A Perspective on Third-Party Providers and Study Tour Programs: A Mixed Method Study

ERIC Educational Resources Information Center

Hains-Wesson, Rachael; Appleby, Mary

2017-01-01

This article presents an evaluation research outcome that used a mixed method approach. The study evaluated a short-term, study tour unit that was offered as an elective, credit-bearing, work-integrated learning experience for second year undergraduate students at Swinburne University of Technology, Melbourne, Australia. The unit of study offered…

Program Evaluation of a Competency-Based Online Model in Higher Education

ERIC Educational Resources Information Center

DiGiacomo, Karen

2017-01-01

In order to serve its nontraditional students, a university piloted a competency-based program as alternative method for its students to earn college credit. The purpose of this mixed-methods study was to conduct a summative program evaluation to determine if the program was successful in order to make decisions about program revision and…

Credit: A Teaching Unit.

ERIC Educational Resources Information Center

Clanton, Brandolyn; And Others

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

A neural network model for credit risk evaluation.

PubMed

Khashman, Adnan

2009-08-01

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

Continuing professional development crediting system for specialists in laboratory medicine within 28 EFLM national societies

PubMed Central

Topic, Elizabeta; Beletic, Andjelo; Zima, Tomas

2013-01-01

Introduction: Continuing professional development (CPD) with corresponding crediting system is recognized as essential for the laboratory medicine specialists to provide optimal service for the patients. Article presents results of the survey evaluating current CPD crediting practice among members of European Federation of Clinical Chemistry and Laboratory Medicine (EFLM). Materials and methods: A questionnaire had been forwarded to presidents/national representatives of all EFLM members, with invitation to provide information about CPD programmes and crediting policies, as well as feedback on individual CPD categories, through scoring their relevance. Results: Complete or partial answers were received from 28 of 38 members. In 23 countries, CPD programmes exist and earn credits, with 19 of them offering access to non-medical scientists. CPD activities are evaluated in all participating countries, regardless to the existence of an official CPD programme. Among participating members with mandatory specialists’ licensing (22/28), CPD is a prerequisite for relicensing in 13 countries. Main categories recognized as CPD are: continuing education (24 countries), article/book (17/14 countries) authorship and distance learning (14 countries). The highest median score of relevance (20) is allocated to professional training, editor/authorship and official activities in professional organizations, with the first category showing the least variation among scores. Conclusions: Majority of EFLM members have developed CPD programmes, regularly evaluated and accompanied by crediting systems. Programmes differ in accessibility for non-medical scientists and impact on relicensing eligibility. Continuing education, authorship and e-learning are mainly recognized as CPD activities, although the professional training is appreciated as the most important individual CPD category. PMID:24266304

Leasing versus Borrowing: Evaluating Alternative Forms of Consumer Credit.

ERIC Educational Resources Information Center

Nunnally, Bennie H., Jr.; Plath, D. Anthony

1989-01-01

Presents a straightforward method for evaluating lease versus borrow (buy) decisions illustrated with actual financing cost data reported to new car purchasers. States that individuals should consider after-tax cash flows associated with alternative arrangements, time in which cash flow occurs, and opportunity cost of capital to identify the least…

29 CFR 2590.701-5 - Evidence of creditable coverage.

Code of Federal Regulations, 2010 CFR

2010-07-01

... under paragraph (b)(2) of this section (relating to the alternative method of counting creditable... benefits described in § 2590.701-4(c) (relating to the alternative method of counting creditable coverage... using the alternative method of counting creditable coverage—(1) In general. After an individual...

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

ERIC Educational Resources Information Center

Fox, Linda Kirk

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

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

PubMed Central

Miller, Jolene Michelle

2004-01-01

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

The Use of Refundable Tax Credits to Increase Low-Income Children's After-School Physical Activity Level.

PubMed

Dunton, Genevieve; Ebin, Vicki J; Efrat, Merav W; Efrat, Rafael; Lane, Christianne J; Plunkett, Scott

2015-06-01

The current study investigates the extent to which a refundable tax credit could be used to increase low-income children's after-school physical activity levels. An experimental study was conducted evaluating the effectiveness of an intervention offering a simulated refundable tax credit to parents of elementary-school-age children (n = 130) for enrollment in after-school physical activity programs. A randomized controlled design was used, with data collected at baseline, immediately following the 4-month intervention (postintervention), and 6 weeks after the end of the intervention (follow-up). Evaluation measures included (1) enrollment rate, time spent, weekly participation frequency, duration of enrollment, and long-term enrollment patterns in after-school physical activity programs and (2) moderate to vigorous physical activity. The simulated tax credits did not significantly influence low-income children's rates of enrollment in after-school physical activity programs, frequency of participation, time spent in after-school physical activity programs, and overall moderate-to-vigorous intensity physical activity at postintervention or follow-up. The use of refundable tax credits as incentives to increase participation in after-school physical activity programs in low-income families may have limited effectiveness. Lawmakers might consider other methods of fiscal policy to promote physical activity such as direct payment to after-school physical activity program providers for enrolling and serving a low-income child in a qualified program, or improvements to programming and infrastructure.

12 CFR 614.4260 - Evaluation requirements.

Code of Federal Regulations, 2010 CFR

2010-01-01

... evaluated on the five basic credit factors, without considering the subject real estate, would support the credit decision that was based on other sources of repayment or collateral; (4) A lien on real estate is..., even with the advancement of new loan funds; (6) A Farm Credit System institution purchases a loan or...

13 CFR 120.333 - Are there any special credit criteria?

Code of Federal Regulations, 2010 CFR

2010-01-01

... addition to regular credit evaluation criteria, SBA shall weigh the greater risk associated with energy... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Are there any special credit criteria? 120.333 Section 120.333 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS...

29 CFR 2530.200b-3 - Determination of service to be credited to employees.

Code of Federal Regulations, 2011 CFR

2011-07-01

... the equivalencies permitted under this section, or the elapsed time method of crediting service permitted under this section, or the elapsed time method of crediting service permitted under § 2530.200b-9... applied. Thus, for example, a plan may provide that part-time employees are credited under the general...

13 CFR 304.4 - Performance evaluations.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Performance evaluations. 304.4 Section 304.4 Business Credit and Assistance ECONOMIC DEVELOPMENT ADMINISTRATION, DEPARTMENT OF COMMERCE ECONOMIC DEVELOPMENT DISTRICTS § 304.4 Performance evaluations. (a) EDA shall evaluate the management...

45 CFR 146.115 - Certification and disclosure of previous coverage.

Code of Federal Regulations, 2010 CFR

2010-10-01

... to the alternative method of counting creditable coverage). Moreover, if the individual's coverage... benefits described in § 146.113(c) (relating to the alternative method of counting creditable coverage... of coverage to a plan or issuer using the alternative method of counting creditable coverage—(1) In...

26 CFR 54.9801-5 - Evidence of creditable coverage.

Code of Federal Regulations, 2010 CFR

2010-04-01

... under paragraph (b)(2) of this section (relating to the alternative method of counting creditable... in § 54.9801-4(c) (relating to the alternative method of counting creditable coverage). However, if... Act. (b) Disclosure of coverage to a plan or issuer using the alternative method of counting...

Transfer Credit Evaluations at New York State Colleges: Comparative Case Studies of Process Effectiveness

ERIC Educational Resources Information Center

Ott, Alexander Paul

2012-01-01

For the nearly one third of students who transfer from 1 college to another, transfer credit represents time and money. Unfortunately, many colleges provide degree-specific transfer credit evaluations only after students financially commit to attend the institution. The purpose of this study was to investigate, analyze, and compare early and late…

Preventing Boredom in the Language Laboratory

ERIC Educational Resources Information Center

Obanya, Pai

1978-01-01

An experimental year of oral testing using the language laboratory at Victoria University is described. A new first-year 12-credit course is primarily a language course based on audiovisual/lingual methods. The content, evaluation, and administration of oral expression tests and performance tapes are covered. (SW)

12 CFR 614.4240 - Collateral definitions.

Code of Federal Regulations, 2013 CFR

2013-01-01

....4240 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS... income and/or other collateral, absent the real estate, and the decision to extend credit was, in fact... staff evaluator from another Farm Credit System institution only if the employing institution is not...

12 CFR 614.4240 - Collateral definitions.

Code of Federal Regulations, 2012 CFR

2012-01-01

....4240 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS... income and/or other collateral, absent the real estate, and the decision to extend credit was, in fact... staff evaluator from another Farm Credit System institution only if the employing institution is not...

12 CFR 614.4240 - Collateral definitions.

Code of Federal Regulations, 2014 CFR

2014-01-01

....4240 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS... income and/or other collateral, absent the real estate, and the decision to extend credit was, in fact... staff evaluator from another Farm Credit System institution only if the employing institution is not...

12 CFR 614.4240 - Collateral definitions.

Code of Federal Regulations, 2010 CFR

2010-01-01

....4240 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS... income and/or other collateral, absent the real estate, and the decision to extend credit was, in fact... staff evaluator from another Farm Credit System institution only if the employing institution is not...

12 CFR 704.2 - Definitions.

Code of Federal Regulations, 2010 CFR

2010-01-01

... Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT UNIONS CORPORATE CREDIT UNIONS § 704.2 Definitions. Adjusted trading means any method or transaction whereby a corporate credit union... means the sum of a corporate credit union's retained earnings, paid-in capital, and membership capital...

An Empirical Evaluation of the Florida Tax Credit Scholarship Program. School Choice Issues in the State

ERIC Educational Resources Information Center

Forster, Greg; D'Andrea, Christian

2009-01-01

This study examines the Florida Tax Credit Scholarship program, one of the nation's largest school choice programs. It is the first ever completed empirical evaluation of a tax-credit scholarship program, a type of program that creates school choice through the tax code. Earlier reports, including a recent one on the Florida program, have not…

Advancing College Opportunity: An Impact Evaluation of the Growth of Dual Credit in Stark and Wayne Counties, Ohio

ERIC Educational Resources Information Center

Rochford, Joseph A.; O'Neill, Adrienne; Gelb, Adele

2009-01-01

This impact evaluation looks at three years of growth for "high school-based dual credit" courses exclusive of Canton's Early College High School in Stark and Wayne Counties. As "high school based dual credit" is increasingly implemented in low wealth and urban districts, accompanied by an increase in high school teachers…

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

PubMed

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

2015-03-25

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

An empirical research on evaluating banks' credit assessment of corporate customers.

PubMed

Tsai, Sang-Bing; Li, Guodong; Wu, Chia-Huei; Zheng, Yuxiang; Wang, Jiangtao

2016-01-01

Under the rapid change of the global financial environment, the risk control of the credit granting is viewed as the foremost task to each bank. With the impact one by one from financial crisis and European debt crisis, the steady bank business is also facing the severe challenge. Banks approve the credits for their customers and then make money from the interest. Credit granting is not only the primary job but also the main source of income. The quality of credit granting concerns not just the reclaims of creditor's rights; it also affects the successful running of banks. To enhance the reliability and usefulness of bank credit risk assessment, we first will delve in the facets and indexes in the bank credit risk assessment. Then, we will examine the different dimensions of cause-effect relationships and correlations in the assessment process. Finally, the study focuses on how to raise the functions and benefits of the bank credit risk assessment. In those five credit risk evaluation dimensions, A "optional capability" and D "competitiveness" are of high relation and high prominence among those dimensions, influencing other items obviously. By actively focusing on these two dimensions and improving their credit risk assessment ability will solve the foremost problems and also solve other facets of credit risk assessment problems at the same time.

An Application of Robust Method in Multiple Linear Regression Model toward Credit Card Debt

NASA Astrophysics Data System (ADS)

Amira Azmi, Nur; Saifullah Rusiman, Mohd; Khalid, Kamil; Roslan, Rozaini; Sufahani, Suliadi; Mohamad, Mahathir; Salleh, Rohayu Mohd; Hamzah, Nur Shamsidah Amir

2018-04-01

Credit card is a convenient alternative replaced cash or cheque, and it is essential component for electronic and internet commerce. In this study, the researchers attempt to determine the relationship and significance variables between credit card debt and demographic variables such as age, household income, education level, years with current employer, years at current address, debt to income ratio and other debt. The provided data covers 850 customers information. There are three methods that applied to the credit card debt data which are multiple linear regression (MLR) models, MLR models with least quartile difference (LQD) method and MLR models with mean absolute deviation method. After comparing among three methods, it is found that MLR model with LQD method became the best model with the lowest value of mean square error (MSE). According to the final model, it shows that the years with current employer, years at current address, household income in thousands and debt to income ratio are positively associated with the amount of credit debt. Meanwhile variables for age, level of education and other debt are negatively associated with amount of credit debt. This study may serve as a reference for the bank company by using robust methods, so that they could better understand their options and choice that is best aligned with their goals for inference regarding to the credit card debt.

13 CFR 400.207 - Application evaluation.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 13 Business Credit and Assistance 1 2012-01-01 2012-01-01 false Application evaluation. 400.207 Section 400.207 Business Credit and Assistance EMERGENCY STEEL GUARANTEE LOAN BOARD EMERGENCY STEEL GUARANTEE LOAN PROGRAM Steel Guarantee Loans § 400.207 Application evaluation. (a) Eligibility screening...

13 CFR 400.207 - Application evaluation.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 13 Business Credit and Assistance 1 2013-01-01 2013-01-01 false Application evaluation. 400.207 Section 400.207 Business Credit and Assistance EMERGENCY STEEL GUARANTEE LOAN BOARD EMERGENCY STEEL GUARANTEE LOAN PROGRAM Steel Guarantee Loans § 400.207 Application evaluation. (a) Eligibility screening...

13 CFR 400.207 - Application evaluation.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 13 Business Credit and Assistance 1 2014-01-01 2014-01-01 false Application evaluation. 400.207 Section 400.207 Business Credit and Assistance EMERGENCY STEEL GUARANTEE LOAN BOARD EMERGENCY STEEL GUARANTEE LOAN PROGRAM Steel Guarantee Loans § 400.207 Application evaluation. (a) Eligibility screening...

13 CFR 400.207 - Application evaluation.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 13 Business Credit and Assistance 1 2011-01-01 2011-01-01 false Application evaluation. 400.207 Section 400.207 Business Credit and Assistance EMERGENCY STEEL GUARANTEE LOAN BOARD EMERGENCY STEEL GUARANTEE LOAN PROGRAM Steel Guarantee Loans § 400.207 Application evaluation. (a) Eligibility screening...

13 CFR 400.207 - Application evaluation.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Application evaluation. 400.207 Section 400.207 Business Credit and Assistance EMERGENCY STEEL GUARANTEE LOAN BOARD EMERGENCY STEEL GUARANTEE LOAN PROGRAM Steel Guarantee Loans § 400.207 Application evaluation. (a) Eligibility screening...

Is there an agreement among the items of the Korean physical therapist licensing examination, learning objectives of class subjects, and physical therapists’ job descriptions?

PubMed Central

2016-01-01

Purpose: To determine the agreement among the items of the Korean physical therapist licensing examination, learning objectives of class subjects, and physical therapists’ job descriptions. Methods: The main tasks of physical therapists were classified, and university courses related to the main tasks were also classified. Frequency analysis was used to determine the proportions of credits for the classified courses out of the total credits of major subjects, exam items related to the classified courses out of the total number of exam items, and universities that offer courses related to the Korean physical therapist licensing examination among the surveyed universities. Results: The proportions of credits for clinical decision making and physical therapy diagnosis-related courses out of the total number credits for major subjects at universities were relatively low (2.06% and 2.58%, respectively). Although the main tasks of physical therapists are related to diagnosis and evaluation, the proportion of physiotherapy intervention-related items (35%) was higher than that of examination and evaluation-related items (25%) on the Korean physical therapist licensing examination. The percentages of universities that offer physical therapy diagnosis and clinical decision making-related courses were 58.62% and 68.97%, respectively. Conclusion: Both the proportion of physiotherapy diagnosis and evaluation-related items on the Korean physical therapist licensing examination, and the number of subjects related to clinical decision making and physical therapy diagnosis in the physical therapy curriculum, should be increased to ensure that the examination items and physical therapy curriculum reflect the practical tasks of physical therapists. PMID:26767720

Transformative? Integrative? Troublesome? Undergraduate Honors Student Reflections on Information Literacy Threshold Concepts

ERIC Educational Resources Information Center

Scott, Rachel E.

2017-01-01

In this exploratory study the authors ask students enrolled in a credit-bearing undergraduate research methods course to rank and evaluate the troublesome, transformative, and integrative nature of the six frames currently comprising the "Framework for Information Literacy for Higher Education." The results indicate that students have…

Teaching Portfolios and the Beginning Teacher.

ERIC Educational Resources Information Center

Zubizarreta, John

1994-01-01

Teaching portfolios are becoming the most effective tool to improve new and seasoned teachers' instruction via a supportive, convincing evaluation method. In taking a concentrated three days to write a creditable portfolio, a new teacher feels more competent to think about teaching. The portfolio's process of written reflection invokes the power…

Credit networks and systemic risk of Chinese local financing platforms: Too central or too big to fail?. -based on different credit correlations using hierarchical methods

NASA Astrophysics Data System (ADS)

He, Fang; Chen, Xi

2016-11-01

The accelerating accumulation and risk concentration of Chinese local financing platforms debts have attracted wide attention throughout the world. Due to the network of financial exposures among institutions, the failure of several platforms or regions of systemic importance will probably trigger systemic risk and destabilize the financial system. However, the complex network of credit relationships in Chinese local financing platforms at the state level remains unknown. To fill this gap, we presented the first complex networks and hierarchical cluster analysis of the credit market of Chinese local financing platforms using the ;bottom up; method from firm-level data. Based on balance-sheet channel, we analyzed the topology and taxonomy by applying the analysis paradigm of subdominant ultra-metric space to an empirical data in 2013. It is remarked that we chose to extract the network of co-financed financing platforms in order to evaluate the effect of risk contagion from platforms to bank system. We used the new credit similarity measure by combining the factor of connectivity and size, to extract minimal spanning trees (MSTs) and hierarchical trees (HTs). We found that: (1) the degree distributions of credit correlation backbone structure of Chinese local financing platforms are fat tailed, and the structure is unstable with respect to targeted failures; (2) the backbone is highly hierarchical, and largely explained by the geographic region; (3) the credit correlation backbone structure based on connectivity and size is significantly heterogeneous; (4) key platforms and regions of systemic importance, and contagion path of systemic risk are obtained, which are contributed to preventing systemic risk and regional risk of Chinese local financing platforms and preserving financial stability under the framework of macro prudential supervision. Our approach of credit similarity measure provides a means of recognizing ;systemically important; institutions and regions for a targeted policy with risk minimization which gives a flexible and comprehensive consideration to both aspects of ;too big to fail; and ;too central to fail;.

12 CFR 226.59 - Reevaluation of rate increases.

Code of Federal Regulations, 2011 CFR

2011-01-01

... SYSTEM TRUTH IN LENDING (REGULATION Z) Special Rules Applicable to Credit Card Accounts and Open-End...) Evaluation of increased rate. If a card issuer increases an annual percentage rate that applies to a credit card account under an open-end (not home-secured) consumer credit plan, based on the credit risk of the...

12 CFR 226.59 - Reevaluation of rate increases.

Code of Federal Regulations, 2012 CFR

2012-01-01

... SYSTEM TRUTH IN LENDING (REGULATION Z) Special Rules Applicable to Credit Card Accounts and Open-End...) Evaluation of increased rate. If a card issuer increases an annual percentage rate that applies to a credit card account under an open-end (not home-secured) consumer credit plan, based on the credit risk of the...

The Evaluation of Experiential Learning: Guidelines for Evaluators Concerning Graduate Student Evaluation. Revised.

ERIC Educational Resources Information Center

Central Michigan Univ., Mount Pleasant. Inst. for Personal and Career Development.

Central Michigan University's experiential learning program and the guidelines for awarding academic credit are described. Graduate students may apply for college credit on the basis of relevant skills which have been acquired as a result of their occupational, military, and personal experiences. The evaluators judge the student's application to…

29 CFR 4206.7 - Amount of credit in plans using the direct attribution method.

Code of Federal Regulations, 2010 CFR

2010-07-01

... TO A PARTIAL WITHDRAWAL § 4206.7 Amount of credit in plans using the direct attribution method. In a plan that uses the direct attribution allocation method described in section 4211(c)(4) of ERISA, the... 29 Labor 9 2010-07-01 2010-07-01 false Amount of credit in plans using the direct attribution...

Developing Learning Objectives for a Model Course to Prepare Adults for the Assessment of Prior, Non-Sponsored Learning by Portfolio Evaluation.

ERIC Educational Resources Information Center

Stevens, Mary A.

A study was conducted in order to develop a systematic method for the evaluation of students' prior, non-sponsored learning for the award of college credit at Blackhawk College (Illinois). It was determined that a course designed to prepare the student for assessment of prior learning was the best way for the institution to provide assistance to…

Collective credit allocation in science

PubMed Central

Shen, Hua-Wei; Barabási, Albert-László

2014-01-01

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

The influence of an elective introductory clinical research course on pharmacy student interest in pursuing research-based careers.

PubMed

Overholser, Brian R; Foster, David R; Henry, Joshua R; Plake, Kimberly S; Sowinski, Kevin M

2010-11-10

To assess the impact of an elective clinical research course on second- and third-year pharmacy students' knowledge of clinical research methods, training programs, career options, and interest in pursuing postgraduate training. A 2-credit hour elective course in clinical research was designed that included lectures, discussions, workshops, and in-class presentations related to study design and implementation, protocol synthesis, research evaluation, ethical and legal considerations, data analysis, and professional opportunities involving clinical research. Learner knowledge of these topics was assessed using several methods, including 3 assignments related to research protocol, ethical documentation, and presentation. A survey instrument designed to evaluate the effect the course had on pharmacy students' knowledge of clinical research methods and interest in pursuing postgraduate training in clinical research was administered. Students who completed the elective had a greater level of familiarity with research-related topics, training options, and career opportunities (p < 0.05) and a greater interest in pursuing a career in clinical research (p < 0.05) than did students in a matched control group. Taking a 2-credit hour elective course in clinical research increased pharmacy students' interest in pursuing a career in clinical research.

37 CFR 1.23 - Methods of payment.

Code of Federal Regulations, 2010 CFR

2010-07-01

... made by credit card, except for replenishing a deposit account. Payment of a fee by credit card must specify the amount to be charged to the credit card and such other information as is necessary to process... authorization to charge fees to a credit card. If credit card information is provided on a form or document...

37 CFR 1.23 - Methods of payment.

Code of Federal Regulations, 2011 CFR

2011-07-01

... made by credit card, except for replenishing a deposit account. Payment of a fee by credit card must specify the amount to be charged to the credit card and such other information as is necessary to process... authorization to charge fees to a credit card. If credit card information is provided on a form or document...

37 CFR 1.23 - Methods of payment.

Code of Federal Regulations, 2014 CFR

2014-07-01

... made by credit card, except for replenishing a deposit account. Payment of a fee by credit card must specify the amount to be charged to the credit card and such other information as is necessary to process... authorization to charge fees to a credit card. If credit card information is provided on a form or document...

37 CFR 1.23 - Methods of payment.

Code of Federal Regulations, 2013 CFR

2013-07-01

... made by credit card, except for replenishing a deposit account. Payment of a fee by credit card must specify the amount to be charged to the credit card and such other information as is necessary to process... authorization to charge fees to a credit card. If credit card information is provided on a form or document...

76 FR 10209 - Corporate Credit Unions

Federal Register 2010, 2011, 2012, 2013, 2014

2011-02-24

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

37 CFR 2.207 - Methods of payment.

Code of Federal Regulations, 2010 CFR

2010-07-01

... credit card, except for replenishing a deposit account. Payment of a fee by credit card must specify the amount to be charged to the credit card and such other information as is necessary to process the charge... fees to a credit card. If credit card information is provided on a form or document other than a form...

37 CFR 2.207 - Methods of payment.

Code of Federal Regulations, 2014 CFR

2014-07-01

... credit card, except for replenishing a deposit account. Payment of a fee by credit card must specify the amount to be charged to the credit card and such other information as is necessary to process the charge... fees to a credit card. If credit card information is provided on a form or document other than a form...

37 CFR 2.207 - Methods of payment.

Code of Federal Regulations, 2011 CFR

2011-07-01

... credit card, except for replenishing a deposit account. Payment of a fee by credit card must specify the amount to be charged to the credit card and such other information as is necessary to process the charge... fees to a credit card. If credit card information is provided on a form or document other than a form...

37 CFR 2.207 - Methods of payment.

Code of Federal Regulations, 2013 CFR

2013-07-01

... credit card, except for replenishing a deposit account. Payment of a fee by credit card must specify the amount to be charged to the credit card and such other information as is necessary to process the charge... fees to a credit card. If credit card information is provided on a form or document other than a form...

Measuring positive and negative affect in older adults over 56 days: comparing trait level scoring methods using the partial credit model.

PubMed

Erbacher, Monica K; Schmidt, Karen M; Boker, Steven M; Bergeman, Cindy S

2012-01-01

Positive (PA) and negative affect (NA) are important constructs in health and well-being research. Good longitudinal measurement is crucial to conducting meaningful research on relationships between affect, health, and well-being across the lifespan. One common affect measure, the PANAS, has been evaluated thoroughly with factor analysis, but not with Racsh-based latent trait models (RLTMs) such as the Partial Credit Model (PCM), and not longitudinally. Current longitudinal RLTMs can computationally handle few occasions of data. The present study compares four methods of anchoring PCMs across 56 occasions to longitudinally evaluate the psychometric properties of the PANAS plus additional items. Anchoring item parameters on mean parameter values across occasions produced more desirable results than using no anchor, using first occasion parameters as anchors, or allowing anchor values to vary across occasions. Results indicated problems with NA items, including poor category utilization, gaps in the item distribution, and a lack of easy-to-endorse items. PA items had much more desirable psychometric qualities.

MVRTA Charge-A-Ride Program : Credit Card Fare Post-Payment in Haverhill, MA.

DOT National Transportation Integrated Search

1988-03-01

This report presents an evaluation of a demonstration of automated fare collection using on-board credit card readers and recorders on general revenue service buses in Haverhill, Massachusetts. The demonstration project employed a credit card system ...

Modeling instructor preferences for CPR and AED competence estimation.

PubMed

Birnbaum, Alice; McBurnie, Mary Ann; Powell, Judy; Ottingham, Lois Van; Riegel, Barbara; Potts, Jerry; Hedges, Jerris R

2005-03-01

Cardiopulmonary resuscitation (CPR) and automated external defibrillator (AED) skills competency can be tested using a checklist of component skills, individually graded "pass" or "fail." Scores are typically calculated as the percentage of skills passed, but may differ from an instructor's overall subjective assessment of simulated CPR or AED adequacy. To identify and evaluate composite measures (methods for scoring checklists) that reflect instructors' subjective assessments of CPR or AED skills performance best. Associations between instructor assessment and lay-volunteer skill performance were made using 6380 CPR and 3313 AED skill retention tests collected in the Public Access Defibrillation Trial. Checklists included CPR skills (e.g., calling 911, administering compressions) and AED skills (e.g., positioning electrodes, shocking within 90 s of AED arrival). The instructor's subjective overall assessment (adequate/inadequate) of CPR performance (perfusion) or AED competence (effective shock) was compared to composite measures. We evaluated the traditional composite measure (assigning equal weights to individual skills) and several nontraditional composite measures (assigning variable weights). Skills performed out of sequence were further weighted from 0% (no credit) to 100% (full credit). Composite measures providing full credit for skills performed out of sequence and down-weighting process skills (e.g., calling 911, clearing oneself from the AED) had the strongest association with the instructor's subjective assessment; the traditional CPR composite measure had the weakest association. Our findings suggest that instructors in public CPR and AED classes may tend to down-weight process skills and to excuse step sequencing errors when evaluating CPR and AED skills subjectively for overall proficiency. Testing methods that relate classroom performance to actual performance in the field and to clinical outcomes require further research.

12 CFR 614.4266 - Personal and intangible property evaluations.

Code of Federal Regulations, 2010 CFR

2010-01-01

.... 614.4266 Section 614.4266 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Collateral Evaluation Requirements § 614.4266 Personal and intangible property... shall include provisions for periodic collateral inspections and verification by the institution's...

Students’ Factors Affecting Undergraduates’ Perceptions of their Teaching and Learning Process within ECTS Experience

PubMed Central

la Fuente, Jesús De; Cardelle-Elawar, María; Peralta, F. Javier; Sánchez, M. Dolores; Martínez-Vicente, José Manuel; Zapata, Lucía

2010-01-01

Introduction: In the present study, we investigated the potential factors that influenced the level of students satisfaction with the teaching–learning process (TLP), from the perspective of students participating in the European Credit Transfer System (ECTS) experience. Method: A total of 1490 students from the Universities of Almería and Granada (Spain) participated in an evaluation of their class discipline area. They completed the new revised protocol for evaluating the ECTS experience. Analyses of variance were carried out, taking the following factors as independent variables: student's grade average, year in school, study discipline, credit load in terms of ECTS credits assigned to a subject, the e-learning approach. Perception of the TLP was used as the dependent variable. Results: The data analyses showed variability of the degree of statistically significance among the factors that influenced students’ perceptions of the TLP. These factors included: Student's grade average (in favor of high performers), year in school (in favor of earlier years), ECTS load (in favor of subjects with a medium load of credits), and e-learning (in favor of its use). These research findings provided evidence to explore the delineation of a potential profile of factors that trigger a favorable perception of the TLP. Discussion and Conclusion: The present findings certainly have implications to deepen our understanding of the core beliefs, commitment, and the experience in shaping the implementation of the European Higher Education Area through the ECTS. PMID:21713171

Stepwise Analysis of Differential Item Functioning Based on Multiple-Group Partial Credit Model.

ERIC Educational Resources Information Center

Muraki, Eiji

1999-01-01

Extended an Item Response Theory (IRT) method for detection of differential item functioning to the partial credit model and applied the method to simulated data using a stepwise procedure. Then applied the stepwise DIF analysis based on the multiple-group partial credit model to writing trend data from the National Assessment of Educational…

An Approach for Validating Actinide and Fission Product Burnup Credit Criticality Safety Analyses-Isotopic Composition Predictions

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

Radulescu, Georgeta; Gauld, Ian C; Ilas, Germina

2011-01-01

The expanded use of burnup credit in the United States (U.S.) for storage and transport casks, particularly in the acceptance of credit for fission products, has been constrained by the availability of experimental fission product data to support code validation. The U.S. Nuclear Regulatory Commission (NRC) staff has noted that the rationale for restricting the Interim Staff Guidance on burnup credit for storage and transportation casks (ISG-8) to actinide-only is based largely on the lack of clear, definitive experiments that can be used to estimate the bias and uncertainty for computational analyses associated with using burnup credit. To address themore » issues of burnup credit criticality validation, the NRC initiated a project with the Oak Ridge National Laboratory to (1) develop and establish a technically sound validation approach for commercial spent nuclear fuel (SNF) criticality safety evaluations based on best-available data and methods and (2) apply the approach for representative SNF storage and transport configurations/conditions to demonstrate its usage and applicability, as well as to provide reference bias results. The purpose of this paper is to describe the isotopic composition (depletion) validation approach and resulting observations and recommendations. Validation of the criticality calculations is addressed in a companion paper at this conference. For isotopic composition validation, the approach is to determine burnup-dependent bias and uncertainty in the effective neutron multiplication factor (keff) due to bias and uncertainty in isotopic predictions, via comparisons of isotopic composition predictions (calculated) and measured isotopic compositions from destructive radiochemical assay utilizing as much assay data as is available, and a best-estimate Monte Carlo based method. This paper (1) provides a detailed description of the burnup credit isotopic validation approach and its technical bases, (2) describes the application of the approach for representative pressurized water reactor and boiling water reactor safety analysis models to demonstrate its usage and applicability, (3) provides reference bias and uncertainty results based on a quality-assurance-controlled prerelease version of the Scale 6.1 code package and the ENDF/B-VII nuclear cross section data.« less

Credit Cards: What You Don't Know Can Cost You!

ERIC Educational Resources Information Center

Detweiler, Gerri

1993-01-01

The role of credit cards in personal finance has increased dramatically over the past two decades. Complex interest computation methods and additional fees often boost the price of credit card loans and help make credit cards the most profitable type of consumer loan for many lenders. (Author/JOW)

12 CFR 704.2 - Definitions.

Code of Federal Regulations, 2014 CFR

2014-01-01

.... Adjusted trading means any method or transaction whereby a corporate credit union sells a security to a... corporate credit union purchases a security from one of its member credit unions under agreement by that member credit union to repurchase the same security at a specified time in the future. The corporate...

Whose idea is it anyway? The importance of reputation in acknowledgement.

PubMed

Shaw, Alex; Olson, Kristina

2015-05-01

Six-year-old children negatively evaluate plagiarizers just as adults do (Olson & Shaw, 2011), but why do they dislike plagiarizers? Children may think plagiarism is wrong because plagiarizing negatively impacts other people's reputations. We investigated this possibility by having 6- to 9-year-old children evaluate people who shared their own or other people's ideas (stories). In Experiment 1, we found that children consider it acceptable to retell someone else's story if the source is given credit for their story (improving the source's reputation), but not if the reteller claims credit for the story (steals credit away from someone else). Experiments 2 and 3 showed that children do not consider it bad to lie by giving someone else credit for one's own good story (improving someone else's reputation), but do consider it bad to give someone else credit for one's own bad story (improving one's own reputation at the expense of someone else's). Experiment 4 demonstrated that children think it is equally bad to take credit for someone else's idea for oneself as it is to take someone else's idea and give credit to someone else, suggesting that children dislike when others take credit away from someone else, regardless of whether or not it improves the plagiarizer's reputation. Our results suggest that children dislike plagiarism because it negatively affects others' reputations by taking credit away from them. © 2014 John Wiley & Sons Ltd.

13 CFR 108.360 - Evaluation criteria.

Code of Federal Regulations, 2010 CFR

2010-01-01

... comprehensive business plan; (c) The capability of the Applicant's management team; (d) The strength and... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Evaluation criteria. 108.360 Section 108.360 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION NEW MARKETS VENTURE CAPITAL...

26 CFR 7.48-2 - Election of forty-percent method of determining investment credit for movie and television films...

Code of Federal Regulations, 2012 CFR

2012-04-01

... investment credit for movie and television films placed in service in a taxable year beginning before January... Election of forty-percent method of determining investment credit for movie and television films placed in... the Tax Reform Act of 1976 (90 Stat. 1595), taxpayers who placed movie or television films (here...

26 CFR 7.48-2 - Election of forty-percent method of determining investment credit for movie and television films...

Code of Federal Regulations, 2013 CFR

2013-04-01

... investment credit for movie and television films placed in service in a taxable year beginning before January... Election of forty-percent method of determining investment credit for movie and television films placed in... the Tax Reform Act of 1976 (90 Stat. 1595), taxpayers who placed movie or television films (here...

26 CFR 7.48-2 - Election of forty-percent method of determining investment credit for movie and television films...

Code of Federal Regulations, 2011 CFR

2011-04-01

... investment credit for movie and television films placed in service in a taxable year beginning before January... Election of forty-percent method of determining investment credit for movie and television films placed in... the Tax Reform Act of 1976 (90 Stat. 1595), taxpayers who placed movie or television films (here...

26 CFR 7.48-2 - Election of forty-percent method of determining investment credit for movie and television films...

Code of Federal Regulations, 2014 CFR

2014-04-01

... investment credit for movie and television films placed in service in a taxable year beginning before January... Election of forty-percent method of determining investment credit for movie and television films placed in... the Tax Reform Act of 1976 (90 Stat. 1595), taxpayers who placed movie or television films (here...

26 CFR 7.48-2 - Election of forty-percent method of determining investment credit for movie and television films...

Code of Federal Regulations, 2010 CFR

2010-04-01

... investment credit for movie and television films placed in service in a taxable year beginning before January... Election of forty-percent method of determining investment credit for movie and television films placed in... the Tax Reform Act of 1976 (90 Stat. 1595), taxpayers who placed movie or television films (here...

What if Best Practice Is Too Expensive? Feedback on Oral Presentations and Efficient Use of Resources

ERIC Educational Resources Information Center

Leger, Lawrence A.; Glass, Karligash; Katsiampa, Paraskevi; Liu, Shibo; Sirichand, Kavita

2017-01-01

We evaluate feedback methods for oral presentations used in training non-quantitative research skills (literature review and various associated tasks). Training is provided through a credit-bearing module taught to MSc students of banking, economics and finance in the UK. Monitoring oral presentations and providing "best practice"…

13 CFR 120.333 - Are there any special credit criteria?

Code of Federal Regulations, 2013 CFR

2013-01-01

... LOANS Special Purpose Loans Energy Conservation § 120.333 Are there any special credit criteria? In addition to regular credit evaluation criteria, SBA shall weigh the greater risk associated with energy projects. SBA shall consider such factors as quality of the product or service, technical qualifications of...

