7 CFR 1779.89 - Mergers.

Code of Federal Regulations, 2010 CFR

2010-01-01

... of the merged borrower. Mergers may be approved when: (1) The merger is in the best interest of the... borrower. (b) Distinguishing mergers from transfers and assumptions. Mergers occur when one entity combines with another entity in such a way that the first entity ceases to exist as a separate entity while the...

13 CFR 120.131 - Leasing part of new construction or existing building to another business.

Code of Federal Regulations, 2010 CFR

2010-01-01

.... If the Borrower is an Eligible Passive Company which leases 100 percent of the new building's space to one or more Operating Companies, the Operating Company, or Operating Companies together, must... than 51 percent of the Rentable Property. If the Borrower is an Eligible Passive Company which leases...

7 CFR 1962.16 - Accounting by County Supervisor.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 14 2010-01-01 2009-01-01 true Accounting by County Supervisor. 1962.16 Section 1962... § 1962.16 Accounting by County Supervisor. The Agency will maintain a current record of each borrower's... risk exists. An FO borrower who has been current with the Agency and who has provided chattels as...

Assessment of credit risk based on fuzzy relations

NASA Astrophysics Data System (ADS)

Tsabadze, Teimuraz

2017-06-01

The purpose of this paper is to develop a new approach for an assessment of the credit risk to corporate borrowers. There are different models for borrowers' risk assessment. These models are divided into two groups: statistical and theoretical. When assessing the credit risk for corporate borrowers, statistical model is unacceptable due to the lack of sufficiently large history of defaults. At the same time, we cannot use some theoretical models due to the lack of stock exchange. In those cases, when studying a particular borrower given that statistical base does not exist, the decision-making process is always of expert nature. The paper describes a new approach that may be used in group decision-making. An example of the application of the proposed approach is given.

Phase I Marine Archeological Remote Sensing Survey of the Proposed Mississippi River Sand Borrow Sites for the Louisiana Coastal Area Barrier Shoreline Restoration Project, Plaquemines Parish, Louisiana

DTIC Science & Technology

2008-09-01

massive, organically-rich, clayey silts and silty clays that contain ostracods, the remains of fiddler crabs and crayfish, and gastropods such as...that big game hunting was a dominant adaptive strategy in the southeast is less certain because of the regional environmental...evidence suggests that a degree of continuity existed between the adaptations of prehistoric peoples living in northern forests and those who lived in

7 CFR 1717.854 - Advance approval-100 percent private financing of distribution, subtransmission and headquarters...

Code of Federal Regulations, 2014 CFR

2014-01-01

... mortgage, the RUS loan contract, the borrower's wholesale power contract, any debt restructuring agreement... debt; (2) The ratio of the borrower's equity, less deferred expenses, to total assets, less deferred...-term debt is not less than 1.0, after adding the principal amount of the proposed loan to the existing...

7 CFR 1717.854 - Advance approval-100 percent private financing of distribution, subtransmission and headquarters...

Code of Federal Regulations, 2013 CFR

2013-01-01

... mortgage, the RUS loan contract, the borrower's wholesale power contract, any debt restructuring agreement... debt; (2) The ratio of the borrower's equity, less deferred expenses, to total assets, less deferred...-term debt is not less than 1.0, after adding the principal amount of the proposed loan to the existing...

7 CFR 1717.854 - Advance approval-100 percent private financing of distribution, subtransmission and headquarters...

Code of Federal Regulations, 2011 CFR

2011-01-01

... mortgage, the RUS loan contract, the borrower's wholesale power contract, any debt restructuring agreement... debt; (2) The ratio of the borrower's equity, less deferred expenses, to total assets, less deferred...-term debt is not less than 1.0, after adding the principal amount of the proposed loan to the existing...

7 CFR 1717.854 - Advance approval-100 percent private financing of distribution, subtransmission and headquarters...

Code of Federal Regulations, 2012 CFR

2012-01-01

... mortgage, the RUS loan contract, the borrower's wholesale power contract, any debt restructuring agreement... debt; (2) The ratio of the borrower's equity, less deferred expenses, to total assets, less deferred...-term debt is not less than 1.0, after adding the principal amount of the proposed loan to the existing...

Research on the Application of Persona in Book Recommendation System

NASA Astrophysics Data System (ADS)

Gao, Baozhong; Du, Shouyan; Li, Xinzhi; Liu, Fangai

2017-10-01

Currently, there still exists a host of problems in the book recommendation system, such as low accuracy, weak correlation and poor pertinence. Aiming to unravel these problems, this paper based on the theory of big data and data mining technology, through analyzing internet user behavior and the “5C” model of personal credit evaluation, combined with joint impact weight calculation method, which involves user grade, borrowing credit, book friend recommendation degree, book friend recommended adoption degree, borrowing frequency, borrowing number, and borrowing time interval. User activity and credit are also taken into account in the process of establishing user tagging system so as to build classified book recommendation service. This method is of universal meaning to the book recommendation service of smart campus with user as the core under big data environment.

Student Loan Programs. As Federal Costs of Loan Consolidation Rise, Other Options Should be Examined. Report to Congressional Requesters.

ERIC Educational Resources Information Center

General Accounting Office, Washington, DC.

In this report GAO recommends that the Secretary of Education assess the advantages of consolidation loans for borrowers and the government in light of program costs and identify options for reducing federal costs. Options could include targeting the program to borrowers at risk of default and extending existing consolidation alternatives to more…

78 FR 16479 - Revised Notice of Intent To Prepare a joint Environmental Impact Statement/Environmental Impact...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-03-15

... has expanded the study area to include additional potential soil borrow sites. Material from these... soil borrow sites are located to the east and west of southern Jefferson Blvd.; adjacent to the...

Fish assemblages in borrow-pit lakes of the Lower Mississippi River

USGS Publications Warehouse

Miranda, Leandro E.; Killgore, K. J.; Hoover, J.J.

2013-01-01

Borrow-pit lakes encompass about a third of the lentic water habitats (by area) in the active floodplain of the Lower Mississippi River, yet little is known about their fish assemblages. We investigated whether fish assemblages supported by borrow-pit lakes resembled those in oxbow lakes to help place the ecological relevance of borrow-pit lakes in context with that of natural floodplain lakes. In all, we collected 75 fish species, including 65 species in eight borrow-pit lakes, 52 species in four riverside oxbow lakes, and 44 species in eight landside oxbow lakes. Significant differences in several species richness metrics were evident between borrow-pit lakes and landside oxbow lakes but not between borrow-pit lakes and riverside oxbow lakes. All three lake types differed in fish assemblage composition. Borrow-pit lakes and riverside oxbow lakes tended to include a greater representation of fish species that require access to diverse environments, including lentic, lotic, and palustrine habitats; fish assemblages in landside oxbow lakes included a higher representation of lacustrine species. None of the fish species collected in borrow-pit lakes was federally listed as threatened or endangered, but several were listed as species of special concern by state governments in the region, suggesting that borrow-pit lakes provide habitat for sensitive riverine and wetland fish species. Differences in fish assemblages among borrow-pit lakes were linked to engineered morphologic features, suggesting that diversity in engineering can contribute to diversity in fish assemblages; however, more research is needed to match engineering designs with fish assemblage structures that best meet conservation needs.

Lenders, Borrowers and Educational Development.

ERIC Educational Resources Information Center

Kim, Hyung-Ki

1983-01-01

New approaches to international borrowing for education which maximize economic growth and minimize the unfavorable international climate for development assistance are discussed. Specific suggestions are made for identifying the areas where such aid would be most effective, as well as better ways to develop cooperation between lenders and…

Modelling small-area inequality in premature mortality using years of life lost rates

NASA Astrophysics Data System (ADS)

Congdon, Peter

2013-04-01

Analysis of premature mortality variations via standardized expected years of life lost (SEYLL) measures raises questions about suitable modelling for mortality data, especially when developing SEYLL profiles for areas with small populations. Existing fixed effects estimation methods take no account of correlations in mortality levels over ages, causes, socio-ethnic groups or areas. They also do not specify an underlying data generating process, or a likelihood model that can include trends or correlations, and are likely to produce unstable estimates for small-areas. An alternative strategy involves a fully specified data generation process, and a random effects model which "borrows strength" to produce stable SEYLL estimates, allowing for correlations between ages, areas and socio-ethnic groups. The resulting modelling strategy is applied to gender-specific differences in SEYLL rates in small-areas in NE London, and to cause-specific mortality for leading causes of premature mortality in these areas.

7 CFR 1980.423 - Interest rates.

Code of Federal Regulations, 2013 CFR

2013-01-01

... variable as long as they are legal. Interest rates will be those rates customarily charged borrowers in... and borrower. The variable interest rate may be adjusted at different intervals during the term of the... areas, whether the monetary recovery would be increased by proceeding immediately to liquidation, if...

77 FR 4275 - Submission for OMB Review; Comment Request

Federal Register 2010, 2011, 2012, 2013, 2014

2012-01-27

... number. Rural Utilities Service Title: 7 CFR Part 1724 and Part 1738 Electric Engineering, Architectural... improving of electric energy to persons in rural areas. Title 7 CFR 1724 requires each borrower to select a... forms provide standardized contract agreements between the electric or broadband borrower and the...

Uranium loans: Delaying the day of reckoning

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

Not Available

1993-09-01

Spot market volume so far this year, by NUKEM's estimates, comes to just under 11 million lbs. It appears that existing loans are either being extended, or paid back with material borrowed from other sources. Therefore, there has been no significant amount of purchases on the spot market to pay back borrowed uranium. How do we know the loans have not been paid back with spot purchases For one thing, the amount of uranium loans outstanding has increased. According to our current survey, there may now be as much as 32 million lbs U3O8 equivalent in outstanding loans. At currentmore » prices, it's cheaper to borrow than to buy uranium. So borrowers are gambling that prices will remain low for some time, allowing them to delay repayment of the loans. Borrowers then, in essence, are delaying the day of reckoning on these loans. How long they can do so is anyone's guess. As long as uranium is in abundance and utilities remain willing to lend it out, loan activity will likely remain at or near current levels. But when supplies tighten and the market swings in a more positive direction, borrowers may get caught scrambling to repay their loans as quickly as possible.« less

77 FR 38035 - Notice for Request To Reinstate Previously Approved Information Collection

Federal Register 2010, 2011, 2012, 2013, 2014

2012-06-26

... participating lenders who make loans to income eligible borrowers in rural areas. The purpose of this program is to promote affordable housing for low- and moderate-income borrowers in rural America. Estimate of Burden: Public reporting burden for this collection of information is estimated to average 49 minutes per...

Is the Tanzanian Ngoni Language Threatened? A Survey of Lexical Borrowing from Swahili

ERIC Educational Resources Information Center

Rosendal, Tove; Mapunda, Gastor

2014-01-01

Tanzania's post-independence language policy has promoted Swahili as a means of achieving national and linguistic unity. This policy has affected the Ngoni language in south-western Tanzania. Today, Swahili has permeated communication all over Tanzania, even in rural and remote areas. This paper discusses lexical borrowing and especially borrowing…

Semiparametric Bayesian commensurate survival model for post-market medical device surveillance with non-exchangeable historical data.

PubMed

Murray, Thomas A; Hobbs, Brian P; Lystig, Theodore C; Carlin, Bradley P

2014-03-01

Trial investigators often have a primary interest in the estimation of the survival curve in a population for which there exists acceptable historical information from which to borrow strength. However, borrowing strength from a historical trial that is non-exchangeable with the current trial can result in biased conclusions. In this article we propose a fully Bayesian semiparametric method for the purpose of attenuating bias and increasing efficiency when jointly modeling time-to-event data from two possibly non-exchangeable sources of information. We illustrate the mechanics of our methods by applying them to a pair of post-market surveillance datasets regarding adverse events in persons on dialysis that had either a bare metal or drug-eluting stent implanted during a cardiac revascularization surgery. We finish with a discussion of the advantages and limitations of this approach to evidence synthesis, as well as directions for future work in this area. The article's Supplementary Materials offer simulations to show our procedure's bias, mean squared error, and coverage probability properties in a variety of settings. © 2013, The International Biometric Society.

75 FR 38501 - The Release of the Final Environmental Impact Statement (FEIS) for the Town of Nags Head Proposed...

Federal Register 2010, 2011, 2012, 2013, 2014

2010-07-02

... cubic yards of beach-quality sediment from an offshore borrow source, and deposit the material along... dredging operations and discharge the sand on the beach via submerged pipeline. The applicant's proposed borrow areas include sites identified as having beach quality material in the U.S. Army Corps of...

7 CFR 3560.150 - OMB control number.

Code of Federal Regulations, 2010 CFR

2010-01-01

... AGRICULTURE DIRECT MULTI-FAMILY HOUSING LOANS AND GRANTS Borrower Management and Operations Responsibilities... minutes to 18 hours per response, including time for reviewing instructions, searching existing data...

7 CFR 3560.150 - OMB control number.

Code of Federal Regulations, 2012 CFR

2012-01-01

... AGRICULTURE DIRECT MULTI-FAMILY HOUSING LOANS AND GRANTS Borrower Management and Operations Responsibilities... minutes to 18 hours per response, including time for reviewing instructions, searching existing data...

7 CFR 3560.150 - OMB control number.

Code of Federal Regulations, 2013 CFR

2013-01-01

... AGRICULTURE DIRECT MULTI-FAMILY HOUSING LOANS AND GRANTS Borrower Management and Operations Responsibilities... minutes to 18 hours per response, including time for reviewing instructions, searching existing data...

7 CFR 3560.150 - OMB control number.

Code of Federal Regulations, 2014 CFR

2014-01-01

... AGRICULTURE DIRECT MULTI-FAMILY HOUSING LOANS AND GRANTS Borrower Management and Operations Responsibilities... minutes to 18 hours per response, including time for reviewing instructions, searching existing data...

7 CFR 3560.150 - OMB control number.

Code of Federal Regulations, 2011 CFR

2011-01-01

... AGRICULTURE DIRECT MULTI-FAMILY HOUSING LOANS AND GRANTS Borrower Management and Operations Responsibilities... minutes to 18 hours per response, including time for reviewing instructions, searching existing data...

Early Medicaid Expansion Associated With Reduced Payday Borrowing In California.

PubMed

Allen, Heidi; Swanson, Ashley; Wang, Jialan; Gross, Tal

2017-10-01

We examined the impact of California's early Medicaid expansion under the Affordable Care Act on the use of payday loans, a form of high-interest borrowing used by low- and middle-income Americans. Using a data set for the period 2009-13 (roughly twenty-four months before and twenty-four months after the 2011-12 Medicaid expansion) that covered the universe of payday loans from five large payday lenders with locations around the United States, we used a difference-in-differences research design to assess the effect of the expansion on payday borrowing, comparing trends in early-expansion counties in California to those in counties nationwide that did not expand early. The early Medicaid expansion was associated with an 11 percent reduction in the number of loans taken out each month. It also reduced the number of unique borrowers each month and the amount of payday loan debt. We were unable to determine precisely how and for whom the expansion reduced payday borrowing, since to our knowledge, no data exist that directly link payday lending to insurance status. Nonetheless, our results suggest that Medicaid reduced the demand for high-interest loans and improved the financial health of American families. Project HOPE—The People-to-People Health Foundation, Inc.

34 CFR 682.210 - Deferment.

Code of Federal Regulations, 2010 CFR

2010-07-01

... provide information, including an example, on the impact of capitalization of accrued, unpaid interest on... applicable, the post-deferment grace period expire, a borrower resumes any delinquency status that existed...

Quantifying Sediment Characteristics and Infilling Rate within a Ship Shoal Dredge Borrow Area, Offshore Louisiana

NASA Astrophysics Data System (ADS)

Xue, Z.; Wilson, C.; Bentley, S. J.; Xu, K.; Liu, H.; Li, C.; Miner, M. D.

2017-12-01

Barrier islands provide protection to interior wetlands and maintain estuarine gradients. Mississippi River delta plain barrier islands are undergoing rapid disintegration due to high rates of subsidence and a deficit in the coastal sand supply. To mitigate for barrier island land loss, Louisiana has implemented a restoration program that intends to supplement coastal sand deficits by introducing sand from outside of the active coastal system. Inner-shelf shoals offshore Louisiana are one of the only sand resource options containing large volumes of restoration quality sand. Ship Shoal is one of these inner-shelf shoals that was produced by marine reworking of former Mississippi River Delta barrier island sediments during late Holocene time. Though indirect effects to protected areas or infrastructure adjacent to excavations have been considered, there is a paucity of observational data on their evolution. Caminada borrow area, dredged in 2013-2016 for the Caminada Headland Restoration Project, provides a valuable opportunity to validate and improve predictive models for how borrow areas evolve. In July 2017, a subbottom and bathymetric geophysical survey was conducted and sediment cores were collected to test the hypothesis that sedimentation within the excavation is affected by lateral bedload transport after initial rapid infill as slopes equilibrate. Preliminary results show the sediment within the excavation is predominantly very fine sand with isolated mud drapes. These sediments overlay older delta complex muddy strata. This contrasts strongly with other dredge pits outside of shoal areas and closer to shore, which have been infilled largely by advection of fine suspended sediments of fluvial origin. Laboratory work on cores will include laser grain size, x-ray analyses of sedimentary structures, and radiochemistry analyses for rates and age of deposition. With the knowledge of stratigraphy and sediment dynamics surrounding the dredge pit, we can quantify and better understand the timeline of these depositional processes to provide vital knowledge to coastal managers for future borrow area design and management.

78 FR 78329 - Information Collection Activity; Comment Request

Federal Register 2010, 2011, 2012, 2013, 2014

2013-12-26

... America is adequately protected, electric borrowers conduct a Vulnerability and Risk Assessment (VRA) of... vulnerabilities, if present, to review existing mitigation procedures and to assist in the development of new and...

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

PubMed Central

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

2018-01-01

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

International Monetary Fund and aid displacement.

PubMed

Stuckler, David; Basu, Sanjay; McKee, Martin

2011-01-01

Several recent papers find evidence that global health aid is being diverted to reserves, education, military, or other sectors, and is displacing government spending. This is suggested to occur because ministers of finance have competing, possibly corrupt, priorities and deprive the health sector of resources. Studies have found that development assistance for health routed to governments has a negative impact on health spending and that similar assistance routed to private nongovernmental organizations has a positive impact. An alternative hypothesis is that World Bank and IMF macro-economic policies, which specifically advise governments to divert aid to reserves to cope with aid volatility and keep government spending low, could be causing the displacement of health aid. This article evaluates whether aid displacement was greater when countries undertook a new borrowing program from the IMF between 1996 and 2006. As found in existing studies, for each $1 of development assistance for health, about $0.37 is added to the health system. However, evaluating IMF-borrowing versus non-IMF-borrowing countries reveals that non-borrowers add about $0.45 whereas borrowers add less than $0.01 to the health system. On average, health system spending grew at about half the speed when countries were exposed to the IMF than when they were not. It is important to take account of the political economy of global health finance when interpreting data on financial flows.

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

PubMed

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

2018-01-01

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

Testing the tools of development: credit programmes, loan involvement, and women's empowerment.

PubMed

Ackerly, B A

1995-07-01

This study finds that income generation programs should not focus on women's labor as a means of empowerment. Empowerment should be directed to women's direct involvement in selling and accounting in the loan activity and in the techniques of lending agencies that promote empowerment. Borrowers are empowered through market activities and nonmarket strategies such as changing the institutional environment. Local women can be hired as group promoters. When payments are made to a collection post, local women promoters can be protected and travel to remote areas without fear for security. It is argued that goals are reached successfully, when tasks are clearly defined. Empowerment in this study means knowledge of accounting for the borrower's loan activity. It is argued that organizations that choose to make women's empowerment a goal can use this factor to measure program impact. Data for this study are obtained from the Bangladesh Rural Advancement Committee (BRAC), Grameen Bank (GB), and Save the Children, Bangladesh Field Office (SCF). The general model indicates that the borrower will be empowered in the process of taking out a loan and investing it in an activity. The likelihood that the credit process will lead to empowerment, given the multiple lending options, is tested in a probit model. Explanatory variables include location, borrower's direct contribution of labor to all or part of the activity, a borrower's direct involvement in buying supplies or selling or accounting for the loan, the lending organization (BRAC, GB, or SCF), loan amount, number of years of borrowing, and borrower position as a center or group chair. The results are based on the 826 loans of the 613 female borrowers. Significant features that contributed to borrower's knowledge included, in the order of significance, participation in accounting, selling, and labor. The key factor appeared to be market access. The impact of organization and involvement was maximized among individuals who had a 40-50% probability of being empowered. For example, a borrower, who had an initial propensity of being empowered of 20%, would have a 96.2% probability of being empowered as a result of accounting involvement.

Santa Ana River Main Stem Including Santiago Creek, Counties of Orange, Riverside, and San Bernardino, California. Phase I General Design Memorandum. Main Report and Supplemental Environmental Impact Statement.

DTIC Science & Technology

1980-09-01

insurance costs, a decrease in available low-income housing which tends to cluster around the river, increase in the cost of existing housing (from...developable lands is thus a real loss, not merely a paper loss of unquantifiable "potential." The relocation of the established residential community, a...habitat largely vegetation types somewhat, due tolarge dom releasNS. Least Bell’s virgo No change. 1,OOD-acre Prado borrow 440 acres of borrow Mo change

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

Code of Federal Regulations, 2010 CFR

2010-01-01

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

Cancer Related-Knowledge - Small Area Estimates

Cancer.gov

These model-based estimates are produced using statistical models that combine data from the Health Information National Trends Survey, and auxiliary variables obtained from relevant sources and borrow strength from other areas with similar characteristics.

The value of flexibility in conservation financing.

PubMed

Lennox, Gareth D; Fargione, Joseph; Spector, Sacha; Williams, Gwyn; Armsworth, Paul R

2017-06-01

Land-acquisition strategies employed by conservation organizations vary in their flexibility. Conservation-planning theory largely fails to reflect this by presenting models that are either extremely inflexible-parcel acquisitions are irreversible and budgets are fixed-or extremely flexible-previously acquired parcels can readily be sold. This latter approach, the selling of protected areas, is infeasible or problematic in many situations. We considered the value to conservation organizations of increasing the flexibility of their land-acquisition strategies through their approach to financing deals. Specifically, we modeled 2 acquisition-financing methods commonly used by conservation organizations: borrowing and budget carry-over. Using simulated data, we compared results from these models with those from an inflexible fixed-budget model and an extremely flexible selling model in which previous acquisitions could be sold to fund new acquisitions. We then examined 3 case studies of how conservation organizations use borrowing and budget carry-over in practice. Model comparisons showed that borrowing and budget carry-over always returned considerably higher rewards than the fixed-budget model. How they performed relative to the selling model depended on the relative conservation value of past acquisitions. Both the models and case studies showed that incorporating flexibility through borrowing or budget carry-over gives conservation organizations the ability to purchase parcels of higher conservation value than when budgets are fixed without the problems associated with the selling of protected areas. © 2016 Society for Conservation Biology.

7 CFR 1737.11 - Preapplication determinations.

Code of Federal Regulations, 2010 CFR

2010-01-01

... application to RUS, the borrower should consider the following: (a) Area to be served. The proposed service area should neither include subscribers already receiving adequate service from another telephone... and are located between the proposed system and neighboring systems. See 7 CFR 1735.11 on Area...

7 CFR 1735.11 - Area coverage.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 7 Agriculture 11 2013-01-01 2013-01-01 false Area coverage. 1735.11 Section 1735.11 Agriculture Regulations of the Department of Agriculture (Continued) RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE... Policies § 1735.11 Area coverage. Borrowers must make adequate telephone service available to the widest...

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

PubMed

Reardon, C

1992-01-01

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

7 CFR 1710.103 - Area coverage.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 7 Agriculture 11 2013-01-01 2013-01-01 false Area coverage. 1710.103 Section 1710.103 Agriculture Regulations of the Department of Agriculture (Continued) RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE... Basic Policies § 1710.103 Area coverage. (a) Borrowers shall make a diligent effort to extend electric...

Can health care financing policy be emulated? The Singaporean medical savings accounts model and its Shanghai replica.

PubMed

Dong, Weizhen

2006-09-01

Each nation's government is searching for a cost-effective health care system. Some nations are developing their health care financing methods through gradual evolution of the existing ones, and others are trying to adopt other nations' successful schemes as their own financing strategies. The Singaporean government seems able to finance its nation's health care with a very low gross domestic product (GDP) input. Since the implementation of the medical savings accounts schemes (MSAs) in 1984, Singaporean government's share of the nation's total health care expenditure dropped from about 50% to 20%. Inspired by Singapore's success, the Chinese government adopted the Singaporean MSAs model as its health care financing schemes for urban areas. Shanghai was the first large urban centre to implement the MSAs in China. Through the study of the Singapore and Shanghai experiences, this article examines whether it is rational to borrow another nation's health care financing model, especially when the two societies have very different socioeconomic characteristics. However, the MSAs' success in Singapore did not guarantee its Shanghai success, because health care systems do not work alone. Through study of the MSAs' experiences in Singapore and Shanghai, this paper examines whether it is rational to borrow another nation's health care financing model, especially when the two societies have very different socioeconomic characteristics.

A summary of chemical and biological testing of proposed disposal of sediment from Richmond Harbor relative to the Deep Off-Shelf Reference Area, the Bay Farm Borrow Area, and the Alcatraz Environs Reference Area

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

Mayhew, H.L.; Karle, L.M.; Gruendell, B.D.

The US Army Corps of Engineers was authorized to dredge Richmond Harbor to accomodate large, deep-draft vessels. An ecological evaluation of the Harbor sediments was performed describing the physical characteristics, toxic substances, effects on aquatic organisms,and potential for bioaccumulation of chemical contaminants. The objective of this report is to compare the sediment chemistry, acute toxicity, and bioaccumulation results of the Richmond Harbor sediments to each of the reference areas; i.e., the Deep Off-Shelf Reference Area, the Bay Farm Borrow Area, and the Alcatraz Environs Reference Area. This report will enable the US Army Corps of Engineers to determine whether disposalmore » at a reference area is appropriate for all or part of the dredged material from Richmond Harbor. Chemical analyses were performed on 30 sediment samples; 28 of those samples were then combined to form 7 composites. The seven composites plus sediment from two additional stations received both chemical and biological evaluations.« less

Effects of proposed sediment borrow pits on nearshore wave climate and longshore sediment transport rate along Breton Island, Louisiana

USGS Publications Warehouse

Dalyander, Patricia (Soupy); Mickey, Rangley C.; Long, Joseph W.; Flocks, James G.

