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

PubMed

Lorenz, Daniel S; Pontillo, Marisa

2012-11-01

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

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

PubMed

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

2015-02-01

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

Is There Evidence to Support a Forefoot Strike Pattern in Barefoot Runners? A Review

PubMed Central

Lorenz, Daniel S.; Pontillo, Marisa

2012-01-01

Context: Barefoot running is a trend among running enthusiasts that is the subject of much controversy. At this time, benefits appear to be more speculative and anecdotal than evidence based. Additionally, the risk of injuries is not well established. Evidence acquisition: A PubMed search was undertaken for articles published in English from 1980 to 2011. Additional references were accrued from reference lists of research articles. Results: While minimal data exist that definitively support barefoot running, there are data lending support to the argument that runners should use a forefoot strike pattern in lieu of a heel strike pattern to reduce ground reaction forces, ground contact time, and step length. Conclusions: Whether there is a positive or negative effect on injury has yet to be determined. Unquestionably, more research is needed before definitive conclusions can be drawn. PMID:24179586

75 FR 8772 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Order Approving...

Federal Register 2010, 2011, 2012, 2013, 2014

2010-02-25

... broker-customer relationship; or (5) the lending arrangement is based on a business relationship outside of the broker-customer relationship. In addition, with the exception of lending arrangements between... for a loan that is not the product of the broker- customer relationship would not vitiate the idea...

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

Federal Register 2010, 2011, 2012, 2013, 2014

2011-05-24

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

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

PubMed

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

2015-02-01

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

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

PubMed

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

2011-11-25

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

Does stress induce bowel dysfunction?

PubMed

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

2014-08-01

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

The In Vitro Antimicrobial Activity of Lavandula angustifolia Essential Oil in Combination with Other Aroma-Therapeutic Oils

PubMed Central

de Rapper, Stephanie; Kamatou, Guy; Viljoen, Alvaro

2013-01-01

The antimicrobial activity of Lavandula angustifolia essential oil was assessed in combination with 45 other oils to establish possible interactive properties. The composition of the selected essential oils was confirmed using GC-MS with a flame ionization detector. The microdilution minimum inhibitory concentration (MIC) assay was undertaken, whereby the fractional inhibitory concentration (ΣFIC) was calculated for the oil combinations. When lavender oil was assayed in 1 : 1 ratios with other oils, synergistic (26.7%), additive (48.9%), non-interactive (23.7%), and antagonistic (0.7%) interactions were observed. When investigating different ratios of the two oils in combination, the most favourable interactions were when L. angustifolia was combined with Cinnamomum zeylanicum or with Citrus sinensis, against C. albicans and S. aureus, respectively. In 1 : 1 ratios, 75.6% of the essential oils investigated showed either synergistic or additive results, lending in vitro credibility to the use of essential oil blends in aroma-therapeutic practices. Within the field of aromatherapy, essential oils are commonly employed in mixtures for the treatment of infectious diseases; however, very little evidence exists to support the use in combination. This study lends some credence to the concomitant use of essential oils blended with lavender. PMID:23737850

A decision support model for investment on P2P lending platform.

PubMed

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

2017-01-01

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

A decision support model for investment on P2P lending platform

PubMed Central

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

2017-01-01

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

Object-location memory in adults with autism spectrum disorder.

PubMed

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

2015-10-01

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

Feature conjunctions and auditory sensory memory.

PubMed

Sussman, E; Gomes, H; Nousak, J M; Ritter, W; Vaughan, H G

1998-05-18

This study sought to obtain additional evidence that transient auditory memory stores information about conjunctions of features on an automatic basis. The mismatch negativity of event-related potentials was employed because its operations are based on information that is stored in transient auditory memory. The mismatch negativity was found to be elicited by a tone that differed from standard tones in a combination of its perceived location and frequency. The result lends further support to the hypothesis that the system upon which the mismatch negativity relies processes stimuli in an holistic manner. Copyright 1998 Elsevier Science B.V.

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

PubMed Central

Johnston, Heidi Bart

2009-01-01

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

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

PubMed

Schurmann, Anna T; Johnston, Heidi Bart

2009-08-01

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

Academic Competitions.

ERIC Educational Resources Information Center

Marin County Office of Education, San Rafael, CA.

