I argue that it is difficult to specify a policy that would rule out the failed bet without also being too conservative. Copyright © 2015 Elsevier Ltd. All rights reserved.

ON THE NONTHERMAL κ-DISTRIBUTED ELECTRONS IN PLANETARY NEBULAE AND H ii REGIONS: THE κ INDEX AND ITS CORRELATIONS WITH OTHER NEBULAR PROPERTIES

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

Zhang, Yong; Zhang, Bing; Liu, Xiao-Wei, E-mail: zhangy96@hku.hk

2016-01-20

Recently, a suspicion arose that the free electrons in planetary nebulae (PNs) and H ii regions might have nonthermal energy distributions. In this scenario, a κ index is introduced to characterize the electron energy distributions, with smaller κ values indicating larger deviations from Maxwell–Boltzmann distributions. Assuming that this is the case, we determine the κ values for a sample of PNs and H ii regions by comparing the intensities of [O iii] collisionally excited lines and the hydrogen Balmer jump. We find the average κ indices of PNs and H ii regions to be 27 and 32, respectively. Correlations betweenmore » the resultant κ values and various physical properties of the nebulae are examined to explore the potential origin of nonthermal electrons in photoionized gaseous nebulae. However, no positive result is obtained. Thus, the current analysis does not lend support to the idea that κ-distributed electrons are present in PNs and H ii regions.« less

Service employees give as they get: internal service as a moderator of the service climate-service outcomes link.

PubMed

Ehrhart, Karen Holcombe; Witt, L A; Schneider, Benjamin; Perry, Sara Jansen

2011-03-01

We lend theoretical insight to the service climate literature by exploring the joint effects of branch service climate and the internal service provided to the branch (the service received from corporate units to support external service delivery) on customer-rated service quality. We hypothesized that service climate is related to service quality most strongly when the internal service quality received is high, providing front-line employees with the capability to deliver what the service climate motivates them to do. We studied 619 employees and 1,973 customers in 36 retail branches of a bank. We aggregated employee perceptions of the internal service quality received from corporate units and the local service climate and external customer perceptions of service quality to the branch level of analysis. Findings were consistent with the hypothesis that high-quality internal service is necessary for branch service climate to yield superior external customer service quality. PsycINFO Database Record (c) 2011 APA, all rights reserved.

Are math readiness and personality predictive of first-year retention in engineering?

PubMed

Moses, Laurie; Hall, Cathy; Wuensch, Karl; De Urquidi, Karen; Kauffmann, Paul; Swart, William; Duncan, Steve; Dixon, Gene

2011-01-01

On the basis of J. G. Borkowski, L. K. Chan, and N. Muthukrishna's model of academic success (2000), the present authors hypothesized that freshman retention in an engineering program would be related to not only basic aptitude but also affective factors. Participants were 129 college freshmen with engineering as their stated major. Aptitude was measured by SAT verbal and math scores, high school grade-point average (GPA), and an assessment of calculus readiness. Affective factors were assessed by the NEO-Five Factor Inventory (FFI; P. I. Costa & R. R. McCrae, 2007), and the Nowicki-Duke Locus of Control (LOC) scale (S. Nowicki & M. Duke, 1974). A binary logistic regression analysis found that calculus readiness and high school GPA were predictive of retention. Scores on the Neuroticism and Openness subscales from the NEO-FFI and LOC were correlated with retention status, but Openness was the only affective factor with a significant unique effect in the binary logistic regression. Results of the study lend modest support to Borkowski's model.

Noise facilitation in associative memories of exponential capacity.

PubMed

Karbasi, Amin; Salavati, Amir Hesam; Shokrollahi, Amin; Varshney, Lav R

2014-11-01

Recent advances in associative memory design through structured pattern sets and graph-based inference algorithms have allowed reliable learning and recall of an exponential number of patterns that satisfy certain subspace constraints. Although these designs correct external errors in recall, they assume neurons that compute noiselessly, in contrast to the highly variable neurons in brain regions thought to operate associatively, such as hippocampus and olfactory cortex. Here we consider associative memories with boundedly noisy internal computations and analytically characterize performance. As long as the internal noise level is below a specified threshold, the error probability in the recall phase can be made exceedingly small. More surprising, we show that internal noise improves the performance of the recall phase while the pattern retrieval capacity remains intact: the number of stored patterns does not reduce with noise (up to a threshold). Computational experiments lend additional support to our theoretical analysis. This work suggests a functional benefit to noisy neurons in biological neuronal networks.

Electrical properties of lanthanum chromite based ceramics in hydrogen and oxidizing atmospheres at high temperatures. Final report

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

Schmidt, V.H.

1981-06-01

Several results regarding the effect of hydrogen on lanthanum chromite were determined. Thermally-activated diffusion of hydrogen through La(Mg)CrO/sub 3/ was found with a high activation energy. It was found that its electrical conductivity drops drastically, especially at low temperature, after exposure to hydrogen at high temperature. Also, the curvature of most of the conductivity plots, as well as the inability to observe the Hall effect, lends support to the proposal by Karim and Aldred that the small-polaron model which predicts thermally activated mobility is applicable to doped lanthanum chromite. From differential thermal analysis an apparent absorption of hydrogen near 300/supmore » 0/C was noticed. Upon cooling the lanthanum chromite in hydrogen and subsequently reheating it in air, desorption occurred near 170/sup 0/C. The immediate purpose of this study was to determine whether hydrogen has a deleterious effect on lanthanum chromite in solid oxide fuel cells.« less

Is there evidence to support a forefoot strike pattern in barefoot runners? A review.

PubMed

Lorenz, Daniel S; Pontillo, Marisa

2012-11-01

Barefoot running is a trend among running enthusiasts that is the subject of much controversy. At this time, benefits appear to be more speculative and anecdotal than evidence based. Additionally, the risk of injuries is not well established. A PubMed search was undertaken for articles published in English from 1980 to 2011. Additional references were accrued from reference lists of research articles. While minimal data exist that definitively support barefoot running, there are data lending support to the argument that runners should use a forefoot strike pattern in lieu of a heel strike pattern to reduce ground reaction forces, ground contact time, and step length. Whether there is a positive or negative effect on injury has yet to be determined. Unquestionably, more research is needed before definitive conclusions can be drawn.