2015-05-02

As part of a plan to preserve bird habitat on Breton Island, the southernmost extent of the Chandeleur Islands and part of the Breton National Wildlife Refuge in Louisiana, the U.S. Fish and Wildlife Service plans to increase island elevation with sand supplied from offshore resources. Proposed sand extraction sites include areas offshore where the seafloor morphology suggests suitable quantities of sediment may be found. Two proposed locations east and south of the island, between 5.5–9 kilometers from the island in 3–6 meters of water, have been identified. Borrow pits are perturbations to shallow-water bathymetry and thus can affect the wave field in a variety of ways, including alterations in sediment transport and new erosional or accretional patterns along the beach. A scenario-based numerical modeling strategy was used to assess the effects of the proposed offshore borrow pits on the nearshore wave field. Effects were assessed over a range of wave conditions and were gaged by changes in significant wave height and wave direction inshore of the borrow sites, as well as by changes in the calculated longshore sediment transport rate. The change in magnitude of the calculated sediment transport rate with the addition of the two borrow pits was an order of magnitude less than the calculated baseline transport rate.

7 CFR 1710.203 - Requirement to prepare a load forecast-distribution borrowers.

Code of Federal Regulations, 2011 CFR

2011-01-01

...—distribution borrowers. (a) A distribution borrower that is a member of a power supply borrower with a total... forecast work plan of its power supply borrower. (b) A distribution borrower that is a member of a power supply borrower which is itself a member of another power supply borrower that has a total utility plant...

12 CFR 575.5 - Membership rights.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Membership rights. 575.5 Section 575.5 Banks... Membership rights. (a) Depositors and borrowers of resulting associations, acquiree associations, and... existing and future depositors of the resulting association the same membership rights in the mutual...

7 CFR 1789.153 - Borrower funding.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 7 Agriculture 12 2014-01-01 2013-01-01 true Borrower funding. 1789.153 Section 1789.153... Consultant Services Funded by Borrowers-General § 1789.153 Borrower funding. Borrowers shall use their general funds for the purposes of funding consultant services hereunder. Borrowers may not use the...

7 CFR 1789.153 - Borrower funding.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 7 Agriculture 12 2012-01-01 2012-01-01 false Borrower funding. 1789.153 Section 1789.153... Consultant Services Funded by Borrowers-General § 1789.153 Borrower funding. Borrowers shall use their general funds for the purposes of funding consultant services hereunder. Borrowers may not use the...

7 CFR 1789.153 - Borrower funding.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 7 Agriculture 12 2011-01-01 2011-01-01 false Borrower funding. 1789.153 Section 1789.153... Consultant Services Funded by Borrowers-General § 1789.153 Borrower funding. Borrowers shall use their general funds for the purposes of funding consultant services hereunder. Borrowers may not use the...

7 CFR 1789.153 - Borrower funding.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 12 2010-01-01 2010-01-01 false Borrower funding. 1789.153 Section 1789.153... Consultant Services Funded by Borrowers-General § 1789.153 Borrower funding. Borrowers shall use their general funds for the purposes of funding consultant services hereunder. Borrowers may not use the...

7 CFR 1789.153 - Borrower funding.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 7 Agriculture 12 2013-01-01 2013-01-01 false Borrower funding. 1789.153 Section 1789.153... Consultant Services Funded by Borrowers-General § 1789.153 Borrower funding. Borrowers shall use their general funds for the purposes of funding consultant services hereunder. Borrowers may not use the...

7 CFR 770.10 - Servicing.

Code of Federal Regulations, 2014 CFR

2014-01-01

... enrolled tribal members which is less than 50 percent of the Federally established poverty income rate...) Interest rate reduction. The Agency may consider a reduction of the interest rate for an existing loan to the current interest rate as available from any Agency office provided: (1) The borrower submits a...

7 CFR 770.10 - Servicing.

Code of Federal Regulations, 2013 CFR

2013-01-01

... enrolled tribal members which is less than 50 percent of the Federally established poverty income rate...) Interest rate reduction. The Agency may consider a reduction of the interest rate for an existing loan to the current interest rate as available from any Agency office provided: (1) The borrower submits a...

7 CFR 770.10 - Servicing.

Code of Federal Regulations, 2012 CFR

2012-01-01

... enrolled tribal members which is less than 50 percent of the Federally established poverty income rate...) Interest rate reduction. The Agency may consider a reduction of the interest rate for an existing loan to the current interest rate as available from any Agency office provided: (1) The borrower submits a...

7 CFR 770.10 - Servicing.

Code of Federal Regulations, 2011 CFR

2011-01-01

... enrolled tribal members which is less than 50 percent of the Federally established poverty income rate...) Interest rate reduction. The Agency may consider a reduction of the interest rate for an existing loan to the current interest rate as available from any Agency office provided: (1) The borrower submits a...

76 FR 44225 - Alternative Mortgage Transaction Parity (Regulation D)

Federal Register 2010, 2011, 2012, 2013, 2014

2011-07-22

... facilitate the modification of loans for distressed borrowers. However, refinancings are treated as new... their opt-out authority in whole or in part: Arizona, Maine, Massachusetts, New York, South Carolina... agencies, the Dodd-Frank Act amends existing federal consumer financial laws and establishes new standards...

Does Lateral Transmission Obscure Inheritance in Hunter-Gatherer Languages?

PubMed Central

Bowern, Claire; Epps, Patience; Gray, Russell; Hill, Jane; Hunley, Keith; McConvell, Patrick; Zentz, Jason

2011-01-01

In recent years, linguists have begun to increasingly rely on quantitative phylogenetic approaches to examine language evolution. Some linguists have questioned the suitability of phylogenetic approaches on the grounds that linguistic evolution is largely reticulate due to extensive lateral transmission, or borrowing, among languages. The problem may be particularly pronounced in hunter-gatherer languages, where the conventional wisdom among many linguists is that lexical borrowing rates are so high that tree building approaches cannot provide meaningful insights into evolutionary processes. However, this claim has never been systematically evaluated, in large part because suitable data were unavailable. In addition, little is known about the subsistence, demographic, ecological, and social factors that might mediate variation in rates of borrowing among languages. Here, we evaluate these claims with a large sample of hunter-gatherer languages from three regions around the world. In this study, a list of 204 basic vocabulary items was collected for 122 hunter-gatherer and small-scale cultivator languages from three ecologically diverse case study areas: northern Australia, northwest Amazonia, and California and the Great Basin. Words were rigorously coded for etymological (inheritance) status, and loan rates were calculated. Loan rate variability was examined with respect to language area, subsistence mode, and population size, density, and mobility; these results were then compared to the sample of 41 primarily agriculturalist languages in [1]. Though loan levels varied both within and among regions, they were generally low in all regions (mean 5.06%, median 2.49%, and SD 7.56), despite substantial demographic, ecological, and social variation. Amazonian levels were uniformly very low, with no language exhibiting more than 4%. Rates were low but more variable in the other two study regions, in part because of several outlier languages where rates of borrowing were especially high. High mobility, prestige asymmetries, and language shift may contribute to the high rates in these outliers. No support was found for claims that hunter-gatherer languages borrow more than agriculturalist languages. These results debunk the myth of high borrowing in hunter-gatherer languages and suggest that the evolution of these languages is governed by the same type of rules as those operating in large-scale agriculturalist speech communities. The results also show that local factors are likely to be more critical than general processes in determining high (or low) loan rates. PMID:21980394

34 CFR 682.604 - Processing the borrower's loan proceeds and counseling borrowers.

Code of Federal Regulations, 2011 CFR

2011-07-01

... 34 Education 4 2011-07-01 2011-07-01 false Processing the borrower's loan proceeds and counseling... Processing the borrower's loan proceeds and counseling borrowers. (a) General. (1) This section establishes rules governing a school's processing of a borrower's Stafford or PLUS loan proceeds, and for counseling...

34 CFR 682.604 - Processing the borrower's loan proceeds and counseling borrowers.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 34 Education 3 2010-07-01 2010-07-01 false Processing the borrower's loan proceeds and counseling...'s loan proceeds and counseling borrowers. (a) General. (1) This section establishes rules governing a school's processing of a borrower's Stafford or PLUS loan proceeds, and for counseling borrowers...

34 CFR 682.604 - Processing the borrower's loan proceeds and counseling borrowers.

Code of Federal Regulations, 2012 CFR

2012-07-01

... 34 Education 4 2012-07-01 2012-07-01 false Processing the borrower's loan proceeds and counseling... Processing the borrower's loan proceeds and counseling borrowers. (a) General. (1) This section establishes rules governing a school's processing of a borrower's Stafford or PLUS loan proceeds, and for counseling...

34 CFR 682.604 - Processing the borrower's loan proceeds and counseling borrowers.

Code of Federal Regulations, 2013 CFR

2013-07-01

... 34 Education 4 2013-07-01 2013-07-01 false Processing the borrower's loan proceeds and counseling... Processing the borrower's loan proceeds and counseling borrowers. (a) General. (1) This section establishes rules governing a school's processing of a borrower's Stafford or PLUS loan proceeds, and for counseling...

Quantum-dot-sensitized solar cells.

PubMed

Rühle, Sven; Shalom, Menny; Zaban, Arie

2010-08-02

Quantum-dot-sensitized solar cells (QDSCs) are a promising low-cost alternative to existing photovoltaic technologies such as crystalline silicon and thin inorganic films. The absorption spectrum of quantum dots (QDs) can be tailored by controlling their size, and QDs can be produced by low-cost methods. Nanostructures such as mesoporous films, nanorods, nanowires, nanotubes and nanosheets with high microscopic surface area, redox electrolytes and solid-state hole conductors are borrowed from standard dye-sensitized solar cells (DSCs) to fabricate electron conductor/QD monolayer/hole conductor junctions with high optical absorbance. Herein we focus on recent developments in the field of mono- and polydisperse QDSCs. Stability issues are adressed, coating methods are presented, performance is reviewed and special emphasis is given to the importance of energy-level alignment to increase the light to electric power conversion efficiency.

Borrowing Money. Science and Technology Education in Philippine Society.

ERIC Educational Resources Information Center

Philippines Univ., Quezon City. Inst. for Science and Mathematics Education Development.

This module discusses several borrowing schemes to help students see more clearly the effects of borrowing money on both the lender and the borrower. They include borrowing from personal lenders, from "5-6" operators, and from credit unions. Three exercise sets with answers (one for each borrowing scheme), a short list of references, and…

12 CFR 1024.17 - Escrow accounts.

Code of Federal Regulations, 2013 CFR

2013-01-01

... shortages, surpluses or deficiencies exist. Escrow account computation year is a 12-month period that a... includes each 12-month period thereafter, unless a servicer chooses to issue a short year statement under... cushion is two months of the borrower's escrow payments to the servicer or a lesser amount specified by...

12 CFR 1024.17 - Escrow accounts.

Code of Federal Regulations, 2012 CFR

2012-01-01

... shortages, surpluses or deficiencies exist. Escrow account computation year is a 12-month period that a... includes each 12-month period thereafter, unless a servicer chooses to issue a short year statement under... cushion is two months of the borrower's escrow payments to the servicer or a lesser amount specified by...

7 CFR 1951.240 - State Director's additional authorizations and guidance.

Code of Federal Regulations, 2010 CFR

2010-01-01

... instruments. (4) Approve the extension or expansion of facilities and services. (5) Require additional security when: (i) Existing security is inadequate and the loan or security instruments obligate the... borrower equal the present market value and are assigned and pledged to FmHA or its successor agency under...

12 CFR 620.11 - Content of quarterly report to shareholders.

Code of Federal Regulations, 2010 CFR

2010-01-01

... modification of existing financing agreements; and the reporting entity resulting from business combinations or... section. Such additional information as is needed to enable the reader to assess material changes in... statements of changes in protected borrower capital and at-risk capital for the period between the end of the...

12 CFR 32.5 - Combination rules.

Code of Federal Regulations, 2010 CFR

2010-01-01

... bank to acquire a business enterprise of which those borrowers will own more than 50 percent of the...) When a common enterprise is deemed to exist between the persons. (b) Direct benefit. The proceeds of a... proceeds are used to acquire property, goods, or services. (c) Common enterprise. A common enterprise will...

7 CFR 3575.89 - Mergers.

Code of Federal Regulations, 2010 CFR

2010-01-01

... merged borrower. Mergers may be approved when: (1) The merger is in the best interest of the Government.... (b) Distinguishing mergers from transfers and assumptions. Mergers occur when one entity combines with another entity in such a way that the first entity ceases to exist as a separate entity while the...

7 CFR 1710.208 - RUS criteria for approval of all load forecasts by power supply borrowers and by distribution...

Code of Federal Regulations, 2012 CFR

2012-01-01

... power supply borrowers and by distribution borrowers required to maintain an approved load forecast on... forecasts by power supply borrowers and by distribution borrowers required to maintain an approved load forecast on an ongoing basis. All load forecasts submitted by power supply borrowers and by distribution...

7 CFR 1710.208 - RUS criteria for approval of all load forecasts by power supply borrowers and by distribution...

Code of Federal Regulations, 2013 CFR

2013-01-01

... power supply borrowers and by distribution borrowers required to maintain an approved load forecast on... forecasts by power supply borrowers and by distribution borrowers required to maintain an approved load forecast on an ongoing basis. All load forecasts submitted by power supply borrowers and by distribution...

7 CFR 1710.208 - RUS criteria for approval of all load forecasts by power supply borrowers and by distribution...

Code of Federal Regulations, 2014 CFR

2014-01-01

... power supply borrowers and by distribution borrowers required to maintain an approved load forecast on... forecasts by power supply borrowers and by distribution borrowers required to maintain an approved load forecast on an ongoing basis. All load forecasts submitted by power supply borrowers and by distribution...

7 CFR 1710.208 - RUS criteria for approval of all load forecasts by power supply borrowers and by distribution...

Code of Federal Regulations, 2011 CFR

2011-01-01

... power supply borrowers and by distribution borrowers required to maintain an approved load forecast on... forecasts by power supply borrowers and by distribution borrowers required to maintain an approved load forecast on an ongoing basis. All load forecasts submitted by power supply borrowers and by distribution...

7 CFR 1710.103 - Area coverage.

Code of Federal Regulations, 2011 CFR

2011-01-01

... demands electric service only during certain seasons of the year. A temporary consumer is a seasonal or year-round consumer that demands electric service over a period of less than five years. (c) Borrowers...

7 CFR 1710.103 - Area coverage.

Code of Federal Regulations, 2010 CFR

2010-01-01

... demands electric service only during certain seasons of the year. A temporary consumer is a seasonal or year-round consumer that demands electric service over a period of less than five years. (c) Borrowers...

Sediment Transport and Slope Stability of Ship Shoal Borrow Areas for Coastal Restoration of Louisiana

NASA Astrophysics Data System (ADS)

Liu, H.; Xu, K.; Bentley, S. J.; Li, C.; Miner, M. D.; Wilson, C.; Xue, Z.

2017-12-01

Sandy barrier islands along Louisiana coast are degrading rapidly due to both natural and anthropogenic factors. Ship Shoal is one of the largest offshore sand resources, and has been used as a borrow area for Caminada Headland Restoration Project. Our knowledge of sediment transport and infilling processes in this new sandy and dynamic borrow area is rather limited. High resolution sub-bottom seismic data, side scan sonar images, multi-beam bathymetry and laser sediment grain size data were used to study seafloor morphological evolution and pit wall stability in response to both physical and geological processes. The multi-beam bathymetry and seismic profiling inside the pit showed that disequilibrium conditions led to rapid infilling in the pits at the beginning, but this process slowed down after the pit slope became stable and topography became smooth. We hypothesize that the erosion of the adjacent seabed sediment by energetic waves and longshore currents, the supply of suspended sediment from the rivers, and the erodible materials produced by local mass wasting on pit walls are three main types of infilling sediments. Compared with mud-capped dredge pits, this sandy dredge pit seems to have more gentle slopes on pit walls, which might be controlled by the angle of repose. Infilling sediment seems to be dominantly sandy, with some mud patches on bathymetric depressions. This study helps us better understand the impacts of mining sediment for coastal restoration and improves sand resource management efforts.

7 CFR 1710.207 - RUS criteria for approval of load forecasts by distribution borrowers not required to maintain an...

Code of Federal Regulations, 2011 CFR

2011-01-01

... distribution borrowers that are unaffiliated with a power supply borrower, or by distribution borrowers that are members of a power supply borrower that has a total utility plant less than $500 million and that is not itself a member of another power supply borrower with a total utility plant of $500 million or...

Sharing prescription medication among teenage girls: potential danger to unplanned/undiagnosed pregnancies.

PubMed

Daniel, Katherine Lyon; Honein, Margaret A; Moore, Cynthia A

2003-05-01

The objective of this study was to determine how often children and adolescents share prescription medications and, because of teratogenic concerns, assess specific reasons why girls might engage in medication-sharing behaviors. Data were collected as part of Youthstyles, a mail survey of children and adolescents 9 through 18 years of age (764 girls and 804 boys) about health issues, attitudinal variables, and media preferences. Information collected by the survey included the respondent's history of borrowing or sharing prescription medications, the frequency with which sharing occurred, the reasons why medications might be borrowed or shared, and who influences their decisions to borrow or share medication. A total of 20.1% of girls and 13.4% of boys reported ever borrowing or sharing medications. Of the girls surveyed, 15.7% reported borrowing prescription medications from others, and 14.5% reported sharing their prescription medication with someone else. The reported likelihood of sharing increased with age. Medication sharing or borrowing was not a "one time only" emergency use for many: 7.3% of girls 15 through 18 years of age had shared medications >3 times. Reasons that girls gave for why they would share medications included having a prescription for the same medicine (40.2%), getting the medication from a family member (33.4%), having the same problem as the person who had the medication (29%), or wanting something strong for pimples or oily skin (10.5%). Medication sharing is relatively common among children and adolescents and is more common among girls than boys. An adolescent who receives a medication via sharing does not receive the appropriate information about its actions and possible negative interactions with other medications or any other associated risks. Sharing potentially teratogenic drugs is of special concern. Many barriers exist to communicating the risk about teratogenic drugs to women and girls, particularly if they are not planning a pregnancy or are unaware that they are already pregnant. These findings suggest the need for basic research on issues related to the dangers of medication sharing and teratogenic risks, as well as the development of successful approaches to communicate these risks.

Disposal site quality team final report

DOT National Transportation Integrated Search

2001-09-01

The disposal site quality team was formed in July 2000 to address Caltrans (Department) and Federal Highway Administration (FHWA) policies on disposal, staging, and borrow areas (DSB), including plant sites, contractor yards, and access roads. Caltra...

7 CFR 1786.155 - Eligible borrower.

Code of Federal Regulations, 2010 CFR

2010-01-01

... purpose of determining eligibility for prepayment, a default by a power supply borrower from which a distribution borrower purchases wholesale power shall not be considered a default by the distribution borrower... borrower shall be current on all obligations under any wholesale power contract with an RUS financed power...

7 CFR 1786.155 - Eligible borrower.

Code of Federal Regulations, 2011 CFR

2011-01-01

... purpose of determining eligibility for prepayment, a default by a power supply borrower from which a distribution borrower purchases wholesale power shall not be considered a default by the distribution borrower... borrower shall be current on all obligations under any wholesale power contract with an RUS financed power...

7 CFR 1744.30 - Automatic lien accommodations.

Code of Federal Regulations, 2012 CFR

2012-01-01

... pro-forma basis, after taking into account the effect of the private lender notes and additional plant... execution of the private lender notes is not less than 1.6, on a pro-forma basis, after taking into account... notes secured by the borrower's existing Government mortgage; financing assets, to be owned by the...

7 CFR 1744.30 - Automatic lien accommodations.

Code of Federal Regulations, 2013 CFR

2013-01-01

... pro-forma basis, after taking into account the effect of the private lender notes and additional plant... execution of the private lender notes is not less than 1.6, on a pro-forma basis, after taking into account... notes secured by the borrower's existing Government mortgage; financing assets, to be owned by the...

7 CFR 1744.30 - Automatic lien accommodations.

Code of Federal Regulations, 2014 CFR

2014-01-01

... pro-forma basis, after taking into account the effect of the private lender notes and additional plant... execution of the private lender notes is not less than 1.6, on a pro-forma basis, after taking into account... notes secured by the borrower's existing Government mortgage; financing assets, to be owned by the...

7 CFR 1735.46 - Loan security documents.

Code of Federal Regulations, 2010 CFR

2010-01-01

... obtains a first lien on all assets of the borrower. This lien shall be in the form of a mortgage by the...-existing encumbrances, or otherwise, to furnish a first mortgage lien on its entire system the..., and 326-1 for details. See 7 CFR part 1744, subpart B for information on lien accommodations and...

7 CFR 3550.52 - Loan purposes.

Code of Federal Regulations, 2010 CFR

2010-01-01

... purchase a property currently financed by an RHS loan, the new borrower must assume the existing RHS... secured by a lien against the property, RHS will have a first lien position on the security property after... applicant's control, the applicant is in danger of losing the property, the debt is over $5,000, and the...

17 CFR 242.203 - Borrowing and delivery requirements.

Code of Federal Regulations, 2010 CFR

2010-04-01

... purchasing securities of like kind and quantity; (iii) Short sales effected by a market maker in connection with bona-fide market making activities in the security for which this exception is claimed; and (iv... § 242.200(g) existed; and (C) Either that the condition of the market at the time the mistake was...

17 CFR 242.203 - Borrowing and delivery requirements.

Code of Federal Regulations, 2011 CFR

2011-04-01

... purchasing securities of like kind and quantity; (iii) Short sales effected by a market maker in connection with bona-fide market making activities in the security for which this exception is claimed; and (iv... § 242.200(g) existed; and (C) Either that the condition of the market at the time the mistake was...

17 CFR 242.203 - Borrowing and delivery requirements.

Code of Federal Regulations, 2014 CFR

2014-04-01

... purchasing securities of like kind and quantity; (iii) Short sales effected by a market maker in connection with bona-fide market making activities in the security for which this exception is claimed; and (iv... § 242.200(g) existed; and (C) Either that the condition of the market at the time the mistake was...

17 CFR 242.203 - Borrowing and delivery requirements.

Code of Federal Regulations, 2013 CFR

2013-04-01

... purchasing securities of like kind and quantity; (iii) Short sales effected by a market maker in connection with bona-fide market making activities in the security for which this exception is claimed; and (iv... § 242.200(g) existed; and (C) Either that the condition of the market at the time the mistake was...

17 CFR 242.203 - Borrowing and delivery requirements.

Code of Federal Regulations, 2012 CFR

2012-04-01

... purchasing securities of like kind and quantity; (iii) Short sales effected by a market maker in connection with bona-fide market making activities in the security for which this exception is claimed; and (iv... § 242.200(g) existed; and (C) Either that the condition of the market at the time the mistake was...

76 FR 23714 - Railroad Safety Appliance Standards

Federal Register 2010, 2011, 2012, 2013, 2014

2011-04-28

... would include each of the elements that would be necessary to allow it to make an informed decision on a... for the review and approval of existing industry standards. This process will permit railroad industry.... Section 238.230 borrows the process set out in Sec. 238.21. It allows a recognized representative of the...

Does Homeownership Counseling Affect the Prepayment and Default Behavior of Affordable Mortgage Borrowers?

ERIC Educational Resources Information Center

Quercia, Roberto; Spader, Jonathan

2008-01-01

The lack of industry wide data on homeownership education and counseling (HEC) programs has severely limited evaluation. In particular, very little evidence exists on the relationship between HEC completion and loan prepayment, an outcome of interest to both mortgage lenders and consumer advocates. Where mortgage prepayment directly influences the…

7 CFR 1951.262 - Farm Credit Programs-graduation of borrowers.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 7 Agriculture 14 2011-01-01 2011-01-01 false Farm Credit Programs-graduation of borrowers. 1951... Credit Needs and Graduation of Borrowers § 1951.262 Farm Credit Programs—graduation of borrowers. (a)-(d) [Reserved] (e) Graduation candidates. Borrowers who are classified “commercial” or “standard” are graduation...

7 CFR 1951.262 - Farm Credit Programs-graduation of borrowers.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 7 Agriculture 14 2012-01-01 2012-01-01 false Farm Credit Programs-graduation of borrowers. 1951... Credit Needs and Graduation of Borrowers § 1951.262 Farm Credit Programs—graduation of borrowers. (a)-(d) [Reserved] (e) Graduation candidates. Borrowers who are classified “commercial” or “standard” are graduation...

7 CFR 1951.262 - Farm Credit Programs-graduation of borrowers.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 7 Agriculture 14 2013-01-01 2013-01-01 false Farm Credit Programs-graduation of borrowers. 1951... Credit Needs and Graduation of Borrowers § 1951.262 Farm Credit Programs—graduation of borrowers. (a)-(d) [Reserved] (e) Graduation candidates. Borrowers who are classified “commercial” or “standard” are graduation...

7 CFR 1951.262 - Farm Credit Programs-graduation of borrowers.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 7 Agriculture 14 2014-01-01 2014-01-01 false Farm Credit Programs-graduation of borrowers. 1951... Credit Needs and Graduation of Borrowers § 1951.262 Farm Credit Programs—graduation of borrowers. (a)-(d) [Reserved] (e) Graduation candidates. Borrowers who are classified “commercial” or “standard” are graduation...

7 CFR 1717.301 - Policy.

Code of Federal Regulations, 2011 CFR

2011-01-01

... in Rate Making in Connection With Power Supply Borrowers § 1717.301 Policy. (a) RUS makes and... condition to making or guaranteeing any loans to power supply borrowers, that the borrower enter into RUS... the power supply borrower to make payments on account of all indebtedness of the power supply borrower...

7 CFR 1717.301 - Policy.

Code of Federal Regulations, 2010 CFR

2010-01-01

... in Rate Making in Connection With Power Supply Borrowers § 1717.301 Policy. (a) RUS makes and... condition to making or guaranteeing any loans to power supply borrowers, that the borrower enter into RUS... the power supply borrower to make payments on account of all indebtedness of the power supply borrower...

Discovering SIFIs in Interbank Communities

PubMed Central

Pecora, Nicolò; Rovira Kaltwasser, Pablo; Spelta, Alessandro

2016-01-01

This paper proposes a new methodology based on non-negative matrix factorization to detect communities and to identify central nodes in a network as well as within communities. The method is specifically designed for directed weighted networks and, consequently, it has been applied to the interbank network derived from the e-MID interbank market. In an interbank network indeed links are directed, representing flows of funds between lenders and borrowers. Besides distinguishing between Systemically Important Borrowers and Lenders, the technique complements the detection of systemically important banks, revealing the community structure of the network, that proxies the most plausible areas of contagion of institutions’ distress. PMID:28002445

Feedback Limiting the Coastal Response to Irregularities in Shelf Bathymetry

NASA Astrophysics Data System (ADS)

List, J. H.; Benedet, L.