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

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

PubMed

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

2015-05-01

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

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

Code of Federal Regulations, 2012 CFR

2012-07-01

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

Acculturative dissonance, ethnic identity, and youth violence.

PubMed

Le, Thao N; Stockdale, Gary

2008-01-01

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

The Selective Use of Radiation Therapy in Rectal Cancer Patients.

PubMed

Martella, Andrew; Willett, Christopher; Palta, Manisha; Czito, Brian

2018-04-11

Colorectal cancer has a high global incidence, and standard treatment employs a multimodality approach. In addition to cure, minimizing treatment-related toxicity and improving the therapeutic ratio is a common goal. The following article addresses the potential of omitting radiotherapy in select rectal cancer patients. Omission of radiotherapy in rectal cancer is analyzed in the context of historical findings, as well as more recent data describing risk stratification of stage II-III disease, surgical optimization, imaging limitations, improvement in systemic chemotherapeutic agents, and contemporary studies evaluating selective omission of radiotherapy. A subset of rectal cancer patients exists that may be considered low to intermediate risk for locoregional recurrence. With appropriate staging, surgical technique, and possibly improved systemic therapy, it may be feasible to selectively omit radiotherapy in these patients. Current imaging limitations as well as evidence of increased locoregional recurrence following radiotherapy omission lend us to continue supporting the standard treatment of approach of neoadjuvant chemoradiation therapy followed by surgical resection until additional improvements and prospective evidence can support otherwise.

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

PubMed

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

2004-07-01

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

EBF3 Design and Sustainability Considerations

NASA Technical Reports Server (NTRS)

Taminger, Karen M. B.

2015-01-01

Electron beam freeform fabrication (EBF3) is a cross-cutting technology for producing structural metal parts using an electron beam and wire feed in a layer-additive fashion. This process was developed by researchers at NASA Langley to specifically address needs for aerospace applications. Additive manufacturing technologies like EBF3 enable efficient design of materials and structures by tailoring microstructures and chemistries at the local level to improve performance at the global level. Additive manufacturing also facilitates design freedom by integrating assemblies into complex single-piece components, eliminating flanges, fasteners and joints, resulting in reduced size and mass. These same efficiencies that permit new design paradigms also lend themselves to supportability and sustainability. Long duration space missions will require a high degree of self-sustainability. EBF3 is a candidate technology being developed to allow astronauts to conduct repairs and fabricate new components and tools on demand, with efficient use of feedstock materials and energy.

12 CFR 944.6 - Bank community support programs.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

12 CFR 1290.6 - Bank community support programs.

Code of Federal Regulations, 2014 CFR

2014-01-01

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

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

ERIC Educational Resources Information Center

Nordquist, Alice L.

2015-01-01

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

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

PubMed Central

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

2016-01-01

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

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

PubMed

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

2017-05-01

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

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

ERIC Educational Resources Information Center

Powell, Robat; Seaton, Nia

2007-01-01

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

Investigating the Effects of Exam Length on Performance and Cognitive Fatigue

PubMed Central

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

2013-01-01

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

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

ERIC Educational Resources Information Center

Baker, Dori; Edwards, Ned

2012-01-01

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

Detection of a late B star companion of the bright cluster giant C PUP equals HD 63032

NASA Astrophysics Data System (ADS)

Groote, D.; Reimers, D.

1983-03-01

IUE observations show that c Pup, the central bright K giant in the open cluster NGC 2451, has a blue companion. A fit of theoretical line blanketed model atmosphere fluxes to the observed energy distribution yields reddening E(B-V) = 0.15 (from λ2200 Å feature), an effective temperature Te = 10,200K, and an angular diameter θ = 0.060. If the companion is a main-sequence star, c Pup and its companion are located at a distance of 310 ± 50 pc which lends additional support to membership of c Pup in NGC 2451. The evolutionary status of c Pup is briefly discussed.

Dermatoglyphics, handedness, sex, and sexual orientation.

