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)

Toward Mass Customization of Health Information

PubMed Central

de la Cruz, Norberto B.; Kahn, Charles E.

1999-01-01

As a part of its community outreach efforts, the Medical College of Wisconsin developed the “MCW HealthLink” health information resource. The philosophy, design and implementation of the site lend well to steering future developments towards mass customization of health information.

12 CFR 1805.802 - Assistance Agreement; sanctions.

Code of Federal Regulations, 2010 CFR

2010-01-01

... internal controls; and/or (4) Achieve specific lending, investment, and development service objectives... TREASURY COMMUNITY DEVELOPMENT FINANCIAL INSTITUTIONS PROGRAM Terms and Conditions of Assistance § 1805.802... Investment Area(s) includes an Indian Reservation or Targeted Population(s) includes an Indian Tribe, the...

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...

Development, validation, and utility of an instrument to assess core competencies in the Leadership Education in Neurodevelopmental and Related Disabilities (LEND) program.

PubMed

Leff, Stephen S; Baum, Katherine T; Bevans, Katherine B; Blum, Nathan J

2015-02-01

To describe the development and psychometric evaluation of the Core Competency Measure (CCM), an instrument designed to assess professional competencies as defined by the Maternal Child Health Bureau (MCHB) and targeted by Leadership Education in Neurodevelopmental and Related Disabilities (LEND) programs. The CCM is a 44-item self-report measure comprised of six subscales to assess clinical, interdisciplinary, family-centered/cultural, community, research, and advocacy/policy competencies. The CCM was developed in an iterative fashion through participatory action research, and then nine cohorts of LEND trainees (N = 144) from 14 different disciplines completed the CCM during the first week of the training program. A 6-factor confirmatory factor analysis model was fit to data from the 44 original items. After three items were removed, the model adequately fit the data (comparative fit indices = .93, root mean error of approximation = .06) with all factor loadings exceeding .55. The measure was determined to be quite reliable as adequate internal consistency and test-retest reliability were found for each subscale. The instrument's construct validity was supported by expected differences in self-rated competencies among fellows representing various disciplines, and the convergent validity was supported by the pattern of inter-correlations between subscale scores. The CCM appears to be a reliable and valid measure of MCHB core competencies for our sample of LEND trainees. It provides an assessment of key training areas addressed by the LEND program. Although the measure was developed within only one LEND Program, with additional research it has the potential to serve as a standardized tool to evaluate the strengths and limitations of MCHB training, both within and between programs.

12 CFR 560.30 - General lending and investment powers of Federal savings associations.

Code of Federal Regulations, 2011 CFR

2011-01-01

... real property loans 5(c)(2)(B) 400% of total capital. 14 Open-end management investment companies 15 5(c)(1)(Q) None. 6 Rural business investment companies 7 U.S.C. 2009cc-9 Five percent of total capital... further community, inner city, or community development purposes. 16 Small business investment companies...

77 FR 19750 - Office of Domestic Finance; Small Business, Community Development and Affordable Housing Policy...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-04-02

...The Department of Treasury, as part of its continuing effort to reduce paperwork and respondent burden, invites the general public and other Federal agencies to take this opportunity to comment on proposed information collections, as required by the Paperwork Reduction Act of 1995, Public Law 104-13 (44 U.S.C. 3506(c)(2)(A)). Currently, the Small Business Lending Fund (SBLF) within the Department of Treasury is soliciting comments concerning the Small Business Lending Survey it proposes to administer to participants in the SBLF.

77 FR 42831 - Office of Domestic Finance; Small Business, Community Development and Affordable Housing Policy...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-07-20

...The Department of Treasury, as part of its continuing effort to reduce paperwork and respondent burden, invites the general public and other Federal agencies to take this opportunity to comment on proposed information collections, as required by the Paperwork Reduction Act of 1995, Public Law 104-13 (44 U.S.C. 3506(c)(2)(A)). Currently, the Small Business Lending Fund (SBLF) within the Department of Treasury is soliciting comments concerning the Small Business Lending Survey it proposes to administer to participants in the SBLF.

7 CFR 1779.27 - Lenders.

Code of Federal Regulations, 2010 CFR

2010-01-01

... System institution with direct lending authority authorized to make loans of the type guaranteed by this... incidental to making and servicing guaranteed loans involving community development-type projects. Lenders.... (b) Conflict of interest. When the lender's officers, stockholders, directors, or partners (including...

Sharing prescription medicines: results of a survey of community pharmacy clients in Auckland, New Zealand.

PubMed

Gascoyne, Alexandra; Beyene, Kebede; Stewart, Joanna; Aspden, Trudi; Sheridan, Janie

2014-12-01

The practice of medication sharing, the lending (giving) or borrowing (taking) of prescription medicines, has been reported increasingly in the literature. This study aimed to investigate prescription medication sharing practices among adults in Auckland, New Zealand. Community pharmacies in Auckland. A cross-sectional survey was conducted in ten community pharmacies in Auckland during March, 2012. Clients were invited to complete an anonymous questionnaire to assess their medication sharing practices. Proportion of respondents reporting lending or borrowing; information provided or received. Of all participants (N = 642), 25.5% reported borrowing, and 24.1% reported lending prescribed medicines in the past year. Furthermore, 14.8% of participants reported ever giving a child's prescribed medicine to another child in their care, and 49.8% reported having leftover prescription medicines at home. Of those who borrowed medicines (n = 164), 56.1% received written medication instructions from the lender, and of the lenders (n = 155), 47.1% provided verbal instructions with the lent medicines. The sharing of prescription medicines in Auckland appears to be similar to that reported in other developed countries, and it is now clear that information provision while sharing does not always occur. Approaches to reduce harm resulting from sharing medicines should be explored.

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

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.

Lending, Learning, Leading: Developing Results-Based Leaders in Opportunity Finance

ERIC Educational Resources Information Center

Annie E. Casey Foundation, 2015

2015-01-01

This report tells the story of the CDFI Leadership Learning Network, a Casey Foundation initiative to equip leaders of community development finance institutions with the tools of results-based leadership (RBL). The Foundation shares lessons learned from the network, core RBL concepts and profiles of CDFI leaders as they apply RBL skills and tools…

12 CFR 35.4 - Fulfillment of the CRA.

Code of Federal Regulations, 2010 CFR

2010-01-01

... and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY DISCLOSURE AND REPORTING OF CRA..., home-improvement, small business, small farm, community development, and consumer lending, as described... the case of an insured depository institution that is evaluated on the basis of a strategic plan, any...

12 CFR 533.4 - Fulfillment of the CRA

Code of Federal Regulations, 2010 CFR

2010-01-01

... Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY DISCLOSURE AND REPORTING OF..., home-improvement, small business, small farm, community development, and consumer lending, as described... the case of an insured depository institution that is evaluated on the basis of a strategic plan, any...

12 CFR 345.28 - Assigned ratings.

Code of Federal Regulations, 2010 CFR

2010-01-01

...,” “satisfactory,” “needs to improve,” or “substantial noncompliance” based on the bank's performance under the lending, investment and service tests, the community development test, the small bank performance... evaluation of a bank's CRA performance is adversely affected by evidence of discriminatory or other illegal...

Dissemination of an Electronic Manual to Build Capacity for Implementing Farmers' Markets with Community Health Centers.

PubMed

Guest, M Aaron; Freedman, Darcy; Alia, Kassandra A; Brandt, Heather M; Friedman, Daniela B

2015-10-01

Community-university partnerships can lend themselves to the development of tools that encourage and promote future community health development. The electronic manual, "Building Farmacies," describes an approach for developing capacity and sustaining a community health center-based farmers' market that emerged through a community-university partnership. Manual development was guided by the Knowledge to Action Framework and experiences developing a multivendor, produce-only farmers' market at a community health center in rural South Carolina. The manual was created to illustrate an innovative solution for community health development. The manual was disseminated electronically through 25 listservs and interested individuals voluntarily completed a Web-based survey to access the free manual. During the 6-month dissemination period, 271 individuals downloaded the manual. Findings highlighted the value of translating community-based participatory research into user-friendly manuals to guide future intervention development and dissemination approaches, and demonstrate the need to include capacity building opportunities to support translation and adoption of interventions. © 2015 Wiley Periodicals, Inc.

12 CFR 345.21 - Performance tests, standards, and ratings, in general.

Code of Federal Regulations, 2012 CFR

2012-01-01

... from community organizations, state, local, and tribal governments, economic development agencies, or... of the bank, the economic climate (national, regional, and local), safety and soundness limitations... in Lending Act (15 U.S.C. 1650(a)(7)) (including a loan under a state or local education loan program...

12 CFR 25.21 - Performance tests, standards, and ratings, in general.

Code of Federal Regulations, 2013 CFR

2013-01-01

... from community organizations, state, local, and tribal governments, economic development agencies, or... of the bank, the economic climate (national, regional, and local), safety and soundness limitations... Lending Act (15 U.S.C. 1650(a)(7)) (including a loan under a state or local education loan program...

12 CFR 345.21 - Performance tests, standards, and ratings, in general.

Code of Federal Regulations, 2014 CFR

2014-01-01

... from community organizations, state, local, and tribal governments, economic development agencies, or... of the bank, the economic climate (national, regional, and local), safety and soundness limitations... in Lending Act (15 U.S.C. 1650(a)(7)) (including a loan under a state or local education loan program...

12 CFR 345.21 - Performance tests, standards, and ratings, in general.

Code of Federal Regulations, 2011 CFR

2011-01-01

... from community organizations, state, local, and tribal governments, economic development agencies, or... of the bank, the economic climate (national, regional, and local), safety and soundness limitations... in Lending Act (15 U.S.C. 1650(a)(7)) (including a loan under a state or local education loan program...

12 CFR 228.21 - Performance tests, standards, and ratings, in general.

Code of Federal Regulations, 2013 CFR

2013-01-01

... obtained from community organizations, state, local, and tribal governments, economic development agencies... condition of the bank, the economic climate (national, regional, and local), safety and soundness... in Lending Act (15 U.S.C. 1650(a)(7)) (including a loan under a state or local education loan program...

12 CFR 345.21 - Performance tests, standards, and ratings, in general.

Code of Federal Regulations, 2013 CFR

2013-01-01

... from community organizations, state, local, and tribal governments, economic development agencies, or... of the bank, the economic climate (national, regional, and local), safety and soundness limitations... in Lending Act (15 U.S.C. 1650(a)(7)) (including a loan under a state or local education loan program...

12 CFR 25.21 - Performance tests, standards, and ratings, in general.

Code of Federal Regulations, 2012 CFR

2012-01-01

... from community organizations, state, local, and tribal governments, economic development agencies, or... of the bank, the economic climate (national, regional, and local), safety and soundness limitations... Lending Act (15 U.S.C. 1650(a)(7)) (including a loan under a state or local education loan program...

12 CFR 228.21 - Performance tests, standards, and ratings, in general.

Code of Federal Regulations, 2014 CFR

2014-01-01

... obtained from community organizations, state, local, and tribal governments, economic development agencies... condition of the bank, the economic climate (national, regional, and local), safety and soundness... in Lending Act (15 U.S.C. 1650(a)(7)) (including a loan under a state or local education loan program...

12 CFR 25.21 - Performance tests, standards, and ratings, in general.

Code of Federal Regulations, 2014 CFR

2014-01-01

... from community organizations, state, local, and tribal governments, economic development agencies, or... of the bank, the economic climate (national, regional, and local), safety and soundness limitations... Lending Act (15 U.S.C. 1650(a)(7)) (including a loan under a state or local education loan program...

12 CFR 228.21 - Performance tests, standards, and ratings, in general.

Code of Federal Regulations, 2011 CFR

2011-01-01

... obtained from community organizations, state, local, and tribal governments, economic development agencies... condition of the bank, the economic climate (national, regional, and local), safety and soundness... in Lending Act (15 U.S.C. 1650(a)(7)) (including a loan under a state or local education loan program...

12 CFR 228.21 - Performance tests, standards, and ratings, in general.

Code of Federal Regulations, 2012 CFR

2012-01-01

... obtained from community organizations, state, local, and tribal governments, economic development agencies... condition of the bank, the economic climate (national, regional, and local), safety and soundness... in Lending Act (15 U.S.C. 1650(a)(7)) (including a loan under a state or local education loan program...

12 CFR 25.21 - Performance tests, standards, and ratings, in general.

Code of Federal Regulations, 2011 CFR

2011-01-01

... from community organizations, state, local, and tribal governments, economic development agencies, or... of the bank, the economic climate (national, regional, and local), safety and soundness limitations... Lending Act (15 U.S.C. 1650(a)(7)) (including a loan under a state or local education loan program...

76 FR 40738 - Agency Information Collection Activities: Proposed Collection; Comment Request; Standard Flood...

Federal Register 2010, 2011, 2012, 2013, 2014

2011-07-11

... Community Development and Regulatory Improvement Act of 1994 was signed into law. Section 303 (a) of this... requirement for federally regulated lending institutions to determine whether a building or mobile home... Regulatory Improvement Act of 1994. The establishment of the Standard Flood Hazard Determination form has...

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

Haven't We Been Here Before? Some Comments on Steve Coffman's Proposal for "Earth's Largest Library".

ERIC Educational Resources Information Center

McGervey, Teresa

2000-01-01

Discusses the concept of Earth's Largest Library (ELL), a mega-virtual library based on the Amazon.com model. Topics include who will be included; privacy; censorship; scope of the collection; costs; legal aspects; collection development; personnel management; access; the concept of community; public service; lending policies; technical…

12 CFR 563e.28 - Assigned ratings.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Assigned ratings. 563e.28 Section 563e.28 Banks... for Assessing Performance § 563e.28 Assigned ratings. (a) Ratings in general. Subject to paragraphs (b... performance under the lending, investment and service tests, the community development test, the small savings...

Dissemination of an Electronic Manual to Build Capacity for Implementing Farmers’ Markets with Community Health Centers

PubMed Central

Guest, M. Aaron; Alia, Kassandra A.; Brandt, Heather M.; Friedman, Daniela B.

2015-01-01

Abstract Community–university partnerships can lend themselves to the development of tools that encourage and promote future community health development. The electronic manual, “Building Farmacies,” describes an approach for developing capacity and sustaining a community health center–based farmers’ market that emerged through a community–university partnership. Manual development was guided by the Knowledge to Action Framework and experiences developing a multivendor, produce‐only farmers’ market at a community health center in rural South Carolina. The manual was created to illustrate an innovative solution for community health development. The manual was disseminated electronically through 25 listservs and interested individuals voluntarily completed a Web‐based survey to access the free manual. During the 6‐month dissemination period, 271 individuals downloaded the manual. Findings highlighted the value of translating community‐based participatory research into user‐friendly manuals to guide future intervention development and dissemination approaches, and demonstrate the need to include capacity building opportunities to support translation and adoption of interventions. PMID:26296392

A Guide to Develop Programs for Family Living and Personal Growth.

ERIC Educational Resources Information Center

Iowa State Dept. of Public Instruction, Des Moines.

This publication has been designed to augment existing community programs and to initiate sound educational programs which will include the sexuality dimension in the total curriculum, kindergarten through grade 12. It is hoped that it will lend some clarity so such questions as should the schools teach sex education; and if so, what, by whom, how…

A History of Toy Lending Libraries in the United States Since 1935.

ERIC Educational Resources Information Center

Moore, Julia E.

This paper traces the history of the toy library, a facility or program created to loan toys to children, parents, child care providers, teachers, and play therapists. Types of toy lending libraries are the community toy library, the supplemental toy library, the cooperative neighborhood toy library, and the mobile toy library. The first toy…

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...

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...

Impact of savings groups on the lives of the poor

PubMed Central

Karlan, Dean; Savonitto, Beniamino; Thuysbaert, Bram; Udry, Christopher

2017-01-01

Savings-led microfinance programs operate in poor rural communities in developing countries to establish groups that save and then lend out the accumulated savings to each other. Nonprofit organizations train villagers to create and lead these groups. In a clustered randomized evaluation spanning three African countries (Ghana, Malawi, and Uganda), we find that the promotion of these community-based microfinance groups leads to an improvement in household business outcomes and women’s empowerment. However, we do not find evidence of impacts on average consumption or other livelihoods. PMID:28270615

Safe and Secure: Community Colleges in the Post-9/11 World.

ERIC Educational Resources Information Center

Blezard, Rob

2002-01-01

Discusses ways in which community colleges are lending their expertise and experience to help make the nation safer after the September 11th attacks. Reports that community colleges are instituting public safety and cybersecurity measures on their campuses and teaching others to do the same. Adds that community colleges are also training public…

Austin's Home Performance with Energy Star Program: Making a Compelling Offer to a Financial Institution Partner

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

Zimring, Mark

2011-03-18

Launched in 2006, over 8,700 residential energy upgrades have been completed through Austin Energy's Home Performance with Energy Star (HPwES) program. The program's lending partner, Velocity Credit Union (VCU) has originated almost 1,800 loans, totaling approximately $12.5 million. Residential energy efficiency loans are typically small, and expensive to originate and service relative to larger financing products. National lenders have been hesitant to deliver attractive loan products to this small, but growing, residential market. In response, energy efficiency programs have found ways to partner with local and regional banks, credit unions, community development finance institutions (CDFIs) and co-ops to deliver energymore » efficiency financing to homeowners. VCU's experience with the Austin Energy HPwES program highlights the potential benefits of energy efficiency programs to a lending partner.« less

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...

75 FR 81096 - Federal Home Loan Bank Housing Goals

Federal Register 2010, 2011, 2012, 2013, 2014

2010-12-27

...) 408-2537, or Rafe R. Ellison, Senior Program Analyst, (202) 408-2968, Office of Housing and Community... mortgage lending and related community investment. See 12 U.S.C. 1421 et seq. The System is composed of 12... management, liquidity for a member's short-term needs, and additional funds for housing finance and community...

Microbial community composition affects soil fungistasis.