2007-12-01

Observations and engineering studies have shown that non-uniform inner shelf bathymetry can influence longshore sediment transport gradients and create patterns of shoreline change. One classic example is from Grand Isle, Louisiana, where two offshore borrow pits caused two zones of shoreline accretion landward of the pits. In addition to anthropogenic cases, many natural situations exist in which irregularities in coastal planform are thought to result from offshore shoals or depressions. Recent studies using the hydrodynamic model Delft3D have successfully simulated the observed nearshore erosion and accretion patterns landward of an inner shelf borrow pit. An analysis of the momentum balance in a steady-state simulation has demonstrated that both alongshore pressure gradients (due to alongshore variations in wave setup) and radiation stress gradients (terms relevant to alongshore forcing) are important for forcing the initial pattern of nearshore sedimentation in response to the borrow pit. The response of the coast to non-uniform inner shelf bathymetry appears to be limited, however, because observed shoreline undulations are often rather subtle. (An exception may exist in the case of a very high angle wave climate.) Therefore, feedbacks in processes must exist such that growth of the shoreline salient itself modifies the transport processes in a way that limits further growth (assuming the perturbation in inner shelf bathymetry itself remains unchanged). Examination of the Delft3D momentum balance for an inner shelf pit test case demonstrates that after a certain degree of morphologic development the forcing associated with the well-known shoreline smoothing process (a.k.a., diffusion) counteracts the forcing associated with the inner shelf pit, producing a negative feedback which arrests further growth of the shoreline salient. These results provide insights into the physical processes that control shoreline changes behind inner shelf bathymetric anomalies (i.e. man-made dredge pits and natural bathymetric features) and are therefore relevant to the understanding and prediction of shoreline change on many coasts.

7 CFR 1951.263 - Graduation of non-Farm Credit programs borrowers.

Code of Federal Regulations, 2010 CFR

2010-01-01

... format if the borrower's financial situation is accurately reflected. The borrower has 60 days for group... graduate within 30 days for RH borrowers, and 90 days for group type borrowers, after the date of the... loan request. (4) The difference in interest rates between the Agency and other lenders will not be...

7 CFR 1951.264 - Action when borrower fails to cooperate, respond or graduate.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 7 Agriculture 14 2011-01-01 2011-01-01 false Action when borrower fails to cooperate, respond or... Analyzing Credit Needs and Graduation of Borrowers § 1951.264 Action when borrower fails to cooperate, respond or graduate. (a) When borrowers with other than FCP loans fail to: (1) Provide information...

7 CFR 1951.264 - Action when borrower fails to cooperate, respond or graduate.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 14 2010-01-01 2009-01-01 true Action when borrower fails to cooperate, respond or... Analyzing Credit Needs and Graduation of Borrowers § 1951.264 Action when borrower fails to cooperate, respond or graduate. (a) When borrowers with other than FCP loans fail to: (1) Provide information...

7 CFR 1951.264 - Action when borrower fails to cooperate, respond or graduate.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 7 Agriculture 14 2012-01-01 2012-01-01 false Action when borrower fails to cooperate, respond or... Analyzing Credit Needs and Graduation of Borrowers § 1951.264 Action when borrower fails to cooperate, respond or graduate. (a) When borrowers with other than FCP loans fail to: (1) Provide information...

7 CFR 1951.264 - Action when borrower fails to cooperate, respond or graduate.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 7 Agriculture 14 2014-01-01 2014-01-01 false Action when borrower fails to cooperate, respond or... Analyzing Credit Needs and Graduation of Borrowers § 1951.264 Action when borrower fails to cooperate, respond or graduate. (a) When borrowers with other than FCP loans fail to: (1) Provide information...

7 CFR 1951.264 - Action when borrower fails to cooperate, respond or graduate.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 7 Agriculture 14 2013-01-01 2013-01-01 false Action when borrower fails to cooperate, respond or... Analyzing Credit Needs and Graduation of Borrowers § 1951.264 Action when borrower fails to cooperate, respond or graduate. (a) When borrowers with other than FCP loans fail to: (1) Provide information...

7 CFR 1951.263 - Graduation of non-Farm Credit programs borrowers.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 7 Agriculture 14 2012-01-01 2012-01-01 false Graduation of non-Farm Credit programs borrowers... Credit Needs and Graduation of Borrowers § 1951.263 Graduation of non-Farm Credit programs borrowers. (a... required for refinancing, or when a borrower is a public body and must issue bonds to accomplish graduation...

7 CFR 1951.263 - Graduation of non-Farm Credit programs borrowers.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 7 Agriculture 14 2013-01-01 2013-01-01 false Graduation of non-Farm Credit programs borrowers... Credit Needs and Graduation of Borrowers § 1951.263 Graduation of non-Farm Credit programs borrowers. (a... required for refinancing, or when a borrower is a public body and must issue bonds to accomplish graduation...

7 CFR 1951.263 - Graduation of non-Farm Credit programs borrowers.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 7 Agriculture 14 2011-01-01 2011-01-01 false Graduation of non-Farm Credit programs borrowers... Credit Needs and Graduation of Borrowers § 1951.263 Graduation of non-Farm Credit programs borrowers. (a... required for refinancing, or when a borrower is a public body and must issue bonds to accomplish graduation...

7 CFR 1951.263 - Graduation of non-Farm Credit programs borrowers.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 7 Agriculture 14 2014-01-01 2014-01-01 false Graduation of non-Farm Credit programs borrowers... Credit Needs and Graduation of Borrowers § 1951.263 Graduation of non-Farm Credit programs borrowers. (a... required for refinancing, or when a borrower is a public body and must issue bonds to accomplish graduation...

Testing the Nonce Borrowing Hypothesis: Counter-Evidence from English-Origin Verbs in Welsh

ERIC Educational Resources Information Center

Stammers, Jonathan R.; Deuchar, Margaret

2012-01-01

According to the nonce borrowing hypothesis (NBH), "[n]once borrowings pattern exactly like their native counterparts in the (unmixed) recipient language" (Poplack & Meechan, 1998a, p. 137). Nonce borrowings (Sankoff, Poplack & Vanniarajan, 1990, p. 74) are "lone other-language items" which differ from established borrowings in terms of frequency…

24 CFR 201.24 - Security requirements.

Code of Federal Regulations, 2010 CFR

2010-04-01

... borrower and all other owners in fee simple. (ii) If the borrower is a lessee, the borrower and all owners in fee simple must execute the mortgage or deed of trust. If the borrower is purchasing the property under a land installment contract, the borrower, all owners in fee simple, and all intervening contract...

12 CFR 701.38 - Borrowed funds from natural persons.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Borrowed funds from natural persons. 701.38... ORGANIZATION AND OPERATION OF FEDERAL CREDIT UNIONS § 701.38 Borrowed funds from natural persons. (a) Federal credit unions may borrow from a natural person, provided: (1) The borrowing is evidenced by a signed...

12 CFR 701.38 - Borrowed funds from natural persons.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 6 2011-01-01 2011-01-01 false Borrowed funds from natural persons. 701.38... ORGANIZATION AND OPERATION OF FEDERAL CREDIT UNIONS § 701.38 Borrowed funds from natural persons. (a) Federal credit unions may borrow from a natural person, provided: (1) The borrowing is evidenced by a signed...

12 CFR 617.7105 - When must a qualified lender disclose the effective interest rate to a borrower?

Code of Federal Regulations, 2010 CFR

2010-01-01

... effective interest rate to a borrower? 617.7105 Section 617.7105 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM BORROWER RIGHTS Disclosure of Effective Interest Rates § 617.7105 When must a qualified lender disclose the effective interest rate to a borrower? (a) Disclosure to prospective borrowers...

Data Show No Evidence of "Over-Borrowing" at Community Colleges. Fact Sheet

ERIC Educational Resources Information Center

Institute for College Access & Success, 2014

2014-01-01

Some community colleges have expressed concerns that their students borrow more than they need in federal loans. However, "the data do not support claims of 'over-borrowing' at community colleges." The vast majority of community college students do not borrow federal loans at all, and the few who do borrow do not take out large loan…

7 CFR 1751.101 - General.

Code of Federal Regulations, 2010 CFR

2010-01-01

... Regulations of the Department of Agriculture (Continued) RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE TELECOMMUNICATIONS SYSTEM PLANNING AND DESIGN CRITERIA, AND PROCEDURES State Telecommunications Modernization Plan... Plan must, at a minimum, apply to RUS Borrowers' wireline service areas. If a Modernization Plan is...

A Graduate Teaching Assistant Workshop in a Faculty of Science

ERIC Educational Resources Information Center

Harris, Dik; McEwen, Laura April

2009-01-01

This article describes the design and implementation of a workshop on teaching and learning for graduate teaching assistants (GTAs) in a Faculty of Science at a major Canadian research-intensive university. The approach borrows heavily from an existing successful workshop for faculty but is tailored specifically to the needs of GTAs in science in…

7 CFR 1710.303 - Power cost studies-power supply borrowers.

Code of Federal Regulations, 2010 CFR

2010-01-01

... contracts or revisions to existing contracts, and an analysis of the effects on power costs; (4) Use of sensitivity analyses to determine the vulnerability of the alternatives to a reasonable range of assumptions... conservation alternatives as set forth in §§ 1710.253 and 1710.254; (2) A present-value analysis of the costs...

7 CFR 1717.857 - Refinancing of existing secured debt-distribution and power supply borrowers.

Code of Federal Regulations, 2013 CFR

2013-01-01

... the loan being refinanced; and (4) The present value of the cost of the refinancing loan, including all transaction costs and any required investments in the lender, is less than the present value of... used in the present value analysis shall be equal to either: (i) The current rate on Treasury...

7 CFR 1717.857 - Refinancing of existing secured debt-distribution and power supply borrowers.

Code of Federal Regulations, 2014 CFR

2014-01-01

... the loan being refinanced; and (4) The present value of the cost of the refinancing loan, including all transaction costs and any required investments in the lender, is less than the present value of... used in the present value analysis shall be equal to either: (i) The current rate on Treasury...

7 CFR 1717.857 - Refinancing of existing secured debt-distribution and power supply borrowers.

Code of Federal Regulations, 2012 CFR

2012-01-01

... the loan being refinanced; and (4) The present value of the cost of the refinancing loan, including all transaction costs and any required investments in the lender, is less than the present value of... used in the present value analysis shall be equal to either: (i) The current rate on Treasury...

An Analysis of the Tuition Advance Fund Bill.

ERIC Educational Resources Information Center

National Association of Independent Colleges and Universities, Washington, DC. National Inst. of Independent Colleges and Universities.

The Tuition Advance Fund (TAF) bill is analyzed on theoretical economic grounds, and forecasts of the net costs of the proposed program up to 1990 are offered. The TAF bill proposes the establishment of a new system of college loans as an addition to existing programs to allow students to borrow tuition plus an allowance for other costs. Novel…

Equity and service innovation: the implementation of a bibliotherapy scheme in Wales.

PubMed

Porter, Alison; Peconi, Julie; Evans, Angela; Snooks, Helen; Lloyd, Keith; Russell, Ian

2008-04-01

Book Prescription Wales (BPW) is a pilot bibiliotherapy scheme launched in July 2005 as a primary care treatment option for people with mild to moderate mental health problems. In an innovative model, patients are prescribed self-help books from a list, to borrow from local libraries. Our objective was to evaluate its implementation, focusing on the issue of equity of service delivery. Data were gathered from Welsh Assembly Government concerning project set-up and borrowing rates. Mailed questionnaires were completed by 21/22 (95.4%) Local Health Boards and 44/64 (68.8%) Community Mental Health Teams. In addition, 327 out of 497 (66%) primary care practices were surveyed by telephone, 20 prescribers took part in in-depth telephone interviews and three focus groups were conducted with library staff. From July 2005-March 2006, books were borrowed 15,236 times. There was a 10-fold variation in borrowing rates across local authorities (1.07 to 10.18 loans/1000 people). The priority which Local Health Board staff reported giving to the scheme varied. Uptake among prescribers was mixed: in 35% of general practices (n = 116) no-one participated. Prescribers reported different ways of using the bibliotherapy scheme. Library staff reported issues of patchy uptake. Variation in usage of bibliotherapy raises questions about equity; it is unlikely to reflect the distribution of people who could potentially benefit. Factors influencing variation existed all along the implementation chain. It is not always possibly to separate demand-side and supply-side factors when considering equity and service innovation in health care.

10 CFR 70.4 - Definitions.

Code of Federal Regulations, 2014 CFR

2014-01-01

... provides oversight and control of design information, safety information, and records of modifications... and borrow areas; (4) Erection of fences and other access control measures that are not related to the..., firm, association, trust, estate, public or private institution, group, Government agency other than...

10 CFR 70.4 - Definitions.

Code of Federal Regulations, 2013 CFR

2013-01-01

... provides oversight and control of design information, safety information, and records of modifications... and borrow areas; (4) Erection of fences and other access control measures that are not related to the..., firm, association, trust, estate, public or private institution, group, Government agency other than...

Recognition of English and German Borrowings in the Russian Language (Based on Lexical Borrowings in the Field of Economics)

ERIC Educational Resources Information Center

Ashrapova, Alsu; Alendeeva, Svetlana

2014-01-01

This article is the result of a study of the influence of English and German on the Russian language during the English learning based on lexical borrowings in the field of economics. This paper discusses the use and recognition of borrowings from the English and German languages by Russian native speakers. The use of lexical borrowings from…

7 CFR 765.101 - Borrower graduation requirements.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 7 Agriculture 7 2013-01-01 2013-01-01 false Borrower graduation requirements. 765.101 Section 765..., DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS DIRECT LOAN SERVICING-REGULAR Borrower Graduation § 765.101 Borrower graduation requirements. (a) In accordance with the promissory note and security instruments, the...

7 CFR 765.101 - Borrower graduation requirements.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 7 Agriculture 7 2011-01-01 2011-01-01 false Borrower graduation requirements. 765.101 Section 765..., DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS DIRECT LOAN SERVICING-REGULAR Borrower Graduation § 765.101 Borrower graduation requirements. (a) In accordance with the promissory note and security instruments, the...

7 CFR 765.101 - Borrower graduation requirements.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 7 Agriculture 7 2014-01-01 2014-01-01 false Borrower graduation requirements. 765.101 Section 765..., DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS DIRECT LOAN SERVICING-REGULAR Borrower Graduation § 765.101 Borrower graduation requirements. (a) In accordance with the promissory note and security instruments, the...

7 CFR 765.101 - Borrower graduation requirements.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 7 Agriculture 7 2012-01-01 2012-01-01 false Borrower graduation requirements. 765.101 Section 765..., DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS DIRECT LOAN SERVICING-REGULAR Borrower Graduation § 765.101 Borrower graduation requirements. (a) In accordance with the promissory note and security instruments, the...

7 CFR 761.102 - Borrower recordkeeping, reporting, and supervision.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 7 Agriculture 7 2011-01-01 2011-01-01 false Borrower recordkeeping, reporting, and supervision. 761.102 Section 761.102 Agriculture Regulations of the Department of Agriculture (Continued) FARM... Credit § 761.102 Borrower recordkeeping, reporting, and supervision. (a) A borrower must maintain...

7 CFR 761.102 - Borrower recordkeeping, reporting, and supervision.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 7 Agriculture 7 2012-01-01 2012-01-01 false Borrower recordkeeping, reporting, and supervision. 761.102 Section 761.102 Agriculture Regulations of the Department of Agriculture (Continued) FARM... ADMINISTRATION Supervised Credit § 761.102 Borrower recordkeeping, reporting, and supervision. (a) A borrower...

7 CFR 761.102 - Borrower recordkeeping, reporting, and supervision.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 7 2010-01-01 2010-01-01 false Borrower recordkeeping, reporting, and supervision. 761.102 Section 761.102 Agriculture Regulations of the Department of Agriculture (Continued) FARM... Credit § 761.102 Borrower recordkeeping, reporting, and supervision. (a) A borrower must maintain...

7 CFR 761.102 - Borrower recordkeeping, reporting, and supervision.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 7 Agriculture 7 2013-01-01 2013-01-01 false Borrower recordkeeping, reporting, and supervision. 761.102 Section 761.102 Agriculture Regulations of the Department of Agriculture (Continued) FARM... ADMINISTRATION Supervised Credit § 761.102 Borrower recordkeeping, reporting, and supervision. (a) A borrower...

7 CFR 761.102 - Borrower recordkeeping, reporting, and supervision.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 7 Agriculture 7 2014-01-01 2014-01-01 false Borrower recordkeeping, reporting, and supervision. 761.102 Section 761.102 Agriculture Regulations of the Department of Agriculture (Continued) FARM... ADMINISTRATION Supervised Credit § 761.102 Borrower recordkeeping, reporting, and supervision. (a) A borrower...

7 CFR 1710.102 - Borrower eligibility for different types of loans.

Code of Federal Regulations, 2010 CFR

2010-01-01

... financing of distribution and subtransmission facilities of both distribution and power supply borrowers... distribution and subtransmission facilities of both distribution and power supply borrowers, including, under.... Both distribution and power supply borrowers are eligible for 100 percent loan guarantees under section...

7 CFR 1710.102 - Borrower eligibility for different types of loans.

Code of Federal Regulations, 2011 CFR

2011-01-01

... financing of distribution and subtransmission facilities of both distribution and power supply borrowers... distribution and subtransmission facilities of both distribution and power supply borrowers, including, under.... Both distribution and power supply borrowers are eligible for 100 percent loan guarantees under section...

Modeling Lexical Borrowability.

ERIC Educational Resources Information Center

van Hout, Roeland; Muysken, Pieter

1994-01-01

Develops analytical techniques to determine "borrowability," the ease with which a lexical item or category of lexical items can be borrowed by one language from another. These techniques are then applied to Spanish borrowings in Bolivian Quechua on the basis of a set of bilingual texts. (29 references) (MDM)

The Modeling of Systems and Macro-Systemic Change: Lessons for Evaluation from Epidemiology and Ecology. Research Monograph.

ERIC Educational Resources Information Center

Ridgway, James

The paper begins with a discussion of the roles of science in the political world and, borrowing from Shakley and Wynne (1996), describes some different relationships which can exist between science and policy. It argues that education systemic reform (ESR) constitutes a novel approach to educational reform, about which little is known, and about…

12 CFR Appendix C to Part 741 - Interpretive Ruling and Policy Statement on Loan Workouts, Nonaccrual Policy, and Regulatory...

Code of Federal Regulations, 2014 CFR

2014-01-01

... such circumstances exist, and as long as they exist—consistent with GAAP the Cost Recovery Method of... loans (herein after referred to as TDR or TDRs). 1 Terms defined in the Glossary will be italicized on... “workouts” for further descriptions of each term. Borrower retention programs or new loans are not...

7 CFR 1753.94 - Procedures.

Code of Federal Regulations, 2010 CFR

2010-01-01

... accept the certification only for matters within the staff engineer's area of specialization. In such... certification coordinator. (b) Certification borrowers, shall submit and obtain RUS approval of a work plan before construction and related engineering begin. (1) The work plan shall provide a description of the...

77 FR 75970 - Information Collection Activity; Comment Request

Federal Register 2010, 2011, 2012, 2013, 2014

2012-12-26

... (RUS) makes mortgage loans and loan guarantees to electric and telecommunications systems to provide and improve electric and telecommunications service in rural areas pursuant to the Rural... RUS borrowers are ordinarily mortgaged or pledged to the Federal Government as security for RUS loans...

7 CFR 1710.251 - Construction work plans-distribution borrowers.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 11 2010-01-01 2010-01-01 false Construction work plans-distribution borrowers. 1710...—distribution borrowers. (a) All distribution borrowers must maintain a current CWP approved by their board of directors covering all new construction, improvements, replacements, and retirements of distribution and...

7 CFR 765.102 - Borrower noncompliance with graduation requirements.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 7 Agriculture 7 2013-01-01 2013-01-01 false Borrower noncompliance with graduation requirements... Graduation § 765.102 Borrower noncompliance with graduation requirements. Borrower failure to fulfill all graduation requirements within the time-period specified by the Agency constitutes default on the loan. The...

7 CFR 765.102 - Borrower noncompliance with graduation requirements.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 7 Agriculture 7 2011-01-01 2011-01-01 false Borrower noncompliance with graduation requirements... Graduation § 765.102 Borrower noncompliance with graduation requirements. Borrower failure to fulfill all graduation requirements within the time-period specified by the Agency constitutes default on the loan. The...

7 CFR 765.102 - Borrower noncompliance with graduation requirements.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 7 Agriculture 7 2012-01-01 2012-01-01 false Borrower noncompliance with graduation requirements... Graduation § 765.102 Borrower noncompliance with graduation requirements. Borrower failure to fulfill all graduation requirements within the time-period specified by the Agency constitutes default on the loan. The...

7 CFR 765.102 - Borrower noncompliance with graduation requirements.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 7 2010-01-01 2010-01-01 false Borrower noncompliance with graduation requirements... Graduation § 765.102 Borrower noncompliance with graduation requirements. Borrower failure to fulfill all graduation requirements within the time-period specified by the Agency constitutes default on the loan. The...

7 CFR 765.102 - Borrower noncompliance with graduation requirements.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 7 Agriculture 7 2014-01-01 2014-01-01 false Borrower noncompliance with graduation requirements... Graduation § 765.102 Borrower noncompliance with graduation requirements. Borrower failure to fulfill all graduation requirements within the time-period specified by the Agency constitutes default on the loan. The...

Direct Consolidation Loan Guide for Schools.

ERIC Educational Resources Information Center

Department of Education, Washington, DC.

This guide is intended to help educational institutions counsel students and parents about consolidation of federal education loans for borrowers in repayment, borrowers in default, and borrowers who are still in school. Through consolidation, borrowers may combine various types of federal education loans, including direct loans and loans made…

7 CFR 1717.653 - Borrowers in default.

Code of Federal Regulations, 2010 CFR

2010-01-01

..., to be in the financial interest of the government with respect to loan security and/or repayment. If... AGRICULTURE POST-LOAN POLICIES AND PROCEDURES COMMON TO INSURED AND GUARANTEED ELECTRIC LOANS Investments, Loans, and Guarantees by Electric Borrowers § 1717.653 Borrowers in default. Any borrower not in...

34 CFR 685.213 - Total and permanent disability discharge.

Code of Federal Regulations, 2011 CFR

2011-07-01

... Loan based on a total and permanent disability, a borrower must submit a discharge application to the..., who is a doctor of medicine or osteopathy legally authorized to practice in a State, that the borrower... require the borrower to submit additional medical evidence if the Secretary determines that the borrower's...

34 CFR 685.213 - Total and permanent disability discharge.

Code of Federal Regulations, 2012 CFR

2012-07-01

... Loan based on a total and permanent disability, a borrower must submit a discharge application to the..., who is a doctor of medicine or osteopathy legally authorized to practice in a State, that the borrower... require the borrower to submit additional medical evidence if the Secretary determines that the borrower's...

34 CFR 682.604 - Required exit counseling for borrowers.

Code of Federal Regulations, 2014 CFR

2014-07-01

... 34 Education 4 2014-07-01 2014-07-01 false Required exit counseling for borrowers. 682.604 Section... counseling for borrowers. (a) Exit counseling. (1) A school must ensure that exit counseling is conducted... ensure that this counseling is conducted shortly before the student borrower ceases at least half-time...

Undeclared Imports: Silent Borrowing in Educational Policy-Making and Research in Sweden

ERIC Educational Resources Information Center

Waldow, Florian

2009-01-01

Research on educational policy borrowing has mostly focused on explicit transfer processes, often highlighting how explicit reference to the international has served legitimatory purposes in the borrowing country. In contrast, this paper focuses on "silent" borrowing, i.e. non-acknowledged processes of policy transfer. The paper argues…

Interlingual and Interdialectal Borrowings in Chinese.

ERIC Educational Resources Information Center

Chao, Y.R.

The processes involved in "borrowing" words and structures between languages and among dialects are discussed and illustrated. Interlingual borrowings between Chinese and other languages have taken place in several different ways. Sometimes the sounds of the foreign word are imitated using the sounds of the borrowing language ("leidar" for 'radar'…

7 CFR 1806.28 - Borrowers required to escrow.

Code of Federal Regulations, 2011 CFR

2011-01-01

... insufficient funds to pay the flood insurance premium when due, the County Supervisor will request the borrower... the flood insurance premium is being paid, the advance will be charged to the initial or lowest... REGULATIONS INSURANCE National Flood Insurance § 1806.28 Borrowers required to escrow. For borrowers required...

7 CFR 1951.7 - Accounts of borrowers.

Code of Federal Regulations, 2010 CFR

2010-01-01

... collection-only borrowers. (1) Collection-only borrowers are expected to pay debts to FmHA or its successor agency under Public Law 103-354 in accordance with their ability to pay. Efforts to collect such debts... activities. If these borrowers are unable to pay in full, appropriate debt settlement policies should be...

34 CFR 682.209 - Repayment of a loan.

Code of Federal Regulations, 2010 CFR

2010-07-01

... a borrower who is a member of a reserve component of the Armed Forces named in section 10101 of... borrower's expected total monthly gross income received by the borrower from employment and from other... the most recent total monthly gross income received by the borrower from employment and from other...

Ideas for Planning Your Instructional Materials Center. Administration; Conference and Independent Study; Listening and Viewing; Materials Production; Reading, Research and Borrowing; Storage and Maintenance.

ERIC Educational Resources Information Center

Massachusetts School Building Assistance Commission, Boston.

This report suggests that the instructional materials center be flexible for multigroup activities, expansible for future physical growth, and central to the instructional program. Area specifications are given for the following areas: materials research, small groups, cataloging and processing materials, and listening and speaking, and for a dark…

10 CFR 70.4 - Definitions.

Code of Federal Regulations, 2012 CFR

2012-01-01

... provides oversight and control of design information, safety information, and records of modifications... effective agreement under subsection 274b. of the Act. Non-agreement State means any other State. Alert... and borrow areas; (4) Erection of fences and other access control measures that are not related to the...

7 CFR 3560.53 - Eligible use of funds.

Code of Federal Regulations, 2010 CFR

2010-01-01

... be used for central cooking and dining areas. (h) Management-related facilities. Funds may be used to... requirements. (m) Legal, technical and professional services. Funds may be used for the costs of legal, technical, and professional services related to the borrower's MFH project, including appraisals...

Dreamy Draw Dam - Master Plan and Feature Design, New River and Phoenix City Streams, Arizona.

DTIC Science & Technology

1981-09-01

Carnegiea gigantea Saguaro Cactus Ferocactus wislizenii Fishhook Barrel Cactus The area north of the paved assembly area will be recontoured to...brittlebush, triangle bursage, little leaf palo verde, ocotillo, and various cacti species (pls. 8 and 9). Destructive past land uses have contributed to the...is well established. Plants used include saguaro , ocotillo, and Bermuda grass. The areas used for borrowing of material in construction of the 18 dam

Paying the Piper: The High Cost of Funerals in South Africa1

PubMed Central

Case, Anne; Garrib, Anu; Menendez, Alicia; Olgiati, Analia

2013-01-01

We analyze funeral arrangements following the deaths of 3,751 people who died between January 2003 and December 2005 in the Africa Centre Demographic Surveillance Area. We find that, on average, households spend the equivalent of a year's income for an adult's funeral, measured at median per capita African (Black) income. Approximately one-quarter of all individuals had some form of insurance, which helped surviving household members defray some fraction of funeral expenses. However, an equal fraction of households borrowed money to pay for the funeral. We develop a model, consistent with ethnographic work in this area, in which households respond to social pressure to bury their dead in a style consistent with the observed social status of the household and that of the deceased. Households that cannot afford a funeral commensurate with social expectations must borrow money to pay for the funeral. The model leads to empirical tests, and we find results consistent with our model of household decision-making. PMID:24235777

12 CFR 615.5250 - Disclosure requirements for borrower stock.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Disclosure requirements for borrower stock. 615... Disclosure requirements for borrower stock. (a) For sales of borrower stock, which for this subpart means... an at-risk investment and not a compensating balance; (ii) That the equity is retireable only at the...