13 CFR 120.333 - Are there any special credit criteria?

Code of Federal Regulations, 2012 CFR

2012-01-01

... LOANS Special Purpose Loans Energy Conservation § 120.333 Are there any special credit criteria? In addition to regular credit evaluation criteria, SBA shall weigh the greater risk associated with energy projects. SBA shall consider such factors as quality of the product or service, technical qualifications of...

13 CFR 120.333 - Are there any special credit criteria?

Code of Federal Regulations, 2011 CFR

2011-01-01

... LOANS Special Purpose Loans Energy Conservation § 120.333 Are there any special credit criteria? In addition to regular credit evaluation criteria, SBA shall weigh the greater risk associated with energy projects. SBA shall consider such factors as quality of the product or service, technical qualifications of...

13 CFR 120.333 - Are there any special credit criteria?

Code of Federal Regulations, 2014 CFR

2014-01-01

... LOANS Special Purpose Loans Energy Conservation § 120.333 Are there any special credit criteria? In addition to regular credit evaluation criteria, SBA shall weigh the greater risk associated with energy projects. SBA shall consider such factors as quality of the product or service, technical qualifications of...

75 FR 5848 - Proposed Collection; Comment Request

Federal Register 2010, 2011, 2012, 2013, 2014

2010-02-04

... soliciting comments concerning the Evaluation of the New Markets Tax Credit (NMTC) Program. This notice.... SUPPLEMENTARY INFORMATION: Title: Evaluation of the New Markets Tax Credit (NMTC) Program. OMB Number: Not yet... Community Renewal Tax Relief Act of 2000 to encourage private capital investment in low- income communities...

13 CFR 306.7 - Performance evaluations of University Centers.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Performance evaluations of University Centers. 306.7 Section 306.7 Business Credit and Assistance ECONOMIC DEVELOPMENT ADMINISTRATION... following Investment Assistance cycle. (c) For peer review, EDA shall ensure the participation of at least...

Technical Basis for Peak Reactivity Burnup Credit for BWR Spent Nuclear Fuel in Storage and Transportation Systems

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

Marshall, William BJ J; Ade, Brian J; Bowman, Stephen M

2015-01-01

Oak Ridge National Laboratory and the United States Nuclear Regulatory Commission have initiated a multiyear project to investigate application of burnup credit for boiling-water reactor (BWR) fuel in storage and transportation casks. This project includes two phases. The first phase (1) investigates applicability of peak reactivity methods currently used in spent fuel pools (SFPs) to storage and transportation systems and (2) evaluates validation of both reactivity (k eff) calculations and burnup credit nuclide concentrations within these methods. The second phase will focus on extending burnup credit beyond peak reactivity. This paper documents the first phase, including an analysis of latticemore » design parameters and depletion effects, as well as both validation components. Initial efforts related to extended burnup credit are discussed in a companion paper. Peak reactivity analyses have been used in criticality analyses for licensing of BWR fuel in SFPs over the last 20 years. These analyses typically combine credit for the gadolinium burnable absorber present in the fuel with a modest amount of burnup credit. Gadolinium burnable absorbers are used in BWR assemblies to control core reactivity. The burnable absorber significantly reduces assembly reactivity at beginning of life, potentially leading to significant increases in assembly reactivity for burnups less than 15–20 GWd/MTU. The reactivity of each fuel lattice is dependent on gadolinium loading. The number of gadolinium-bearing fuel pins lowers initial lattice reactivity, but it has a small impact on the burnup and reactivity of the peak. The gadolinium concentration in each pin has a small impact on initial lattice reactivity but a significant effect on the reactivity of the peak and the burnup at which the peak occurs. The importance of the lattice parameters and depletion conditions are primarily determined by their impact on the gadolinium depletion. Criticality code validation for BWR burnup credit at peak reactivity requires a different set of experiments than for pressurized-water reactor burnup credit analysis because of differences in actinide compositions, presence of residual gadolinium absorber, and lower fission product concentrations. A survey of available critical experiments is presented along with a sample criticality code validation and determination of undercoverage penalties for some nuclides. The validation of depleted fuel compositions at peak reactivity presents many challenges which largely result from a lack of radiochemical assay data applicable to BWR fuel in this burnup range. In addition, none of the existing low burnup measurement data include residual gadolinium measurements. An example bias and uncertainty associated with validation of actinide-only fuel compositions is presented.« less

34 CFR 225.11 - What selection criteria does the Secretary use in evaluating an application for a Credit...

Code of Federal Regulations, 2011 CFR

2011-07-01

... 34 Education 1 2011-07-01 2011-07-01 false What selection criteria does the Secretary use in... Secretary Award a Grant? § 225.11 What selection criteria does the Secretary use in evaluating an... criteria to evaluate an application for a Credit Enhancement for Charter School Facilities grant: (a...

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

NASA Astrophysics Data System (ADS)

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

2014-10-01

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

Participatory Monitoring and Evaluation--A Prototype Internal Learning System for Livelihood and Micro-Credit Programs.

ERIC Educational Resources Information Center

Noponen, Helzi

1997-01-01

An internal learning system (ILS), created for a development organization operating savings/credit programs with poor women, is used for data collection, monitoring, and evaluation. The ILS is participatory, pictorial, decentralized, and flexible; it documents socioeconomic impact and supports action planning. (SK)

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

PubMed

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

2018-06-01

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

Credit scoring analysis using kernel discriminant

NASA Astrophysics Data System (ADS)

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

2018-05-01

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

High-Risk Health and Credit Behavior among 18- to 25-Year-Old College Students

ERIC Educational Resources Information Center

Adams, Troy; Moore, Monique

2007-01-01

The number of students accumulating credit card debt--and the amount of debt itself--on college campuses is increasing. If high-risk credit and health behavior are associated, health behavior interventions might apply to high-risk credit behavior. Objective: The authors' purpose was to examine these possible associations. Participants and Methods:…

Comparison of different methods to include recycling in LCAs of aluminium cans and disposable polystyrene cups.

PubMed

van der Harst, Eugenie; Potting, José; Kroeze, Carolien

2016-02-01

Many methods have been reported and used to include recycling in life cycle assessments (LCAs). This paper evaluates six widely used methods: three substitution methods (i.e. substitution based on equal quality, a correction factor, and alternative material), allocation based on the number of recycling loops, the recycled-content method, and the equal-share method. These six methods were first compared, with an assumed hypothetical 100% recycling rate, for an aluminium can and a disposable polystyrene (PS) cup. The substitution and recycled-content method were next applied with actual rates for recycling, incineration and landfilling for both product systems in selected countries. The six methods differ in their approaches to credit recycling. The three substitution methods stimulate the recyclability of the product and assign credits for the obtained recycled material. The choice to either apply a correction factor, or to account for alternative substituted material has a considerable influence on the LCA results, and is debatable. Nevertheless, we prefer incorporating quality reduction of the recycled material by either a correction factor or an alternative substituted material over simply ignoring quality loss. The allocation-on-number-of-recycling-loops method focusses on the life expectancy of material itself, rather than on a specific separate product. The recycled-content method stimulates the use of recycled material, i.e. credits the use of recycled material in products and ignores the recyclability of the products. The equal-share method is a compromise between the substitution methods and the recycled-content method. The results for the aluminium can follow the underlying philosophies of the methods. The results for the PS cup are additionally influenced by the correction factor or credits for the alternative material accounting for the drop in PS quality, the waste treatment management (recycling rate, incineration rate, landfilling rate), and the source of avoided electricity in case of waste incineration. The results for the PS cup, which are less dominated by production of virgin material than aluminium can, furthermore depend on the environmental impact categories. This stresses the importance to consider other impact categories besides the most commonly used global warming impact. The multitude of available methods complicates the choice of an appropriate method for the LCA practitioner. New guidelines keep appearing and industries also suggest their own preferred method. Unambiguous ISO guidelines, particularly related to sensitivity analysis, would be a great step forward in making more robust LCAs. Copyright © 2015 Elsevier Ltd. All rights reserved.

Impact investigation of reactor fuel operating parameters on reactivity for use in burnup credit applications

NASA Astrophysics Data System (ADS)

Sloma, Tanya Noel

When representing the behavior of commercial spent nuclear fuel (SNF), credit is sought for the reduced reactivity associated with the net depletion of fissile isotopes and the creation of neutron-absorbing isotopes, a process that begins when a commercial nuclear reactor is first operated at power. Burnup credit accounts for the reduced reactivity potential of a fuel assembly and varies with the fuel burnup, cooling time, and the initial enrichment of fissile material in the fuel. With regard to long-term SNF disposal and transportation, tremendous benefits, such as increased capacity, flexibility of design and system operations, and reduced overall costs, provide an incentive to seek burnup credit for criticality safety evaluations. The Nuclear Regulatory Commission issued Interim Staff Guidance 8, Revision 2 in 2002, endorsing burnup credit of actinide composition changes only; credit due to actinides encompasses approximately 30% of exiting pressurized water reactor SNF inventory and could potentially be increased to 90% if fission product credit were accepted. However, one significant issue for utilizing full burnup credit, compensating for actinide and fission product composition changes, is establishing a set of depletion parameters that produce an adequately conservative representation of the fuel's isotopic inventory. Depletion parameters can have a significant effect on the isotopic inventory of the fuel, and thus the residual reactivity. This research seeks to quantify the reactivity impact on a system from dominant depletion parameters (i.e., fuel temperature, moderator density, burnable poison rod, burnable poison rod history, and soluble boron concentration). Bounding depletion parameters were developed by statistical evaluation of a database containing reactor operating histories. The database was generated from summary reports of commercial reactor criticality data. Through depletion calculations, utilizing the SCALE 6 code package, several light water reactor assembly designs and in-core locations are analyzed in establishing a combination of depletion parameters that conservatively represent the fuel's isotopic inventory as an initiative to take credit for fuel burnup in criticality safety evaluations for transportation and storage of SNF.

The Function of Credit Scheme to Improve Family Income among Beef Cattle Farmers in Central Java Province

NASA Astrophysics Data System (ADS)

Prasetyo, E.; Ekowati, T.; Roessali, W.; Gayatri, S.

2018-02-01

The aims of study were: (i) identify of beef cattle fattening credit scheme, (ii) calculating and analyze of beef cattle farmers’ income, (iii) analyze of factors influencing beef cattle credit scheme towards farmer’s income. The research was held in five regencies in Central Java Province. Beef cattle fattening farm was standardized as an elementary unit. Survey method was used, while Two Stage Cluster Purposive Sampling was used for determining of sample. Data were analyzed using statistical method of quantitative descriptive and inferential statistics in term of income analysis and multiple linear regression models. The result showed that farmers used their own capital to run the farm. The average amount was IDR 10,769,871. Kredit Ketahanan Pangan dan Energi was credit scheme which was dominantly access by farmers. The average credit was IDR 23,312,200/farmer with rate of credit equal to 6.46%, the time of credit returning equal to 24.60 monthand the prediction of average collateral equal to IDR 35,800,00. The average of farmers’ income was IDR 4,361,611.60/2.96 head of beef cattle/fattening period. If the labour cost did not calculate as a cost production, hence the farmer’ income was IDR 7,608,630.41 or in other word the farmer’ income increase 74.44%. Factors of credit scheme which partially significant influence to the farmers’ income were number of own capital usage and value of credit collateral. Meanwhile, name of credit scheme, financing institution as a creditor, amount of credit, rate of credit scheme and time of returning credit were not significantly influence towards farmers’ income.

The Positive Alternative Credit Experience (PACE) Program a Quantitative Comparative Study

ERIC Educational Resources Information Center

Warren, Rebecca Anne

2011-01-01

The purpose of this quantitative comparative study was to evaluate the Positive Alternative Credit Experience (PACE) Program using an objectives-oriented approach to a formative program evaluation. The PACE Program was a semester-long high school alternative education program designed to serve students at-risk for academic failure or dropping out…

How Does Your College Rate? A Credit Rating Tool for Colleges Seeking Bond Financing.

ERIC Educational Resources Information Center

Cassin, Jan; White, Lee

1995-01-01

A credit-rating tool for colleges seeking bond financing is described, using The Colorado College experience as a case study. The process discussed gives college chief financial officers a better understanding of how the bond rating agencies evaluate institutions' credit-worthiness. Substantial data charts and graphs are use for illustration. (MSE)

76 FR 13902 - Fair Credit Reporting Risk-Based Pricing Regulations

Federal Register 2010, 2011, 2012, 2013, 2014

2011-03-15

... consumer when the creditor uses a consumer report to grant or extend credit to the consumer on material.... Information from a consumer report is often used in evaluating the risk posed by the consumer. Creditors that... report in connection with an extension of credit and, based in whole or in part on the consumer report...

Credit risk evaluation based on social media.

PubMed

Yang, Yang; Gu, Jing; Zhou, Zongfang

2016-07-01

Social media has been playing an increasingly important role in the sharing of individuals' opinions on many financial issues, including credit risk in investment decisions. This paper analyzes whether these opinions, which are transmitted through social media, can accurately predict enterprises' future credit risk. We consider financial statements oriented evaluation results based on logit and probit approaches as the benchmarks. We then conduct textual analysis to retrieve both posts and their corresponding commentaries published on two of the most popular social media platforms for financial investors in China. Professional advice from financial analysts is also investigated in this paper. We surprisingly find that the opinions extracted from both posts and commentaries surpass opinions of analysts in terms of credit risk prediction. Copyright © 2015 Elsevier Inc. All rights reserved.

Materialism and credit card use by college students.

PubMed

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

2000-04-01

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

Reply to Oreska et al ‘Comment on Geoengineering with seagrasses: is credit due where credit is given?’

NASA Astrophysics Data System (ADS)

Johannessen, Sophia C.; Macdonald, Robie W.

2018-03-01

In their comment on the review paper, ‘Geoengineering with seagrasses: is credit due where credit is given?,’ Oreska et al 2018 state that some of the concerns raised in the review ‘warrant serious consideration by the seagrass research community,’ but they argue that these concerns are either not relevant to the Voluntary Carbon Standard protocol, VM0033, or are already addressed by specific provisions in the protocol. The VM0033 protocol is a strong and detailed document that includes much of merit, but the methodology for determining carbon sequestration in sediment is flawed, both in the carbon stock change method and in the carbon burial method. The main problem with the carbon stock change method is that the labile carbon in the surface layer of sediments is vulnerable to remineralization and resuspension; it is not sequestered on the 100 year timescale required for carbon credits. The problem with the carbon burial method is chiefly in its application. The protocol does not explain how to apply 210Pb-dating to a core, leaving project proponents to apply the inappropriate methods frequently reported in the blue carbon literature, which result in overestimated sediment accumulation rates. Finally, the default emission factors permitted by the protocol are based on literature values that are themselves too high. All of these problems can be addressed, which should result in clearer, more rigorous guidelines for awarding carbon credits for the protection or restoration of seagrass meadows.

Author Credit for Transdisciplinary Collaboration

PubMed Central

Xu, Jian; Ding, Ying; Malic, Vincent

2015-01-01

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

26 CFR 1.77-1 - Election to consider Commodity Credit Corporation loans as income.

Code of Federal Regulations, 2010 CFR

2010-04-01

... Commodity Credit Corporation, unless he secures the permission of the Commissioner to change to a different method of accounting. Application for permission to change such method of accounting and the basis upon...

7 CFR 1485.20 - Financial management, reports, evaluations and appeals.

Code of Federal Regulations, 2010 CFR

2010-01-01

...) COMMODITY CREDIT CORPORATION, DEPARTMENT OF AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS COOPERATIVE...) Receipts for all STRE (actual vendor invoices or restaurant checks, rather than credit card receipts); (ii...

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

ERIC Educational Resources Information Center

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

2016-01-01

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

77 FR 76303 - Agency Information Collection Activities; Submission for OMB Review; Comment Request...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-12-27

... for OMB Review; Comment Request; Establishing Creditable Coverage Under Group Health Plans ACTION... Administration (EBSA) sponsored information collection request (ICR) titled, ``Establishing Creditable Coverage... method of crediting coverage established by the regulations. The regulations permit a plan to adopt, as...

Internet cigarette vendor compliance with credit card payment and shipping bans.

PubMed

Williams, Rebecca S; Ribisl, Kurt M

2014-02-01

Most Internet cigarette sales have violated taxation and youth access laws, leading to landmark 2005 agreements with credit card companies, PayPal, and private shippers (United Parcel Service, Federal Express, DHL) to cease participation in these transactions. Despite their promise at the time, loopholes allowed for check payment and U.S. Postal Service (USPS) shipping. This study assessed actual vendor compliance with the payment and shipping bans using a purchase survey. In late 2007 and early 2008, an adult buyer attempted to order cigarettes from the 97 most popular Internet cigarette vendors (ICVs) using banned payment and shipping methods. When banned payment or shipping methods were unavailable, purchases were attempted with alternate methods (e.g., checks, e-checks, USPS). Twenty-seven of 100 orders were placed with (banned) credit cards; 23 were successfully received. Seventy-one orders were placed with checks (60 successfully received). Four orders were delivered using banned shippers; 79 of 83 successfully received orders were delivered by the USPS. About a quarter of ICVs violated the payment ban, others adapted by accepting checks. Most vendors complied with the shipping ban, perhaps because USPS was an easy substitute shipping option. Better enforcement of the bans is needed; the 2009 Prevent All Cigarette Trafficking Act closed the USPS loophole by making cigarettes nonmailable material; evaluation of enforcement efforts and adaptations by vendors are needed. These sorts of bans are a promising approach to controlling the sale of restricted goods online.

One-Credit Writing-Intensive Courses in the Disciplines: Results from a Study of Four Departments

ERIC Educational Resources Information Center

Deans, Thomas

2017-01-01

This study reports on learning outcomes of one-credit writing-intensive (W) courses in the disciplines at a large public university where three-credit W courses are the norm. An evaluation of 210 final papers from four departments--Allied Health, Animal Science, Economics, and Nutritional Sciences--revealed that writing outcomes, as defined and…

Technical Data to Justify Full Burnup Credit in Criticality Safety Licensing Analysis

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

Enercon Services, Inc.

2011-03-14

Enercon Services, Inc. (ENERCON) was requested under Task Order No.2 to identify scientific and technical data needed to benchmark and justify Full Burnup Credit, which adds 16 fission products and 4 minor actinides1 to Actinide-Only burnup credit. The historical perspective for Full Burnup Credit is discussed, and interviews of organizations participating in burnup credit activities are summarized as a basis for identifying additional data needs and making recommendation. Input from burnup credit participants representing two segments of the commercial nuclear industry is provided. First, the Electric Power Research Institute (EPRI) has been very active in the development of Full Burnupmore » Credit, representing the interests of nuclear utilities in achieving capacity gains for storage and transport casks. EPRI and its utility customers are interested in a swift resolution of the validation issues that are delaying the implementation of Full Burnup Credit [EPRI 2010b]. Second, used nuclear fuel storage and transportation Cask Vendors favor improving burnup credit beyond Actinide-Only burnup credit, although their discussion of specific burnup credit achievements and data needs was limited citing business sensitive and technical proprietary concerns. While Cask Vendor proprietary items are not specifically identified in this report, the needs of all nuclear industry participants are reflected in the conclusions and recommendations of this report. In addition, Oak Ridge National Laboratory (ORNL) and Sandia National Laboratory (SNL) were interviewed for their input into additional data needs to achieve Full Burnup Credit. ORNL was very open to discussions of Full Burnup Credit, with several telecoms and a visit by ENERCON to ORNL. For many years, ORNL has provided extensive support to the NRC regarding burnup credit in all of its forms. Discussions with ORNL focused on potential resolutions to the validation issues for the use of fission products. SNL was helpful in ENERCON's understanding of the difficult issues related to obtaining and analyzing additional cross section test data to support Full Burnup Credit. A PIRT (Phenomena Identification and Ranking Table) analysis was performed by ENERCON to evaluate the costs and benefits of acquiring different types of nuclear data in support of Full Burnup Credit. A PIRT exercise is a formal expert elicitation process with the final output being the ranking tables. The PIRT analysis (Table 7-4: Results of PIRT Evaluation) showed that the acquisition of additional Actinide-Only experimental data, although beneficial, was associated with high cost and is not necessarily needed. The conclusion was that the existing Radiochemical Assay (RCA) data plus the French Haut Taux de Combustion (HTC)2 and handbook Laboratory Critical Experiment (LCE) data provide adequate benchmark validation for Actinide-Only Burnup Credit. The PIRT analysis indicated that the costs and schedule to obtain sufficient additional experimental data to support the addition of 16 fission products to Actinide-Only Burnup Credit to produce Full Burnup Credit are quite substantial. ENERCON estimates the cost to be $50M to $100M with a schedule of five or more years. The PIRT analysis highlights another option for fission product burnup credit, which is the application of computer-based uncertainty analyses (S/U - Sensitivity/Uncertainty methodologies), confirmed by the limited experimental data that is already available. S/U analyses essentially transform cross section uncertainty information contained in the cross section libraries into a reactivity bias and uncertainty. Recent work by ORNL and EPRI has shown that a methodology to support Full Burnup Credit is possible using a combination of traditional RCA and LCE validation plus S/U validation for fission product isotopics and cross sections. Further, the most recent cross section data (ENDF/B-VII) can be incorporated into the burnup credit codes at a reasonable cost compared to the acquisition of equivalent experimental data. ENERCON concludes that even with the costs of code data library updating, the use of S/U analysis methodologies could be accomplished on a shorter schedule and a lower cost than the gathering of sufficient experimental data. ENERCON estimates of the costs of an updated S/U computer code and data suite are $5M to $10M with a schedule of two to three years. Recent ORNL analyses using the S/U analysis method show that the bias and uncertainty values for fission product cross sections are smaller than previously expected. This result is confirmed by a similar EPRI approach using different data and computer codes. ENERCON also found that some issues regarding the implementation of burnup credit appear to have been successfully resolved especially the axial burnup profile issue and the depletion parameter issue. These issues were resolved through data gathering activities at the Yucca Mountain Project and ORNL.« less

Effectiveness of bank credit activity evaluation with application of economic and mathematic modeling

NASA Astrophysics Data System (ADS)

Galeeva, G. M.; Zagladina, E. N.; Kadeeva, E. N.

2018-05-01

The paper presents data on the influence of the most significant factors having impact on the credit portfolio volume, as well as conducts correlation and regression analysis with the subsequent construction of the trend for a short period. Credit activity is understood as the bank activity in the formation of a credit portfolio. Considering the structure of the bank credit portfolio, it can be observed that it consists of credits granted by the bank particularly for legal entities, individuals and other banks. Herewith, it is necessary to understand that any decrease in the credit portfolio will adversely affect the financial stability and effectiveness of any commercial bank. Moreover, during crisis periods, the policy and practice of banks have been determined as quite aggressive and conducted as such with regard to interest rates. The dynamics of credit portfolio volume has been selected as an independent factor due to the reason that it can fully explain the current development situation and the effectiveness of the bank credit policy. Considering the dependent factors, their influence will be assessed by the credit portfolio volume indicator. The authors have distinguished the following ones among them: the volume of credits granted to individuals; the volume of credits granted to legal entities; the amount of overdue credits in the credit portfolio; bank investments in the securities; inflation; key rate.

An Approach for Validating Actinide and Fission Product Burnup Credit Criticality Safety Analyses--Criticality (keff) Predictions

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

Scaglione, John M; Mueller, Don; Wagner, John C

2011-01-01

One of the most significant remaining challenges associated with expanded implementation of burnup credit in the United States is the validation of depletion and criticality calculations used in the safety evaluation - in particular, the availability and use of applicable measured data to support validation, especially for fission products. Applicants and regulatory reviewers have been constrained by both a scarcity of data and a lack of clear technical basis or approach for use of the data. U.S. Nuclear Regulatory Commission (NRC) staff have noted that the rationale for restricting their Interim Staff Guidance on burnup credit (ISG-8) to actinide-only ismore » based largely on the lack of clear, definitive experiments that can be used to estimate the bias and uncertainty for computational analyses associated with using burnup credit. To address the issue of validation, the NRC initiated a project with the Oak Ridge National Laboratory to (1) develop and establish a technically sound validation approach (both depletion and criticality) for commercial spent nuclear fuel (SNF) criticality safety evaluations based on best-available data and methods and (2) apply the approach for representative SNF storage and transport configurations/conditions to demonstrate its usage and applicability, as well as to provide reference bias results. The purpose of this paper is to describe the criticality (k{sub eff}) validation approach, and resulting observations and recommendations. Validation of the isotopic composition (depletion) calculations is addressed in a companion paper at this conference. For criticality validation, the approach is to utilize (1) available laboratory critical experiment (LCE) data from the International Handbook of Evaluated Criticality Safety Benchmark Experiments and the French Haut Taux de Combustion (HTC) program to support validation of the principal actinides and (2) calculated sensitivities, nuclear data uncertainties, and the limited available fission product LCE data to predict and verify individual biases for relevant minor actinides and fission products. This paper (1) provides a detailed description of the approach and its technical bases, (2) describes the application of the approach for representative pressurized water reactor and boiling water reactor safety analysis models to demonstrate its usage and applicability, (3) provides reference bias results based on the prerelease SCALE 6.1 code package and ENDF/B-VII nuclear cross-section data, and (4) provides recommendations for application of the results and methods to other code and data packages.« less

76 FR 60454 - Submission for OMB Review; Comment Request

Federal Register 2010, 2011, 2012, 2013, 2014

2011-09-29

.... Customers may submit payments to the USPTO by several methods, including credit card, deposit account... and trademark fees by credit card, establish and manage USPTO deposit accounts, request refunds, and set up user profiles. The USPTO uses this collection to process credit card payments, handle deposit...

Credit Risk Evaluation Using a C-Variable Least Squares Support Vector Classification Model

NASA Astrophysics Data System (ADS)

Yu, Lean; Wang, Shouyang; Lai, K. K.

Credit risk evaluation is one of the most important issues in financial risk management. In this paper, a C-variable least squares support vector classification (C-VLSSVC) model is proposed for credit risk analysis. The main idea of this model is based on the prior knowledge that different classes may have different importance for modeling and more weights should be given to those classes with more importance. The C-VLSSVC model can be constructed by a simple modification of the regularization parameter in LSSVC, whereby more weights are given to the lease squares classification errors with important classes than the lease squares classification errors with unimportant classes while keeping the regularized terms in its original form. For illustration purpose, a real-world credit dataset is used to test the effectiveness of the C-VLSSVC model.

Optimizing revenue at a cosmetic surgery centre

PubMed Central

Funk, Joanna M; Verheyden, Charles N; Mahabir, Raman C

2011-01-01

BACKGROUND: The demand for cosmetic surgery and services has diminished with recent fluctuations in the economy. To stay ahead, surgeons must appreciate and attend to the fiscal challenges of private practice. A key component of practice economics is knowledge of the common methods of payment. OBJECTIVE: To review methods of payment in a five-surgeon group practice in central Texas, USA. METHODS: A retrospective chart review of the financial records of a cosmetic surgery centre in Texas was conducted. Data were collected for the five-year period from 2003 to 2008, and included the method of payment, the item purchased (product, service or surgery) and the dollar amount. RESULTS: More than 11,000 transactions were reviewed. The most common method of payment used for products and services was credit card, followed by check and cash. For procedures, the most common form of payment was personal check, followed by credit card and financing. Of the credit card purchases for both products and procedures, an overwhelming majority of patients (more than 75%) used either Visa (Visa Inc, USA) or MasterCard (MasterCard Worldwide, USA). If the amount of the individual transaction surpassed US$1,000, the most common method of payment transitioned from credit card to personal check. CONCLUSIONS: In an effort to maximize revenue, surgeons should consider limiting the credit cards accepted by the practice and encourage payment through personal check. PMID:22942656

Preventing the threat of credit-card fraud: Factors influencing cashiers' identification-checking behavior.

PubMed

Downing, Christopher; Howard, E Henry; Goodwin, Christina; Geller, E Scott

2016-01-01

Two studies examined factors influencing cashiers' identification (ID)-checking behavior in order to inform the development of interventions to prevent credit-card fraud. In both studies, research assistants made credit purchases in various stores and noted the cashiers' ID-checking behavior. In the first study, the store type, whether the cashier swiped the credit/debit card, the amount of the purchase, and whether the credit/debit card was signed significantly influenced ID-checking behavior. In the second study, an A-B-A design was used to evaluate the impact of a "Check my ID" prompt placed on the credit/debit card. The prompt increased cashiers' ID-checking behavior from 5.9% at Baseline to 10.3% during the Intervention. When the prompt was removed, the cashiers' ID-checking behavior decreased to 7.2%. Implications for further intervention research to prevent credit-card fraud are discussed.

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

NASA Astrophysics Data System (ADS)

Zhu, Wenlong; Ma, Shoufeng; Tian, Junfang

2017-01-01

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

Evaluation of Achieving a College Education Plus: A Credit-Based Transition Program

ERIC Educational Resources Information Center

Luna, Gaye; Fowler, Michael

2011-01-01

This ex post facto study evaluated Achieving a College Education (ACE) Plus program, a credit-based transition program between a high school district and a community college. Achieving a College Education Plus is an early outreach program. It is designed to aid at-risk students in graduating from high school and making a smooth transition to…

13 CFR 119.12 - What criteria will SBA use to evaluate applications for funding under the PRIME program?

Code of Federal Regulations, 2010 CFR

2010-01-01

... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false What criteria will SBA use to evaluate applications for funding under the PRIME program? 119.12 Section 119.12 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION PROGRAM FOR INVESTMENT IN MICROENTREPRENEURS (âPRIMEâ OR âTHE ACTâ...

Review and Evaluation of the College Level Examination Program for Introductory Macroeconomics for Providing Credit by Exam.

ERIC Educational Resources Information Center

Reichheld, Charles A., III

At Cuyahoga Community College (CCC), the College-Level Examination Program (CLEP) for Introductory Macroeconomics Test was evaluated to determine if it was an effective tool for providing credit by examination for the college's Principles of Economics course. Though students at the present time (1991) can take the CLEP to obtain up to 45 credits…

45 CFR 158.241 - Form of rebate.

Code of Federal Regulations, 2011 CFR

2011-10-01

... method that was used for payment, such as credit card or direct debit. ... in the form of a premium credit, lump-sum check, or, if an enrollee paid the premium using a credit card or direct debit, by lump-sum reimbursement to the account used to pay the premium. (2) Any rebate...

[Financing problems of capital goods. Part 2: procedure for investment appraisal].

PubMed

Clausen, C C; Bauer, M; Saleh, A; Picker, O

2008-07-01

In part 1 of this series about problems of financing capital goods the multiple and partly diametric economic effects of financing instruments were presented using the leasing procedure as an example. The result indicated that due to the complexity of these effects the choice of a specific financing instrument requires an individual consideration. Therefore, part 2 of the series introduces the method of dynamic capital budgeting which allows the instruments discussed in part 1 to be compared with each other and helps to evaluate their economic benefits. More precisely this paper focuses on a comparative analysis of the most common alternatives, leasing, credit financing and investment financing by the state. In this context, after having identified the total costs of ownership of anesthesia devices, the final asset values of the three financing instruments can be compared with each other using the method of dynamic capital budgeting. In contrast to the prevailing opinion, the results show that from a purely fiscal perspective leasing anesthesia devices is the most expensive alternative. Given the fact that no financial support is available from the state, the option of credit financing turns out to be the most preferable alternative from a relatively limited pool of possibilities. However, it still remains to be answered whether credit financing can defend this position against further, innovative forms of debt financing (e.g., factoring, asset-backed securities, hedge funds, mezzanine capital, etc.).

7 CFR 250.51 - Crediting for, and use of, donated foods.

Code of Federal Regulations, 2011 CFR

2011-01-01

... service management company must credit the recipient agency for the value of all donated foods received... entitlement and bonus foods). Such requirement includes crediting for the value of donated foods contained in... donated food value in processed end products on to the recipient agency. (b) Method and frequency of...

Store Security. Credit Card Fraud.

ERIC Educational Resources Information Center

Brockway, Jerry

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

46 CFR 2.10-20 - General requirements.

Code of Federal Regulations, 2012 CFR

2012-10-01

... the U.S. Treasury. Payment may also be made by credit card or wire transfer. (c) All payments must be... following methods: (1) For COI and COC Inspections: (i) For payment by credit card, online through www.pay... credit card, U.S. Coast Guard Finance Center (OGR), 1430A Kristina Way, Chesapeake, VA 23326. (ii) For...

46 CFR 2.10-20 - General requirements.

Code of Federal Regulations, 2014 CFR

2014-10-01

... the U.S. Treasury. Payment may also be made by credit card or wire transfer. (c) All payments must be... following methods: (1) For COI and COC Inspections: (i) For payment by credit card, online through www.pay... credit card, U.S. Coast Guard Finance Center (OGR), 1430A Kristina Way, Chesapeake, VA 23326. (ii) For...

Maximizing Credit Accrual and Recovery for Homeless Students. Best Practices in Homeless Education

ERIC Educational Resources Information Center

National Center for Homeless Education at SERVE, 2010

2010-01-01

Middle and high school students experiencing homelessness often face challenges in accruing credits. Class offerings, methods of calculating credits, and graduation requirements can vary greatly among school districts. Students who change schools late in high school can find themselves suddenly in danger of not graduating due to differing class…

Optimizing revenue at a cosmetic surgery centre.

PubMed

Funk, Joanna M; Verheyden, Charles N; Mahabir, Raman C

2011-01-01

The demand for cosmetic surgery and services has diminished with recent fluctuations in the economy. To stay ahead, surgeons must appreciate and attend to the fiscal challenges of private practice. A key component of practice economics is knowledge of the common methods of payment. To review methods of payment in a five-surgeon group practice in central Texas, USA. A retrospective chart review of the financial records of a cosmetic surgery centre in Texas was conducted. Data were collected for the five-year period from 2003 to 2008, and included the method of payment, the item purchased (product, service or surgery) and the dollar amount. More than 11,000 transactions were reviewed. The most common method of payment used for products and services was credit card, followed by check and cash. For procedures, the most common form of payment was personal check, followed by credit card and financing. Of the credit card purchases for both products and procedures, an overwhelming majority of patients (more than 75%) used either Visa (Visa Inc, USA) or MasterCard (MasterCard Worldwide, USA). If the amount of the individual transaction surpassed US$1,000, the most common method of payment transitioned from credit card to personal check. In an effort to maximize revenue, surgeons should consider limiting the credit cards accepted by the practice and encourage payment through personal check.

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

NASA Astrophysics Data System (ADS)

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

2018-03-01

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

Continuing professional development crediting system for specialists in laboratory medicine within 28 EFLM national societies.

PubMed

Topic, Elizabeta; Beletic, Andjelo; Zima, Tomas

2013-01-01

Continuing professional development (CPD) with corresponding crediting system is recognized as essential for the laboratory medicine specialists to provide optimal service for the patients. Article presents results of the survey evaluating current CPD crediting practice among members of European Federation of Clinical Chemistry and Laboratory Medicine (EFLM). A questionnaire had been forwarded to presidents/national representatives of all EFLM members, with invitation to provide information about CPD programmes and crediting policies, as well as feedback on individual CPD categories, through scoring their relevance. Complete or partial answers were received from 28 of 38 members. In 23 countries, CPD programmes exist and earn credits, with 19 of them offering access to non-medical scientists. CPD activities are evaluated in all participating countries, regardless to the existence of an official CPD programme. Among participating members with mandatory specialists' licensing (22/28), CPD is a prerequisite for relicensing in 13 countries. Main categories recognized as CPD are: continuing education (24 countries), article/book (17/14 countries) authorship and distance learning (14 countries). The highest median score of relevance (20) is allocated to professional training, editor/authorship and official activities in professional organizations, with the first category showing the least variation among scores. Majority of EFLM members have developed CPD programmes, regularly evaluated and accompanied by crediting systems. Programmes differ in accessibility for non-medical scientists and impact on relicensing eligibility. Continuing education, authorship and e-learning are mainly recognized as CPD activities, although the professional training is appreciated as the most important individual CPD category.

CO2 and H2O: Understanding Different Stakeholder Perspectives on the Use of Carbon Credits to Finance Household Water Treatment Projects

PubMed Central

Summers, Sarah K.; Rainey, Rochelle; Kaur, Maneet; Graham, Jay P.