PubMed

de Boer, Wietse; Verheggen, Patrick; Klein Gunnewiek, Paulien J A; Kowalchuk, George A; van Veen, Johannes A

2003-02-01

Most soils inhibit fungal germination and growth to a certain extent, a phenomenon known as soil fungistasis. Previous observations have implicated microorganisms as the causal agents of fungistasis, with their action mediated either by available carbon limitation (nutrient deprivation hypothesis) or production of antifungal compounds (antibiosis hypothesis). To obtain evidence for either of these hypotheses, we measured soil respiration and microbial numbers (as indicators of nutrient stress) and bacterial community composition (as an indicator of potential differences in the composition of antifungal components) during the development of fungistasis. This was done for two fungistatic dune soils in which fungistasis was initially fully or partly relieved by partial sterilization treatment or nutrient addition. Fungistasis development was measured as restriction of the ability of the fungi Chaetomium globosum, Fusarium culmorum, Fusarium oxysporum, and Trichoderma harzianum to colonize soils. Fungistasis did not always reappear after soil treatments despite intense competition for carbon, suggesting that microbial community composition is important in the development of fungistasis. Both microbial community analysis and in vitro antagonism tests indicated that the presence of pseudomonads might be essential for the development of fungistasis. Overall, the results lend support to the antibiosis hypothesis.

78 FR 16765 - Community Reinvestment Act; Interagency Questions and Answers Regarding Community Reinvestment...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-03-18

... lending test rating, and the other addresses the quantitative consideration given to a certain type of... activities would receive when examiners considered them, not the quantitative consideration that those... quantitative) in the institution's CRA evaluation. As a result, such financial institutions may have been...

Satellite Communities: Proposal for a New Housing Program

ERIC Educational Resources Information Center

Weissbourd, Bernard

1972-01-01

Proposes that the Federal Government should embark on a land-acquisition program for new satellite communities; that antidiscrimination laws should be enforced by lending authorities and savings and loan associations; that existing subsidies for housing should be redirected toward low-income families; and that the government should provide funds…

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...

49 CFR 22.21 - Participation criteria.

Code of Federal Regulations, 2012 CFR

2012-10-01

... five (5) years; (b) It must demonstrate a philosophy and history of lending to small, disadvantaged and women-owned businesses in their communities. Information will be requested by the Director on the number...

49 CFR 22.21 - Participation criteria.

Code of Federal Regulations, 2014 CFR

2014-10-01

... five (5) years; (b) It must demonstrate a philosophy and history of lending to small, disadvantaged and women-owned businesses in their communities. Information will be requested by the Director on the number...

49 CFR 22.21 - Participation criteria.

Code of Federal Regulations, 2011 CFR

2011-10-01

... five (5) years; (b) It must demonstrate a philosophy and history of lending to small, disadvantaged and women-owned businesses in their communities. Information will be requested by the Director on the number...

49 CFR 22.21 - Participation criteria.

Code of Federal Regulations, 2013 CFR

2013-10-01

... five (5) years; (b) It must demonstrate a philosophy and history of lending to small, disadvantaged and women-owned businesses in their communities. Information will be requested by the Director on the number...

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...

The Transformation of Metropolitan Universities: A Case Study of Rutgers University-Newark and Its Community Engagement Programs, 1967-2010

ERIC Educational Resources Information Center

Hill, Diane

2012-01-01

During the past decade, urban colleges and universities have been undergoing changes attributable to the reemergence of outreach initiatives. More recently, these outreach efforts have been specifically designed to increase community engagement among faculty and students and to lend the institution's scientific, policy and social service expertise…

CXBN-2 CubeSat – ELaNa XVII

NASA Image and Video Library

2016-12-08

The Cosmic X-Ray Background NanoSat-2 (CXBN-2) CubeSat Mission developed by Morehead State University and its partners the Keldysh Institute (Moscow, Russia), the Maysville Community and Technical College (Morehead, KY) and KYSpace LLC (Lexington, KY) will increase the precision of measurements of the Cosmic X-Ray Background in the 30-50 keV range to a precision of <5%, thereby constraining models that attempt to explain the relative contribution of proposed sources lending insight into the underlying physics of the early universe. The mission addresses a fundamental science question that is central to our understanding of the structure, origin, and evolution of the universe by potentially lending insight into both the high-energy background radiation and into the evolution of primordial galaxies. Launched by NASA’s CubeSat Launch Initiative NET April 18, 2017 ELaNa XVII mission on the seventh Orbital-ATK Cygnus Commercial Resupply Services (OA-7) to the International Space Station and deployed on tbd.

Microbial Community Composition Affects Soil Fungistasis†

PubMed Central

de Boer, Wietse; Verheggen, Patrick; Klein Gunnewiek, Paulien J. A.; Kowalchuk, George A.; van Veen, Johannes A.

2003-01-01

Most soils inhibit fungal germination and growth to a certain extent, a phenomenon known as soil fungistasis. Previous observations have implicated microorganisms as the causal agents of fungistasis, with their action mediated either by available carbon limitation (nutrient deprivation hypothesis) or production of antifungal compounds (antibiosis hypothesis). To obtain evidence for either of these hypotheses, we measured soil respiration and microbial numbers (as indicators of nutrient stress) and bacterial community composition (as an indicator of potential differences in the composition of antifungal components) during the development of fungistasis. This was done for two fungistatic dune soils in which fungistasis was initially fully or partly relieved by partial sterilization treatment or nutrient addition. Fungistasis development was measured as restriction of the ability of the fungi Chaetomium globosum, Fusarium culmorum, Fusarium oxysporum, and Trichoderma harzianum to colonize soils. Fungistasis did not always reappear after soil treatments despite intense competition for carbon, suggesting that microbial community composition is important in the development of fungistasis. Both microbial community analysis and in vitro antagonism tests indicated that the presence of pseudomonads might be essential for the development of fungistasis. Overall, the results lend support to the antibiosis hypothesis. PMID:12571002

Solar Stimulus: Perceptions of banks and credit unions towards solar loans in Massachusetts

NASA Astrophysics Data System (ADS)

Bahirwani, Suveer

Access to finance for residential solar photovoltaic systems (PV) is an essential element of the clean energy economy. Perceptions about solar PV and solar loans among lenders at banks and credit unions shape the availability of lending products for residential solar PV. In March 2015, interviews were carried out among select informants and subsequently, between April and May 2015, a survey was conducted to gauge the perceptions of lenders in Massachusetts. Lenders have a range of concerns with the market and the provision of solar loans. These concerns can be grouped around risk, market size or viability and policy uncertainty. In summary, lending for this segment is not a priority for banks and credit unions in Massachusetts at this time. Recommendations are offered for the lending community and policymakers to improve adoption. Questions for further research are also presented.

Building for the Future: A Guide to Facilities Loan Funds for Community-Based Child and Family Services.

ERIC Educational Resources Information Center

Sussman, Carl

This guidebook assesses the feasibility and potential impact a specialized lending program might have on the capital needs of community-based child and family services. It explains the need for quality facilities and how physical space can affect child care quality and the program's impact. Also described are the problems associated with capital…

12 CFR 960.2 - Standby letters of credit on behalf of members.

Code of Federal Regulations, 2010 CFR

2010-01-01

... OFF-BALANCE SHEET ITEMS STANDBY LETTERS OF CREDIT § 960.2 Standby letters of credit on behalf of... facilitating community lending; (3) To assist members with asset/liability management; or (4) To provide...

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...

The Development Mechanism of Financial Resources of the Housing Mortgage Lending in Russia

ERIC Educational Resources Information Center

Savinova, Valentina A.; Solodilova, Marija N.; Zgegalova, Elena V.; Tershukova, Marina B.; Rutkauskas, Tatiana K.

2016-01-01

The urgency of the analyzed issue is due to the priority of state issues of providing the population with affordable and comfortable housing. The purpose of research is to develop the main provisions of the development mechanism of financial resources of the housing mortgage lending and to develop practical recommendations for its implementation.…

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.

Community Involvement Manual.

DTIC Science & Technology

1979-05-01

and social problems, does not lend itself to a single or simple solution. This is why we must all be involved. For this reason we. believe that...of admission to decisionmaking. At times the implications of this relatively simple premise are not minor. Many people beginning community...involvement programs have found it extremely difficult to locate technical people able to translate technical reports into simple , every- day English. There

Community-based violence awareness.

PubMed

Kelly, Patricia J; Lesser, Janna; Peralez-Dieckmann, Esther; Castilla, Martha

2007-03-01

Violence against women is a major influence on women's mental health. We used popular education techniques to train 14 Spanish-speaking women as promotoras (community health workers) to increase awareness about violence against women in low income Texas communities. These women then conducted over 80 presentations in Spanish in local community settings. The impact of the program on the promotoras and on women attending the presentations was evaluated using qualitative methods. This research lends support to the idea that nurses working in community mental health settings must use innovative primary prevention strategies and evaluation mechanisms to change awareness about violence against women.

Dental Assistants, Technicians and Hygienists. Career Focus, volume 5, no. 1.

ERIC Educational Resources Information Center

Reese, Susan

2003-01-01

Includes three articles: "Lending a Hand for Good Dental Health,""A Promising Career Path," and "Dental Laboratory Technicians." Describes careers related to the dental field and the dental programs at various career centers, community colleges, and universities. (JOW)

Aging and the Arts Online: Lessons Learned From Course Development and Implementation.

PubMed

Eaton, Jacqueline

2016-01-01

With the recent move toward competency-based gerontology education, incorporating humanities and arts will be necessary for accreditation. This article describes the pedagogical approaches and lessons learned during 5 years of development and implementation of an asynchronous online course in Aging and the Arts. Fifty graduate and undergraduate students participated in the course over five semesters. Discipline diversity increased subsequent to designation as a fine arts general education course. Students expressed appreciation for multimedia resources, an initial fear of creating a wiki, and online redundancy was reduced through increased community engagement that also augmented application in real-world settings. The visual nature of arts and aging lends itself to a compelling and interactive online course experience that can be adapted to synchronous, hybrid, and face-to-face formats. Opportunities for community engaged learning will increase as art programs for older adults become more prevalent.

An Analysis of Community Health Nurses Documentation: The Best Approach to Computerization

PubMed Central

Chalmers, M.

1988-01-01

The study explored and analyzed the actual patient-related documentation performed by a sample of community health nurses working in voluntary home health agencies. The outcome of the study was a system flow chart of that documentation and included: common components of the documentation, where in the existing systems they are recorded, when they are recorded by the nurse and why they are used by the nurses and administrative personnel in the agencies. The flow chart is suitable for use as a prototype for the development of a computer software package for the computerization of the patient-related documentation by community health nurses. General System and communication theories were used as a framework for this study. A thorough analysis of the documenation resulted in a complete and exhaustive explication of the documentation by community health nurses, as well as the identification of what parts of that documentation lend themselves most readily to computerization and what areas, if any, may not readily adapt to computerization.

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…

75 FR 67457 - Truth in Lending

Federal Register 2010, 2011, 2012, 2013, 2014

2010-11-02

.... Olson, Counsels, Division of Consumer and Community Affairs, Board of Governors of the Federal Reserve... transparent practices pertaining to open-end consumer credit plans. The requirements of the Credit Card Act... became effective in three stages. First, provisions generally requiring that consumers receive 45 days...

12 CFR 563e.22 - Lending test.

Code of Federal Regulations, 2013 CFR

2013-01-01

... activities by considering a savings association's home mortgage, small business, small farm, and community... savings association's home mortgage, small business, small farm, and consumer loans, if applicable, in the... savings association's home mortgage, small business, small farm, and consumer loans, if applicable, based...

12 CFR 195.22 - Lending test.

Code of Federal Regulations, 2014 CFR

2014-01-01

... activities by considering a savings association's home mortgage, small business, small farm, and community... business, small farm, and consumer loans, if applicable, in the savings association's assessment area(s..., small business, small farm, and consumer loans, if applicable, based on the loan location, including: (i...

12 CFR 195.22 - Lending test.

Code of Federal Regulations, 2013 CFR

2013-01-01

... activities by considering a savings association's home mortgage, small business, small farm, and community... business, small farm, and consumer loans, if applicable, in the savings association's assessment area(s..., small business, small farm, and consumer loans, if applicable, based on the loan location, including: (i...

12 CFR 563e.22 - Lending test.

Code of Federal Regulations, 2014 CFR

2014-01-01

... activities by considering a savings association's home mortgage, small business, small farm, and community... savings association's home mortgage, small business, small farm, and consumer loans, if applicable, in the... savings association's home mortgage, small business, small farm, and consumer loans, if applicable, based...

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.

Racial Segregation and the American Foreclosure Crisis

PubMed Central

Rugh, Jacob S.; Massey, Douglas S.

2013-01-01

Although the rise in subprime lending and the ensuing wave of foreclosures was partly a result of market forces that have been well-identified in the literature, in the United States it was also a highly racialized process. We argue that residential segregation created a unique niche of poor minority clients who were differentially marketed risky subprime loans that were in great demand for use in mortgage-backed securities that could be sold on secondary markets. We test this argument by regressing foreclosure actions in the top 100 U.S. metropolitan areas on measures of black, Hispanic, and Asian segregation while controlling for a variety of housing market conditions, including average creditworthiness, the extent of coverage under the Community Reinvestment Act, the degree of zoning regulation, and the overall rate of subprime lending. We find that black residential dissimilarity and spatial isolation are powerful predictors of foreclosures across U.S. metropolitan areas. In order to isolate subprime lending as the causal mechanism whereby segregation influences foreclosures, we estimate a two-stage least squares model that confirms the causal effect of black segregation on the number and rate of foreclosures across metropolitan areas. In the United States segregation was an important contributing cause of the foreclosure crisis, along with overbuilding, risky lending practices, lax regulation, and the bursting of the housing price bubble. PMID:25308973

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.

A bioenergy feedstock/vegetable double-cropping system

USDA-ARS?s Scientific Manuscript database

Certain warm-season vegetable crops may lend themselves to bioenergy double-cropping systems, which involve growing a winter annual bioenergy feedstock crop followed by a summer annual crop. The objective of the study was to compare crop productivity and weed communities in different pumpkin product...

7 CFR 4274.319 - Ineligible loan purposes.

Code of Federal Regulations, 2011 CFR

2011-01-01

... removing the violation. (k) Lending and investment institutions and insurance companies. (l) Golf courses... opportunities. (h) Community antenna television services or facilities. (i) Any illegal activity. (j) Any... activity when more than 10 percent of the annual gross revenue is derived from legalized gambling activity...

7 CFR 4274.319 - Ineligible loan purposes.

Code of Federal Regulations, 2010 CFR

2010-01-01

... removing the violation. (k) Lending and investment institutions and insurance companies. (l) Golf courses... opportunities. (h) Community antenna television services or facilities. (i) Any illegal activity. (j) Any... activity when more than 10 percent of the annual gross revenue is derived from legalized gambling activity...

75 FR 60347 - Information Sharing Among Federal Home Loan Banks

Federal Register 2010, 2011, 2012, 2013, 2014

2010-09-30

... examiners' assessment of the strength of the Bank's corporate governance, its management of market risk, credit risk and operational risk, and its overall financial condition and performance. Based on these... enhancing the availability of residential mortgage and community lending credit through its member...

A Library in Your Palm.

ERIC Educational Resources Information Center

Fox, Megan K.

2003-01-01

Examines how librarians are customizing their services and collections for handheld computing. Discusses the widest adoption of PDAs (personal digital assistants) in libraries that serve health and medical communities; PDA-friendly information pages; the reference focus; journals and databases; lending materials; publicity; use of PDAs by library…

Personalizing Academic Misconduct: An Approach for the Graduate Classroom

ERIC Educational Resources Information Center

Di Pierro, Marianne

2011-01-01

Plagiarism is an equal opportunity transgression. Repercussions impact students and extend to faculty and their respective colleagues. Plagiarism sullies communities of scholars and thinkers, violates standards of excellence and integrity, and sets poor examples for future scholars. Its frequency lends to a certain evident but dangerous…

An Agent-Based Model of Evolving Community Flood Risk.

PubMed

Tonn, Gina L; Guikema, Seth D

2018-06-01

Although individual behavior plays a major role in community flood risk, traditional flood risk models generally do not capture information on how community policies and individual decisions impact the evolution of flood risk over time. The purpose of this study is to improve the understanding of the temporal aspects of flood risk through a combined analysis of the behavioral, engineering, and physical hazard aspects of flood risk. Additionally, the study aims to develop a new modeling approach for integrating behavior, policy, flood hazards, and engineering interventions. An agent-based model (ABM) is used to analyze the influence of flood protection measures, individual behavior, and the occurrence of floods and near-miss flood events on community flood risk. The ABM focuses on the following decisions and behaviors: dissemination of flood management information, installation of community flood protection, elevation of household mechanical equipment, and elevation of homes. The approach is place based, with a case study area in Fargo, North Dakota, but is focused on generalizable insights. Generally, community mitigation results in reduced future damage, and individual action, including mitigation and movement into and out of high-risk areas, can have a significant influence on community flood risk. The results of this study provide useful insights into the interplay between individual and community actions and how it affects the evolution of flood risk. This study lends insight into priorities for future work, including the development of more in-depth behavioral and decision rules at the individual and community level. © 2017 Society for Risk Analysis.

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.

A bill to provide for an exemption for community banks to certain escrow requirements under the Truth in Lending Act, and for other purposes.

THOMAS, 112th Congress

Sen. Vitter, David [R-LA

2012-03-29

Senate - 03/29/2012 Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

75 FR 19285 - Short-Term Lending Program (STLP)

Federal Register 2010, 2011, 2012, 2013, 2014

2010-04-14

... insurance. Sec. 22.15 Delinquency on Federal, State, or Municipality Debt: This section provides that the..., history of community involvement, loan experience, and the ability to implement, monitor and manage this... litigation processes that are available in the event of loan delinquency or default. Sec. 22.69 Claim Process...