34 CFR 685.215 - Discharge for false certification of student eligibility or unauthorized payment.

Code of Federal Regulations, 2014 CFR

2014-07-01

... accordance with the provisions of this section if a school falsely certifies the eligibility of the borrower... student's eligibility to borrow to have been falsely certified by the school if the school— (i) Certified... the school, without the borrower's authorization, endorsed the borrower's loan check or signed the...

7 CFR 1717.302 - Definitions and rules of construction.

Code of Federal Regulations, 2010 CFR

2010-01-01

... ELECTRIC LOANS Federal Pre-emption in Rate Making in Connection With Power Supply Borrowers § 1717.302... otherwise stated in the text, “borrower” shall mean power supply borrower. Loan contract means the agreement... loans made or guaranteed pursuant to the RE Act. Power supply borrower means any borrower engaged in the...

7 CFR 1717.302 - Definitions and rules of construction.

Code of Federal Regulations, 2011 CFR

2011-01-01

... ELECTRIC LOANS Federal Pre-emption in Rate Making in Connection With Power Supply Borrowers § 1717.302... otherwise stated in the text, “borrower” shall mean power supply borrower. Loan contract means the agreement... loans made or guaranteed pursuant to the RE Act. Power supply borrower means any borrower engaged in the...

12 CFR 220.10 - Borrowing and lending securities.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

34 CFR 685.209 - Income contingent repayment plan.

Code of Federal Regulations, 2012 CFR

2012-07-01

... borrower's AGI minus the amount of the “HHS Poverty Guidelines for all States (except Alaska and Hawaii... borrower's AGI minus the amounts in the “HHS Poverty Guidelines for Alaska” and the “HHS Poverty Guidelines... borrower has more than one person in the borrower's family, the Secretary applies the HHS Poverty...

34 CFR 685.209 - Income contingent repayment plan.

Code of Federal Regulations, 2011 CFR

2011-07-01

... borrower's AGI minus the amount of the “HHS Poverty Guidelines for all States (except Alaska and Hawaii... borrower's AGI minus the amounts in the “HHS Poverty Guidelines for Alaska” and the “HHS Poverty Guidelines... borrower has more than one person in the borrower's family, the Secretary applies the HHS Poverty...

7 CFR 1944.425 - Handling and accounting for borrower loan funds.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 7 Agriculture 13 2013-01-01 2013-01-01 false Handling and accounting for borrower loan funds. 1944... Grants § 1944.425 Handling and accounting for borrower loan funds. Grantees will be required to administer borrower loan funds during the construction phases. The extent of their involvement will depend on...

7 CFR 1944.425 - Handling and accounting for borrower loan funds.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 7 Agriculture 13 2014-01-01 2013-01-01 true Handling and accounting for borrower loan funds. 1944... Grants § 1944.425 Handling and accounting for borrower loan funds. Grantees will be required to administer borrower loan funds during the construction phases. The extent of their involvement will depend on...

7 CFR 1944.425 - Handling and accounting for borrower loan funds.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 7 Agriculture 13 2012-01-01 2012-01-01 false Handling and accounting for borrower loan funds. 1944... Grants § 1944.425 Handling and accounting for borrower loan funds. Grantees will be required to administer borrower loan funds during the construction phases. The extent of their involvement will depend on...

7 CFR 1944.425 - Handling and accounting for borrower loan funds.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 7 Agriculture 13 2011-01-01 2009-01-01 true Handling and accounting for borrower loan funds. 1944... Grants § 1944.425 Handling and accounting for borrower loan funds. Grantees will be required to administer borrower loan funds during the construction phases. The extent of their involvement will depend on...

7 CFR 4287.145 - Default by borrower.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 15 2010-01-01 2010-01-01 false Default by borrower. 4287.145 Section 4287.145... Loans § 4287.145 Default by borrower. (a) The lender must notify the Agency when a borrower is 30 days past due on a payment or is otherwise in default of the Loan Agreement. Form FmHA 1980-44, “Guaranteed...

77 FR 20796 - Annual Updates to the Income Contingent Repayment (ICR) Plan Formula for 2011; William D. Ford...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-04-06

... Amounts General notes about the examples in this attachment: The interest rates used in the examples are... in this attachment. For married borrowers, the outstanding balance on the loans of each borrower and... proportion as that borrower's debt to the total outstanding balance. Each borrower is billed separately. For...

42 CFR 60.8 - What are the borrower's major rights and responsibilities?

Code of Federal Regulations, 2010 CFR

2010-10-01

... 42 Public Health 1 2010-10-01 2010-10-01 false What are the borrower's major rights and responsibilities? 60.8 Section 60.8 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS HEALTH EDUCATION ASSISTANCE LOAN PROGRAM The Borrower § 60.8 What are the borrower's major rights...

Doing away with Debt: Using Existing Resources to Ensure College Affordability for Low and Middle-Income Families. [Executive Summary

ERIC Educational Resources Information Center

Education Trust, 2013

2013-01-01

America's financial-aid system has become almost impossible to navigate and burdensome for those who need it most. Tuition and fees are skyrocketing, forcing almost half of college-going students to borrow. Low and middle-income students are taking on frightening levels of debt. Bachelor's degree recipients leave school with an average of $26,600…

7 CFR 1737.30 - General.

Code of Federal Regulations, 2013 CFR

2013-01-01

... Studies-Area Coverage Survey and Loan Design § 1737.30 General. In support of a loan application, the... Coverage Survey) and (b) engineering studies to determine the system design that provides service most efficiently (the Loan Design). The RUS field representative confers with the borrower and its engineer to...

7 CFR 1737.30 - General.

Code of Federal Regulations, 2014 CFR

2014-01-01

... Studies-Area Coverage Survey and Loan Design § 1737.30 General. In support of a loan application, the... Coverage Survey) and (b) engineering studies to determine the system design that provides service most efficiently (the Loan Design). The RUS field representative confers with the borrower and its engineer to...

7 CFR 1737.30 - General.

Code of Federal Regulations, 2012 CFR

2012-01-01

... Studies-Area Coverage Survey and Loan Design § 1737.30 General. In support of a loan application, the... Coverage Survey) and (b) engineering studies to determine the system design that provides service most efficiently (the Loan Design). The RUS field representative confers with the borrower and its engineer to...

7 CFR 1737.30 - General.

Code of Federal Regulations, 2011 CFR

2011-01-01

... Studies-Area Coverage Survey and Loan Design § 1737.30 General. In support of a loan application, the... Coverage Survey) and (b) engineering studies to determine the system design that provides service most efficiently (the Loan Design). The RUS field representative confers with the borrower and its engineer to...

7 CFR 1737.30 - General.

Code of Federal Regulations, 2010 CFR

2010-01-01

... Studies-Area Coverage Survey and Loan Design § 1737.30 General. In support of a loan application, the... Coverage Survey) and (b) engineering studies to determine the system design that provides service most efficiently (the Loan Design). The RUS field representative confers with the borrower and its engineer to...

7 CFR 1788.3 - Flood insurance.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 12 2010-01-01 2010-01-01 false Flood insurance. 1788.3 Section 1788.3 Agriculture... Insurance Requirements § 1788.3 Flood insurance. (a) Borrowers shall purchase and maintain flood insurance for buildings in flood hazard areas to the extent available and required under the National Flood...

Documenting Gratitude as a Practice in Positive Scholarship

ERIC Educational Resources Information Center

Franks, Tara M.

2015-01-01

As an emerging interest area, positive communication scholarship focuses on issues of happiness and well-being in a variety of social contexts. Borrowing from positive psychology and happiness literature (Lyubomirsky, 2008), positive communication research explores expressions of gratitude, kindness, compassion, and forgiveness, as well as issues…

Effective Counseling, Empowered Borrowers: An Evidence-Based Policy Agenda for Informed Student Loan Borrowing and Repayment. Research Report

ERIC Educational Resources Information Center

Fernandez, Chris

2016-01-01

To manage their loans effectively, U.S. postsecondary student loan borrowers must make a variety of important decisions that require significant knowledge and financial skills and entail considerable risk. Federal law requires colleges to provide student loan counseling to their federal student loan borrowers, but there is significant room for…

The Changing Profile of Student Borrowers: Biggest Increase in Borrowing Has Been among More Affluent Students

ERIC Educational Resources Information Center

Fry, Richard

2014-01-01

This report focuses on the family income background of recent college graduates who took on student debt and how the financial profile of borrowers has changed over the past 20 years. Many recent analyses have examined why undergraduates are borrowing more for their education. This analysis seeks to illuminate which undergraduates are increasingly…

12 CFR 617.7120 - How should a qualified lender present the disclosures to a borrower?

Code of Federal Regulations, 2010 CFR

2010-01-01

... SYSTEM BORROWER RIGHTS Disclosure of Effective Interest Rates § 617.7120 How should a qualified lender present the disclosures to a borrower? A qualified lender must: (a) Disclose the effective interest rate..., in a form that is easy to read and understand and that the borrower may keep; and (b) Not combine the...

7 CFR 1717.860 - Lien accommodations and subordinations under section 306E of the RE Act.

Code of Federal Regulations, 2010 CFR

2010-01-01

... worth will be based on the borrower's most recent financial and statistical report, the data in which... statistical reports (Form 7 for distribution borrowers and Form 12a for power supply borrowers) are subject to... borrower's financial and statistical report, the data in which shall not be more than 60 days old when the...

7 CFR 1717.657 - Investments above the 15 percent level by certain borrowers not exempt under § 1717.656(a).

Code of Federal Regulations, 2010 CFR

2010-01-01

... plant. (d) Distribution and power supply borrowers. If the aggregate of the investments, loans and... investment controls under § 1717.656(a) may not make investments, loans and guarantees in an aggregate amount... (d) of this section.) (c) Power supply borrowers. (1) Power supply borrowers not exempt from RUS...

7 CFR 1710.202 - Requirement to prepare a load forecast-power supply borrowers.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 7 Agriculture 11 2011-01-01 2011-01-01 false Requirement to prepare a load forecast-power supply...—power supply borrowers. (a) A power supply borrower with a total utility plant of $500 million or more... be prepared pursuant to the approved load forecast work plan. (b) A power supply borrower that is a...

7 CFR 1737.50 - Review of completed loan application.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 3017); (3) A market survey called the Area Coverage Survey (ACS); (4) The plan and associated costs for the proposed construction, called the Loan Design (LD); (5) Evidence that the borrower is... determine that the system design is acceptable to RUS, that the design is technically correct, that the cost...

7 CFR 1737.50 - Review of completed loan application.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 3017); (3) A market survey called the Area Coverage Survey (ACS); (4) The plan and associated costs for the proposed construction, called the Loan Design (LD); (5) Evidence that the borrower is... determine that the system design is acceptable to RUS, that the design is technically correct, that the cost...

7 CFR 1737.50 - Review of completed loan application.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 3017); (3) A market survey called the Area Coverage Survey (ACS); (4) The plan and associated costs for the proposed construction, called the Loan Design (LD); (5) Evidence that the borrower is... determine that the system design is acceptable to RUS, that the design is technically correct, that the cost...

7 CFR 1737.50 - Review of completed loan application.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 3017); (3) A market survey called the Area Coverage Survey (ACS); (4) The plan and associated costs for the proposed construction, called the Loan Design (LD); (5) Evidence that the borrower is... determine that the system design is acceptable to RUS, that the design is technically correct, that the cost...

7 CFR 1737.50 - Review of completed loan application.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 3017); (3) A market survey called the Area Coverage Survey (ACS); (4) The plan and associated costs for the proposed construction, called the Loan Design (LD); (5) Evidence that the borrower is... determine that the system design is acceptable to RUS, that the design is technically correct, that the cost...

42 CFR 57.213a - Loan cancellation reimbursement.

Code of Federal Regulations, 2013 CFR

2013-10-01

... this subpart for practice in a shortage area, death, or disability: (1) Each school will be paid an... against the loss of the institutional share of a loan canceled due to the borrower's death or permanent and total disability. The school must develop annually a rate which reflects its cancellation...

42 CFR 57.213a - Loan cancellation reimbursement.

Code of Federal Regulations, 2011 CFR

2011-10-01

... this subpart for practice in a shortage area, death, or disability: (1) Each school will be paid an... against the loss of the institutional share of a loan canceled due to the borrower's death or permanent and total disability. The school must develop annually a rate which reflects its cancellation...

42 CFR 57.213a - Loan cancellation reimbursement.

Code of Federal Regulations, 2010 CFR

2010-10-01

... this subpart for practice in a shortage area, death, or disability: (1) Each school will be paid an... against the loss of the institutional share of a loan canceled due to the borrower's death or permanent and total disability. The school must develop annually a rate which reflects its cancellation...

42 CFR 57.213a - Loan cancellation reimbursement.

Code of Federal Regulations, 2014 CFR

2014-10-01

... this subpart for practice in a shortage area, death, or disability: (1) Each school will be paid an... against the loss of the institutional share of a loan canceled due to the borrower's death or permanent and total disability. The school must develop annually a rate which reflects its cancellation...

People and Planned Change/Manipulation versus Modification.

ERIC Educational Resources Information Center

West, Bob; Dormant, Diane

1979-01-01

Presents excerpts from a workshop (on change agentry) participant's letter in which he disagrees with equating "covert,""overt," and "infiltrate" with the unethical manipulation of people. He defines covert and overt methods of influencing decision makers and identifies methods that could be borrowed from other areas to broaden options. (Author/JD)

The New Intelligence, Surveillance, and Reconnaissance Cockpit: Examining the Contributions of Emerging Unmanned Aircraft Systems

DTIC Science & Technology

2010-04-25

other method involves the development of software-based pheromones ; borrowing from the genetic behaviors employed by ants and termites . 170 UAVs and...UCAVs employing this theoretical technique can essentially mark coverage areas and targets with “digital pheromones .” 171 Both concepts are

7 CFR 1744.202 - Borrowers may make qualified investments without prior approval of the Administrator.

Code of Federal Regulations, 2012 CFR

2012-01-01

... training and employment services, health care services, educational opportunities, energy utilization and... local government management capabilities, institutions, and programs related to rural development and... resources of rural areas. (e) As used in paragraph (d) of this section, the term rural development...

7 CFR 1744.202 - Borrowers may make qualified investments without prior approval of the Administrator.

Code of Federal Regulations, 2011 CFR

2011-01-01

... training and employment services, health care services, educational opportunities, energy utilization and... local government management capabilities, institutions, and programs related to rural development and... resources of rural areas. (e) As used in paragraph (d) of this section, the term rural development...

7 CFR 1744.202 - Borrowers may make qualified investments without prior approval of the Administrator.

Code of Federal Regulations, 2010 CFR

2010-01-01

... training and employment services, health care services, educational opportunities, energy utilization and... local government management capabilities, institutions, and programs related to rural development and... resources of rural areas. (e) As used in paragraph (d) of this section, the term rural development...

7 CFR 1744.202 - Borrowers may make qualified investments without prior approval of the Administrator.

Code of Federal Regulations, 2013 CFR

2013-01-01

... training and employment services, health care services, educational opportunities, energy utilization and... local government management capabilities, institutions, and programs related to rural development and... resources of rural areas. (e) As used in paragraph (d) of this section, the term rural development...

7 CFR 1744.202 - Borrowers may make qualified investments without prior approval of the Administrator.

Code of Federal Regulations, 2014 CFR

2014-01-01

... training and employment services, health care services, educational opportunities, energy utilization and... local government management capabilities, institutions, and programs related to rural development and... resources of rural areas. (e) As used in paragraph (d) of this section, the term rural development...

32 CFR 644.3 - Navigation Projects.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 32 National Defense 4 2010-07-01 2010-07-01 true Navigation Projects. 644.3 Section 644.3 National... HANDBOOK Project Planning Civil Works § 644.3 Navigation Projects. (a) Land to be acquired in fee. All... construction and borrow areas. (3) In navigation-only projects, the right to permanently flood should be...

7 CFR 1822.263 - Definitions.

Code of Federal Regulations, 2011 CFR

2011-01-01

... agency of a State or local government. (c) Rural area is open country or rural places as defined in 7 CFR part 3550, subpart A. (d) Development cost means the cost of purchasing and developing the sites..., necessary equipment and estimated interest which the borrower cannot pay from other sources. (e) RHS section...

32 CFR 644.3 - Navigation projects.

Code of Federal Regulations, 2013 CFR

2013-07-01

... 32 National Defense 4 2013-07-01 2013-07-01 false Navigation projects. 644.3 Section 644.3... ESTATE HANDBOOK Project Planning Civil Works § 644.3 Navigation projects. (a) Land to be acquired in fee..., and temporary construction and borrow areas. (3) In navigation-only projects, the right to permanently...

32 CFR 644.3 - Navigation projects.

Code of Federal Regulations, 2014 CFR

2014-07-01

... 32 National Defense 4 2014-07-01 2013-07-01 true Navigation projects. 644.3 Section 644.3 National... HANDBOOK Project Planning Civil Works § 644.3 Navigation projects. (a) Land to be acquired in fee. All... construction and borrow areas. (3) In navigation-only projects, the right to permanently flood should be...

32 CFR 644.3 - Navigation projects.

Code of Federal Regulations, 2012 CFR

2012-07-01

... 32 National Defense 4 2012-07-01 2011-07-01 true Navigation projects. 644.3 Section 644.3 National... HANDBOOK Project Planning Civil Works § 644.3 Navigation projects. (a) Land to be acquired in fee. All... construction and borrow areas. (3) In navigation-only projects, the right to permanently flood should be...

34 CFR 682.603 - Certification by a participating school in connection with a loan application.

Code of Federal Regulations, 2010 CFR

2010-07-01

... of a parent borrower, the student for whom the loan is intended, is complete and accurate. Except as provided in 34 CFR part 668, subpart E, a school may rely in good faith upon statements made by the borrower and, in the case of a parent borrower of a PLUS loan, the student and the parent borrower. (b) The...

Boon or bane: 401(k) loans and employee contributions.

PubMed

Wenger, Jeffrey B; Weller, Christian E

2014-09-01

Economic and behavioral theories arrive at different conclusions about the effect of being allowed to borrow from one's defined-contribution (DC) retirement plan on people's contributions to DC plans. Traditional life-cycle models unambiguously suggest that the borrowing option makes people better off than not being able to borrow. Households consequently contribute more to their DC plans than they would absent the borrowing option. Previous research finds that the ability to borrow from a DC plan increases contemporaneous contributions, consistent with traditional models. Behavioral finance, in contrast, suggests that some workers may operate with nonlinear time discounting. They plan on saving more in the future but change their mind and save less than initially planned as time passes. These workers may enjoy higher lifetime utility if they have no loan option because DC plans serve as commitment devices for retirement saving. The money cannot be used prior to retirement. Absent this commitment device, contributions may be lower for some households than would be the case without a DC loan option. We study DC plan contributions for households with heterogeneous preferences about discounting. We separate households into those that demonstrate inconsistent (or paradoxical) borrowing behavior, which may reflect nonlinear time discounting, and those with more consistent borrowing behavior. We find that a DC loan option raises current savings, but does so more for households with consistent borrowing behavior than for those with inconsistent borrowing behavior. © The Author(s) 2013.

Economic Insights into Providing Access to Improved Groundwater Sources in Remote, Low-Resource Areas

NASA Astrophysics Data System (ADS)

Abramson, A.; Lazarovitch, N.; Adar, E.

2013-12-01

Groundwater is often the most or only feasible drinking water source in remote, low-resource areas. Yet the economics of its development have not been systematically outlined. We applied CBARWI (Cost-Benefit Analysis for Remote Water Improvements), a recently developed Decision Support System, to investigate the economic, physical and management factors related to the costs and benefits of non-networked groundwater supply in remote areas. Synthetic profiles of community water services (n = 17,962), defined across 14 parameters' values and ranges relevant to remote areas, were imputed into the decision framework, and the parameter effects on economic outcomes were investigated through regression analysis (Table 1). Several approaches were included for financing the improvements, after Abramson et al, 2011: willingness-to -pay (WTP), -borrow (WTB) and -work (WTW) in community irrigation (';water-for-work'). We found that low-cost groundwater development approaches are almost 7 times more cost-effective than conventional boreholes fitted with handpumps. The costs of electric, submersible borehole pumps are comparable only when providing expanded water supplies, and off-grid communities pay significantly more for such expansions. In our model, new source construction is less cost-effective than improvement of existing wells, but necessary for expanding access to isolated households. The financing approach significantly impacts the feasibility of demand-driven cost recovery; in our investigation, benefit exceeds cost in 16, 32 and 48% of water service configurations financed by WTP, WTB and WTW, respectively. Regressions of total cost (R2 = 0.723) and net benefit under WTW (R2 = 0.829) along with analysis of output distributions indicate that parameters determining the profitability of irrigation are different from those determining costs and other measures of net benefit. These findings suggest that the cost-benefit outcomes associated with groundwater-based water supply improvements vary considerably by many parameters. Thus, a wide variety of factors should be included to inform water development strategies. Abramson, A. et al (2011), Willingness to pay, borrow and work for water service improvements in developing countries, Water Resour Res, 47Table 1: Descriptions, investigated values and regression coefficients of parameters included in our analysis. Rank of standardized β indicates relative importance. Regression dependent variables are in [($ household-1) y-1]. * Parameters relevant to water-for-work program only.† p <.0001‡ p <.05

Development of Markup Language for Medical Record Charting: A Charting Language.

PubMed

Jung, Won-Mo; Chae, Younbyoung; Jang, Bo-Hyoung

2015-01-01

Nowadays a lot of trials for collecting electronic medical records (EMRs) exist. However, structuring data format for EMR is an especially labour-intensive task for practitioners. Here we propose a new mark-up language for medical record charting (called Charting Language), which borrows useful properties from programming languages. Thus, with Charting Language, the text data described in dynamic situation can be easily used to extract information.

High Resolution X-Band SAR Constallation for Risk Management

DTIC Science & Technology

2000-10-01

polarisation has been specified to two unique, alternative SAR-satellite designs which as no specific requirement exists for dual- polarisation combine...dispersion while Fig. 4a). beam -scanning; 5 azimuth power splitters which feed the sub- 2. An architecture borrowed from modem panels...resolution SAR constellation therefore forms an essential Polarisation HH (or VV) component of such an observation system which shall Mean/max revisit < 12/24

25 CFR 103.27 - Can the borrower get help preparing its loan application or putting its loan funds to use?

Code of Federal Regulations, 2011 CFR

2011-04-01

... 25 Indians 1 2011-04-01 2011-04-01 false Can the borrower get help preparing its loan application or putting its loan funds to use? 103.27 Section 103.27 Indians BUREAU OF INDIAN AFFAIRS, DEPARTMENT... Relating to Borrowers § 103.27 Can the borrower get help preparing its loan application or putting its loan...

12 CFR 617.7410 - When and how does a qualified lender notify a borrower of the right to seek loan restructuring?

Code of Federal Regulations, 2010 CFR

2010-01-01

... borrower of the right to seek loan restructuring? 617.7410 Section 617.7410 Banks and Banking FARM CREDIT... Mediation Programs § 617.7410 When and how does a qualified lender notify a borrower of the right to seek... been identified as distressed and that the borrower has the right to request a restructuring of the...

7 CFR 1788.47 - Policy requirements.

Code of Federal Regulations, 2011 CFR

2011-01-01

... AGRICULTURE (CONTINUED) RUS FIDELITY AND INSURANCE REQUIREMENTS FOR ELECTRIC AND TELECOMMUNICATIONS BORROWERS Insurance for Contractors, Engineers, and Architects, Telecommunications Borrowers § 1788.47 Policy requirements. (a) Contractors, engineers, and architects performing work for borrowers under construction...

7 CFR 1788.47 - Policy requirements.

Code of Federal Regulations, 2012 CFR

2012-01-01

... AGRICULTURE (CONTINUED) RUS FIDELITY AND INSURANCE REQUIREMENTS FOR ELECTRIC AND TELECOMMUNICATIONS BORROWERS Insurance for Contractors, Engineers, and Architects, Telecommunications Borrowers § 1788.47 Policy requirements. (a) Contractors, engineers, and architects performing work for borrowers under construction...

7 CFR 1788.47 - Policy requirements.

Code of Federal Regulations, 2014 CFR

2014-01-01

... AGRICULTURE (CONTINUED) RUS FIDELITY AND INSURANCE REQUIREMENTS FOR ELECTRIC AND TELECOMMUNICATIONS BORROWERS Insurance for Contractors, Engineers, and Architects, Telecommunications Borrowers § 1788.47 Policy requirements. (a) Contractors, engineers, and architects performing work for borrowers under construction...

7 CFR 1788.47 - Policy requirements.

Code of Federal Regulations, 2010 CFR

2010-01-01

... AGRICULTURE (CONTINUED) RUS FIDELITY AND INSURANCE REQUIREMENTS FOR ELECTRIC AND TELECOMMUNICATIONS BORROWERS Insurance for Contractors, Engineers, and Architects, Telecommunications Borrowers § 1788.47 Policy requirements. (a) Contractors, engineers, and architects performing work for borrowers under construction...

7 CFR 1788.47 - Policy requirements.

Code of Federal Regulations, 2013 CFR

2013-01-01

... AGRICULTURE (CONTINUED) RUS FIDELITY AND INSURANCE REQUIREMENTS FOR ELECTRIC AND TELECOMMUNICATIONS BORROWERS Insurance for Contractors, Engineers, and Architects, Telecommunications Borrowers § 1788.47 Policy requirements. (a) Contractors, engineers, and architects performing work for borrowers under construction...

34 CFR 682.800 - Prohibition against discrimination as a condition for receiving special allowance payments.

Code of Federal Regulations, 2013 CFR

2013-07-01

... programs because of the borrower's race, sex, color, religion, national origin, age, disability status... borrower's education program, or the borrower's academic year in school. (b) The Secretary considers an...

34 CFR 682.800 - Prohibition against discrimination as a condition for receiving special allowance payments.

Code of Federal Regulations, 2012 CFR

2012-07-01

... programs because of the borrower's race, sex, color, religion, national origin, age, disability status... borrower's education program, or the borrower's academic year in school. (b) The Secretary considers an...