PubMed

Mustanski, Brian S; Bailey, J Michael; Kaspar, Sarah

2002-02-01

Both handedness and dermatoglyphic asymmetry reflect early, prenatal influences and both have been reported to be associated with male sexual orientation; handedness has been related to female sexual orientation as well. Neurohormonal and developmental perturbation are two competing hypothesis that attempt to explain these connections. We attempted to replicate these associations and to extend dermatoglyphic asymmetry findings to women. Dermatoglyphic directional asymmetry and fluctuating asymmetry were unrelated to sexual orientation. Homosexual women, but not homosexual men, had highly significant increases in non-right-handedness compared with same-sex heterosexual controls. Although this pattern of results does not allow resolution of the two competing models, it does lend additional support to a biological basis of sexual orientation.

No Acid Required: 4π and 6π Electrocyclization Reactions of Dienyl Diketones for the Synthesis of Cyclopentenones and 2H-Pyrans

PubMed Central

2015-01-01

The 1,6-conjugate addition of nucleophiles to dienyl diketones produces either cyclopentenone or 2H-pyran products with high selectivity through either Nazarov (4π) or 6π electrocyclization, respectively. The outcome of the reaction is dependent upon the nature of the nucleophile used. Nucleophiles that are anionic or easily deprotonated exclusively produce cyclopentenones via Nazarov cyclization, whereas the neutral nucleophile DABCO promotes 6π cyclization to afford 2H-pyrans. Experimental evidence is presented for both retro-4π and -6π electrocyclization in these systems, lending support to the bifurcated mechanistic hypothesis proposed for these cyclizations. PMID:25325706

Building Resilience After School for Early Adolescents in Urban Poverty: Open Trial of Leaders @ Play.

PubMed

Frazier, Stacy L; Dinizulu, Sonya Mathies; Rusch, Dana; Boustani, Maya M; Mehta, Tara G; Reitz, Kristin

2015-11-01

Leaders @ Play is a park after-school program for urban middle school youth designed to leverage recreational activities for social emotional learning. Mental health and park staff co-facilitated sports and games to teach and practice problem solving, emotion regulation, and effective communication. Additional practice occurred during multi-family groups and summer internships as junior camp counselors. We examined feasibility and promise via an open trial (n = 3 parks, 46 youth, 100 % African American, 100 % low-income, 59 % female, M = 13.09 years old). Improvements in social skills and reductions in problem behaviors lend support to after school programs as a space for mental health promotion.

12 CFR 195.22 - Lending test.

Code of Federal Regulations, 2012 CFR

2012-01-01

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

Physical Symptoms, Perceived Social Support, and Affect in Adolescents with Cancer

PubMed Central

WESLEY, KIMBERLY M.; ZELIKOVSKY, NATALIYA; SCHWARTZ, LISA A.

2015-01-01

Treatment for cancer among adolescents is often more intense and lasts longer than treatment for older or younger patients. It typically causes pain, fatigue, and nausea and affects social and emotional well-being. This study examined the relationships among demographics, physical symptoms, perceived social support from friends and family, and affect (positive and negative) in 102 adolescents (age 13–19) with cancer using correlational analyses. Additionally, perceived social support was explored as a mediator and moderator of the relationship between physical symptoms and affect using regression. Females reported significantly lower friend support and higher negative affect compared to males. Minority participants were more likely to endorse physical symptoms and less negative affect compared to White respondents. Higher report of physical symptoms was significantly related to greater negative affect, whereas higher perceived social support from friends was related to higher positive affect. Adolescents consistently reported high levels of social support from family and friends. Additionally, adolescents tended to report average levels of positive affect and low levels of negative affect compared to healthy populations. No significant mediation or moderation effects were found. This research highlights that females and minorities, and those with greater physical symptoms, may be more vulnerable to poor adjustment to cancer during adolescence. However, overall this study lends support to the notion that adolescents with cancer are an especially resilient population, as these patients endorsed generally high levels of social support and positive affect, with low levels of negative affect. PMID:23844924

12 CFR 345.22 - Lending test.

Code of Federal Regulations, 2011 CFR

2011-01-01

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

12 CFR 345.22 - Lending test.

Code of Federal Regulations, 2012 CFR

2012-01-01

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

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

Code of Federal Regulations, 2011 CFR

2011-01-01

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

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

Code of Federal Regulations, 2013 CFR

2013-01-01

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

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

Code of Federal Regulations, 2012 CFR

2012-01-01

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

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

Code of Federal Regulations, 2010 CFR

2010-01-01

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

Cumulative Disadvantage and Youth Well-Being: A Multi-Domain Examination with Life Course Implications