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…

Housing Segregation: Causes, Effects, Possible Cures.

ERIC Educational Resources Information Center

Orfield, Gary

Though Congress long ago declared housing discrimination illegal, there is very little enforcement of the law, and in 2000, the isolation of minority families remains high. The most recent federal and local studies of the housing market and of lending practices indicate continued and widespread discrimination. Segregated black communities extend…

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…

Race, Space, and Cumulative Disadvantage: A Case Study of the Subprime Lending Collapse.

PubMed

Rugh, Jacob S; Albright, Len; Massey, Douglas S

2015-05-01

In this article, we describe how residential segregation and individual racial disparities generate racialized patterns of subprime lending and lead to financial loss among black borrowers in segregated cities. We conceptualize race as a cumulative disadvantage because of its direct and indirect effects on socioeconomic status at the individual and neighborhood levels, with consequences that reverberate across a borrower's life and between generations. Using Baltimore, Maryland as a case study setting, we combine data from reports filed under the Home Mortgage Disclosure Act with additional loan-level data from mortgage-backed securities. We find that race and neighborhood racial segregation are critical factors explaining black disadvantage across successive stages in the process of lending and foreclosure, controlling for differences in borrower credit scores, income, occupancy status, and loan-to-value ratios. We analyze the cumulative cost of predatory lending to black borrowers in terms of reduced disposable income and lost wealth. We find the cost to be substantial. Black borrowers paid an estimated additional 5 to 11 percent in monthly payments and those that completed foreclosure in the sample lost an excess of $2 million in home equity. These costs were magnified in mostly black neighborhoods and in turn heavily concentrated in communities of color. By elucidating the mechanisms that link black segregation to discrimination we demonstrate how processes of cumulative disadvantage continue to undermine black socioeconomic status in the United States today.

Outcome study of brief relational-cultural therapy in a women's mental health center.

PubMed

Oakley, M Anne; Addison, Shirley C; Piran, Niva; Johnston, Gary J; Damianakis, Mary; Curry, Joyce; Dunbar, Christine; Weigeldt, Almuth

2013-01-01

The current study is the first to evaluate the effectiveness of a brief relational-cultural model of therapy in a community-based mental health center for women. The study was distinctive in its use of a hybrid model that employed elements of randomized control and naturalistic design. Results showed that the entire treatment group of 91 women improved significantly on all eight outcome measures. Therapeutic gains were maintained at 3- and 6-month follow-ups. The results lend support to the importance of including relational-cultural factors in the treatment of women. An adherence scale/manual was developed and implemented and will allow for replication.

CXBN-2 CubeSat Integration Team in the Morehead State University Spacecraft Integration and Assembly Facility

NASA Image and Video Library

2016-11-09

CXBN-2 Integration Team in the Morehead State University Spacecraft Integration and Assembly Facility. Left to right: Kein Dant, Yevgeniy Byleborodov, and Nate Richard. The Cosmic X-Ray Background NanoSat-2 (CXBN-2) CubeSat Mission developed by Morehead State University and its partners the Keldysh Institute (Moscow, Russia), the Maysville Community and Technical College (Morehead, KY) and KYSpace LLC (Lexington, KY) will increase the precision of measurements of the Cosmic X-Ray Background in the 30-50 keV range to a precision of <5%, thereby constraining models that attempt to explain the relative contribution of proposed sources lending insight into the underlying physics of the early universe. The mission addresses a fundamental science question that is central to our understanding of the structure, origin, and evolution of the universe by potentially lending insight into both the high-energy background radiation and into the evolution of primordial galaxies. Launched by NASA’s CubeSat Launch Initiative NET April 18, 2017 ELaNa XVII mission on the seventh Orbital-ATK Cygnus Commercial Resupply Services (OA-7) to the International Space Station and deployed on tbd.

Medical benefits from the NASA biomedical applications program

NASA Technical Reports Server (NTRS)

Sigmon, J. L.

1974-01-01

To achieve its goals the NASA Biomedical Applications Program performs four basic tasks: (1) identification of major medical problems which lend themselves to solution by relevant aerospace technology; (2) identification of relevant aerospace technology which can be applied to those problems; (3) application of that technology to demonstrate the feasibility as real solutions to the identified problems; and, (4) motivation of the industrial community to manufacture and market the identified solution to maximize the utilization of aerospace solutions to the biomedical community.

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.;

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.

12 CFR 980.7 - Examinations; requests for additional information.

Code of Federal Regulations, 2011 CFR

2011-01-01

... new business activity, nothing in this part shall limit the right of the Finance Board at any time to... business activity is consistent with the housing finance and community lending mission of the Banks and the... information. 980.7 Section 980.7 Banks and Banking FEDERAL HOUSING FINANCE BOARD NEW FEDERAL HOME LOAN BANK...

12 CFR 980.7 - Examinations; requests for additional information.

Code of Federal Regulations, 2010 CFR

2010-01-01

... new business activity, nothing in this part shall limit the right of the Finance Board at any time to... business activity is consistent with the housing finance and community lending mission of the Banks and the... information. 980.7 Section 980.7 Banks and Banking FEDERAL HOUSING FINANCE BOARD NEW FEDERAL HOME LOAN BANK...

12 CFR 265.9 - Functions delegated to the Director of Division of Consumer and Community Affairs.

Code of Federal Regulations, 2011 CFR

2011-01-01

... amount specified in section 103(aa)(1)(B)(ii) of the Truth in Lending Act and § 226.32(a)(1)(ii) of... section 103(aa)(3) of that act (15 U.S.C. 1602(aa)); and (2) The amount specified in section 309(b)(1) of...

Self-Service to the People

ERIC Educational Resources Information Center

Kantor-Horning, Susan

2009-01-01

It's called GoLibrary in the United States and Bokomaten in its native Sweden. Patrons know it as Library-a-Go-Go in Contra Costa County, California, but whatever its name, the automated lending service this materials handling machine provides has proved a tremendous aid in addressing underserved segments of this sprawling community. It's not hard…

Recommendations for the Recruitment and Retention of Transfer Students

ERIC Educational Resources Information Center

Kippenhan, Heidi

2004-01-01

The purpose of this article is to gain practical knowledge about a population of students that is vital and necessary to any university community. The history of transfer students lends itself to the assumption that there is no targeted marketing, specific recruitment materials, equity in events or outreach activities, or equal data gathered in…

A Critical Path for Data Integration in the U.S. Earth Sciences

NASA Astrophysics Data System (ADS)

Gallagher, K. T.; Allison, M. L.

2011-12-01

Development efforts for the U.S. Geoscience Information Network (US GIN) have crystallized around the Community for Data Integration (CDI) at the USGS, and the 50-state AASG State Geothermal Data project. The next step in developing a USGS-AASG community is to bring these two efforts into closer alignment through greater participation in CDI activities by geoinformatics practitioners from state geological surveys, and implementation of test bed activities by the USGIN partners. Test bed activities in the geological survey community will define a scope and provide a foundation to promote the use of specifications developed by the larger geoinformatics community. Adoption of some of these specifications as 'standards' by USGS and AASG for use by those organizations will lend authority and motivate wider adoption. The arc from use case to test bed to production deployments to agreement on 'standard' specifications for data discovery and access must be propelled by active interest from the user communities who have a stake in the outcome. The specifications developed will benefit the organizations involved in development, testing and deployment, which motivates participation -- a model that has worked successfully for standards organizations such as OGC, ISO and OASIS. The governance structure to support such a community process should promote grass root nucleation of interest groups that are the core of development efforts. Some mechanism for community agreement on priorities is desirable because geological survey agencies will need to allocate resources to support development. Loosely knit organizations such as ESIP and the current CDI provide models for this kind of structure. Because many geological surveys have data archive and dissemination functions as part of their portfolio, some support for the system can be built into the operating expenses and overhead. Sharing of resources and reuse of components can reduce the cost. Wide adoption of similar software, protocols and practices increases the number of stake holders with an interest in supporting the system.

Learning from experience: three community health population-based outreach projects for graduate and undergraduate students.

PubMed

D'Lugoff, Marion Isaacs; McCarter, Jeanne

2005-01-01

Three outreach activities by a school of nursing, in partnership with community agencies, provided learning experiences in primary and secondary preventive health care for graduate and undergraduate nursing students while addressing health needs in the community. The activities included administration of immunizations to a newly arrived Somali Bantu refugee population, targeted screening of an African-American population at risk for diabetic retinopathy, and general health screening for an underserved Hispanic immigrant population. These activities lend insight and depth to a community health curriculum by allowing students to provide needed services while engaging with culturally diverse clients of varying socioeconomic status. Learner objectives, resources, processes and outcomes are provided for each example.

Race, Space, and Cumulative Disadvantage: A Case Study of the Subprime Lending Collapse

PubMed Central

Rugh, Jacob S.; Albright, Len; Massey, Douglas S.

2016-01-01

In this article, we describe how residential segregation and individual racial disparities generate racialized patterns of subprime lending and lead to financial loss among black borrowers in segregated cities. We conceptualize race as a cumulative disadvantage because of its direct and indirect effects on socioeconomic status at the individual and neighborhood levels, with consequences that reverberate across a borrower's life and between generations. Using Baltimore, Maryland as a case study setting, we combine data from reports filed under the Home Mortgage Disclosure Act with additional loan-level data from mortgage-backed securities. We find that race and neighborhood racial segregation are critical factors explaining black disadvantage across successive stages in the process of lending and foreclosure, controlling for differences in borrower credit scores, income, occupancy status, and loan-to-value ratios. We analyze the cumulative cost of predatory lending to black borrowers in terms of reduced disposable income and lost wealth. We find the cost to be substantial. Black borrowers paid an estimated additional 5 to 11 percent in monthly payments and those that completed foreclosure in the sample lost an excess of $2 million in home equity. These costs were magnified in mostly black neighborhoods and in turn heavily concentrated in communities of color. By elucidating the mechanisms that link black segregation to discrimination we demonstrate how processes of cumulative disadvantage continue to undermine black socioeconomic status in the United States today. PMID:27478254

75 FR 9244 - Notice of Proposed Information Collection: Comment Request; Owner of Record and Re-Sale Data To...

Federal Register 2010, 2011, 2012, 2013, 2014

2010-03-01

... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5380-N-11] Notice of Proposed Information Collection: Comment Request; Owner of Record and Re-Sale Data To Preclude Predatory Lending... to Preclude Predatory Lending Practices (Property Flipping) on FHA Insured Mortgages. OMB Control...

Brother, Will You Lend a Hand? Perceptions of Undergraduate African American Male Proteges' Formal Mentoring Journey

ERIC Educational Resources Information Center

Mason, John Leonard, Jr.

2012-01-01

African American males fail to graduate from colleges and universities as compared to any other demographic. The impact of this non-completion failure continues to touch the African American family structure, community stability, economic reduction at all levels, and an increasing situational hopelessness. The literature surrounding the struggles…

Universal Individualism and Constructions of the Adult Student in Scottish Adult Education Policy

ERIC Educational Resources Information Center

Galloway, Vernon

2005-01-01

This article argues that adult education policy in Scotland has been constructed, in particular ways which resonate with significant cultural themes, lending them a currency which appeals to a deep sense of identity. Using the theme of universal individualism, the paper considers how ideas of community and education have been used to maintain the…

Science and Technology Educators' Enacted Curriculum: Areas of Possible Collaboration for an Integrative STEM Approach in Public Schools

ERIC Educational Resources Information Center

Brown, Josh; Brown, Ryan; Merrill, Chris

2012-01-01

Science, Technology, Engineering, and Mathematics (STEM) teachers teach multiple concepts that lend themselves to possible collaboration on a daily basis. Much like Metz's (2009) insightful discussion about the importance of science educators creating partnerships in the community "outside the school walls," integrative STEM teaching also requires…

12 CFR Appendix C to Part 226 - Issuance of Staff Interpretations

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 3 2012-01-01 2012-01-01 false Issuance of Staff Interpretations C Appendix C... RESERVE SYSTEM TRUTH IN LENDING (REGULATION Z) Pt. 226, App. C Appendix C to Part 226—Issuance of Staff Interpretations Official Staff Interpretations Officials in the Board's Division of Consumer and Community Affairs...

12 CFR Appendix C to Part 226 - Issuance of Staff Interpretations

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 3 2011-01-01 2011-01-01 false Issuance of Staff Interpretations C Appendix C... RESERVE SYSTEM TRUTH IN LENDING (REGULATION Z) Pt. 226, App. C Appendix C to Part 226—Issuance of Staff Interpretations Official Staff Interpretations Officials in the Board's Division of Consumer and Community Affairs...

12 CFR Appendix C to Part 226 - Issuance of Staff Interpretations

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Issuance of Staff Interpretations C Appendix C... RESERVE SYSTEM TRUTH IN LENDING (REGULATION Z) Pt. 226, App. C Appendix C to Part 226—Issuance of Staff Interpretations Official Staff Interpretations Officials in the Board's Division of Consumer and Community Affairs...

The Case for Home-Grown, Sustainable, Next Generation Library Services

ERIC Educational Resources Information Center

Haefele, Chad

2011-01-01

While libraries offer next generation public services such as mobile access and e-books, these services are often neither home-grown nor sustainable. Libraries have a history of lending and services built on a simple model: they purchase an item and then provide it to the community. Unfortunately, the latest generation of services offered by…

Developing a green lending model for renewable energy project (case study electricity from biogas fuel at Palm Oil Industry)

NASA Astrophysics Data System (ADS)

Sukirman, Y. A.

2018-03-01

In the last two decades, development initiatives solely aimed to generate economic growth has been placed under scrutiny, particularly amidst the rampant discussion on the quality decline of the environment, growing social divide and climate change along with its implications thereof. Considerations of the negative impacts brought about by the economic development process prompted the move to adopt the sustainable financing model that gives precedence to economic, environmental and social aspects. We introduced Green Lending Model for Renewable Energy Project (Case Study Electricity From Biogas at Palm Oil Industry) based on sustainability financing, which is used as variable to implementing financial institutions’ lending policies. There are two major trends in the literature relating to sustainability and the banking industry: external and internal practices. The external practices strand analyzes the relevance of sustainability to the bank’s communication with shareholders and other stakeholders, and how investors use it as a measure to help achieve optimal portfolio allocation. The internal practices literature, more relevant to the present work, studies how sustainability criteria are integrated into risk management models and lending practices. Its first implementation is in the Palm Oil industry at South Sumatera. The results explained that sustainability is not related to profit either from a short- or long-term perspective. The Sustainable Green Lending Model is related to the Equator Principles and its application is driven to project financing. It also related with short- and long-term risks and opportunities, instead of short-term sustainability impacts.

SABrE User's Guide

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

Brown, S.A.

In computing landscape which has a plethora of different hardware architectures and supporting software systems ranging from compilers to operating systems, there is an obvious and strong need for a philosophy of software development that lends itself to the design and construction of portable code systems. The current efforts to standardize software bear witness to this need. SABrE is an effort to implement a software development environment which is itself portable and promotes the design and construction of portable applications. SABrE does not include such important tools as editors and compilers. Well built tools of that kind are readily availablemore » across virtually all computer platforms. The areas that SABrE addresses are at a higher level involving issues such as data portability, portable inter-process communication, and graphics. These blocks of functionality have particular significance to the kind of code development done at LLNL. That is partly why the general computing community has not supplied us with these tools already. This is another key feature of the software development environments which we must recognize. The general computing community cannot and should not be expected to produce all of the tools which we require.« less

SABrE User`s Guide

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

Brown, S.A.

In computing landscape which has a plethora of different hardware architectures and supporting software systems ranging from compilers to operating systems, there is an obvious and strong need for a philosophy of software development that lends itself to the design and construction of portable code systems. The current efforts to standardize software bear witness to this need. SABrE is an effort to implement a software development environment which is itself portable and promotes the design and construction of portable applications. SABrE does not include such important tools as editors and compilers. Well built tools of that kind are readily availablemore » across virtually all computer platforms. The areas that SABrE addresses are at a higher level involving issues such as data portability, portable inter-process communication, and graphics. These blocks of functionality have particular significance to the kind of code development done at LLNL. That is partly why the general computing community has not supplied us with these tools already. This is another key feature of the software development environments which we must recognize. The general computing community cannot and should not be expected to produce all of the tools which we require.« less

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 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...

"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…

76 FR 22705 - Notice of Proposals To Engage in Permissible Nonbanking Activities or To Acquire Companies That...

Federal Register 2010, 2011, 2012, 2013, 2014

2011-04-22

...-4528: 1. Piedmont Community Bank Holdings, Inc., Raleigh, North Carolina; to engage de novo through its subsidiary, VantageSouth Holdings, LLC Raleigh, North Carolina, in lending and credit-related activities, pursuant to sections 225.28(b)(1) and (b)(2)(vi) of Regulation Y. Board of Governors of the Federal Reserve...

12 CFR 560.30 - General lending and investment powers of Federal savings associations.

Code of Federal Regulations, 2010 CFR

2010-01-01

.... Commercial paper and corporate debt securities 5(c)(2)(D) Up to 35% of total assets. 2,3 Community...) None. 6 Finance leasing 5(c)(1)(B), 5(c)(2)(A), 5(c)(2)(B), 5(c)(2)(D) Based on purpose and property... corporate debt securities must be aggregated with the Federal savings association's investment in consumer...

Keeping Score: Direct Student Lending. An Evaluation Prepared for the Iowa College Student Aid Commission and the Iowa Student Loan Liquidity Corporation.

ERIC Educational Resources Information Center

Chance, William

This paper provides recommendations for the development, implementation, and evaluation of a demonstration program designed to assess direct lending as a replacement for the current federal student loan program. It offers a list of principles which the demonstration project should address. Recommendations include: (1) maintenance of student…

New Developments in Tax Exempt Institutions. Exempt Organizations Which Lend Securities Risk Imposition of Unrelated Business Tax

ERIC Educational Resources Information Center

Stern, Sue S.; Sullivan, Richard B.