Print and Electronic Resources: Usage Statistics at Guru Gobind Singh Indraprastha University Library

ERIC Educational Resources Information Center

Kapoor, Kanta

2010-01-01

Purpose: The purpose of this paper is to quantify the use of electronic journals in comparison with the print collections in the Guru Gobind Singh Indraprastha University Library. Design/methodology/approach: A detailed analysis was made of the use of lending services, the Xerox facility and usage of electronic journals such as Science Direct,…

Biological Inspiration for Agile Autonomous Air Vehicles

DTIC Science & Technology

2007-11-01

rhythmically contract the thorax; the hind wings have become specialized as small body rotation sensors (halteres). Butterflies and moths have two pairs of...orthogonal pairs of power muscles that produce alternating dorso-ventral and longitudinal flexure of the thorax from rhythmic contractions similar to...other physical sciences lend themselves to somewhat reductionist approaches for both analysis and synthesis. Complex engineered systems are built from

Design of an Orbital Inspection Satellite

DTIC Science & Technology

1986-12-01

ADDRESS (City, State, and ZIP Code ) 10. SOURCE OF FUNDING NUMBERS PROGRAM PROJECT TASK WORK UNITELEMENT NO. NO. NO. CCESSION NO. 11. TITLE (include...Captain, USAF Dh t ibutioni Availabiity Codes Avail adlor Dist [Special December 1986 Approved for public release; distribution...lends itself to the technique of multi -objective analysis. The final step is planning for action. This communicates the entire systems engineering

Predicting internal yellow-poplar log defect features using surface indicators

Treesearch

R. Edward Thomas

2008-01-01

Determining the defects that are located within the log is crucial to understanding the tree/log resource for efficient processing. However, existing means of doing this non-destructively requires the use of expensive X-ray/CT, MRI, or microwave technology. These methods do not lend themselves to fast, efficient, and cost-effective analysis of logs and tree stems in...

Methodological Advances in Political Gaming: The One-Person Computer Interactive, Quasi-Rigid Rule Game.

ERIC Educational Resources Information Center

Shubik, Martin

The main problem in computer gaming research is the initial decision of choosing the type of gaming method to be used. Free-form games lead to exciting open-ended confrontations that generate much information. However, they do not easily lend themselves to analysis because they generate far too much information and their results are seldom…

Studies of educational interventions and outcomes in diabetic adults: a meta-analysis revisited.

PubMed

Brown, S A

1990-12-01

This paper reports a follow-up of previous meta-analysis research conducted by the author on the effects of diabetes patient education on patient outcomes. An expanded sample of studies and psychological outcome variables were added to the previously studied variables of patient knowledge, self-care behaviors (compliance and skill performance) and metabolic control. The purpose was to determine: (1) the effects of patient education on specific outcome variables; and (2) the relationships between effects of education and characteristics of the studies and/or subjects. Following an extensive literature search, a total of 82 studies were found which met the inclusion criteria for this analysis; 68% were published and 32% were unpublished. Homogeneity analyses of specific patient outcome variables yielded the following results: knowledge effects ranged from 0.49 to 1.05; self-care behavior effects from 0.17 to 0.57, with insulin injection and weight loss associated with the smallest effect sizes; metabolic control from 0.16 to 0.41; and psychological outcomes 0.27. Mean age of the subjects was negatively correlated with knowledge and cholesterol, indicating that the older the mean age of the subjects, the lower the effects of patient education on these variables. Findings of this meta-analysis on the expanded data set were consistent with the previous meta-analysis and lend support to the effectiveness of diabetes patient education in improving patient outcomes.

Direct Lending Works.

ERIC Educational Resources Information Center

Riley, Richard W.

1997-01-01

In its third year, direct lending is working well for college students and administration. It is a simpler, faster, more efficient way of getting loan funds to students that cuts out financial middlemen. It helps students manage their finances better when repaying loans, promotes competition, stimulates program innovation, leads to greater…

12 CFR 614.4150 - Lending policies and loan underwriting standards.

Code of Federal Regulations, 2013 CFR

2013-01-01

... loan underwriting standards. Under the policies of its board, each institution shall adopt written standards for prudent lending and shall issue written policies, operating procedures, and control mechanisms... standards. 614.4150 Section 614.4150 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN...

12 CFR 614.4150 - Lending policies and loan underwriting standards.

Code of Federal Regulations, 2011 CFR

2011-01-01

... loan underwriting standards. Under the policies of its board, each institution shall adopt written standards for prudent lending and shall issue written policies, operating procedures, and control mechanisms... standards. 614.4150 Section 614.4150 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN...

12 CFR 614.4150 - Lending policies and loan underwriting standards.

Code of Federal Regulations, 2014 CFR

2014-01-01

... loan underwriting standards. Under the policies of its board, each institution shall adopt written standards for prudent lending and shall issue written policies, operating procedures, and control mechanisms... standards. 614.4150 Section 614.4150 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN...

12 CFR 614.4150 - Lending policies and loan underwriting standards.

Code of Federal Regulations, 2012 CFR

2012-01-01

... loan underwriting standards. Under the policies of its board, each institution shall adopt written standards for prudent lending and shall issue written policies, operating procedures, and control mechanisms... standards. 614.4150 Section 614.4150 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN...

12 CFR 614.4150 - Lending policies and loan underwriting standards.

Code of Federal Regulations, 2010 CFR

2010-01-01

... loan underwriting standards. Under the policies of its board, each institution shall adopt written standards for prudent lending and shall issue written policies, operating procedures, and control mechanisms... standards. 614.4150 Section 614.4150 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN...

12 CFR 28.54 - Reporting and disclosure of international assets.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Reporting and disclosure of international... INTERNATIONAL BANKING ACTIVITIES International Lending Supervision § 28.54 Reporting and disclosure of international assets. (a) Requirements. (1) Pursuant to section 907(a) of the International Lending Supervision...

Advantages and Disadvantages of the Patient-Centered Medical Home: A Critical Analysis and Lessons Learned.

PubMed

Budgen, Jacqueline; Cantiello, John

This article provides a detailed examination of the pros and cons associated with patient-centered medical homes (PCMHs). Opinions and findings from those who have studied PCMHs and those who have been directly involved with this type of health care model are outlined. Key lessons from providers are detailed, and critical success factors are highlighted. This synthesized analysis serves to lend evidence to health care managers and providers who are considering implementation of the PCMH model.

Does stress induce bowel dysfunction?

PubMed

Chang, Yu-Ming; El-Zaatari, Mohamad; Kao, John Y

2014-08-01

Psychological stress is known to induce somatic symptoms. Classically, many gut physiological responses to stress are mediated by the hypothalamus-pituitary-adrenal axis. There is, however, a growing body of evidence of stress-induced corticotrophin-releasing factor (CRF) release causing bowel dysfunction through multiple pathways, either through the HPA axis, the autonomic nervous systems, or directly on the bowel itself. In addition, recent findings of CRF influencing the composition of gut microbiota lend support for the use of probiotics, antibiotics, and other microbiota-altering agents as potential therapeutic measures in stress-induced bowel dysfunction.

The Need for Speed: Accelerating Decision Making on the 7 C’s of Adaptive Leadership

DTIC Science & Technology

2009-10-23

also known as “ millennials .” Generation Y (Gen Y ) makes up over 70 million people in the U.S. – 20% of the population. Sources differ on the...www.usatoday.com/money/workplace/2005-11-06-gen-y_x.htm (accessed 26 September 2009). 18 Ibid. 19 NAS Insights, “Generation Y : The Millennials ... Y – and examine the concept of “thin-slicing” and related thought processes. This will lend itself to supporting the position that an operational

A framework for real-time distributed expert systems: On-orbit spacecraft fault diagnosis, monitoring and control

NASA Technical Reports Server (NTRS)

Mullikin, Richard L.