PubMed Central

Nurius, Paula S.; Prince, Dana M.; Rocha, Anita

2015-01-01

Purpose The accumulation of disadvantage has been shown to increase psychosocial stressors that impact life course well-being. This study tests for significant differences, based on disadvantage exposure, on youths’ emotional and physical health, as well as family supports, peer assets, and academic success, which hold potential for resilience and amelioration of negative health outcomes. Methods A 12 item cumulative disadvantage summed index derived from surveys of a racially and socioeconomically diverse sample of urban high school seniors (n=9,658) was used to distinguish youth at low, moderate, and high levels. Results Findings supported hypothesized stepped patterns such that as multiple disadvantages accumulate, a concomitant decline is evident across the assessed outcome variables (except positive academic identity). Post-hoc tests indicated a pattern of groups being significantly different from one another. Discussion Overall, results lend support for an additive stress load associated with stacked disadvantage, with implications for continuing trends into adulthood as well as preventive interventions PMID:26617431

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

ERIC Educational Resources Information Center

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

2016-01-01

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

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

Code of Federal Regulations, 2010 CFR

2010-01-01

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

12 CFR 560.93 - Lending limitations.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

Flux-Based Deadbeat Control of Induction-Motor Torque

NASA Technical Reports Server (NTRS)

Kenny, Barbara H.; Lorenz, Robert D.

2003-01-01

An improved method and prior methods of deadbeat direct torque control involve the use of pulse-width modulation (PWM) of applied voltages. The prior methods are based on the use of stator flux and stator current as state variables, leading to mathematical solutions of control equations in forms that do not lend themselves to clear visualization of solution spaces. In contrast, the use of rotor and stator fluxes as the state variables in the present improved method lends itself to graphical representations that aid in understanding possible solutions under various operating conditions. In addition, the present improved method incorporates the superposition of high-frequency carrier signals for use in a motor-self-sensing technique for estimating the rotor shaft angle at any speed (including low or even zero speed) without need for additional shaft-angle-measuring sensors.

12 CFR 365.2 - Real estate lending standards.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

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

Code of Federal Regulations, 2010 CFR

2010-01-01

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

Mirror, mirror on my Facebook wall: effects of exposure to Facebook on self-esteem.

PubMed

Gonzales, Amy L; Hancock, Jeffrey T

2011-01-01

Contrasting hypotheses were posed to test the effect of Facebook exposure on self-esteem. Objective Self-Awareness (OSA) from social psychology and the Hyperpersonal Model from computer-mediated communication were used to argue that Facebook would either diminish or enhance self-esteem respectively. The results revealed that, in contrast to previous work on OSA, becoming self-aware by viewing one's own Facebook profile enhances self-esteem rather than diminishes it. Participants that updated their profiles and viewed their own profiles during the experiment also reported greater self-esteem, which lends additional support to the Hyperpersonal Model. These findings suggest that selective self-presentation in digital media, which leads to intensified relationship formation, also influences impressions of the self.

Integrated Communications and Practitioners' Perceived Needs.

ERIC Educational Resources Information Center

Rose, Patricia B.; Miller, Debra A.

1993-01-01

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

Electronic Reserve--A Staff Development Opportunity.

ERIC Educational Resources Information Center

Smith, Robyn

1997-01-01

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

Successful School Downsizing.