2015-01-01

Background Carbon credits are an increasingly prevalent market-based mechanism used to subsidize household water treatment technologies (HWT). This involves generating credits through the reduction of carbon emissions from boiling water by providing a technology that reduces greenhouse gas emissions linked to climate change. Proponents claim this process delivers health and environmental benefits by providing clean drinking water and reducing greenhouse gases. Selling carbon credits associated with HWT projects requires rigorous monitoring to ensure households are using the HWT and achieving the desired benefits of the device. Critics have suggested that the technologies provide neither the benefits of clean water nor reduced emissions. This study explores the perspectives of carbon credit and water, sanitation and hygiene (WASH) experts on HWT carbon credit projects. Methods Thirteen semi-structured, in-depth interviews were conducted with key informants from the WASH and carbon credit development sectors. The interviews explored perceptions of the two groups with respect to the procedures applied in the Gold Standard methodology for trading Voluntary Emission Reduction (VER) credits. Results Agreement among the WASH and carbon credit experts existed for the concept of suppressed demand and parameters in the baseline water boiling test. Key differences, however, existed. WASH experts’ responses highlighted a focus on objectively verifiable data for monitoring carbon projects while carbon credit experts called for contextualizing observed data with the need for flexibility and balancing financial viability with quality assurance. Conclusions Carbon credit projects have the potential to become an important financing mechanism for clean energy in low- and middle-income countries. Based on this research we recommend that more effort be placed on building consensus on the underlying assumptions for obtaining carbon credits from HWT projects, as well as the approved methods for monitoring correct and consistent use of the HWT technologies in order to support public health impacts. PMID:25928139

29 CFR 2590.701-4 - Rules relating to creditable coverage.

Code of Federal Regulations, 2010 CFR

2010-07-01

... foreign country, or any political subdivision of a State, the U.S. government, or a foreign country that... Children's Health Insurance Program). (2) Excluded coverage. Creditable coverage does not include coverage... standard method described in paragraph (b) of this section. A plan or issuer may use the alternative method...

75 FR 80866 - Credit Rating Standardization Study

Federal Register 2010, 2011, 2012, 2013, 2014

2010-12-23

... ratings using identical terms; standardizing the market stress conditions under which ratings are... probabilities and loss expectations under standardized conditions of economic stress; and standardizing credit... identical terms; (B) standardizing the market stress conditions under which ratings are evaluated; (C...

The Impact of Credit on Village Economies

PubMed Central

Kaboski, Joseph P.; Townsend, Robert M.

2011-01-01

This paper evaluates the short-term impact of Thailand’s ‘Million Baht Village Fund’program, among the largest scale government microfinance iniative in the world, using pre- and post-program panel data and quasi-experimental cross-village variation in credit-per-household. We find that the village funds have increased total short-term credit, consumption, agricultural investment, income growth (from business and labor), but decreased overall asset growth. We also find a positive impact on wages, an important general equilibrium effect. The findings are broadly consistent qualitatively with models of credit-constrained household behavior and models of intermediation and growth. PMID:22844546

Quicker Q-Learning in Multi-Agent Systems

NASA Technical Reports Server (NTRS)

Agogino, Adrian K.; Tumer, Kagan

2005-01-01

Multi-agent learning in Markov Decisions Problems is challenging because of the presence ot two credit assignment problems: 1) How to credit an action taken at time step t for rewards received at t' greater than t; and 2) How to credit an action taken by agent i considering the system reward is a function of the actions of all the agents. The first credit assignment problem is typically addressed with temporal difference methods such as Q-learning OK TD(lambda) The second credit assi,onment problem is typically addressed either by hand-crafting reward functions that assign proper credit to an agent, or by making certain independence assumptions about an agent's state-space and reward function. To address both credit assignment problems simultaneously, we propose the Q Updates with Immediate Counterfactual Rewards-learning (QUICR-learning) designed to improve both the convergence properties and performance of Q-learning in large multi-agent problems. Instead of assuming that an agent s value function can be made independent of other agents, this method suppresses the impact of other agents using counterfactual rewards. Results on multi-agent grid-world problems over multiple topologies show that QUICR-learning can achieve up to thirty fold improvements in performance over both conventional and local Q-learning in the largest tested systems.

Improve ay101 teaching by single modifications versus unchanged controls: statistically-supported examples

NASA Astrophysics Data System (ADS)

Byrd, Gene G.; Byrd, Dana

2017-06-01

The two main purposes of this paper on improving Ay101 courses are presentations of (1) some very effective single changes and (2) a method to improve teaching by making just single changes which are evaluated statistically versus a control group class. We show how simple statistical comparison can be done even with Excel in Windows. Of course, other more sophisticated and powerful methods could be used if available. One of several examples to be discussed on our poster is our modification of an online introductory astronomy lab course evaluated by the multiple choice final exam. We composed questions related to the learning objectives of the course modules (LOQs). Students could “talk to themselves” by discursively answering these for extra credit prior to the final. Results were compared to an otherwise identical previous unmodified class. Modified classes showed statistically much better final exam average scores (78% vs. 66%). This modification helped those students who most need help. Students in the lower third of the class preferentially answered the LOQs to improve their scores and the class average on the exam. These results also show the effectiveness of relevant extra credit work. Other examples will be discussed as specific examples of evaluating improvement by making one change and then testing it versus a control. Essentially, this is an evolutionary approach in which single favorable “mutations” are retained and the unfavorable removed. The temptation to make more than one change each time must be resisted!

45 CFR 158.241 - Form of rebate.

Code of Federal Regulations, 2014 CFR

2014-10-01

... reimbursement using the same method that was used for payment, such as credit card or direct debit. [75 FR 74921... in the form of a premium credit, lump-sum check, or, if an enrollee paid the premium using a credit card or direct debit, by lump-sum reimbursement to the account used to pay the premium. (2) For each of...

45 CFR 158.241 - Form of rebate.

Code of Federal Regulations, 2012 CFR

2012-10-01

... check or lump-sum reimbursement using the same method that was used for payment, such as credit card or... in the form of a premium credit, lump-sum check, or, if an enrollee paid the premium using a credit card or direct debit, by lump-sum reimbursement to the account used to pay the premium. (2) Any rebate...

Science Credit for Agriculture: Perceived Support, Preferred Implementation Methods and Teacher Science Course Work.

ERIC Educational Resources Information Center

Johnson, Donald M.

1996-01-01

Arkansas agriculture teachers (213 of 259 surveyed) expressed support for granting science credit for agriculture (88.8%); 65.6% supported science credit for a limited number of agriculture courses. Blanket endorsement for all certified agriculture teachers was favored by 71.5%; 56.6% preferred endorsement only for certified teachers completing an…

Credit scores, cardiovascular disease risk, and human capital.

PubMed

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

2014-12-02

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

7 CFR 250.50 - Contract requirements and procurement.

Code of Federal Regulations, 2011 CFR

2011-01-01

... must also specify the method used to determine the donated food values to be used in crediting, or the actual values assigned, in accordance with § 250.51. The method used to determine the donated food values... agreements, and must ensure crediting of the recipient agency for the value of donated foods contained in...

Credit Where Credit Is Due: An Approach to Education Returns Based on Shapley Values

ERIC Educational Resources Information Center

Barakat, Bilal; Crespo Cuaresma, Jesus

2017-01-01

We propose the use of methods based on the Shapley value to assess the fact that private returns to lower levels of educational attainment should be credited with part of the returns from higher attainment levels, since achieving primary education is a necessary condition to enter secondary and tertiary educational levels. We apply the proposed…

Unfamiliar Territory: A Case Study of College Professors Teaching on High School Campuses

ERIC Educational Resources Information Center

Cade, Barbara Levene

2017-01-01

The increase of enrollment in dual credit courses in high schools is staggering and traditional methods of delivering dual credit stop short of meeting the demand. In one newer model, college professors teach dual credit courses on high school campuses. However, little is known about how the uniqueness of the high school setting informs the…

The optimal inventory policy for EPQ model under trade credit

NASA Astrophysics Data System (ADS)

Chung, Kun-Jen

2010-09-01

Huang and Huang [(2008), 'Optimal Inventory Replenishment Policy for the EPQ Model Under Trade Credit without Derivatives International Journal of Systems Science, 39, 539-546] use the algebraic method to determine the optimal inventory replenishment policy for the retailer in the extended model under trade credit. However, the algebraic method has its limit of application such that validities of proofs of Theorems 1-4 in Huang and Huang (2008) are questionable. The main purpose of this article is not only to indicate shortcomings but also to present the accurate proofs for Huang and Huang (2008).

76 FR 3190 - Notice of Funding Availability for Applications for Credit Assistance Under the Transportation...

Federal Register 2010, 2011, 2012, 2013, 2014

2011-01-19

...The DOT's TIFIA Joint Program Office (JPO) announces the availability of funding to support new applications for credit assistance. Under TIFIA, the DOT provides secured (direct) loans, lines of credit, and loan guarantees to public and private applicants for eligible surface transportation projects of regional or national significance. Projects must meet statutorily specified criteria to be selected for credit assistance. Because demand for the TIFIA program can exceed budgetary resources, the DOT is utilizing periodic fixed-date solicitations that will establish a competitive group of projects to be evaluated against the program objectives. This notice outlines the process that applicants must follow.

Curriculum Development through YTS Modular Credit Accumulation.

ERIC Educational Resources Information Center

Further Education Unit, London (England).

This document reports the evaluation of the collaborately developed Modular Training Framework (MainFrame), a British curriculum development project, built around a commitment to a competency-based, modular credit accumulation program. The collaborators were three local education authorities (LEAs), those of Bedfordshire, Haringey, and Sheffield,…

12 CFR 27.2 - Definitions.

Code of Federal Regulations, 2010 CFR

2010-01-01

... considers in evaluating the amount and type of credit requested. (e) Decision center means the place where... purchase, permanent financing for construction, or the refinancing of residential real property which the.... Where the bank in its judgment relies substantially upon other factors, such as the general credit...

13 CFR 108.370 - Conditional approval.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Conditional approval. 108.370 Section 108.370 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION NEW MARKETS VENTURE CAPITAL (âNMVCâ) PROGRAM Evaluation and Selection of NMVC Companies § 108.370 Conditional approval. From...

Deconstructing doctoral dissertations: how many papers does it take to make a PhD?

PubMed

Hagen, Nils T

2010-11-01

A collection of coauthored papers is the new norm for doctoral dissertations in the natural and biomedical sciences, yet there is no consensus on how to partition authorship credit between PhD candidates and their coauthors. Guidelines for PhD programs vary but tend to specify only a suggested range for the number of papers to be submitted for evaluation, sometimes supplemented with a requirement for the PhD candidate to be the principal author on the majority of submitted papers. Here I use harmonic counting to quantify the actual amount of authorship credit attributable to individual PhD graduates from two Scandinavian universities in 2008. Harmonic counting corrects for the inherent inflationary and equalizing biases of routine counting methods, thereby allowing the bibliometrically identifiable amount of authorship credit in approved dissertations to be analyzed with unprecedented accuracy. Unbiased partitioning of authorship credit between graduates and their coauthors provides a post hoc bibliometric measure of current PhD requirements, and sets a de facto baseline for the requisite scientific productivity of these contemporary PhD's at a median value of approximately 1.6 undivided papers per dissertation. Comparison with previous census data suggests that the baseline has shifted over the past two decades as a result of a decrease in the number of submitted papers per candidate and an increase in the number of coauthors per paper. A simple solution to this shifting baseline syndrome would be to benchmark the amount of unbiased authorship credit deemed necessary for successful completion of a specific PhD program, and then monitor for departures from this level over time. Harmonic partitioning of authorship credit also facilitates cross-disciplinary and inter-institutional analysis of the scientific output from different PhD programs. Juxtaposing bibliometric benchmarks with current baselines may thus assist the development of harmonized guidelines and transparent transnational quality assurance procedures for doctoral programs by providing a robust and meaningful standard for further exploration of the causes of intra- and inter-institutional variation in the amount of unbiased authorship credit per dissertation.

Credit scores, cardiovascular disease risk, and human capital

PubMed Central

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

2014-01-01

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

40 CFR 63.652 - Emissions averaging provisions.

Code of Federal Regulations, 2013 CFR

2013-07-01

... times the credits for the same period calculated according to paragraph (h) of this section. Compliance... used to calculate debits and credits from the time of the change forward, and the new values shall be... control design evaluation and documented engineering calculations. (2) For determining debits from...

40 CFR 63.652 - Emissions averaging provisions.

Code of Federal Regulations, 2011 CFR

2011-07-01

... times the credits for the same period calculated according to paragraph (h) of this section. Compliance... used to calculate debits and credits from the time of the change forward, and the new values shall be... control design evaluation and documented engineering calculations. (2) For determining debits from...

13 CFR 108.350 - Eligibility and completeness.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Eligibility and completeness. 108.350 Section 108.350 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION NEW MARKETS VENTURE CAPITAL (âNMVCâ) PROGRAM Evaluation and Selection of NMVC Companies § 108.350 Eligibility and completeness...

The Salaried, Credited Internship in Environmental Studies.

ERIC Educational Resources Information Center

Schultz, Judith M.

1981-01-01

If carefully designed and arranged, the credited, salaried internship can serve as a transition to the real world of environmental problem-solving, performance evaluation, and ability to work with peers and supervisors. Presented are guidelines for operating such programs and samples of the internship agreement, responsibilities, and evaluation…

Peer-to-Peer JXTA Architecture for Continuing Mobile Medical Education Incorporated in Rural Public Health Centers

PubMed Central

Rajasekaran, Rajkumar; Iyengar, Nallani Chackravatula Sriman Narayana

2013-01-01

Objectives: Mobile technology helps to improve continuing medical education; this includes all aspects of public health care as well as keeping one’s knowledge up-to-date. The program of continuing medical and health education is intertwined with mobile health technology, which forms an imperative component of national strategies in health. Continuing mobile medical education (CMME) programs are designed to ensure that all medical and health-care professionals stay up-to-date with the knowledge required through mobile JXTA to appraise modernized strategies so as to achieve national goals of health-care information distribution. Methods: In this study, a 20-item questionnaire was distributed to 280 health professionals practicing traditional training learning methodologies (180 nurses, 60 doctors, and 40 health inspectors) in 25 rural hospitals. Among the 83% respondents, 56% are eager to take new learning methodologies as part of their evaluation, which is considered for promotion to higher grades, increments, or as part of their work-related activities. Results: The proposed model was executed in five public health centers in which nurses and health inspectors registered in the JXTA network were referred to the record peer group by administrators. A mobile training program on immunization was conducted through the ADVT, with the lectures delivered on their mobiles. Credits are given after taking the course and completing an evaluation test. The system is faster compared with traditional learning. Conclusion: Medical knowledge management and mobile-streaming application support the CMME system through JXTA. The mobile system includes online lectures and practice quizzes, as well as assignments and interactions with health professionals. Evaluation and assessments are done online and credits certificates are provided based on the score the student obtains. The acceptance of mobile JXTA peer-to-peer learning has created a drastic change in learning methods among rural health professionals. The professionals undergo training and should pass an exam in order to obtain the credits. The system is controlled and monitored by the administrator peer group, which makes it more flexible and structured. Compared with traditional learning system, enhanced study improves cloud-based mobile medical education technology. PMID:24159539

The Research on the Loan-to-Value of Inventory Pledge Loan Based Upon the Unified Credit Mode

NASA Astrophysics Data System (ADS)

Peng, Yang

This paper focus on loan limit indicator of seasonal inventory financing in supply chain financial innovation based on the logistics features of unified credit mode. According to the "corporate and debt" method in trade credit, this paper analyzes the cash flow properties of borrowing firm and the profit level of logistics enterprise, then it assumes downside-risk-averse logistics enterprise instead of risk-neutral logistics enterprise and takes the method of VaR to figure out the maximum loan-to-value ratio of inventory which is in accord with the risk tolerance level of logistics enterprise in seasonal inventory impawn financing.

Teaching Staff Advanced Training: European Experience

ERIC Educational Resources Information Center

Kovalchuk, Vasyl

2015-01-01

The issue of teaching staff advanced training is paid much attention in many countries. In the Republic of Moldova progressive professional credits system is used. Credits are scored not only in assigning teaching degrees or issuing a certificate of continuing professional education, but also for teachers' evaluation at the educational…

5 CFR 430.208 - Rating performance.

Code of Federal Regulations, 2010 CFR

2010-01-01

... only on the evaluation of actual job performance for the designated appraisal period. (2) An agency... limited to, assigning additional retention service credit under § 351.504 of this chapter. (5) Under the provisions of § 351.504(e) of this chapter, the number of years of additional retention service credit...

Guidelines for Curriculum Development. Revised.

ERIC Educational Resources Information Center

Kistler, K.; And Others

The curriculum development process explained in this booklet was first implemented at College of the Redwoods in May 1986 and then revised in June 1989. First, information on the college's Curriculum Committee is provided, indicating that the committee was formed to plan credit/non-credit courses; evaluate and approve additions, modifications, or…

75 FR 68393 - Data Collection Available for Public Comments and Recommendations

Federal Register 2010, 2011, 2012, 2013, 2014

2010-11-05

... and to properly evaluate the merits of each loan request based on reasonable and customary underwriting criteria such as character, capacity, credit collateral, etc. This information is collected for the purpose of extending credit under the 504 loan program. Title: U.S. Small Business Administration...

Study of parameter identification using hybrid neural-genetic algorithm in electro-hydraulic servo system

NASA Astrophysics Data System (ADS)

Moon, Byung-Young

2005-12-01

The hybrid neural-genetic multi-model parameter estimation algorithm was demonstrated. This method can be applied to structured system identification of electro-hydraulic servo system. This algorithms consist of a recurrent incremental credit assignment(ICRA) neural network and a genetic algorithm. The ICRA neural network evaluates each member of a generation of model and genetic algorithm produces new generation of model. To evaluate the proposed method, electro-hydraulic servo system was designed and manufactured. The experiment was carried out to figure out the hybrid neural-genetic multi-model parameter estimation algorithm. As a result, the dynamic characteristics were obtained such as the parameters(mass, damping coefficient, bulk modulus, spring coefficient), which minimize total square error. The result of this study can be applied to hydraulic systems in industrial fields.

QUICR-learning for Multi-Agent Coordination

NASA Technical Reports Server (NTRS)

Agogino, Adrian K.; Tumer, Kagan

2006-01-01

Coordinating multiple agents that need to perform a sequence of actions to maximize a system level reward requires solving two distinct credit assignment problems. First, credit must be assigned for an action taken at time step t that results in a reward at time step t > t. Second, credit must be assigned for the contribution of agent i to the overall system performance. The first credit assignment problem is typically addressed with temporal difference methods such as Q-learning. The second credit assignment problem is typically addressed by creating custom reward functions. To address both credit assignment problems simultaneously, we propose the "Q Updates with Immediate Counterfactual Rewards-learning" (QUICR-learning) designed to improve both the convergence properties and performance of Q-learning in large multi-agent problems. QUICR-learning is based on previous work on single-time-step counterfactual rewards described by the collectives framework. Results on a traffic congestion problem shows that QUICR-learning is significantly better than a Q-learner using collectives-based (single-time-step counterfactual) rewards. In addition QUICR-learning provides significant gains over conventional and local Q-learning. Additional results on a multi-agent grid-world problem show that the improvements due to QUICR-learning are not domain specific and can provide up to a ten fold increase in performance over existing methods.

Credit Cards, Economization of Money, and Interest Rates.

ERIC Educational Resources Information Center

Steindl, Frank G.

2000-01-01

Focuses on the effect of interest rates on the increased use of credit cards, a popular method of financing households. Uses three models to demonstrate that interest rates must rise, resulting in increased consumption expenditures. (CMK)

Evaluation of portfolio credit risk based on survival analysis for progressive censored data

NASA Astrophysics Data System (ADS)

Jaber, Jamil J.; Ismail, Noriszura; Ramli, Siti Norafidah Mohd

2017-04-01

In credit risk management, the Basel committee provides a choice of three approaches to the financial institutions for calculating the required capital: the standardized approach, the Internal Ratings-Based (IRB) approach, and the Advanced IRB approach. The IRB approach is usually preferred compared to the standard approach due to its higher accuracy and lower capital charges. This paper use several parametric models (Exponential, log-normal, Gamma, Weibull, Log-logistic, Gompertz) to evaluate the credit risk of the corporate portfolio in the Jordanian banks based on the monthly sample collected from January 2010 to December 2015. The best model is selected using several goodness-of-fit criteria (MSE, AIC, BIC). The results indicate that the Gompertz distribution is the best model parametric model for the data.

Delay banking for air traffic management

NASA Technical Reports Server (NTRS)

Green, Steven M. (Inventor)

2007-01-01

A method and associated system for time delay banking for aircraft arrival time, aircraft departure time and/or en route flight position. The delay credit value for a given flight may decrease with passage of time and may be transferred to or traded with other flights having the same or a different user (airline owner or operator). The delay credit value for a given aircraft flight depends upon an initial delay credit value, which is determined by a central system and depends upon one or more other flight characteristics. Optionally, the delay credit value decreases with passage of time. Optionally, a transaction cost is assessed against a delay credit value that is used on behalf of another flight with the same user or is traded with a different user.

26 CFR 1.905-1 - When credit for taxes may be taken.

Code of Federal Regulations, 2010 CFR

2010-04-01

... method of accounting employed in keeping his books, to take such credit for taxes as may be allowable in... under the corresponding provisions of prior internal revenue laws) must be followed in returns for all...

26 CFR 301.9100-21 - References to other temporary elections under various tax acts.

Code of Federal Regulations, 2012 CFR

2012-04-01

... of 1981. 7.48-1 Election to have investment credit for movie and television films determined in... method of determining investment credit for movie and television films placed in service in a taxable...

26 CFR 301.9100-21 - References to other temporary elections under various tax acts.

Code of Federal Regulations, 2013 CFR

2013-04-01

... of 1981. 7.48-1 Election to have investment credit for movie and television films determined in... method of determining investment credit for movie and television films placed in service in a taxable...

26 CFR 301.9100-21 - References to other temporary elections under various tax acts.

Code of Federal Regulations, 2011 CFR

2011-04-01

... of 1981. 7.48-1 Election to have investment credit for movie and television films determined in... method of determining investment credit for movie and television films placed in service in a taxable...

26 CFR 301.9100-21 - References to other temporary elections under various tax acts.

Code of Federal Regulations, 2014 CFR

2014-04-01

... of 1981. 7.48-1 Election to have investment credit for movie and television films determined in... method of determining investment credit for movie and television films placed in service in a taxable...

Awarding Educational Credit for Women's Unpaid Work.

ERIC Educational Resources Information Center

Sansregret, Marthe; Ekstrom, Ruth B.

Women who seek further education and the formal credentials it provides often have acquired valuable knowledge and work experience while performing various unpaid work in their homes and communities. Awarding college credit and recognition for women's nonpaid work is a measure of social justice and equity. The three major ways to evaluate and…

Consumer default risk assessment in a banking institution

NASA Astrophysics Data System (ADS)

Costa e Silva, Eliana; Lopes, Isabel Cristina; Correia, Aldina; Faria, Susana

2016-12-01

Credit scoring is an application of financial risk forecasting to consumer lending. In this study, statistical analysis is applied to credit scoring data from a financial institution to evaluate the default risk of consumer loans. The default risk was found to be influenced by the spread, the age of the consumer, the number of credit cards owned by the consumer. A lower spread, a higher number of credit cards and a younger age of the borrower are factors that decrease the risk of default. Clients receiving the salary in the same banking institution of the loan have less chances of default than clients receiving their salary in another institution. We also found that clients in the lowest income tax echelon have more propensity to default.

76 FR 4408 - Notice of Funding Availability for Applications for Credit Assistance Under the Transportation...

Federal Register 2010, 2011, 2012, 2013, 2014

2011-01-25

...The DOT's TIFIA Joint Program Office (JPO) announces the availability of funding to support new applications for credit assistance. Under TIFIA, the DOT provides secured (direct) loans, lines of credit, and loan guarantees to public and private applicants for eligible surface transportation projects of regional or national significance. Projects must meet statutorily specified criteria to be selected for credit assistance. Because demand for the TIFIA program can exceed budgetary resources, the DOT is utilizing periodic fixed-date solicitations that will establish a competitive group of projects to be evaluated against the program objectives. This notice outlines the process that applicants must follow. This notice supersedes the notice published in the Federal Register on January 19, 2011, at 76 FR 3190.

12 CFR 621.2 - Definitions.

Code of Federal Regulations, 2013 CFR

2013-01-01

... entity, or any combination thereof, that is primarily obligated on the loan instrument. (c) Generally... Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM ACCOUNTING AND REPORTING REQUIREMENTS Purpose and...) Accrual basis of accounting means the accounting method in which expenses are recorded when incurred...

12 CFR 621.2 - Definitions.

Code of Federal Regulations, 2012 CFR

2012-01-01

... entity, or any combination thereof, that is primarily obligated on the loan instrument. (c) Generally... Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM ACCOUNTING AND REPORTING REQUIREMENTS Purpose and...) Accrual basis of accounting means the accounting method in which expenses are recorded when incurred...

12 CFR 621.2 - Definitions.

Code of Federal Regulations, 2011 CFR

2011-01-01

... entity, or any combination thereof, that is primarily obligated on the loan instrument. (c) Generally... Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM ACCOUNTING AND REPORTING REQUIREMENTS Purpose and...) Accrual basis of accounting means the accounting method in which expenses are recorded when incurred...

Pre-counseling education for low literacy women at risk of Hereditary Breast and Ovarian Cancer (HBOC): patient experiences using the Cancer Risk Education Intervention Tool (CREdIT).

PubMed

Joseph, Galen; Beattie, Mary S; Lee, Robin; Braithwaite, Dejana; Wilcox, Carolina; Metrikin, Maya; Lamvik, Kate; Luce, Judith

2010-10-01

The Cancer Risk Education Intervention Tool (CREdIT) is a computer-based (non-interactive) slide presentation designed to educate low-literacy, and ethnically and racially diverse public hospital patients at risk of Hereditary Breast and Ovarian Cancer (HBOC) about genetics. To qualitatively evaluate participants' experience with and perceptions of a genetic education program as an adjunct to genetic counseling, we conducted direct observations of the intervention, semi-structured in person interviews with 11 women who viewed CREdIT, and post-counseling questionnaires with the two participating genetic counselors. Five themes emerged from the analysis of interviews: (1) genetic counseling and testing for breast/ovarian cancer was a new concept; (2) CREdIT's story format was particularly appealing; (3) changes in participants' perceived risk for breast cancer varied; (4) some misunderstandings about individual risk and heredity persisted after CREdIT and counseling; (5) the context for viewing CREdIT shaped responses to the presentation. Observations demonstrated ways to make the information provided in CREdIT and by genetic counselors more consistent. In a post-session counselor questionnaire, counselors' rating of the patient's preparedness before the session was significantly higher for patients who viewed CREdIT prior to their appointments than for other patients. This novel educational tool fills a gap in HBOC education by tailoring information to women of lower literacy and diverse ethnic/racial backgrounds. The tool was well received by interview participants and counselors alike. Further study is needed to examine the varied effects of CREdIT on risk perception. In addition, the implementation of CREdIT in diverse clinical settings and the cultural adaptation of CREdIT to specific populations reflect important areas for future work.

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

NASA Astrophysics Data System (ADS)

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

2018-03-01

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

A method of rapidly evaluating image quality of NED optical system

NASA Astrophysics Data System (ADS)

Sun, Qi; Qiu, Chuankai; Yang, Huan

2014-11-01

In recent years, with the development of technology of micro-display, advanced optics and the software and hardware, near-to-eye display ( NED) optical system will have a wide range of potential applications in the fields of amusement and virtual reality. However, research on the evaluating image quality of this kind optical system is comparatively lagging behind. Although now there are some methods and equipment for evaluation, they can't be applied in commercial production because of their complex operation and inaccuracy. In this paper, an academic method is proposed and a Rapid Evaluation System (RES) is designed to evaluate the image of optical system rapidly and exactly. Firstly, a set of parameters that eyes are sensitive to and also express the quality of system should be extracted and quantized to be criterion, so the evaluation standards can be established. Then, some parameters can be detected by RES consisted of micro-display, CCD camera and computer and so on. By process of scaling, the measuring results of the RES are exact and creditable, relationship between object measurement, subjective evaluation and the RES will be established. After that, image quality of optical system can be evaluated just by detecting parameters of that. The RES is simple and the results of evaluation are exact and keeping with human vision. So the method can be used not only for optimizing design of optical system, but also for evaluation in commercial production.

48 CFR 2913.301 - Governmentwide commercial purchase card.

Code of Federal Regulations, 2013 CFR

2013-10-01

... other methods of purchasing. However, the same legal restrictions apply to credit card purchases that.../Agency Purchase/Credit Card Program procedures. A number of the more common restrictions which... purchase card. 2913.301 Section 2913.301 Federal Acquisition Regulations System DEPARTMENT OF LABOR...

48 CFR 2913.301 - Governmentwide commercial purchase card.

Code of Federal Regulations, 2014 CFR

2014-10-01

... other methods of purchasing. However, the same legal restrictions apply to credit card purchases that.../Agency Purchase/Credit Card Program procedures. A number of the more common restrictions which... purchase card. 2913.301 Section 2913.301 Federal Acquisition Regulations System DEPARTMENT OF LABOR...

48 CFR 2913.301 - Governmentwide commercial purchase card.

Code of Federal Regulations, 2011 CFR

2011-10-01

... other methods of purchasing. However, the same legal restrictions apply to credit card purchases that.../Agency Purchase/Credit Card Program procedures. A number of the more common restrictions which... purchase card. 2913.301 Section 2913.301 Federal Acquisition Regulations System DEPARTMENT OF LABOR...

Integrating cobenefits produced with water quality BMPs into credits markets: Conceptualization and experimental illustration for EPRI's Ohio River Basin Trading

NASA Astrophysics Data System (ADS)

Liu, Pengfei; Swallow, Stephen K.

2016-05-01

This paper develops a method that incorporates the public value for environmental cobenefits when a conservation buyer can purchase water quality credits based on nonmarket valuation results. We demonstrate this approach through an experiment with adult students in a classroom laboratory environment. Our application contributes to the study of individual preference and willingness to pay for cobenefits associated with the production of water quality credits in relation to the Ohio River Basin Trading Project. We use three different methods to elicit individuals' willingness to pay (WTP), including (1) a hypothetical referendum, (2) a real referendum lacking incentive compatibility, and (3) a real choice with incentive compatibility. Methodologically, our WTP estimates suggest individuals are more sensitive to the cost changes and reveal the lowest value in the real choice with incentive compatibility. Practically, we find individuals value certain cobenefits and credits as public goods. Incorporating public value toward cobenefits may improve the overall efficiency of a water quality trading market. Based on our specification of a planner's welfare function, results suggest a substantial welfare improvement after identifying an optimal allocation of a buyer's budget across credits derived from agricultural management practices producing different portfolios of cobenefits.

Mammography screening credit card and compliance.

PubMed

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

1992-07-15

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

Review of Technical Studies in the United States in Support of Burnup Credit Regulatory Guidance

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

Wagner, John C; Parks, Cecil V; Mueller, Don

2010-01-01

Taking credit for the reduction in reactivity associated with fuel depletion can enable more cost-effective, higher-density storage, transport, disposal, and reprocessing of spent nuclear fuel (SNF) while maintaining sufficient subcritical margin to establish an adequate safety basis. Consequently, there continues to be considerable interest in the United States (U.S.), as well as internationally, in the increased use of burnup credit in SNF operations, particularly related to storage, transport, and disposal of commercial SNF. This interest has motivated numerous technical studies related to the application of burnup credit, both domestically and internationally, as well as the design of SNF storage, transportmore » and disposal systems that rely on burnup credit for maintaining subcriticality. Responding to industry requests and needs, the U.S. Nuclear Regulatory Commission (NRC) initiated a burnup credit research program in 1999, with support from the Oak Ridge National Laboratory (ORNL), to develop regulatory guidance and the supporting technical bases for allowing and expanding the use of burnup credit in pressurized-water reactor SNF storage and transport applications. Although this NRC research program has not been continuous since its inception, considerable progress has been achieved in many key areas in terms of increased understanding of relevant phenomena and issues, availability of relevant information and data, and subsequently updated regulatory guidance for expanded use of burnup credit. This paper reviews technical studies performed by ORNL for the U.S. NRC burnup credit research program. Examples of topics include reactivity effects associated with reactor operating characteristics, fuel assembly characteristics, burnable absorbers, control rods, spatial burnup distributions, cooling time, and assembly misloading; methods and data for validation of isotopic composition predictions; methods and data for validation of criticality calculations; and operational issues and data related to assembly burnup confirmation. The objective of this paper is to summarize the work and significant accomplishments, with references to the technical reports and publications for complete details, and provide a useful resource to others in the burnup credit community.« less

78 FR 37572 - Proposed Amendments to Class Prohibited Transaction Exemptions To Remove Credit Ratings Pursuant...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-06-21

... Department, which are designed ``[t]o reduce the reliance on ratings.'' \\3\\ \\2\\ See Public Law 111-203, 124... institutional investors and financial regulators.'' \\4\\ Because credit rating agencies perform evaluative and... market value. In the Investment Company Final Rule, the SEC stated that this standard is designed to...

In-House Course Work for Salary Step Credits: The Program at McLennan Community College.

ERIC Educational Resources Information Center

Harrell, Ann; Schormann, Randall

On-campus credit courses for the professional development of community college faculty have proven to be a highly effective means of improving the quality of instruction at McLennan Community College (Waco, Texas). If carefully designed, implemented, and evaluated, these courses can provide an appropriate alternative to faculty enrollment in…

34 CFR 225.11 - What selection criteria does the Secretary use in evaluating an application for a Credit...

Code of Federal Regulations, 2010 CFR

2010-07-01

... 34 Education 1 2010-07-01 2010-07-01 false What selection criteria does the Secretary use in... Education Regulations of the Offices of the Department of Education OFFICE OF ELEMENTARY AND SECONDARY EDUCATION, DEPARTMENT OF EDUCATION CREDIT ENHANCEMENT FOR CHARTER SCHOOL FACILITIES PROGRAM How Does the...

Curve fitting air sample filter decay curves to estimate transuranic content.

PubMed

Hayes, Robert B; Chiou, Hung Cheng

2004-01-01

By testing industry standard techniques for radon progeny evaluation on air sample filters, a new technique is developed to evaluate transuranic activity on air filters by curve fitting the decay curves. The industry method modified here is simply the use of filter activity measurements at different times to estimate the air concentrations of radon progeny. The primary modification was to not look for specific radon progeny values but rather transuranic activity. By using a method that will provide reasonably conservative estimates of the transuranic activity present on a filter, some credit for the decay curve shape can then be taken. By carrying out rigorous statistical analysis of the curve fits to over 65 samples having no transuranic activity taken over a 10-mo period, an optimization of the fitting function and quality tests for this purpose was attained.

Evaluation of the Veterans Health Administration's Specialty Care Transformational Initiatives to Promote Patient-Centered Delivery of Specialty Care: A Mixed-Methods Approach.

PubMed

Williams, Katherine M; Kirsh, Susan; Aron, David; Au, David; Helfrich, Christian; Lambert-Kerzner, Anne; Lowery, Julie; Battaglia, Catherine; Graham, Glenn D; Doukas, Michael; Jain, Rajiv; Ho, P Michael

2017-07-01

Veteran's Affairs Office of Specialty Care (OSC) launched four national initiatives (Electronic-Consults [e-Consults], Specialty Care Access Networks-Extension for Community Healthcare Outcomes [SCAN-ECHO], Mini-Residencies, and Specialty Care Neighborhood) to improve specialty care delivery and funded a center to evaluate the initiatives. The evaluation, guided by two implementation frameworks, provides formative (administrator/provider interviews and surveys) and summative data (quantitative data on patterns of use) about the initiatives to OSC. Evaluation of initiative implementation is assessed through CFIR (Consolidated Framework for Implementation Research)-grounded qualitative interviews to identify barriers/facilitators. Depending on high or low implementation, factors such as receiving workload credit, protected time, existing workflow/systems compatibility, leadership engagement, and access to information/resources were considered implementation barriers or facilitators. Findings were shared with OSC and used to further refine implementation at additional sites. Evaluation of other initiatives is ongoing. The mixed-methods approach has provided timely information to OSC about initiative effect and impacted OSC policies on implementation at additional sites.

Distributed Evaluation Functions for Fault Tolerant Multi-Rover Systems

NASA Technical Reports Server (NTRS)

Agogino, Adrian; Turner, Kagan

2005-01-01

The ability to evolve fault tolerant control strategies for large collections of agents is critical to the successful application of evolutionary strategies to domains where failures are common. Furthermore, while evolutionary algorithms have been highly successful in discovering single-agent control strategies, extending such algorithms to multiagent domains has proven to be difficult. In this paper we present a method for shaping evaluation functions for agents that provide control strategies that both are tolerant to different types of failures and lead to coordinated behavior in a multi-agent setting. This method neither relies of a centralized strategy (susceptible to single point of failures) nor a distributed strategy where each agent uses a system wide evaluation function (severe credit assignment problem). In a multi-rover problem, we show that agents using our agent-specific evaluation perform up to 500% better than agents using the system evaluation. In addition we show that agents are still able to maintain a high level of performance when up to 60% of the agents fail due to actuator, communication or controller faults.