1987-01-01

Control of on-orbit operation of a spacecraft requires retention and application of special purpose, often unique, knowledge of equipment and procedures. Real-time distributed expert systems (RTDES) permit a modular approach to a complex application such as on-orbit spacecraft support. One aspect of a human-machine system that lends itself to the application of RTDES is the function of satellite/mission controllers - the next logical step toward the creation of truly autonomous spacecraft systems. This system application is described.

The motion of bubbles inside drops in containerless processing

NASA Technical Reports Server (NTRS)

Shankar, N.; Annamalai, P.; Cole, R.; Subramanian, R. S.

1982-01-01

A theoretical model of thermocapillary bubble motion inside a drop, located in a space laboratory, due to an arbitrary axisymmetric temperature distribution on the drop surface was constructed. Typical results for the stream function and temperature fields as well as the migration velocity of the bubble were obtained in the quasistatic limit. The motion of bubbles in a rotating body of liquid was studied experimentally, and an approximate theoretical model was developed. Comparison of the experimental observations of the bubble trajectories and centering times with theoretical predictions lends qualified support to the theory.

Degrees of locality of energy transfer in the inertial range. [Kolmogoroff notion in turbulence theory

NASA Technical Reports Server (NTRS)

Zhou, YE

1993-01-01

Measured raw transfer interactions from which local energy transfer is argued to result are summed in a way that directly indicates the scale disparity (s) of contributions to the net energy flux across the spectrum. It is found that the dependence upon s closely follows the s exp -4/3 form predicted by classical arguments. As a result, it is concluded that direct numerical simulation measurements lend support to the classical Kolmogorov phenomenology of local interactions and local transfer in an inertial range.

Oversight Hearing on Successful Education Programs Relating to Illiteracy, Bilingual Education and Dropout Prevention. Hearing before the Subcommittee on Elementary, Secondary, and Vocational Education of the Committee on Education and Labor, House of Representatives, Ninety-Ninth Congress, First Session (Los Angeles, CA, November 25, 1985).

ERIC Educational Resources Information Center

Congress of the U.S., Washington, DC. House Committee on Education and Labor.

The hearing was convened to address the problems in American education and to identify and lend support to those successful and cost-effective policies, practices and programs that have emerged since 1965. This is one in a series of regional hearings designed to obtain diverse viewpoints, examine proposed solutions and agree on viable solutions to…

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...

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...

75 FR 81836 - Truth in Lending

Federal Register 2010, 2011, 2012, 2013, 2014

2010-12-29

... the Truth in Lending Act (TILA) based on findings that economic stability would be enhanced and... MDIA is contained in Sections 2501 through 2503 of the Housing and Economic Recovery Act of 2008, Public Law 110-289, enacted on July 30, 2008. The MDIA was later amended by the Emergency Economic...

12 CFR 560.36 - De minimis investments.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 5 2010-01-01 2010-01-01 false De minimis investments. 560.36 Section 560.36 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY LENDING AND INVESTMENT Lending and Investment Powers for Federal Savings Associations § 560.36 De minimis investments. A Federal...

12 CFR 560.32 - Pass-through investments.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Pass-through investments. 560.32 Section 560.32 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY LENDING AND INVESTMENT Lending and Investment Powers for Federal Savings Associations § 560.32 Pass-through investments. (a) A...

12 CFR 1805.301 - Eligible activities.

Code of Federal Regulations, 2012 CFR

2012-01-01

...) Are owned by Low-Income persons; or (3) Enhance the availability of products and services to Low... only be used for services and lending products that serve Low-Income persons and that: (1) Are not provided by other lenders in the area; or (2) Complement the services and lending products provided by...

12 CFR 1805.301 - Eligible activities.

Code of Federal Regulations, 2014 CFR

2014-01-01

...) Are owned by Low-Income persons; or (3) Enhance the availability of products and services to Low... only be used for services and lending products that serve Low-Income persons and that: (1) Are not provided by other lenders in the area; or (2) Complement the services and lending products provided by...

12 CFR 1805.301 - Eligible activities.

Code of Federal Regulations, 2011 CFR

2011-01-01

...) Are owned by Low-Income persons; or (3) Enhance the availability of products and services to Low... only be used for services and lending products that serve Low-Income persons and that: (1) Are not provided by other lenders in the area; or (2) Complement the services and lending products provided by...

12 CFR 1805.301 - Eligible activities.

Code of Federal Regulations, 2013 CFR

2013-01-01

...) Are owned by Low-Income persons; or (3) Enhance the availability of products and services to Low... only be used for services and lending products that serve Low-Income persons and that: (1) Are not provided by other lenders in the area; or (2) Complement the services and lending products provided by...

12 CFR 560.36 - De minimis investments.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 5 2011-01-01 2011-01-01 false De minimis investments. 560.36 Section 560.36 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY LENDING AND INVESTMENT Lending and Investment Powers for Federal Savings Associations § 560.36 De minimis investments. A Federal...

12 CFR 560.32 - Pass-through investments.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 5 2011-01-01 2011-01-01 false Pass-through investments. 560.32 Section 560.32 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY LENDING AND INVESTMENT Lending and Investment Powers for Federal Savings Associations § 560.32 Pass-through investments. (a) A...

75 FR 50936 - Loan Policies and Operations; Lending and Leasing Limits and Risk Management

Federal Register 2010, 2011, 2012, 2013, 2014

2010-08-18

...-AC60 Loan Policies and Operations; Lending and Leasing Limits and Risk Management AGENCY: Farm Credit... sound operation of System institutions by strengthening their risk management practices and abilities to... the establishment of consistent, uniform and prudent concentration risk management policies by System...

Student Loan Financing.

ERIC Educational Resources Information Center

Ginsberg, Edward; Ginsberg, Susan

1989-01-01

The Guaranteed Student Loan program is big business and risky for everyone except the lending institutions. Students who default on their loans now risk tougher penalties, and the federal government must foot the bill when students don't repay. The default problem varies by state and lending institution. Some California figures are provided. (MLH)

ADONIS: One Library's Experience with a CD-ROM Document Delivery System.

ERIC Educational Resources Information Center

Pereira, Monica

Academic libraries have traditionally used interlibrary lending to facilitate document delivery. The trend of stagnating or dwindling serials budgets in libraries, coupled with increased journal costs, has served to increase libraries' reliance on the benefits of consortium pricing and shared costs, by utilizing interlibrary lending of journals.…

12 CFR 390.265 - Real estate lending standards.

Code of Federal Regulations, 2014 CFR

2014-01-01

... consistent with safe and sound banking practices; (ii) Be appropriate to the size of the institution and the... institution's policies must be comprehensive, and consistent with safe and sound lending practices, and must..., construction, and absorption rates. • Current and projected lease terms, rental rates, and sales prices...