ERIC Educational Resources Information Center

Raywid, Mary Anne

1997-01-01

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

12 CFR 34.62 - Real estate lending standards.

Code of Federal Regulations, 2014 CFR

2014-01-01

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

12 CFR 365.2 - Real estate lending standards.

Code of Federal Regulations, 2012 CFR

2012-01-01

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

12 CFR 365.2 - Real estate lending standards.

Code of Federal Regulations, 2014 CFR

2014-01-01

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

12 CFR 34.62 - Real estate lending standards.

Code of Federal Regulations, 2011 CFR

2011-01-01

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

12 CFR 365.2 - Real estate lending standards.

Code of Federal Regulations, 2011 CFR

2011-01-01

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

12 CFR 34.62 - Real estate lending standards.

Code of Federal Regulations, 2012 CFR

2012-01-01

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

12 CFR 365.2 - Real estate lending standards.

Code of Federal Regulations, 2013 CFR

2013-01-01

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

12 CFR 34.62 - Real estate lending standards.

Code of Federal Regulations, 2013 CFR

2013-01-01

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

12 CFR 614.4360 - Lending and leasing limit violations.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

12 CFR 34.62 - Real estate lending standards.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

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

Code of Federal Regulations, 2010 CFR

2010-01-01

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

12 CFR 563e.22 - Lending test.

Code of Federal Regulations, 2012 CFR

2012-01-01

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

12 CFR 563e.22 - Lending test.

Code of Federal Regulations, 2011 CFR

2011-01-01

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

12 CFR 563e.22 - Lending test.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

12 CFR 345.22 - Lending test.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

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

Code of Federal Regulations, 2013 CFR

2013-01-01

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

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

Code of Federal Regulations, 2014 CFR

2014-01-01

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

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

Code of Federal Regulations, 2012 CFR

2012-01-01

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

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

Code of Federal Regulations, 2010 CFR

2010-01-01

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

12 CFR 32.3 - Lending limits.

Code of Federal Regulations, 2010 CFR

2010-01-01

... warehouse having exclusive possession and control of the staples even though the grain elevator or warehouse... when the receipts are registered with an independent registrar whose consent is required before the... reliance on the maker with— (A) Records supporting the bank's independent credit analysis of the maker's...

Study Skills.

ERIC Educational Resources Information Center

Thomas, Anne

1993-01-01

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

The effects of visual stimulation and selective visual attention on rhythmic neuronal synchronization in macaque area V4.

PubMed

Fries, Pascal; Womelsdorf, Thilo; Oostenveld, Robert; Desimone, Robert

2008-04-30

Selective attention lends relevant sensory input priority access to higher-level brain areas and ultimately to behavior. Recent studies have suggested that those neurons in visual areas that are activated by an attended stimulus engage in enhanced gamma-band (30-70 Hz) synchronization compared with neurons activated by a distracter. Such precise synchronization could enhance the postsynaptic impact of cells carrying behaviorally relevant information. Previous studies have used the local field potential (LFP) power spectrum or spike-LFP coherence (SFC) to indirectly estimate spike synchronization. Here, we directly demonstrate zero-phase gamma-band coherence among spike trains of V4 neurons. This synchronization was particularly evident during visual stimulation and enhanced by selective attention, thus confirming the pattern inferred from LFP power and SFC. We therefore investigated the time course of LFP gamma-band power and found rapid dynamics consistent with interactions of top-down spatial and feature attention with bottom-up saliency. In addition to the modulation of synchronization during visual stimulation, selective attention significantly changed the prestimulus pattern of synchronization. Attention inside the receptive field of the recorded neuronal population enhanced gamma-band synchronization and strongly reduced alpha-band (9-11 Hz) synchronization in the prestimulus period. These results lend further support for a functional role of rhythmic neuronal synchronization in attentional stimulus selection.

77 FR 22625 - Intermediary Lending Pilot (ILP) Program

Federal Register 2010, 2011, 2012, 2013, 2014

2012-04-16

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

State Clean Energy Policies Analysis: State, Utility, and Municipal Loan Programs

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

Lantz, E.

2010-05-01

High initial costs can impede the deployment of clean energy technologies. Financing can reduce these costs. And, state, municipal, and utility-sponsored loan programs have emerged to fill the gap between clean energy technology financing needs and private sector lending. In general, public loan programs are more favorable to clean energy technologies than are those offered by traditional lending institutions; however, public loan programs address only the high up-front costs of clean energy systems, and the technology installed under these loan programs rarely supports clean energy production at levels that have a notable impact on the broader energy sector. This reportmore » discusses ways to increase the impact of these loan programs and suggests related policy design considerations.« less

78 FR 37930 - Lending Limits

Federal Register 2010, 2011, 2012, 2013, 2014

2013-06-25

... banks and savings associations with different options for measuring the credit exposures of derivative... additional option for measuring credit exposure of derivative transactions. The CEM is used under the Federal... credit'' to include certain credit exposures arising from derivative transactions, repurchase agreements...