1976-01-01

The practice by exempt organizations of lending securities to brokerage houses is becoming more common. The possibility is weighed that organizations may encounter unrelated business tax assessments if the practice is classified as a trade or business. The authors examine the concept of trade or business in other tax settings and explore the…

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...

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...

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...

Information technology developments within the national biological information infrastructure

USGS Publications Warehouse

Cotter, G.; Frame, M.T.

2000-01-01

Looking out an office window or exploring a community park, one can easily see the tremendous challenges that biological information presents the computer science community. Biological information varies in format and content depending whether or not it is information pertaining to a particular species (i.e. Brown Tree Snake), or a specific ecosystem, which often includes multiple species, land use characteristics, and geospatially referenced information. The complexity and uniqueness of each individual species or ecosystem do not easily lend themselves to today's computer science tools and applications. To address the challenges that the biological enterprise presents the National Biological Information Infrastructure (NBII) (http://www.nbii.gov) was established in 1993. The NBII is designed to address these issues on a National scale within the United States, and through international partnerships abroad. This paper discusses current computer science efforts within the National Biological Information Infrastructure Program and future computer science research endeavors that are needed to address the ever-growing issues related to our Nation's biological concerns.

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...

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...

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…

Latin America and the International Lending Organizations: The Ties that Bind.

DTIC Science & Technology

1980-07-23

necessary end Identify by block number) Argentina , Authoritarian Regimes, Brazil, Bureaucratic-Authoritar- 4 J ianism, Debt-Public and Private, Direct...domestic poli- cies to satisfy the requirements and gain the approval of the international financial community. Third, during times of financial crisis ...bility of debt service obligations constrain the options available to a government facing a debt crisis created by an absolute drop in export earnings or

Classification and overview of research in real-time imaging

NASA Astrophysics Data System (ADS)

Sinha, Purnendu; Gorinsky, Sergey V.; Laplante, Phillip A.; Stoyenko, Alexander D.; Marlowe, Thomas J.

1996-10-01

Real-time imaging has application in areas such as multimedia, virtual reality, medical imaging, and remote sensing and control. Recently, the imaging community has witnessed a tremendous growth in research and new ideas in these areas. To lend structure to this growth, we outline a classification scheme and provide an overview of current research in real-time imaging. For convenience, we have categorized references by research area and application.

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.

A fuzzy hill-climbing algorithm for the development of a compact associative classifier

NASA Astrophysics Data System (ADS)

Mitra, Soumyaroop; Lam, Sarah S.

2012-02-01

Classification, a data mining technique, has widespread applications including medical diagnosis, targeted marketing, and others. Knowledge discovery from databases in the form of association rules is one of the important data mining tasks. An integrated approach, classification based on association rules, has drawn the attention of the data mining community over the last decade. While attention has been mainly focused on increasing classifier accuracies, not much efforts have been devoted towards building interpretable and less complex models. This paper discusses the development of a compact associative classification model using a hill-climbing approach and fuzzy sets. The proposed methodology builds the rule-base by selecting rules which contribute towards increasing training accuracy, thus balancing classification accuracy with the number of classification association rules. The results indicated that the proposed associative classification model can achieve competitive accuracies on benchmark datasets with continuous attributes and lend better interpretability, when compared with other rule-based systems.

Inferring biodiversity maintenance mechanisms from ecological pattern

NASA Astrophysics Data System (ADS)

Ostling, Annette

Among a set of competitors for a single common resource, the best will simply exclude the others. Yet in nature we can see astounding diversity of competing species. Do close similarities in species' response to the local environment primarily explain their coexistence? Or is this diversity possible because of differences between species that stabilize their coexistence? And if so, what particular differences between species are important in particular communities? Some ecological communities lend themselves to experimental manipulation to begin to answer these questions. Yet for many other communities, such as tree species in forests, the logistical hurdles to this approach are daunting. Faster progress could be made in ecology if insight into biodiversity maintenance mechanisms could be gained from patterns exhibited in local ecological communities, such as how coexisting species are distributed in their ecological traits and relative abundance. Hurdles that we need to overcome to be able to gain such insight include: 1) further developing neutral theory, a quantitative process-based null model of community pattern resulting when species similarities are what allow their coexistence, and 2) better understanding what patterns to expect when species differences dominate instead, particularly in the context of stochasticity and immigration. I will describe our ongoing research to overcome these hurdles, to provide better tools for analyzing observed pattern. National Science Foundation Advancing Theory in Biology Grant 1038678, Danish National Research Foundation Grant DNRF 96 for the Center of Macroecology, Evolution and Climate.

Primary prevention of lead poisoning in rural Native American children: behavioral outcomes from a community-based intervention in a former mining region.

PubMed

Kegler, Michelle C; Malcoe, Lorraine Halinka; Fedirko, Veronika

2010-01-01

The current study examined the effectiveness of a community-based lay health advisor intervention, combined with youth engagement, in improving lead poisoning prevention behaviors and associated beliefs in a rural Native American population located in and near a Superfund site containing mining waste. Three sequential (1997, 2000, and 2004) cross-sectional assessments involving in-person interviews with Native American and White caregivers of young children were conducted. Results showed significant improvements over time for Native American, but not for White, for children washing their hands before meals and snacks, and for annual blood lead testing of both Native American and White children. Findings lend support to the value of community-based education for primary prevention of lead poisoning in Native American and rural communities.

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...

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.

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...

Detection of the Impact of Ice Crystal Accretion in an Aircraft Engine Compression System During Dynamic Operation

NASA Technical Reports Server (NTRS)

May, Ryan D.; Simon, Donald L.; Guo, Ten-Huei

2014-01-01

The accretion of ice in the compression system of commercial gas turbine engines operating in high ice water content conditions is a safety issue being studied by the aviation community. While most of the research focuses on the underlying physics of ice accretion and the meteorological conditions in which accretion can occur, a systems-level perspective on the topic lends itself to potential near-term operational improvements. Here a detection algorithm is developed which has the capability to detect the impact of ice accretion in the Low Pressure Compressor of an aircraft engine during steady flight as well as during changes in altitude. Unfortunately, the algorithm as implemented was not able to distinguish throttle changes from ice accretion and thus more work remains to be done.

A lender that banks on people. Building credit and communities in New England.

PubMed

Reardon, C

1992-01-01

By extending credit to small struggling businesses, microlending has fostered economic development in many areas of the world where agriculture and industry can employ only a small fraction of the work force. An inventive lending program in New Hampshire (US), Working Capital, extends small amounts of credit to low-income entrepreneurs who would not qualify for conventional financing. Interested business owners form their own "borrowing groups" and approve or reject each other's loan applications. Borrowers who repay qualify for increasingly larger loans of up to US$5000 at roughly the market interest rate. In 2 years of operation, Working Capital has loaned US$200,000 to 200 small businesses in New Hampshire, Massachusetts, and Vermont. To date, only 16 borrowers have failed to repay their loans.

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...

Recursive Fact-finding: A Streaming Approach to Truth Estimation in Crowdsourcing Applications

DTIC Science & Technology

2013-07-01

are reported over the course of the campaign, lending themselves better to the abstraction of a data stream arriving from the community of sources. In...EM Recursive EM Figure 4. Recursive EM Algorithm Convergence V. RELATED WORK Social sensing which is also referred to as human- centric sensing [4...systems, where different sources offer reviews on products (or brands, companies) they have experienced [16]. Customers are affected by those reviews

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...

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...

Reshaping Plant Biology: Qualitative and Quantitative Descriptors for Plant Morphology

PubMed Central

Balduzzi, Mathilde; Binder, Brad M.; Bucksch, Alexander; Chang, Cynthia; Hong, Lilan; Iyer-Pascuzzi, Anjali S.; Pradal, Christophe; Sparks, Erin E.

2017-01-01

An emerging challenge in plant biology is to develop qualitative and quantitative measures to describe the appearance of plants through the integration of mathematics and biology. A major hurdle in developing these metrics is finding common terminology across fields. In this review, we define approaches for analyzing plant geometry, topology, and shape, and provide examples for how these terms have been and can be applied to plants. In leaf morphological quantifications both geometry and shape have been used to gain insight into leaf function and evolution. For the analysis of cell growth and expansion, we highlight the utility of geometric descriptors for understanding sepal and hypocotyl development. For branched structures, we describe how topology has been applied to quantify root system architecture to lend insight into root function. Lastly, we discuss the importance of using morphological descriptors in ecology to assess how communities interact, function, and respond within different environments. This review aims to provide a basic description of the mathematical principles underlying morphological quantifications. PMID:28217137

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, 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 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...

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...

Strange bedfellows in science teacher preparation: conflicting perspectives on social justice presented in a Teach For America—university partnership

NASA Astrophysics Data System (ADS)

McNew-Birren, Jill; Hildebrand, Tyra; Belknap, Gabrielle

2017-02-01

Teach For America (TFA), a widespread and well-known route into the teaching profession, frequently partners with university-based education programs to prepare and certify its corps members. However, university-based teacher education programs frequently emphasize very different understandings of socially just education and priorities for training teachers from those of TFA. Accordingly, science teachers trained through TFA-university partnerships encounter conflicting understandings of science education, justice, and urban communities as they are introduced to teaching practice. In this ethnographic case study we explored the experiences and reactions of a cohort of TFA corps members in a science methods course as they engaged with TFA's perspective focused primarily on enhancing students' social mobility and the methods course emphasizing democratic equality through scientific engagement. The study considers intersections between TFA's approach to teacher preparation and sociocultural perspectives on equitable science teaching. The study also lends insight into the contradictions and challenges through which TFA science teachers develop understandings about their role as science teachers, purposes and goals of science education, and identities of the students and communities they serve.

Quantitative comparison of the in situ microbial communities in different biomes

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

White, D.C.; Ringelberg, D.B.; Palmer, R.J.

1995-12-31

A system to define microbial communities in different biomes requires the application of non-traditional methodology. Classical microbiological methods have severe limitations for the analysis of environmental samples. Pure-culture isolation, biochemical testing, and/or enumeration by direct microscopic counting are not well suited for the estimation of total biomass or the assessment of community composition within environmental samples. Such methods provide little insight into the in situ phenotypic activity of the extant microbiota since these techniques are dependent on microbial growth and thus select against many environmental microorganisms which are non- culturable under a wide range of conditions. It has been repeatedlymore » documented in the literature that viable counts or direct counts of bacteria attached to sediment grains are difficult to quantitative and may grossly underestimate the extent of the existing community. The traditional tests provide little indication of the in situ nutritional status or for evidence of toxicity within the microbial community. A more recent development (MIDI Microbial Identification System), measure free and ester-linked fatty acids from isolated microorganisms. Bacterial isolates are identified by comparing their fatty acid profiles to the MIKI database which contains over 8000 entries. The application of the MIKI system to the analysis of environmental samples however, has significant drawbacks. The MIDI system was developed to identify clinical microorganisms and requires their isolation and culture on trypticase soy agar at 27{degrees}C. Since many isolates are unable to grow at these restrictive growth conditions, the system does not lend itself to identification of some environmental organisms. A more applicable methodology for environmental microbial analysis is based on the liquid extrication and separation of microbial lipids from environmental samples, followed by quantitative analysis using gas chromatography/« less

The World Bank and poverty.

PubMed

Lipton, M; Shakow, A

1982-06-01

During the 1970s it was World Bank policy to use its funds to raise the productivity and living standards of the poor. It has increased its lending for sector and subsectors considered to offer the most direct benefits to the poor such as rural development, population, health, and nutrition. Projects with particular emphasis on poverty have benefitted large numbers of poor people and have had good economic rates of return. Lending for rural projects increased in the 1970s from US$2.6 billion in 1969-73 to over US$13 billion in 1978-81; rural development projects audited in 1979 benfitted 660 small farmers for every US$1 million loaned compared with 47 farmers/US$1 million in other agricultural projects. Some problems are: 1) low-risk technical packages appropriate for poor farmers in semi-arid rainfed areas are not readily available; 2) the Bank's rural development strategy seeks mainly to raise the production of small farms, but other aspects need to be emphasized; 3) domestic pricing and postharvest policies often undermine the success of projects aimed at the rural poor; and 4) success in rural development often rests on sociological and cultural factors, difficult areas that deserve more attention. For urban areas the Bank has strongly endorsed providing "sites and sources" instead of structures; since 1972, 52 Bank projects centered on urban shelter involving US$1.6 billion have been undertaken. Cost recovery is established at 66-95%. About 5% of Bank lending is for education and despite the importance of population, health, and nutrition, these areas absorb less than 1% of the Bank's total lending program. Only US$400 million in population loans were made to 13 countries in the 1970s and only recently have separate health projects been started. Emphasis for the 1980s must be on rural development, urban shelter, primary education, health, education, and population.

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...

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.

Evaluation of Bikers Against Child Abuse (BACA) program: A community intervention for child abuse victims.

PubMed

Ray, Dee C; Lilly, J P; Gallina, Nancy; MacIan, Paula; Wilson, Brittany

2017-12-01

Children who have experienced physical abuse benefit from a multitude of community interventions including support programs to address emotional and behavioral stability. This pilot study evaluated the services of Bikers Against Child Abuse (BACA), a community of bikers lending intervention to abused children, using a pre/post exploratory design. Participants (N=154) were children who had been referred by parents/guardians for current or past physical and/or sexual abuse. Parents/guardians of children were interviewed four times over a course of one year. Results indicated children demonstrated substantial improvements in their overall levels of emotional distress, conduct concerns, hyperactivity, and behavioral and emotional functioning. Overall, results support the premise that services provided by BACA may serve as a unique intervention for children who have experienced abuse. Copyright © 2017 Elsevier Ltd. All rights reserved.

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

Job and industry turnover for registered and licensed vocational nurses.

PubMed

Spetz, Joanne; Rickles, Jordan; Chapman, Susan; Ong, Paul M

2008-09-01

Most studies of nurse turnover focus on job turnover, which could reflect nurse advancement and thus not be detrimental to the workforce. The authors discuss findings from a study that involved 2 cohorts of graduates from registered nursing and licensed vocational nursing community college programs in California. The duration of employment in the healthcare industry, as well as with specific employers, is tracked, lending a more thorough analysis of nursing job and industry turnover than found in other studies.

Homebound Learning Opportunities: reaching out to older shut-ins and their caregivers.

PubMed

Penning, M; Wasyliw, D

1992-10-01

Homebound Learning Opportunities (HLO) represents an innovative health promotion and educational outreach service for homebound older adults and their caregivers. It provides over 125 topics for individualized learning programs delivered to participants in their own places of residence, an audiovisual lending library, educational television programming, and a peer counseling service. Shut-ins are recruited as instructors and as participants in service projects that benefit the greater community. Preliminary assessments reveal high levels of participation and satisfaction with the program.

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

How LEND sees the water on the Moon

NASA Astrophysics Data System (ADS)

Sanin, Anton; Mitrofanov, Igor; Litvak, Maxim; Boynton, William; Bodnarik, Julia; Hamara, Dave; Harshman, Karl; Chin, Gordon; Evans, Larry; Livengood, Timothy; McClanahan, Timothy; Sagdeev, Roald; Starr, Richard

2016-04-01

The Lunar Exploration Neutron Detector (LEND) is operating on orbit around the Moon on-board the Lunar Reconnaissance Orbiter (LRO) spacecraft more than six years. LEND has been designed and manufactured to investigate presence and determine average amount of hydrogen in upper (~1 m depth) subsurface layer of the Lunar regolith with spatial resolution ~10 km from 50 km orbit and to check the hypothesis what the permanently shadowed regions (PSRs) at circumpolar regions are the main reservoirs of a large deposition of water ice on the Moon. One of most interesting and surprising LEND observations that not all large PSRs contain a detectable amount of hydrogen but there are neutron suppression regions (NSRs) with statistically significant suppression of neutron flux. The NSRs partially overlap or include PSRs in craters Cabeus, Shoemaker, Haworth (on South) and Rozhdestvensky U (on North) but significant part of their area spread out at sunlit territory. This means that hydrogen may be preserved for a long time or even accumulated at a subsurface regolith layer of sunlit areas. The majority of PSRs do not show statistically significant suppressions of neutron flux in comparison with neighbor sunlit vicinity. This implies a hypothesis what a permanent shadow is not only necessary condition for the hydrogen accumulation and preservation in the lunar subsurface. A method of water equivalent hydrogen (WEH) in top ~1 meter regolith estimation using LEND data has been developed. Maps of WEH distribution in North and South polar regions will be presented and discussed. Also, WEH estimation in case of hydrogen bearing regolith layer coverage by a dry regolith will be presented for largest NSRs.

Validity of the Participation and Environment Measure for Children and Youth (PEM-CY) for Health Impact Assessment (HIA) in sustainable development projects.

PubMed

Khetani, Mary; Marley, Jenifer; Baker, Megan; Albrecht, Erin; Bedell, Gary; Coster, Wendy; Anaby, Dana; Law, Mary

2014-04-01

Participation in home, school, and community activities is an important indicator of child health and well-being. Evaluating environmental influences on children's participation can inform efforts to develop sustainable built environments, but few validated measures exist. To examine the concurrent validity and utility of the Participation and Environment Measure for Children and Youth (PEM-CY) for Health Impact Assessment in non-urban sustainable development projects affecting children with disabilities. Eighty-nine parents of children and youth with disabilities who identified as residing in a small town or rural community were sampled. Sixty-six caregivers completed the PEM-CY online, and 23 caregivers completed the PEM-CY and CHIEF-CP paper forms. Spearman correlational analyses were conducted to establish the concurrent validity of the PEM-CY environment sections against the CHIEF-CP. Group comparisons by child's age, number of functional limitations, and annual household income were used to examine differences in summary and item-level responses on the PEM-CY community section. Moderate to strong associations were found between CHIEF-CP Total Product and Magnitude Scores and all PEM-CY Environment Summary Scores. CHIEF-CP Physical/Structural and Policies Subscale Scores were most consistently associated with PEM-CY Environment Summary Scores. Group differences by household income were found for participation frequency and number of supports, including perceived availability and adequacy of money and information about programs and services, even when controlling child's age and number of functional limitations. Study results lend support to the use of the PEM-CY in HIA to reliably assess for environmental impact on children's participation. Implications for using the PEM-CY to inform decision-making in non-urban sustainable development projects affecting families of children and youth with disabilities are discussed. Published by Elsevier Inc.