12 CFR Appendix A to Subpart D of... - Interagency Guidelines for Real Estate Lending

Code of Federal Regulations, 2014 CFR

2014-01-01

... comprehensive, and consistent with safe and sound lending practices, and must ensure that the institution... employment trends. • Zoning requirements. • Current and projected vacancy, construction, and absorption rates... property. • Maximum loan maturities by type of property. • Amortization schedules. • Pricing structure for...

12 CFR 390.265 - Real estate lending standards.

Code of Federal Regulations, 2013 CFR

2013-01-01

... consistent with safe and sound banking practices; (ii) Be appropriate to the size of the institution and the... institution's policies must be comprehensive, and consistent with safe and sound lending practices, and must..., construction, and absorption rates. • Current and projected lease terms, rental rates, and sales prices...

12 CFR Appendix A to Subpart D of... - Interagency Guidelines for Real Estate Lending

Code of Federal Regulations, 2011 CFR

2011-01-01

... comprehensive, and consistent with safe and sound lending practices, and must ensure that the institution... employment trends. • Zoning requirements. • Current and projected vacancy, construction, and absorption rates... property. • Maximum loan maturities by type of property. • Amortization schedules. • Pricing structure for...

12 CFR Appendix A to Subpart D of... - Interagency Guidelines for Real Estate Lending

Code of Federal Regulations, 2013 CFR

2013-01-01

... comprehensive, and consistent with safe and sound lending practices, and must ensure that the institution... employment trends. • Zoning requirements. • Current and projected vacancy, construction, and absorption rates... property. • Maximum loan maturities by type of property. • Amortization schedules. • Pricing structure for...

12 CFR Appendix C to Part 208 - Interagency Guidelines for Real Estate Lending Policies

Code of Federal Regulations, 2012 CFR

2012-01-01

... institution's policies must be comprehensive, and consistent with safe and sound lending practices, and must..., construction, and absorption rates. • Current and projected lease terms, rental rates, and sales prices... of property. • Amortization schedules. • Pricing structure for different types of real estate loans...

12 CFR 160.101 - Real estate lending standards.

Code of Federal Regulations, 2013 CFR

2013-01-01

... consistent with safe and sound banking practices; (ii) Be appropriate to the size of the institution and the... institution's policies must be comprehensive, and consistent with safe and sound lending practices, and must..., construction, and absorption rates. • Current and projected lease terms, rental rates, and sales prices...

12 CFR 160.101 - Real estate lending standards.

Code of Federal Regulations, 2014 CFR

2014-01-01

... consistent with safe and sound banking practices; (ii) Be appropriate to the size of the institution and the... institution's policies must be comprehensive, and consistent with safe and sound lending practices, and must..., construction, and absorption rates. • Current and projected lease terms, rental rates, and sales prices...

Ereaders in Academic Libraries--A Literature Review

ERIC Educational Resources Information Center

Tees, Tracy

2010-01-01

This literature review describes the experiences of universities in their use of ereaders as textbook replacements and of academic libraries and their lending of ereaders. Information gained from this review will inform Southern Cross University (SCU) Library's forthcoming Ereader Project, which will trial the lending of ereaders as leisure…

12 CFR 560.60 - Suretyship and guaranty.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Suretyship and guaranty. 560.60 Section 560.60 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY LENDING AND INVESTMENT Lending and Investment Powers for Federal Savings Associations § 560.60 Suretyship and guaranty. Pursuant...

12 CFR 560.34 - Prepayments.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Prepayments. 560.34 Section 560.34 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY LENDING AND INVESTMENT Lending and Investment Powers for Federal Savings Associations § 560.34 Prepayments. Any prepayment on a real estate loan...

12 CFR 560.33 - Late charges.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Late charges. 560.33 Section 560.33 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY LENDING AND INVESTMENT Lending and Investment Powers for Federal Savings Associations § 560.33 Late charges. A Federal savings association may...

49 CFR 22.31 - Suspension or revocation of eligibility to participate.

Code of Federal Regulations, 2010 CFR

2010-10-01

... 49 Transportation 1 2010-10-01 2010-10-01 false Suspension or revocation of eligibility to participate. 22.31 Section 22.31 Transportation Office of the Secretary of Transportation SHORT-TERM LENDING... operational requirements; or a failure to engage in prudent lending practices. A suspension or revocation will...

12 CFR 560.130 - Prohibition on loan procurement fees.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Prohibition on loan procurement fees. 560.130 Section 560.130 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY LENDING AND INVESTMENT Lending and Investment Provisions Applicable to all Savings Associations § 560.130 Prohibition on...

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...

76 FR 42015 - Prohibition Against Payment of Interest on Demand Deposits

Federal Register 2010, 2011, 2012, 2013, 2014

2011-07-18

... also sought comment on four specific issues related to the proposal: 1. Does the repeal of Regulation Q..., consumer lending and small business lending. Commenters argued that smaller institutions, as they lose... received from smaller banks because the business model of smaller banks focuses on relationships and...

Intergroup contact and beliefs about homosexuality in adolescence.

PubMed

Heinze, Justin E; Horn, Stacey S

2009-08-01

This study examines the relationship between intergroup contact and adolescents' attitudes regarding homosexuality and the treatment of lesbian and gay (LG) peers. Fourteen- through 18-year-olds (n = 1,069, 59.7% females) completed self-report attitude and judgment questionnaires about the acceptability of homosexuality, levels of comfort around LG peers, and the acceptability of excluding or teasing an LG peer. The results suggest that having an LG friend is related to more positive attitudes toward homosexuals/homosexuality and less tolerance toward the unfair treatment of LG peers. The findings lend further support to intergroup contact theory and provide evidence that the intimacy of contact is related to prejudice reduction, and offer general support that age is related to prejudicial attitudes, but less so to prejudicial behaviors.

Welcome to the National Wetlands Research Center Library: Successful Research Begins @ Your Library

USGS Publications Warehouse

Broussard, Linda

2007-01-01

The National Wetlands Research Center (NWRC) library is part of the U.S. Geological Survey (USGS) and is the only USGS library dedicated to wetland science. The mission of the NWRC library is to support the research and information needs of scientists, managers, and support personnel by providing a specialized, scientific collection of library materials and related information services that are responsive to and reflect internal and external customer needs and work processes. The NWRC library participates in international cataloging and resource sharing that allows libraries from throughout the world to borrow from its collections and lend to NWRC. This sharing of materials facilitates the research of other governmental agencies, universities, and those interested in the study of wetlands.

Extinction events can accelerate evolution.

PubMed

Lehman, Joel; Miikkulainen, Risto

2015-01-01

Extinction events impact the trajectory of biological evolution significantly. They are often viewed as upheavals to the evolutionary process. In contrast, this paper supports the hypothesis that although they are unpredictably destructive, extinction events may in the long term accelerate evolution by increasing evolvability. In particular, if extinction events extinguish indiscriminately many ways of life, indirectly they may select for the ability to expand rapidly through vacated niches. Lineages with such an ability are more likely to persist through multiple extinctions. Lending computational support for this hypothesis, this paper shows how increased evolvability will result from simulated extinction events in two computational models of evolved behavior. The conclusion is that although they are destructive in the short term, extinction events may make evolution more prolific in the long term.