12 CFR 704.2 - Definitions.

Code of Federal Regulations, 2013 CFR

2013-01-01

.... Adjusted trading means any method or transaction whereby a corporate credit union sells a security to a... securities, asset-backed securities, or corporate obligations in the form of loans or debt. Senior tranches... repurchase transaction means an integrated transaction in which a corporate credit union purchases a security...

A Pruning Neural Network Model in Credit Classification Analysis

PubMed Central

Tang, Yajiao; Ji, Junkai; Dai, Hongwei; Yu, Yang; Todo, Yuki

2018-01-01

Nowadays, credit classification models are widely applied because they can help financial decision-makers to handle credit classification issues. Among them, artificial neural networks (ANNs) have been widely accepted as the convincing methods in the credit industry. In this paper, we propose a pruning neural network (PNN) and apply it to solve credit classification problem by adopting the well-known Australian and Japanese credit datasets. The model is inspired by synaptic nonlinearity of a dendritic tree in a biological neural model. And it is trained by an error back-propagation algorithm. The model is capable of realizing a neuronal pruning function by removing the superfluous synapses and useless dendrites and forms a tidy dendritic morphology at the end of learning. Furthermore, we utilize logic circuits (LCs) to simulate the dendritic structures successfully which makes PNN be implemented on the hardware effectively. The statistical results of our experiments have verified that PNN obtains superior performance in comparison with other classical algorithms in terms of accuracy and computational efficiency. PMID:29606961

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

PubMed

Pega, Frank

2016-05-01

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

An assessment of inservice training on the applications in biology/chemistry curriculum from the Center of Occupational Research and Development

NASA Astrophysics Data System (ADS)

Jobe, Robert Dale

Scope and method of study. The scope of the study consisted of respondents to a survey sent to all the participants of the inservice workshops for the Applied Biology/Chemistry curriculum from CORD. One hundred and six surveys were sent to teachers trained for Applied Biology/Chemistry classes for high school credit as a laboratory science requirement. Sixty-two people returned the questionnaire who were present or past teachers of Applied Biology/Chemistry classes for high school credit. The study assessed the participants' expectations and satisfaction with inservice training provided for certification in Oklahoma over the past five years. A common set of objectives that participants rated for importance to philosophy and strategies needed to successfully teach Applications in Biology/Chemistry using the curriculum written by the Center for Occupational Research and Development was evaluated for significance. Findings and conclusions. The analysis of the data revealed that the respondents' expectations and satisfaction were both above average for the workshop they attended. Therefore, it was concluded that the first seventeen objectives of this study should be the mainstay of any workshop used to train future teachers of Applications of Biology/Chemistry for high school credit. Eleven of the first seventeen questions (objectives) were found to be statistically significant at the alpha =.05 level. Therefore it was concluded that an increased emphasis on instruction in the guideline (objectives) areas that were statistically significant should be provided in future workshops. The respondents' answers to the survey questions provided insight on the time line configuration and structure of future workshops for teachers of Application in Biology/Chemistry for high school credit. Therefore it was concluded that workshops should be ten days in length, 6-8 hours a day of instruction, with follow-up sessions offered, college credit given and a stipend awarded. The days, months and structure of meetings should be arranged to facilitate attendance by participants.

Subtask 1.18 - A Decision Tool for Watershed-Based Effluent Trading

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

Xixi Wang; Bethany A. Kurz; Marc D. Kurz

2006-11-30

Handling produced water in an economical and environmentally sound manner is vital to coalbed methane (CBM) development, which is expected to increase up to 60% in the next 10-15 years as the demand for natural gas increases. Current produced water-handling methods (e.g., shallow reinjection and infiltration impoundments) are too costly when implemented on a well-by-well basis. A watershed-based effluent credit trading approach may be a means of managing produced water at reduced cost while meeting or surpassing water quality regulations. This market-based approach allows for improved water quality management by enabling industrial, agricultural, and municipal discharge facilities to meet watermore » quality permit requirements by purchasing pollutant reduction credits from other entities within the same watershed. An evaluation of this concept was conducted for the Powder River Basin (PRB) of Montana and Wyoming by the Energy & Environmental Research Center (EERC). To conduct this assessment, the EERC collected and evaluated existing water quality information and developed the appropriate tools needed to assess the environmental and economic feasibility of specific trading scenarios. The accomplishments of this study include (1) an exploration of the available PRB water quantity and quality data using advanced statistical techniques, (2) development of an integrated water quality model that predicts the impacts of CBM produced water on stream salinity and sodicity, (3) development of an economic model that estimates costs and benefits from implementing potential trading options, (4) evaluation of hypothetical trading scenarios between select watersheds of the PRB, and (5) communication of the project concept and results to key state and federal agencies, industry representatives, and stakeholders of the PRB. The preliminary results of a basinwide assessment indicate that up to $684 million could be saved basinwide without compromising water quality as a result of implementing a watershed-based credit-trading approach.« less

Teaching the Rules of Debit and Credit

ERIC Educational Resources Information Center

Potts, Andrew J.

1974-01-01

A fundamental method of explaining the basic accounting principles and concepts (debit, credit, basic accounting equation) which includes visual aids, reference to local businesses, and drill, does much toward increasing the student's skill and enhancing his understanding of the subject matter. (Sample transparencies are included.) (Author/AJ)

12 CFR 618.8000 - Definitions.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Definitions. 618.8000 Section 618.8000 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM GENERAL PROVISIONS Related Services § 618... means the method or procedures used to deliver a related service. This distinguishes the particulars of...

Efficacy and safety of a biodegradable polymer Cobalt-Chromium sirolimus-eluting stent (EXCEL2) in treating de novo coronary artery disease: A pooled analysis of the CREDIT II and CREDIT III trials.

PubMed

Wang, Geng; Wang, Heyang; Xu, Bo; Yang, Yuejin; Yang, Zhiming; Li, Hui; Zhang, Zheng; Wang, Haichang; Yang, Lixia; Han, Yaling

2017-03-01

The safety and efficacy of the second-generation biodegradable polymer Cobalt-Chromium sirolimus-eluting stent (EXCEL2) in daily clinical practice remains unknown. Additionally, to meet the China Food and Drug Administration requirements, we conducted an objective performance criterion study from the CREDIT II and CREDIT III trials. CREDIT II was a randomized trial comparing the EXCEL2 versus EXCEL stent in patients with up to 2 de novo coronary lesions. CREDIT III was a prospective, single-arm study evaluating the efficacy and safety of EXCEL2 in broad types of de novo coronary artery lesions. This pooled analysis included patients in the CREDIT III and EXCEL2 arm of the CREDIT II trial. The primary outcome was 12-month target lesion failure (TLF), a composite of cardiac death, target vessel myocardial infarction (TV-MI), and clinical indicated target lesion revascularization (CI-TLR). The patient-oriented composite endpoint (PoCE) of all-cause death, all MI, or any revascularization was also analyzed. A total of 833 patients were included, consisting of 625 in the CREDIT III trial and 208 in the EXCEL2 arm of the CREDIT II trial. Twelve-month TLF occurred in 6.1% patients, cardiac death in 0.4%, TV-MI in 5%, and CI-TLR in 1.1%. Additionally, 64 (7.7%) PoCE and 3 probable late stent thromboses (0.4%) were recorded. EXCEL2 stent met the objective performance criterion on efficacy and safety with a low level of 12-month TLF as well as stent thrombosis when treating patients with de novo coronary lesions. © 2017 Wiley Periodicals, Inc. © 2017 Wiley Periodicals, Inc.

Pre-counseling Education for Low Literacy Women at Risk of Hereditary Breast and Ovarian Cancer (HBOC): Patient Experiences Using the Cancer Risk Education Intervention Tool (CREdIT)

PubMed Central

Beattie, Mary S.; Lee, Robin; Braithwaite, Dejana; Wilcox, Carolina; Metrikin, Maya; Lamvik, Kate; Luce, Judith

2010-01-01

The Cancer Risk Education Intervention Tool (CREdIT) is a computer-based (non-interactive) slide presentation designed to educate low-literacy, and ethnically and racially diverse public hospital patients at risk of Hereditary Breast and Ovarian Cancer (HBOC) about genetics. To qualitatively evaluate participants’ experience with and perceptions of a genetic education program as an adjunct to genetic counseling, we conducted direct observations of the intervention, semi-structured in person interviews with 11 women who viewed CREdIT, and post-counseling questionnaires with the two participating genetic counselors. Five themes emerged from the analysis of interviews: (1) genetic counseling and testing for breast/ovarian cancer was a new concept; (2) CREdIT’s story format was particularly appealing; (3) changes in participants’ perceived risk for breast cancer varied; (4) some misunderstandings about individual risk and heredity persisted after CREdIT and counseling; (5) the context for viewing CREdIT shaped responses to the presentation. Observations demonstrated ways to make the information provided in CREdIT and by genetic counselors more consistent. In a post-session counselor questionnaire, counselors’ rating of the patient’s preparedness before the session was significantly higher for patients who viewed CREdIT prior to their appointments than for other patients. This novel educational tool fills a gap in HBOC education by tailoring information to women of lower literacy and diverse ethnic/racial backgrounds. The tool was well received by interview participants and counselors alike. Further study is needed to examine the varied effects of CREdIT on risk perception. In addition, the implementation of CREdIT in diverse clinical settings and the cultural adaptation of CREdIT to specific populations reflect important areas for future work. PMID:20490636

Understanding of diagnosis and medications among non-English-speaking older patients.

PubMed

Teo, Ken Gw; Tacey, Mark; Holbeach, Edwina

2018-01-28

To determine whether non-English-speaking background (NESB) patients had a poorer understanding of diagnosis and medications compared to English-speaking background (ESB) patients. English-speaking background and NESB patients admitted to inpatient geriatric evaluation and management (GEM) unit were asked standardised questions about their admission diagnosis, reason for GEM admission and medications. Accuracy of answers, as compared to medical notes, ranked as 'full credit', 'partial credit' or 'no credit'. Of the 66 patients recruited (30 NESB), understanding of diagnosis and purpose of GEM admission was good. There was no difference between ESB and NESB patients. Understanding of medications taken prior to admission was poor, with 67% of overall patients scoring 'no credit'. NESB patients were more likely to score 'no credit' compared to ESB (80% vs 56%, P = 0.036). Reassuringly, patients had a reasonable understanding of diagnosis and purpose of GEM admission. Lack of understanding of medications, especially among NESB patients, should be improved. © 2018 AJA Inc.

The influence of double-credit evidence-based continuing medical education on presenters and learners.

PubMed

Lawrence, Steven L; Morzinski, Jeffrey A; Radjenovich, Mary Ellen

2008-07-01

Medical specialties are adopting methods to improve continuing medical education (CME). A "double credit" option, sponsored by the American Academy of Family Physicians, is now available for presentations submitted and approved as evidence based (EB). To compare usual and double-credit CME presentations to determine differences in preparation resources and time, and to compare conference attendees' satisfaction. Those not submitting double-credit applications were asked about perceived barriers. Three pretested, written surveys were administered at a 2.5 day CME conference held annually in Southeastern Wisconsin. Subjects were 38 presenters and 172 attendees, mostly primary care physicians. Twelve presentations were approved for double-credit; these presenters used a greater percentage of on-line EB resources to prepare their talks (64% versus 23%), and preparation required an additional 4.75 hours on average. Over 90% of attendees perceived greater conference quality due to the EB emphasis. Top barriers to double-credit EB applications were time limits and perceptions that topics were inappropriate. Double-credit presenters use a greater percentage of EB resources, while their counterparts used more professional experience to prepare CME presentations. Attendees reported improved quality and value with increased EB CME. Time is a perceived and real factor in preparing double-credit applications.

Factors in the Determination of Cost Effective Class Sizes. Report No. 009-79.

ERIC Educational Resources Information Center

Woods, Nancy A.

A system to determine cost effectiveness of class size should be based on both budgeted and actual expenditures and credit hours at the individual course section level. These two factors, in combination, are often expressed as cost per credit hour, and this statistic forms the primary means of evaluating planned "inputs" against actual "outputs."…

Credit Recovery in a Virtual School: Affordances of Online Learning for the At-Risk Student

ERIC Educational Resources Information Center

Oliver, Kevin; Kellogg, Shaun

2015-01-01

This paper summarizes evaluation findings about a high school credit recovery (CR) program as solicited by a statesponsored virtual school in the United States. Student and teacher surveys explained why CR students failed previous instances of face-to-face courses and defined how the online CR model helped these learners overcome both internal…

5 CFR 337.101 - Rating applicants.

Code of Federal Regulations, 2012 CFR

2012-01-01

... factor in determining eligibility, OPM shall credit a preference eligible with: (1) Time spent in the military service (i) as an extension of time spent in the position in which he was employed immediately... military service, or (iii) as a combination of both methods. OPM shall credit time spent in the military...

5 CFR 337.101 - Rating applicants.

Code of Federal Regulations, 2014 CFR

2014-01-01

... factor in determining eligibility, OPM shall credit a preference eligible with: (1) Time spent in the military service (i) as an extension of time spent in the position in which he was employed immediately... military service, or (iii) as a combination of both methods. OPM shall credit time spent in the military...

5 CFR 337.101 - Rating applicants.

Code of Federal Regulations, 2013 CFR

2013-01-01

... factor in determining eligibility, OPM shall credit a preference eligible with: (1) Time spent in the military service (i) as an extension of time spent in the position in which he was employed immediately... military service, or (iii) as a combination of both methods. OPM shall credit time spent in the military...

5 CFR 337.101 - Rating applicants.

Code of Federal Regulations, 2011 CFR

2011-01-01

... factor in determining eligibility, OPM shall credit a preference eligible with: (1) Time spent in the military service (i) as an extension of time spent in the position in which he was employed immediately... military service, or (iii) as a combination of both methods. OPM shall credit time spent in the military...

5 CFR 337.101 - Rating applicants.

Code of Federal Regulations, 2010 CFR

2010-01-01

... factor in determining eligibility, OPM shall credit a preference eligible with: (1) Time spent in the military service (i) as an extension of time spent in the position in which he was employed immediately... military service, or (iii) as a combination of both methods. OPM shall credit time spent in the military...

12 CFR 704.2 - Definitions.

Code of Federal Regulations, 2012 CFR

2012-01-01

.... Adjusted trading means any method or transaction whereby a corporate credit union sells a security to a... securities, asset-backed securities, or corporate obligations in the form of loans or debt. Senior tranches... repurchase the same security at a specified time in the future. The corporate credit union then sells that...

Credit Building in IDA Programs: Early Findings of a Longitudinal Study

ERIC Educational Resources Information Center

Birkenmaier, Julie; Curley, Jami; Kelly, Patrick

2012-01-01

Objective: This article reports on the impact of the Individual Development Account (IDA) program on credit. Method: Using a convenience sample of IDA participants (N = 165), data were analyzed using paired sample "t" tests, independent sample "t" test, one-way analysis of variance, Mann-Whitney "U" Tests, and…

Satellite videoconferencing for healthcare workers: audience characteristics and the importance of continuing education credits.

PubMed

Chen, I L; Eckhardt, J N; Sinkowitz-Cochran, R L; Jarvis, W R

1999-11-01

To assess the opinions of healthcare workers (HCWs) about a satellite videoconference as a means of earning continuing education credit, a telephone survey was conducted in September 1998, 1 month after a live interactive satellite videoconference on antimicrobial use and resistance. There were 180 registered sites in 45 states surveyed, representing 1,589 viewers: 764 nurses (48.1%), 201 physicians (12.6%), and 624 other HCWs (39.3%). Continuing education credit was requested by 51% of nurses, 31% of physicians, and 27% of all other HCWs. Although preferred learning formats varied, 70% of respondents said it was important to offer continuing education credit. Furthermore, 31% of the respondents stated that the videoconference influenced institutional strategies. We concluded that satellite videoconferences are a method to reach audiences around the world efficiently and effectively, provide the latest information, facilitate interaction, and meet some of the demand for continuing education credit for HCWs.

13 CFR 304.4 - Performance evaluations.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 13 Business Credit and Assistance 1 2011-01-01 2011-01-01 false Performance evaluations. 304.4... ECONOMIC DEVELOPMENT DISTRICTS § 304.4 Performance evaluations. (a) EDA shall evaluate the management standards, financial accountability and program performance of each District Organization within three (3...

13 CFR 304.4 - Performance evaluations.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 13 Business Credit and Assistance 1 2014-01-01 2014-01-01 false Performance evaluations. 304.4... ECONOMIC DEVELOPMENT DISTRICTS § 304.4 Performance evaluations. (a) EDA shall evaluate the management standards, financial accountability and program performance of each District Organization within three (3...

13 CFR 304.4 - Performance evaluations.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 13 Business Credit and Assistance 1 2013-01-01 2013-01-01 false Performance evaluations. 304.4... ECONOMIC DEVELOPMENT DISTRICTS § 304.4 Performance evaluations. (a) EDA shall evaluate the management standards, financial accountability and program performance of each District Organization within three (3...

Measuring the coupled risks: A copula-based CVaR model

NASA Astrophysics Data System (ADS)

He, Xubiao; Gong, Pu

2009-01-01

Integrated risk management for financial institutions requires an approach for aggregating risk types (such as market and credit) whose distributional shapes vary considerably. The financial institutions often ignore risks' coupling influence so as to underestimate the financial risks. We constructed a copula-based Conditional Value-at-Risk (CVaR) model for market and credit risks. This technique allows us to incorporate realistic marginal distributions that capture essential empirical features of these risks, such as skewness and fat-tails while allowing for a rich dependence structure. Finally, the numerical simulation method is used to implement the model. Our results indicate that the coupled risks for the listed company's stock maybe are undervalued if credit risk is ignored, especially for the listed company with bad credit quality.

Maintenance of Certification Part 4 Credit and recruitment for practice-based research.

PubMed

Gorzkowski, Julie A; Klein, Jonathan D; Harris, Donna L; Kaseeska, Kristen R; Whitmore Shaefer, Regina M; Bocian, Alison B; Davis, James B; Gotlieb, Edward M; Wasserman, Richard C

2014-10-01

Competing priorities in pediatric practice have created challenges for practice-based research. To increase recruitment success, researchers must design studies that provide added value to participants. This study evaluates recruitment of pediatricians into a study, before and after the development and addition of a quality improvement (QI) curriculum approved for American Board of Pediatrics Maintenance of Certification (MOC) Part 4 Credit as an enrollment incentive. Researchers implemented multiple outreach methods to enroll pediatric practices over 28 months. Field note review revealed that many physicians declined enrollment, stating that they prioritized MOC Part 4 projects over research studies. A QI curriculum meeting standards for MOC Part 4 Credit was developed and added to the study protocol as an enrollment incentive. Enrollment rates and characteristics of practitioners enrolled pre- and post-MOC were compared. Pre-MOC enrollment contributed 48% of practices in 22 months; post-MOC enrollment contributed 49% of practices in 6 months. An average of 3.5 practices enrolled per month pre-MOC, compared with 13.1 per month post-MOC (P < .001). Clinicians in pre- and post-MOC groups were similar in age, gender, race, and time spent on patient care; practices enrolled post-MOC were more likely to be located in federally designated Medically Underserved Areas than those enrolled pre-MOC (28.6% vs 12%, P = .03). Addition of MOC Part 4 Credit increased recruitment success and increased enrollment of pediatricians working in underserved areas. Including QI initiatives meeting MOC Part 4 criteria in practice-based research protocols may enhance participation and aid in recruiting diverse practice and patient populations. Copyright © 2014 by the American Academy of Pediatrics.

A Comprehensive Review of Credit Instructional Programs Offered by Pasadena City Colleges, 1981-1982. Volume I. Summary Report.

ERIC Educational Resources Information Center

Carvell Education Managment Planning, Inc., Los Angeles, CA.

The first part of a report on a comprehensive review of the credit instructional programs offered by Pasadena City College (PCC), this volume provides a description of the evaluation procedures used, and a discussion of general issues that are major considerations for program improvement. Section I introduces the program review in terms of its…

Validity Study of U.T. Austin Test for Use in Credit by Examination in Introduction to Electronic Data Processing (DPA 310), Fall 1987.

ERIC Educational Resources Information Center

Appenzellar, Anne B.; Kelley, H. Paul

The Measurement and Evaluation Center of the University of Texas (Austin) conducted a validity study to assist the Department of Management Science and Information (DMSI) at the College of Business Administration in establishing a program of credit by examination for an introductory course in electronic data processing--Data Processing Analysis…

Sensing risk, fearing uncertainty: systems science approach to change

PubMed Central

Janecka, Ivo P.

2014-01-01

Background: Medicine devotes its primary focus to understanding change, from cells to network relationships; observations of non-linearity are inescapable. Recent events provide extraordinary examples of major non-linear surprises within the societal system: human genome-from anticipated 100,000+ genes to only 20,000+; junk DNA-initially ignored but now proven to control genetic processes; economic reversals-bursting of bubbles in technology, housing, finance; foreign wars; relentless rise in obesity, neurodegenerative diseases. There are two attributes of systems science that are especially relevant to this research: One—it offers a method for creating a structural context with a guiding path to pragmatic knowledge; and, two—it gives pre-eminence to sensory input capable to register, evaluate, and react to change. Materials/Methods: Public domain records of change, during the last 50 years, have been studied in the context of systems science, the dynamic systems model, and various cycles. Results/Conclusions: Change is dynamic, ever-present, never isolated, and of variable impact; it reflects innumerable relationships among contextual systems; change can be perceived as risk or uncertainty depending upon how the assessment is made; risk is quantifiable by sensory input and generates a degree of rational optimism; uncertainty is not quantifiable and evokes fear; trust is key to sharing risk; the measurable financial credit can be a proxy for societal trust; expanding credit dilutes trust; when a credit bubble bursts, so will trust; absence of trust paralyzes systems' relationships leading to disorganized complexity which prevents value creation and heightens the probability of random events; disappearance of value, accompanied by chaos, threatens all systems. From personal health to economic sustainability and collective rationality, most examined components of the societal system were found not to be optimized and trust was not in evidence. PMID:24744723

Using R and WinBUGS to fit a Generalized Partial Credit Model for developing and evaluating patient-reported outcomes assessments

PubMed Central

Li, Yuelin; Baser, Ray

2013-01-01

The US Food and Drug Administration recently announced the final guidelines on the development and validation of Patient-Reported Outcomes (PROs) assessments in drug labeling and clinical trials. This guidance paper may boost the demand for new PRO survey questionnaires. Henceforth biostatisticians may encounter psychometric methods more frequently, particularly Item Response Theory (IRT) models to guide the shortening of a PRO assessment instrument. This article aims to provide an introduction on the theory and practical analytic skills in fitting a Generalized Partial Credit Model in IRT (GPCM). GPCM theory is explained first, with special attention to a clearer exposition of the formal mathematics than what is typically available in the psychometric literature. Then a worked example is presented, using self-reported responses taken from the International Personality Item Pool. The worked example contains step-by-step guides on using the statistical languages R and WinBUGS in fitting the GPCM. Finally, the Fisher information function of the GPCM model is derived and used to evaluate, as an illustrative example, the usefulness of assessment items by their information contents. This article aims to encourage biostatisticians to apply IRT models in the re-analysis of existing data and in future research. PMID:22362655

Using R and WinBUGS to fit a generalized partial credit model for developing and evaluating patient-reported outcomes assessments.

PubMed

Li, Yuelin; Baser, Ray

2012-08-15

The US Food and Drug Administration recently announced the final guidelines on the development and validation of patient-reported outcomes (PROs) assessments in drug labeling and clinical trials. This guidance paper may boost the demand for new PRO survey questionnaires. Henceforth, biostatisticians may encounter psychometric methods more frequently, particularly item response theory (IRT) models to guide the shortening of a PRO assessment instrument. This article aims to provide an introduction on the theory and practical analytic skills in fitting a generalized partial credit model (GPCM) in IRT. GPCM theory is explained first, with special attention to a clearer exposition of the formal mathematics than what is typically available in the psychometric literature. Then, a worked example is presented, using self-reported responses taken from the international personality item pool. The worked example contains step-by-step guides on using the statistical languages r and WinBUGS in fitting the GPCM. Finally, the Fisher information function of the GPCM model is derived and used to evaluate, as an illustrative example, the usefulness of assessment items by their information contents. This article aims to encourage biostatisticians to apply IRT models in the re-analysis of existing data and in future research. Copyright © 2012 John Wiley & Sons, Ltd.

Deciphering indented impressions on plastic.

PubMed

Brown, Sharon; Klein, Asne; Chaikovsky, Alan

2003-07-01

The questioned document laboratory is often called upon to decipher writing that has been erased, obliterated, or that has faded. In cases like these, the original writing is no longer legible to the naked eye, but may be enhanced using various light sources. Certain remnants of the ink's components absorb into the substrate's fibers and can be visualized, usually as luminescence or absorbance. A case is described here that involved the theft of a credit card. An empty plastic credit card holder was found in the possession of a suspect, and as submitted for examination. Indented impressions could be discerned on its clear plastic window and presumably originated from the credit card that had been held in the envelope. These indented impressions were deciphered in the hope that they would reveal enough details from the credit card to establish a connection between the plastic envelope and the stolen credit card. With methods generally utilized in the toolmarks and materials laboratory and the photography laboratory of the Israel Police, most of the indented impressions on the plastic were deciphered and a connection between the plastic envelope and the stolen credit card was demonstrated.

Extending Marketplace Tax Credits Would Make Coverage More Affordable for Middle-Income Adults.

PubMed

Liu, Jodi; Eiber, Christine

2017-07-01

ISSUE: Affordability of health coverage is a growing challenge for Americans facing rising premiums, deductibles, and copayments. The Affordable Care Act's tax credits make marketplace insurance more affordable for eligible lower-income individuals. However, individuals lose tax credits when their income exceeds 400 percent of the federal poverty level, creating a steep cliff. GOALS: To analyze the effects of extending eligibility for tax credits to individuals with incomes above 400 percent of the federal poverty level. METHODS: We used RAND's COMPARE microsimulation model to examine changes in insurance coverage and health care spending. KEY FINDINGS AND CONCLUSIONS: Extending tax-credit eligibility increases insurance enrollment by 1.2 million, at a total federal cost of $6.0 billion. Those who would benefit from the tax-credit extension are mostly middle-income adults ages 50 to 64. These new enrollees would be healthier than current enrollees their age, which would improve the risk pool and lower premiums. Eliminating the cliff at 400 percent of the federal poverty level is one policy option that may be considered to increase affordability of insurance.

Subsidizing Private Education at Taxpayer Expense. Policy Brief

ERIC Educational Resources Information Center

National Education Association, 2017

2017-01-01

Efforts to subsidize private education take a variety of forms, with the most familiar being the private school voucher provided directly to parents. But there are other less direct ways governments subsidize private schools. One such method is to provide a tax credit to parents to offset their personal education expenses (education tax credit).…

The Futility of Propensity Score Methods in a Statewide Study of International Baccalaureate (IB)

ERIC Educational Resources Information Center

May, Henry; Rodriguez, Awilda; Sirinides, Philip M.; Perna, Laura W.; Yee, April; Ransom, Tafaya

2014-01-01

With the goal of increasing students' academic readiness for college, high schools in the United States are increasingly offering "credit-based transition programs," including International Baccalaureate (IB), Advanced Placement (AP), and dual enrollment. Existing research points to the promise of IB, AP, and other credit-based…

CO2 and H2O: Understanding Different Stakeholder Perspectives on the Use of Carbon Credits to Finance Household Water Treatment Projects.

PubMed

Summers, Sarah K; Rainey, Rochelle; Kaur, Maneet; Graham, Jay P

2015-01-01

Carbon credits are an increasingly prevalent market-based mechanism used to subsidize household water treatment technologies (HWT). This involves generating credits through the reduction of carbon emissions from boiling water by providing a technology that reduces greenhouse gas emissions linked to climate change. Proponents claim this process delivers health and environmental benefits by providing clean drinking water and reducing greenhouse gases. Selling carbon credits associated with HWT projects requires rigorous monitoring to ensure households are using the HWT and achieving the desired benefits of the device. Critics have suggested that the technologies provide neither the benefits of clean water nor reduced emissions. This study explores the perspectives of carbon credit and water, sanitation and hygiene (WASH) experts on HWT carbon credit projects. Thirteen semi-structured, in-depth interviews were conducted with key informants from the WASH and carbon credit development sectors. The interviews explored perceptions of the two groups with respect to the procedures applied in the Gold Standard methodology for trading Voluntary Emission Reduction (VER) credits. Agreement among the WASH and carbon credit experts existed for the concept of suppressed demand and parameters in the baseline water boiling test. Key differences, however, existed. WASH experts' responses highlighted a focus on objectively verifiable data for monitoring carbon projects while carbon credit experts called for contextualizing observed data with the need for flexibility and balancing financial viability with quality assurance. Carbon credit projects have the potential to become an important financing mechanism for clean energy in low- and middle-income countries. Based on this research we recommend that more effort be placed on building consensus on the underlying assumptions for obtaining carbon credits from HWT projects, as well as the approved methods for monitoring correct and consistent use of the HWT technologies in order to support public health impacts.

13 CFR 108.360 - Evaluation criteria.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 13 Business Credit and Assistance 1 2011-01-01 2011-01-01 false Evaluation criteria. 108.360... (âNMVCâ) PROGRAM Evaluation and Selection of NMVC Companies § 108.360 Evaluation criteria. SBA will... criteria— (a) The quality of the Applicant's comprehensive business plan in terms of meeting the objectives...

The Effects of Low Income Housing Tax Credit Developments on Neighborhoods.

PubMed

Baum-Snow, Nathaniel; Marion, Justin

2009-06-01

This paper evaluates the impacts of new housing developments funded with the Low Income Housing Tax Credit (LIHTC), the largest federal project based housing program in the U.S., on the neighborhoods in which they are built. A discontinuity in the formula determining the magnitude of tax credits as a function of neighborhood characteristics generates pseudo-random assignment in the number of low income housing units built in similar sets of census tracts. Tracts where projects are awarded 30 percent higher tax credits receive approximately six more low income housing units on a base of seven units per tract. These additional new low income developments cause homeowner turnover to rise, raise property values in declining areas and reduce incomes in gentrifying areas in neighborhoods near the 30th percentile of the income distribution. LIHTC units significantly crowd out nearby new rental construction in gentrifying areas but do not displace new construction in stable or declining areas.

A Program Evaluation of a Credit Recovery Program to Improve Graduation Rates for At-Risk High School Students

ERIC Educational Resources Information Center

Parks, David R.

2011-01-01

Research has shown that low graduation rates are a problem in high schools across the United States. The problem is significant at a small, inner-city charter high school in a southwestern US state that had a 2008 graduation rate of 34%. After assessing the situation, educators at this school developed the Credit Retrieval Program (CRP) to help…

Guide to the Evaluation of Educational Experiences in the Armed Services. The 1978 Guide. 3: Coast Guard, Marine Corps, Navy.

ERIC Educational Resources Information Center

American Council on Education, Washington, DC. Office on Educational Credit.

Postsecondary educational credit recommendations for formal courses offered by the Coast Guard, the Marine Corps, the Navy, and the Department of Defense are provided in this third of a three-volume set. (Other volumes cover courses offered by the Army and by the Air Force. See note.) Also included are credit recommendations for Navy general rates…

Evaluation Team Dynamics: Intragroup Ethical Challenges

ERIC Educational Resources Information Center

Urias, David

2009-01-01

Ethical challenges associated with the relationships among members of an evaluative team/organization receive less attention. Examples of the kinds of ethical dilemmas that could occur within an evaluation team include an individual taking undeserved credit, transferring blame, making false promises, withholding information, breaching…

13 CFR 306.7 - Performance evaluations of University Centers.

Code of Federal Regulations, 2013 CFR

2013-01-01

... University Centers. 306.7 Section 306.7 Business Credit and Assistance ECONOMIC DEVELOPMENT ADMINISTRATION, DEPARTMENT OF COMMERCE TRAINING, RESEARCH AND TECHNICAL ASSISTANCE INVESTMENTS University Center Economic Development Program § 306.7 Performance evaluations of University Centers. (a) EDA will: (1) Evaluate each...

13 CFR 306.7 - Performance evaluations of University Centers.

Code of Federal Regulations, 2011 CFR

2011-01-01

... University Centers. 306.7 Section 306.7 Business Credit and Assistance ECONOMIC DEVELOPMENT ADMINISTRATION, DEPARTMENT OF COMMERCE TRAINING, RESEARCH AND TECHNICAL ASSISTANCE INVESTMENTS University Center Economic Development Program § 306.7 Performance evaluations of University Centers. (a) EDA will: (1) Evaluate each...

13 CFR 306.7 - Performance evaluations of University Centers.

Code of Federal Regulations, 2012 CFR

2012-01-01

... University Centers. 306.7 Section 306.7 Business Credit and Assistance ECONOMIC DEVELOPMENT ADMINISTRATION, DEPARTMENT OF COMMERCE TRAINING, RESEARCH AND TECHNICAL ASSISTANCE INVESTMENTS University Center Economic Development Program § 306.7 Performance evaluations of University Centers. (a) EDA will: (1) Evaluate each...

13 CFR 306.7 - Performance evaluations of University Centers.

Code of Federal Regulations, 2014 CFR

2014-01-01

... University Centers. 306.7 Section 306.7 Business Credit and Assistance ECONOMIC DEVELOPMENT ADMINISTRATION, DEPARTMENT OF COMMERCE TRAINING, RESEARCH AND TECHNICAL ASSISTANCE INVESTMENTS University Center Economic Development Program § 306.7 Performance evaluations of University Centers. (a) EDA will: (1) Evaluate each...

Ethics competences in the undergraduate medical education curriculum: the Spanish experience

PubMed Central

Ferreira-Padilla, Guillermo; Ferrández-Antón, Teresa; Lolas-Stepke, Fernando; Almeida-Cabrera, Rut; Brunet, Joan; Bosch-Barrera, Joaquim

2016-01-01

Aim To investigate if there are differences in medical ethics education between different schools of medicine in Spain, specifically between private and public schools and between recently founded schools and older ones. Method The curricula of medical degrees from all Spanish faculties were reviewed for the 2014/2015 academic year, identifying subjects concerning bioethics, deontology, and ethics. We identified the type of teaching, format and method of the course, the number of credits and hours, and the school year of each subject. An analysis with descriptive parameters and the Cohen’s coefficient (d) was performed. Results All medical schools in Spain (n = 44) were included. A mean of 3.64 European Credit Transfer and Accumulation System (ECTS) credits was specifically devoted to ethical values teaching in Spain. Private medical schools offered more credits than public ones (6.51 ECTS vs 2.88 ECTS, relevant difference: d = 2.06>>0.8), and the 10 most recently founded medical schools offered more credits than the 10 oldest (5.86 ECTS vs 2.63 ECTS, relevant difference: d = 1.43 > 0.8). A mean of 36.75 hours was dedicated to ethics education. Conclusions Although ethics education is incorporated into the training of future Spanish physicians, there is still notable heterogeneity between different medical schools in the time devoted to this topic. PMID:27815940

Parent Ratings of ADHD Symptoms: Generalized Partial Credit Model Analysis of Differential Item Functioning across Gender

ERIC Educational Resources Information Center

Gomez, Rapson

2012-01-01

Objective: Generalized partial credit model, which is based on item response theory (IRT), was used to test differential item functioning (DIF) for the "Diagnostic and Statistical Manual of Mental Disorders" (4th ed.), inattention (IA), and hyperactivity/impulsivity (HI) symptoms across boys and girls. Method: To accomplish this, parents completed…

Methods for Assessing Item, Step, and Threshold Invariance in Polytomous Items Following the Partial Credit Model

ERIC Educational Resources Information Center

Penfield, Randall D.; Myers, Nicholas D.; Wolfe, Edward W.

2008-01-01

Measurement invariance in the partial credit model (PCM) can be conceptualized in several different but compatible ways. In this article the authors distinguish between three forms of measurement invariance in the PCM: step invariance, item invariance, and threshold invariance. Approaches for modeling these three forms of invariance are proposed,…

Expanding the Reach of Dual-Enrollment Programs

ERIC Educational Resources Information Center

Bailey, Thomas; Karp, Melinda Mechur

2005-01-01

Dual-enrollment programs, which allow high school students to enroll in college courses and earn college and high school credit simultaneously, are one method to introduce students to the idea of college and to its academic and social demands. The college credits that high school students potentially can earn also tend to be free or low-cost--a…

Contingent feasibility for forest carbon credit: evidence from South Korean firms.