Department of Housing and Urban Development, Office of Lead Hazard Control and Healthy Homes

MedlinePlus

... and Healthy Homes Office of Administration Office of Economic Development Office of Hearings and Appeals Office of ... Utilization Topic Areas Avoiding Foreclosure Buying a Home Economic Development Energy Environment Fair Lending Freedom of Information ...

Washington's Commitment.

ERIC Educational Resources Information Center

Chafee, John H.

1980-01-01

Federal energy measures have tended more to conservation than to developing alternate energy sources; but they have coordinated public building, tax regulations, and lending policies in the effort. (Author)

Tracking the seasonal cycle of coastal sea ice: Community-based observations and satellite remote sensing in service of societal needs

NASA Astrophysics Data System (ADS)

Eicken, Hajo; Lee, Olivia A.; Johnson, Mark A.; Pulsifer, Peter; Danielsen, Finn

2017-04-01

Break-up and freeze-up of coastal sea ice determine the timing and extent of a number of human activities, ranging from ice use by Indigenous hunters to coastal shipping. Yet, while major reductions in the extent of Arctic summer sea ice have been well studied, changes in its seasonal cycle have received less attention. Here, we discuss decadal scale changes and interannual variability in the timing of spring break-up and fall freeze-up, with a focus on coastal communities in Arctic Alaska. Observations of ice conditions by Indigenous sea-ice experts since 2006 indicate significant interannual variability in both the character and timing of freeze-up and break-up in the region. To aid in the archival and sharing of such observations, we have developed a database for community ice observations (eloka-arctic.org/sizonet). Development of this database addressed key questions ranging from community guidance on different levels of data sharing and access to the development of protocols that may lend themselves for implementation in the context of operational programs such as Global Cryosphere Watch. The lessons learned and tools developed through this effort may help foster the emergence of common observation protocols and sharing practices across the Arctic, as explored jointly with the Greenlandic PISUNA initiative and the European INTAROS project. For the Arctic Alaska region, we developed an algorithm to extract the timing of break-up and freeze-up from passive microwave satellite data, drawing on community-based observations. Data from 1979 to 2013 show break-up start arriving earlier by 5-9 days per decade and freeze-up start arriving later by 7-14 days per decade in the Chukchi and Beaufort Seas. The trends towards a shorter ice season observed over the past several decades point towards a substantial change in the winter ice regime by mid-century with incipient overlap of the end of the freeze-up and start of the break-up season as defined by coastal ice users.

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...

Functional diversity of fish communities in two tropical estuaries subjected to anthropogenic disturbance.

PubMed

Dolbeth, M; Vendel, A L; Pessanha, A; Patrício, J

2016-11-15

The functional diversity of fish communities was studied along the salinity gradient of two estuaries in Northeast Brazil subjected to different anthropogenic pressures, to gain a better understanding of the response of fish communities to disturbance. We evaluated functional complementarity indices, redundancy and analysed functional composition through functional groups based on combinations of different traits. The fish communities in both estuaries share similar functions performed by few functional groups. The upstream areas had generally lower taxonomic, functional diversity and lower redundancy, suggesting greater vulnerability to impacts caused by human activities. Biomass was slightly more evenly distributed among functional groups in the less disturbed estuary, but total biomass and redundancy were lower in comparison to the urbanized estuary. The present findings lend strength to the notion that the less disturbed estuary may be more susceptible to anthropogenic impacts, underscoring the need for more effective conservation measures directed at this estuary. Copyright © 2016 Elsevier Ltd. All rights reserved.

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...

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...

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)

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...

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...

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...

Lending Video Game Consoles in an Academic Library

ERIC Educational Resources Information Center

Buller, Ryan

2017-01-01

This paper will outline the process and discussions undertaken at the University of Denver's University Libraries to implement a lending service providing video game consoles. Faculty and staff at the University Libraries decided to pursue the new lending service, though not a traditional library offering, to support the needs of a video game…

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...

Lender Profitability in the Student Loan Program.

ERIC Educational Resources Information Center

Jenkins, Sarah

This report provides results of a study that measured lender profitability in the Guaranteed Student Loan (GSL) program and compares these results with the profitability of other types of lending. Data analysis reveals credit card lending to be the highest average level of profitability over the 5-year period considered. Other lending types, in…

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...

Effectiveness of a San Francisco Bay area community education program on reducing home energy use

NASA Astrophysics Data System (ADS)

Wilkinson, Ellen M.

In order to promote the adoption of home energy reduction practices and mitigate the climate impact of the collective greenhouse gas emissions generated by consumers, it is critical to identify an effective educational approach. A community-based educational intervention model that employs norms, information, commitment, feedback, and face-to-face communication strategies was examined for its ability to motivate changes in everyday energy-use behavior in two communities compared to a control group. A follow up study was also conducted to evaluate whether behaviors adopted as a result of the intervention were long lasting, and whether the community-focused features of the intervention were motivating to participants. Results showed that a greater number of individuals participated in the intervention over its five-month duration, reported significantly higher numbers of adopted behaviors, and maintained more adopted behaviors post-intervention than did people in the control group. In addition, intervention participants reported that some of the community-based features of the intervention motivated their behavior changes. These findings lend support to a number of social and community psychology theories about how to design effective interventions by leveraging social awareness and support.

Who Should Develop Instructional Materials for CAI?

ERIC Educational Resources Information Center

Seidel, Robert J.

The nonprofit special organization as a developer of computer-administered instruction (CAI) is advocated in this paper. The organization of universities and their mode of operation do not lend themselves to instructional product development. Faculty members engage in such efforts on a part-time basis and in competition with higher priority…

Education: Sector Policy Paper. Third Edition.

ERIC Educational Resources Information Center

Haddad, Wadi D.; And Others

The present paper updates the World Bank's interpretation of education development and outlines a policy framework for lending for education. After chapters on the relationship between education and development and on the state of education development, the paper devotes a chapter to each of five issues: the expansion and equalization of…

Comparison of Image Restoration Methods for Lunar Epithermal Neutron Emission Mapping

NASA Technical Reports Server (NTRS)

McClanahan, T. P.; Ivatury, V.; Milikh, G.; Nandikotkur, G.; Puetter, R. C.; Sagdeev, R. Z.; Usikov, D.; Mitrofanov, I. G.

2009-01-01

Orbital measurements of neutrons by the Lunar Exploring Neutron Detector (LEND) onboard the Lunar Reconnaissance Orbiter are being used to quantify the spatial distribution of near surface hydrogen (H). Inferred H concentration maps have low signal-to-noise (SN) and image restoration (IR) techniques are being studied to enhance results. A single-blind. two-phase study is described in which four teams of researchers independently developed image restoration techniques optimized for LEND data. Synthetic lunar epithermal neutron emission maps were derived from LEND simulations. These data were used as ground truth to determine the relative quantitative performance of the IR methods vs. a default denoising (smoothing) technique. We review and used factors influencing orbital remote sensing of neutrons emitted from the lunar surface to develop a database of synthetic "true" maps for performance evaluation. A prior independent training phase was implemented for each technique to assure methods were optimized before the blind trial. Method performance was determined using several regional root-mean-square error metrics specific to epithermal signals of interest. Results indicate unbiased IR methods realize only small signal gains in most of the tested metrics. This suggests other physically based modeling assumptions are required to produce appreciable signal gains in similar low SN IR applications.

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

NASA Astrophysics Data System (ADS)

Lukmanova, Inessa

2017-10-01

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

Bank ownership, lending, and local economic performance during the 2008–2009 financial crisis

PubMed Central

Coleman, Nicholas; Feler, Leo

2017-01-01

Although government banks are frequently associated with political capture and resource misallocation, they may be well-positioned during times of crisis to provide countercyclical support. Following the collapse of Lehman Brothers in September 2008, Brazil’s government banks substantially increased lending. Localities in Brazil with a high share of government banks received more loans and experienced better employment outcomes relative to localities with a low share of government banks. While increased government bank lending mitigated an economic downturn, we find that this lending was politically targeted, inefficiently allocated, and reduced productivity growth. PMID:28936027

Bank ownership, lending, and local economic performance during the 2008-2009 financial crisis.

PubMed

Coleman, Nicholas; Feler, Leo

2015-04-01

Although government banks are frequently associated with political capture and resource misallocation, they may be well-positioned during times of crisis to provide countercyclical support. Following the collapse of Lehman Brothers in September 2008, Brazil's government banks substantially increased lending. Localities in Brazil with a high share of government banks received more loans and experienced better employment outcomes relative to localities with a low share of government banks. While increased government bank lending mitigated an economic downturn, we find that this lending was politically targeted, inefficiently allocated, and reduced productivity growth.

An evaluation of Turbo Prolog with an emphasis on its application to the development of expert systems

NASA Technical Reports Server (NTRS)

Loftin, Richard B.

1987-01-01

Turbo Prolog is a recently available, compiled version of the programming language Prolog. Turbo Prolog is designed to provide not only a Prolog compiler, but also a program development environment for the IBM Personal Computer family. An evaluation of Turbo Prolog was made, comparing its features to other versions of Prolog and to the community of languages commonly used in artificial intelligence (AI) research and development. Three programs were employed to determine the execution speed of Turbo Prolog applied to various problems. The results of this evaluation demonstrated that Turbo Prolog can perform much better than many commonly employed AI languages for numerically intensive problems and can equal the speed of development languages such as OPS5+ and CLIPS, running on the IBM PC. Applications for which Turbo Prolog is best suited include those which (1) lend themselves naturally to backward-chaining approaches, (2) require extensive use of mathematics, (3) contain few rules, (4) seek to make use of the window/color graphics capabilities of the IBM PC, and (5) require linkage to programs in other languages to form a complete executable image.

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.

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...

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…

People-to-People Lending: The Emerging E-Commerce Transformation of a Financial Market

NASA Astrophysics Data System (ADS)

Wang, Hui; Greiner, Martina; Aronson, Jay E.

This paper provides an overview of the concept of people-to-people (P2P) lending, a relatively new e-commerce phenomenon that has the potential to radically change the structure of the loan segment of the financial industry. P2P lending creates a marketplace of individuals and a social fabric through which these individuals interact. It provides efficient information transfer, thus perhaps creating more perfect markets. P2P lending requires information systems support to make it function, and to provide a social network mechanism that may be crucial for its success. We discuss different P2P lending marketplace models, and how information systems support the creation and management of these new marketplaces, and how they support the individuals involved. We conclude by providing some important research questions and directions, and issues for which further investigation is called.

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...

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…

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...

(Education: Sector Policy Paper. Third Edition) [In Arabic; Japanese].

ERIC Educational Resources Information Center

Haddad, Wadi D.; And Others

The present paper updates the World Bank's interpretation of education development and outlines a policy framework for lending for education. After chapters on the relationship between education and development and on the state of education development, the paper devotes a chapter to each of five issues: the expansion and equalization of…

Education: Politique Sectorielle. Troisieme Edition. (Education: Sector Policy Paper. Third Edition.)

ERIC Educational Resources Information Center

Haddad, Wadi D.; And Others

The present paper updates the World Bank's interpetation of education development and outlines a policy framework for lending for education. After chapters on the relationship between education and development and on the state of education development, the paper devotes a chapter to each of five issues: the expansion and equalization of…

Social networking sites (SNS) as a tool for midwives to enhance social capital for adolescent mothers.

PubMed

Nolan, Samantha; Hendricks, Joyce; Williamson, Moira; Ferguson, Sally

2018-07-01

to explore ways in which midwives can enhance the support provided by social networking sites for adolescent mothers. a narrative approach was employed to guide the research design and processes. Approval was obtained from Edith Cowan University human ethics department. focus groups and interviews were undertaken with adolescent mothers and midwives in Western Australia. the four key themes identified across both groups were validation by midwives, importance of ownership, enhanced community connections and the importance of guideline development. findings suggest both mothers and midwives consider there are a variety of ways in which healthcare professionals could enhance the support afforded to adolescent mothers by their use of SNS. Midwives were more likely to consider the need for guideline development, but the underlying value of accessible, professionally mediated online support and information was consistent across the two groups. Midwives would benefit from acknowledging the role played by SNS in providing support to adolescent mothers and by considering ways in which this technology can be used to lend further support to this group of mothers. Copyright © 2018 Elsevier Ltd. All rights reserved.

The use of traditional Hawaiian knowledge in the contemporary management of marine resources

USGS Publications Warehouse

Poepoe, Kelson K.; Bartram, Paul K.; Friedlander, Alan M.

2003-01-01

It is traditional for Hawaiians to "consult nature" so that fishing is practiced at times and places, and with gear that causes minimum disruption of natural biological and ecological processes. The Ho'olehua Hawaiian Homestead continues this tradition in and around Mo'omomi Bay on the northwest coast of the island of Moloka'i. This community relies heavily on inshore marine resources for subsistence and consequently, has an intimate knowledge of these resources. The shared knowledge, beliefs, and values of the community are culturally channeled to promote proper fishing behavior. This informal system brings more knowledge, experience, and moral commitment to fishery conservation than more centralized government management. Community-based management in the Mo'omomi area involves observational processes and problem-solving strategies for the purpose of conservation. The system is not articulated in the manner of Western science, but relies instead on mental models. These models foster a practical understanding of local inshore resource dynamics by the fishing community and, thus, lend credibility to unwritten standards for fishing conduct. The "code of conduct" is concerned with how people fish rather than how much they catch.

Review of "World Bank Financing of Education: Lending, Learning, and Development," by Phillip W. Jones.

ERIC Educational Resources Information Center

Spaulding, Seth

1996-01-01

Reviews current criticisms of World Bank educational projects and their negative impacts on developing nations as context for a book that traces the evolution of Bank policies from its first projects in the 1960s to the present. (SV)

Knowledge Aid as Instrument of Regulation: World Bank's Non-Lending Higher Education Support for Ethiopia

ERIC Educational Resources Information Center

Molla, Tebeje

2014-01-01

In the context of low-income countries, the role of donors in public policymaking is of great importance. Donors use a combination of lending and non-lending instruments as pathways of influence to shape policy directions in aid-recipient countries. This paper reports some findings from a doctoral study on the role of the World Bank in the recent…

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...

Direct Government Lending: The Bottom Line. A Critique of GAO's Report on Guaranteed Student Loans versus Direct Lending and Revised Savings Estimates.

ERIC Educational Resources Information Center

Quick, Perry D.

This report addresses the dollar savings described in the Government Accounting Office's (GAO) report supporting direct lending as opposed to the present guaranteed student loan program. The critique explains the changes in the GAO model assumptions and projections that are believed necessary to move from the original $4.8 billion savings to a…

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...

Community-Based Participatory Research in an Obesity Prevention Media Campaign for Mexican Americans: Tu Salud ¡Si Cuenta!

PubMed Central

Reininger, Belinda M.; Barroso, Cristina S.; Mitchell-Bennett, Lisa; Cantu, Ethel; Fernandez, Maria E.; Gonzalez, Dora Alicia; Chavez, Marge; Freeberg, Diamantina; McAlister, Alfred

2009-01-01

Background and Methods To address obesity and related morbidities, community-based participatory research (CBPR) strategies were employed to design / evaluate a Spanish language media campaign promoting physical activity and healthful food choices among Mexican Americans. Qualitative evaluation strategies including content analyses on types and focus of media messages were conducted. Focus groups assessed appeal and trustworthiness of messages. Results All media campaign products feature role models and experts. Campaign messages primarily (98%) appear in TV morning show segments. Newsletters present individual and family role model stories. Majority of newsletters (68%) are distributed through churches and “promotora” outreach efforts. Conclusions CBPR lends itself to the selection and tailoring of evidence-based media campaigns. Moreover, CBPR guidance resulted in media messages that are credible and appealing to audience. Process evaluation strategies that gather information from the community provide solid evidence for how to modify the campaign to best meet audience expectations. PMID:19131541

Academic administrators' attitudes towards interprofessional education in Canadian schools of health professional education.

PubMed

Curran, Vernon R; Deacon, Diana R; Fleet, Lisa

2005-05-01

Interprofessional education is an approach to educating and training students and practitioners from different health professions to work in a collaborative manner in providing client and/or patient-centred care. The introduction and successful implementation of this educational approach is dependent on a variety of factors, including the attitudes of students, faculty, senior academic administrators (e.g., deans and directors) and practitioners. The purpose of this study was to examine attitudes towards interprofessional teamwork and interprofessional education amongst academic administrators of post-secondary health professional education programs in Canada. A web-based questionnaire in English and French was distributed via e-mail messaging during January 2004 to academic administrators in Canada representing medicine, nursing, pharmacy, social work, occupational therapy and physiotherapy post-secondary educational programs. Responses were sought on attitudes towards interprofessional teamwork and interprofessional education, as well as opinions regarding barriers to interprofessional education and subject areas that lend themselves to interprofessional education. In general, academic administrators responding to the survey hold overall positive attitudes towards interprofessional teamwork and interprofessional education practices, and the results indicate there were no significant differences between professions in relation to these attitudinal perspectives. The main barriers to interprofessional education were problems with scheduling/calendar, rigid curriculum, turf battles and lack of perceived value. The main pre-clinical subject areas which respondents believed would lend themselves to interprofessional education included community health/prevention, ethics, communications, critical appraisal, and epidemiology. The results of this study suggest that a favourable perception of both interprofessional teamwork and interprofessional education exists amongst academic administrators of Canadian health professional education programs. If this is the case, the post-secondary system in Canada is primed for the introduction of interprofessional education initiatives which support the development of client and patient-centred collaborative practice competencies.