34 CFR 682.800 - Prohibition against discrimination as a condition for receiving special allowance payments.

Code of Federal Regulations, 2011 CFR

2011-07-01

... programs because of the borrower's race, sex, color, religion, national origin, age, disability status... borrower's education program, or the borrower's academic year in school. (b) The Secretary considers an...

7 CFR 1951.266 - Special requirements for MFH borrowers.

Code of Federal Regulations, 2012 CFR

2012-01-01

... Needs and Graduation of Borrowers § 1951.266 Special requirements for MFH borrowers. All requirements of 7 CFR part 3560, subpart K must be met prior to graduation and acceptance of the full payment from...

7 CFR 1951.266 - Special requirements for MFH borrowers.

Code of Federal Regulations, 2013 CFR

2013-01-01

... Needs and Graduation of Borrowers § 1951.266 Special requirements for MFH borrowers. All requirements of 7 CFR part 3560, subpart K must be met prior to graduation and acceptance of the full payment from...

7 CFR 1951.266 - Special requirements for MFH borrowers.

Code of Federal Regulations, 2011 CFR

2011-01-01

... Needs and Graduation of Borrowers § 1951.266 Special requirements for MFH borrowers. All requirements of 7 CFR part 3560, subpart K must be met prior to graduation and acceptance of the full payment from...

7 CFR 1951.266 - Special requirements for MFH borrowers.

Code of Federal Regulations, 2010 CFR

2010-01-01

... Needs and Graduation of Borrowers § 1951.266 Special requirements for MFH borrowers. All requirements of 7 CFR part 3560, subpart K must be met prior to graduation and acceptance of the full payment from...

7 CFR 1951.266 - Special requirements for MFH borrowers.

Code of Federal Regulations, 2014 CFR

2014-01-01

... Needs and Graduation of Borrowers § 1951.266 Special requirements for MFH borrowers. All requirements of 7 CFR part 3560, subpart K must be met prior to graduation and acceptance of the full payment from...

7 CFR 1788.12 - Contractors' bonds.

Code of Federal Regulations, 2011 CFR

2011-01-01

... AGRICULTURE (CONTINUED) RUS FIDELITY AND INSURANCE REQUIREMENTS FOR ELECTRIC AND TELECOMMUNICATIONS BORROWERS Insurance for Contractors, Engineers, and Architects, Electric Borrowers § 1788.12 Contractors' bonds. Electric borrowers shall require contractors to obtain contractors' bonds when required by part 1726...

7 CFR 1788.12 - Contractors' bonds.

Code of Federal Regulations, 2014 CFR

2014-01-01

... AGRICULTURE (CONTINUED) RUS FIDELITY AND INSURANCE REQUIREMENTS FOR ELECTRIC AND TELECOMMUNICATIONS BORROWERS Insurance for Contractors, Engineers, and Architects, Electric Borrowers § 1788.12 Contractors' bonds. Electric borrowers shall require contractors to obtain contractors' bonds when required by part 1726...

7 CFR 1788.12 - Contractors' bonds.

Code of Federal Regulations, 2012 CFR

2012-01-01

... AGRICULTURE (CONTINUED) RUS FIDELITY AND INSURANCE REQUIREMENTS FOR ELECTRIC AND TELECOMMUNICATIONS BORROWERS Insurance for Contractors, Engineers, and Architects, Electric Borrowers § 1788.12 Contractors' bonds. Electric borrowers shall require contractors to obtain contractors' bonds when required by part 1726...

7 CFR 1788.12 - Contractors' bonds.

Code of Federal Regulations, 2013 CFR

2013-01-01

... AGRICULTURE (CONTINUED) RUS FIDELITY AND INSURANCE REQUIREMENTS FOR ELECTRIC AND TELECOMMUNICATIONS BORROWERS Insurance for Contractors, Engineers, and Architects, Electric Borrowers § 1788.12 Contractors' bonds. Electric borrowers shall require contractors to obtain contractors' bonds when required by part 1726...

Effects of borrow site preparation and fertilization on natural revegetation

DOT National Transportation Integrated Search

1987-01-01

This study report describes the effects of experimental fertilization and surface conditioning of a gravel borrow site which lacked a topsoil covering. In summary, borrow site revegetation by fireweed may be greatly enhanced by scarifying and fertili...

42 CFR 60.10 - How much can be borrowed?

Code of Federal Regulations, 2013 CFR

2013-10-01

... psychology, or allied health may borrow up to $50,000 under this part. The amount received may not exceed $12... administration, or clinical psychology may borrow up to $50,000 under this part including loans obtained while...

42 CFR 60.10 - How much can be borrowed?

Code of Federal Regulations, 2012 CFR

2012-10-01

... psychology, or allied health may borrow up to $50,000 under this part. The amount received may not exceed $12... administration, or clinical psychology may borrow up to $50,000 under this part including loans obtained while...

42 CFR 60.10 - How much can be borrowed?

Code of Federal Regulations, 2011 CFR

2011-10-01

... psychology, or allied health may borrow up to $50,000 under this part. The amount received may not exceed $12... administration, or clinical psychology may borrow up to $50,000 under this part including loans obtained while...

42 CFR 60.10 - How much can be borrowed?

Code of Federal Regulations, 2014 CFR

2014-10-01

... psychology, or allied health may borrow up to $50,000 under this part. The amount received may not exceed $12... administration, or clinical psychology may borrow up to $50,000 under this part including loans obtained while...

42 CFR 60.10 - How much can be borrowed?

Code of Federal Regulations, 2010 CFR

2010-10-01

... psychology, or allied health may borrow up to $50,000 under this part. The amount received may not exceed $12... administration, or clinical psychology may borrow up to $50,000 under this part including loans obtained while...

7 CFR 1788.55 - Providing RUS evidence.

Code of Federal Regulations, 2011 CFR

2011-01-01

... AGRICULTURE (CONTINUED) RUS FIDELITY AND INSURANCE REQUIREMENTS FOR ELECTRIC AND TELECOMMUNICATIONS BORROWERS Insurance for Contractors, Engineers, and Architects, Telecommunications Borrowers § 1788.55 Providing RUS evidence. When RUS shall specifically so direct, the borrower shall also require the engineer, the...

7 CFR 1788.55 - Providing RUS evidence.

Code of Federal Regulations, 2014 CFR

2014-01-01

... AGRICULTURE (CONTINUED) RUS FIDELITY AND INSURANCE REQUIREMENTS FOR ELECTRIC AND TELECOMMUNICATIONS BORROWERS Insurance for Contractors, Engineers, and Architects, Telecommunications Borrowers § 1788.55 Providing RUS evidence. When RUS shall specifically so direct, the borrower shall also require the engineer, the...

7 CFR 1788.55 - Providing RUS evidence.

Code of Federal Regulations, 2012 CFR

2012-01-01

... AGRICULTURE (CONTINUED) RUS FIDELITY AND INSURANCE REQUIREMENTS FOR ELECTRIC AND TELECOMMUNICATIONS BORROWERS Insurance for Contractors, Engineers, and Architects, Telecommunications Borrowers § 1788.55 Providing RUS evidence. When RUS shall specifically so direct, the borrower shall also require the engineer, the...

7 CFR 1788.55 - Providing RUS evidence.

Code of Federal Regulations, 2010 CFR

2010-01-01

... AGRICULTURE (CONTINUED) RUS FIDELITY AND INSURANCE REQUIREMENTS FOR ELECTRIC AND TELECOMMUNICATIONS BORROWERS Insurance for Contractors, Engineers, and Architects, Telecommunications Borrowers § 1788.55 Providing RUS evidence. When RUS shall specifically so direct, the borrower shall also require the engineer, the...

7 CFR 1788.55 - Providing RUS evidence.

Code of Federal Regulations, 2013 CFR

2013-01-01

... AGRICULTURE (CONTINUED) RUS FIDELITY AND INSURANCE REQUIREMENTS FOR ELECTRIC AND TELECOMMUNICATIONS BORROWERS Insurance for Contractors, Engineers, and Architects, Telecommunications Borrowers § 1788.55 Providing RUS evidence. When RUS shall specifically so direct, the borrower shall also require the engineer, the...

7 CFR 1770.26 - General.

Code of Federal Regulations, 2011 CFR

2011-01-01

... (CONTINUED) ACCOUNTING REQUIREMENTS FOR RUS TELECOMMUNICATIONS BORROWERS Accounting Interpretations § 1770.26 General. (a) The standard provisions of the security instruments utilized by the Rural Utilities Service (RUS) and the Rural Telephone Bank (RTB) for all telecommunications borrowers require borrowers to at...

Etymology: A Computerized Model.

ERIC Educational Resources Information Center

Burton-Hunter, Sarah K.

Under the assumption that, with the exception of certain learned, retarded, and borrowed words, the bulk of any language undergoes sound changes that are regular over any given geographical area, over any given time span, and in any given sound environment, these sound changes have been reduced to logical terms and have been programmed to generate…

Cultural Resources Survey of EABPL Off-Site Borrow Areas, Levee Items E- 64, E-76, and E-84A, Iberville, Iberia, and Assumption Parishes, Louisiana

DTIC Science & Technology

1994-07-01

Virginia willow (Itea virginica), alligatorweed (Alternanthera philoxeroides), water hyssop ( Bacopa monnien), Frogbit (Limnobium spongia), swamp lily...uwdus spp.), and dodder (Cuscuta geonovi) (Gibson 1978:106). Additional fresh water marsh species include Carolina bacopa ( Bacopa caroliniana

PC Games and the Teaching of History

ERIC Educational Resources Information Center

McMichael, Andrew

2007-01-01

Although the use of PC games in the history classroom might be relatively new, the ideas for these assignments and the theory behind their use borrows heavily from a number of areas and combines different pedagogical techniques. Using computer games allows teachers to recombine disparate teaching threads into something novel that will serve…

7 CFR 1717.656 - Exemption of certain borrowers from controls.

Code of Federal Regulations, 2011 CFR

2011-01-01

... available, the borrower achieved an operating TIER of at least 1.0 and an operating DSC of at least 1.0, in... subject to the record-keeping, reporting, and other requirements of § 1717.658. (c) Any borrower exempt...

7 CFR 1710.208 - RUS criteria for approval of all load forecasts by power supply borrowers and by distribution...

Code of Federal Regulations, 2010 CFR

2010-01-01

... borrower developed an adequate supporting database and analyzed a reasonable range of relevant assumptions and alternative futures; (d) The borrower adopted methods and procedures in general use by the...

7 CFR 1730.26 - Certification.

Code of Federal Regulations, 2010 CFR

2010-01-01

... ELECTRIC SYSTEM OPERATIONS AND MAINTENANCE Operations and Maintenance Requirements § 1730.26 Certification. (a) Engineer's certification. Where provided for in the borrower's loan documents, RUS may require the borrower to provide an “Engineer's Certification” as to the condition of the borrower's system...

7 CFR 1730.26 - Certification.

Code of Federal Regulations, 2011 CFR

2011-01-01

... ELECTRIC SYSTEM OPERATIONS AND MAINTENANCE Operations and Maintenance Requirements § 1730.26 Certification. (a) Engineer's certification. Where provided for in the borrower's loan documents, RUS may require the borrower to provide an “Engineer's Certification” as to the condition of the borrower's system...

7 CFR 1730.26 - Certification.

Code of Federal Regulations, 2012 CFR

2012-01-01

... ELECTRIC SYSTEM OPERATIONS AND MAINTENANCE Operations and Maintenance Requirements § 1730.26 Certification. (a) Engineer's certification. Where provided for in the borrower's loan documents, RUS may require the borrower to provide an “Engineer's Certification” as to the condition of the borrower's system...

7 CFR 1730.26 - Certification.

Code of Federal Regulations, 2014 CFR

2014-01-01

... ELECTRIC SYSTEM OPERATIONS AND MAINTENANCE Operations and Maintenance Requirements § 1730.26 Certification. (a) Engineer's certification. Where provided for in the borrower's loan documents, RUS may require the borrower to provide an “Engineer's Certification” as to the condition of the borrower's system...

7 CFR 1730.26 - Certification.

Code of Federal Regulations, 2013 CFR

2013-01-01

... ELECTRIC SYSTEM OPERATIONS AND MAINTENANCE Operations and Maintenance Requirements § 1730.26 Certification. (a) Engineer's certification. Where provided for in the borrower's loan documents, RUS may require the borrower to provide an “Engineer's Certification” as to the condition of the borrower's system...

7 CFR 1730.61 - RUS policy.

Code of Federal Regulations, 2011 CFR

2011-01-01

..., or reliability on the borrower's electric power system or other electric power systems interconnected to the borrower's electric power system. The Agency encourages borrowers to consider model policy... ELECTRIC SYSTEM OPERATIONS AND MAINTENANCE Interconnection of Distributed Resources § 1730.61 RUS policy...

7 CFR 1730.61 - RUS policy.

Code of Federal Regulations, 2010 CFR

2010-01-01

..., or reliability on the borrower's electric power system or other electric power systems interconnected to the borrower's electric power system. The Agency encourages borrowers to consider model policy... ELECTRIC SYSTEM OPERATIONS AND MAINTENANCE Interconnection of Distributed Resources § 1730.61 RUS policy...

7 CFR 1724.30 - Borrowers' requirements-engineering services.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 11 2010-01-01 2010-01-01 false Borrowers' requirements-engineering services. 1724.30... SERVICE, DEPARTMENT OF AGRICULTURE ELECTRIC ENGINEERING, ARCHITECTURAL SERVICES AND DESIGN POLICIES AND PROCEDURES Engineering Services § 1724.30 Borrowers' requirements—engineering services. The provisions of...

7 CFR 1724.30 - Borrowers' requirements-engineering services.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 7 Agriculture 11 2011-01-01 2011-01-01 false Borrowers' requirements-engineering services. 1724.30... SERVICE, DEPARTMENT OF AGRICULTURE ELECTRIC ENGINEERING, ARCHITECTURAL SERVICES AND DESIGN POLICIES AND PROCEDURES Engineering Services § 1724.30 Borrowers' requirements—engineering services. The provisions of...

7 CFR 1724.30 - Borrowers' requirements-engineering services.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 7 Agriculture 11 2012-01-01 2012-01-01 false Borrowers' requirements-engineering services. 1724.30... SERVICE, DEPARTMENT OF AGRICULTURE ELECTRIC ENGINEERING, ARCHITECTURAL SERVICES AND DESIGN POLICIES AND PROCEDURES Engineering Services § 1724.30 Borrowers' requirements—engineering services. The provisions of...

7 CFR 1724.30 - Borrowers' requirements-engineering services.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 7 Agriculture 11 2013-01-01 2013-01-01 false Borrowers' requirements-engineering services. 1724.30... SERVICE, DEPARTMENT OF AGRICULTURE ELECTRIC ENGINEERING, ARCHITECTURAL SERVICES AND DESIGN POLICIES AND PROCEDURES Engineering Services § 1724.30 Borrowers' requirements—engineering services. The provisions of...

12 CFR 614.4359 - Attribution rules.

Code of Federal Regulations, 2010 CFR

2010-01-01

... controlling influence over management of a related borrower's operations through the provisions of management... borrower, or (3) Exercises a controlling influence over management of a related borrower's operations through the provisions of management placement or marketing agreements, or providing services such as...

Re-Shuffling of Species with Climate Disruption: A No-Analog Future for California Birds?

PubMed Central

Stralberg, Diana; Jongsomjit, Dennis; Howell, Christine A.; Snyder, Mark A.; Alexander, John D.; Wiens, John A.; Root, Terry L.

2009-01-01

By facilitating independent shifts in species' distributions, climate disruption may result in the rapid development of novel species assemblages that challenge the capacity of species to co-exist and adapt. We used a multivariate approach borrowed from paleoecology to quantify the potential change in California terrestrial breeding bird communities based on current and future species-distribution models for 60 focal species. Projections of future no-analog communities based on two climate models and two species-distribution-model algorithms indicate that by 2070 over half of California could be occupied by novel assemblages of bird species, implying the potential for dramatic community reshuffling and altered patterns of species interactions. The expected percentage of no-analog bird communities was dependent on the community scale examined, but consistent geographic patterns indicated several locations that are particularly likely to host novel bird communities in the future. These no-analog areas did not always coincide with areas of greatest projected species turnover. Efforts to conserve and manage biodiversity could be substantially improved by considering not just future changes in the distribution of individual species, but including the potential for unprecedented changes in community composition and unanticipated consequences of novel species assemblages. PMID:19724641

Fishery resource utilization of a restored estuarine borrow pit: a beneficial use of dredged material case study.

PubMed

Reine, Kevin; Clarke, Douglas; Ray, Gary; Dickerson, Charles

2013-08-15

Numerous pits in coastal waters are subject to degraded water quality and benthic habitat conditions, resulting in degraded fish habitat. A pit in Barnegat Bay, New Jersey (USA) was partially filled with dredged sediment to increase flushing, alleviate hypoxia, and enhance benthic assemblages. Restoration objectives were assessed in terms of benthic community parameters and fishery resource occupation. Restoration resulted in increased benthic diversity (bottom samples) and the absence of water column stratification. Fisheries resources occupied the entire water column, unlike pre-restoration conditions where finfish tended to avoid the lower water column. The partial restoration option effectively reproduced an existing borrow pit configuration (Hole #5, control), by decreasing total depth from -11 m to -5.5 m, thereby creating a habitat less susceptible to hypoxic/anoxic conditions, while retaining sufficient vertical relief to maintain associations with juvenile weakfish and other forage fishes. Partially filling pits using dredged material represents a viable restoration alternative. Published by Elsevier Ltd.

Death, Taxes and Advance Directives

PubMed Central

D’Amore, J.D.; Jones, S.L.; Sittig, D.F.; Ness, R.B.

2014-01-01

Summary Suboptimal care at the end-of-life can be due to lack of access or knowledge of patient wishes. Ambiguity is often the result of non-standardized formats. Borrowing digital technology from other industries and using existing health information infrastructure can greatly improve the completion, storage, and distribution of advance directives. We believe several simple, low-cost adaptations to regional and federal programs can raise the standard of end-of-life care. PMID:25024771

An ecological study of the KSC Turning Basin and adjacent waters

NASA Technical Reports Server (NTRS)

Nevin, T. A.; Lasater, J. A.; Clark, K. B.; Kalajian, E. H.

1974-01-01

The conditions existing in the waters and bottoms of the Turning Basin, the borrow pit near Pad 39A, and the Barge Canal connecting them were investigated to determine the ecological significance of the chemical, biological, and microbiological parameters. The water quality, biological, microbiological findings are discussed. It is recommended that future dredging activities be limited in depth, and that fill materials should not be removed down to the clay strata.

7 CFR 1717.652 - Definitions.

Code of Federal Regulations, 2010 CFR

2010-01-01

.... Distribution borrower means a Distribution Borrower as defined in 7 CFR 1710.2. Electric system means all of the borrower's interests in all electric production, transmission, distribution, conservation, load management, general plant and other related facilities, equipment or property and in any mine, well, pipeline...

7 CFR 1724.30 - Borrowers' requirements-engineering services.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 7 Agriculture 11 2014-01-01 2014-01-01 false Borrowers' requirements-engineering services. 1724.30... SERVICE, DEPARTMENT OF AGRICULTURE ELECTRIC ENGINEERING, ARCHITECTURAL SERVICES AND DESIGN POLICIES AND PROCEDURES Engineering Services § 1724.30 Borrowers' requirements—engineering services. Link to an amendment...

7 CFR 1767.11 - Purpose.

Code of Federal Regulations, 2010 CFR

2010-01-01

..., business and affairs of the borrower in accordance with the methods and principles of accounting of this... (CONTINUED) ACCOUNTING REQUIREMENTS FOR RUS ELECTRIC BORROWERS Uniform System of Accounts § 1767.11 Purpose...A for electric borrowers and by providing accounting methodologies and procedures which are...

7 CFR 1770.27 - Definitions.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 12 2010-01-01 2010-01-01 false Definitions. 1770.27 Section 1770.27 Agriculture... (CONTINUED) ACCOUNTING REQUIREMENTS FOR RUS TELECOMMUNICATIONS BORROWERS Accounting Interpretations § 1770.27 Definitions. As used in this part: Borrower is an RUS telecommunications borrower. Cushion of Credit Account...

14 CFR 1300.11 - Eligible borrower.

Code of Federal Regulations, 2010 CFR

2010-01-01

... Aeronautics and Space AIR TRANSPORTATION SYSTEM STABILIZATION OFFICE OF MANAGEMENT AND BUDGET AVIATION DISASTER RELIEF-AIR CARRIER GUARANTEE LOAN PROGRAM Minimum Requirements and Application Procedures § 1300.11 Eligible borrower. (a) An eligible borrower must be an air carrier that can demonstrate, to the...

7 CFR 1726.301 - Borrower contractual obligations.

Code of Federal Regulations, 2010 CFR

2010-01-01

..., DEPARTMENT OF AGRICULTURE ELECTRIC SYSTEM CONSTRUCTION POLICIES AND PROCEDURES RUS Standard Forms § 1726.301... which the borrower agrees to use RUS standard forms of contracts for construction, procurement... agreements as implemented by this part, borrowers must use those forms of contract (hereinafter sometimes...

7 CFR 1755.27 - Borrower contractual obligations.

Code of Federal Regulations, 2010 CFR

2010-01-01

..., DEPARTMENT OF AGRICULTURE TELECOMMUNICATIONS POLICIES ON SPECIFICATIONS, ACCEPTABLE MATERIALS, AND STANDARD CONTRACT FORMS § 1755.27 Borrower contractual obligations. (a) Loan agreement. As a condition of a loan or... pursuant to which the borrowers agree to use RUS standard contract forms for construction, procurement...

7 CFR 1703.312 - RUS review requirements.

Code of Federal Regulations, 2013 CFR

2013-01-01

... supporting material is available at the borrower's premises for review by the RUS field accountant, borrower's certified public accountant, the Office of Inspector General, the General Accounting Office and any other accountant conducting an audit of the borrower's financial statements for this rural...

7 CFR 1703.312 - RUS review requirements.

Code of Federal Regulations, 2014 CFR

2014-01-01

... supporting material is available at the borrower's premises for review by the RUS field accountant, borrower's certified public accountant, the Office of Inspector General, the General Accounting Office and any other accountant conducting an audit of the borrower's financial statements for this rural...

7 CFR 1703.312 - RUS review requirements.

Code of Federal Regulations, 2010 CFR

2010-01-01

... supporting material is available at the borrower's premises for review by the RUS field accountant, borrower's certified public accountant, the Office of Inspector General, the General Accounting Office and any other accountant conducting an audit of the borrower's financial statements for this rural...

7 CFR 1703.312 - RUS review requirements.

Code of Federal Regulations, 2011 CFR

2011-01-01

... supporting material is available at the borrower's premises for review by the RUS field accountant, borrower's certified public accountant, the Office of Inspector General, the General Accounting Office and any other accountant conducting an audit of the borrower's financial statements for this rural...

7 CFR 1703.312 - RUS review requirements.

Code of Federal Regulations, 2012 CFR

2012-01-01

... supporting material is available at the borrower's premises for review by the RUS field accountant, borrower's certified public accountant, the Office of Inspector General, the General Accounting Office and any other accountant conducting an audit of the borrower's financial statements for this rural...

7 CFR 1737.2 - Definitions.

Code of Federal Regulations, 2010 CFR

2010-01-01

.... Feasibility study means the pro forma financial analysis performed by RUS to determine the economic... RUS to the borrower's construction fund. Borrower means any organization which has an outstanding loan... percent per year. Initial loan means the first loan made to a borrower. Interim construction means the...

7 CFR 1737.2 - Definitions.

Code of Federal Regulations, 2014 CFR

2014-01-01

.... Feasibility study means the pro forma financial analysis performed by RUS to determine the economic... RUS to the borrower's construction fund. Borrower means any organization which has an outstanding loan... percent per year. Initial loan means the first loan made to a borrower. Interim construction means the...

7 CFR 1737.2 - Definitions.

Code of Federal Regulations, 2013 CFR

2013-01-01

.... Feasibility study means the pro forma financial analysis performed by RUS to determine the economic... RUS to the borrower's construction fund. Borrower means any organization which has an outstanding loan... percent per year. Initial loan means the first loan made to a borrower. Interim construction means the...

7 CFR 1737.2 - Definitions.

Code of Federal Regulations, 2012 CFR

2012-01-01

.... Feasibility study means the pro forma financial analysis performed by RUS to determine the economic... RUS to the borrower's construction fund. Borrower means any organization which has an outstanding loan... percent per year. Initial loan means the first loan made to a borrower. Interim construction means the...

7 CFR 1737.2 - Definitions.

Code of Federal Regulations, 2011 CFR

2011-01-01

.... Feasibility study means the pro forma financial analysis performed by RUS to determine the economic... RUS to the borrower's construction fund. Borrower means any organization which has an outstanding loan... percent per year. Initial loan means the first loan made to a borrower. Interim construction means the...

7 CFR 1753.7 - Plans and specifications (P&S).

Code of Federal Regulations, 2011 CFR

2011-01-01

... specifications prepared by the borrower's engineer. The specifications prepared by the borrower's engineer and... its contractor complies with the insurance and bond requirements. (4) Telecommunications software license provision. If the borrower is required to enter into a software license agreement in order to use...

7 CFR 1753.7 - Plans and specifications (P&S).

Code of Federal Regulations, 2013 CFR

2013-01-01

... specifications prepared by the borrower's engineer. The specifications prepared by the borrower's engineer and... its contractor complies with the insurance and bond requirements. (4) Telecommunications software license provision. If the borrower is required to enter into a software license agreement in order to use...

7 CFR 1753.7 - Plans and specifications (P&S).

Code of Federal Regulations, 2014 CFR

2014-01-01

... specifications prepared by the borrower's engineer. The specifications prepared by the borrower's engineer and... its contractor complies with the insurance and bond requirements. (4) Telecommunications software license provision. If the borrower is required to enter into a software license agreement in order to use...

7 CFR 1753.7 - Plans and specifications (P&S).

Code of Federal Regulations, 2012 CFR

2012-01-01

... specifications prepared by the borrower's engineer. The specifications prepared by the borrower's engineer and... its contractor complies with the insurance and bond requirements. (4) Telecommunications software license provision. If the borrower is required to enter into a software license agreement in order to use...

7 CFR 1730.24 - RUS review and evaluation.

Code of Federal Regulations, 2014 CFR

2014-01-01

... independent summary of the operations and maintenance practices of the borrower. The borrower's management... and maintenance practices of each borrower for the purpose of assessing loan security and determining..., and records related to the operations and maintenance of its complete system. Reports made by other...

7 CFR 1753.49 - Closeout documents.

Code of Federal Regulations, 2010 CFR

2010-01-01

... Distribution Borrower Contractor 724 Final Inventory—Certificate of Completion 2 1 1 724a Final Inventory... representative of the borrower. (2) Final inventory documents. (i) The borrower shall obtain certifications from... prepare and distribute the final inventory documents in accordance with the tables contained in this...