PubMed

Roh, TaeWoo; Koo, Ja-Choon; Cho, Dong-Sung; Youn, Yeo-Chang

2014-11-01

Under the Kyoto Protocol, a global governmental response to climate change, protocol signatories make an effort to cut their greenhouse gas emissions. South Korea is not included in the list of Annex I countries; yet, South Korea is the seventh highest emitter of CO2. The South Korean government has enacted various institutional policies to encourage greenhouse gas reductions. While previous studies have focused on the guidance that reflects the stance of suppliers in the carbon market, this study focuses on South Korean firms' actual demand for forest carbon credits. By applying the contingent valuation method, we estimated domestic firms' willingness to pay for forest carbon credits. We then applied a rank-ordered logistic regression to confirm whether the rank of forest carbon credits, as compared to any other carbon credit, is influenced by a firm's characteristics. The results showed that Korean firms are willing to pay 5.45 USD/tCO2 and 7.77 USD/tCO2 for forest carbon credits in domestic and overseas forest carbon projects, respectively. Therefore, the introduction of forest carbon credits in the Korean carbon market seems reasonable. Analysis of the priority rankings of forest carbon credits, however, demonstrated that forestry projects were least likely to be ranked by firms as their first priority. Although relative preferences for forest carbon credits were influenced by individual firms' characteristics such as prior experience of environmental CSR related activities and whether the firm established an emissions reduction plan, the impact of perceived behavior control, whether the firm was included in the emissions target management scheme on forest carbon credits was negligible. Therefore, forest carbon credits are not a feasible solution without strong government support or institutional instruments. The results of this study are expected to provide policy makers with realistic approaches to formulate climatic change-related policies. Copyright © 2014 Elsevier Ltd. All rights reserved.

Cumulative receipt of an anti-poverty tax credit for families did not impact tobacco smoking among parents.

PubMed

Pega, Frank; Gilsanz, Paola; Kawachi, Ichiro; Wilson, Nick; Blakely, Tony

2017-04-01

The effect of anti-poverty tax credit interventions on tobacco consumption is unclear. Previous studies have estimated short-term effects, did not isolate the effects of cumulative dose of tax credits, produced conflicting results, and used methods with limited control for some time-varying confounders (e.g., those affected by prior treatment) and treatment regimen (i.e., study participants' tax credit receipt pattern over time). We estimated the longer-term, cumulative effect of New Zealand's Family Tax Credit (FTC) on tobacco consumption, using a natural experiment (administrative errors leading to exogenous variation in FTC receipt) and methods specifically for controlling confounding, reverse causation, and treatment regimen. We extracted seven waves (2002-2009) of the nationally representative Survey of Family, Income and Employment including 4404 working-age (18-65 years) parents in families. The exposure was the total numbers of years of receiving FTC. The outcomes were regular smoking and the average daily number of cigarettes usually smoked at wave 7. We estimated average treatment effects using inverse probability of treatment weighting and marginal structural modelling. Each additional year of receiving FTC affected neither the odds of regular tobacco smoking among all parents (odds ratio 1.02, 95% confidence interval 0.94-1.11), nor the number of cigarettes smoked among parents who smoked regularly (rate ratio 1.01, 95% confidence interval 0.99-1.03). We found no evidence for an association between the cumulative number of years of receiving an anti-poverty tax credit and tobacco smoking or consumption among parents. The assumptions of marginal structural modelling are quite demanding, and we therefore cannot rule out residual confounding. Nonetheless, our results suggest that tax credit programme participation will not increase tobacco consumption among poor parents, at least in this high-income country. Copyright © 2017 Elsevier Ltd. All rights reserved.

Is there an agreement among the items of the Korean physical therapist licensing examination, learning objectives of class subjects, and physical therapists' job descriptions?

PubMed

Kang, Min-Hyeok; Kwon, Oh-Yun; Kim, Yong-Wook; Kim, Ji-Won; Kim, Tae-Ho; Oh, Tae-Young; Weon, Jong-Hyuk; Lee, Tae-Sik; Oh, Jae-Seop

2016-01-01

To determine the agreement among the items of the Korean physical therapist licensing examination, learning objectives of class subjects, and physical therapists' job descriptions. The main tasks of physical therapists were classified, and university courses related to the main tasks were also classified. Frequency analysis was used to determine the proportions of credits for the classified courses out of the total credits of major subjects, exam items related to the classified courses out of the total number of exam items, and universities that offer courses related to the Korean physical therapist licensing examination among the surveyed universities. The proportions of credits for clinical decision making and physical therapy diagnosis-related courses out of the total number credits for major subjects at universities were relatively low (2.06% and 2.58%, respectively). Although the main tasks of physical therapists are related to diagnosis and evaluation, the proportion of physiotherapy intervention-related items (35%) was higher than that of examination and evaluation-related items (25%) on the Korean physical therapist licensing examination. The percentages of universities that offer physical therapy diagnosis and clinical decision making-related courses were 58.62% and 68.97%, respectively. Both the proportion of physiotherapy diagnosis and evaluation-related items on the Korean physical therapist licensing examination, and the number of subjects related to clinical decision making and physical therapy diagnosis in the physical therapy curriculum, should be increased to ensure that the examination items and physical therapy curriculum reflect the practical tasks of physical therapists.

Effective model development of internal auditors in the village financial institution

NASA Astrophysics Data System (ADS)

Arsana, I. M. M.; Sugiarta, I. N.

2018-01-01

Designing an effective audit system is complex and challenging, and a focus on examining how internal audit drive improvement in three core performance dimensions ethicality, efficiency, and effectiveness in organization is needed. The problem of research is how the desain model and peripheral of supporter of effective supervation Village Credit Institution? Research of objectives is yielding the desain model and peripheral of supporter of effective supervation Village Credit Institution. Method Research use data collecting technique interview, observation and enquette. Data analysis, data qualitative before analysed to be turned into quantitative data in the form of scale. Each variable made to become five classificat pursuant to scale of likert. Data analysed descriptively to find supervation level, Structural Equation Model (SEM) to find internal and eksternal factor. So that desain model supervation with descriptive analysis. Result of research desain model and peripheral of supporter of effective supervation Village Credit Institution. The conclusion desain model supported by three sub system: sub system institute yield body supervisor of Village Credit Institution, sub system standardization and working procedure yield standard operating procedure supervisor of Village Credit Institution, sub system education and training yield supervisor professional of Village Credit Institution.

A Structural Evaluation of a Large-Scale Quasi-Experimental Microfinance Initiative

PubMed Central

Kaboski, Joseph P.; Townsend, Robert M.

2010-01-01

This paper uses a structural model to understand, predict, and evaluate the impact of an exogenous microcredit intervention program, the Thai Million Baht Village Fund program. We model household decisions in the face of borrowing constraints, income uncertainty, and high-yield indivisible investment opportunities. After estimation of parameters using pre-program data, we evaluate the model’s ability to predict and interpret the impact of the village fund intervention. Simulations from the model mirror the data in yielding a greater increase in consumption than credit, which is interpreted as evidence of credit constraints. A cost-benefit analysis using the model indicates that some households value the program much more than its per household cost, but overall the program costs 20 percent more than the sum of these benefits. PMID:22162594

A Structural Evaluation of a Large-Scale Quasi-Experimental Microfinance Initiative.

PubMed

Kaboski, Joseph P; Townsend, Robert M

2011-09-01

This paper uses a structural model to understand, predict, and evaluate the impact of an exogenous microcredit intervention program, the Thai Million Baht Village Fund program. We model household decisions in the face of borrowing constraints, income uncertainty, and high-yield indivisible investment opportunities. After estimation of parameters using pre-program data, we evaluate the model's ability to predict and interpret the impact of the village fund intervention. Simulations from the model mirror the data in yielding a greater increase in consumption than credit, which is interpreted as evidence of credit constraints. A cost-benefit analysis using the model indicates that some households value the program much more than its per household cost, but overall the program costs 20 percent more than the sum of these benefits.

Evaluation tools for undergraduate program planning in times of financial austerity.

PubMed

O'Palka, J; Harris, P R

1990-05-01

This article describes the administration and outcome of two evaluation tools developed by faculty of the dietetic program for ongoing assessment of a Plan IV dietetic education program over a 4-year period. Interns and internship directors were asked to evaluate the level of skills and knowledge base of interns compared with their internship classmates. Interns were also asked to rate the effectiveness of undergraduate course assignments and activities for internship preparation. As a result of the surveys, the home economics core course work was deleted, credits were shifted from food science to nutrient metabolism courses, and credits in clinical nutrition were increased. Projects in clinical nutrition and food systems management were modified. The surveys justified program requirements and utilization of resources, and provided an additional, effective measure of faculty competence.

Credit WCT. Original 21/4"x21/4" color negative is housed in the ...

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

Credit WCT. Original 2-1/4"x2-1/4" color negative is housed in the JPL Photography Laboratory, Pasadena, California. JPL staff member Leonard "Dutch" Sebring loads propellant grain into tube for a BATES (Ballistic And Test Evaluation System) test (JPL negative no. JPL-10279BC, 27 January 1989) - Jet Propulsion Laboratory Edwards Facility, Weigh & Test Preparation Building, Edwards Air Force Base, Boron, Kern County, CA

Research productivity in select psychology journals, 1986-2008.

PubMed

Mahoney, Kevin T; Buboltz, Walter C; Calvert, Barbara; Hoffmann, Rebecca

2010-01-01

Examination of research productivity has a long history in psychology. Journals across psychology have periodically published research-productivity studies. An analysis of institutional research productivity was conducted for 17 journals published by the American Psychological Association for the years 1986-2008. This analysis implemented two methodologies: one a replication and extension of G. S. Howard, D. A. Cole, and S. E. Maxwell's (1987) method, the other a new method designed to give credit to psychology departments rather than only overall institutions. A system of proportional credit assured all articles with multiple institutions received credit. Results show that for the 23-year period, the University of Illinois at Urbana-Champaign was ranked 1st, followed by the University of California, Los Angeles, and the University of Michigan, Ann Arbor. Overall, results showed both consistency and change across all journals examined. The authors explore the implications of these findings in the context of the current academic environment.

26 CFR 301.9100-21 - References to other temporary elections under various tax acts.

Code of Federal Regulations, 2010 CFR

2010-04-01

... of 1981. 7.48-1 Election to have investment credit for movie and television films determined in... method of determining investment credit for movie and television films placed in service in a taxable... amendments made by sections 804 (a) and (b) of the Tax Reform Act of 1976 to property described in section 50...

Microcredit, family planning programs, and contraceptive behavior: evidence from a field experiment in Ethiopia.

PubMed

Desai, Jaikishan; Tarozzi, Alessandro

2011-05-01

The impact of community-based family planning programs and access to credit on contraceptive use, fertility, and family size preferences has not been established conclusively in the literature. We provide additional evidence on the possible effect of such programs by describing the results of a randomized field experiment whose main purpose was to increase the use of contraceptive methods in rural areas of Ethiopia. In the experiment, administrative areas were randomly allocated to one of three intervention groups or to a fourth control group. In the first intervention group, both credit and family planning services were provided and the credit officers also provided information on family planning. Only credit or family planning services, but not both, were provided in the other two intervention groups, while areas in the control group received neither type of service. Using pre- and post-intervention surveys, we find that neither type of program, combined or in isolation, led to an increase in contraceptive use that is significantly greater than that observed in the control group. We conjecture that the lack of impact has much to do with the mismatch between women's preferred contraceptive method (injectibles) and the contraceptives provided by community-based agents (pills and condoms).

Peer-to-Peer JXTA Architecture for Continuing Mobile Medical Education Incorporated in Rural Public Health Centers.

PubMed

Rajasekaran, Rajkumar; Iyengar, Nallani Chackravatula Sriman Narayana

2013-04-01

Mobile technology helps to improve continuing medical education; this includes all aspects of public health care as well as keeping one's knowledge up-to-date. The program of continuing medical and health education is intertwined with mobile health technology, which forms an imperative component of national strategies in health. Continuing mobile medical education (CMME) programs are designed to ensure that all medical and health-care professionals stay up-to-date with the knowledge required through mobile JXTA to appraise modernized strategies so as to achieve national goals of health-care information distribution. In this study, a 20-item questionnaire was distributed to 280 health professionals practicing traditional training learning methodologies (180 nurses, 60 doctors, and 40 health inspectors) in 25 rural hospitals. Among the 83% respondents, 56% are eager to take new learning methodologies as part of their evaluation, which is considered for promotion to higher grades, increments, or as part of their work-related activities. The proposed model was executed in five public health centers in which nurses and health inspectors registered in the JXTA network were referred to the record peer group by administrators. A mobile training program on immunization was conducted through the ADVT, with the lectures delivered on their mobiles. Credits are given after taking the course and completing an evaluation test. The system is faster compared with traditional learning. Medical knowledge management and mobile-streaming application support the CMME system through JXTA. The mobile system includes online lectures and practice quizzes, as well as assignments and interactions with health professionals. Evaluation and assessments are done online and credits certificates are provided based on the score the student obtains. The acceptance of mobile JXTA peer-to-peer learning has created a drastic change in learning methods among rural health professionals. The professionals undergo training and should pass an exam in order to obtain the credits. The system is controlled and monitored by the administrator peer group, which makes it more flexible and structured. Compared with traditional learning system, enhanced study improves cloud-based mobile medical education technology.

Preliminary design report: Babcock and Wilcox BR-100 100-ton rail/barge spent fuel shipping cask

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

None

1990-02-01

The purpose of this document is to provide information on burnup credit as applied to the preliminary design of the BR-100 shipping cask. There is a brief description of the preliminary basket design and the features used to maintain a critically safe system. Following the basket description is a discussion of various criticality analyses used to evaluate burnup credit. The results from these analyses are then reviewed in the perspective of fuel burnups expected to be shipped to either the final repository or a Monitored Retrievable Storage (MRS) facility. The hurdles to employing burnup credit in the certification of anymore » cask are then outlines and reviewed. the last section gives conclusions reached as to burnup credit for the BR-100 cask, based on our analyses and experience. All information in this study refers to the cask configured to transport PWR fuel. Boiling Water Reactor (BWR) fuel satisfies the criticality requirements so that burnup credit is not needed. All calculations generated in the preparation of this report were based upon the preliminary design which will be optimized during the final design. 8 refs., 19 figs., 16 tabs.« less

12 CFR 202.6 - Rules concerning evaluation of applications.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Rules concerning evaluation of applications... SYSTEM EQUAL CREDIT OPPORTUNITY ACT (REGULATION B) § 202.6 Rules concerning evaluation of applications. (a) General rule concerning use of information. Except as otherwise provided in the Act and this...

Near-term deployment of carbon capture and sequestration from biorefineries in the United States.

PubMed

Sanchez, Daniel L; Johnson, Nils; McCoy, Sean T; Turner, Peter A; Mach, Katharine J

2018-05-08

Capture and permanent geologic sequestration of biogenic CO 2 emissions may provide critical flexibility in ambitious climate change mitigation. However, most bioenergy with carbon capture and sequestration (BECCS) technologies are technically immature or commercially unavailable. Here, we evaluate low-cost, commercially ready CO 2 capture opportunities for existing ethanol biorefineries in the United States. The analysis combines process engineering, spatial optimization, and lifecycle assessment to consider the technical, economic, and institutional feasibility of near-term carbon capture and sequestration (CCS). Our modeling framework evaluates least cost source-sink relationships and aggregation opportunities for pipeline transport, which can cost-effectively transport small CO 2 volumes to suitable sequestration sites; 216 existing US biorefineries emit 45 Mt CO 2 annually from fermentation, of which 60% could be captured and compressed for pipeline transport for under $25/tCO 2 A sequestration credit, analogous to existing CCS tax credits, of $60/tCO 2 could incent 30 Mt of sequestration and 6,900 km of pipeline infrastructure across the United States. Similarly, a carbon abatement credit, analogous to existing tradeable CO 2 credits, of $90/tCO 2 can incent 38 Mt of abatement. Aggregation of CO 2 sources enables cost-effective long-distance pipeline transport to distant sequestration sites. Financial incentives under the low-carbon fuel standard in California and recent revisions to existing federal tax credits suggest a substantial near-term opportunity to permanently sequester biogenic CO 2 This financial opportunity could catalyze the growth of carbon capture, transport, and sequestration; improve the lifecycle impacts of conventional biofuels; support development of carbon-negative fuels; and help fulfill the mandates of low-carbon fuel policies across the United States. Copyright © 2018 the Author(s). Published by PNAS.

Military- and Sports-Related Mild Traumatic Brain Injury: Clinical Presentation, Management, and Long-Term Consequences

PubMed Central

Peskind, Elaine R.; Brody, David; Cernak, Ibolja; McKee, Ann; Ruff, Robert L.

2018-01-01

CME Background Articles are selected for credit designation based on an assessment of the educational needs of CME participants, with the purpose of providing readers with a curriculum of CME articles on a variety of topics throughout each volume. Activities are planned using a process that links identified needs with desired results. Participants may receive credit by reading the article, correctly answering at least 70% of the questions in the Posttest, and completing the Evaluation. The Posttest and Evaluation are now available online only at PSYCHIATRIST.COM (Keyword: February). CME Objective After studying the Commentary by Peskind et al, you should be able to: Screen patients who have experienced an event resulting in head injury for mild traumatic brain injury (mTBI) Treat mTBI according to the current guidelines for assessing and managing concussions and mTBI Accreditation Statement The CME Institute of Physicians Postgraduate Press, Inc., is accredited by the Accreditation Council for Continuing Medical Education to provide continuing medical education for physicians. Credit Designation The CME Institute of Physicians Postgraduate Press, Inc., designates this journal-based CME activity for a maximum of 1 AMA PRA Category 1 Credit™. Physicians should claim only the credit commensurate with the extent of their participation in the activity. Note The American Academy of Physician Assistants (AAPA) accepts certificates of participation for educational activities certified for AMA PRA Category 1 Credit™ from organizations accredited by ACCME or a recognized state medical society. Physician assistants may receive a maximum of 1 hour of Category I credit for completing this program. Date of Original Release/Review This educational activity is eligible for AMA PRA Category 1 Credit™ through February 29, 2016. The latest review of this material was January 2013. PMID:23473351

Near-term deployment of carbon capture and sequestration from biorefineries in the United States

PubMed Central

Johnson, Nils; McCoy, Sean T.; Turner, Peter A.; Mach, Katharine J.

2018-01-01

Capture and permanent geologic sequestration of biogenic CO2 emissions may provide critical flexibility in ambitious climate change mitigation. However, most bioenergy with carbon capture and sequestration (BECCS) technologies are technically immature or commercially unavailable. Here, we evaluate low-cost, commercially ready CO2 capture opportunities for existing ethanol biorefineries in the United States. The analysis combines process engineering, spatial optimization, and lifecycle assessment to consider the technical, economic, and institutional feasibility of near-term carbon capture and sequestration (CCS). Our modeling framework evaluates least cost source–sink relationships and aggregation opportunities for pipeline transport, which can cost-effectively transport small CO2 volumes to suitable sequestration sites; 216 existing US biorefineries emit 45 Mt CO2 annually from fermentation, of which 60% could be captured and compressed for pipeline transport for under $25/tCO2. A sequestration credit, analogous to existing CCS tax credits, of $60/tCO2 could incent 30 Mt of sequestration and 6,900 km of pipeline infrastructure across the United States. Similarly, a carbon abatement credit, analogous to existing tradeable CO2 credits, of $90/tCO2 can incent 38 Mt of abatement. Aggregation of CO2 sources enables cost-effective long-distance pipeline transport to distant sequestration sites. Financial incentives under the low-carbon fuel standard in California and recent revisions to existing federal tax credits suggest a substantial near-term opportunity to permanently sequester biogenic CO2. This financial opportunity could catalyze the growth of carbon capture, transport, and sequestration; improve the lifecycle impacts of conventional biofuels; support development of carbon-negative fuels; and help fulfill the mandates of low-carbon fuel policies across the United States. PMID:29686063

The Effects of Low Income Housing Tax Credit Developments on Neighborhoods

PubMed Central

Baum-Snow, Nathaniel; Marion, Justin

2013-01-01

This paper evaluates the impacts of new housing developments funded with the Low Income Housing Tax Credit (LIHTC), the largest federal project based housing program in the U.S., on the neighborhoods in which they are built. A discontinuity in the formula determining the magnitude of tax credits as a function of neighborhood characteristics generates pseudo-random assignment in the number of low income housing units built in similar sets of census tracts. Tracts where projects are awarded 30 percent higher tax credits receive approximately six more low income housing units on a base of seven units per tract. These additional new low income developments cause homeowner turnover to rise, raise property values in declining areas and reduce incomes in gentrifying areas in neighborhoods near the 30th percentile of the income distribution. LIHTC units significantly crowd out nearby new rental construction in gentrifying areas but do not displace new construction in stable or declining areas. PMID:24235779

A Two-Layer Least Squares Support Vector Machine Approach to Credit Risk Assessment

NASA Astrophysics Data System (ADS)

Liu, Jingli; Li, Jianping; Xu, Weixuan; Shi, Yong

Least squares support vector machine (LS-SVM) is a revised version of support vector machine (SVM) and has been proved to be a useful tool for pattern recognition. LS-SVM had excellent generalization performance and low computational cost. In this paper, we propose a new method called two-layer least squares support vector machine which combines kernel principle component analysis (KPCA) and linear programming form of least square support vector machine. With this method sparseness and robustness is obtained while solving large dimensional and large scale database. A U.S. commercial credit card database is used to test the efficiency of our method and the result proved to be a satisfactory one.

Flu and Finances: Influenza Outbreaks and Loan Defaults in US Cities, 2004–2012

PubMed Central

Collins, J. Michael; Schmeiser, Maximilian D.

2015-01-01

Objectives. We examined the association between influenza outbreaks in 83 metropolitan areas and credit card and mortgage defaults, as measured in quarterly zip code–level credit data over the period of 2004 to 2012. Methods. We used ordinary least squares, fixed effects, and 2-stage least squares instrumental variables regression strategies to examine the relationship between influenza-related Google searches and 30-, 60-, and 90-day credit card and mortgage delinquency rates. Results. We found that a proxy for influenza outbreaks is associated with a small but statistically significant increase in credit card and mortgage default rates, net of other factors. These effects are largest for 90-day defaults, suggesting that influenza outbreaks have a disproportionate impact on vulnerable borrowers who are already behind on their payments. Conclusions. Overall, it appears there is a relationship between exogenous health shocks (such as influenza) and credit default. The results suggest that consumer finances could benefit from policies that aim to reduce the financial shocks of illness, particularly for vulnerable borrowers. PMID:26180971

Stimulus for organ donation: a survey of the American Society of Transplant Surgeons membership.

PubMed

Rodrigue, J R; Crist, K; Roberts, J P; Freeman, R B; Merion, R M; Reed, A I

2009-09-01

Federal legislation has been proposed to modify the National Organ Transplant Act in a way that would permit government-regulated strategies, including financial incentives, to be implemented and evaluated. The Council and Ethics Committee of the American Society of Transplant Surgeons conducted a brief web-based survey of its members' (n = 449, 41.6% response rate) views on acceptable or unacceptable strategies to increase organ donation. The majority of the membership supports reimbursement for funeral expenses, an income tax credit on the final return of a deceased donor and an income tax credit for registering as an organ donor as strategies for increasing deceased donation. Payment for lost wages, guaranteed health insurance and an income tax credit are strategies most strongly supported by the membership to increase living donation. For both deceased and living donation, the membership is mostly opposed to cash payments to donors, their estates or to next-of-kin. There is strong support for a government-regulated trial to evaluate the potential benefits and harms of financial incentives for both deceased and living donation. Overall, there is strong support within the ASTS membership for changes to NOTA that would permit the implementation and careful evaluation of indirect, government-regulated strategies to increase organ donation.

Leveraging Psychological Insights to Encourage the Responsible Use of Consumer Debt.

PubMed

Hershfield, Hal E; Sussman, Abigail B; O'Brien, Rourke L; Bryan, Christopher J

2015-11-01

U.S. consumers currently hold $880 billion in revolving debt, with a mean household credit card balance of approximately $6,000. Although economic factors play a role in this societal issue, it is clear that psychological forces also affect consumers' decisions to take on and maintain unmanageable debt balances. We examine three psychological barriers to the responsible use of credit and debt. We discuss the tendency for consumers to (a) make erroneous predictions about future spending habits, (b) rely too heavily on values presented on billing statements, and (c) categorize debt and saving into separate mental accounts. To overcome these obstacles, we urge policymakers to implement methods that facilitate better budgeting of future expenses, modify existing credit card statement disclosures, and allow consumers to easily apply government transfers (such as tax credits) to debt repayment. In doing so, we highlight minimal and inexpensive ways to remedy the debt problem. © The Author(s) 2015.

The predictive performance of a path-dependent exotic-option credit risk model in the emerging market

NASA Astrophysics Data System (ADS)

Chen, Dar-Hsin; Chou, Heng-Chih; Wang, David; Zaabar, Rim

2011-06-01

Most empirical research of the path-dependent, exotic-option credit risk model focuses on developed markets. Taking Taiwan as an example, this study investigates the bankruptcy prediction performance of the path-dependent, barrier option model in the emerging market. We adopt Duan's (1994) [11], (2000) [12] transformed-data maximum likelihood estimation (MLE) method to directly estimate the unobserved model parameters, and compare the predictive ability of the barrier option model to the commonly adopted credit risk model, Merton's model. Our empirical findings show that the barrier option model is more powerful than Merton's model in predicting bankruptcy in the emerging market. Moreover, we find that the barrier option model predicts bankruptcy much better for highly-leveraged firms. Finally, our findings indicate that the prediction accuracy of the credit risk model can be improved by higher asset liquidity and greater financial transparency.

Traces of business cycles in credit-rating migrations

PubMed Central

Boreiko, Dmitri; Kaniovski, Serguei; Pflug, Georg

2017-01-01

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

Modelling utility-scale wind power plants. Part 2: Capacity credit

NASA Astrophysics Data System (ADS)

Milligan, Michael R.

2000-10-01

As the worldwide use of wind turbine generators in utility-scale applications continues to increase, it will become increasingly important to assess the economic and reliability impact of these intermittent resources. Although the utility industry appears to be moving towards a restructured environment, basic economic and reliability issues will continue to be relevant to companies involved with electricity generation. This article is the second in a two-part series that addresses modelling approaches and results that were obtained in several case studies and research projects at the National Renewable Energy Laboratory (NREL). This second article focuses on wind plant capacity credit as measured with power system reliability indices. Reliability-based methods of measuring capacity credit are compared with wind plant capacity factor. The relationship between capacity credit and accurate wind forecasting is also explored. Published in 2000 by John Wiley & Sons, Ltd.

Traces of business cycles in credit-rating migrations.

PubMed

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

2017-01-01

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

76 FR 79379 - Risk-Based Capital Guidelines: Market Risk; Alternatives to Credit Ratings for Debt and...

Federal Register 2010, 2011, 2012, 2013, 2014

2011-12-21

... play a critical ``gatekeeper'' role in the debt markets and perform evaluative and analytical services... assessments for fee-paying clients, nor does it provide the sort of evaluative and analytical services as...

Design and Development of Card-Sized Virtual Keyboard Using Permanent Magnets and Hall Sensors

NASA Astrophysics Data System (ADS)

Demachi, Kazuyuki; Ohyama, Makoto; Kanemoto, Yoshiki; Masaie, Issei

This paper proposes a method to distinguish the key-type of human fingers attached with the small permanent magnets. The Hall sensors arrayed in the credit card size area feel the distribution of the magnetic field due to the key-typing movement of the human fingers as if the keyboard exists, and the signal is analyzed using the generic algorithm or the neural network algorism to distinguish the typed keys. By this method, the keyboard can be miniaturized to the credit card size (54mm×85mm). We called this system `The virtual keyboard system'.

The Defense Department’s Support of Industry’s Independent Research and Development (IR&D). Analyses and Evaluation

DTIC Science & Technology

1989-04-01

Hill and Susan Bodilly were incorporated into this report. Todd Porter, a RAND Summer Intern, contributed to the data development, statistical...5Bailey and Lawrence , 1987, pp. 19-20. The R&D tax credit allowed a 25 percent credit for R&D expenditures in excess of the average amount spent...See J. A. Hausman , ’Specificaticn Tests in Econometrics,"Econormetrica, Vol, 46, No. 6, November 1978. 61 (7) and (8) report the results of this

13 CFR 315.5 - TAAC scope, selection, evaluation and awards.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false TAAC scope, selection, evaluation..., evaluation and awards. (a) TAAC purpose and scope. (1) TAACs are available to assist Firms in obtaining... Adjustment Proposal. (b) TAAC selection. (1) EDA invites currently funded TAACs to submit either new or...

A tale of Congress, continuing medical education, and the history of medicine.

PubMed

Partin, Clyde; Kushner, Howard I; Horton, Mary E Kollmer

2014-04-01

Well-intentioned attempts by the Senate Finance Committee to improve the content and quality of continuing medical education (CME) offerings had the unanticipated consequence of decimating academically oriented history of medicine conferences. New guidelines intended to keep CME courses free of commercial bias from the pharmaceutical industry were worded in a fashion that caused CME officials at academic institutions to be reluctant to offer CME credit for history of medicine gatherings. At the 2013 annual conference of the American Association for the History of Medicine, we offered a novel solution for determining CME credit in line with current guidelines. We asked attendees to provide narrative critiques for each presentation for which they desired CME credit. In this essay, we evaluate the efficacy of this approach.

Construction of IT Based Learning System at University Level

NASA Astrophysics Data System (ADS)

Akiyama, Hidenori; Kozono, Kazutake

Rapid progress of information and communication technologies has been changing the education method. In Japan, online lectures have been recognized as the credits for graduation by the change of a law since 2001. One trial to construct an IT based learning system has been done for the development of IT based higher education and training. Educational effect of online lecture taken anytime and anywhere is evaluated, and then an authoring software for online lectures is developed for educators who are not familiar to IT. A learning management system begins to be operated for whole lectures, and a wireless LAN system is equipped in whole campus of Kumamoto University.

Asymmetric Lévy flight in financial ratios.

PubMed

Podobnik, Boris; Valentinčič, Aljoša; Horvatić, Davor; Stanley, H Eugene

2011-11-01

Because financial crises are characterized by dangerous rare events that occur more frequently than those predicted by models with finite variances, we investigate the underlying stochastic process generating these events. In the 1960s Mandelbrot [Mandelbrot B (1963) J Bus 36:394-419] and Fama [Fama EF (1965) J Bus 38:34-105] proposed a symmetric Lévy probability distribution function (PDF) to describe the stochastic properties of commodity changes and price changes. We find that an asymmetric Lévy PDF, L, characterized by infinite variance, models several multiple credit ratios used in financial accounting to quantify a firm's financial health, such as the Altman [Altman EI (1968) J Financ 23:589-609] Z score and the Zmijewski [Zmijewski ME (1984) J Accounting Res 22:59-82] score, and models changes of individual financial ratios, ΔX(i). We thus find that Lévy PDFs describe both the static and dynamics of credit ratings. We find that for the majority of ratios, ΔX(i) scales with the Lévy parameter α ≈ 1, even though only a few of the individual ratios are characterized by a PDF with power-law tails X(i)(-1-α) with infinite variance. We also find that α exhibits a striking stability over time. A key element in estimating credit losses is the distribution of credit rating changes, the functional form of which is unknown for alphabetical ratings. For continuous credit ratings, the Altman Z score, we find that P(ΔZ) follows a Lévy PDF with power-law exponent α ≈ 1, consistent with changes of individual financial ratios. Estimating the conditional P(ΔZ|Z) versus Z, we demonstrate how this continuous credit rating approach and its dynamics can be used to evaluate credit risk.

Asymmetric Lévy flight in financial ratios

PubMed Central

Valentinčič, Aljoša; Horvatić, Davor; Stanley, H. Eugene

2011-01-01

Because financial crises are characterized by dangerous rare events that occur more frequently than those predicted by models with finite variances, we investigate the underlying stochastic process generating these events. In the 1960s Mandelbrot [Mandelbrot B (1963) J Bus 36:394–419] and Fama [Fama EF (1965) J Bus 38:34–105] proposed a symmetric Lévy probability distribution function (PDF) to describe the stochastic properties of commodity changes and price changes. We find that an asymmetric Lévy PDF, , characterized by infinite variance, models several multiple credit ratios used in financial accounting to quantify a firm’s financial health, such as the Altman [Altman EI (1968) J Financ 23:589–609] Z score and the Zmijewski [Zmijewski ME (1984) J Accounting Res 22:59–82] score, and models changes of individual financial ratios, ΔXi. We thus find that Lévy PDFs describe both the static and dynamics of credit ratings. We find that for the majority of ratios, ΔXi scales with the Lévy parameter α ≈ 1, even though only a few of the individual ratios are characterized by a PDF with power-law tails with infinite variance. We also find that α exhibits a striking stability over time. A key element in estimating credit losses is the distribution of credit rating changes, the functional form of which is unknown for alphabetical ratings. For continuous credit ratings, the Altman Z score, we find that P(ΔZ) follows a Lévy PDF with power-law exponent α ≈ 1, consistent with changes of individual financial ratios. Estimating the conditional P(ΔZ|Z) versus Z, we demonstrate how this continuous credit rating approach and its dynamics can be used to evaluate credit risk. PMID:22006296

Evaluation of microfinance projects.

PubMed

Johnson, S

1999-08-01

This paper criticizes the quick system proposed by Henk Moll for evaluating microfinance projects in the article ¿How to Pre-Evaluate Credit Projects in Ten Minutes¿. The author contended that there is a need to emphasize the objectives of the project. The procedure used by Moll, he contended, is applicable only to projects that have only two key objectives, such as credit operations, and the provision of services. Arguments are presented on the three specific questions proposed by Moll, ranging from the availability of externally audited financial reports, the performance of interest rate on loans vis-a-vis the inflation rate, and the provision of loans according to the individual requirements of the borrowers. Lastly, the author emphasizes that the overall approach is not useful and suggests that careful considerations should be observed in the use or abuse of a simple scoring system or checklist such as the one proposed by Moll.

Evaluating the Predictive Value of Growth Prediction Models

ERIC Educational Resources Information Center

Murphy, Daniel L.; Gaertner, Matthew N.

2014-01-01

This study evaluates four growth prediction models--projection, student growth percentile, trajectory, and transition table--commonly used to forecast (and give schools credit for) middle school students' future proficiency. Analyses focused on vertically scaled summative mathematics assessments, and two performance standards conditions (high…

Long-Term Evaluation of Bibliographic Instruction: Lasting Encouragement.

ERIC Educational Resources Information Center

Person, Roland

1981-01-01

This longitudinal study of a one-semester credit course of bibliographic instruction for undergraduates reveals lasting student appreciation that frequently increases following course completion. (RAA)

Credit risk migration rates modeling as open systems: A micro-simulation approach

NASA Astrophysics Data System (ADS)

Landini, S.; Uberti, M.; Casellina, S.

2018-05-01

The last financial crisis of 2008 stimulated the development of new Regulatory Criteria (commonly known as Basel III) that pushed the banking activity to become more prudential, either in the short and the long run. As well known, in 2014 the International Accounting Standards Board (IASB) promulgated the new International Financial Reporting Standard 9 (IFRS 9) for financial instruments that will become effective in January 2018. Since the delayed recognition of credit losses on loans was identified as a weakness in existing accounting standards, the IASB has introduced an Expected Loss model that requires more timely recognition of credit losses. Specifically, new standards require entities to account both for expected losses from when the impairments are recognized for the first time and for full loan lifetime; moreover, a clear preference toward forward looking models is expressed. In this new framework, it is necessary a re-thinking of the widespread standard theoretical approach on which the well known prudential model is founded. The aim of this paper is then to define an original methodological approach to migration rates modeling for credit risk which is innovative respect to the standard method from the point of view of a bank as well as in a regulatory perspective. Accordingly, the proposed not-standard approach considers a portfolio as an open sample allowing for entries, migrations of stayers and exits as well. While being consistent with the empirical observations, this open-sample approach contrasts with the standard closed-sample method. In particular, this paper offers a methodology to integrate the outcomes of the standard closed-sample method within the open-sample perspective while removing some of the assumptions of the standard method. Three main conclusions can be drawn in terms of economic capital provision: (a) based on the Markovian hypothesis with a-priori absorbing state at default, the standard closed-sample method is to be abandoned for not to predict lenders' bankruptcy by construction; (b) to meet more reliable estimates along with the new regulatory standards, the sample to estimate migration rates matrices for credit risk should include either entries and exits; (c) the static eigen-decomposition standard procedure to forecast migration rates should be replaced with a stochastic process dynamics methodology while conditioning forecasts to macroeconomic scenarios.

The organization and administration of community college non-credit workforce education and training cuts

NASA Astrophysics Data System (ADS)

Kozachyn, Karen P.