Using the Land

ERIC Educational Resources Information Center

Nagle, Corey; Pecore, John

2018-01-01

Land use and development are complex issues rooted in ecology and environmental science as well as in politics and economics. This complexity lends itself to a problem-based learning (PBL) lesson for environmental science students. In the lesson described in this article, students investigated developing a city-owned, 13-acre site where a shopping…

Moral Development and Education. Professional Education Series.

ERIC Educational Resources Information Center

Forisha, Bill E.; Forisha, Barbara E.

Problems of providing effective training for moral development are discussed. Intended for teachers, parents, and education students, the book lends itself easily to application in the classroom. The book is presented in three sections. Section I provides a historical and philosophical perspective on the need for moral education and on basic…

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.

Educacion: Documento de Politica Sectorial. Tercera Edicion. (Education: Sector Policy Paper. Third Edition.)

ERIC Educational Resources Information Center

Haddad, Wadi D.; And Others

The present paper updates the World Bank's interpretations of education development and outlines a policy framework for lending for education. After chapters on the relationship between education and development and on the state of education development, the paper devotes a chapter to each of five issues: the expansion and equalization of…

Debt-for-nature swaps: A new strategy for protecting environmental interests in developing nations

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

Hamlin, T.B.

1989-01-01

Nature swaps are a generally well-conceived approach to mitigating the destruction of environmentally sensitive areas in developing nations while remaining sensitive to the economic needs of developing countries. They allow developing countries to dedicate some of their debt repayment to local projects, thus benefiting both their economies and the environment. Swaps also help them obtain assistance from environmental organizations in developed nations to manage their own natural resources. Environmentalists, through the purchase of steeply discounted debt, maximize their investment in tropical forest preservation. In addition they can strengthen environmental organizations in developing nations by including local environmentalists in both policymore » decisionmaking and the implementation of conservation projects. Debt-for-nature swaps also keep the subject of tropical deforestation on the agenda of the international community and offer small international lending institutions a socially redeeming means of removing bad loans from their ledgers. Finally, each government's authority to choose its own development objectives is only slightly encumbered by sharing decisionmaking authority with the environmentalists. Essentially, the swapping governments have agreed to cooperate. consequently, tropical forests only have as much protection as the tropical states desire. This does not mean that swaps are of little moment. Hopefully, collaboration between conservationists in the developed world and leaders of the developing nations will contribute to a constructive framework for future efforts to preserve the earth's tropical forests.« less

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 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

Beauty premium: Event-related potentials evidence of how physical attractiveness matters in online peer-to-peer lending.

PubMed

Jin, Jia; Fan, Bonai; Dai, Shenyi; Ma, Qingguo

2017-02-15

Although it is well known that attractiveness-based impressions affect the labor market, election outcomes and many other social activities, little is known about the role physical attractiveness plays in financial transactions. With the development of online finance, peer-to-peer lending has become one of the most important ways in which businesses or individuals raise capital. However, because of information asymmetry, the lender must decide whether or not to lend money to a stranger based on limited information, resulting in their decision being influenced by many other factors. In the current study, we investigated how potential borrowers' facial attractiveness influenced lenders' attitudes toward borrowers' repayment behavior at the brain level by using event-related potentials. At the priming stage, photos of attractive borrowers induced smaller N200 amplitude than photos of unattractive borrowers. Meanwhile, at the feedback stage, compared with the condition of repaying on time, breach of repayment from unattractive borrowers induced larger feedback-related negativity (FRN) amplitude, which was a frontal-central negative deflection and would be enhanced by the unexpected outcome. Furthermore, smaller P300 amplitude was also elicited by the condition of not repaying on time. These differences in the FRN and P300 amplitudes were not observed between negative and positive feedback from attractive borrowers. Therefore, our findings suggest that the beauty premium phenomenon is present in online peer-to-peer lending and that lenders were more tolerant toward attractive borrowers' dishonest behavior. Copyright © 2017 Elsevier B.V. All rights reserved.

Reference measurements of pavement management system roadway elevations.

DOT National Transportation Integrated Search

2009-08-01

New, more efficient methods of measuring road surfaces, including using moving vehicles, are being developed and deployed. Testing the veracity of such data presents its own problems. Busy, heavily traveled highways do not lend themselves to easy occ...

[Economic Growth and Development].

ERIC Educational Resources Information Center

Clausen, A. W.

Recent efforts of the World Bank to improve global economic problems are described, issues which will influence the role of the World Bank in the decade to come are discussed, and the Bank's future role is examined. Recent World Bank efforts to help developing nations include a lending program, project investments, analytical and advisory work,…

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.

John Wheatley Award Talk: Promoting Under-Represented Physicists in Asian and Arab Countries and Muslim Women in Science

NASA Astrophysics Data System (ADS)

Nahar, Sultana

2013-04-01

Physics fascinates people's minds regardless of their geographic location. Often the best students choose the challending profession of physics. Physicists in developing countries in Asia and Arab countries work mostly on their own with limited resources or external collaboration and some do extraordinarily well. However, these dedicated individuals need the support and interactive modalities with their fellow physicists, particularly from developed countries, for coherent and rapid advances in knowledge, discoveries and inventions. My main objective is to promote and motivate physics education and research in developing and Arab countries to a level of excellence commensurate with that at U.S. institutions, and to facilitate connection through the strong network of APS. I have developed a general STEM based program. Another focus of this initiative is the very weak community of Muslim women in science, who have have remained behind owing to surrounding circumstances. To encourage them in scientific professions, and to enable them to nurture their intellectuality, we have formed a network called the International Society of Muslim Women in Science. It now has 85 enthusiastic and aspiring members from 21 countries. I will discuss these and the special needs of the these under-represented scientists, and how APS might lend them its valuable support.

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;

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…

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.;

Understanding how social networking influences perceived satisfaction with conference experiences

USGS Publications Warehouse

van Riper, Carena J.; van Riper, Charles; Kyle, Gerard T.; Lee, Martha E.

2013-01-01

Social networking is a key benefit derived from participation in conferences that bind the ties of a professional community. Building social networks can lead to satisfactory experiences while furthering participants' long- and short-term career goals. Although investigations of social networking can lend insight into how to effectively engage individuals and groups within a professional cohort, this area has been largely overlooked in past research. The present study investigates the relationship between social networking and satisfaction with the 10th Biennial Conference of Research on the Colorado Plateau using structural equation modelling. Results partially support the hypothesis that three dimensions of social networking – interpersonal connections, social cohesion, and secondary associations – positively contribute to the performance of various conference attributes identified in two focus group sessions. The theoretical and applied contributions of this paper shed light on the social systems formed within professional communities and resource allocation among service providers.

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…

Reference measurements of pavement management system roadway elevations : tech summary.

DOT National Transportation Integrated Search

2009-08-01

New, more efficient methods of measuring road surfaces, including using moving vehicles, are being developed and deployed. Testing the veracity of such data presents its own problems. Busy, heavily traveled highways do not lend themselves to easy occ...

A network model of the interbank market

NASA Astrophysics Data System (ADS)

Li, Shouwei; He, Jianmin; Zhuang, Yaming

2010-12-01

This work introduces a network model of an interbank market based on interbank credit lending relationships. It generates some network features identified through empirical analysis. The critical issue to construct an interbank network is to decide the edges among banks, which is realized in this paper based on the interbank’s degree of trust. Through simulation analysis of the interbank network model, some typical structural features are identified in our interbank network, which are also proved to exist in real interbank networks. They are namely, a low clustering coefficient and a relatively short average path length, community structures, and a two-power-law distribution of out-degree and in-degree.

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…

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...

31 CFR 500.576 - Authorization of transactions concerning certain development projects in Vietnam.

Code of Federal Regulations, 2010 CFR

2010-07-01

... Regulations Relating to Money and Finance (Continued) OFFICE OF FOREIGN ASSETS CONTROL, DEPARTMENT OF THE TREASURY FOREIGN ASSETS CONTROL REGULATIONS Licenses, Authorizations and Statements of Licensing Policy... section, Qualified Projects include investment projects, structural adjustment lending, sector adjustment...

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

Football and post-war reintegration: exploring the role of sport in DDR processes in Sierra Leone.

PubMed

Dyck, Christopher B

2011-01-01

Growing enthusiasm for 'Sport for development and peace' (SDP) projects around the world has created a much greater interest among critical scholars seeking to interrogate potential gains, extant limitations and challenges of using sport to advance 'development' and 'peace' in Africa. Despite this interest, the role of sport in post-conflict peace building remains poorly understood. Since peace building, as a field of study, lends itself to practical approaches that seek to address underlying sources of violent conflict, it is surprising that it has neglected to take an interest in sport, especially its grassroots models. In Africa, football (soccer) in particular has a strong appeal because of its popularity and ability to mobilise individuals and communities. Through a case study on Sierra Leone, this paper focuses on sports in a particularly prominent post-civil war UN intervention—the disarmament, demobilisation and reintegration (DDR) process—to determine how ex-youth combatants, camp administrators and caregivers perceive the role and significance of sporting activities in interim care centres (ICCS) or DDR camps. It argues that sporting experiences in ddr processes are fruitful microcosms for understanding nuanced forms of violence and healing among youth combatants during their reintegration process.

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...

7 CFR 3565.5 - Ranking and selection criteria.

Code of Federal Regulations, 2010 CFR

2010-01-01

..., management, and ownership responsibilities, and the owner and development team must not be under...) Demonstrate market and financial feasibility; and (5) Include evidence that the credit risk is reasonable, taking into account conventional lending practices, and factors related to concentration of risk in a...

7 CFR 3565.5 - Ranking and selection criteria.

Code of Federal Regulations, 2011 CFR

2011-01-01

..., management, and ownership responsibilities, and the owner and development team must not be under...) Demonstrate market and financial feasibility; and (5) Include evidence that the credit risk is reasonable, taking into account conventional lending practices, and factors related to concentration of risk in a...

Learning and Teaching Measurement (2003 Yearbook)

ERIC Educational Resources Information Center

Clements, Douglas H., Ed.

2003-01-01

Measurement can develop in the earliest years from children's experience, and it readily lends itself to real-world application. Focusing on research and practice, NCTM's 2003 Yearbook presents current thinking about the learning and teaching of measurement, including students' understanding, the mathematics of measurement, estimation and…

Adventure-Based Learning across Domains.

ERIC Educational Resources Information Center

Garside, Colleen

With "adventure-based" learning, instructors present activities in a way that allows the group to develop its own abilities, with guidance from the instructor when appropriate. Adventure-based learning activities (which emphasize the importance of play) lend themselves to inclusion in the basic speech communication course, particularly…

Tampering With the Temporal Order

ERIC Educational Resources Information Center

Davis, Gerald H.; Laushey, David M.

1972-01-01

Innovation in a Western Civilization course, using reverse chronology to survey historical developments, provides needed relevance and student involvement. Exercises covering eleven themes defined in discussion of post-1945 period are listed which direct students to reorganize data, and which lend themselves to further independent reading and…

13 CFR 307.9 - Revolving Loan Fund Plan.

Code of Federal Regulations, 2010 CFR

2010-01-01

... lending area under § 307.18, a change in critical management staff, or a change to the strategic purpose...-approved economic development plan, if applicable, for the Region. (2) The Plan must identify the strategic... management procedures, including loan processing, underwriting, closing, disbursements, collections...

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…

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...

Should efforts in favor of medical student diversity be focused during admissions or farther upstream?

PubMed

Reiter, Harold I; Lockyer, Jocelyn; Ziola, Barry; Courneya, Carol-Ann; Eva, Kevin

2012-04-01

Traditional medical school admissions assessment tools may be limiting diversity. This study investigates whether the Multiple Mini-Interview (MMI) is diversity-neutral and, if so, whether applying it with greater weight would dilute the anticipated negative impact of diversity-limiting admissions measures. Interviewed applicants to six medical schools in 2008 and 2009 underwent MMI. Predictor variables of MMI scores, grade point average (GPA), and Medical College Admission Test (MCAT) scores were correlated with diversity measures of age, gender, size of community of origin, income level, and self-declared aboriginal status. A subset of the data was then combined with variable weight assigned to predictor variables to determine whether weighting during the applicant selection process would affect diversity among chosen applicants. MMI scores were unrelated to gender, size of community of origin, and income level. They correlated positively with age and negatively with aboriginal status. GPA and MCAT correlated negatively with age and aboriginal status, GPA correlated positively with income level, and MCAT correlated positively with size of community of origin. Even extreme combinations of MMI and GPA weightings failed to increase diversity among applicants who would be selected on the basis of weighted criteria. MMI could not neutralize the diversity-limiting properties of academic scores as selection criteria to interview. Using academic scores in this way causes range restriction, counteracting attempts to enhance diversity using downstream admissions selection measures such as MMI. Diversity efforts should instead be focused upstream. These results lend further support for the development of pipeline programs.

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…

Building Self-Esteem through Visual Art: A Curriculum for Middle School Girls.

ERIC Educational Resources Information Center

Emerson, Ann

This project is to help students learn about ways to investigate self-esteem and develop resiliency through the medium of visual art. The project is developed with middle school girls in mind but can be used with all people who experience some loss of self through socialization. The art studio lends itself to experiment with ideas and…

Sense of place among New England organic farmers and commercial fishermen: How social context shapes identity and environmentally responsible behavior

NASA Astrophysics Data System (ADS)

Mueller, Anneliese Marie

Given the prominence of sense of place in new environmental education curricula, this study aims to strengthen the conceptual and empirical foundations of sense of place, and to determine how sense of place may be linked to environmentally responsible behavior. For this study, five commercial fishermen and five organic farmers from the New England Seacoast region participated in a series of in-depth phenomenological interviews and observations. The data was systematically coded in order to allow themes and categories to emerge. The results indicate that aspects of the existing conceptual framework of sense of place, such as place attachment, ecological knowledge, and public involvement, do in fact describe the relationship between people and place. However, the results also indicate that two conceptual elements---attention to social context and awareness of moral theory---are missing from the current conceptual framework in EE theory. These results suggest that the current framework should be expanded to emphasize the role of human and non-human communities: the development of a sense of place and the learning of environmentally responsible behavior must be situated within a social context. This study lends support to the view that for sense of place to move people to ethical action, it is crucial for them to recognize, and to participate in, a community of support and care.

Tactical Economics: The U.S. Army’s Tactical Contribution to Economic Development

DTIC Science & Technology

2012-06-08

34Muhammad Yunus and Ray Porter, Banker to the Poor [Micro-Lending and the Battle against World Poverty] (Ashland, OR: Blackstone Audiobooks). 35...Battle against World Poverty]. Ashland, OR: Blackstone Audiobooks, 2007. Government Documents Coles, Harry Lewis, Albert Katz Weinberg, and Center

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

Temperament, Speech and Language: An Overview

ERIC Educational Resources Information Center

Conture, Edward G.; Kelly, Ellen M.; Walden, Tedra A.

2013-01-01

The purpose of this article is to discuss definitional and measurement issues as well as empirical evidence regarding temperament, especially with regard to children's (a)typical speech and language development. Although all ages are considered, there is a predominant focus on children. Evidence from considerable empirical research lends support…

24 CFR 1006.205 - Development.

Code of Federal Regulations, 2010 CFR

2010-04-01

... homebuyers through: (i) Down payment assistance; (ii) Closing costs assistance; (iii) Direct lending; and (iv... assisted and unassisted units are not comparable, the actual costs may be determined based upon a method of cost allocation. If the assisted and unassisted units are comparable in terms of size, features, and...

Guideline for the management of wounds in patients with lower-extremity neuropathic disease: an executive summary.

PubMed

Crawford, Penny Ellen; Fields-Varnado, Myra

2013-01-01

This article summarizes the WOCN Evidence-Based Clinical Practice Guideline for Management of Wounds in Patients with Lower Extremity Neuropathic Disease. It is intended for use by physicians, nurses, therapists, and other health care professionals who work with adults who have or are at risk for, lower-extremity neuropathic disease (LEND), and includes updated scientific literature available from January 2003 through February 2012. The full guideline contains definitions of lower extremity neuropathic disorders and disease, prevalence of the problem, relevance and significance of the disorders, as well as comprehensive information about etiology, the nervous system, pathogenesis, and the overall management goals for patients at risk for developing neuropathic foot ulcers. A detailed assessment section describes how to conduct a full clinical history and physical examination. The guideline also provides two approaches to interventions. The first focuses on prevention strategies to reduce the risk of developing LEND wounds or recurrence, including life-long foot offloading, routine dermal temperature surveillance, use of adjunctive therapies, medication management, and implementing lower extremity amputation prevention measures and patient self-care education. The second approach summarized LEND wound management strategies including wound cleansing, debridement, infection management, maintenance of intact peri-wound skin, nutrition considerations, pain and paresthesia management, edema management, offloading and management of gait and foot deformity, medication management, surgical options, adjunctive therapies, patient education, and health care provider follow-up. A comprehensive reference list, glossary of terms, and several appendices regarding an algorithm to determine wound etiology, pharmacology, Lower Extremity Amputation (LEAP) Program, diabetes foot screening and other information is available at the end of the guideline.

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...

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.

Phylogenetic Paleoecology: Tree-Thinking and Ecology in Deep Time.

PubMed

Lamsdell, James C; Congreve, Curtis R; Hopkins, Melanie J; Krug, Andrew Z; Patzkowsky, Mark E

2017-06-01

The new and emerging field of phylogenetic paleoecology leverages the evolutionary relationships among species to explain temporal and spatial changes in species diversity, abundance, and distribution in deep time. This field is poised for rapid progress as knowledge of the evolutionary relationships among fossil species continues to expand. In particular, this approach will lend new insights to many of the longstanding questions in evolutionary biology, such as: the relationships among character change, ecology, and evolutionary rates; the processes that determine the evolutionary relationships among species within communities and along environmental gradients; and the phylogenetic signal underlying ecological selectivity in background and mass extinctions and in major evolutionary radiations. Copyright © 2017 Elsevier Ltd. All rights reserved.