Iraq: Reconstruction Assistance

DTIC Science & Technology

2007-11-15

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

Reassessment of hypnotic symptom removal by Freud and Bernheim.

PubMed

Ball, Thomas S

2006-10-01

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

Infected Peri-Pancreatic Necrosis Causing Gallbladder Necrosis by Direct Extension

PubMed Central

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

1993-01-01

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

Presentation Order Effects in Product Taste Tests.

ERIC Educational Resources Information Center

Dean, Michael L.

1980-01-01

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

77 FR 69738 - Truth in Lending (Regulation Z)

Federal Register 2010, 2011, 2012, 2013, 2014

2012-11-21

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

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

PubMed

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

1988-10-01

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

Children's affective reactions and coping under threat of missile attack: a semiprojective assessment procedure.

PubMed

Zeidner, M; Klingman, A; Itskowitz, R

1993-06-01

This study reports on 170 Israeli school children at risk for missile attack during the Persian Gulf War. The Bar-Ilan Picture Test for Children (Itskowitz & Strauss, 1982, 1986) was specially adapted to the war situation specifically to measure children's affective reactions and coping strategies. Children with a greater sense of control and social support, and more complex defenses, tended to demonstrate better coping strategies. Children who were less defensive showed higher levels of anxiety under stress. Children scoring higher in social support showed greater perceived control over their immediate environment and more verbal expressivity with respect to the crisis situation. Girls scored higher than boys on emotional and verbal expressiveness. These data, elicited through semiprojective procedures, are consistent with much of the prior research based mainly on objective scales or self-report questionnaires. Overall, the results lend additional validity to the nexus of relations (largely established through conventional objective scales) between resources, coping, and outcomes in a naturalistic stressor situation.

Invited Commentary: Indoor Tanning-A Melanoma Accelerator?

PubMed

Berwick, Marianne; Doré, Jean-François

2017-02-01

In this issue of the Journal, Ghiasvand et al. (Am J Epidemiol. 2017;185(3):147-156) present results from a longitudinal study of the association between indoor tanning and melanoma in a large cohort of Norwegian women. These new data further support previous findings on the damaging effects of tanning bed exposure on women, particularly young women. The authors present compelling evidence that early exposure to tanning beds advances the date of diagnosis of melanoma by at least 2 years. With a strong design and a large cohort followed for a mean of 13.7 years, this study lends additional support to previous evidence of the negative effects of tanning beds and provides further justification for stronger policy initiatives designed to reduce tanning bed use among young women. © The Author 2016. Published by Oxford University Press on behalf of the Johns Hopkins Bloomberg School of Public Health. All rights reserved. For permissions, please e-mail: journals.permissions@oup.com.

76 FR 35723 - Truth in Lending

Federal Register 2010, 2011, 2012, 2013, 2014

2011-06-20

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

77 FR 76841 - Lending Limits

Federal Register 2010, 2011, 2012, 2013, 2014

2012-12-31

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

7 CFR 1940.401 - Truth in lending.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

12 CFR 208.51 - Real estate lending standards.

Code of Federal Regulations, 2011 CFR

2011-01-01

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

12 CFR 208.51 - Real estate lending standards.

Code of Federal Regulations, 2014 CFR

2014-01-01

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

12 CFR 208.51 - Real estate lending standards.

Code of Federal Regulations, 2013 CFR

2013-01-01

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

12 CFR 208.51 - Real estate lending standards.

Code of Federal Regulations, 2012 CFR

2012-01-01

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

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

Federal Register 2010, 2011, 2012, 2013, 2014

2013-11-20

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

12 CFR 31.2 - Insider lending restrictions and reporting requirements.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

12 CFR 7.4008 - Lending.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

12 CFR 560.170 - Records for lending transactions.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

12 CFR 208.51 - Real estate lending standards.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

75 FR 80675 - Truth in Lending

Federal Register 2010, 2011, 2012, 2013, 2014

2010-12-23

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

12 CFR 613.3100 - Domestic lending.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

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

Code of Federal Regulations, 2010 CFR

2010-01-01

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

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

Code of Federal Regulations, 2010 CFR

2010-07-01

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

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

ERIC Educational Resources Information Center

Pasquino, Anne

1978-01-01

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

American Psychological Association: Annual Report, 2008

ERIC Educational Resources Information Center

American Psychologist, 2009

2009-01-01

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

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

ERIC Educational Resources Information Center

Solan, Harold A.