38 CFR 36.4350 - Servicing procedures for holders.

Code of Federal Regulations, 2010 CFR

2010-07-01

... and counseling delinquent borrowers to advise borrowers how to cure delinquencies, protect their...) Procedural guidelines for individual analysis of each delinquency; (4) Instructions and appropriate controls... efforts made to collect the delinquency and the response from the borrower before a decision is made to...

7 CFR 1718.102 - Definitions.

Code of Federal Regulations, 2010 CFR

2010-01-01

... LOAN SECURITY DOCUMENTS FOR ELECTRIC BORROWERS Loan Contracts With Distribution Borrowers § 1718.102 Definitions. For the purposes of this subpart: Borrower means any organization that has an outstanding loan... defined in 7 CFR 1710.2. Loan documents means the mortgage (or other security instrument acceptable to RUS...

7 CFR 766.105 - Agency consideration of servicing requests.

Code of Federal Regulations, 2010 CFR

2010-01-01

... each eligible borrower who requests servicing: (1) Conservation Contract, if requested; (2) Consolidation and rescheduling or reamortization; (3) Deferral; (4) Writedown; and (5) Current market value... develop a feasible plan; (ii) The borrower will be offered current market value buyout. (2) The borrower's...

7 CFR 1717.658 - Records, reports and audits.

Code of Federal Regulations, 2010 CFR

2010-01-01

... Investments, Loans, and Guarantees by Electric Borrowers § 1717.658 Records, reports and audits. (a) Every borrower shall maintain accurate records concerning all investments, loans and guarantees made by it. Such... all income, expenses and losses generated from the borrower's loans, guarantees and investments; (2...

13 CFR 400.200 - Eligible Borrower.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 400.200 Business Credit and Assistance EMERGENCY STEEL GUARANTEE LOAN BOARD EMERGENCY STEEL GUARANTEE LOAN PROGRAM Steel Guarantee Loans § 400.200 Eligible Borrower. (a) An eligible Borrower must be a Qualified Steel Company that can demonstrate: (1) Credit is not otherwise available to it under reasonable...

13 CFR 400.200 - Eligible Borrower.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 400.200 Business Credit and Assistance EMERGENCY STEEL GUARANTEE LOAN BOARD EMERGENCY STEEL GUARANTEE LOAN PROGRAM Steel Guarantee Loans § 400.200 Eligible Borrower. (a) An eligible Borrower must be a Qualified Steel Company that can demonstrate: (1) Credit is not otherwise available to it under reasonable...

13 CFR 400.200 - Eligible Borrower.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 400.200 Business Credit and Assistance EMERGENCY STEEL GUARANTEE LOAN BOARD EMERGENCY STEEL GUARANTEE LOAN PROGRAM Steel Guarantee Loans § 400.200 Eligible Borrower. (a) An eligible Borrower must be a Qualified Steel Company that can demonstrate: (1) Credit is not otherwise available to it under reasonable...

13 CFR 400.200 - Eligible Borrower.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 400.200 Business Credit and Assistance EMERGENCY STEEL GUARANTEE LOAN BOARD EMERGENCY STEEL GUARANTEE LOAN PROGRAM Steel Guarantee Loans § 400.200 Eligible Borrower. (a) An eligible Borrower must be a Qualified Steel Company that can demonstrate: (1) Credit is not otherwise available to it under reasonable...

13 CFR 400.200 - Eligible Borrower.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 400.200 Business Credit and Assistance EMERGENCY STEEL GUARANTEE LOAN BOARD EMERGENCY STEEL GUARANTEE LOAN PROGRAM Steel Guarantee Loans § 400.200 Eligible Borrower. (a) An eligible Borrower must be a Qualified Steel Company that can demonstrate: (1) Credit is not otherwise available to it under reasonable...

Borrowing of strength and study weights in multivariate and network meta-analysis.

PubMed

Jackson, Dan; White, Ian R; Price, Malcolm; Copas, John; Riley, Richard D

2017-12-01

Multivariate and network meta-analysis have the potential for the estimated mean of one effect to borrow strength from the data on other effects of interest. The extent of this borrowing of strength is usually assessed informally. We present new mathematical definitions of 'borrowing of strength'. Our main proposal is based on a decomposition of the score statistic, which we show can be interpreted as comparing the precision of estimates from the multivariate and univariate models. Our definition of borrowing of strength therefore emulates the usual informal assessment. We also derive a method for calculating study weights, which we embed into the same framework as our borrowing of strength statistics, so that percentage study weights can accompany the results from multivariate and network meta-analyses as they do in conventional univariate meta-analyses. Our proposals are illustrated using three meta-analyses involving correlated effects for multiple outcomes, multiple risk factor associations and multiple treatments (network meta-analysis).

Beyond Abuse and Exposure: Framing the Impact of Prescription-Medication Sharing

PubMed Central

Goldsworthy, Richard C.; Schwartz, Nancy C.; Mayhorn, Christopher B.

2008-01-01

Objectives. We sought to document the frequency, circumstances, and consequences of prescription medication–sharing behaviors and to use a medication-sharing impact framework to organize the resulting data regarding medication-loaning and -borrowing practices. Methods. One-on-one interviews were conducted in 2006, and participants indicated (1) prescription medicine taken in the past year, (2) whether they had previously loaned or borrowed prescription medicine, (3) scenarios in which they would consider loaning or borrowing prescription medicine, and (4) the types of prescription medicines they had loaned or borrowed. Results. Of the 700 participants, 22.9% reported having loaned their medications to someone else and 26.9% reported having borrowed someone else’s prescription. An even greater proportion of participants reported situations in which medication sharing was acceptable to them. Conclusions. Sharing prescription medication places individuals at risk for diverse consequences, and further research regarding medication loaning and borrowing behaviors and their associated consequences is merited. PMID:18445792

Borrowing of strength and study weights in multivariate and network meta-analysis

PubMed Central

Jackson, Dan; White, Ian R; Price, Malcolm; Copas, John; Riley, Richard D

2016-01-01

Multivariate and network meta-analysis have the potential for the estimated mean of one effect to borrow strength from the data on other effects of interest. The extent of this borrowing of strength is usually assessed informally. We present new mathematical definitions of ‘borrowing of strength’. Our main proposal is based on a decomposition of the score statistic, which we show can be interpreted as comparing the precision of estimates from the multivariate and univariate models. Our definition of borrowing of strength therefore emulates the usual informal assessment. We also derive a method for calculating study weights, which we embed into the same framework as our borrowing of strength statistics, so that percentage study weights can accompany the results from multivariate and network meta-analyses as they do in conventional univariate meta-analyses. Our proposals are illustrated using three meta-analyses involving correlated effects for multiple outcomes, multiple risk factor associations and multiple treatments (network meta-analysis). PMID:26546254

34 CFR 685.206 - Borrower responsibilities and defenses.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 34 Education 3 2010-07-01 2010-07-01 false Borrower responsibilities and defenses. 685.206 Section 685.206 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION WILLIAM D. FORD FEDERAL DIRECT LOAN PROGRAM Borrower Provisions...

7 CFR 765.101 - Borrower graduation requirements.

Code of Federal Regulations, 2010 CFR

2010-01-01

... reasonable rates and terms. (b) The Agency may require partial or full graduation. (1) In a partial... 7 Agriculture 7 2010-01-01 2010-01-01 false Borrower graduation requirements. 765.101 Section 765..., DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS DIRECT LOAN SERVICING-REGULAR Borrower Graduation § 765.101...

7 CFR 1779.75 - Defaults by borrower.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 12 2010-01-01 2010-01-01 false Defaults by borrower. 1779.75 Section 1779.75 Agriculture Regulations of the Department of Agriculture (Continued) RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE (CONTINUED) WATER AND WASTE DISPOSAL PROGRAMS GUARANTEED LOANS § 1779.75 Defaults by borrower. (a...

12 CFR 563c.102 - Financial statement presentation.

Code of Federal Regulations, 2013 CFR

2013-01-01

..., (ii) commercial paper, and (iii) other short-term borrowings. (b) Federal funds purchased and sales of... financial statements. The amount of these lines of credit which support a commercial paper borrowing... sold under agreements to repurchase, commercial paper, and other short-term borrowings. 8. Interest on...

12 CFR 563c.102 - Financial statement presentation.

Code of Federal Regulations, 2011 CFR

2011-01-01

..., (ii) commercial paper, and (iii) other short-term borrowings. (b) Federal funds purchased and sales of... financial statements. The amount of these lines of credit which support a commercial paper borrowing... sold under agreements to repurchase, commercial paper, and other short-term borrowings. 8. Interest on...

38 CFR 36.4278 - Servicing procedures for holders.

Code of Federal Regulations, 2010 CFR

2010-07-01

... counseling delinquent borrowers to advise borrowers how to cure delinquencies, protect their equity and... guidelines for individual analysis of each delinquency; (4) Instructions and appropriate controls for sending... delinquency and the response from the borrower before a decision is made to initiate action to liquidate a...

24 CFR 1007.10 - Eligible borrowers.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 24 Housing and Urban Development 4 2010-04-01 2010-04-01 false Eligible borrowers. 1007.10 Section 1007.10 Housing and Urban Development Regulations Relating to Housing and Urban Development (Continued... SECTION 184A LOAN GUARANTEES FOR NATIVE HAWAIIAN HOUSING § 1007.10 Eligible borrowers. A loan guaranteed...

7 CFR 1710.114 - TIER, DSC, OTIER and ODSC requirements.

Code of Federal Regulations, 2010 CFR

2010-01-01

...) General. Requirements for coverage ratios are set forth in the borrower's mortgage, loan contract, or..., shall reduce the coverage ratio requirements of a borrower that has contractually agreed with RUS to a higher requirement. (b) Coverage ratios. (1) Distribution borrowers. The minimum coverage ratios required...

7 CFR 1942.129 - Borrower supervision and servicing.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 7 Agriculture 13 2012-01-01 2012-01-01 false Borrower supervision and servicing. 1942.129 Section 1942.129 Agriculture Regulations of the Department of Agriculture (Continued) RURAL HOUSING SERVICE... Facilities Projects § 1942.129 Borrower supervision and servicing. Loans under this subpart are subject to...

7 CFR 1942.129 - Borrower supervision and servicing.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 7 Agriculture 13 2014-01-01 2013-01-01 true Borrower supervision and servicing. 1942.129 Section 1942.129 Agriculture Regulations of the Department of Agriculture (Continued) RURAL HOUSING SERVICE... Facilities Projects § 1942.129 Borrower supervision and servicing. Loans under this subpart are subject to...

7 CFR 1942.129 - Borrower supervision and servicing.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 7 Agriculture 13 2013-01-01 2013-01-01 false Borrower supervision and servicing. 1942.129 Section 1942.129 Agriculture Regulations of the Department of Agriculture (Continued) RURAL HOUSING SERVICE... Facilities Projects § 1942.129 Borrower supervision and servicing. Loans under this subpart are subject to...

7 CFR 1942.129 - Borrower supervision and servicing.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 13 2010-01-01 2009-01-01 true Borrower supervision and servicing. 1942.129 Section 1942.129 Agriculture Regulations of the Department of Agriculture (Continued) RURAL HOUSING SERVICE... Facilities Projects § 1942.129 Borrower supervision and servicing. Loans under this subpart are subject to...

7 CFR 1942.129 - Borrower supervision and servicing.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 7 Agriculture 13 2011-01-01 2009-01-01 true Borrower supervision and servicing. 1942.129 Section 1942.129 Agriculture Regulations of the Department of Agriculture (Continued) RURAL HOUSING SERVICE... Facilities Projects § 1942.129 Borrower supervision and servicing. Loans under this subpart are subject to...

7 CFR 765.202 - Borrower responsibilities.

Code of Federal Regulations, 2010 CFR

2010-01-01

... or other security instruments; and (2) The cost of lien search reports; (d) Pay taxes on property...) Non-compliance with the provisions of loan agreements and documents, other than failure to meet... FLP loans by the borrower; (2) Borrower non-compliance will be considered by the Agency when making...

7 CFR 1735.22 - Loan security.

Code of Federal Regulations, 2010 CFR

2010-01-01

... telephone facilities that do not constitute self-contained operating systems or units (such as lines switched by other systems), the borrower shall, in addition to the mortgage lien on all of the borrower's... the borrower's entire system, including the facilities to be constructed with the proceeds of the loan...

7 CFR 1735.22 - Loan security.

Code of Federal Regulations, 2011 CFR

2011-01-01

... telephone facilities that do not constitute self-contained operating systems or units (such as lines switched by other systems), the borrower shall, in addition to the mortgage lien on all of the borrower's... the borrower's entire system, including the facilities to be constructed with the proceeds of the loan...

7 CFR 1717.300 - Purpose.

Code of Federal Regulations, 2011 CFR

2011-01-01

... in Rate Making in Connection With Power Supply Borrowers § 1717.300 Purpose. This subpart contains... of rates to be charged by power supply borrowers for the sale of electric power and energy. This... are not exclusive, of the regulation of a power supply borrower's rates by a state regulatory...

7 CFR 1717.300 - Purpose.

Code of Federal Regulations, 2010 CFR

2010-01-01

... in Rate Making in Connection With Power Supply Borrowers § 1717.300 Purpose. This subpart contains... of rates to be charged by power supply borrowers for the sale of electric power and energy. This... are not exclusive, of the regulation of a power supply borrower's rates by a state regulatory...

7 CFR 1710.302 - Financial forecasts-power supply borrowers.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 7 Agriculture 11 2011-01-01 2011-01-01 false Financial forecasts-power supply borrowers. 1710.302... AND GUARANTEES Long-Range Financial Forecasts § 1710.302 Financial forecasts—power supply borrowers. (a) The requirements of this section apply only to financial forecasts submitted by power supply...

Relationships between Interlibrary Loan and Research Activity in Canada

ERIC Educational Resources Information Center

Duy, Joanna; Larivière, Vincent

2014-01-01

Interlibrary Loan borrowing rates in academic libraries are influenced by an array of factors. This article explores the relationship between interlibrary loan borrowing activity and research activity at 42 Canadian academic institutions. A significant positive correlation was found between interlibrary loan borrowing activity and measures of…

24 CFR 891.600 - Responsibilities of Borrower.

Code of Federal Regulations, 2010 CFR

2010-04-01

... Handicapped-Section 8 Assistance § 891.600 Responsibilities of Borrower. (a) Marketing. (1) The Borrower must commence and continue diligent marketing activities not later than 90 days before the anticipated date of... the same housing market. (2) Marketing must be done in accordance with the HUD-approved affirmative...

Remote-Sensing Survey of the Bayou Labranche Wetlands Restoration Borrow Area, St. Charles Parish, Louisiana

DTIC Science & Technology

1993-03-01

55 17. Magnetic contour and survey data collected at Target 1 ............................ 56 18... Magnetic contour and survey data collected at Target 3 ............................ 58 19. Magnetic contour and survey data collected at Target 4...59 20. Magnetic contour and survey data collected at Target 5 ............................ 60 ’ iii LIST OF TABLES 1. South

Teaching Consumer Education and Financial Planning: A Manual for School and Classroom Use.

ERIC Educational Resources Information Center

Council for Family Financial Education, Silver Spring, MD.

This manual, designed for both the teacher and curriculum planner, is organized around six major themes: planning, buying, borrowing, protecting, investing, and sharing. These major areas are used in place of more conventional topical categories because the emphasis here is upon each individual's behavior. A chart is provided that shows the…

Cultural Resources Investigations in the Vicinity of Fort Jackson, Plaquemines Parish, Louisiana: The Proposed Solari Borrow Area

DTIC Science & Technology

1989-08-01

vrgniana) can be found, while other plants requiring some drainage for root growth like palmet- to (Sabal minor), elderberry ( Sambucus canadensis...certainly in full flower by A.D. 100, is generally regarded as a southern extension of the Hope- well Culture associated with the Ohio Valley. The

77 FR 11086 - Revised Notice of Intent To Prepare a Draft Environmental Impact Statement for the Brunswick...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-02-24

... DEPARTMENT OF DEFENSE Department of the Army; Corps of Engineers Revised Notice of Intent To Prepare a Draft Environmental Impact Statement for the Brunswick County Beaches, NC, Coastal Storm Damage... the borrow area extend between 1-5 miles offshore and at depth contours between - 10 and -30 feet. 5...

Compelling Untruths: Content Borrowing and Vivid False Memories

ERIC Educational Resources Information Center

Lampinen, James Michael; Meier, Christopher R.; Arnal, Jack D.; Leding, Juliana K.

2005-01-01

False memories are sometimes accompanied by surprisingly vivid experiential detail that makes them difficult to distinguish from actual memories. Such strikingly real false memories may be produced by a process called content borrowing in which details from presented items are errantly borrowed to corroborate the occurrence of the false memory…

34 CFR 685.209 - Income-contingent repayment plans.

Code of Federal Regulations, 2013 CFR

2013-07-01

... between the borrower's AGI and 150 percent of the poverty guideline for the borrower's family size; or (B... spouse's AGI, and 150 percent of the poverty guideline for the borrower's family size; and (vi) Poverty guideline refers to the income categorized by State and family size in the poverty guidelines published...

34 CFR 685.209 - Income-contingent repayment plans.

Code of Federal Regulations, 2014 CFR

2014-07-01

... between the borrower's AGI and 150 percent of the poverty guideline for the borrower's family size; or (B... spouse's AGI, and 150 percent of the poverty guideline for the borrower's family size; and (vi) Poverty guideline refers to the income categorized by State and family size in the poverty guidelines published...

12 CFR 615.5030 - Borrowings from commercial banks.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 6 2011-01-01 2011-01-01 false Borrowings from commercial banks. 615.5030 Section 615.5030 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM FUNDING AND FISCAL... commercial banks. Each System bank board, by resolution, shall authorize all commercial bank borrowings by...

7 CFR 766.104 - Borrower eligibility requirements.

Code of Federal Regulations, 2010 CFR

2010-01-01

... economic conditions such as low commodity prices; (iv) Damage or destruction of property essential to the farming operation; or (v) Loss of, or reduction in, the borrower or spouse's essential non-farm income. (2) The borrower does not have non-essential assets for which the net recovery value is sufficient to...

Qualified to Lead? A Comparative, Contextual and Cultural View of Educational Policy Borrowing

ERIC Educational Resources Information Center

Harris, Alma; Jones, Michelle; Adams, Donnie

2016-01-01

Background: Around the globe, education policy borrowing remains pervasive and prevalent. The strategies, interventions and innovations of education systems that perform well, in international assessments, are enthusiastically borrowed and copied in the anticipation of similar educational performance and outcomes. Purpose: This purpose of the…

41 CFR 109-1.5104 - Borrowing of personal property.

Code of Federal Regulations, 2012 CFR

2012-01-01

...-INTRODUCTION 1.51-Personal Property Management Standards and Practices § 109-1.5104 Borrowing of personal... 41 Public Contracts and Property Management 3 2012-01-01 2012-01-01 false Borrowing of personal property. 109-1.5104 Section 109-1.5104 Public Contracts and Property Management Federal Property...

41 CFR 109-1.5104 - Borrowing of personal property.

Code of Federal Regulations, 2013 CFR

2013-07-01

...-INTRODUCTION 1.51-Personal Property Management Standards and Practices § 109-1.5104 Borrowing of personal... 41 Public Contracts and Property Management 3 2013-07-01 2013-07-01 false Borrowing of personal property. 109-1.5104 Section 109-1.5104 Public Contracts and Property Management Federal Property...

41 CFR 109-1.5104 - Borrowing of personal property.

Code of Federal Regulations, 2011 CFR

2011-01-01

...-INTRODUCTION 1.51-Personal Property Management Standards and Practices § 109-1.5104 Borrowing of personal... 41 Public Contracts and Property Management 3 2011-01-01 2011-01-01 false Borrowing of personal property. 109-1.5104 Section 109-1.5104 Public Contracts and Property Management Federal Property...

41 CFR 109-1.5104 - Borrowing of personal property.

Code of Federal Regulations, 2014 CFR

2014-01-01

...-INTRODUCTION 1.51-Personal Property Management Standards and Practices § 109-1.5104 Borrowing of personal... 41 Public Contracts and Property Management 3 2014-01-01 2014-01-01 false Borrowing of personal property. 109-1.5104 Section 109-1.5104 Public Contracts and Property Management Federal Property...

Education Policy Borrowing and Cultural Scripts for Teaching in China

ERIC Educational Resources Information Center

Tan, Charlene

2015-01-01

China's recent education reforms are a result of selective policy borrowing from "the West". Although comparativists have highlighted the importance of cultural context in policy borrowing in China, what remains relatively under-explored is the epistemological basis for cultural views that mediate policy transfer. This article argues…

7 CFR 1951.262 - Farm Credit Programs-graduation of borrowers.

Code of Federal Regulations, 2010 CFR

2010-01-01

...) [Reserved] (e) Graduation candidates. Borrowers who are classified “commercial” or “standard” are graduation candidates. At least every 2 years, all borrowers who have a current classification of commercial or standard must submit a year-end balance sheet, actual financial performance information for the most recent year...

34 CFR 682.205 - Disclosure requirements for lenders.

Code of Federal Regulations, 2014 CFR

2014-07-01

... in repayment plans from the lender. (4) Required disclosures for borrowers having difficulty making... borrower who has notified the lender that he or she is having difficulty making payments with— (A) A... this section is not required if the borrower's difficulty has been resolved through contact with the...

34 CFR 685.304 - Counseling borrowers.

Code of Federal Regulations, 2013 CFR

2013-07-01

... 34 Education 4 2013-07-01 2013-07-01 false Counseling borrowers. 685.304 Section 685.304 Education... Payments for Direct Loan Program Schools § 685.304 Counseling borrowers. (a) Entrance counseling. (1) Except as provided in paragraph (a)(8) of this section, a school must ensure that entrance counseling is...

34 CFR 685.304 - Counseling borrowers.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 34 Education 3 2010-07-01 2010-07-01 false Counseling borrowers. 685.304 Section 685.304 Education... Direct Loan Program Schools § 685.304 Counseling borrowers. (a) Entrance counseling. (1) Except as provided in paragraph (a)(8) of this section, a school must ensure that entrance counseling is conducted...

34 CFR 685.304 - Counseling borrowers.

Code of Federal Regulations, 2011 CFR

2011-07-01

... 34 Education 4 2011-07-01 2011-07-01 false Counseling borrowers. 685.304 Section 685.304 Education... Payments for Direct Loan Program Schools § 685.304 Counseling borrowers. (a) Entrance counseling. (1) Except as provided in paragraph (a)(8) of this section, a school must ensure that entrance counseling is...

34 CFR 685.304 - Counseling borrowers.

Code of Federal Regulations, 2012 CFR

2012-07-01

... 34 Education 4 2012-07-01 2012-07-01 false Counseling borrowers. 685.304 Section 685.304 Education... Payments for Direct Loan Program Schools § 685.304 Counseling borrowers. (a) Entrance counseling. (1) Except as provided in paragraph (a)(8) of this section, a school must ensure that entrance counseling is...

34 CFR 685.304 - Counseling borrowers.

Code of Federal Regulations, 2014 CFR

2014-07-01

... 34 Education 4 2014-07-01 2014-07-01 false Counseling borrowers. 685.304 Section 685.304 Education... Payments for Direct Loan Program Schools § 685.304 Counseling borrowers. (a) Entrance counseling. (1) Except as provided in paragraph (a)(8) of this section, a school must ensure that entrance counseling is...

7 CFR 766.54 - Borrower application requirements.

Code of Federal Regulations, 2012 CFR

2012-01-01

... eight months from the date the natural disaster was designated. (2) All borrowers must sign the DSA..., DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS DIRECT LOAN SERVICING-SPECIAL Disaster Set-Aside § 766.54 Borrower... expense records for the production cycle in which the disaster occurred unless the Agency already has this...

7 CFR 766.54 - Borrower application requirements.

Code of Federal Regulations, 2011 CFR

2011-01-01

... eight months from the date the natural disaster was designated. (2) All borrowers must sign the DSA..., DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS DIRECT LOAN SERVICING-SPECIAL Disaster Set-Aside § 766.54 Borrower... expense records for the production cycle in which the disaster occurred unless the Agency already has this...

7 CFR 766.54 - Borrower application requirements.

Code of Federal Regulations, 2010 CFR

2010-01-01

... eight months from the date the natural disaster was designated. (2) All borrowers must sign the DSA..., DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS DIRECT LOAN SERVICING-SPECIAL Disaster Set-Aside § 766.54 Borrower... expense records for the production cycle in which the disaster occurred unless the Agency already has this...

7 CFR 766.54 - Borrower application requirements.

Code of Federal Regulations, 2013 CFR

2013-01-01

... eight months from the date the natural disaster was designated. (2) All borrowers must sign the DSA..., DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS DIRECT LOAN SERVICING-SPECIAL Disaster Set-Aside § 766.54 Borrower... expense records for the production cycle in which the disaster occurred unless the Agency already has this...

7 CFR 766.54 - Borrower application requirements.

Code of Federal Regulations, 2014 CFR

2014-01-01

... eight months from the date the natural disaster was designated. (2) All borrowers must sign the DSA..., DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS DIRECT LOAN SERVICING-SPECIAL Disaster Set-Aside § 766.54 Borrower... expense records for the production cycle in which the disaster occurred unless the Agency already has this...

7 CFR 3575.75 - Defaults by borrower.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 15 2010-01-01 2010-01-01 false Defaults by borrower. 3575.75 Section 3575.75... AGRICULTURE GENERAL Community Programs Guaranteed Loans § 3575.75 Defaults by borrower. (a) Lender... default. The lender will continue to keep the Agency informed on a bimonthly basis until such time as the...

12 CFR 390.384 - Financial statements for conversions, SEC filings, and offering circulars.

Code of Federal Regulations, 2013 CFR

2013-01-01

... agreements to repurchase, (ii) commercial paper, and (iii) other short-term borrowings. (b) Federal funds... commercial paper borrowing arrangement or similar arrangements shall be separately identified. 16. Advance... sold under agreements to repurchase, commercial paper, and other short-term borrowings. 8. Interest on...

77 FR 35659 - Request for Information Regarding Complaints From Private Education Loan Borrowers

Federal Register 2010, 2011, 2012, 2013, 2014

2012-06-14

... Regarding Complaints From Private Education Loan Borrowers AGENCY: Bureau of Consumer Financial Protection... and Consumer Protection Act of 2010 (Dodd-Frank Act) established a Private Education Loan Ombudsman... borrowers of private education loans. Among other things, the Dodd-Frank Act directs the Ombudsman to...

34 CFR 674.49 - Bankruptcy of borrower.

Code of Federal Regulations, 2011 CFR

2011-07-01

... 34 Education 3 2011-07-01 2011-07-01 false Bankruptcy of borrower. 674.49 Section 674.49 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION FEDERAL PERKINS LOAN PROGRAM Due Diligence § 674.49 Bankruptcy of borrower. (a...