Alabama Public Library Service Annual Report.

ERIC Educational Resources Information Center

Alabama Public Library Service, Montgomery.

The Alabama Public Library Service (APLS) lists its duties, goals, and recent accomplishments in this 1988 annual report. Some of these duties and goals are: (1) administering grants for library development and state aid; (2) providing consultation for library automation; (3) researching and answering reference questions; (4) lending books from…

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)

Rural Housing Site Planning in North Carolina. Agricultural Extension Publication 105.

ERIC Educational Resources Information Center

Hester, Randolph T., Jr.; And Others

Addressing the problems of rural housing site selection and development in North Carolina, this guide is designed for cooperative and coordinated use by: technical assistance personnel employed by the Farmers Home Administration; local lending institutions; Health Departments; the Agricultural Extension Service; the Soil Conservation Service; and…

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…

Geology of the Teakettle Creek watersheds

Treesearch

Robert S. LaMotte

1937-01-01

The Teakettle Creek Experimental Watersheds lie for the most part on quartzites of probable Triassic age. However one of the triplicate drainages has a considerable acreage developed on weathered granodiorite. Topography is relatively uniform and lends itself to triplicate watershed studies. Locations for dams are suitable if certain engineering precautions...

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...

34 CFR 412.30 - What additional activities must be carried out by Curriculum Coordination Centers?

Code of Federal Regulations, 2012 CFR

2012-07-01

.... (d) Maintain a lending library with a collection of vocational education curriculum, research, and... materials and services and other information resulting from research and development activities carried out... responsibilities for liaison activities within the States, including— (1) Obtaining new curriculum and research and...

34 CFR 412.30 - What additional activities must be carried out by Curriculum Coordination Centers?

Code of Federal Regulations, 2011 CFR

2011-07-01

.... (d) Maintain a lending library with a collection of vocational education curriculum, research, and... materials and services and other information resulting from research and development activities carried out... responsibilities for liaison activities within the States, including— (1) Obtaining new curriculum and research and...

34 CFR 412.30 - What additional activities must be carried out by Curriculum Coordination Centers?

Code of Federal Regulations, 2013 CFR

2013-07-01

.... (d) Maintain a lending library with a collection of vocational education curriculum, research, and... materials and services and other information resulting from research and development activities carried out... responsibilities for liaison activities within the States, including— (1) Obtaining new curriculum and research and...

34 CFR 412.30 - What additional activities must be carried out by Curriculum Coordination Centers?

Code of Federal Regulations, 2014 CFR

2014-07-01

.... (d) Maintain a lending library with a collection of vocational education curriculum, research, and... materials and services and other information resulting from research and development activities carried out... responsibilities for liaison activities within the States, including— (1) Obtaining new curriculum and research and...

Rethinking Student Loan Debt: Tools and Strategies for Debt Management.

ERIC Educational Resources Information Center

Mason, Susan G.

2001-01-01

Analyzes student loan debt at the University of Missouri-St. Louis School of Optometry, showing the need for a comprehensive debt management program. Presents a model for determining manageable amounts of student loan debt developed from conventional lending criteria and data on earnings for optometrists. (EV)

Internships: Lending a Hand.

ERIC Educational Resources Information Center

Cayan, Sally; Jacquart, Jamie

1990-01-01

The benefits derived from an internship program within a college or university graduate education classroom are discussed, as well as the program's development and operation. Benefits from such a program are viewed as affecting both the institution and the interns themselves. The institution is provided with extra staff, along with their fresh…

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...

The Evolution of Advanced Molecular Diagnostics for the Detection and Characterization of Mycoplasma pneumoniae.

PubMed

Diaz, Maureen H; Winchell, Jonas M

2016-01-01

Over the past decade there have been significant advancements in the methods used for detecting and characterizing Mycoplasma pneumoniae, a common cause of respiratory illness and community-acquired pneumonia worldwide. The repertoire of available molecular diagnostics has greatly expanded from nucleic acid amplification techniques (NAATs) that encompass a variety of chemistries used for detection, to more sophisticated characterizing methods such as multi-locus variable-number tandem-repeat analysis (MLVA), Multi-locus sequence typing (MLST), matrix-assisted laser desorption ionization-time-of-flight mass spectrometry (MALDI-TOF MS), single nucleotide polymorphism typing, and numerous macrolide susceptibility profiling methods, among others. These many molecular-based approaches have been developed and employed to continually increase the level of discrimination and characterization in order to better understand the epidemiology and biology of M. pneumoniae. This review will summarize recent molecular techniques and procedures and lend perspective to how each has enhanced the current understanding of this organism and will emphasize how Next Generation Sequencing may serve as a resource for researchers to gain a more comprehensive understanding of the genomic complexities of this insidious pathogen.

The lived experience of violence: using storytelling as a teaching tool with middle school students.

PubMed

Werle, Gretchen D

2004-04-01

This qualitative study explored 8th-grade students' responses to hearing stories about the lived experience of violence. A convenience sample of 13 students attending health education classes at a public middle school was used. After hearing each story, students answered a series of questions using the process of free writing. Free writing is a technique that allows students to explore their thoughts and reactions while promoting critical thinking. Student free writing samples were analyzed using a process of constant comparison. Three themes emerged from the data: (a) students gain insights into the realities of violence through hearing these stories, (b) students respond on an emotional level to both the stories and the storytellers, and (c) students respond positively to and are engaged by these stories. The findings lend support to the use of storytelling in teaching youth about violence. School nurses can develop and implement violence prevention education programs using the storytelling model, seek grant and community support for such programs, and conduct further research into the use of the storytelling model.

Winnebago Resource Study. Cooperative Research and Development Final Report, CRADA Number CRD-09-329

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

Jimenez, A.; Robichaud, R.

2015-03-01

Since 2005 the NREL Native American Tall Tower Loan program has assisted Native American tribes to assess their wind resource by lending tall (30m - 50m) anemometer. This program has allowed tribes a lower risk way to gather financeable wind data for potential utility scale wind energy projects. These projects offer Tribes a significant economic development opportunity.

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…

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...

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...

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...

Process Dissociation and Mixture Signal Detection Theory

ERIC Educational Resources Information Center

DeCarlo, Lawrence T.

2008-01-01

The process dissociation procedure was developed in an attempt to separate different processes involved in memory tasks. The procedure naturally lends itself to a formulation within a class of mixture signal detection models. The dual process model is shown to be a special case. The mixture signal detection model is applied to data from a widely…

Strategies to Test for Private Student Loan Discrimination

ERIC Educational Resources Information Center

Darolia, Rajeev

2014-01-01

Little is known about private student loan discrimination, in contrast to the relatively developed research on discrimination in other credit markets such as mortgages and credit cards. The private student lending market can play a key role in responding to changes in the policy or economic environment, and many students and their families turn to…

If Maslow Created a Composition Course: A New Look at Motivation in the Classroom.

ERIC Educational Resources Information Center

Boone, Beth; Hill, Ada S.

The needs hierarchy developed by Abraham Maslow lends itself to the composition classroom. The hierarchy depicts five distinct need levels through which an individual travels: basic, safety/security, belonging/peer acceptance, ego/esteem, and self-actualization. From teacher observations and students' comments, need levels can be assessed and…

Video Dubbing Projects in the Foreign Language Curriculum

ERIC Educational Resources Information Center

Burston, Jack

2005-01-01

The dubbing of muted video clips offers an excellent opportunity to develop the skills of foreign language learners at all linguistic levels. In addition to its motivational value, soundtrack dubbing provides a rich source of activities in all language skill areas: listening, reading, writing, speaking. With advanced students, it also lends itself…

The Effect of Consciousness-Raising Instruction on the Pragmatic Development of Apology and Request

ERIC Educational Resources Information Center

Derakhshan, Ali; Eslami, Zohreh

2015-01-01

A growing body of research in interlanguage pragmatics (ILP) has documented that some features of pragmatics lend themselves well to instruction. Due to the abundant teaching approaches, nevertheless, it is still controversial which are most conducive to learning. Therefore, this study seeks to investigate the effectiveness of…

The World in Their Laps.

ERIC Educational Resources Information Center

Duncan, Lucy E.

2003-01-01

Discusses the St. Philip's College (SPC) Learning Resource Center laptop loaning program. States that SPC is a Historically Black College and Hispanic Serving Institution that is now rewarding honors students by lending them laptops for a semester at a time. Discusses the development of the loaning program. Provides a list of Web sites for anyone…

Are Universities Reaping the Available Benefits Internship Programs Offer?

ERIC Educational Resources Information Center

Weible, Rick

2010-01-01

Many research studies have examined the benefits student internships offer students and employers, but few looked at the benefits internships might lend to educational institutions. A survey instrument was developed and sent to 619 deans of all U.S. business programs. In all, 29% replied. The results indicate some institutions are gaining the…

To amend the Small Business Jobs Act of 2010 to include certain construction and land development loans in the definition of small business lending.

THOMAS, 111th Congress

Rep. Miller, Brad [D-NC-13

2010-09-23

Senate - 09/29/2010 Received in the Senate and Read twice and referred to the Committee on Small Business and Entrepreneurship. (All Actions) Tracker: This bill has the status Passed HouseHere are the steps for Status of Legislation:

International guidelines and standards for education and training to reduce the consequences of events that may threaten the health status of a community. A report of an Open International WADEM Meeting, Brussels, Belgium, 29-31 October, 2004.

PubMed

Archer, Frank; Seynaeve, Geert

2007-01-01

The continued professionalization of the humanitarian workforce requires sound underpinning by appropriate educational programs. The international disaster medicine and emergency health community requested the World Association for Disaster and Emergency Medicine (WADEM) develop international standards and guidelines for the education and training for disaster medicine. The Working Group of the WADEM Education Committee prepared and circulated an Issues Paper to structure input on this significant international task. Subsequently, the Working Group facilitated an Open International Meeting convened in Brussels, Belgium, 2004. The "Issues Paper" also was used as a framework to structure this International Meeting, which utilized case studies selected to represent the scope of disaster medicine, and prepared a meeting consensus on a framework for disaster health and for related educational programs. The two-day Brussels meeting attracted 51 participants from 19 countries, representing 21 disciplines. Participants reinforced the need to address the development of international standards and guidelines on education and training in this emerging discipline. Participants supported the view that the term "Disaster Health" suggested a multidisciplinary approach that is a more inclusive contemporary and appropriate term to describe this field, although there were dissenting views. The meeting formulated a consensus view in support of a framework for "Disaster Health", which included: (1) primary disciplines; (2) support disciplines; (3) community response, resilience, and communication; and (4) socio-political context. The participants considered that this model lends itself to facilitating the development of educational programs in this field and believed that standards and guidelines initially should be developed in the "Core of Disaster Health" for undergraduates in relevant professions, for practicing professionals wishing to expand their practice in this field, and in the "Breadth of Disaster Health" for those wishing to be recognized as "Disaster Health Specialists" as academics, professionals, or policy leaders in this field at a University multidisciplinary Masters Degree level. A community-level and higher-specialist doctoral level would follow. Although the view of the participants was that the establishment of international approval/endorsement processes for education programs may have some benefits, there was less comfort in identifying which body/agency should be charged with this responsibility. The WADEM, the United Nations Office for the Coordination of Humanitarian Affairs, and the World Health Organization were identified as potential lead agents. The outcome of this international meeting is an important step toward meeting the challenge given the WADEM and will be developed further in consultation with the international disaster and emergency health community in order to improve education and training standards and professional practice.

NASA's Universe of Learning: The Integral Role of Research Astronomers and Other Subject Matter Experts

NASA Astrophysics Data System (ADS)

Lee, Janice; Universe of Learning Team

2018-01-01

Astronomy seeks to understand the workings of the Universe on its largest scales, and to answer fundamental questions about the story of our origins. The science of astronomy thus naturally lends itself to informal education and public outreach activities, as it broadly captures the human imagination. There are at least three overall goals for investment of resources in Astronomy E/PO: to interest students in pursuing STEM education and careers; to develop Astronomy as context for teaching more basic physical and computer science in service of US National Education Goals; to help motivate continued public support of federally funded Astronomy research and technology development. Providing a full spectrum of opportunities for the public to learn about recent Astronomy discoveries is key to achieving these societal goals. Thus, the E/PO professional community must have an understanding of recent scientific/technological results, and engage with the researchers who are creating new knowledge to explicate that knowledge to the public. It stands to reason that researchers (or “subject matter experts, SMEs”) must be involved in and remain connected to the E/PO endeavor. In this talk, I will describe how research astronomers and other SMEs play an integral role in a full range of informal education programming developed by the NASA Universe of Learning collaboration, and opportunities to get involved.

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…

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...

12 CFR 560.37 - Real estate for office and related facilities.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 5 2011-01-01 2011-01-01 false 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...

12 CFR 560.37 - Real estate for office and related facilities.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 12 Banks and Banking 6 2013-01-01 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...

12 CFR 560.37 - Real estate for office and related facilities.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 6 2012-01-01 2012-01-01 false 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...

13 CFR 120.1900 - When does the Secondary Market Lending Authority Program end?

Code of Federal Regulations, 2010 CFR

2010-01-01

... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false When does the Secondary Market Lending Authority Program end? 120.1900 Section 120.1900 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Establishment of an SBA Direct Loan Program for Systemically Important Secondary...

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

Code of Federal Regulations, 2014 CFR

2014-01-01

... 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 Appendix A to Subpart A of... - Interagency Guidelines for Real Estate Lending Policies

Code of Federal Regulations, 2013 CFR

2013-01-01

... 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 32.6 - Nonconforming loans.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Nonconforming loans. 32.6 Section 32.6 Banks... Nonconforming loans. (a) A loan, within a bank's legal lending limit when made, will not be deemed a violation but will be treated as nonconforming if the loan is no longer in conformity with the bank's lending...

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

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 5 2011-01-01 2011-01-01 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...

Payment to Creators for Library Loans (Public Lending Right).

ERIC Educational Resources Information Center

Faulds, M.

These recommendations and report on Public Lending Right (PLR) drafted by the Parliamentary Assembly of the Council of Europe were designed to encourage the recognition of the principle of PLR and the setting up of compatible PLR schemes throughout Europe. It discusses why an agreement for PLR is necessary, and describes several methods of…

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

Code of Federal Regulations, 2011 CFR

2011-07-01

... 36 Parks, Forests, and Public Property 3 2011-07-01 2011-07-01 false Does NARA lend documents to other institutions for exhibit purposes? 1284.30 Section 1284.30 Parks, Forests, and Public Property... security, fire protection, environmental controls, packing and shipping, exhibit methods, and insurance...

12 CFR 560.172 - Re-evaluation of real estate owned.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Re-evaluation of real estate owned. 560.172 Section 560.172 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY LENDING AND INVESTMENT Lending and Investment Provisions Applicable to all Savings Associations § 560.172 Re-evaluation...

12 CFR 560.50 - Letters of credit and other independent undertakings-authority.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Letters of credit and other independent undertakings-authority. 560.50 Section 560.50 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY LENDING AND INVESTMENT Lending and Investment Powers for Federal Savings Associations § 560.50...

12 CFR 560.42 - State and local government obligations.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 5 2010-01-01 2010-01-01 false State and local government obligations. 560.42 Section 560.42 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY LENDING AND INVESTMENT Lending and Investment Powers for Federal Savings Associations § 560.42 State and local government...

12 CFR 560.37 - Real estate for office and related facilities.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Real estate for office and related facilities. 560.37 Section 560.37 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY LENDING AND INVESTMENT Lending and Investment Powers for Federal Savings Associations § 560.37 Real estate...

Straight Talk on Student Loans. PPI Policy Brief

ERIC Educational Resources Information Center

Shireman, Robert

2004-01-01

The federal government provides student loans for college and graduate school in two ways: by: (1) guaranteeing bank loans; and (2) by lending directly to students. Approximately three-quarters of federal student loans are guaranteed and one-quarter are direct. In the guaranteed loan program, a 40-year-old system, banks lend students money and…

76 FR 29992 - Loan Policies and Operations; Lending and Leasing Limits and Risk Management

Federal Register 2010, 2011, 2012, 2013, 2014

2011-05-24

... System institutions by strengthening their risk mitigation practices and abilities to withstand volatile... leasing practices. In addition, one commenter recommended that there be consistent limits for titles I and... limit was not the best solution to address unsafe lending practices. Rather than lower the limit for...

77 FR 54844 - High-Cost Mortgage and Homeownership Counseling Amendments to the Truth in Lending Act...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-09-06

... BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1026 [Docket No. CFPB-2012-0029] RIN 3170-AA12 High-Cost Mortgage and Homeownership Counseling Amendments to the Truth in Lending Act (Regulation Z) and Homeownership Counseling Amendments to the Real Estate Settlement Procedures Act (Regulation X...

13 CFR 120.470 - What are SBA's additional requirements for SBLCs?

Code of Federal Regulations, 2011 CFR

2011-01-01

... requirements for SBLCs? 120.470 Section 120.470 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Lenders Small Business Lending Companies (sblc) § 120.470 What are SBA's additional... follow. (a) Lending. An SBLC may only make: (1) Loans under section 7(a) (except section 7(a)(13) of the...

13 CFR 120.470 - What are SBA's additional requirements for SBLCs?

Code of Federal Regulations, 2012 CFR

2012-01-01

... requirements for SBLCs? 120.470 Section 120.470 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Lenders Small Business Lending Companies (sblc) § 120.470 What are SBA's additional... follow. (a) Lending. An SBLC may only make: (1) Loans under section 7(a) (except section 7(a)(13) of the...