Community colleges are struggling financially due to underfunding. Recent state budget cuts coupled with the elimination of federal stimulus money has exacerbated the issue as these funding streams had contributed to operating costs (Moltz, 2011). In response to these budget cuts, community colleges are challenged to improve, increase, and develop revenue producing programs. These factors heighten the need for community colleges to examine their non-credit workforce organizations. The community college units charged with delivering non-credit workforce education and training programs are historically ancillary to the academic divisions that deliver certificate, technical degree, and transfer degree programs. The perceptions of these units are that they are the community college's 'step child' (Grubb, Bradway, and Bell, 2002). This case study examined the organization and administration of community college non-credit workforce education and training units, utilizing observation, interviews, and document analysis. Observational data focused on the physical campus and the unit. Interviews were conducted onsite with decision-making personnel of the division units that deliver non-credit workforce education and training within each community college. Document analysis included college catalogues, program guides, marketing material, and website information. The study was grounded in the review of literature associated with the evolution of the community college, as well as the development of workforce education and training including funding, organizational structure and models, management philosophies, and effectiveness. The findings of the study report that all five units were self-contained and were organized and operated uniquely within the organization. Effectiveness was measured differently by each institution. However, two common benchmarks were revenue and student evaluations. Another outcome of this study is the perceived lack of college-wide alignment between the non-credit workforce education and training unit and the college community. With more than 54 million working adults enrolling in non-credit education through an institution of higher education (American Association of Community Colleges, 2012) the findings of this study could increase the community college's awareness of the potential in non-credit workforce education and training and thus strengthen confidence to invest more college funds and resources to increase non-credit workforce education and training.

Essays on the economics and econometrics of human capital

NASA Astrophysics Data System (ADS)

Mosso, Stefano

This thesis is composed by three distinct chapters. They are related by their common theme: the economic analysis of the process of human capital formation. The first chapter distills and extends the recent research on the economics of human development and social mobility. It critically analyzes the literature on the role of early life conditions in shaping multiple life skills with emphasis on the importance of critical and sensitive investments periods in influencing skill development. It develops economic models that rationalize the empirical evidence on treatment effects of social programs and on family influence. It investigates the empirical support of recent claims, made by part of the literature, on the relevance of credit constraints in limiting skill development. It shows how credit constraints are not a major force explaining differences in the amount of parental and self-investments in skills and how untargeted income transfer policies to poor families do not significantly boost child outcomes. The second chapter compares the performance of maximum likelihood and simulated methods of moments in estimating dynamic discrete choice models. It presents a structural model of education and shows how it can be used to estimate heterogeneous returns from schooling choices which account for their continuation values. Continuation values have a large impact on returns, but are ignored in the measures commonly used to assess the value of schooling choices. The estimates from the model are used to compute a synthetic dataset. This is used to assess the ability of maximum likelihood and simulated methods of moments to recover the model parameters. It finally proposes a Monte Carlo exercise to gain confidence on the performance of a simulated method of moments algorithm. The last chapter proposes a method to assess long run impacts on earnings of early interventions even in absence of long-term data collection on earnings histories for program participants. It combines the methodological approaches of the literature on program evaluation, data combination and forecasting to develop estimators of the average treatment effects. This exercise allows a more complete cost-benefit evaluation of social programs accounting for benefits over the whole life cycle.

Flammable gas technical basis document

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

CARRO, C.A.

2003-03-22

This document qualitatively evaluates the frequency and consequences of DST and SST representative flammable gas accidents and associated represented hazardous conditions without controls. Based on the evaluation, it was determined that safety-significant SSCs and/or TSRs were required to prevent or mitigate flammable gas accidents. Controls were selected and the accidents re-evaluated taking credit for the controls.

An Integrated On-Line Transfer Credit Evaluation System-Admissions through Graduation Audit.

ERIC Educational Resources Information Center

Schuman, Chester D.

This document discusses a computerized transfer evaluation system designed by Pennsylvania College of Technology, a comprehensive two-year institution with an enrollment of over 4,800 students. It is noted that the Admissions Office processes approximately 500 transfer applications for a fall semester, as well as a large number of evaluations for…

Bank-firm credit network in Japan: an analysis of a bipartite network.

PubMed

Marotta, Luca; Miccichè, Salvatore; Fujiwara, Yoshi; Iyetomi, Hiroshi; Aoyama, Hideaki; Gallegati, Mauro; Mantegna, Rosario N

2015-01-01

We investigate the networked nature of the Japanese credit market. Our investigation is performed with tools of network science. In our investigation we perform community detection with an algorithm which is identifying communities composed of both banks and firms. We show that the communities obtained by directly working on the bipartite network carry information about the networked nature of the Japanese credit market. Our analysis is performed for each calendar year during the time period from 1980 to 2011. To investigate the time evolution of the networked structure of the credit market we introduce a new statistical method to track the time evolution of detected communities. We then characterize the time evolution of communities by detecting for each time evolving set of communities the over-expression of attributes of firms and banks. Specifically, we consider as attributes the economic sector and the geographical location of firms and the type of banks. In our 32-year-long analysis we detect a persistence of the over-expression of attributes of communities of banks and firms together with a slow dynamic of changes from some specific attributes to new ones. Our empirical observations show that the credit market in Japan is a networked market where the type of banks, geographical location of firms and banks, and economic sector of the firm play a role in shaping the credit relationships between banks and firms.

Bank-Firm Credit Network in Japan: An Analysis of a Bipartite Network

PubMed Central

Marotta, Luca; Miccichè, Salvatore; Fujiwara, Yoshi; Iyetomi, Hiroshi; Aoyama, Hideaki; Gallegati, Mauro; Mantegna, Rosario N.

2015-01-01

We investigate the networked nature of the Japanese credit market. Our investigation is performed with tools of network science. In our investigation we perform community detection with an algorithm which is identifying communities composed of both banks and firms. We show that the communities obtained by directly working on the bipartite network carry information about the networked nature of the Japanese credit market. Our analysis is performed for each calendar year during the time period from 1980 to 2011. To investigate the time evolution of the networked structure of the credit market we introduce a new statistical method to track the time evolution of detected communities. We then characterize the time evolution of communities by detecting for each time evolving set of communities the over-expression of attributes of firms and banks. Specifically, we consider as attributes the economic sector and the geographical location of firms and the type of banks. In our 32-year-long analysis we detect a persistence of the over-expression of attributes of communities of banks and firms together with a slow dynamic of changes from some specific attributes to new ones. Our empirical observations show that the credit market in Japan is a networked market where the type of banks, geographical location of firms and banks, and economic sector of the firm play a role in shaping the credit relationships between banks and firms. PMID:25933413

Nuclear education and training: marriages that work

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

Hanson, H.D.

1985-11-01

Public Service Electric and Gas Company is meeting the education and training needs of its nuclear department operations, support, and services personnel through a variety of activities in association with institutions of higher education. Activities include credit or credit recommendation programs at the associates, undergraduate, and graduate degree level. The paper emphasizes the process of working with a local college in the development of a new degree program for submission through the State Board of Education. The development, review, evaluation, and approval process is detailed as well as lessons learned. Plans for further development of the program toward ABET accreditationmore » are also described. Samples of the surveys conducted to determine employee interest in terms of academic area, academic level, offering strategies, etc. are presented. The process of soliciting program proposals from universities and colleges, the selection process, and implementation of the programs are also discussed. More briefly described is the preparation for credit recommendation process from regionally accredited groups. External degree programs, off-hours course presentations on-site for undergraduate and graduate credit, faculty extern, student intern, and co-op activities are also discussed.« less

13 CFR 305.6 - Allowable methods of procurement for construction services.

Code of Federal Regulations, 2010 CFR

2010-01-01

... Approved Projects § 305.6 Allowable methods of procurement for construction services. (a) Recipients may use alternate construction procurement methods to the traditional design/bid/build procedures... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Allowable methods of procurement...

The Design, Implementation, and Evaluation of Online Credit Nutrition Courses: A Systematic Review

ERIC Educational Resources Information Center

Cohen, Nancy L.; Carbone, Elena T.; Beffa-Negrini, Patricia A.

2011-01-01

Objective: To assess how postsecondary online nutrition education courses (ONEC) are delivered, determine ONEC effectiveness, identify theoretical models used, and identify future research needs. Design: Systematic search of database literature. Setting: Postsecondary education. Participants: Nine research articles evaluating postsecondary ONEC.…

48 CFR 19.1202-1 - General.

Code of Federal Regulations, 2013 CFR

2013-10-01

... extent of participation of SDB concerns in performance of the contract, in the NAICS Industry Subsector... arrangements, and subcontracts. Credit under the evaluation factor or subfactor is not available to SDB concerns that receive a price evaluation adjustment under Subpart 19.11. If an SDB concern waives the price...

48 CFR 19.1202-1 - General.

Code of Federal Regulations, 2010 CFR

2010-10-01

... extent of participation of SDB concerns in performance of the contract, in the NAICS Industry Subsector... arrangements, and subcontracts. Credit under the evaluation factor or subfactor is not available to SDB concerns that receive a price evaluation adjustment under Subpart 19.11. If an SDB concern waives the price...

48 CFR 19.1202-1 - General.

Code of Federal Regulations, 2012 CFR

2012-10-01

... extent of participation of SDB concerns in performance of the contract, in the NAICS Industry Subsector... arrangements, and subcontracts. Credit under the evaluation factor or subfactor is not available to SDB concerns that receive a price evaluation adjustment under Subpart 19.11. If an SDB concern waives the price...

48 CFR 19.1202-1 - General.

Code of Federal Regulations, 2011 CFR

2011-10-01

... extent of participation of SDB concerns in performance of the contract, in the NAICS Industry Subsector... arrangements, and subcontracts. Credit under the evaluation factor or subfactor is not available to SDB concerns that receive a price evaluation adjustment under Subpart 19.11. If an SDB concern waives the price...

48 CFR 19.1202-1 - General.

Code of Federal Regulations, 2014 CFR

2014-10-01

... extent of participation of SDB concerns in performance of the contract, in the NAICS Industry Subsector... arrangements, and subcontracts. Credit under the evaluation factor or subfactor is not available to SDB concerns that receive a price evaluation adjustment under Subpart 19.11. If an SDB concern waives the price...

76 FR 71934 - Tobacco Transition Payment Program; Availability of Current Assessment Methods Determination...

Federal Register 2010, 2011, 2012, 2013, 2014

2011-11-21

... DEPARTMENT OF AGRICULTURE Farm Service Agency Tobacco Transition Payment Program; Availability of Current Assessment Methods Determination Document AGENCY: Commodity Credit Corporation and Farm Service... current methods used to calculate manufacturer and importer assessments that fund the Tobacco Transition...

Strengthening senior tax credit programs in Massachusetts.

PubMed

Kiesel, Kristin

2002-01-01

In the last decade, property taxes have increased, creating a financial burden on senior homeowners. In Massachusetts, senior property tax credit programs have arisen to address this problem, as well as to provide cost-effective volunteer assistance for municipal departments, offer seniors meaningful work that otherwise would not have been attempted, and foster involvement in municipal government among seniors. The success of the programs in retaining senior homeowners in the community remains to be evaluated. Program specifics are detailed, policy options are considered, and recommendations are made to strengthen existing programs and assist replication.

West Foster Creek Expansion Project 2007 HEP Report.

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

Ashley, Paul R.

During April and May 2007, the Columbia Basin Fish and Wildlife Authority's (CBFWA) Regional HEP Team (RHT) conducted baseline Habitat Evaluation Procedures (HEP) (USFWS 1980, 1980a) analyses on five parcels collectively designated the West Foster Creek Expansion Project (3,756.48 acres). The purpose of the HEP analyses was to document extant habitat conditions and to determine how many baseline/protection habitat units (HUs) to credit Bonneville Power Administration (BPA) for funding maintenance and enhancement activities on project lands as partial mitigation for habitat losses associated with construction of Grand Coulee and Chief Joseph Dams. HEP evaluation models included mule deer (Odocoileus hemionus),more » western meadowlark (Sturnella neglecta), sharp-tailed grouse, (Tympanuchus phasianellus), Bobcat (Lynx rufus), mink (Neovison vison), mallard (Anas platyrhynchos), and black-capped chickadee (Parus atricapillus). Combined 2007 baseline HEP results show that 4,946.44 habitat units were generated on 3,756.48 acres (1.32 HUs per acre). HEP results/habitat conditions were generally similar for like cover types at all sites. Unlike crediting of habitat units (HUs) on other WDFW owned lands, Bonneville Power Administration received full credit for HUs generated on these sites.« less

17 CFR 162.8 - Acceptable delivery methods of opt-out notices.

Code of Federal Regulations, 2012 CFR

2012-04-01

... COMMISSION PROTECTION OF CONSUMER INFORMATION UNDER THE FAIR CREDIT REPORTING ACT Business Affiliate Marketing Rules § 162.8 Acceptable delivery methods of opt-out notices. (a) In general. The opt-out notice...

17 CFR 162.8 - Acceptable delivery methods of opt-out notices.

Code of Federal Regulations, 2013 CFR

2013-04-01

... COMMISSION PROTECTION OF CONSUMER INFORMATION UNDER THE FAIR CREDIT REPORTING ACT Business Affiliate Marketing Rules § 162.8 Acceptable delivery methods of opt-out notices. (a) In general. The opt-out notice...

7 CFR 3015.102 - Payment methods.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 7 Agriculture 15 2014-01-01 2014-01-01 false Payment methods. 3015.102 Section 3015.102... methods. (a) Non-construction. (1) Letters of credit will be used to pay USDA recipients when all the... (iii) of this section. (3) Reimbursement by Treasury check shall be the preferred method when the...

7 CFR 3015.102 - Payment methods.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 7 Agriculture 15 2012-01-01 2012-01-01 false Payment methods. 3015.102 Section 3015.102... methods. (a) Non-construction. (1) Letters of credit will be used to pay USDA recipients when all the... (iii) of this section. (3) Reimbursement by Treasury check shall be the preferred method when the...

7 CFR 3015.102 - Payment methods.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 7 Agriculture 15 2013-01-01 2013-01-01 false Payment methods. 3015.102 Section 3015.102... methods. (a) Non-construction. (1) Letters of credit will be used to pay USDA recipients when all the... (iii) of this section. (3) Reimbursement by Treasury check shall be the preferred method when the...

7 CFR 3015.102 - Payment methods.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 15 2010-01-01 2010-01-01 false Payment methods. 3015.102 Section 3015.102... methods. (a) Non-construction. (1) Letters of credit will be used to pay USDA recipients when all the... (iii) of this section. (3) Reimbursement by Treasury check shall be the preferred method when the...

7 CFR 3015.102 - Payment methods.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 7 Agriculture 15 2011-01-01 2011-01-01 false Payment methods. 3015.102 Section 3015.102... methods. (a) Non-construction. (1) Letters of credit will be used to pay USDA recipients when all the... (iii) of this section. (3) Reimbursement by Treasury check shall be the preferred method when the...

13 CFR 305.6 - Allowable methods of procurement for construction services.

Code of Federal Regulations, 2011 CFR

2011-01-01

... Approved Projects § 305.6 Allowable methods of procurement for construction services. (a) Recipients may... design/build, construction management at risk and force account. If an alternate method is used, the... 13 Business Credit and Assistance 1 2011-01-01 2011-01-01 false Allowable methods of procurement...

26 CFR 1.401(a)(4)-0 - Table of contents.

Code of Federal Regulations, 2010 CFR

2010-04-01

...) Composition-of-work-force method. (3) Minimum-benefit method. (4) Grandfather rules for plans in existence on... allocation rates. (3) Safe harbor testing method for cash balance plans. (d) Safe-harbor testing method for...-crediting period. (e) Family aggregation rules. [Reserved] (f) Governmental plans. [Reserved] (g) Corrective...

7 CFR 1487.6 - What are the criteria for evaluating proposals?

Code of Federal Regulations, 2010 CFR

2010-01-01

... CREDIT CORPORATION, DEPARTMENT OF AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS TECHNICAL ASSISTANCE... completeness and will evaluate each proposal against the factors described in paragraph (a) of this section... within FAS for decision. FAS may, when appropriate to the subject matter of the proposal, request the...

Evaluating the impact of water conservation on fate of outdoor water use: a study in an arid region.

PubMed

Qaiser, Kamal; Ahmad, Sajjad; Johnson, Walter; Batista, Jacimaria

2011-08-01

In this research, the impact of several water conservation policies and return flow credits on the fate of water used outdoors in an arid region is evaluated using system dynamics modeling approach. Return flow credits is a strategy where flow credits are obtained for treated wastewater returned to a water body, allowing for the withdrawal of additional water equal to the amount returned as treated wastewater. In the return credit strategy, treated wastewater becomes a resource. This strategy creates a conundrum in which conservation may lead to an apparent decrease in water supply because less wastewater is generated and returned to water body. The water system of the arid Las Vegas Valley in Nevada, USA is used as basis for the dynamic model. The model explores various conservation scenarios to attain the daily per capita demand target of 752 l by 2035: (i) status quo situation where conservation is not implemented, (ii) conserving water only on the outdoor side, (iii) conserving water 67% outdoor and 33% indoor, (iv) conserving equal water both in the indoor and outdoor use (v) conserving water only on the indoor side. The model is validated on data from 1993 to 2008 and future simulations are carried out up to 2035. The results show that a substantial portion of the water used outdoor either evapo-transpires (ET) or infiltrates to shallow groundwater (SGW). Sensitivity analysis indicated that seepage to groundwater is more susceptible to ET compared to any other variable. The all outdoor conservation scenario resulted in the highest return flow credits and the least ET and SGW. A major contribution of this paper is in addressing the water management issues that arise when wastewater is considered as a resource and developing appropriate conservation policies in this backdrop. The results obtained can be a guide in developing outdoor water conservation policies in arid regions. Copyright © 2011 Elsevier Ltd. All rights reserved.

Flammable Gas Technical Basis Document

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

CARRO, C.A.

2003-07-30

This document qualitatively evaluates the frequency and consequences of DST and SST representative flammable gas accidents and associated represented hazardous conditions without controls. Based on the evaluation, it was determined that safety-significant SSCs and/or TSRs were required to prevent or mitigate flammable gas accidents. Controls were selected and the accidents re-evaluated taking credit for the controls. Revision 1 incorporates comments received from ORP.

13 CFR 126.614 - How does a CO apply HUBZone and SDB price evaluation preferences in full and open competition?

Code of Federal Regulations, 2010 CFR

2010-01-01

... SDB price evaluation preferences in full and open competition? 126.614 Section 126.614 Business Credit... a CO apply HUBZone and SDB price evaluation preferences in full and open competition? A CO may receive offers from both qualified HUBZone SBCs and SDB concerns, or from concerns that qualify as both...

13 CFR 126.614 - How does a CO apply HUBZone and SDB price evaluation preferences in full and open competition?

Code of Federal Regulations, 2011 CFR

2011-01-01

... SDB price evaluation preferences in full and open competition? 126.614 Section 126.614 Business Credit... a CO apply HUBZone and SDB price evaluation preferences in full and open competition? A CO may receive offers from both qualified HUBZone SBCs and SDB concerns, or from concerns that qualify as both...

13 CFR 126.614 - How does a CO apply HUBZone and SDB price evaluation preferences in full and open competition?

Code of Federal Regulations, 2013 CFR

2013-01-01

... SDB price evaluation preferences in full and open competition? 126.614 Section 126.614 Business Credit... a CO apply HUBZone and SDB price evaluation preferences in full and open competition? A CO may receive offers from both qualified HUBZone SBCs and SDB concerns, or from concerns that qualify as both...

13 CFR 126.614 - How does a CO apply HUBZone and SDB price evaluation preferences in full and open competition?

Code of Federal Regulations, 2012 CFR

2012-01-01

... SDB price evaluation preferences in full and open competition? 126.614 Section 126.614 Business Credit... a CO apply HUBZone and SDB price evaluation preferences in full and open competition? A CO may receive offers from both qualified HUBZone SBCs and SDB concerns, or from concerns that qualify as both...

CVal: a spreadsheet tool to evaluate the direct benefits and costs of carbon sequestration contracts for managed forests

Treesearch

E.M. Bilek; Peter Becker; Tim. McAbee

2009-01-01

This documentation is meant to accompany CVal, a downloadable spreadsheet tool. CVal was constructed for foresters, other land management advisors, landowners, and carbon credit aggregators to evaluate the direct benefits and costs of entering into contracts for carbon sequestered in managed forests and forest plantations. CVal was designed to evaluate Exchange...

Hybrid Method for Mobile learning Cooperative: Study of Timor Leste

NASA Astrophysics Data System (ADS)

da Costa Tavares, Ofelia Cizela; Suyoto; Pranowo

2018-02-01

In the modern world today the decision support system is very useful to help in solving a problem, so this study discusses the learning process of savings and loan cooperatives in Timor Leste. The purpose of the observation is that the people of Timor Leste are still in the process of learning the use DSS for good saving and loan cooperative process. Based on existing research on the Timor Leste community on credit cooperatives, a mobile application will be built that will help the cooperative learning process in East Timorese society. The methods used for decision making are AHP (Analytical Hierarchy Process) and SAW (simple additive Weighting) method to see the result of each criterion and the weight of the value. The result of this research is mobile leaning cooperative in decision support system by using SAW and AHP method. Originality Value: Changed the two methods of mobile application development using AHP and SAW methods to help the decision support system process of a savings and credit cooperative in Timor Leste.

Direct potable reuse microbial risk assessment methodology: Sensitivity analysis and application to State log credit allocations.

PubMed

Soller, Jeffrey A; Eftim, Sorina E; Nappier, Sharon P

2018-01-01

Understanding pathogen risks is a critically important consideration in the design of water treatment, particularly for potable reuse projects. As an extension to our published microbial risk assessment methodology to estimate infection risks associated with Direct Potable Reuse (DPR) treatment train unit process combinations, herein, we (1) provide an updated compilation of pathogen density data in raw wastewater and dose-response models; (2) conduct a series of sensitivity analyses to consider potential risk implications using updated data; (3) evaluate the risks associated with log credit allocations in the United States; and (4) identify reference pathogen reductions needed to consistently meet currently applied benchmark risk levels. Sensitivity analyses illustrated changes in cumulative annual risks estimates, the significance of which depends on the pathogen group driving the risk for a given treatment train. For example, updates to norovirus (NoV) raw wastewater values and use of a NoV dose-response approach, capturing the full range of uncertainty, increased risks associated with one of the treatment trains evaluated, but not the other. Additionally, compared to traditional log-credit allocation approaches, our results indicate that the risk methodology provides more nuanced information about how consistently public health benchmarks are achieved. Our results indicate that viruses need to be reduced by 14 logs or more to consistently achieve currently applied benchmark levels of protection associated with DPR. The refined methodology, updated model inputs, and log credit allocation comparisons will be useful to regulators considering DPR projects and design engineers as they consider which unit treatment processes should be employed for particular projects. Published by Elsevier Ltd.

Evaluation of "credit card" libraries for inhibition of HIV-1 gp41 fusogenic core formation.

PubMed

Xu, Yang; Lu, Hong; Kennedy, Jack P; Yan, Xuxia; McAllister, Laura A; Yamamoto, Noboru; Moss, Jason A; Boldt, Grant E; Jiang, Shibo; Janda, Kim D

2006-01-01

Protein-protein interactions are of critical importance in biological systems, and small molecule modulators of such protein recognition and intervention processes are of particular interest. To investigate this area of research, we have synthesized small-molecule libraries that can disrupt a number of biologically relevant protein-protein interactions. These library members are designed upon planar motif, appended with a variety of chemical functions, which we have termed "credit-card" structures. From two of our "credit-card" libraries, a series of molecules were uncovered which act as inhibitors against the HIV-1 gp41 fusogenic 6-helix bundle core formation, viral antigen p24 formation, and cell-cell fusion at low micromolar concentrations. From the high-throughput screening assays we utilized, a selective index (SI) value of 4.2 was uncovered for compound 2261, which bodes well for future structure activity investigations and the design of more potent gp41 inhibitors.

Programme impact on current contraception in Bangladesh.

PubMed

Latif, M A

1994-03-01

"This paper analyses the impact of three credit programmes--the Bangladesh Rural Advancement Committee (BRAC), the Bangladesh Rural Development Board's Rural Development-12 (BRDB RD-12), and the Grameen Bank (GB), on current rate of contraception. These programmes are targeted to alleviate poverty by providing group-based credit to the rural poor in creating self employment opportunities. With small credits, these programmes combine family planning activities in terms of consciousness raising, awareness building and motivation. Sample survey data are used to analyse the problem of impact evaluation. The analyses show that the BRAC and the GB programmes have [a] significantly positive impact on the current rate of contraception, while the BRDB RD-12 programme does not have any such impact. It is also found that education, both of female[s] and male[s] separately, and child survivorship have independently positive impact[s] on current contraception." excerpt

Time Discounting and Credit Market Access in a Large-Scale Cash Transfer Programme.

PubMed

Handa, Sudhanshu; Martorano, Bruno; Halpern, Carolyn; Pettifor, Audrey; Thirumurthy, Harsha

2016-06-01

Time discounting is thought to influence decision-making in almost every sphere of life, including personal finances, diet, exercise and sexual behavior. In this article we provide evidence on whether a national poverty alleviation program in Kenya can affect inter-temporal decisions. We administered a preferences module as part of a large-scale impact evaluation of the Kenyan Government's Cash Transfer for Orphans and Vulnerable Children. Four years into the program we find that individuals in the treatment group are only marginally more likely to wait for future money, due in part to the erosion of the value of the transfer by inflation. However among the poorest households for whom the value of transfer is still relatively large we find significant program effects on the propensity to wait. We also find strong program effects among those who have access to credit markets though the program itself does not improve access to credit.

Neural reactivations during sleep determine network credit assignment

PubMed Central

Gulati, Tanuj; Guo, Ling; Ramanathan, Dhakshin S.; Bodepudi, Anitha; Ganguly, Karunesh

2018-01-01

A fundamental goal of motor learning is to establish neural patterns that produce a desired behavioral outcome. It remains unclear how and when the nervous system solves this “credit–assignment” problem. Using neuroprosthetic learning where we could control the causal relationship between neurons and behavior, here we show that sleep–dependent processing is required for credit-assignment and the establishment of task-related functional connectivity reflecting the casual neuron-behavior relationship. Importantly, we found a strong link between the microstructure of sleep reactivations and credit assignment, with downscaling of non–causal activity. Strikingly, decoupling of spiking to slow–oscillations using optogenetic methods eliminated rescaling. Thus, our results suggest that coordinated firing during sleep plays an essential role in establishing sparse activation patterns that reflect the causal neuron–behavior relationship. PMID:28692062

Automated Pollution Control

NASA Technical Reports Server (NTRS)

1997-01-01

Patterned after the Cassini Resource Exchange (CRE), Sholtz and Associates established the Automated Credit Exchange (ACE), an Internet-based concept that automates the auctioning of "pollution credits" in Southern California. An early challenge of the Jet Propulsion Laboratory's Cassini mission was allocating the spacecraft's resources. To support the decision-making process, the CRE was developed. The system removes the need for the science instrument manager to know the individual instruments' requirements for the spacecraft resources. Instead, by utilizing principles of exchange, the CRE induces the instrument teams to reveal their requirements. In doing so, they arrive at an efficient allocation of spacecraft resources by trading among themselves. A Southern California RECLAIM air pollution credit trading market has been set up using same bartering methods utilized in the Cassini mission in order to help companies keep pollution and costs down.

Blow Up

ERIC Educational Resources Information Center

Carringer, Robert L.

1975-01-01

An evaluation of the career of Michelangelo Antonioni and his best known film, Blow Up, were followed with credits for the film, a sequence outline, study questions for class discussion, and some suggestions for additional reading. (RK)

Ethics competences in the undergraduate medical education curriculum: the Spanish experience.

PubMed

Ferreira-Padilla, Guillermo; Ferrández-Antón, Teresa; Lolas-Stepke, Fernando; Almeida-Cabrera, Rut; Brunet, Joan; Bosch-Barrera, Joaquim

2016-10-31

Aim .To investigate if there are differences in medical ethics education between different schools of medicine in Spain, specifically between private and public schools and between recently founded schools and older ones. The curricula of medical degrees from all Spanish faculties were reviewed for the 2014/2015 academic year, identifying subjects concerning bioethics, deontology, and ethics. We identified the type of teaching, format and method of the course, the number of credits and hours, and the school year of each subject. An analysis with descriptive parameters and the Cohen's coefficient (d) was performed. All medical schools in Spain (n=44) were included. A mean of 3.64 European Credit Transfer and Accumulation System (ECTS) credits was specifically devoted to ethical values teaching in Spain. Private medical schools offered more credits than public ones (6.51 ECTS vs 2.88 ECTS, relevant difference: d=2.06>0.8), and the 10 most recently founded medical schools offered more credits than the 10 oldest (5.86 ECTS vs 2.63 ECTS, relevant difference: d=1.43>0.8). A mean of 36.75 hours was dedicated to ethics education. Although ethics education is incorporated into the training of future Spanish physicians, there is still notable heterogeneity between different medical schools in the time devoted to this topic.

Responding to Community Needs through Community Follow-Up. Junior College Resource Review.

ERIC Educational Resources Information Center

Mehallis, Mantha Vlahos

This literature review examines the utilization of community needs assessment data in program planning and evaluation efforts at community colleges. The review first defines and looks at the purposes of community needs assessments, noting that while such studies are purported to facilitate the planning and evaluation of credit and non-credit…

Report to the Washington Instructional Commission [and] Experimental Telecourse Year (ETY) Proposal.

ERIC Educational Resources Information Center

1978

The first part of this report is an evaluation of the Washington State Community College Telecourse Consortium's initial project, the offering of "The Age of Uncertainty" for credit at seven colleges during fall quarter 1977. Responses to evaluation questionnaires from six instructors and 72 students indicated that enrollments were…

Computer Assisted Instruction in Teacher Education: A Full Length Course.

ERIC Educational Resources Information Center

Cartwright, G. Phillip

Pennsylvania State University has developed, evaluated, and implemented a series of modules and an entire three-credit teacher education course which is offered completely by microcomputer. The course is entitled "Educating Special Learners." The modules use the Apple II series and the IBM PC series. Evaluation of the course, based on…

The Impact of the Immediate Feedback Assessment Technique on Course Evaluations

ERIC Educational Resources Information Center

Maurer, Trent W.; Kropp, Jerri J.

2015-01-01

This project reports the results of two studies that investigated the impact on course evaluations of using partial credit iterative responding (PCIR) with the Immediate Feedback Assessment Technique (IF-AT) forms on summative course assessments. This project also quantifies grade inflation from utilizing different PCIR schemes and documents the…

12 CFR Appendix C to Subpart A of... - Appendix C to Subpart A of Part 327

Code of Federal Regulations, 2010 CFR

2010-01-01

... reports. Stress Considerations Ability to Withstand Stress Conditions • Internal analyses of portfolio.... • Stress scenario development and analyses. • Results of stress tests or scenario analyses that show the.... an evaluation of credit portfolio performance under varying stress scenarios. ii. an evaluation of...

12 CFR Appendix C to Subpart A of... - Appendix C to Subpart A of Part 327

Code of Federal Regulations, 2011 CFR

2011-01-01

... reports. Stress Considerations Ability to Withstand Stress Conditions • Internal analyses of portfolio.... • Stress scenario development and analyses. • Results of stress tests or scenario analyses that show the.... an evaluation of credit portfolio performance under varying stress scenarios. ii. an evaluation of...

Evaluation of High School Plus (HS+) in Montgomery County Public Schools

ERIC Educational Resources Information Center

Modarresi, Shahpar; Wade, Julie; Zhao, Huafang; Wolanin, Natalie

2014-01-01

The MCPS Office of Shared Accountability conducted an evaluation of the "High School Plus" (HS+) program implemented in Montgomery County (Maryland) Public Schools (MCPS). HS+ is one of the intervention programs offered by MCPS to provide additional ways of earning high school credits for students who have failed courses required for…

Unrealistic Optimism in the Pursuit of Academic Success

ERIC Educational Resources Information Center

Lewine, Rich; Sommers, Alison A.

2016-01-01

Although the ability to evaluate one's own knowledge and performance is critical to learning, the correlation between students' self-evaluation and actual performance measures is modest at best. In this study we examine the effect of offering extra credit for students' accurate prediction (self-accuracy) of their performance on four exams in two…

KSC-06pd1292

NASA Image and Video Library

2006-06-30

KENNEDY SPACE CENTER, FLA. - In the Space Station Processing Facility at NASA's Kennedy Space Center, John Hoog packs up food containers with the meals prepared for the crew of mission STS-121. Hoog is a USA-FCE/EVA representative from Johnson Space Center. Astronauts select their own menus from a large array of food items. Astronauts are supplied with three balanced meals, plus snacks. Foods flown on space missions are researched and developed at the Space Food Systems Laboratory at the Johnson Space Center (JSC) in Houston, which is staffed by food scientists, dietitians and engineers. Foods are analyzed through nutritional analysis, sensory evaluation, storage studies, packaging evaluations and many other methods. Each astronaut’s food is stored aboard the space shuttle and is identified by a colored dot affixed to each package. Launch of Space Shuttle Discovery on mission STS-121 is scheduled for July 1. Photo credit: NASA/Jack Pfaller

KSC-06pd1294

NASA Image and Video Library

2006-06-30

KENNEDY SPACE CENTER, FLA. - In the Space Station Processing Facility at NASA's Kennedy Space Center, John Hoog reaches for a container filled with prepared meals for the crew of mission STS-121 to secure it for flight. Hoog is a USA-FCE/EVA representative from Johnson Space Center. Astronauts select their own menus from a large array of food items. Astronauts are supplied with three balanced meals, plus snacks. Foods flown on space missions are researched and developed at the Space Food Systems Laboratory at the Johnson Space Center (JSC) in Houston, which is staffed by food scientists, dietitians and engineers. Foods are analyzed through nutritional analysis, sensory evaluation, storage studies, packaging evaluations and many other methods. Each astronaut’s food is stored aboard the space shuttle and is identified by a colored dot affixed to each package. Launch of Space Shuttle Discovery on mission STS-121 is scheduled for July 1. Photo credit: NASA/Jack Pfaller

KSC-06pd1291

NASA Image and Video Library

2006-06-30

KENNEDY SPACE CENTER, FLA. - In the Space Station Processing Facility at NASA's Kennedy Space Center, John Hoog gets ready to pack the food containers with the meals prepared for the crew of mission STS-121. Hoog is a USA-FCE/EVA representative from Johnson Space Center.Astronauts select their own menus from a large array of food items. Astronauts are supplied with three balanced meals, plus snacks. Foods flown on space missions are researched and developed at the Space Food Systems Laboratory at the Johnson Space Center (JSC) in Houston, which is staffed by food scientists, dietitians and engineers. Foods are analyzed through nutritional analysis, sensory evaluation, storage studies, packaging evaluations and many other methods. Each astronaut’s food is stored aboard the space shuttle and is identified by a colored dot affixed to each package. Launch of Space Shuttle Discovery on mission STS-121 is scheduled for July 1. Photo credit: NASA/Jack Pfaller

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

Code of Federal Regulations, 2010 CFR

2010-01-01

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

48 CFR 19.703 - Eligibility requirements for participating in the program.

Code of Federal Regulations, 2010 CFR

2010-10-01

... which the apparently successful offeror received an evaluation credit for proposing one or more SDB... subcontracting goals for small business and small disadvantaged business (SDB) concerns, regardless of the size...

12 CFR 791.4 - Methods of acting.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 7 2012-01-01 2012-01-01 false Methods of acting. 791.4 Section 791.4 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING THE OPERATIONS OF THE NATIONAL...; PUBLIC OBSERVATION OF NCUA BOARD MEETINGS Rules of NCUA Board Procedure § 791.4 Methods of acting. (a...

13 CFR 305.6 - Allowable methods of procurement for construction services.

Code of Federal Regulations, 2013 CFR

2013-01-01

... design/build, construction management at risk and force account. If an alternate method is used, the... for construction services. 305.6 Section 305.6 Business Credit and Assistance ECONOMIC DEVELOPMENT... Approved Projects § 305.6 Allowable methods of procurement for construction services. (a) Recipients may...

13 CFR 305.6 - Allowable methods of procurement for construction services.

Code of Federal Regulations, 2012 CFR

2012-01-01

... design/build, construction management at risk and force account. If an alternate method is used, the... for construction services. 305.6 Section 305.6 Business Credit and Assistance ECONOMIC DEVELOPMENT... Approved Projects § 305.6 Allowable methods of procurement for construction services. (a) Recipients may...

13 CFR 305.6 - Allowable methods of procurement for construction services.

Code of Federal Regulations, 2014 CFR

2014-01-01

... design/build, construction management at risk and force account. If an alternate method is used, the... for construction services. 305.6 Section 305.6 Business Credit and Assistance ECONOMIC DEVELOPMENT... Approved Projects § 305.6 Allowable methods of procurement for construction services. (a) Recipients may...

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

ERIC Educational Resources Information Center

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

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

Sensing risk, fearing uncertainty: systems science approach to change.