1990-01-01

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

Marijuana Use among Students and Peers.

ERIC Educational Resources Information Center

Griffin, Brenda S.; Griffin, Charles T.

1978-01-01

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

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

Federal Register 2010, 2011, 2012, 2013, 2014

2010-09-03

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

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

ERIC Educational Resources Information Center

Garland, Eric L.; Howard, Matthew Owen

2009-01-01

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

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

ERIC Educational Resources Information Center

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

2010-01-01

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

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

Code of Federal Regulations, 2010 CFR

2010-01-01

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

Workplace Discrimination and the Perception of Disability

ERIC Educational Resources Information Center

Draper, William R.

2012-01-01

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

TANGO1 assembles into rings around COPII coats at ER exit sites

PubMed Central

Pirozzi, Marinella; Zhang, Chong; Melville, David; Parashuraman, Seetharaman; Zimmermann, Timo

2017-01-01

TANGO1 (transport and Golgi organization 1) interacts with CTAGE5 and COPII components Sec23/Sec24 and recruits ERGIC-53 (endoplasmic reticulum [ER]–Golgi intermediate compartment 53)–containing membranes to generate a mega-transport carrier for export of collagens and apolipoproteins from the ER. We now show that TANGO1, at the ER, assembles in a ring that encircles COPII components. The C-terminal, proline-rich domains of TANGO1 molecules in the ring are initially tilted onto COPII coats but appear to be pushed apart as the carrier grows. These findings lend support to our suggestion that growth of transport carriers for exporting bulky cargoes requires addition of membranes and not simply COPII-mediated accretion of a larger surface of ER. TANGO1 remains at the neck of the newly forming transport carrier, which grows in size by addition of ERGIC-53–containing membranes to generate a transport intermediate for the export of bulky collagens. PMID:28280121

Recommending teams promotes prosocial lending in online microfinance

PubMed Central

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

2016-01-01

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

12 CFR 228.22 - Lending test.

Code of Federal Regulations, 2011 CFR

2011-01-01

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

12 CFR 25.22 - Lending test.

Code of Federal Regulations, 2012 CFR

2012-01-01

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

12 CFR 228.22 - Lending test.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

12 CFR 228.22 - Lending test.

Code of Federal Regulations, 2014 CFR

2014-01-01

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

12 CFR 228.22 - Lending test.

Code of Federal Regulations, 2012 CFR

2012-01-01

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

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

Code of Federal Regulations, 2014 CFR

2014-01-01

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

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

Code of Federal Regulations, 2013 CFR

2013-01-01

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

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

Code of Federal Regulations, 2012 CFR

2012-01-01

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

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

Code of Federal Regulations, 2010 CFR

2010-07-01

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

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

Code of Federal Regulations, 2010 CFR

2010-01-01

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

12 CFR 952.4 - Targeted Community Lending Plan

Code of Federal Regulations, 2010 CFR

2010-01-01

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

12 CFR 25.22 - Lending test.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

12 CFR 220.10 - Borrowing and lending securities.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

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

Code of Federal Regulations, 2010 CFR

2010-01-01

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

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

Federal Register 2010, 2011, 2012, 2013, 2014

2013-05-31

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

12 CFR 32.4 - Calculation of lending limits.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

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

PubMed

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

2007-11-01

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

78 FR 1652 - Semiannual Regulatory Agenda

Federal Register 2010, 2011, 2012, 2013, 2014

2013-01-08

... concerning small, women-owned, or minority-owned business lending. The CFPB has also inherited proposed rules... Regulation Z's current loan originator compensation provisions, including a new additional restriction on the... implements Dodd-Frank Act restrictions on mandatory arbitration and the financing of certain credit insurance...