13 CFR 120.470 - What are SBA's additional requirements for SBLCs?

Code of Federal Regulations, 2010 CFR

2010-01-01

... requirements for SBLCs? 120.470 Section 120.470 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Lenders Small Business Lending Companies (sblc) § 120.470 What are SBA's additional... follow. (a) Lending. An SBLC may only make: (1) Loans under section 7(a) (except section 7(a)(13) of the...

13 CFR 120.470 - What are SBA's additional requirements for SBLCs?

Code of Federal Regulations, 2013 CFR

2013-01-01

... requirements for SBLCs? 120.470 Section 120.470 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Lenders Small Business Lending Companies (sblc) § 120.470 What are SBA's additional... follow. (a) Lending. An SBLC may only make: (1) Loans under section 7(a) (except section 7(a)(13) of the...

13 CFR 120.470 - What are SBA's additional requirements for SBLCs?

Code of Federal Regulations, 2014 CFR

2014-01-01

... requirements for SBLCs? 120.470 Section 120.470 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Lenders Small Business Lending Companies (sblc) § 120.470 What are SBA's additional... follow. (a) Lending. An SBLC may only make: (1) Loans under section 7(a) (except section 7(a)(13) of the...

Vocational bias: a potential pitfall in the use of key informant interviews in pediatric community needs assessments.

PubMed

Northrip, Kimberly; Chen, Candice; Marsh, Jennifer

2008-04-29

Key informants are individuals with insight into a community or a problem of interest. Our objective was to evaluate the effect of the employment type of key informants on the outcome of a pediatric needs assessment for an urban community. Twenty-one interviews were conducted during the course of a pediatric community needs assessment. As part of the interview, informants were asked to list the top three problems facing children in their community. We analyzed their answers to determine if informant responses differed by employment type. Key informants were divided into four employment types: health care setting, social service, business, and infrastructure. Responses were coded as being primarily one of three types: medical, social, or resource. Our results showed that those informants who worked in a health care setting listed medical problems more often than those who did not (p < 0.04). Those who worked in social services listed resource problems more often than those who did not (p < 0.05). Those in business and infrastructure positions listed more social problems (p < 0.37). No difference was observed in response type between those who had lived in the community at some point and those who had not. This study lends support to the hypothesis that informants' reporting of community problems is biased by their vocation. Clinicians often focus their needs assessments on health care workers. This study suggests, however, that we need to take into consideration the bias this presents and to seek to interview people with diverse work experiences. By limiting the process to health care workers, clinicians are likely to get a skewed perspective of a community's needs and wants.

[Health Centers: science and ideology in the re-organization of public health in the twentieth century].

PubMed

Mello, Guilherme Arantes; Viana, Ana Luiza d'Ávila

2011-12-01

Health Centers appeared in the United States around 1910. They provided social assistance in conjunction with some type of medical care. Their original separation between preventive and curative medicine was superseded by the concept of whole health in the 1940s, when Health Center discourse became part of medical education. In the 1960s, the notion of community medicine arose out of the war on poverty. These ideas spread through Brazil in the 1920s and were strengthened under the Vargas policy of national construction, but it was the Serviço Especial de Saúde Pública (Special Public Health Service) that was primarily responsible for lending them their practical and conceptual shape in this country.

A promotora de salud model for addressing cardiovascular disease risk factors in the US-Mexico border region.

PubMed

Balcázar, Héctor; Alvarado, Matilde; Cantu, Frank; Pedregon, Veronica; Fulwood, Robert

2009-01-01

In 2002, the National Heart, Lung, and Blood Institute partnered with the Health Resources and Services Administration's (HRSA's) Bureau of Primary Health Care and Office of Rural Health Policy to address cardiovascular health in the US-Mexico border region. From 2003 through 2005, the 2 agencies agreed to conduct an intervention program using Salud para su Corazón with promotores de salud (community health workers) in high-risk Hispanic communities served by community health centers (CHCs) in the border region to reduce risk factors and improve health behaviors. Promotores de salud from each CHC delivered lessons from the curriculum Your Heart, Your Life. Four centers implemented a 1-group pretest-posttest study design. Educational sessions were delivered for 2 to 3 months. To test Salud para su Corazón-HRSA health objectives, the CHCs conducted the program and assessed behavioral and clinical outcomes at baseline, 3 months, 6 months, and 12 months after the intervention. A 2-sample paired t test and analyses of variance were used to evaluate differences from baseline to postintervention. Changes in heart-healthy behaviors were observed, as they have been in previous Salud para su Corazón studies, lending credibility to the effectiveness of a promotores de salud program in a clinical setting. Positive changes were also observed in low-density lipoprotein cholesterol level, triglyceride level, waist circumference, diastolic blood pressure, weight, and glycated hemoglobin (HbA1c). Results suggest that integrating promotores de salud into clinical practices is a promising strategy for culturally competent and effective service delivery. Promotores de salud build coalitions and partnerships in the community. The Salud para su Corazón-HRSA initiative was successful in helping to develop an infrastructure to support a promotores de salud workforce in the US-Mexico border region.

The development of alternate energy related science courses for non-science majors

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

Kadar, A.

1983-12-01

The greatest need today, beside the research into alternate energy sources, is public education. If the general public would understand the alternatives we might be able to alleviate the level of scepticism. A Community College is in an ideal position to educate a wide range of the public. Our students come from a wide spectrum of the social-economic strata. Most of them live home, which means that hopefully they will discuss at home what they learned from the college community. Since Nassau Community College has an 8 credit science requirement for graduation, we introduced a 4 credit course which dealsmore » with the environmental effects of alternate energy sources. It is a laboratory science course, 3 lecture hours and 3 lab hours per week. Our class size is relatively small (max. 27.5 students) which lends itself to class discussion on the prevailing issues. The importance and urgency of the search for alternatives for fossil fuel is obvious to the scientific community. The general public is very sceptical about the reality of the fuel shortage. The origin of this scepticism might be the result of distrust of government and big business, but the result of the scepticism is that there is no real public support for the search for alternatives. The popular press is not much of a help, often the only alternative to fossil fuels which is considered is nuclear power which has the ability to polarize even the most cohesive groups. One often reads about that this or that alternate energy resource is unlimited, free, nonpolluting, etc., etc. We know that in reality there is no such thing as an energy resource which has all the good qualities and no drawbacks. The classes are also taken to field trips to a power station, cogenerating facilities, etc.« less

Development of a beam builder for automatic fabrication of large composite space structures

NASA Technical Reports Server (NTRS)

Bodle, J. G.

1979-01-01

The composite material beam builder which will produce triangular beams from pre-consolidated graphite/glass/thermoplastic composite material through automated mechanical processes is presented, side member storage, feed and positioning, ultrasonic welding, and beam cutoff are formed. Each process lends itself to modular subsystem development. Initial development is concentrated on the key processes for roll forming and ultrasonic welding composite thermoplastic materials. The construction and test of an experimental roll forming machine and ultrasonic welding process control techniques are described.

How Lending to Eastern Nations Affects the Developing World

DTIC Science & Technology

1983-11-01

Western lenders are not allowed to attach Eastern assets in the West, loans might be cut back or at least made at higher interest rates to cover the... interest rates rise, projects formerly profitable might be unable to cover their costs. Some of this increased production will be the result of higher...nations of the world. It should be of interest to those concerned with East-West economic relations, global economic development, and international

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…

"I Wish We Could Make Books All Day!" An Observational Study of Kindergarten Children During Writing Workshop

ERIC Educational Resources Information Center

Snyders, Chelsea Sue Bahnson

2014-01-01

With the adoption of the Common Core Standards and a renewed emphasis on critical and higher-order thinking skills, exploring the relationship among writing development, self-efficacy beliefs, perseverance, and effort has become essential. The nature of writing workshop not only lends itself to differentiation among students but also provides…

Distributed Architecture for the Object-Oriented Method for Interoperability

DTIC Science & Technology

2003-03-01

Collaborative Environment. ......................121 Figure V-2. Distributed OOMI And The Collaboration Centric Paradigm. .....................123 Figure V...of systems are formed into a system federation to resolve differences in modeling. An OOMI Integrated Development Environment (OOMI IDE) lends ...space for the creation of possible distributed systems is partitioned into User Centric systems, Processing/Storage Centric systems, Implementation

An Evaluation of Career Selection Education in Thirteen Project Schools of the Western States Small Schools Project.

ERIC Educational Resources Information Center

Cragun, John R.; Kartchner, Eugene C.

The Western States Small Schools Project (WSSSP) developed the Career Selection Education (CSE) program to provide students from small high schools in Arizona, Colorado, Nevada, New Mexico, and Utah with: (1) knowledge about self, broad occupational groupings, the institution and dynamics of society which generate, define, and lend meaning to…

Interdisciplinary Science through the Parallel Curriculum Model: Lessons from the Sea

ERIC Educational Resources Information Center

Hathcock, Stephanie J.

2018-01-01

The Parallel Curriculum Model (PCM) lends itself to considering curriculum development from different angles. It begins with a solid Core Curriculum and can then be extended through the Curriculum of Connections, Practice, and Identity. This article showcases a way of thinking about the creation of a PCM unit by providing examples from an…

Information Technology: Tomorrow's Advantage Today.

ERIC Educational Resources Information Center

Haag, Stephen; Keen, Peter

This textbook is designed for a one-semester introductory course in which the goal is to give students a foundation in the basics of information technology (IT). It focuses on how the technology works, issues relating to its use and development, how it can lend personal and business advantages, and how it is creating a globally networked society.…

The Dependent Poisson Race Model and Modeling Dependence in Conjoint Choice Experiments

ERIC Educational Resources Information Center

Ruan, Shiling; MacEachern, Steven N.; Otter, Thomas; Dean, Angela M.

2008-01-01

Conjoint choice experiments are used widely in marketing to study consumer preferences amongst alternative products. We develop a class of choice models, belonging to the class of Poisson race models, that describe a "random utility" which lends itself to a process-based description of choice. The models incorporate a dependence structure which…

Secondary Market Activities of the Student Loan Marketing Association. Report to the Committee on Labor and Human Resources, United States Senate.

ERIC Educational Resources Information Center

General Accounting Office, Washington, DC.

Lending and secondary market activities of the Student Loan Marketing Association (Sallie Mae) since it began operations in 1973 were reviewed. Specific areas of review were: the Association's legislative development and financial activities, its profitability compared to commercial banks and other government-sponsored enterprises that provide…

From Classroom to Coach: One Teacher's Journey

ERIC Educational Resources Information Center

Cataldo, Penny

2013-01-01

In this article Penny Cataldo, a veteran early childhood mathematics teacher, describes her experience as a first time early childhood math coach. In contrast to her role as a teacher, as a math coach she was expected to lend her "expertise" to her fellow early childhood colleagues and help them develop their math practice. After…

Brief Training with Co-Speech Gesture Lends a Hand to Word Learning in a Foreign Language

ERIC Educational Resources Information Center

Kelly, Spencer D.; McDevitt, Tara; Esch, Megan

2009-01-01

Recent research in psychology and neuroscience has demonstrated that co-speech gestures are semantically integrated with speech during language comprehension and development. The present study explored whether gestures also play a role in language learning in adults. In Experiment 1, we exposed adults to a brief training session presenting novel…

Robots Spur Software That Lends a Hand

NASA Technical Reports Server (NTRS)

2014-01-01

While building a robot to assist astronauts in space, Johnson Space Center worked with partners to develop robot reasoning and interaction technology. The partners created Robonaut 1, which led to Robonaut 2, and the work also led to patents now held by Universal Robotics in Nashville, Tennessee. The NASA-derived technology is available for use in warehousing, mining, and more.

A Project-Based, STEM-Integrated Alternative Energy Team Challenge for Teachers

ERIC Educational Resources Information Center

Felix, Allison; Harris, John

2010-01-01

The topic of alternative energy is not only relevant to a multitude of issues today, it is also an effective vehicle for developing instruction that applies across a variety of content disciplines and academic standards. Since many of the issues associated with alternative energy are open-ended, alternative energy also lends itself to…

Design Interactive: A Nonlinear, Multimedia Approach to Teaching Introduction to Visual Communication and Principles of Design

ERIC Educational Resources Information Center

Palilonis, Jennifer; Butler, Darrell; Leidig-Farmen, Pamela

2013-01-01

As online teaching techniques continue to evolve, new opportunities surface for research and insight regarding best practices for the development and implementation of interactive, multimedia teaching and learning tools. These tools are particularly attractive for courses that lend themselves to a rich media approach. Such is the case for visual…

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

Code of Federal Regulations, 2011 CFR

2011-01-01

... until the Fund is terminated. (c) REDG Zero-Interest Loan Requirements. The Fund is made up of Rural... interest rate on that portion of the financing using Rural Development funds will be at zero percent. The... zero percent but must be less than, or equal to, the prevailing prime rate. Using this option, loan...

Patterns of the parasite communities in a fish assemblage of a river in the Brazilian Amazon region.

PubMed

Baia, Raimundo Rosemiro Jesus; Florentino, Alexandro Cezar; Silva, Luís Maurício Abdon; Tavares-Dias, Marcos

2018-06-26

This paper characterizes the pattern of ectoparasite and endoparasite communities in an assemblage of 35 sympatric fish from different trophic levels in a tributary from the Amazon River system, northern Brazil. In detritivorous, carnivorous, omnivorous and piscivorous hosts, the species richness consisted of 82 ectoparasites and endoparasites, but protozoan ectoparasites such as Ichthyophthirius multifiliis, Piscinoodinium pillulare and Tripartiella sp. were dominant species predominated, such that they were present in 80% of the hosts. The taxon richness was in the following order: Monogenea > Nematoda > Digenea > Crustacea > Protozoa > Acanthocephala = Cestoda > Hirudinea. Among the hosts, the highest number of parasitic associations occurred in Satanoperca jurupari, Aequidens tetramerus, Hoplerythrinus unitaeniatus, Hoplosternum littorale, Cichlasoma amazonarum, Chaetobranchus flavescens, Squaliforma emarginata, Chaetobranchopsis orbicularis and Hoplias malabaricus. A weak positive correlation between ectoparasite abundance and length of the hosts was observed. Ectoparasite communities of detritivorous, carnivorous and omnivorous hosts were similar, but these differed from the communities of piscivorous hosts. Larval endoparasite species with low host specificity were the main determinants of the parasite infracommunity structure of the fish assemblage. Fish assemblage had few species of helminth that were specialist endoparasites, while many were parasites at the larval stage, infecting intermediate and paratenic hosts. Finally, carnivorous and omnivorous hosts harbored endoparasite communities that were more heterogeneous than those of detritivorous and piscivorous hosts. This result lends supports to the notion that the feeding habits of the host species are a significant factor in determining the endoparasites fauna.

Residential Segregation and the Transformation of Home Mortgage Lending

ERIC Educational Resources Information Center

Bond, Carolyn; Williams, Richard

2007-01-01

This article shows that, after decades of inequality, the 1990s saw sudden and dramatic increases in lending to low income and minority groups. Drawing in part on the work of Williams, Nesiba and McConnell (2005), we argue that government deregulation, industry restructuring and government-insured loans all fueled this growth by increasing the…

Federal Family Education Loans: Reduced Costs, Direct Lending, and National Income.

ERIC Educational Resources Information Center

Miles, Barbara; Zimmerman, Dennis

This congressional report argues that the costs of the current guaranteed lending program for postsecondary education can be reduced in three ways: (1) by eliminating more-than-competitive returns to private lenders; (2) by reducing administrative costs; and (3) by reducing default costs. It is suggested that the first solution can be accomplished…

77 FR 49089 - High-Cost Mortgage and Homeownership Counseling Amendments to the Truth in Lending Act...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-08-15

... a detailed discussion of the likely impact of the Dodd- Frank Act's amendments on HOEPA lending. \\10.... Those impacts are analyzed in the 2012 TILA-RESPA Proposal, but the Bureau believes that it is also helpful to analyze potential impacts and modifications to particular regulatory triggers on a rule- by...

17 CFR 247.772 - Exemption from the definition of “broker” for banks engaging in securities lending transactions.

Code of Federal Regulations, 2013 CFR

2013-04-01

... 17 Commodity and Securities Exchanges 3 2013-04-01 2013-04-01 false Exemption from the definition of âbrokerâ for banks engaging in securities lending transactions. 247.772 Section 247.772 Commodity and Securities Exchanges SECURITIES AND EXCHANGE COMMISSION (CONTINUED) REGULATION R-EXEMPTIONS AND...

17 CFR 247.772 - Exemption from the definition of “broker” for banks engaging in securities lending transactions.

Code of Federal Regulations, 2011 CFR

2011-04-01

... 17 Commodity and Securities Exchanges 3 2011-04-01 2011-04-01 false Exemption from the definition of âbrokerâ for banks engaging in securities lending transactions. 247.772 Section 247.772 Commodity and Securities Exchanges SECURITIES AND EXCHANGE COMMISSION (CONTINUED) REGULATION R-EXEMPTIONS AND...

17 CFR 247.772 - Exemption from the definition of “broker” for banks engaging in securities lending transactions.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 17 Commodity and Securities Exchanges 3 2010-04-01 2010-04-01 false Exemption from the definition of âbrokerâ for banks engaging in securities lending transactions. 247.772 Section 247.772 Commodity and Securities Exchanges SECURITIES AND EXCHANGE COMMISSION (CONTINUED) REGULATION R-EXEMPTIONS AND...

17 CFR 247.772 - Exemption from the definition of “broker” for banks engaging in securities lending transactions.

Code of Federal Regulations, 2012 CFR

2012-04-01

... 17 Commodity and Securities Exchanges 3 2012-04-01 2012-04-01 false Exemption from the definition of âbrokerâ for banks engaging in securities lending transactions. 247.772 Section 247.772 Commodity and Securities Exchanges SECURITIES AND EXCHANGE COMMISSION (CONTINUED) REGULATION R-EXEMPTIONS AND...