PubMed

Janecka, Ivo P

2014-01-01

Medicine devotes its primary focus to understanding change, from cells to network relationships; observations of non-linearity are inescapable. Recent events provide extraordinary examples of major non-linear surprises within the societal system: human genome-from anticipated 100,000+ genes to only 20,000+; junk DNA-initially ignored but now proven to control genetic processes; economic reversals-bursting of bubbles in technology, housing, finance; foreign wars; relentless rise in obesity, neurodegenerative diseases. There are two attributes of systems science that are especially relevant to this research: One-it offers a method for creating a structural context with a guiding path to pragmatic knowledge; and, two-it gives pre-eminence to sensory input capable to register, evaluate, and react to change. Public domain records of change, during the last 50 years, have been studied in the context of systems science, the dynamic systems model, and various cycles. Change is dynamic, ever-present, never isolated, and of variable impact; it reflects innumerable relationships among contextual systems; change can be perceived as risk or uncertainty depending upon how the assessment is made; risk is quantifiable by sensory input and generates a degree of rational optimism; uncertainty is not quantifiable and evokes fear; trust is key to sharing risk; the measurable financial credit can be a proxy for societal trust; expanding credit dilutes trust; when a credit bubble bursts, so will trust; absence of trust paralyzes systems' relationships leading to disorganized complexity which prevents value creation and heightens the probability of random events; disappearance of value, accompanied by chaos, threatens all systems. From personal health to economic sustainability and collective rationality, most examined components of the societal system were found not to be optimized and trust was not in evidence.

Genotoxic effect of a binary mixture of dicamba- and glyphosate-based commercial herbicide formulations on Rhinella arenarum (Hensel, 1867) (Anura, Bufonidae) late-stage larvae.

PubMed

Soloneski, Sonia; Ruiz de Arcaute, Celeste; Larramendy, Marcelo L

2016-09-01

The acute toxicity of two herbicide formulations, namely, the 57.71 % dicamba (DIC)-based Banvel(®) and the 48 % glyphosate (GLY)-based Credit(®), alone as well as the binary mixture of these herbicides was evaluated on late-stage Rhinella arenarum larvae (stage 36) exposed under laboratory conditions. Mortality was used as an endpoint for determining acute lethal effects, whereas the single-cell gel electrophoresis (SCGE) assay was employed as genotoxic endpoint to study sublethal effects. Lethality studies revealed LC5096 h values of 358.44 and 78.18 mg L(-1) DIC and GLY for Banvel(®) and Credit(®), respectively. SCGE assay revealed, after exposure for 96 h to either 5 and 10 % of the Banvel(®) LC5096 h concentration or 5 and 10 % of the Credit(®) LC5096 h concentration, an equal significant increase of the genetic damage index (GDI) regardless of the concentration of the herbicide assayed. The binary mixtures of 5 % Banvel(®) plus 5 % Credit(®) LC5096 h concentrations and 10 % Banvel(®) plus 10 % Credit(®) LC5096 h concentrations induced equivalent significant increases in the GDI in regard to GDI values from late-stage larvae exposed only to Banvel(®) or Credit(®). This study represents the first experimental evidence of acute lethal and sublethal effects exerted by DIC on the species, as well as the induction of primary DNA breaks by this herbicide in amphibians. Finally, a synergistic effect of the mixture of GLY and DIC on the induction of primary DNA breaks on circulating blood cells of R. arenarum late-stage larvae could be demonstrated.

Environmental evaluation of green concretes versus conventional concrete by means of LCA.

PubMed

Turk, Janez; Cotič, Zvonko; Mladenovič, Ana; Šajna, Aljoša

2015-11-01

A number of green concrete mixes having similar basic properties were evaluated from the environmental point of view by means of the Life Cycle Assessment method, and compared with a corresponding conventional concrete mix. The investigated green concrete mixes were prepared from three different types of industrial by-products, i.e. (1) foundry sand, and (2) steel slag, both of which were used as manufactured aggregates, and (3) fly ash, which was used as a mineral admixture. Some green concrete mixes were also prepared from a recycled aggregate, which was obtained from reinforced concrete waste. In some of the green concrete mixes the recycled aggregate was used in combination with the above-mentioned types of manufactured aggregate and fly ash. All of these materials are able, to some extent, to replace natural aggregate or Portland cement in concrete mixes, thus providing an environmental benefit from the point of view of the saving of natural resources. Taking into account consequential modelling, the credit related to the avoidance of the need to dispose of the waste materials is considered as a benefit. In case of the recycling of waste concrete into aggregate, credit is attributed to the recovery of scrap iron from the steel reinforcement. In the case of the use of steel slag, credit is attributed to the recovery of metals, which are extracted from the slag before being used as an alternative material. The disadvantage of using alternative materials and recycled aggregates can sometimes be their relatively long delivery distance. For this reason, a transport sensitivity analysis was carried out. The results indicate that the use of the discussed alternative and recycled materials is beneficial in the concrete production industry. Preference is given to the fly ash and foundry sand scenarios, and especially to those scenarios which are based on the combined use of recycled aggregate with these two alternative materials. It was found that longer delivery distances of the alternative materials do not necessarily affect the results significantly. However, variable delivery distances may have a greater effect when choosing between different alternative scenarios. Copyright © 2015 Elsevier Ltd. All rights reserved.

Validation of a Formula for Assigning Continuing Education Credit to Printed Home Study Courses

PubMed Central

Hanson, Alan L.

2007-01-01

Objectives To reevaluate and validate the use of a formula for calculating the amount of continuing education credit to be awarded for printed home study courses. Methods Ten home study courses were selected for inclusion in a study to validate the formula, which is based on the number of words, number of final examination questions, and estimated difficulty level of the course. The amount of estimated credit calculated using the a priori formula was compared to the average amount of time required to complete each article based on pharmacists' self-reporting. Results A strong positive relationship between the amount of time required to complete the home study courses based on the a priori calculation and the times reported by pharmacists completing the 10 courses was found (p < 0.001). The correlation accounted for 86.2% of the total variability in the average pharmacist reported completion times (p < 0.001). Conclusions The formula offers an efficient and accurate means of determining the amount of continuing education credit that should be assigned to printed home study courses. PMID:19503705

The Proposal of a BDS Syllabus Framework to Suit Choice Based Credit System (CBCS)

PubMed Central

Sethuraman, KR; Narayan, KA

2016-01-01

Introduction Higher education takes a new dimension universally in the form of choice based Credit System (CBCS). In India, the University Grants Commission (UGC) has made CBCS mandatory in all fields except for Health Profession. Not much attempts were made in designing a BDS syllabus to suit CBCS. Aim Aim of the study was to propose a model dental syllabus to fit into choice based credit system. Materials and Methods A model BDS syllabus Prototype for CBCS was designed based on the UGC guidelines for terms as well as calculations for CBCS. Engineering curriculum models from IIT and Anna University were also referred to. Results Semester based BDS syllabus was designed without changing the norms of Dental Council of India (DCI). All the must know areas of the subjects were considered as “core” areas and the desirable and nice to know areas are left for “electives” by the students. By this method, none of the subject was left out at the same time students are provided with electives to learn deeper on their topics of choice. Conclusion The existing BDS syllabus can be effectively modified by incorporating few changes based on the UGC regulations for Choice based credit system. The proposed framework gives an insight on the nature of modifications that are needed. By adopting this, BDS Course regulations can also follow CBCS without neglecting or reducing the weightage of any subject. PMID:27656467

Methods for Accounting for Co-Teaching in Value-Added Models. Working Paper

ERIC Educational Resources Information Center

Hock, Heinrich; Isenberg, Eric

2012-01-01

Isolating the effect of a given teacher on student achievement (value-added modeling) is complicated when the student is taught the same subject by more than one teacher. We consider three methods, which we call the Partial Credit Method, Teacher Team Method, and Full Roster Method, for estimating teacher effects in the presence of co-teaching.…

20 CFR 220.144 - Evaluation guides for a self-employed claimant.

Code of Federal Regulations, 2010 CFR

2010-04-01

... upon a number of different factors like capital investment, profit sharing agreements, etc. The Board... things raised on the rented farm. If the claimant was given social security earnings credits because he...

20 CFR 220.144 - Evaluation guides for a self-employed claimant.

Code of Federal Regulations, 2011 CFR

2011-04-01

... upon a number of different factors like capital investment, profit sharing agreements, etc. The Board... things raised on the rented farm. If the claimant was given social security earnings credits because he...

Implementation of the U.S. Green Building Council’s LEEDS (trademark) as the Army’s Green Building Rating System

DTIC Science & Technology

2006-01-01

Systems, Thermal Comfort 1 Credit 3 Enhanced Commissioning 1 Credit 7.1 Thermal Comfort , Compliance 1 Credit 4 Enhanced Refrigerant Management 1 Credit 7.2... Thermal Comfort , Validation ? Credit 5 Measurement & Verification 1 Credit 8.1 Daylight & Views, Daylight 75% of Spaces 1 Credit 6 Green Power N...Systems, Thermal Comfort 1 Credit 3 Enhanced Commissioning 1 Credit 7.1 Thermal Comfort , Compliance 1 Credit 4 Enhanced Refrigerant Management 1 Credit 7.2

Modeling Item-Level and Step-Level Invariance Effects in Polytomous Items Using the Partial Credit Model

ERIC Educational Resources Information Center

Gattamorta, Karina A.; Penfield, Randall D.; Myers, Nicholas D.

2012-01-01

Measurement invariance is a common consideration in the evaluation of the validity and fairness of test scores when the tested population contains distinct groups of examinees, such as examinees receiving different forms of a translated test. Measurement invariance in polytomous items has traditionally been evaluated at the item-level,…

Istartsmart: An Evaluative Study on a College Success Course

ERIC Educational Resources Information Center

Kruse, Heather L.

2014-01-01

The researcher for this evaluative study investigated the efficacy and impact of the iStartSmart college success course by examining the first-term retention, fall-to-fall persistence, and three-year completion rates of community college students who enrolled in the one- or three-credit course at a community college in Arizona and the rates of…

Program Evaluation and Replications of School-Based Mental Health Services and Family-Community Interventions with Chronically Disruptive Students

ERIC Educational Resources Information Center

Carpenter-Aeby, Tracy; Aeby, Victor G.

2005-01-01

Although outcomes for alternative schools may be mixed, it is generally agreed that counseling, therapy, group work, case management, and family-community involvement have been credited in some effective programs. This study examined program evaluations from 1994-1999 for an alternative school for chronically disruptive students (599 students,…

An Integrative Lesson on Searching, Tracking Citations, and Evaluating a Scholarly Article

ERIC Educational Resources Information Center

Ragains, Patrick

2013-01-01

In this column, the author discusses a lesson in the credit-bearing information literacy course for honors undergraduates at the University of Nevada, Reno (UNR). The lesson comes last in a unit including resource instruction, search practice, and culminating in the reading and evaluation of a scholarly work. The course, Honors 235: Research in…

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

PubMed

Robertson, Morgan; Hayden, Nicholas

2008-06-01

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

Consumer Handbook to Credit Protection Laws.

ERIC Educational Resources Information Center

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

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

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

Federal Register 2010, 2011, 2012, 2013, 2014

2010-04-05

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

20 CFR 210.6 - Service credited for creditable military service.

Code of Federal Regulations, 2010 CFR

2010-04-01

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

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

Code of Federal Regulations, 2010 CFR

2010-01-01

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

76 FR 22156 - Agency Information Collection Activities: Submission to OMB for Review; Comment Request

Federal Register 2010, 2011, 2012, 2013, 2014

2011-04-20

... troubled or newly chartered credit unions to determine their fitness for the position. These forms standardize the information gathered to evaluate the individual's fitness for the position. The format is...

76 FR 9821 - Agency Information Collection Activities: Submission to OMB for Review; Comment Request

Federal Register 2010, 2011, 2012, 2013, 2014

2011-02-22

... troubled or newly chartered credit unions to determine their fitness for the position. These forms standardize the information gathered to evaluate the individual's fitness for the position. The format is...

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

Code of Federal Regulations, 2011 CFR

2011-01-01

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

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

Code of Federal Regulations, 2010 CFR

2010-01-01

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

Reports on...Credit and Other Financial Issues.

ERIC Educational Resources Information Center

TRW Information Systems and Services, Orange, CA.

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

Transitioning youth to adult healthcare: new tools from the Illinois Transition Care Project.

PubMed

Sanabria, K E; Ruch-Ross, H S; Bargeron, J L; Contri, D A; Kalichman, M A

2015-01-01

To improve youths' transition to adult healthcare, especially for youth with disabilities, The Illinois Transition Care Project created separate, yet complementary, curricula for pediatric and adult-oriented providers. Content from the curricula was tested by practicing physicians. The project created a library of skill worksheets with functional goals for patients. All methods included opportunities to teach life skills to patients to independently manage their conditions. The curricula used Maintenance of Certification (MOC) Part 4 credit as an incentive for physician participation. Pediatric pilot data indicate improvement across all sites and activities. Adult medicine results indicate increased perceived importance and feasibility of accepting young adult patients with childhood conditions. Patient/parent reviewers indicate the tools are understandable, interesting, and effective. Findings suggest the curricula, with MOC Part 4 credit for physicians, are effective in improving transition care. Project results provided new information on population management for transitioning youth and on the use of MOC Part 4 credit as an incentive. Findings have implications for primary care and specialty physicians, team-based care, teaching self-management skills to patients and methods for engaging adult-oriented physicians in the transition process.

Spartan service module finite element modeling technique and analysis

NASA Technical Reports Server (NTRS)

Lindenmoyer, A. J.

1985-01-01

Sounding rockets have served as a relatively inexpensive and easy method of carrying experiments into the upper atmosphere. Limited observation time and pointing capabilities suggested the development of a new sounding rocket type carrier compatible with NASA's Space Transportation System. This concept evolved into the Spartan program, now credited with a successful Spartan 101 mission launched in June 1985. The next series of Spartans will use a service module primary structure. This newly designed reusable and universal component in the Spartan carrier system required thorough analysis and evaluation for flight certification. Using advanced finite element modeling techniques, the structure was analyzed and determined acceptable by meeting strict design goals and will be tested for verification of the analytical results.

Modern evaluation of patents

NASA Astrophysics Data System (ADS)

Ignat, V.

2016-08-01

The number of patents is not so important as the market value. The market value is especially important for licensing of patents, make-or-buy decisions for technology procurement, corporate finance. Patents can be used as collateral for financing. Patents and credit approvals: without patents only 46% and with patents 54%. The value share of knowledge-based components to industrial products already reached 50% and it is still rising. OECD called these developments under the slogan "knowledge economy”. German Norm-DIN 77100 provides a working method for monetary evaluation of a patent. The value of a patent arises from its use. A patent can be used to protect or to earn licensing revenues. An evaluation expertise is required in areas, such as marketing, finance, R & D and strategic planning. As an indicator of the value of a patent is often used the number of citations. The number of a patent citation refers to its meaning and value. Other indicators would be: size of the patent family, validity of the patent, result of objections against patent application, number and quality of claims. The analysis of 9.000 patents resulted that only 7.2% worth over 10 million euro and 68% below 1 million euro. The cost method: it is considered the cost that would be incurred for the development and patenting of a similar invention. The market method: are used the prices that have been achieved in comparable with recently transactions. The Income method: the potential reward is measured, which can arise from a patent. The evaluation will be in the following areas: legal status, technology, market conditions, finance and strategy. Each question relates to a different parameter of a value.

1. Credit PSR. This view displays the north and west ...

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

1. Credit PSR. This view displays the north and west facades of Test Stand "G" (Vibration Facility) as seen when looking east southeast (110°). Test Stand "G" no longer houses the vibrator; it now houses an autoclave due to the changing nature of the testing work. The Vibration Facility was Test Stand "G"'s historic function. Test Stand "E" is at the far right. The Vibration Facility subjected motor and engine assemblies to various vibration patterns in order to simulate flight conditions and evaluate the durability of engine and motor designs. - Jet Propulsion Laboratory Edwards Facility, Test Stand G, Edwards Air Force Base, Boron, Kern County, CA

Association of HMO penetration and other credit quality factors with tax-exempt bond yields.

PubMed

McCue, M J

1997-01-01

This paper evaluates the relationship of HMO penetration, as well as other credit quality measures of market, institutional, operational, and financial traits, to tax-exempt bond yields. The study analyzed more than 1,500 bond issues from 1990 through 1993 and corrected for simultaneous relationships between bond size and yield and selection bias. The study found lower bond yields for hospitals located in markets with no HMO penetration. Lower yields for bond issues also were found for facilities generating higher numbers of days cash on hand and greater debt service coverage. Finally, results show that hospitals with higher occupancy rates achieve a lower yield.

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

Code of Federal Regulations, 2010 CFR

2010-01-01

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

12 CFR 226.57 - Reporting and marketing rules for college student open-end credit.

Code of Federal Regulations, 2012 CFR

2012-01-01

... to Credit Card Accounts and Open-End Credit Offered to College Students § 226.57 Reporting and marketing rules for college student open-end credit. (a) Definitions: (1) College student credit card. The term “college student credit card” as used in this section means a credit card issued under a credit...

12 CFR 226.57 - Reporting and marketing rules for college student open-end credit.

Code of Federal Regulations, 2013 CFR

2013-01-01

... Applicable to Credit Card Accounts and Open-End Credit Offered to College Students § 226.57 Reporting and marketing rules for college student open-end credit. (a) Definitions: (1) College student credit card. The term “college student credit card” as used in this section means a credit card issued under a credit...

12 CFR 226.57 - Reporting and marketing rules for college student open-end credit.

Code of Federal Regulations, 2011 CFR

2011-01-01

... to Credit Card Accounts and Open-End Credit Offered to College Students § 226.57 Reporting and marketing rules for college student open-end credit. (a) Definitions: (1) College student credit card. The term “college student credit card” as used in this section means a credit card issued under a credit...

12 CFR 226.57 - Reporting and marketing rules for college student open-end credit.

Code of Federal Regulations, 2014 CFR

2014-01-01

... Applicable to Credit Card Accounts and Open-End Credit Offered to College Students § 226.57 Reporting and marketing rules for college student open-end credit. (a) Definitions: (1) College student credit card. The term “college student credit card” as used in this section means a credit card issued under a credit...

Ecological outcomes and evaluation of success in passively restored southeastern depressional wetlands.

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

De Steven, Diane; Sharitz, Rebecca R.; Barton, Christopher, D.

Abstract: Depressional wetlands may be restored passively by disrupting prior drainage to recover original hydrology and relying on natural revegetation. Restored hydrology selects for wetland vegetation; however, depression geomorphology constrains the achievable hydroperiod, and plant communities are influenced by hydroperiod and available species pools. Such constraints can complicate assessments of restoration success. Sixteen drained depressions in South Carolina, USA, were restored experimentally by forest clearing and ditch plugging for potential crediting to a mitigation bank. Depressions were assigned to alternate revegetation methods representing desired targets of herbaceous and wet-forest communities. After five years, restoration progress and revegetation methods were evaluated.more » Restored hydroperiods differed among wetlands, but all sites developed diverse vegetation of native wetland species. Vegetation traits were influenced by hydroperiod and the effects of early drought, rather than by revegetation method. For mitigation banking, individual wetlands were assessed for improvement from pre-restoration condition and similarity to assigned reference type. Most wetlands met goals to increase hydroperiod, herb-species dominance, and wetland-plant composition. Fewer wetlands achieved equivalence to reference types because some vegetation targets were incompatible with depression hydroperiods and improbable without intensive management. The results illustrated a paradox in judging success when vegetation goals may be unsuited to system constraints.« less

Environmental optimization of chromium recovery from tannery sludge using a life cycle assessment approach.

PubMed

Kiliç, Eylem; Puig, Rita; Baquero, Grau; Font, Joaquim; Colak, Selime; Gürler, Deniz

2011-08-15

Life cycle assessment (LCA) was used to evaluate the environmental impact of an oxidative chromium recovery method from tannery sludge, in comparison with the usual landfilling process. Three improvement options (water reduction, byproduct use and anaerobic sludge digestion) were considered. The results showed that the proposed chromium recovery process would be better environmentally than conventional landfilling in all the evaluated impact categories if the amount of chromium recovered was 43 kg per ton of sludge. This amount could be recovered if the chromium concentration was about 20 times higher than that considered in this study. Alternatively, a lower chromium concentration would produce a better result if the recovery method was optimized and implemented at industrial rather than laboratory scale, and if more accurate data were provided on environmental credits for avoiding the chromium production process. Thus, the recovery method is environmentally beneficial when tannery sludge contains a chromium concentration of about 100,000 ppm. According to the literature, such concentrations are not unusual. The results could serve as the basis for further environmental improvements in chromium recovery and tannery sludge management and should be used in decision-making processes, especially for end-of-pipe treatments. Copyright © 2011 Elsevier B.V. All rights reserved.

Risk and markets for ecosystem services.

PubMed

Bendor, Todd K; Riggsbee, J Adam; Doyle, Martin

2011-12-15

Market-based environmental regulations (e.g., cap and trade, "payments for ecosystem services") are increasingly common. However, few detailed studies of operating ecosystem markets have lent understanding to how such policies affect incentive structures for improving environmental quality. The largest U.S. market stems from the Clean Water Act provisions requiring ecosystem restoration to offset aquatic ecosystems damaged during development. We describe and test how variations in the rules governing this ecosystem market shift risk between regulators and entrepreneurs to promote ecological restoration. We analyze extensive national scale data to assess how two critical aspects of market structure - (a) the geographic scale of markets and (b) policies dictating the release of credits - affect the willingness of entrepreneurs to enter specific markets and produce credits. We find no discernible relationship between policies attempting to ease market entry and either the number of individual producers or total credits produced. Rather, market entry is primarily related to regional geography (the prevalence of aquatic ecosystems) and regional economic growth. Any improvements to policies governing ecosystem markets require explicit evaluation of the interplay between policy and risk elements affecting both regulators and entrepreneurial credit providers. Our findings extend to emerging, regulated ecosystem markets, including proposed carbon offset mechanisms, biodiversity banking, and water quality trading programs.

Examining the efficiency and interdependence of US credit and stock markets through MF-DFA and MF-DXA approaches

NASA Astrophysics Data System (ADS)

Shahzad, Syed Jawad Hussain; Nor, Safwan Mohd; Mensi, Walid; Kumar, Ronald Ravinesh

2017-04-01

This study examines the power law properties of 11 US credit and stock markets at the industry level. We use multifractal detrended fluctuation analysis (MF-DFA) and multifractal detrended cross-correlation analysis (MF-DXA) to first investigate the relative efficiency of credit and stock markets and then evaluate the mutual interdependence between CDS-equity market pairs. The scaling exponents of the MF-DFA approach suggest that CDS markets are relatively more inefficient than their equity counterparts. However, Banks and Financial credit markets are relatively more efficient. Basic Materials (both CDS and equity indices) is the most inefficient sector of the US economy. The cross-correlation exponents obtained through MF-DXA also suggest that the relationship of the CDS and equity sectors within and across markets is multifractal for all pairs. Within the CDS market, Basic Materials is the most dependent sector, whereas equity market sectors can be divided into two distinct groups based on interdependence. The pair-wise dependence between Basic Materials sector CDSs and the equity index is also the highest. The degree of cross-correlation shows that the sectoral pairs of CDS and equity markets belong to a persistent cross-correlated series within selected time intervals.

A Leadership Elective Course Developed and Taught by Graduate Students

PubMed Central

Garza, Oscar W.; Witry, Matthew J.; Chang, Elizabeth H.; Letendre, Donald E.; Trewet, CoraLynn B.

2013-01-01

Objective. To develop and implement a flexible-credit elective course to empower student pharmacists to develop lifelong leadership skills and provide teaching practice opportunities for graduate students. Design. An elective course focusing on leadership development for second- and third-year doctor of pharmacy (PharmD) students was designed and taught by 4 graduate students under the mentorship of 2 faculty members. Student pharmacists could enroll in a 1-, 2-, or 3-credit-hour version of the course. Assessment. Attainment of course objectives was measured using student pharmacist reflection papers and continuing professional development portfolios. Additionally, self-assessments of graduate students and faculty members delivering the course were conducted. In their responses on course evaluations, student pharmacists indicated they found the course a valuable learning experience. Graduate students found course development to be challenging but useful in developing faculty skills. Conclusion. This flexible-credit elective course taught by graduate students was an innovative way to offer formal leadership instruction using limited college resources. PMID:24371347

FraudMiner: A Novel Credit Card Fraud Detection Model Based on Frequent Itemset Mining

PubMed Central

Seeja, K. R.; Zareapoor, Masoumeh

2014-01-01

This paper proposes an intelligent credit card fraud detection model for detecting fraud from highly imbalanced and anonymous credit card transaction datasets. The class imbalance problem is handled by finding legal as well as fraud transaction patterns for each customer by using frequent itemset mining. A matching algorithm is also proposed to find to which pattern (legal or fraud) the incoming transaction of a particular customer is closer and a decision is made accordingly. In order to handle the anonymous nature of the data, no preference is given to any of the attributes and each attribute is considered equally for finding the patterns. The performance evaluation of the proposed model is done on UCSD Data Mining Contest 2009 Dataset (anonymous and imbalanced) and it is found that the proposed model has very high fraud detection rate, balanced classification rate, Matthews correlation coefficient, and very less false alarm rate than other state-of-the-art classifiers. PMID:25302317

Evaluation of “Credit Card” Libraries for Inhibition of HIV-1 gp41 Fusogenic Core Formation

PubMed Central

Xu, Yang; Lu, Hong; Kennedy, Jack P.; Yan, Xuxia; McAllister, Laura; Yamamoto, Noboru; Moss, Jason A.; Boldt, Grant E.; Jiang, Shibo; Janda, Kim D.

2008-01-01

Protein-protein interactions are of critical importance in biological systems and small molecule modulators of such protein recognition and intervention processes are of particular interests. To investigate this area of research, we have synthesized small molecule libraries that can disrupt a number of biologically relevant protein-protein interactions. These library members are designed upon planar motifs, appended with a variety of chemical functions, which we have termed as “credit-card” structures. From two of our “credit-card” libraries, a series of molecules were uncovered which act as inhibitors against the HIV-1 gp41 fusogenic 6-helix bundle core formation, viral antigen p24 formation and cell-cell fusion at low micromolar concentrations. From the high-throughput screening assays we utilized, a selective index (SI) value of 4.2 was uncovered for compound 2261, which bodes well for future structure activity investigations and the design of more potent gp41 inhibitors. PMID:16827565

FraudMiner: a novel credit card fraud detection model based on frequent itemset mining.

PubMed

Seeja, K R; Zareapoor, Masoumeh

2014-01-01

This paper proposes an intelligent credit card fraud detection model for detecting fraud from highly imbalanced and anonymous credit card transaction datasets. The class imbalance problem is handled by finding legal as well as fraud transaction patterns for each customer by using frequent itemset mining. A matching algorithm is also proposed to find to which pattern (legal or fraud) the incoming transaction of a particular customer is closer and a decision is made accordingly. In order to handle the anonymous nature of the data, no preference is given to any of the attributes and each attribute is considered equally for finding the patterns. The performance evaluation of the proposed model is done on UCSD Data Mining Contest 2009 Dataset (anonymous and imbalanced) and it is found that the proposed model has very high fraud detection rate, balanced classification rate, Matthews correlation coefficient, and very less false alarm rate than other state-of-the-art classifiers.

Microcredit in theory and practice: using randomized credit scoring for impact evaluation.

PubMed

Karlan, Dean; Zinman, Jonathan

2011-06-10

Microcredit institutions spend billions of dollars fighting poverty by making small loans primarily to female entrepreneurs. Proponents argue that microcredit mitigates market failures, spurs micro-enterprise growth, and boosts borrowers' well-being. We tested these hypotheses with the use of an innovative, replicable experimental design that randomly assigned individual liability microloans (of $225 on average) to 1601 individuals in the Philippines through credit scoring. After 11 to 22 months, we found evidence consistent with unmet demand at the current price (a roughly 60% annualized interest rate): Net borrowing increased in the treatment group relative to controls. However, the number of business activities and employees in the treatment group decreased relative to controls, and subjective well-being declined slightly. We also found little evidence that treatment effects were more pronounced for women. However, we did find that microloans increase ability to cope with risk, strengthen community ties, and increase access to informal credit. Thus, microcredit here may work, but through channels different from those often hypothesized by its proponents.

Time Discounting and Credit Market Access in a Large-Scale Cash Transfer Programme

PubMed Central

Handa, Sudhanshu; Martorano, Bruno; Halpern, Carolyn; Pettifor, Audrey; Thirumurthy, Harsha

2017-01-01

Summary Time discounting is thought to influence decision-making in almost every sphere of life, including personal finances, diet, exercise and sexual behavior. In this article we provide evidence on whether a national poverty alleviation program in Kenya can affect inter-temporal decisions. We administered a preferences module as part of a large-scale impact evaluation of the Kenyan Government’s Cash Transfer for Orphans and Vulnerable Children. Four years into the program we find that individuals in the treatment group are only marginally more likely to wait for future money, due in part to the erosion of the value of the transfer by inflation. However among the poorest households for whom the value of transfer is still relatively large we find significant program effects on the propensity to wait. We also find strong program effects among those who have access to credit markets though the program itself does not improve access to credit. PMID:28260842

Credit Enhancements and Capital Markets to Fund Solar Deployment: Leveraging Public Funds to Open Private Sector Investment

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

Mendelsohn, Michael; Urdanick, Marley; Joshi, John

2015-02-01

Credit enhancements represent a variety of financial support structures that are designed to reduce risk to those holding the debt, including debt raised via a securitization process, and thus lower the required yield associated with the security. The purpose of all forms of credit enhancement is to increase the collateral against which notes are secured (Lin,1999). The following section evaluates is not guaranteed. Perceived risks of the solar asset class--including those related to technology, offtaker creditworthiness, and regulatory policy--can increase the required yield, increase probability of investor loss of interest and/or principal, or both. In many cases, this is amore » cyclical phenomenon: risk perception is fed by lack of historical knowledge, which is in turn fed by risk perception. Therefore, successful access to capital market investment in order to spur low-cost solar deployment depends on the success of this initial fledgling period.« less

ASTRONAUT MANEUVERING UNIT (AMU) - GEMINI 12 - EVALUATION - ASTRONAUT ALDRIN - MCDONNELL AIRCRAFT CORP. (MDAC), M0

NASA Image and Video Library

1966-08-15

S66-51073 (15 Aug. 1966) --- Astronaut Edwin E. Aldrin Jr., prime crew pilot of the Gemini-12 spaceflight, undergoes evaluation procedures with the Astronaut Maneuvering Unit in the 30-foot altitude chamber at McDonnell. The suited Aldrin is wearing an AMU backpack and an Extravehicular Life Support System (ELSS) chest pack. Photo credit: NASA

Evaluating the Impact of the Erasmus Programme: Skills and European Identity

ERIC Educational Resources Information Center

Jacobone, Vittoria; Moro, Giuseppe

2015-01-01

The primary purpose of this study lies in the evaluation of what students acquire from studies abroad in the context of credit mobility, in terms of competence development and personal growth, compared with that gained by students completing their study or internship in their home country. A pre-post test design, with both an experimental group…

NovaNET 2008-09 Evaluation. Impact Evaluation. E&R Report No. 09.36

ERIC Educational Resources Information Center

Bulgakov-Cook, Dina

2010-01-01

NovaNET is a technology-based teacher-facilitated educational approach used at schools to support students at risk of not meeting graduation requirements to accrue credits in a variety of subjects. NovaNET contributes to the WCPSS goal of closing achievement gaps and creating opportunities for all students to graduate on time. In 2008-09, 38…

Evaluation of the Self-Employment for Gecekondu Women Project, November 1995-June 1998. Working Papers in Early Childhood Development.

ERIC Educational Resources Information Center

Aksoy, Asu; Schilen, Sandra; Ulgen, Tulu

This paper stems from an evaluation of Turkey's first microcredit project aimed specifically at women, which was carried out with data derived through the Foundation for the Support of Women's Work (FFSW)'s Management Information System (which tracks credit users and repayment performance), application forms from women who applied for and received…

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

Federal Register 2010, 2011, 2012, 2013, 2014

2010-04-08

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

A Cashless Society? The Plastic Revolution. Resources in Technology.

ERIC Educational Resources Information Center

Ritz, John M.

1993-01-01

Relates the history of credit cards, their evolution to current forms, and innovations (debit cards, token cards, smart cards). Considers their sociocultural impact. Provides a design brief, including objectives, resources, evaluation criteria, outcomes, and a quiz. (SK)

12 CFR 223.15 - May a member bank purchase a low-quality asset from an affiliate?

Code of Federal Regulations, 2010 CFR

2010-01-01

..., pursuant to an independent credit evaluation, the member bank had committed itself to purchase the asset... enhancing the ultimate collection of the original indebtedness, by the board of directors of the...

7 CFR 4279.234 - Credit evaluation.

Code of Federal Regulations, 2012 CFR

2012-01-01

... Agriculture Regulations of the Department of Agriculture (Continued) RURAL BUSINESS-COOPERATIVE SERVICE AND RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE GUARANTEED LOANMAKING Biorefinery Assistance Loans... section apply to loans guaranteed under this subpart. For all applications for guarantee, the lender must...

7 CFR 4279.234 - Credit evaluation.

Code of Federal Regulations, 2013 CFR

2013-01-01

... Agriculture Regulations of the Department of Agriculture (Continued) RURAL BUSINESS-COOPERATIVE SERVICE AND RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE GUARANTEED LOANMAKING Biorefinery Assistance Loans... section apply to loans guaranteed under this subpart. For all applications for guarantee, the lender must...

7 CFR 4279.234 - Credit evaluation.

Code of Federal Regulations, 2014 CFR

2014-01-01

... Agriculture Regulations of the Department of Agriculture (Continued) RURAL BUSINESS-COOPERATIVE SERVICE AND RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE GUARANTEED LOANMAKING Biorefinery Assistance Loans... section apply to loans guaranteed under this subpart. For all applications for guarantee, the lender must...

78 FR 3895 - Agency Information Collection Activities: Announcement of Board Approval Under Delegated...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-01-17

... maintain their ALLL. Although Financial Accounting Standards Board (FASB) Accounting Standards Update No... investment amounts by impairment measurement method for only three segments: consumer credit cards, all other... recorded investment amounts by impairment measurement method for five loan categories: commercial real...

12 CFR 567.11 - Reservation of authority.

Code of Federal Regulations, 2010 CFR

2010-01-01

... assigned risk weight for any asset, or credit equivalent amount or credit conversion factor for any off... require the savings association to apply another risk-weight, credit equivalent amount, or credit..., credit equivalent amount, or credit conversion factor, OTS may assign any risk weight, credit equivalent...

The complete proof on the optimal ordering policy under cash discount and trade credit

NASA Astrophysics Data System (ADS)

Chung, Kun-Jen

2010-04-01

Huang ((2005), 'Buyer's Optimal Ordering Policy and Payment Policy under Supplier Credit', International Journal of Systems Science, 36, 801-807) investigates the buyer's optimal ordering policy and payment policy under supplier credit. His inventory model is correct and interesting. Basically, he uses an algebraic method to locate the optimal solution of the annual total relevant cost TRC(T) and ignores the role of the functional behaviour of TRC(T) in locating the optimal solution of it. However, as argued in this article, Huang needs to explore the functional behaviour of TRC(T) to justify his solution. So, from the viewpoint of logic, the proof about Theorem 1 in Huang has some shortcomings such that the validity of Theorem 1 in Huang is questionable. The main purpose of this article is to remove and correct those shortcomings in Huang and present the complete proofs for Huang.

Maximum Marginal Likelihood Estimation of a Monotonic Polynomial Generalized Partial Credit Model with Applications to Multiple Group Analysis.

PubMed

Falk, Carl F; Cai, Li

2016-06-01

We present a semi-parametric approach to estimating item response functions (IRF) useful when the true IRF does not strictly follow commonly used functions. Our approach replaces the linear predictor of the generalized partial credit model with a monotonic polynomial. The model includes the regular generalized partial credit model at the lowest order polynomial. Our approach extends Liang's (A semi-parametric approach to estimate IRFs, Unpublished doctoral dissertation, 2007) method for dichotomous item responses to the case of polytomous data. Furthermore, item parameter estimation is implemented with maximum marginal likelihood using the Bock-Aitkin EM algorithm, thereby facilitating multiple group analyses useful in operational settings. Our approach is demonstrated on both educational and psychological data. We present simulation results comparing our approach to more standard IRF estimation approaches and other non-parametric and semi-parametric alternatives.