7 CFR 1786.99 - Eligibility criteria.

Code of Federal Regulations, 2011 CFR

2011-01-01

... borrower will not, without the approval in writing of the power supplier and the Administrator, take or... provided in the respective Notes; and (g) If the borrower is a party to a wholesale power contract with a power supplier financed pursuant to the Act, the borrower must provide the Administrator with such...

7 CFR 1786.99 - Eligibility criteria.

Code of Federal Regulations, 2010 CFR

2010-01-01

... borrower will not, without the approval in writing of the power supplier and the Administrator, take or... provided in the respective Notes; and (g) If the borrower is a party to a wholesale power contract with a power supplier financed pursuant to the Act, the borrower must provide the Administrator with such...

3 CFR - Improving Repayment Options for Federal Student Loan Borrowers

Code of Federal Regulations, 2013 CFR

2013-01-01

... about $26,300. While a college education remains an excellent investment, this debt can be overly... allow income information to be seamlessly transmitted so that borrowers can complete the application at... Options for Federal Student Loan Borrowers Memorandum for the Secretary of Education [and] the Secretary...

77 FR 35241 - Improving Repayment Options for Federal Student Loan Borrowers

Federal Register 2010, 2011, 2012, 2013, 2014

2012-06-13

... about $26,300. While a college education remains an excellent investment, this debt can be overly... allow income information to be seamlessly transmitted so that borrowers can complete the application at... Repayment Options for Federal Student Loan Borrowers Memorandum for the Secretary of Education [and] the...

7 CFR 1700.54 - Electric Program.

Code of Federal Regulations, 2011 CFR

2011-01-01

... distribution borrowers or more than $50,000,000 for power supply borrowers. (4) All loans, loan guarantees, and... of liens for power supply borrowers in amounts not exceeding $50,000,000. (3) Execution of all loan... set forth in paragraph (c)(1) of this section. (d) Director, Power Supply Division, has the authority...

7 CFR 1700.54 - Electric Program.

Code of Federal Regulations, 2010 CFR

2010-01-01

... distribution borrowers or more than $50,000,000 for power supply borrowers. (4) All loans, loan guarantees, and... of liens for power supply borrowers in amounts not exceeding $50,000,000. (3) Execution of all loan... set forth in paragraph (c)(1) of this section. (d) Director, Power Supply Division, has the authority...

7 CFR 1717.307 - Distribution members' rates.

Code of Federal Regulations, 2010 CFR

2010-01-01

... Federal Pre-emption in Rate Making in Connection With Power Supply Borrowers § 1717.307 Distribution... affairs of the power supply borrower and over the rates of its distribution members: Provided, however, that the state regulatory authority shall treat any RUS approved rate for the power supply borrower as...

7 CFR 1717.303 - Requirements of RUS documents.

Code of Federal Regulations, 2010 CFR

2010-01-01

... Federal Pre-emption in Rate Making in Connection With Power Supply Borrowers § 1717.303 Requirements of RUS documents. (a) Pursuant to the terms of the RUS documents each power supply borrower shall... wholesale power contract, the Board of Directors or Board of Trustees of the power supply borrower shall...

7 CFR 1710.300 - General.

Code of Federal Regulations, 2011 CFR

2011-01-01

...; (12) A discussion of the historical experience of the borrower, and in the case of a power supply... ability of the borrower, and in the case of a power supply borrower its member systems, to compete with... regional office will consult with the Power Supply Division in the case of generation projects for...

7 CFR 1717.307 - Distribution members' rates.

Code of Federal Regulations, 2011 CFR

2011-01-01

... Federal Pre-emption in Rate Making in Connection With Power Supply Borrowers § 1717.307 Distribution... affairs of the power supply borrower and over the rates of its distribution members: Provided, however, that the state regulatory authority shall treat any RUS approved rate for the power supply borrower as...

7 CFR 1717.303 - Requirements of RUS documents.

Code of Federal Regulations, 2011 CFR

2011-01-01

... Federal Pre-emption in Rate Making in Connection With Power Supply Borrowers § 1717.303 Requirements of RUS documents. (a) Pursuant to the terms of the RUS documents each power supply borrower shall... wholesale power contract, the Board of Directors or Board of Trustees of the power supply borrower shall...

7 CFR 1773.4 - Borrower responsibilities.

Code of Federal Regulations, 2010 CFR

2010-01-01

... responsibilities. (a) Selection of a qualified CPA. The borrower's board of directors is responsible for the selection of a qualified CPA that meets the requirements set forth in § 1773.5. When selecting a CPA, the borrower should consider, among other matters: (1) The qualifications of CPAs available to do the work; (2...

7 CFR 1773.4 - Borrower responsibilities.

Code of Federal Regulations, 2011 CFR

2011-01-01

... responsibilities. (a) Selection of a qualified CPA. The borrower's board of directors is responsible for the selection of a qualified CPA that meets the requirements set forth in § 1773.5. When selecting a CPA, the borrower should consider, among other matters: (1) The qualifications of CPAs available to do the work; (2...

7 CFR 1773.33 - Management letter.

Code of Federal Regulations, 2014 CFR

2014-01-01

... (CONTINUED) POLICY ON AUDITS OF RUS BORROWERS RUS Reporting Requirements § 1773.33 Management letter. The CPA... December 31 year end, the CPA must state whether the information represented by the borrower as having been... audited records. For borrowers with a year end other than December 31, the CPA must state whether the...

7 CFR 1773.4 - Borrower responsibilities.

Code of Federal Regulations, 2014 CFR

2014-01-01

... responsibilities. (a) Selection of a qualified CPA. The borrower's board of directors is responsible for the selection of a qualified CPA that meets the requirements set forth in § 1773.5. When selecting a CPA, the borrower should consider, among other matters: (1) The qualifications of CPAs available to do the work; (2...

7 CFR 1773.4 - Borrower responsibilities.

Code of Federal Regulations, 2012 CFR

2012-01-01

... responsibilities. (a) Selection of a qualified CPA. The borrower's board of directors is responsible for the selection of a qualified CPA that meets the requirements set forth in § 1773.5. When selecting a CPA, the borrower should consider, among other matters: (1) The qualifications of CPAs available to do the work; (2...

7 CFR 1773.4 - Borrower responsibilities.

Code of Federal Regulations, 2013 CFR

2013-01-01

... responsibilities. (a) Selection of a qualified CPA. The borrower's board of directors is responsible for the selection of a qualified CPA that meets the requirements set forth in § 1773.5. When selecting a CPA, the borrower should consider, among other matters: (1) The qualifications of CPAs available to do the work; (2...

7 CFR 1781.21 - Borrower accounting methods, management, reporting, and audits.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 12 2010-01-01 2010-01-01 false Borrower accounting methods, management, reporting... DEVELOPMENT (RCD) LOANS AND WATERSHED (WS) LOANS AND ADVANCES § 1781.21 Borrower accounting methods, management, reporting, and audits. These activities will be handled in accordance with the provisions of...

49 CFR 22.45 - Allowable fees to borrowers.

Code of Federal Regulations, 2010 CFR

2010-10-01

... 49 Transportation 1 2010-10-01 2010-10-01 false Allowable fees to borrowers. 22.45 Section 22.45 Transportation Office of the Secretary of Transportation SHORT-TERM LENDING PROGRAM (STLP) Loan Application Process § 22.45 Allowable fees to borrowers. (a) Application Fees. The Participating Lender may charge the...

7 CFR 1726.300 - Standard forms of contracts for borrowers.

Code of Federal Regulations, 2010 CFR

2010-01-01

... SERVICE, DEPARTMENT OF AGRICULTURE ELECTRIC SYSTEM CONSTRUCTION POLICIES AND PROCEDURES RUS Standard Forms § 1726.300 Standard forms of contracts for borrowers. (a) General. The standard loan agreement between... 7 Agriculture 11 2010-01-01 2010-01-01 false Standard forms of contracts for borrowers. 1726.300...

12 CFR 615.5030 - Borrowings from commercial banks.

Code of Federal Regulations, 2010 CFR

2010-01-01

... commercial banks. (a) Each System bank board, by resolution, shall authorize all commercial bank borrowings... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Borrowings from commercial banks. 615.5030 Section 615.5030 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM FUNDING AND FISCAL...

7 CFR 3560.405 - Borrower organizational structure or ownership interest changes.

Code of Federal Regulations, 2010 CFR

2010-01-01

... Servicing § 3560.405 Borrower organizational structure or ownership interest changes. (a) General. The requirements of this section apply to changes in a borrower entity's organizational structure or to a change in... organizational change. The request must document that the proposed changes will not adversely affect the program...

7 CFR 1710.255 - Energy efficiency work plans-energy efficiency borrowers.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 7 Agriculture 11 2014-01-01 2014-01-01 false Energy efficiency work plans-energy efficiency... TO ELECTRIC LOANS AND GUARANTEES Construction Work Plans and Related Studies § 1710.255 Energy efficiency work plans—energy efficiency borrowers. (a) All energy efficiency borrowers must maintain a...

Sobre prestamos y clasificaciones linguisticas (Regarding Borrowing and Linguistic Classification).

ERIC Educational Resources Information Center

Key, Mary Ritchie

1988-01-01

This article explores the traditionally accepted etymologies of several lexical borrowings in the indigenous languages of the Americas within the framework of comparative linguistics and linguistic classification. The first section presents a general discussion of the problem of tracing lexical borrowings in this context. The section features a…

34 CFR 674.42 - Contact with the borrower.

Code of Federal Regulations, 2012 CFR

2012-07-01

... half-time study at the institution or during the exit interview. If the borrower enters the repayment... exit counseling is conducted shortly before the borrower ceases at least half-time study at the institution. As an alternative, in the case of a student enrolled in a correspondence program or a study...

34 CFR 674.42 - Contact with the borrower.

Code of Federal Regulations, 2010 CFR

2010-07-01

... half-time study at the institution or during the exit interview. If the borrower enters the repayment... exit counseling is conducted shortly before the borrower ceases at least half-time study at the institution. As an alternative, in the case of a student enrolled in a correspondence program or a study...

34 CFR 674.42 - Contact with the borrower.

Code of Federal Regulations, 2013 CFR

2013-07-01

... half-time study at the institution or during the exit interview. If the borrower enters the repayment... exit counseling is conducted shortly before the borrower ceases at least half-time study at the institution. As an alternative, in the case of a student enrolled in a correspondence program or a study...

34 CFR 674.42 - Contact with the borrower.

Code of Federal Regulations, 2014 CFR

2014-07-01

... half-time study at the institution or during the exit interview. If the borrower enters the repayment... exit counseling is conducted shortly before the borrower ceases at least half-time study at the institution. As an alternative, in the case of a student enrolled in a correspondence program or a study...

34 CFR 674.42 - Contact with the borrower.

Code of Federal Regulations, 2011 CFR

2011-07-01

... half-time study at the institution or during the exit interview. If the borrower enters the repayment... exit counseling is conducted shortly before the borrower ceases at least half-time study at the institution. As an alternative, in the case of a student enrolled in a correspondence program or a study...

38 CFR 36.4350 - Servicing procedures for holders.

Code of Federal Regulations, 2011 CFR

2011-07-01

... face-to-face interview with the borrower(s) or a reasonable effort to arrange such a meeting is... can also answer any questions you have regarding your entitlement. If you have access to the Internet... parts 180 and 801. (h) Conducting interviews with delinquent borrowers. When personal contact with the...

12 CFR 617.7005 - When may electronic communications be used in the borrower rights process?

Code of Federal Regulations, 2014 CFR

2014-01-01

... borrower rights process? Qualified lenders may use, with the parties' agreement, electronic commerce (E-commerce), including electronic communications for borrower rights disclosures. Part 609 of this chapter addresses when a qualified lender may use E-commerce. Consistent with these rules, a qualified lender should...

12 CFR 617.7005 - When may electronic communications be used in the borrower rights process?

Code of Federal Regulations, 2013 CFR

2013-01-01

... borrower rights process? Qualified lenders may use, with the parties' agreement, electronic commerce (E-commerce), including electronic communications for borrower rights disclosures. Part 609 of this chapter addresses when a qualified lender may use E-commerce. Consistent with these rules, a qualified lender should...

12 CFR 617.7005 - When may electronic communications be used in the borrower rights process?

Code of Federal Regulations, 2012 CFR

2012-01-01

... borrower rights process? Qualified lenders may use, with the parties' agreement, electronic commerce (E-commerce), including electronic communications for borrower rights disclosures. Part 609 of this chapter addresses when a qualified lender may use E-commerce. Consistent with these rules, a qualified lender should...

12 CFR 617.7005 - When may electronic communications be used in the borrower rights process?

Code of Federal Regulations, 2011 CFR

2011-01-01

... borrower rights process? Qualified lenders may use, with the parties' agreement, electronic commerce (E-commerce), including electronic communications for borrower rights disclosures. Part 609 of this chapter addresses when a qualified lender may use E-commerce. Consistent with these rules, a qualified lender should...

12 CFR 617.7005 - When may electronic communications be used in the borrower rights process?

Code of Federal Regulations, 2010 CFR

2010-01-01

... borrower rights process? Qualified lenders may use, with the parties' agreement, electronic commerce (E-commerce), including electronic communications for borrower rights disclosures. Part 609 of this chapter addresses when a qualified lender may use E-commerce. Consistent with these rules, a qualified lender should...

13 CFR 500.200 - Eligible Borrower.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 13 Business Credit and Assistance 1 2013-01-01 2013-01-01 false Eligible Borrower. 500.200 Section 500.200 Business Credit and Assistance EMERGENCY OIL AND GAS GUARANTEED LOAN BOARD EMERGENCY OIL AND GAS GUARANTEED LOAN PROGRAM Oil and Gas Guaranteed Loans § 500.200 Eligible Borrower. (a) An eligible...

13 CFR 500.200 - Eligible Borrower.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 13 Business Credit and Assistance 1 2014-01-01 2014-01-01 false Eligible Borrower. 500.200 Section 500.200 Business Credit and Assistance EMERGENCY OIL AND GAS GUARANTEED LOAN BOARD EMERGENCY OIL AND GAS GUARANTEED LOAN PROGRAM Oil and Gas Guaranteed Loans § 500.200 Eligible Borrower. (a) An eligible...

13 CFR 500.200 - Eligible Borrower.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 13 Business Credit and Assistance 1 2012-01-01 2012-01-01 false Eligible Borrower. 500.200 Section 500.200 Business Credit and Assistance EMERGENCY OIL AND GAS GUARANTEED LOAN BOARD EMERGENCY OIL AND GAS GUARANTEED LOAN PROGRAM Oil and Gas Guaranteed Loans § 500.200 Eligible Borrower. (a) An eligible...

13 CFR 500.200 - Eligible Borrower.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 13 Business Credit and Assistance 1 2011-01-01 2011-01-01 false Eligible Borrower. 500.200 Section 500.200 Business Credit and Assistance EMERGENCY OIL AND GAS GUARANTEED LOAN BOARD EMERGENCY OIL AND GAS GUARANTEED LOAN PROGRAM Oil and Gas Guaranteed Loans § 500.200 Eligible Borrower. (a) An eligible...

7 CFR 1806.6 - Failure of borrower to provide insurance.

Code of Federal Regulations, 2012 CFR

2012-01-01

... Section 1806.6 Agriculture Regulations of the Department of Agriculture (Continued) RURAL HOUSING SERVICE... insurance. When a borrower fails to provide and maintain property insurance which meets the requirements set forth in § 1806.2 of this subpart, every effort will be made to have the borrower provide coverage...

7 CFR 1806.6 - Failure of borrower to provide insurance.

Code of Federal Regulations, 2010 CFR

2010-01-01

... Section 1806.6 Agriculture Regulations of the Department of Agriculture (Continued) RURAL HOUSING SERVICE... insurance. When a borrower fails to provide and maintain property insurance which meets the requirements set forth in § 1806.2 of this subpart, every effort will be made to have the borrower provide coverage...

7 CFR 1806.6 - Failure of borrower to provide insurance.

Code of Federal Regulations, 2011 CFR

2011-01-01

... Section 1806.6 Agriculture Regulations of the Department of Agriculture (Continued) RURAL HOUSING SERVICE... insurance. When a borrower fails to provide and maintain property insurance which meets the requirements set forth in § 1806.2 of this subpart, every effort will be made to have the borrower provide coverage...

7 CFR 1806.6 - Failure of borrower to provide insurance.

Code of Federal Regulations, 2014 CFR

2014-01-01

... Section 1806.6 Agriculture Regulations of the Department of Agriculture (Continued) RURAL HOUSING SERVICE... insurance. When a borrower fails to provide and maintain property insurance which meets the requirements set forth in § 1806.2 of this subpart, every effort will be made to have the borrower provide coverage...

7 CFR 1806.6 - Failure of borrower to provide insurance.

Code of Federal Regulations, 2013 CFR

2013-01-01

... Section 1806.6 Agriculture Regulations of the Department of Agriculture (Continued) RURAL HOUSING SERVICE... insurance. When a borrower fails to provide and maintain property insurance which meets the requirements set forth in § 1806.2 of this subpart, every effort will be made to have the borrower provide coverage...

Borrowed Capital as Risk Factor for Large Construction Companies in Russia

NASA Astrophysics Data System (ADS)

Guzikova, L.; Plotnikova, E.; Zubareva, M.

2017-11-01

The paper investigates the features of the formation of the capital structure of large construction companies from the standpoint of the financial risks and opportunities for companies’ development. The authors compare the opportunities and risks linked with the use of the own and borrowed capital, analyze the capital structure of large Russian construction companies, identify factors affecting the capital structure and determining the ratio of own and borrowed sources of financing. In the paper the hypothesis is considered that companies use larger volumes of borrowed capital by means of their assets increase.

Three essays on resource economics. Demand systems for energy forecasting: Practical considerations for estimating a generalized logit model, To borrow or not to borrow: A variation on the MacDougal-Kemp theme, and, Valuing reduced risk for households with children or the retired

NASA Astrophysics Data System (ADS)

Weng, Weifeng

This thesis presents papers on three areas of study within resource and environmental economics. "Demand Systems For Energy Forecasting" provides some practical considerations for estimating a Generalized Logit model. The main reason for using this demand system for energy and other factors is that the derived price elasticities are robust when expenditure shares are small. The primary objective of the paper is to determine the best form of the cross-price weights, and a simple inverse function of the expenditure share is selected. A second objective is to demonstrate that the estimated elasticities are sensitive to the units specified for the prices, and to show how price scales can be estimated as part of the model. "To Borrow or Not to Borrow: A Variation on the MacDougal-Kemp Theme" studies the impact of international capital movements on the conditional convergence of economies differing from each other only in initial wealth. We found that in assets, income, consumption and utility, convergence obtains, with and only with, the absence of international capital movement. When a rich country invests in a poor country, the balance of debt increases forever. Asset ownership is increased in all periods for the lender, and asset ownership of the borrower is deceased. Also, capital investment decreases the lender's utility for early periods, but increases it forever after a cross-over point. In contrast, the borrower's utility increases for early periods, but then decreases forever. "Valuing Reduced Risk for Households with Children or the Retired" presents a theoretical model of how families value risk and then exams family automobile purchases to impute the average Value of a Statistical Life (VSL) for each type of family. Data for fatal accidents are used to estimate survival rates for individuals in different types of accidents, and the probabilities of having accidents for different types of vehicle. These models are used to determine standardized risks for vehicles in hedonic models of the purchase price and fuel efficiency. The hedonic models determine the marginal capital and operating costs of reducing the risk of mortality. We find that households with children are valued much more highly than the average VSL of $2 million, and households with seniors are valued less than average.

75 FR 58285 - Short-Term, Small Amount Loans

Federal Register 2010, 2011, 2012, 2013, 2014

2010-09-24

... believed that a longer term was necessary to enable borrowers to pay back a loan in small, more manageable... drive borrowers back to payday lenders. After considering these comments the Board has determined to... for a higher number of loans, the Board disagrees that a limited number of loans will push borrowers...

13 CFR 120.412 - Other services Lenders may provide Borrowers.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 13 Business Credit and Assistance 1 2011-01-01 2011-01-01 false Other services Lenders may provide Borrowers. 120.412 Section 120.412 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS... goods with a Borrower only after full disbursement of the loan to the small business or to an account...

7 CFR 1806.28 - Borrowers required to escrow.

Code of Federal Regulations, 2010 CFR

2010-01-01

... insufficient funds to pay the flood insurance premium when due, the County Supervisor will request the borrower to pay an amount equal to the difference between the premium due and the escrow balance in a lump sum within 30 days after notification. If the borrower fails to remit the amount requested, the amount will...

Education Policy Borrowing in China: Has the West Wind Overpowered the East Wind?

ERIC Educational Resources Information Center

Tan, Charlene; Chua, Catherine S. K.

2015-01-01

Recent education reform in China reflects the global trend of education policy borrowing from Anglophone countries such as the USA. The reform in China essentially advocates shifting from knowledge reproduction and didacticism to knowledge construction by students through a learner-centredness approach. Aware of the trend of borrowing policy from…

Trends in Student Aid, 2012. Trends in Higher Education Series

ERIC Educational Resources Information Center

Baum, Sandy; Payea, Kathleen

2012-01-01

The recent focus on student debt makes reliable data about how much students are borrowing, how borrowing patterns differ among students across different types of institutions and at different levels of enrollment, and about changes over time particularly important. While total student borrowing has grown rapidly over the past decade, the rate of…

Delinquency: The Untold Story of Student Loan Borrowing

ERIC Educational Resources Information Center

Cunningham, Alisa F.; Kienzl, Gregory S.

2011-01-01

Student financial aid--including grants and loans--plays a key role in supporting students' access to and success in college. Yet, despite periodic increases in grant funding, students and their families have increasingly relied on borrowing to cover more of the costs of higher education. As the number of student borrowers has increased and their…

7 CFR 1717.154 - Transitional assistance in connection with new loans.

Code of Federal Regulations, 2012 CFR

2012-01-01

... loans, RUS will consider the loan authority for the fiscal year, the borrower's projected cash flows... and supplemental loans and the impacts of this difference on the borrower's projected cash flows and... other costs of entering into the merger places on the borrower's rates and cash flows, and the...

7 CFR 1717.154 - Transitional assistance in connection with new loans.

Code of Federal Regulations, 2013 CFR

2013-01-01

... loans, RUS will consider the loan authority for the fiscal year, the borrower's projected cash flows... and supplemental loans and the impacts of this difference on the borrower's projected cash flows and... other costs of entering into the merger places on the borrower's rates and cash flows, and the...

7 CFR 1717.154 - Transitional assistance in connection with new loans.

Code of Federal Regulations, 2014 CFR

2014-01-01

... loans, RUS will consider the loan authority for the fiscal year, the borrower's projected cash flows... and supplemental loans and the impacts of this difference on the borrower's projected cash flows and... other costs of entering into the merger places on the borrower's rates and cash flows, and the...

24 CFR 1005.105 - What are eligible loans?

Code of Federal Regulations, 2010 CFR

2010-04-01

... § 203.12(b)(2) of this title for FHA mortgage insurance. (f) Lack of access to private financial markets... borrower must certify that the borrower lacks access to private financial markets. Borrower certification... 24 Housing and Urban Development 4 2010-04-01 2010-04-01 false What are eligible loans? 1005.105...

7 CFR 1717.609 - RUS approval of general manager.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 11 2010-01-01 2010-01-01 false RUS approval of general manager. 1717.609 Section... Operational Controls § 1717.609 RUS approval of general manager. (a) If a borrower's mortgage or loan contract... general manager of the borrower's system, such approval is hereby granted provided that the borrower is in...

The New England Student Loan Survey II. Final Report.

ERIC Educational Resources Information Center

Pedalino, Marilyn; And Others.

The New England Student Loan Survey (NESLS) II investigated the impact of student loans on borrowers, their consumption patterns, and their attitudes towards repayment. The 1,442 subjects, recent borrowers now repaying their student loans, included 283 high debt-low income borrowers and 207 prior defaulters now in repayment. Findings included the…

The Social Correlates of Lexical Borrowing in Spanish in New York City

ERIC Educational Resources Information Center

Varra, Rachel Marie

2013-01-01

This dissertation investigates lexical borrowing in Spanish in New York. English-origin lexical material was extracted from a stratified sample of 146 Spanish-speaking informants of different ages, national origins, classes, etc., living in New York City. ANOVAs and Pearson correlations determined whether lexical borrowing frequency and the type…

Lexical Borrowings in the ESL Classrooms in Malaysia

ERIC Educational Resources Information Center

Thirusanku, Jantmary; Yunus, Melor Md

2013-01-01

This paper attempts to show the use of lexical borrowings in ten teaching materials used by the English as Second Language (ESL) teachers in the ESL classrooms in the National Secondary Schools in the Klang district in Selangor, Malaysia. It also discusses the general and pedagogical implications involved in using lexical borrowings. This paper…

7 CFR 1710.303 - Power cost studies-power supply borrowers.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 7 Agriculture 11 2011-01-01 2011-01-01 false Power cost studies-power supply borrowers. 1710.303... AND GUARANTEES Long-Range Financial Forecasts § 1710.303 Power cost studies—power supply borrowers. (a... facilities shall be supported by a power cost study to demonstrate that the proposed generation and...

Disparities in American Graduate Students' Tendency to Borrow: "Race, Family Background, and Major"

ERIC Educational Resources Information Center

Niu, Lian

2016-01-01

This study uses National Postsecondary Student Aid Study of 2012 data to examine disparities in graduate students' borrowing tendency. Results show Black and Hispanic students, students in education, humanities, and social sciences, and students of parents with lower education level are more likely to borrow for graduate education, even after…

24 CFR 201.23 - Borrower's initial payment.

Code of Federal Regulations, 2010 CFR

2010-04-01

... gift or a loan from some other source, the borrower must disclose the source of such gift or loan on... lender in the loan file. (b) Manufactured home purchase loans. In the case of a manufactured home purchase loan, the borrower shall make a minimum cash downpayment of at least five percent of the purchase...

7 CFR 1942.128 - Borrower accounting methods, management reports and audits.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 13 2010-01-01 2009-01-01 true Borrower accounting methods, management reports and... Rescue and Other Small Community Facilities Projects § 1942.128 Borrower accounting methods, management... under Public Law 103-354 1942-53, “Cash Flow Report,” instead of page one of schedule one and schedule...