User Guidelines and Best Practices for CASL VUQ Analysis Using Dakota

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

Adams, Brian M.; Coleman, Kayla; Gilkey, Lindsay N.

Sandia’s Dakota software (available at http://dakota.sandia.gov) supports science and engineering transformation through advanced exploration of simulations. Specifically it manages and analyzes ensembles of simulations to provide broader and deeper perspective for analysts and decision makers. This enables them to enhance understanding of risk, improve products, and assess simulation credibility. In its simplest mode, Dakota can automate typical parameter variation studies through a generic interface to a physics-based computational model. This can lend efficiency and rigor to manual parameter perturbation studies already being conducted by analysts. However, Dakota also delivers advanced parametric analysis techniques enabling design exploration, optimization, model calibration, riskmore » analysis, and quantification of margins and uncertainty with such models. It directly supports verification and validation activities. Dakota algorithms enrich complex science and engineering models, enabling an analyst to answer crucial questions of - Sensitivity: Which are the most important input factors or parameters entering the simulation, and how do they influence key outputs?; Uncertainty: What is the uncertainty or variability in simulation output, given uncertainties in input parameters? How safe, reliable, robust, or variable is my system? (Quantification of margins and uncertainty, QMU); Optimization: What parameter values yield the best performing design or operating condition, given constraints? Calibration: What models and/or parameters best match experimental data? In general, Dakota is the Consortium for Advanced Simulation of Light Water Reactors (CASL) delivery vehicle for verification, validation, and uncertainty quantification (VUQ) algorithms. It permits ready application of the VUQ methods described above to simulation codes by CASL researchers, code developers, and application engineers.« less

SUPERMODEL ANALYSIS OF A1246 AND J255: ON THE EVOLUTION OF GALAXY CLUSTERS FROM HIGH TO LOW ENTROPY STATES

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

Fusco-Femiano, R.; Lapi, A., E-mail: roberto.fuscofemiano@iaps.inaf.it

2015-02-10

We present an analysis of high-quality X-ray data out to the virial radius for the two galaxy clusters A1246 and GMBCG J255.34805+64.23661 (J255) by means of our entropy-based SuperModel. For A1246 we find that the spherically averaged entropy profile of the intracluster medium (ICM) progressively flattens outward, and that a nonthermal pressure component amounting to ≈20% of the total is required to support hydrostatic equilibrium in the outskirts; there we also estimate a modest value C ≈ 1.6 of the ICM clumping factor. These findings agree with previous analyses on other cool-core, relaxed clusters, and lend further support to themore » picture by Lapi et al. that relates the entropy flattening, the development of the nonthermal pressure component, and the azimuthal variation of ICM properties to weakening boundary shocks. In this scenario clusters are born in a high-entropy state throughout, and are expected to develop on similar timescales a low-entropy state both at the center due to cooling, and in the outskirts due to weakening shocks. However, the analysis of J255 testifies how such a typical evolutionary course can be interrupted or even reversed by merging especially at intermediate redshift, as predicted by Cavaliere et al. In fact, a merger has rejuvenated the ICM of this cluster at z ≈ 0.45 by reestablishing a high-entropy state in the outskirts, while leaving intact or erasing only partially the low-entropy, cool core at the center.« less

Gamma hydroxybutyric acid (GHB) concentrations in humans and factors affecting endogenous production.

PubMed

Elliott, Simon P

2003-04-23

The endogenous nature of the drug of abuse gamma hydroxybutyric acid (GHB) has caused various interpretative problems for toxicologists. In order to obtain data for the presence of endogenous GHB in humans and to investigate any factors that may affect this, a volunteer study was undertaken. The GHB concentrations in 119 urine specimens from GHB-free subjects and 25 urine specimens submitted for toxicological analysis showed maximal urinary GHB concentrations of 3mg/l. Analysis of 15 plasma specimens submitted for toxicological analysis detected no measurable GHB (less than 2.5mg/l). Studies in a male and female volunteer in which different dietary food groups were ingested at weekly intervals, showed significant creatinine-independent intra-individual fluctuation with overall urine GHB concentrations between 0 and 2.55, and 0 and 2.74mg/l, respectively. Urinary concentrations did not appear to be affected by the particular dietary groups studied. The concentrations measured by gas chromatography with flame ionisation detection (GC-FID) and gas chromatography with mass spectrometry (GC-MS) lend further support to the proposed urinary and plasma interpretative cut-offs of 10 and 4mg/l, respectively, where below this it is not possible to determine whether any GHB detected is endogenous or exogenous in nature.

Capturing the Flatness of a peer-to-peer lending network through random and selected perturbations

NASA Astrophysics Data System (ADS)

Karampourniotis, Panagiotis D.; Singh, Pramesh; Uparna, Jayaram; Horvat, Emoke-Agnes; Szymanski, Boleslaw K.; Korniss, Gyorgy; Bakdash, Jonathan Z.; Uzzi, Brian

Null models are established tools that have been used in network analysis to uncover various structural patterns. They quantify the deviance of an observed network measure to that given by the null model. We construct a null model for weighted, directed networks to identify biased links (carrying significantly different weights than expected according to the null model) and thus quantify the flatness of the system. Using this model, we study the flatness of Kiva, a large international crownfinancing network of borrowers and lenders, aggregated to the country level. The dataset spans the years from 2006 to 2013. Our longitudinal analysis shows that flatness of the system is reducing over time, meaning the proportion of biased inter-country links is growing. We extend our analysis by testing the robustness of the flatness of the network in perturbations on the links' weights or the nodes themselves. Examples of such perturbations are event shocks (e.g. erecting walls) or regulatory shocks (e.g. Brexit). We find that flatness is unaffected by random shocks, but changes after shocks target links with a large weight or bias. The methods we use to capture the flatness are based on analytics, simulations, and numerical computations using Shannon's maximum entropy. Supported by ARL NS-CTA.

Familial 4.3 Mb duplication of 21q22 sheds new light on the Down syndrome critical region

PubMed Central

Ronan, Anne; Fagan, Kerry; Christie, Louise; Conroy, Jeffrey; Nowak, Norma J; Turner, Gillian

2007-01-01

A 4.3 Mb duplication of chromosome 21 bands q22.13–q22.2 was diagnosed by interphase fluorescent in‐situ hybridisation (FISH) in a 31‐week gestational age baby with cystic hygroma and hydrops; the duplication was later found in the mother and in her 8‐year‐old daughter by the same method and confirmed by array comparative genomic hybridisation (aCGH). All had the facial gestalt of Down syndrome (DS). This is the smallest accurately defined duplication of chromosome 21 reported with a DS phenotype. The duplication encompasses the gene DYRK1 but not DSCR1 or DSCAM, all of which have previously been implicated in the causation of DS. Previous karyotype analysis and telomere screening of the mother, and karyotype analysis and metaphase FISH of a chorionic villus sample, had all failed to reveal the duplication. The findings in this family add to the identification and delineation of a “critical region” for the DS phenotype on chromosome 21. Cryptic chromosomal abnormalities can be missed on a routine karyotype for investigation of abnormal prenatal ultrasound findings, lending support to the use of aCGH analysis in this setting. PMID:17237124

Time to contact and the control of manual prehension.