Effect of Control Blade History, and Axial Coolant Density and Burnup Profiles on BWR Burnup Credit

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

Ade, Brian J; Marshall, William BJ J; Martinez-Gonzalez, Jesus S

Oak Ridge National Laboratory (ORNL) and the US Nuclear Regulatory Commission (NRC) have initiated a multiyear project to investigate the application of burnup credit (BUC) for boiling water reactor (BWR) fuel in storage and transportation systems (often referred to as casks) and spent fuel pools (SFPs). This work is divided into two main phases. The first phase investigated the applicability of peak reactivity methods currently used in SFPs to transportation and storage casks and the validation of reactivity calculations and spent fuel compositions within these methods. The second phase focuses on extending BUC beyond peak reactivity. This paper documents themore » analysis of the effects of control blade insertion history, and moderator density and burnup axial profiles for extended BWR BUC.« less

31 CFR 103.121 - Customer Identification Programs for banks, savings associations, credit unions, and certain non...

Code of Federal Regulations, 2010 CFR

2010-07-01

... safety deposit box or other safekeeping services, or cash management, custodian, and trust services. (ii... documents, non-documentary methods, or a combination of both methods as described in this paragraph (b)(2... agreement, or trust instrument. (B) Verification through non-documentary methods. For a bank relying on non...

20 CFR 211.7 - Compensation credited for creditable military service.

Code of Federal Regulations, 2010 CFR

2010-04-01

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

Financing the American Consumer: A Business Report on Consumer Credit. Part II--Committee Reports. Report of the Sub-Council on Credit and Related Terms of Sale of the National Business Council for Consumer Affairs.

ERIC Educational Resources Information Center

National Business Council for Consumer Affairs, Washington, DC.

A companion volume to Part I--Summary Report, this volume contains the reports of four committees. Topics are: (1) The Role and Functioning of Consumer Credit (consumer credit and social policy, consumer credit and economic growth, structure of the consumer credit market, the economics of consumer credit, credit revenues, credit costs, and a model…

12 CFR 619.9020 - Agricultural credit banks.

Code of Federal Regulations, 2011 CFR

2011-01-01

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

12 CFR 561.12 - Consumer credit.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

17 CFR 256.255 - Accumulated deferred investment tax credits.

Code of Federal Regulations, 2010 CFR

2010-04-01

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

12 CFR 619.9020 - Agricultural credit banks.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

Predicting financial trouble using call data—On social capital, phone logs, and financial trouble

PubMed Central

Lin, Chia-Ching; Chen, Kuan-Ta; Singh, Vivek Kumar

2018-01-01

An ability to understand and predict financial wellbeing for individuals is of interest to economists, policy designers, financial institutions, and the individuals themselves. According to the Nilson reports, there were more than 3 billion credit cards in use in 2013, accounting for purchases exceeding US$ 2.2 trillion, and according to the Federal Reserve report, 39% of American households were carrying credit card debt from month to month. Prior literature has connected individual financial wellbeing with social capital. However, as yet, there is limited empirical evidence connecting social interaction behavior with financial outcomes. This work reports results from one of the largest known studies connecting financial outcomes and phone-based social behavior (180,000 individuals; 2 years’ time frame; 82.2 million monthly bills, and 350 million call logs). Our methodology tackles highly imbalanced dataset, which is a pertinent problem with modelling credit risk behavior, and offers a novel hybrid method that yields improvements over, both, a traditional transaction data only approach, and an approach that uses only call data. The results pave way for better financial modelling of billions of unbanked and underbanked customers using non-traditional metrics like phone-based credit scoring. PMID:29474411

Data mining technique for a secure electronic payment transaction using MJk-RSA in mobile computing

NASA Astrophysics Data System (ADS)

G. V., Ramesh Babu; Narayana, G.; Sulaiman, A.; Padmavathamma, M.

2012-04-01

Due to the evolution of the Electronic Learning (E-Learning), one can easily get desired information on computer or mobile system connected through Internet. Currently E-Learning materials are easily accessible on the desktop computer system, but in future, most of the information shall also be available on small digital devices like Mobile, PDA, etc. Most of the E-Learning materials are paid and customer has to pay entire amount through credit/debit card system. Therefore, it is very important to study about the security of the credit/debit card numbers. The present paper is an attempt in this direction and a security technique is presented to secure the credit/debit card numbers supplied over the Internet to access the E-Learning materials or any kind of purchase through Internet. A well known method i.e. Data Cube Technique is used to design the security model of the credit/debit card system. The major objective of this paper is to design a practical electronic payment protocol which is the safest and most secured mode of transaction. This technique may reduce fake transactions which are above 20% at the global level.

Predicting financial trouble using call data-On social capital, phone logs, and financial trouble.

PubMed

Agarwal, Rishav Raj; Lin, Chia-Ching; Chen, Kuan-Ta; Singh, Vivek Kumar

2018-01-01

An ability to understand and predict financial wellbeing for individuals is of interest to economists, policy designers, financial institutions, and the individuals themselves. According to the Nilson reports, there were more than 3 billion credit cards in use in 2013, accounting for purchases exceeding US$ 2.2 trillion, and according to the Federal Reserve report, 39% of American households were carrying credit card debt from month to month. Prior literature has connected individual financial wellbeing with social capital. However, as yet, there is limited empirical evidence connecting social interaction behavior with financial outcomes. This work reports results from one of the largest known studies connecting financial outcomes and phone-based social behavior (180,000 individuals; 2 years' time frame; 82.2 million monthly bills, and 350 million call logs). Our methodology tackles highly imbalanced dataset, which is a pertinent problem with modelling credit risk behavior, and offers a novel hybrid method that yields improvements over, both, a traditional transaction data only approach, and an approach that uses only call data. The results pave way for better financial modelling of billions of unbanked and underbanked customers using non-traditional metrics like phone-based credit scoring.

Habitat Evaluation Procedures (HEP) Report; Iskuulpa Wildlife Mitigation and Watershed Project, Technical Report 1998-2003.

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

Quaempts, Eric

U.S. Fish and Wildlife Service (USFWS) Habitat Evaluation Procedures (HEP) were used to determine the number of habitat units credited to evaluate lands acquired and leased in Eskuulpa Watershed, a Confederated Tribes of the Umatilla Indian Reservation watershed and wildlife mitigation project. The project is designed to partially credit habitat losses incurred by BPA for the construction of the John Day and McNary hydroelectric facilities on the Columbia River. Upland and riparian forest, upland and riparian shrub, and grasslands cover types were included in the evaluation. Indicator species included downy woodpecker (Picuides puhescens), black-capped chickadee (Pams atricopillus), blue grouse (Beadragapusmore » obscurus), great blue heron (Ardea herodias), yellow warbler (Dendroica petschia), mink (Mustela vison), and Western meadowlark (Sturnello neglects). Habitat surveys were conducted in 1998 and 1999 in accordance with published HEP protocols and included 55,500 feet of transects, 678 m2 plots, and 243 one-tenth-acre plots. Between 123.9 and f 0,794.4 acres were evaluated for each indicator species. Derived habitat suitability indices were multiplied by corresponding cover-type acreages to determine the number of habitat units for each species. The total habitat units credited to BPA for the Iskuulpa Watershed Project and its seven indicator species is 4,567.8 habitat units. Factors limiting habitat suitability are related to the direct, indirect, and cumulative effects of past livestock grazing, road construction, and timber harvest, which have simplified the structure, composition, and diversity of native plant communities. Alternatives for protecting and improving habitat suitability include exclusion of livestock grazing or implementation of restoration grazing schemes, road de-commissioning, reforestation, large woody debris additions to floodplains, control of competing and unwanted vegetation, reestablishing displaced or reduced native vegetation species, and the allowance of normative processes such as fire occurrence. Implementation of these alternatives could generate an estimated minimum of 393 enhancement credits in 10 years. Longer-term benefits of protection and enhancement activities include increases in native species diversity and structural complexity in all cover types. While such benefits are not readily recognized by HEP models and reflected in the number of habitat units generated, they also provide dual benefits for fisheries resources. Implementation of the alternatives will require long-term commitments from managers to increase probabilities of success and meet the goals and objectives of the Northwest Power Planning Council's Fish and Wildlife Mitigation Program.« less

45 CFR 148.124 - Certification and disclosure of coverage.

Code of Federal Regulations, 2010 CFR

2010-10-01

... method of counting creditable coverage, and the requesting entity may identify specific information that... a payroll deduction for health coverage, a health insurance identification card, a certificate of...

12 CFR 619.9140 - Farm Credit bank(s).

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Farm Credit bank(s). 619.9140 Section 619.9140 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9140 Farm Credit bank(s). Except as otherwise defined, the term Farm Credit bank(s) includes Farm Credit Banks...

12 CFR 619.9140 - Farm Credit bank(s).

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 6 2011-01-01 2011-01-01 false Farm Credit bank(s). 619.9140 Section 619.9140 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9140 Farm Credit bank(s). Except as otherwise defined, the term Farm Credit bank(s) includes Farm Credit Banks...

12 CFR 560.3 - Definitions.

Code of Federal Regulations, 2010 CFR

2010-01-01

...)). Consumer loans do not include credit extended in connection with credit card loans, bona fide overdraft... authority other than section 5(c)(2)(D) of the HOLA. Credit card is any card, plate, coupon book, or other single credit device that may be used from time to time to obtain credit. Credit card account is a credit...

7 CFR 1030.55 - Transportation credits and assembly credits.

Code of Federal Regulations, 2011 CFR

2011-01-01

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

7 CFR 1030.55 - Transportation credits and assembly credits.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

7 CFR 1030.55 - Transportation credits and assembly credits.

Code of Federal Regulations, 2013 CFR

2013-01-01

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

7 CFR 1030.55 - Transportation credits and assembly credits.

Code of Federal Regulations, 2012 CFR

2012-01-01

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

7 CFR 1030.55 - Transportation credits and assembly credits.

Code of Federal Regulations, 2014 CFR

2014-01-01

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

12 CFR 160.3 - Definitions.

Code of Federal Regulations, 2014 CFR

2014-01-01

... loans do not include credit extended in connection with credit card loans, bona fide overdraft loans... authority other than section 5(c)(2)(D) of the HOLA. Credit card is any card, plate, coupon book, or other single credit device that may be used from time to time to obtain credit. Credit card account is a credit...

12 CFR 560.3 - Definitions.

Code of Federal Regulations, 2014 CFR

2014-01-01

...)). Consumer loans do not include credit extended in connection with credit card loans, bona fide overdraft... authority other than section 5(c)(2)(D) of the HOLA. Credit card is any card, plate, coupon book, or other single credit device that may be used from time to time to obtain credit. Credit card account is a credit...

12 CFR 160.3 - Definitions.

Code of Federal Regulations, 2013 CFR

2013-01-01

... loans do not include credit extended in connection with credit card loans, bona fide overdraft loans... authority other than section 5(c)(2)(D) of the HOLA. Credit card is any card, plate, coupon book, or other single credit device that may be used from time to time to obtain credit. Credit card account is a credit...

12 CFR 160.3 - Definitions.

Code of Federal Regulations, 2012 CFR

2012-01-01

... loans do not include credit extended in connection with credit card loans, bona fide overdraft loans... authority other than section 5(c)(2)(D) of the HOLA. Credit card is any card, plate, coupon book, or other single credit device that may be used from time to time to obtain credit. Credit card account is a credit...

12 CFR 560.3 - Definitions.

Code of Federal Regulations, 2012 CFR

2012-01-01

...)). Consumer loans do not include credit extended in connection with credit card loans, bona fide overdraft... authority other than section 5(c)(2)(D) of the HOLA. Credit card is any card, plate, coupon book, or other single credit device that may be used from time to time to obtain credit. Credit card account is a credit...

12 CFR 560.3 - Definitions.

Code of Federal Regulations, 2013 CFR

2013-01-01

...)). Consumer loans do not include credit extended in connection with credit card loans, bona fide overdraft... authority other than section 5(c)(2)(D) of the HOLA. Credit card is any card, plate, coupon book, or other single credit device that may be used from time to time to obtain credit. Credit card account is a credit...

49 CFR 536.8 - Conditions for trading of credits.

Code of Federal Regulations, 2013 CFR

2013-10-01

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

49 CFR 536.8 - Conditions for trading of credits.

Code of Federal Regulations, 2014 CFR

2014-10-01

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

49 CFR 536.8 - Conditions for trading of credits.

Code of Federal Regulations, 2012 CFR

2012-10-01

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

Psychometric properties of the pain stages of change questionnaire as evaluated by rasch analysis in patients with chronic musculoskeletal pain

PubMed Central

2014-01-01

Background Our objective was to evaluate the measurement properties of the Pain Stages of Change Questionnaire (PSOCQ) and its four subscales Precontemplation, Contemplation, Action and Maintenance. Methods A total of 231 patients, median age 42 years, with chronic musculoskeletal pain responded to the 30 items in PSOCQ. Thresholds for item scores, and unidimensionality and invariance of the PSOCQ and its four subscales were evaluated by Rasch analysis, partial credit model. Results The items had disordered threshold and needed to be rescored. The 30 items in the PSOCQ did not fit the Rasch model Chi- square item trait statistics. All subscales fitted the Rasch models. The associations to pain (11 point numeric rating scale), emotional distress (Hopkins symptom check list v 25) and self-efficacy (Arthritis Self-Efficacy Scale) were highest for the Precontemplation subscale. Conclusion The present analysis revealed that all four subscales in PSOCQ fitted the Rasch model. No common construct for all subscales were identified, but the Action and Maintenance subscales were closely related. PMID:24646065

Preparing for Computer Use. Revised.

ERIC Educational Resources Information Center

South Carolina State Dept. of Education, Columbia.

Intended to assist school districts in designing high school credit courses, preparing staff development activities related to computer utilization, and selecting and evaluating instructional software, this document offers outlines for the following student courses: (1) Introduction to Computers, a computer literacy course covering computer…

13 CFR 301.7 - Investment Assistance proposal.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Investment Assistance proposal... COMMERCE ELIGIBILITY, INVESTMENT RATE AND PROPOSAL AND APPLICATION REQUIREMENTS Proposal and Application Requirements; Evaluation Criteria § 301.7 Investment Assistance proposal. (a) The EDA Investment Assistance...

13 CFR 301.7 - Investment Assistance application.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 13 Business Credit and Assistance 1 2011-01-01 2011-01-01 false Investment Assistance application... COMMERCE ELIGIBILITY, INVESTMENT RATE AND APPLICATION REQUIREMENTS Application Requirements; Evaluation Criteria § 301.7 Investment Assistance application. (a) The EDA Investment Assistance process begins with...

12 CFR 228.28 - Assigned ratings.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

Preparing public health nurses for pandemic influenza through distance learning.

PubMed

Macario, Everly; Benton, Lisa D; Yuen, Janet; Torres, Mara; Macias-Reynolds, Violet; Holsclaw, Patricia; Nakahara, Natalie; Jones, Marcy Connell

2007-01-01

As a global influenza pandemic appears imminent with the spread of avian influenza, the California Department of Health Services (CDHS) and the California Distance Learning Health Network (CDLHN) presented a live 90-min satellite broadcast and subsequent 2-hr small group problem-solving tabletop exercise to practice interventions needed to minimize the consequences of a pandemic event. Public health nurses (PHNs), managers, and other staff in laboratories, clinical care, veterinary medicine, environmental health, public information and safety, emergency management, and transportation down linked the program, broadcast by satellite from the CDHS Richmond Laboratory Campus, to view on-site locally. PHNs represented the professional category with the highest number of participants for those conducting the program outside of California. For those in California, PHNs represented the professional category with the second highest number of participants. Participants and distance-learning facilitators completed a training evaluation survey. Continuing education credits were provided by the Centers for Disease Control and Prevention to participants who completed the satellite broadcast evaluation. This distance-learning-by-satellite method of education paired with an activities-based tabletop exercise, and a focus on local rather than State-based responsibility, marks an innovative method of training PHNs and other staff in emergency preparedness response.

Sorting Through Vendors.

ERIC Educational Resources Information Center

Hirsch, Jim

2001-01-01

Offers advice on selecting online vendors, such as determining quality, graduation credit, course articulation, delivery equipment, teacher support, handicap accessibility, pricing methods, and grading functions. Includes a selected list of vendors of online courses. (PKP)

11 CFR 100.83 - Brokerage loans and lines of credit to candidates.

Code of Federal Regulations, 2010 CFR

2010-01-01

..., credit card, home equity line of credit, or other line of credit available to the candidate, including an... making such loan makes loans derived from an advance on a candidate's brokerage account, credit card... card, home equity line of credit, or other line of credit available to the candidate, for which he or...

12 CFR 614.4590 - Equitable treatment of OFIs and Farm Credit System associations.

Code of Federal Regulations, 2010 CFR

2010-01-01

... differences in credit risk and administrative costs to the Farm Credit Bank or agricultural credit bank. (c... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Equitable treatment of OFIs and Farm Credit System associations. 614.4590 Section 614.4590 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT...

11 CFR 100.83 - Brokerage loans and lines of credit to candidates.

Code of Federal Regulations, 2011 CFR

2011-01-01

..., credit card, home equity line of credit, or other line of credit available to the candidate, including an... making such loan makes loans derived from an advance on a candidate's brokerage account, credit card... card, home equity line of credit, or other line of credit available to the candidate, for which he or...

12 CFR 1026.57 - Reporting and marketing rules for college student open-end credit.

Code of Federal Regulations, 2012 CFR

2012-01-01

... TRUTH IN LENDING (REGULATION Z) Special Rules Applicable to Credit Card Accounts and Open-End Credit.... (a) Definitions—(1) College student credit card. The term “college student credit card” as used in this section means a credit card issued under a credit card account under an open-end (not home-secured...

11 CFR 100.83 - Brokerage loans and lines of credit to candidates.

Code of Federal Regulations, 2013 CFR

2013-01-01

..., credit card, home equity line of credit, or other line of credit available to the candidate, including an... making such loan makes loans derived from an advance on a candidate's brokerage account, credit card... card, home equity line of credit, or other line of credit available to the candidate, for which he or...

12 CFR 1026.57 - Reporting and marketing rules for college student open-end credit.

Code of Federal Regulations, 2014 CFR

2014-01-01

... TRUTH IN LENDING (REGULATION Z) Special Rules Applicable to Credit Card Accounts and Open-End Credit.... (a) Definitions—(1) College student credit card. The term “college student credit card” as used in this section means a credit card issued under a credit card account under an open-end (not home-secured...

11 CFR 100.83 - Brokerage loans and lines of credit to candidates.

Code of Federal Regulations, 2014 CFR

2014-01-01

..., credit card, home equity line of credit, or other line of credit available to the candidate, including an... making such loan makes loans derived from an advance on a candidate's brokerage account, credit card... card, home equity line of credit, or other line of credit available to the candidate, for which he or...

12 CFR 1026.57 - Reporting and marketing rules for college student open-end credit.

Code of Federal Regulations, 2013 CFR

2013-01-01

... TRUTH IN LENDING (REGULATION Z) Special Rules Applicable to Credit Card Accounts and Open-End Credit.... (a) Definitions. (1) College student credit card. The term “college student credit card” as used in this section means a credit card issued under a credit card account under an open-end (not home-secured...

11 CFR 100.83 - Brokerage loans and lines of credit to candidates.

Code of Federal Regulations, 2012 CFR

2012-01-01

..., credit card, home equity line of credit, or other line of credit available to the candidate, including an... making such loan makes loans derived from an advance on a candidate's brokerage account, credit card... card, home equity line of credit, or other line of credit available to the candidate, for which he or...

Quality of urban forest carbon credits

Treesearch

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

2011-01-01

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

75 FR 57820 - National Credit Union Administration Restoration Plan

Federal Register 2010, 2011, 2012, 2013, 2014

2010-09-22

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

12 CFR 619.9135 - Direct lender.

Code of Federal Regulations, 2010 CFR

2010-01-01

... and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9135 Direct lender. The term direct lender refers to Farm Credit banks and associations (production credit associations, agricultural credit associations, and Federal land credit associations) authorized to lend to eligible...

40 CFR 86.1871-12 - [Reserved

Code of Federal Regulations, 2014 CFR

2014-07-01

... credits, air conditioning leakage credits, air conditioning efficiency credits, early advanced technology credits, and early off-cycle technology credits. Manufacturers generating any credits under this section... value. (F) Carbon-related exhaust emission values for electric, fuel cell, and plug-in hybrid electric...

An Empirical Study of Personal Response Technology for Improving Attendance and Learning in a Large Class

ERIC Educational Resources Information Center

Shapiro, Amy

2009-01-01

Student evaluations of a large General Psychology course indicate that students enjoy the class a great deal, yet attendance is low. An experiment was conducted to evaluate a personal response system as a solution. Attendance rose by 30% as compared to extra credit as an inducement, but was equivalent to offering pop quizzes. Performance on test…

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

Federal Register 2010, 2011, 2012, 2013, 2014

2011-07-12

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

The Scientific Method Ain't What It Used to Be

ERIC Educational Resources Information Center

Herreid, Clyde Freeman

2010-01-01

Remember the time when all you had to do was memorize these five steps: ask a question, formulate a hypothesis, perform experiment, collect data, and draw conclusions? And you received full credit for defining the scientific method. Well, those days are gone. This article discusses why the "scientific method ain't what it used to be." (Contains 2…

12 CFR 704.6 - Credit risk management.

Code of Federal Regulations, 2011 CFR

2011-01-01

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

12 CFR 704.6 - Credit risk management.

Code of Federal Regulations, 2012 CFR

2012-01-01

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

12 CFR 704.6 - Credit risk management.

Code of Federal Regulations, 2014 CFR

2014-01-01

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

12 CFR 704.6 - Credit risk management.

Code of Federal Regulations, 2013 CFR

2013-01-01

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

12 CFR 614.4720 - Letters of credit.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

7 CFR 1493.1 - General statement.

Code of Federal Regulations, 2012 CFR

2012-01-01

... AGRICULTURE EXPORT PROGRAMS CCC EXPORT CREDIT GUARANTEE PROGRAMS Restrictions and Criteria for Export Credit... use of credit guarantees under the Commodity Credit Corporation (CCC) Export Credit Guarantee Program (GSM-102) and the Intermediate Credit Guarantee Program (GSM-103) and the criteria considered by CCC in...

7 CFR 1493.1 - General statement.

Code of Federal Regulations, 2013 CFR

2013-01-01

... AGRICULTURE EXPORT PROGRAMS CCC EXPORT CREDIT GUARANTEE PROGRAMS Restrictions and Criteria for Export Credit... use of credit guarantees under the Commodity Credit Corporation (CCC) Export Credit Guarantee Program (GSM-102) and the Intermediate Credit Guarantee Program (GSM-103) and the criteria considered by CCC in...

7 CFR 1493.1 - General statement.

Code of Federal Regulations, 2014 CFR

2014-01-01

... AGRICULTURE EXPORT PROGRAMS CCC EXPORT CREDIT GUARANTEE PROGRAMS Restrictions and Criteria for Export Credit... use of credit guarantees under the Commodity Credit Corporation (CCC) Export Credit Guarantee Program (GSM-102) and the Intermediate Credit Guarantee Program (GSM-103) and the criteria considered by CCC in...

Changes in alcohol consumption patterns following the introduction of credit cards in Ontario liquor stores.

PubMed

Macdonald, S A; Wells, S L; Giesbrecht, N; West, P M

1999-05-01

In 1994, regulatory changes were introduced in Ontario, Canada, permitting the purchase of alcoholic beverages with credit cards at government-operated liquor stores. Two objectives of this study were: (1) to compare the characteristics of credit card shoppers with non credit card shoppers at liquor stores, and (2) to assess whether changes occurred in alcohol consumption patterns among shoppers following the introduction of credit cards. Random digit dialing was used to interview 2,039 telephone participants prior to the introduction of credit cards (Time 1); 1,401 of these subjects were contacted 1 year later (Time 2). Independent sample t tests were used to compare credit card shoppers with shoppers not using credit cards, and paired t tests were performed to assess whether drinking behaviors changed from Time 1 to Time 2. The credit card shoppers were more likely than the non credit card shoppers to be highly educated (p < .001) and to have high incomes (p < .05). Credit card shoppers drank an average of 6.3 drinks over the previous week compared with 4.0 drinks among non credit card shoppers (p < .01). Although the overall amount of alcohol consumed among credit card shoppers dropped from 6.7 drinks at Time 1 to 6.3 at Time 2 (NS), credit card shoppers reported drinking significantly more often after credit cards were introduced (p < .05). The results suggest that credit cards may not present public health problems since significant increases in alcohol consumption among credit card shoppers were not found.

12 CFR 619.9015 - Agricultural credit associations.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

Fundamentals of Hardware. Curriculum Improvement Project. Region II.

ERIC Educational Resources Information Center

Onabajo, Femi

This course curriculum is intended for use by community college instructors and administrators in implementing a fundamentals in hardware course. A student's course syllabus provides this information: credit hours, catalog description, prerequisites, required text, instructional process, objectives, student evaluation, and class schedule. A…

Operating Systems. Curriculum Improvement Project. Region II.

ERIC Educational Resources Information Center

Wagstaff, Charlene

This course curriculum is intended for community college instructors and administrators to use in implementing an operating systems course. A student's course syllabus provides this information: credit hours, catalog description, prerequisites, required texts, instructional process, objectives, student evaluation, and class schedule. A student…

7 CFR 1980.452 - FmHA or its successor agency under Public Law 103-354 evaluation of application.

Code of Federal Regulations, 2012 CFR

2012-01-01

... National Officer that the Statements of Personal History(s) have been processed and cleared. FmHA or its... borrower, individual customer credit file, installment Loan Ledger Card or Computer printouts and other...

12 CFR 25.28 - Assigned ratings.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

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

ERIC Educational Resources Information Center

Academic Senate for California Community Colleges, 2014

2014-01-01

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

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

PubMed

McCall, Michael; Eckrich, Donald W

2006-06-01

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

KSC-06pd1293

NASA Image and Video Library

2006-06-30

KENNEDY SPACE CENTER, FLA. - In the Space Station Processing Facility at NASA's Kennedy Space Center, John Hoog secures a bag filled with prepared meals for the crew of mission STS-121 before packing into containers for the flight. At left is Dennis Huefner, with United Space Alliance (USA) ground operations. Hoog is a USA-FCE/EVA representative from Johnson Space Center. Astronauts select their own menus from a large array of food items. Astronauts are supplied with three balanced meals, plus snacks. Foods flown on space missions are researched and developed at the Space Food Systems Laboratory at the Johnson Space Center (JSC) in Houston, which is staffed by food scientists, dietitians and engineers. Foods are analyzed through nutritional analysis, sensory evaluation, storage studies, packaging evaluations and many other methods. Each astronaut’s food is stored aboard the space shuttle and is identified by a colored dot affixed to each package. Launch of Space Shuttle Discovery on mission STS-121 is scheduled for July 1. Photo credit: NASA/Jack Pfaller

KSC-06pd1297

NASA Image and Video Library

2006-06-30

KENNEDY SPACE CENTER, FLA. - In the Space Station Processing Facility at NASA's Kennedy Space Center, flight crew systems technician Troy Mann and flight crew systems manager Jim Blake secure the storage boxes holding the food containers that will be stowed on Space Shuttle Discovery for the flight of mission STS-121. The containers hold meals prepared for the mission crew. Astronauts select their own menus from a large array of food items. Astronauts are supplied with three balanced meals, plus snacks. Foods flown on space missions are researched and developed at the Space Food Systems Laboratory at the Johnson Space Center (JSC) in Houston, which is staffed by food scientists, dietitians and engineers. Foods are analyzed through nutritional analysis, sensory evaluation, storage studies, packaging evaluations and many other methods. Each astronaut’s food is stored aboard the space shuttle and is identified by a colored dot affixed to each package. Launch of Space Shuttle Discovery on mission STS-121 is scheduled for July 1. Photo credit: NASA/Jack Pfaller

KSC-06pd1296

NASA Image and Video Library

2006-06-30

KENNEDY SPACE CENTER, FLA. - In the Space Station Processing Facility at NASA's Kennedy Space Center, flight crew systems technician Troy Mann and flight crew systems manager Jim Blake store the food containers that will be stowed on Space Shuttle Discovery for the flight of mission STS-121. The containers hold meals prepared for the mission crew. Mann and Blake are with United Space Alliance ground operations. Astronauts select their own menus from a large array of food items. Astronauts are supplied with three balanced meals, plus snacks. Foods flown on space missions are researched and developed at the Space Food Systems Laboratory at the Johnson Space Center (JSC) in Houston, which is staffed by food scientists, dietitians and engineers. Foods are analyzed through nutritional analysis, sensory evaluation, storage studies, packaging evaluations and many other methods. Each astronaut’s food is stored aboard the space shuttle and is identified by a colored dot affixed to each package. Launch of Space Shuttle Discovery on mission STS-121 is scheduled for July 1. Photo credit: NASA/Jack Pfaller

KSC-06pd1295

NASA Image and Video Library

2006-06-30

KENNEDY SPACE CENTER, FLA. - In the Space Station Processing Facility at NASA's Kennedy Space Center, Jim Blake, Dennis Huefner and Troy Mann wrap food containers that will be stowed on Space Shuttle Discovery for the flight of mission STS-121. The containers hold meals prepared for the mission crew. The men are with United Space Alliance ground operations. Astronauts select their own menus from a large array of food items. Astronauts are supplied with three balanced meals, plus snacks. Foods flown on space missions are researched and developed at the Space Food Systems Laboratory at the Johnson Space Center (JSC) in Houston, which is staffed by food scientists, dietitians and engineers. Foods are analyzed through nutritional analysis, sensory evaluation, storage studies, packaging evaluations and many other methods. Each astronaut’s food is stored aboard the space shuttle and is identified by a colored dot affixed to each package. Launch of Space Shuttle Discovery on mission STS-121 is scheduled for July 1. Photo credit: NASA/Jack Pfaller

12 CFR 3.4 - Reservation of authority.

Code of Federal Regulations, 2010 CFR

2010-01-01

... risk weight for any asset or the credit equivalent amount or credit conversion factor for any off..., if no risk weight, credit equivalent amount, or credit conversion factor is specifically assigned, the OCC may assign any risk weight, credit equivalent amount, or credit conversion factor that the OCC...

40 CFR 89.207 - Credit calculation.

Code of Federal Regulations, 2014 CFR

2014-07-01

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

40 CFR 89.207 - Credit calculation.

Code of Federal Regulations, 2012 CFR

2012-07-01

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

40 CFR 89.207 - Credit calculation.

Code of Federal Regulations, 2013 CFR

2013-07-01

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

12 CFR 614.4720 - Letters of credit.

Code of Federal Regulations, 2012 CFR

2012-01-01

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

7 CFR 4280.139 - Credit quality.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

12 CFR 167.12 - Purchased credit card relationships, servicing assets, intangible assets (other than purchased...

Code of Federal Regulations, 2014 CFR

2014-01-01

... 12 Banks and Banking 1 2014-01-01 2014-01-01 false Purchased credit card relationships, servicing assets, intangible assets (other than purchased credit card relationships and servicing assets), credit... Purchased credit card relationships, servicing assets, intangible assets (other than purchased credit card...

12 CFR 167.12 - Purchased credit card relationships, servicing assets, intangible assets (other than purchased...

Code of Federal Regulations, 2013 CFR

2013-01-01

... 12 Banks and Banking 1 2013-01-01 2013-01-01 false Purchased credit card relationships, servicing assets, intangible assets (other than purchased credit card relationships and servicing assets), credit... Purchased credit card relationships, servicing assets, intangible assets (other than purchased credit card...

12 CFR 567.12 - Purchased credit card relationships, servicing assets, intangible assets (other than purchased...

Code of Federal Regulations, 2013 CFR

2013-01-01

... 12 Banks and Banking 6 2013-01-01 2012-01-01 true Purchased credit card relationships, servicing assets, intangible assets (other than purchased credit card relationships and servicing assets), credit... credit card relationships, servicing assets, intangible assets (other than purchased credit card...

12 CFR 167.12 - Purchased credit card relationships, servicing assets, intangible assets (other than purchased...

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 1 2012-01-01 2012-01-01 false Purchased credit card relationships, servicing assets, intangible assets (other than purchased credit card relationships and servicing assets), credit... Purchased credit card relationships, servicing assets, intangible assets (other than purchased credit card...

12 CFR 567.12 - Purchased credit card relationships, servicing assets, intangible assets (other than purchased...

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 6 2012-01-01 2012-01-01 false Purchased credit card relationships, servicing assets, intangible assets (other than purchased credit card relationships and servicing assets), credit... credit card relationships, servicing assets, intangible assets (other than purchased credit card...

12 CFR 567.12 - Purchased credit card relationships, servicing assets, intangible assets (other than purchased...

Code of Federal Regulations, 2014 CFR

2014-01-01

... 12 Banks and Banking 6 2014-01-01 2012-01-01 true Purchased credit card relationships, servicing assets, intangible assets (other than purchased credit card relationships and servicing assets), credit... credit card relationships, servicing assets, intangible assets (other than purchased credit card...

12 CFR 704.11 - Corporate Credit Union Service Organizations (Corporate CUSOs).

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 7 2012-01-01 2012-01-01 false Corporate Credit Union Service Organizations (Corporate CUSOs). 704.11 Section 704.11 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT UNIONS CORPORATE CREDIT UNIONS § 704.11 Corporate Credit Union Service Organizations...

12 CFR 704.11 - Corporate Credit Union Service Organizations (Corporate CUSOs).

Code of Federal Regulations, 2014 CFR

2014-01-01

... 12 Banks and Banking 7 2014-01-01 2014-01-01 false Corporate Credit Union Service Organizations (Corporate CUSOs). 704.11 Section 704.11 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT UNIONS CORPORATE CREDIT UNIONS § 704.11 Corporate Credit Union Service Organizations...

12 CFR 704.11 - Corporate Credit Union Service Organizations (Corporate CUSOs).

Code of Federal Regulations, 2013 CFR

2013-01-01

... 12 Banks and Banking 7 2013-01-01 2013-01-01 false Corporate Credit Union Service Organizations (Corporate CUSOs). 704.11 Section 704.11 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT UNIONS CORPORATE CREDIT UNIONS § 704.11 Corporate Credit Union Service Organizations...

12 CFR 704.6 - Credit risk management.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

A Comparison of Exposure Control Procedures in CATS Using the GPC Model

ERIC Educational Resources Information Center

Leroux, Audrey J.; Dodd, Barbara G.

2016-01-01

The current study compares the progressive-restricted standard error (PR-SE) exposure control method with the Sympson-Hetter, randomesque, and no exposure control (maximum information) procedures using the generalized partial credit model with fixed- and variable-length CATs and two item pools. The PR-SE method administered the entire item pool…

Comparison of Methods to Trace Multiple Subskills: Is LR-DBN Best?

ERIC Educational Resources Information Center

Xu, Yanbo; Mostow, Jack

2012-01-01

A long-standing challenge for knowledge tracing is how to update estimates of multiple subskills that underlie a single observable step. We characterize approaches to this problem by how they model knowledge tracing, fit its parameters, predict performance, and update subskill estimates. Previous methods allocated blame or credit among subskills…

Whole earth modeling: developing and disseminating scientific software for computational geophysics.

NASA Astrophysics Data System (ADS)

Kellogg, L. H.

2016-12-01

Historically, a great deal of specialized scientific software for modeling and data analysis has been developed by individual researchers or small groups of scientists working on their own specific research problems. As the magnitude of available data and computer power has increased, so has the complexity of scientific problems addressed by computational methods, creating both a need to sustain existing scientific software, and expand its development to take advantage of new algorithms, new software approaches, and new computational hardware. To that end, communities like the Computational Infrastructure for Geodynamics (CIG) have been established to support the use of best practices in scientific computing for solid earth geophysics research and teaching. Working as a scientific community enables computational geophysicists to take advantage of technological developments, improve the accuracy and performance of software, build on prior software development, and collaborate more readily. The CIG community, and others, have adopted an open-source development model, in which code is developed and disseminated by the community in an open fashion, using version control and software repositories like Git. One emerging issue is how to adequately identify and credit the intellectual contributions involved in creating open source scientific software. The traditional method of disseminating scientific ideas, peer reviewed publication, was not designed for review or crediting scientific software, although emerging publication strategies such software journals are attempting to address the need. We are piloting an integrated approach in which authors are identified and credited as scientific software is developed and run. Successful software citation requires integration with the scholarly publication and indexing mechanisms as well, to assign credit, ensure discoverability, and provide provenance for software.

A clinical nutrition course to improve pharmacy students' skills and confidence in counseling patients.

PubMed

Chang, Linda; Popovich, Nicholas G; Iramaneerat, Cherdsak; Smith, Everett V; Lutfiyya, M Nawal

2008-06-15

To create, implement, and evaluate a PharmD course on primary care nutrition. A 2-credit hour elective course was offered to second- and third-year pharmacy students. It was informed by the Socratic method using a minimum number of formal lecture presentations and featured problem-based learning exercises, case-based scenarios, and scientific literature to fuel informed debate. A single group posttest design with a retrospective pretest was used to assess students' self-efficacy. There was a significant overall improvement in students' self-efficacy in their ability to practice primary care nutrition. Completion of a nutrition course improved students' confidence in providing primary care nutrition and empowered them to speak more comfortably about the role of nutrition in the prevention of chronic diseases.