How Culture Matters in Educational Borrowing? Chinese Teachers' Dilemmas in a Global Era

ERIC Educational Resources Information Center

Liu, Sheng-nan; Feng, Da-ming

2015-01-01

Educational borrowing may cause numerous dilemmas that emerge from cross-cultural differences among teachers in the globalization. Through the case study on the flipped classroom introduced from the United States into Chinese middle schools, this article presents an examination of dilemmas that teachers encountered during educational borrowing in…

Lexical Borrowing from Chinese Languages in Malaysian English

ERIC Educational Resources Information Center

Imm, Tan Siew

2009-01-01

This paper explores how contact between English and Chinese has resulted in the incorporation of Chinese borrowings into the lexicon of Malaysian English (ME). Using a corpus-based approach, this study analyses a comprehensive range of borrowed features extracted from the Malaysian English Newspaper Corpus (MEN Corpus). Based on the contexts of…

7 CFR 1980.390 - Interest assistance.

Code of Federal Regulations, 2010 CFR

2010-01-01

... fee is payable when: (i) A new agreement is made with the borrower except at the time of loan closing. (ii) The borrower had an agreement for the previous year and a new agreement is made for the current year. (iii) The borrower is eligible for but not presently on interest assistance and enters into a new...

Graduating into Debt: The Burdens of Borrowing for Graduate & Professional Students.

ERIC Educational Resources Information Center

Education Resources Inst., Boston, MA.

A study of the debt levels of graduate and professional students is reported in narrative, data tables, and graphs. Highlights include: total annual borrowing through federal loan programs has accelerated dramatically, with more than a million graduate and professional students now borrowing nearly $8 billion per year; graduate and professional…

7 CFR 1944.425 - Handling and accounting for borrower loan funds.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 13 2010-01-01 2009-01-01 true Handling and accounting for borrower loan funds. 1944... Grants § 1944.425 Handling and accounting for borrower loan funds. Grantees will be required to...HA or its successor agency under Public Law 103-354's non-discrimination policies in receiving...

12 CFR 615.5040 - Borrowings from financial institutions other than commercial banks.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Borrowings from financial institutions other than commercial banks. 615.5040 Section 615.5040 Banks and Banking FARM CREDIT ADMINISTRATION FARM... § 615.5040 Borrowings from financial institutions other than commercial banks. The Farm Credit banks may...

7 CFR 1980.390 - Interest assistance.

Code of Federal Regulations, 2011 CFR

2011-01-01

... fee is payable when: (i) A new agreement is made with the borrower except at the time of loan closing. (ii) The borrower had an agreement for the previous year and a new agreement is made for the current year. (iii) The borrower is eligible for but not presently on interest assistance and enters into a new...

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

Whitford, W.G.; Elkins, N.Z.; Parker, L.W.

In laboratory microcosms of coal mine spoil amended with bark and wood chips, the activity of termites increased organic matter and increased total nitrogen. Termite survival was reduced in microcosms with spoil and paper or straw amendments. Field studies evaluating the efficacy of organic amendments in developing a soil biota showed that decomposition rates of wood chip-bark amended spoil were the same as unmined soil and that decomposition rates were lower than all other mulch-spoil combinations. Wood and bark amended-spoil had the highest density and diversity of soil fauna. Top dressing spoils with borrow soil did not improve any ofmore » the soil biological parameters measured. Based on these data it was recommended that reclamation procedures be changed to eliminate borrow soil top-dressing and that wood removed from mined areas be returned to the contoured spoil as wood chip amendment in addition to straw mulch.« less

Factors influencing students' borrowing that may affect their specialty choices and other after-graduation behaviors.

PubMed

Cooter, R; Bross, T M; Erdmann, J B

1998-01-01

To assess the factors that influence medical students' borrowing and how these factors may affect access to the profession, specialty choice, and medical graduates' repayment behaviors. The borrowing patterns of the 3,495 indebted students enrolled at Jefferson Medical College of Thomas Jefferson University between 1989-90 and 1994-95 were analyzed. (Debt included both subsidized and unsubsidized debt.) These borrowing patterns were assessed in relation to changes in the cost of education, family (i.e., parents') income, availability of grant funding, legislative changes to loan-eligibility criteria (specifically, the Higher Education Amendments of 1992), and average interest rates on federal unsubsidized loans. The annual changes in average debt levels suggest that while cost of education, family resources, and availability of grant funding may be significant factors, changes in loan eligibility and prevailing interest rates on unsubsidized loan source also influence medical students' borrowing. A comparison of the borrowing patterns for three income groups (low, middle, high) further demonstrated that while overall fluctuations for low-income group mirrored changes in the cost and resource variables, annual borrowing fluctuations for the middle- and high-income groups were more reflective of the expansion of loan eligibility and reduced interest rates on unsubsidized loans. From 1989-90 to 1994-95 the average cost of education increased by $2,368. Average unsubsidized debt increased by $1,544 for the low-income group, $3,960 for the middle-income group, and $4,439 for the high-income group. The percentage of unsubsidized funding included in the borrowers' financing packages increased by just under 6% for the low-income group but almost 10% and 11% for the middle- and high-income groups, respectively. The results suggest that medical students borrow for a variety of reasons, ranging from financial need to personal financing or lifestyle choices. These reasons should be considered in relation to institutional and governmental financial aid policies and future research on the relationship between debt and speciality choice.

Longitudinal development of subtraction performance in elementary school.

PubMed

Artemenko, Christina; Pixner, Silvia; Moeller, Korbinian; Nuerk, Hans-Christoph

2017-10-05

A major goal of education in elementary mathematics is the mastery of arithmetic operations. However, research on subtraction is rather scarce, probably because subtraction is often implicitly assumed to be cognitively similar to addition, its mathematical inverse. To evaluate this assumption, we examined the relation between the borrow effect in subtraction and the carry effect in addition, and the developmental trajectory of the borrow effect in children using a choice reaction paradigm in a longitudinal study. In contrast to the carry effect in adults, carry and borrow effects in children were found to be categorical rather than continuous. From grades 3 to 4, children became more proficient in two-digit subtraction in general, but not in performing the borrow operation in particular. Thus, we observed no specific developmental progress in place-value computation, but a general improvement in subtraction procedures. Statement of contribution What is already known on this subject? The borrow operation increases difficulty in two-digit subtraction in adults. The carry effect in addition, as the inverse operation of borrowing, comprises categorical and continuous processing characteristics. What does this study add? In contrast to the carry effect in adults, the borrow and carry effects are categorical in elementary school children. Children generally improve in subtraction performance from grades 3 to 4 but do not progress in place-value computation in particular. © 2017 The British Psychological Society.

An Empirical Analysis of Borrowing Behaviour of Higher Education Students in the Netherlands

ERIC Educational Resources Information Center

Oosterbeek, Hessel; van den Broek, Anja

2009-01-01

Many higher education students combine their study with a job on the side instead of taking up a loan. This paper examines the factors underlying this apparently myopic behaviour. We find that standard economic factors explain observed borrowing decisions to some extent. Students with easier access to financial resources borrow less often.…

24 CFR 201.42 - Bankruptcy, insolvency or death of borrower.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Bankruptcy, insolvency or death of..., insolvency or death of borrower. (a) Bankruptcy or insolvency. The lender shall file a proof of claim with... required) shall be retained in the loan file. (b) Death of a borrower. The lender shall file a proof of...

42 CFR 60.12 - Deferment.

Code of Federal Regulations, 2011 CFR

2011-10-01

...” in the Guaranteed Student Loan Program; (2) Up to 4 years during which the borrower is a participant... United States; (4) Up to 3 years during which the borrower is in service as a volunteer under the Peace...; or (6) Up to 3 years during which the borrower is a full-time volunteer under title I of the Domestic...

42 CFR 60.12 - Deferment.

Code of Federal Regulations, 2014 CFR

2014-10-01

...” in the Guaranteed Student Loan Program; (2) Up to 4 years during which the borrower is a participant... United States; (4) Up to 3 years during which the borrower is in service as a volunteer under the Peace...; or (6) Up to 3 years during which the borrower is a full-time volunteer under title I of the Domestic...

42 CFR 60.12 - Deferment.

Code of Federal Regulations, 2012 CFR

2012-10-01

...” in the Guaranteed Student Loan Program; (2) Up to 4 years during which the borrower is a participant... United States; (4) Up to 3 years during which the borrower is in service as a volunteer under the Peace...; or (6) Up to 3 years during which the borrower is a full-time volunteer under title I of the Domestic...

42 CFR 60.12 - Deferment.

Code of Federal Regulations, 2013 CFR

2013-10-01

...” in the Guaranteed Student Loan Program; (2) Up to 4 years during which the borrower is a participant... United States; (4) Up to 3 years during which the borrower is in service as a volunteer under the Peace...; or (6) Up to 3 years during which the borrower is a full-time volunteer under title I of the Domestic...

76 FR 61764 - Principal Funds, Inc., et al.;

Federal Register 2010, 2011, 2012, 2013, 2014

2011-10-05

... Account (as defined below), other Funds may need to borrow money from the same or similar banks for... access to a joint line of credit (the ``Credit Agreement''). 3. When a Fund borrows money from a bank or... other on behalf of the Funds that would permit each Fund to lend money directly to and borrow money...

International Education Policy Transfer--Borrowing Both Ways: The Hong Kong and England Experience

ERIC Educational Resources Information Center

Forestier, Katherine; Crossley, Michael

2015-01-01

This paper analyses how the impact of international student achievement studies and the recent economic crisis in Europe are influencing the development of educational policy transfer and borrowing, from East to West. This is contrasted with education reform movements in East Asia, which have long legacies of borrowing from so-called…

13 CFR 120.971 - Allowable fees paid by Borrower.

Code of Federal Regulations, 2012 CFR

2012-01-01

... Development Company Loan Program (504) Fees § 120.971 Allowable fees paid by Borrower. (a) CDC fees. The fees a CDC may charge the Borrower in connection with a 504 loan and Debenture are limited to the following: (1) Processing fee. The CDC may charge up to 1.5 percent of the net Debenture proceeds to process...

13 CFR 120.971 - Allowable fees paid by Borrower.

Code of Federal Regulations, 2014 CFR

2014-01-01

... Development Company Loan Program (504) Fees § 120.971 Allowable fees paid by Borrower. (a) CDC fees. The fees a CDC may charge the Borrower in connection with a 504 loan and Debenture are limited to the following: (1) Processing fee. The CDC may charge up to 1.5 percent of the net Debenture proceeds to process...

13 CFR 120.971 - Allowable fees paid by Borrower.

Code of Federal Regulations, 2011 CFR

2011-01-01

... Development Company Loan Program (504) Fees § 120.971 Allowable fees paid by Borrower. (a) CDC fees. The fees a CDC may charge the Borrower in connection with a 504 loan and Debenture are limited to the following: (1) Processing fee. The CDC may charge up to 1.5 percent of the net Debenture proceeds to process...

13 CFR 120.971 - Allowable fees paid by Borrower.

Code of Federal Regulations, 2010 CFR

2010-01-01

... Development Company Loan Program (504) Fees § 120.971 Allowable fees paid by Borrower. (a) CDC fees. The fees a CDC may charge the Borrower in connection with a 504 loan and Debenture are limited to the following: (1) Processing fee. The CDC may charge up to 1.5 percent of the net Debenture proceeds to process...

13 CFR 120.971 - Allowable fees paid by Borrower.

Code of Federal Regulations, 2013 CFR

2013-01-01

... Development Company Loan Program (504) Fees § 120.971 Allowable fees paid by Borrower. (a) CDC fees. The fees a CDC may charge the Borrower in connection with a 504 loan and Debenture are limited to the following: (1) Processing fee. The CDC may charge up to 1.5 percent of the net Debenture proceeds to process...

7 CFR 766.113 - Buyout of loan at current market value.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 7 2010-01-01 2010-01-01 false Buyout of loan at current market value. 766.113... Buyout of loan at current market value. (a) Borrower eligibility. A delinquent borrower may buy out the borrower's FLP loans at the current market value of the loan security, including security not in the...

13 CFR 120.712 - How does an Intermediary get a grant to assist Microloan borrowers?

Code of Federal Regulations, 2010 CFR

2010-01-01

... contribution. It may only use grant funds to provide Microloan borrowers with marketing, management, and... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false How does an Intermediary get a grant to assist Microloan borrowers? 120.712 Section 120.712 Business Credit and Assistance SMALL...

25 CFR 103.26 - What must the borrower supply the lender in its loan application?

Code of Federal Regulations, 2010 CFR

2010-04-01

... balance sheets and operating statements for the preceding 3 years, or so much of that period that the... projections for the borrower's business, consisting of pro-forma balance sheets, operating statements, and... life, and other kinds of insurance the borrower will maintain on its business assets and operations; (k...

Federal Student Loans: Better Oversight Could Improve Defaulted Loan Rehabilitation. Report to Congressional Requesters. GAO-14-256

ERIC Educational Resources Information Center

Emrey-Arras, Melissa

2014-01-01

The Department of Education (Education) relies on collection agencies to assist borrowers in rehabilitating defaulted student loans, which allows borrowers who make nine on-time monthly payments within 10 months to have the default removed from their credit reports. Education works with 22 collection agencies to locate borrowers and explain…

24 CFR 201.42 - Bankruptcy, insolvency or death of borrower.

Code of Federal Regulations, 2012 CFR

2012-04-01

... 24 Housing and Urban Development 2 2012-04-01 2012-04-01 false Bankruptcy, insolvency or death of..., insolvency or death of borrower. (a) Bankruptcy or insolvency. The lender shall file a proof of claim with... required) shall be retained in the loan file. (b) Death of a borrower. The lender shall file a proof of...

24 CFR 201.42 - Bankruptcy, insolvency or death of borrower.

Code of Federal Regulations, 2014 CFR

2014-04-01

... 24 Housing and Urban Development 2 2014-04-01 2014-04-01 false Bankruptcy, insolvency or death of..., insolvency or death of borrower. (a) Bankruptcy or insolvency. The lender shall file a proof of claim with... required) shall be retained in the loan file. (b) Death of a borrower. The lender shall file a proof of...

24 CFR 201.42 - Bankruptcy, insolvency or death of borrower.

Code of Federal Regulations, 2013 CFR

2013-04-01

... 24 Housing and Urban Development 2 2013-04-01 2013-04-01 false Bankruptcy, insolvency or death of..., insolvency or death of borrower. (a) Bankruptcy or insolvency. The lender shall file a proof of claim with... required) shall be retained in the loan file. (b) Death of a borrower. The lender shall file a proof of...

42 CFR 60.5 - Who is an eligible student borrower?

Code of Federal Regulations, 2010 CFR

2010-10-01

... EDUCATION ASSISTANCE LOAN PROGRAM The Borrower § 60.5 Who is an eligible student borrower? To receive a HEAL... accepted for enrollment at a HEAL school in a course of study that leads to one of the following degrees... Medicine or equivalent degree Bachelor or Master of Science in Pharmacy or equivalent degree Graduate or...

42 CFR 60.5 - Who is an eligible student borrower?

Code of Federal Regulations, 2011 CFR

2011-10-01

... EDUCATION ASSISTANCE LOAN PROGRAM The Borrower § 60.5 Who is an eligible student borrower? To receive a HEAL... accepted for enrollment at a HEAL school in a course of study that leads to one of the following degrees... Medicine or equivalent degree Bachelor or Master of Science in Pharmacy or equivalent degree Graduate or...

Factors That Affect Willingness to Borrow Student Loans among Community College Students

ERIC Educational Resources Information Center

Menges, Kathleen K.; Leonhard, Christoph

2016-01-01

Research suggests that student loan borrowing has increased at the community college level. This trend is worrisome to many, as research is inconclusive regarding whether loans are positively correlated with achieving a college degree. Many also contend that choosing not to borrow a student loan due to loan aversion can negatively impact a…

An update on Experimental and Clinical Psychopharmacology: Something old, something new, something borrowed, something green?

PubMed

Stoops, William W

2018-02-01

In this editorial, the author provides an update on Experimental and Clinical Psychopharmacology in several areas. First, the journal will continue to accept original research reports and full reviews as it has in past years. The author hopes to still receive outstanding manuscripts in the journal's primary areas of strength, such as clinical research on alcohol use and cigarette smoking. The journal will also continue to publish an annual special issue on a current topic in the field. Second, the journal now accepts brief communications, brief reviews, and case reports. The authors sees these new formats as opportunities to publish cutting edge, novel findings that may not be suitable as original research reports or full reviews-such work would previously not have fit with the journal. Third, the author has borrowed an idea from colleagues who serve as editors for other journals in the field: the addition of an editorial fellowship at Experimental and Clinical Psychopharmacology . Finally, the "something green" part of the title refers to the new, bright green cover color of the print version of the journal. (PsycINFO Database Record (c) 2018 APA, all rights reserved).

An Analysis of the Requirements for and the Costs and Benefits of the National Microwave Landing System (MLS). Volume I,

DTIC Science & Technology

1980-06-01

International MLS Market ........ ................. ... 2-82 2.11 Opinions about MLS from Aviation User Organizations ... ........ 2-91 CHAPTER 3 - Study...in its use. Until then, the existing ICAD category defintions are satisfactory for the comparison purposes of this study. LIMITATIONS OF THE ILS This...considered is r = 0.12; this represents the average estimated costs of borrowing funds in today’s conmercial money market . All private, non-FAA

26 CFR 1.465-8 - General rules; interest other than that of a creditor.

Code of Federal Regulations, 2010 CFR

2010-04-01

... borrowed with respect to an activity will not increase the borrower's amount at risk in the activity if the... activity of the corporation. Thus, amounts borrowed by a corporation from a shareholder may increase the..., amounts payable to A for use in that activity do not increase the partners' amount at risk even though the...

7 CFR 1951.265 - Application for subsequent loan, subordination, or consent to additional indebtedness from a...

Code of Federal Regulations, 2010 CFR

2010-01-01

... consent to additional indebtedness from a borrower who has been requested to graduate. 1951.265 Section... indebtedness from a borrower who has been requested to graduate. (a) Any borrower who appears to meet the local... ability or inability to graduate has been confirmed. An exception may be made where the proposed action is...

7 CFR 1951.265 - Application for subsequent loan, subordination, or consent to additional indebtedness from a...

Code of Federal Regulations, 2014 CFR

2014-01-01

... consent to additional indebtedness from a borrower who has been requested to graduate. 1951.265 Section... indebtedness from a borrower who has been requested to graduate. (a) Any borrower who appears to meet the local... ability or inability to graduate has been confirmed. An exception may be made where the proposed action is...

7 CFR 1951.265 - Application for subsequent loan, subordination, or consent to additional indebtedness from a...

Code of Federal Regulations, 2012 CFR

2012-01-01

... consent to additional indebtedness from a borrower who has been requested to graduate. 1951.265 Section... indebtedness from a borrower who has been requested to graduate. (a) Any borrower who appears to meet the local... ability or inability to graduate has been confirmed. An exception may be made where the proposed action is...

7 CFR 1951.265 - Application for subsequent loan, subordination, or consent to additional indebtedness from a...

Code of Federal Regulations, 2013 CFR

2013-01-01

... consent to additional indebtedness from a borrower who has been requested to graduate. 1951.265 Section... indebtedness from a borrower who has been requested to graduate. (a) Any borrower who appears to meet the local... ability or inability to graduate has been confirmed. An exception may be made where the proposed action is...

7 CFR 1951.265 - Application for subsequent loan, subordination, or consent to additional indebtedness from a...

Code of Federal Regulations, 2011 CFR

2011-01-01

... consent to additional indebtedness from a borrower who has been requested to graduate. 1951.265 Section... indebtedness from a borrower who has been requested to graduate. (a) Any borrower who appears to meet the local... ability or inability to graduate has been confirmed. An exception may be made where the proposed action is...

A Time to Every Purpose: Understanding and Improving the Borrower Experience with Online Student Loan Entrance Counseling. Research Report

ERIC Educational Resources Information Center

Fernandez, Chris

2015-01-01

Legally mandated student loan entrance counseling attempts to prepare first-time borrowers of federal student loans for this challenge; yet, researchers hypothesized that the online modules most borrowers use for this purpose have significant shortcomings. This report (the third in a series of five from TG Research) describes a study in which…

12 CFR 617.7015 - What happens to borrower rights when a loan is sold?

Code of Federal Regulations, 2014 CFR

2014-01-01

... subsequently sold, in whole or in part, to another qualified lender is subject to the borrower rights... February 10, 1996, and designated for sale into a secondary market at the time the loan was made. (2) Borrower rights apply to a loan designated for sale under paragraph (b)(1) of this section but not sold...

12 CFR 617.7015 - What happens to borrower rights when a loan is sold?

Code of Federal Regulations, 2012 CFR

2012-01-01

... subsequently sold, in whole or in part, to another qualified lender is subject to the borrower rights... February 10, 1996, and designated for sale into a secondary market at the time the loan was made. (2) Borrower rights apply to a loan designated for sale under paragraph (b)(1) of this section but not sold...

12 CFR 617.7015 - What happens to borrower rights when a loan is sold?

Code of Federal Regulations, 2011 CFR

2011-01-01

... subsequently sold, in whole or in part, to another qualified lender is subject to the borrower rights... February 10, 1996, and designated for sale into a secondary market at the time the loan was made. (2) Borrower rights apply to a loan designated for sale under paragraph (b)(1) of this section but not sold...

12 CFR 617.7015 - What happens to borrower rights when a loan is sold?

Code of Federal Regulations, 2010 CFR

2010-01-01

... subsequently sold, in whole or in part, to another qualified lender is subject to the borrower rights... February 10, 1996, and designated for sale into a secondary market at the time the loan was made. (2) Borrower rights apply to a loan designated for sale under paragraph (b)(1) of this section but not sold...

7 CFR 1786.168 - Borrowers who prepaid under this part prior to October 21, 1992.

Code of Federal Regulations, 2010 CFR

2010-01-01

... the date of enactment of Public Law 102-428 (106 Stat. 2183) on October 21, 1992, at a discount rate... INSURED LOANS TO ELECTRIC AND TELEPHONE BORROWERS Discounted Prepayments on RUS Electric Loans § 1786.168...) The amount (if any) by which the discount the borrower received by reason of the prepayment exceeds...

Sense of Loss, Belonging, and Storytelling: An Anglo-Indian Narrator in "The Borrowers"

ERIC Educational Resources Information Center

Kawabata, Ariko

2006-01-01

Mary Norton's "The Borrowers" has a complicated narrative framework, through which the story of the small people, the Borrowers, is told. Once we find that the embedded story is carefully set at the turn of the nineteenth century, parallels with Burnett's "The Secret Garden" are recognized, in which a lonely Anglo-Indian child experiences some…

7 CFR 3550.163 - Transfer of security and assumption of indebtedness.

Code of Federal Regulations, 2014 CFR

2014-01-01

... transfers: (i) A transfer from the borrower to a spouse or children not resulting from the death of the borrower. (ii) A transfer to a relative, joint tenant, or tenant by the entirety resulting from the death... deceased borrower at the time of death, if the dwelling will be occupied by one or more persons who were...

7 CFR 3550.163 - Transfer of security and assumption of indebtedness.

Code of Federal Regulations, 2011 CFR

2011-01-01

... transfers: (i) A transfer from the borrower to a spouse or children not resulting from the death of the borrower. (ii) A transfer to a relative, joint tenant, or tenant by the entirety resulting from the death... deceased borrower at the time of death, if the dwelling will be occupied by one or more persons who were...

From Passive to Proactive: Understanding and Improving the Borrower Experience with Online Student Loan Exit Counseling. Research Report

ERIC Educational Resources Information Center

Fernandez, Chris

2015-01-01

Legally mandated student loan exit counseling attempts to prepare borrowers of federal student loans for the repayment process; yet, researchers hypothesized that the online modules most borrowers use for this purpose have significant shortcomings. This report (the second in a series of five from TG Research) describes a study in which researchers…

Why Student Loans Are Different: Findings from Six Focus Groups of Student Loan Borrowers

ERIC Educational Resources Information Center

Delisle, Jason; Holt, Alexander

2015-01-01

For all the attention student loans have received in the media and from policymakers in recent years, there is still remarkably little information on why and how borrowers struggle to repay them. Rising college prices and debt levels explain some of the troubles borrowers have with their loans, as does a slow economic recovery that has caused…

Borrowing at the Maximum: Undergraduate Stafford Loan Borrowers in 2007-08. Stats in Brief. NCES 2012-161

ERIC Educational Resources Information Center

Wei, Christina Chang; Skomsvold, Paul

2011-01-01

Using data from the 2007-08 National Postsecondary Student Aid Study (NPSAS:08), this Statistics in Brief examines the extent to which undergraduate students borrow the maximum possible within the limits of the Stafford loan program (the program maximum) and their own financial need and student budgets (the individual maximum). Students who…

34 CFR 682.412 - Consequences of the failure of a borrower or student to establish eligibility.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 34 Education 3 2010-07-01 2010-07-01 false Consequences of the failure of a borrower or student to establish eligibility. 682.412 Section 682.412 Education Regulations of the Offices of the Department of... § 682.412 Consequences of the failure of a borrower or student to establish eligibility. (a) The lender...

Evaluation of the physical process controlling beach changes adjacent to nearshore dredge pits

USGS Publications Warehouse

Benedet, L.; List, J.H.

2008-01-01

Numerical modeling of a beach nourishment project is conducted to enable a detailed evaluation of the processes associated with the effects of nearshore dredge pits on nourishment evolution and formation of erosion hot spots. A process-based numerical model, Delft3D, is used for this purpose. The analysis is based on the modification of existing bathymetry to simulate "what if" scenarios with/without the bathymetric features of interest. Borrow pits dredged about 30??years ago to provide sand for the nourishment project have a significant influence on project performance and formation of erosional hot spots. It was found that the main processes controlling beach response to these offshore bathymetric features were feedbacks between wave forces (roller force or alongshore component of the radiation stress), pressure gradients due to differentials in wave set-up/set-down and bed shear stress. Modeling results also indicated that backfilling of selected borrow sites showed a net positive effect within the beach fill limits and caused a reduction in the magnitude of hot spot erosion. ?? 2008 Elsevier B.V. All rights reserved.

Toward a typology of health-related informal credit: an exploration of borrowing practices for paying for health care by the poor in Cambodia

PubMed Central

2012-01-01

Background Borrowing money is a common strategy to cope with health care costs. The impact of borrowing on households can be severe, leading to indebtedness and further impoverishment. However, the available literature on borrowing practices for health is limited. We explore borrowing practices for paying for health care by the poor in Cambodia and provide a typology, associated conditions, and the extent of the phenomenon. Methods In addition to a semi-structured literature review, in-depth interviews were conducted with representatives of 47 households with health-related debt and 19 managers of formal or informal credit schemes. Results A large proportion of Cambodians, especially the poor, resort to borrowing to meet the cost of health care. Because of limited cash flow and access to formal creditors, the majority take out loans with high interest rates from informal money lenders. The most common type of informal credit is locally known as Changkar and consists of five kinds of loans: short-term loans, medium-term loans, seasonal loans, loans for an unspecified period, and loans with repayment in labour, each with different lending and repayment conditions and interest rates. Conclusion This study suggests the importance of informal credit for coping with the cost of treatment and its potentially negative impact on the livelihood of Cambodian people. We provide directions for further studies on financial protection interventions to mitigate harmful borrowing practices to pay for health care in Cambodia. PMID:23134845