PubMed

Watson, M K; Jakobson, L S

1997-11-01

In the present study, a kinematic analysis was made of unconstrained, natural prehension movements directed toward an object approaching the observer on a conveyor belt at one of three constant velocities, from one of three different directions (head-on or along the fronto-parallel plane coming either from the subject's left or right). Subjects were required to grasp the object when it reached a target located 20 cm directly in front of the hand's start position. The kinematic analysis revealed that both the transport and grasp components of the movement changed in response to the experimental manipulations, but did so in a manner that guaranteed that, for objects approaching from a given direction, hand closure would begin at a constant time prior to object contact (regardless of the object's approach speed). The kinematic analysis also revealed, however, that the onset of hand closure began earlier with objects approaching from the right than from other directions -- an effect which would not be predicted if time to contact was the key variable controlling the onset of hand closure. These results, then, lend only partial support to the theory that temporal coordination between the transport and grasp components of prehension is ensured through their common dependence on time to contact information.

Genetic characterization and phylogeography of the wild boar Sus scrofa introduced into Uruguay

PubMed Central

García, Graciela; Vergara, Julia; Lombardi, Raúl

2011-01-01

The European wild boar Sus scrofa was first introduced into Uruguay, in southern South America during the early decades of the last century. Subsequently, and starting from founder populations, its range spread throughout the country and into the neighbouring Brazilian state Rio Grande do Sul. Due to the subsequent negative impact, it was officially declared a national pest. The main aim in the present study was to provide a more comprehensive scenario of wild boar differentiation in Uruguay, by using mtDNA markers to access the genetic characterization of populations at present undergoing rapid expansion. A high level of haplotype diversity, intermediate levels of nucleotide diversity and considerable population differentiation, were detected among sampled localities throughout major watercourses and catchment dams countrywide. Phylogenetic analysis revealed the existence of two different phylogroups, thereby reflecting two deliberate introduction events forming distantly genetic lineages in local wild boar populations. Our analysis lends support to the hypothesis that the invasive potential of populations emerge from introgressive hybridization with domestic pigs. On taking into account the appreciable differentiation and reduced migration between locales in wild boar populations, management strategies could be effective if each population were to be considered as a single management unit. PMID:21734838

Massively Multithreaded Maxflow for Image Segmentation on the Cray XMT-2

PubMed Central

Bokhari, Shahid H.; Çatalyürek, Ümit V.; Gurcan, Metin N.

2014-01-01

SUMMARY Image segmentation is a very important step in the computerized analysis of digital images. The maxflow mincut approach has been successfully used to obtain minimum energy segmentations of images in many fields. Classical algorithms for maxflow in networks do not directly lend themselves to efficient parallel implementations on contemporary parallel processors. We present the results of an implementation of Goldberg-Tarjan preflow-push algorithm on the Cray XMT-2 massively multithreaded supercomputer. This machine has hardware support for 128 threads in each physical processor, a uniformly accessible shared memory of up to 4 TB and hardware synchronization for each 64 bit word. It is thus well-suited to the parallelization of graph theoretic algorithms, such as preflow-push. We describe the implementation of the preflow-push code on the XMT-2 and present the results of timing experiments on a series of synthetically generated as well as real images. Our results indicate very good performance on large images and pave the way for practical applications of this machine architecture for image analysis in a production setting. The largest images we have run are 320002 pixels in size, which are well beyond the largest previously reported in the literature. PMID:25598745

Computational Prediction of Shock Ignition Thresholds and Ignition Probability of Polymer-Bonded Explosives

NASA Astrophysics Data System (ADS)

Wei, Yaochi; Kim, Seokpum; Horie, Yasuyuki; Zhou, Min

2017-06-01

A computational approach is developed to predict the probabilistic ignition thresholds of polymer-bonded explosives (PBXs). The simulations explicitly account for microstructure, constituent properties, and interfacial responses and capture processes responsible for the development of hotspots and damage. The specific damage mechanisms considered include viscoelasticity, viscoplasticity, fracture, post-fracture contact, frictional heating, and heat conduction. The probabilistic analysis uses sets of statistically similar microstructure samples to mimic relevant experiments for statistical variations of material behavior due to inherent material heterogeneities. The ignition thresholds and corresponding ignition probability maps are predicted for PBX 9404 and PBX 9501 for the impact loading regime of Up = 200 --1200 m/s. James and Walker-Wasley relations are utilized to establish explicit analytical expressions for the ignition probability as a function of load intensities. The predicted results are in good agreement with available experimental measurements. The capability to computationally predict the macroscopic response out of material microstructures and basic constituent properties lends itself to the design of new materials and the analysis of existing materials. The authors gratefully acknowledge the support from Air Force Office of Scientific Research (AFOSR) and the Defense Threat Reduction Agency (DTRA).

Estimation of the Driving Style Based on the Users' Activity and Environment Influence.

PubMed

Sysoev, Mikhail; Kos, Andrej; Guna, Jože; Pogačnik, Matevž

2017-10-21

New models and methods have been designed to predict the influence of the user's environment and activity information to the driving style in standard automotive environments. For these purposes, an experiment was conducted providing two types of analysis: (i) the evaluation of a self-assessment of the driving style; (ii) the prediction of aggressive driving style based on drivers' activity and environment parameters. Sixty seven h of driving data from 10 drivers were collected for analysis in this study. The new parameters used in the experiment are the car door opening and closing manner, which were applied to improve the prediction accuracy. An Android application called Sensoric was developed to collect low-level smartphone data about the users' activity. The driving style was predicted from the user's environment and activity data collected before driving. The prediction was tested against the actual driving style, calculated from objective driving data. The prediction has shown encouraging results, with precision values ranging from 0.727 up to 0.909 for aggressive driving recognition rate. The obtained results lend support to the hypothesis that user's environment and activity data could be used for the prediction of the aggressive driving style in advance, before the driving starts.

An exploration of the extent and nature of reconceptualisation of pain following pain neurophysiology education: A qualitative study of experiences of people with chronic musculoskeletal pain.

PubMed

King, Rick; Robinson, Victoria; Ryan, Cormac G; Martin, Denis J

2016-08-01

Pain neurophysiology education (PNE), a method of pain education, purports to work by helping patients reconceptualise their pain, shifting from a tissue injury model towards a biopsychosocial understanding related to neural sensitivity. Better understanding of pain reconceptualisation following PNE is needed to improve the delivery of this educational approach to enhance its effectiveness. This study aimed to investigate the extent and nature of reconceptualisation following PNE. In a qualitative design, based on Interpretive Phenomenological Analysis, thematic analysis was carried out on individual interviews with 7 adults before and three weeks after receiving PNE at a pain clinic. Three themes emerged describing variable degrees of reconceptualisation; prior beliefs as facilitators and barriers to reconceptualisation; and the influence of reconceptualisation on clinical benefits of PNE. The results lend support to claims that reconceptualisation is an important mechanism in PNE and justify further investigation of this phenomenon. When delivering PNE to patients with chronic pain helping patients to reconceptualise their pain may be key to enhancing the clinical benefits of the intervention. Understanding prior beliefs may be an important step in facilitating reconceptualisation. Copyright © 2016 Elsevier Ireland Ltd. All rights reserved.

Bulk Insolation Models as Predictors for Locations for High Lunar Hydrogen Concentrations

NASA Technical Reports Server (NTRS)

Mcclanahan, T. P.; Mitrofanov, I.G.; Boynton, W. V.; Chin, G.; Starr, R. D.; Evans, L. G.; Sanin, A.; Livengood, T.; Sagdeev, R.; Milikh, G.

2013-01-01

In this study we consider the bulk effects of surface illumination on topography (insolation) and the possible thermodynamic effects on the Moon's hydrogen budget. Insolation is important as one of the dominant loss processes governing distributions of hydrogen volatiles on the Earth, Mars and most recently Mercury. We evaluated three types of high latitude > 65 deg., illumination models that were derived from the Lunar Observing Laser Altimetry (LOLA) digital elevation models (DEM)'s. These models reflect varying accounts of solar flux interactions with the Moon's near-surface. We correlate these models with orbital collimated epithermal neutron measurements made by the Lunar Exploration Neutron Detector (LEND). LEND's measurements derive the Moon's spatial distributions of hydrogen concentration. To perform this analysis we transformed the topographic model into an insolation model described by two variables as each pixels 1) slope and 2) slope angular orientation with respect to the pole. We then decomposed the illumination models and epithermal maps as a function of the insolation model and correlate the datasets.

An evaluation of the feedback loops in the poverty focus of world bank operations.

PubMed

Fardoust, Shahrokh; Kanbur, Ravi; Luo, Xubei; Sundberg, Mark

2018-04-01

The World Bank Group in 2013 made the elimination of extreme poverty by 2030 a central institutional focus and purpose. This paper, based on an evaluation conducted by the Independent Evaluation Group of the World Bank Group, examines how, and how well, the Bank uses feedback loops to enhance the poverty focus of its operations. Feedback loops are important for every element of the results chain running from data, to diagnostics, to strategy formulation and finally to strategy implementation. The evaluation uses a range of instruments, including surveys of stakeholders and World Bank staff, focus group meetings, country case studies and systematic reviews of Bank lending and non-lending operations. We find that while the Bank generates useful information on poverty reduction from its projects and programs, the feedback loops - from outcomes to data analysis to diagnostics to strategy formulation and implementation - have generally been weak, with sizable variation across countries. Copyright © 2017 The World Bank. Published by Elsevier Ltd.. All rights reserved.

[Study of the work and of working in Family Health Care Support Center].

PubMed

Lancman, Selma; Gonçalves, Rita Maria de Abreu; Cordone, Nicole Guimarães; Barros, Juliana de Oliveira

2013-10-01

To understand the organization of and the working conditions in family health care support centers, as well as subjective experiences related to work in two of these centers. This was a case study carried out during 2011 and 2012 in two family health care support centers in Sao Paulo, Southeastern Brazil. Data were collected and analyzed using two theoretical-methodological references from ergonomics and work psychodynamics influenced, respectively, by ergonomic work analysis, developed based on open observations of a variety of tasks and on interviews and in practice in work psychodynamics, carried out using think tanks about the work. The work of the Family Health Care Support Centers in question is constituted on the bases of complex, diversified actions to be shared among the various professionals and teams involved. Innovative technological tools, which are not often adopted by primary health care professionals, are used and the parameters and productivity measures do not encompass the specificity and the complexity of the work performed. These situations require constant organizational rearrangement, especially between the Family Health Care Support Centers and the Family Health Care Teams, causing difficulties in carrying out the work as well as in constituting the identity of the professionals studied. The study attempts to lend greater visibility to the work processes at the Family Health Care Support Centers in order to contribute to advances in public policy on primary healthcare. It is important to stress that introducing changes at work, which affect both its organization and work conditions, is above all a commitment, which to be effective, must be permanent and must involve the different levels of hierarchy.

Application of several physical techniques in the total analysis of a canine urinary calculus.

PubMed

Rodgers, A L; Mezzabotta, M; Mulder, K J; Nassimbeni, L R

1981-06-01

A single calculus from the bladder of a Beagle bitch has been analyzed by a multiple technique approach employing x-ray diffraction, infrared spectroscopy, scanning electron microscopy, x-ray fluorescence spectrometry, atomic absorption spectrophotometry and density gradient fractionation. The qualitative and quantitative data obtained showed excellent agreement, lending confidence to such an approach for the evaluation and understanding of stone disease.

12 CFR 528.9 - Guidelines relating to nondiscrimination in lending.

Code of Federal Regulations, 2012 CFR

2012-01-01

... achieved by means which are not discriminatory in effect or less discriminatory in effect. (c) Discriminatory practices—(1) Discrimination on the basis of sex or marital status. The Civil Rights Act of 1968 and the National Housing Act prohibit discrimination in lending on the basis of sex. The Equal Credit...

31 CFR 800.303 - Lending transactions.

Code of Federal Regulations, 2014 CFR

2014-07-01

... profits of a U.S. business, the right to appoint members of the board of directors of the U.S. business... 31 Money and Finance:Treasury 3 2014-07-01 2014-07-01 false Lending transactions. 800.303 Section 800.303 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE OF...

31 CFR 800.303 - Lending transactions.

Code of Federal Regulations, 2011 CFR

2011-07-01

... profits of a U.S. business, the right to appoint members of the board of directors of the U.S. business... 31 Money and Finance:Treasury 3 2011-07-01 2011-07-01 false Lending transactions. 800.303 Section 800.303 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE OF...

31 CFR 800.303 - Lending transactions.

Code of Federal Regulations, 2012 CFR

2012-07-01

... profits of a U.S. business, the right to appoint members of the board of directors of the U.S. business... 31 Money and Finance:Treasury 3 2012-07-01 2012-07-01 false Lending transactions. 800.303 Section 800.303 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE OF...

31 CFR 800.303 - Lending transactions.

Code of Federal Regulations, 2013 CFR

2013-07-01

... profits of a U.S. business, the right to appoint members of the board of directors of the U.S. business... 31 Money and Finance:Treasury 3 2013-07-01 2013-07-01 false Lending transactions. 800.303 Section 800.303 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE OF...

75 FR 58469 - Regulation Z; Truth in Lending

Federal Register 2010, 2011, 2012, 2013, 2014

2010-09-24

... Congress enacted the Truth in Lending Act (TILA) based on findings that economic stability would be... 2503 of the Housing and Economic Recovery Act of 2008, Public Law 110-289, enacted on July 30, 2008. The MDIA was later amended by the Emergency Economic Stabilization Act of 2008, Public Law 110-343...

75 FR 8772 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Order Approving...

Federal Register 2010, 2011, 2012, 2013, 2014

2010-02-25

... broker-customer relationship; or (5) the lending arrangement is based on a business relationship outside of the broker-customer relationship. In addition, with the exception of lending arrangements between... for a loan that is not the product of the broker- customer relationship would not vitiate the idea...

Education & Entrepreneurship: Implications for Contemporary Microfinance

ERIC Educational Resources Information Center

Gnegy, Alan M.; Wilson, Alan J.; Sementa, Albert; McWilliams, Aman; Helmer, Caitlin; Kidwell, Jacob; Swaim, Kelsey L.; Neidermeyer, Presha E.

2011-01-01

In world regions receiving direct foreign aid, beneficiaries of aid often lack the education required to remove themselves from poverty. Micro-lending refers to the initiation of small loans to the neediest of borrowers who are unable to secure traditional financing from financial intermediaries. In order for micro-lending to thrive as a viable…

32 CFR 113.6 - Procedures.

Code of Federal Regulations, 2011 CFR

2011-07-01

... indebtedness complaints to show that they have met the disclosure requirements of the Truth in Lending Act (15... the Military Service as required by the Truth in Lending Act (15 U.S.C. 1601 note, 1601-1614, 1631... collect this post-application interest provided it is an amount owed pursuant to the judgment. DFAS shall...

77 FR 39387 - Loan Policies and Operations; Lending and Leasing Limits and Risk Management; Effective Date

Federal Register 2010, 2011, 2012, 2013, 2014

2012-07-03

... FARM CREDIT ADMINISTRATION 12 CFR Part 614 RIN 3052-AC60 Loan Policies and Operations; Lending and Leasing Limits and Risk Management; Effective Date AGENCY: Farm Credit Administration. ACTION: Notice of effective date. SUMMARY: The Farm Credit Administration (FCA or Agency), through the FCA Board (Board...

12 CFR 560.31 - Election regarding categorization of loans or investments and related calculations.

Code of Federal Regulations, 2010 CFR

2010-01-01

... included in the calculation of a percentage-of-assets or percentage-of-capital investment limitation only... investments and related calculations. 560.31 Section 560.31 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY LENDING AND INVESTMENT Lending and Investment Powers for Federal Savings...

12 CFR 550.370 - May I sell assets or lend money between fiduciary accounts?

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 5 2010-01-01 2010-01-01 false May I sell assets or lend money between fiduciary accounts? 550.370 Section 550.370 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY FIDUCIARY POWERS OF SAVINGS ASSOCIATIONS Exercising Fiduciary Powers Restrictions on Self...

Banking on Solar: New Opportunities for Lending (Fact Sheet)

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

Not Available

The U.S. solar industry is a $13.7 billion market with roughly 450,000 systems in place. Bank and credit union lending for solar system deployment represents a valuable new opportunity for lenders to expand their consumer and commercial customer relationships, bring on new relationships and open a new asset class category.

What Truth in Lending Means to You.

ERIC Educational Resources Information Center

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

Designed for the general public and possibly suitable also for high school economics students, this pamphlet discusses the provisions of the Truth in Lending Law. The act requires that creditors state credit charges in a uniform way. The pamphlet provides a brief description of finance charges and annual percentage rates. It also focuses on…

75 FR 11641 - Community Reinvestment Act; Interagency Questions and Answers Regarding Community Reinvestment...

Federal Register 2010, 2011, 2012, 2013, 2014

2010-03-11

... lending test applicable to large institutions, its content may also be applicable to, for example, small... the guidance that describes the lending, investment, and service tests. The Questions and Answers are... received total quantitative CRA consideration. Although this is true if the express, bona fide intent of...

IFLA General Conference, 1985. Division on Collections and Services. Section on Interlending and Document Delivery. Papers.

ERIC Educational Resources Information Center

International Federation of Library Associations, The Hague (Netherlands).

Papers on interlibrary loans and document delivery which were presented at the 1985 International Federation of Library Associations (IFLA) conference include: (1) "The Activities of the IFLA Office for International Lending" (Richard J. Bennett, British Library Lending Division, United Kingdom); (2) "Electronic Networking for…

12 CFR 34.4 - Applicability of state law.

Code of Federal Regulations, 2011 CFR

2011-01-01

... Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY REAL ESTATE LENDING AND... authorized real estate lending powers do not apply to national banks. Specifically, a national bank may make real estate loans under 12 U.S.C. 371 and § 34.3, without regard to state law limitations concerning...

12 CFR 528.9 - Guidelines relating to nondiscrimination in lending.

Code of Federal Regulations, 2013 CFR

2013-01-01

... discrimination based on race, color, religion, sex, handicap, familial status (having one or more children under...) Discriminatory practices—(1) Discrimination on the basis of sex or marital status. The Civil Rights Act of 1968 and the National Housing Act prohibit discrimination in lending on the basis of sex. The Equal Credit...

12 CFR 128.9 - Guidelines relating to nondiscrimination in lending.

Code of Federal Regulations, 2012 CFR

2012-01-01

... discrimination based on race, color, religion, sex, handicap, familial status (having one or more children under...) Discriminatory practices—(1) Discrimination on the basis of sex or marital status. The Civil Rights Act of 1968 and the National Housing Act prohibit discrimination in lending on the basis of sex. The Equal Credit...

12 CFR 528.9 - Guidelines relating to nondiscrimination in lending.

Code of Federal Regulations, 2011 CFR

2011-01-01

... discrimination based on race, color, religion, sex, handicap, familial status (having one or more children under...) Discriminatory practices—(1) Discrimination on the basis of sex or marital status. The Civil Rights Act of 1968 and the National Housing Act prohibit discrimination in lending on the basis of sex. The Equal Credit...

12 CFR 560.37 - Real estate for office and related facilities.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 12 Banks and Banking 6 2014-01-01 2012-01-01 true Real estate for office and related facilities... LENDING AND INVESTMENT Lending and Investment Powers for Federal Savings Associations § 560.37 Real estate for office and related facilities. A federal savings association may invest in real estate (improved...

78 FR 59380 - Agency Information Collection Activities: Submission to OMB for Reinstatement, With Change, of a...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-09-26

... to NCUA's regulation on nondiscrimination requirements in real estate-related lending. DATES... collection of information for 12 CFR 701.31, Nondiscrimination Requirements in Real Estate- Related Lending... et seq. It requires each Federal credit union (FCU) to maintain a copy of the real estate appraisal...