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

PubMed

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

2015-01-01

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

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

ERIC Educational Resources Information Center

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

2012-01-01

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

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

Code of Federal Regulations, 2013 CFR

2013-01-01

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

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

Code of Federal Regulations, 2012 CFR

2012-01-01

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

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

Code of Federal Regulations, 2014 CFR

2014-01-01

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

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

Code of Federal Regulations, 2011 CFR

2011-01-01

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

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

Federal Register 2010, 2011, 2012, 2013, 2014

2012-02-13

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

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

Code of Federal Regulations, 2012 CFR

2012-01-01

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

Embedding the Teaching of Academic Writing into Anthropology Lectures

ERIC Educational Resources Information Center

Mostert, Linda Ann; Townsend, Rodwell

2018-01-01

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

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

ERIC Educational Resources Information Center

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

2014-01-01

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

78 FR 46247 - World Hepatitis Day, 2013

Federal Register 2010, 2011, 2012, 2013, 2014

2013-07-31

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

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

ERIC Educational Resources Information Center

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

2012-01-01

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

The Determinants of Child Health in Pakistan: An Economic Analysis

ERIC Educational Resources Information Center

Shehzad, Shafqat

2006-01-01

This paper estimates linear structural models using LISREL and employs MIMIC models to find out factors determining child health in Pakistan. A distinction has been made in permanent and transitory health states that lend support to Grossman's (1972) stock and flow concepts of health. The paper addresses the issue of health unobservability and…

Expanding the biological periodic table.

PubMed

Seravalli, Javier; Ragsdale, Stephen W

2010-08-27

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

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

ERIC Educational Resources Information Center

Solan, Harold A.

2004-01-01

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

A Cognitive Approach to Threshold Concepts

ERIC Educational Resources Information Center

Walker, Guy

2013-01-01

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

Opportunity Theory and Agricultural Crime Victimization

ERIC Educational Resources Information Center

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

2007-01-01

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

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

ERIC Educational Resources Information Center

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

2015-01-01

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

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

ERIC Educational Resources Information Center

Malik, Ranbir Singh

2015-01-01

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

A Content Analysis of Images of Novice Teacher Induction: First-Semester Themes

ERIC Educational Resources Information Center

Curry, Jennifer R.; Webb, Angela W.; Latham, Samantha J.

2016-01-01

The powerful nature of novice teachers' experiences in their first years of teaching has been well documented. However, the variance in novices' initial immersion in the school environment is largely dependent on perceived personal and professional support as well as the environmental inducements that lend to novice teachers' success in the…

An Analysis of Discrimination by Real Estate Brokers.

ERIC Educational Resources Information Center

Yinger, John

This paper focuses on designing policies to eliminate discrimination in the sale of single-family houses by analyzing the behavior of the agents who actually do most of the discriminating, namely real estate agents. Discriminatory practices are said to be supported by policies of house builders, lending institutions, and government, and by the…

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

PubMed

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

2009-04-01

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

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

PubMed

An, Jihoun; Hodge, Samuel R

2013-04-01

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

Activation volume for phosphorus diffusion in silicon and Si0.93Ge0.07

NASA Astrophysics Data System (ADS)

Zhao, Yuechao; Aziz, Michael J.; Zangenberg, Nikolaj R.; Larsen, Arne Nylandsted

2005-04-01

The hydrostatic pressure dependence of the diffusivity of P in compressively strained Si0.93Ge0.07 and unalloyed Si has been measured. In both cases the diffusivity is almost independent of pressure, characterized by an activation volume V* of (+0.09±0.11) times the atomic volume Ω for the unalloyed Si, and (+0.01±0.06) Ω for Si0.93Ge0.07. The results are used in conjunction with the reported effect of biaxial strain on diffusion normal to the surface to test the prediction for an interstitialcy-based mechanism of Aziz's phenomenological thermodynamic treatment of diffusion under uniform nonhydrostatic stress states. The prediction agrees well with measured behavior, lending additional credence to the interstitial-based mechanism and supporting the nonhydrostatic thermodynamic treatment.

Beliefs and expectations of family and nursing home care among Mexican-origin caregivers.

PubMed

Mendez-Luck, Carolyn A; Amorim, Clarice; Anthony, Katherine P; Neal, Margaret B

2017-01-01

This study examined perceptions of family care, nursing homes, and expectations of future care among 85 Mexican-origin women caregivers, some who lived in Mexico City and some who lived in East Los Angeles, California (East LA). Attitudes of Mexican-born women-living in Mexico City and in East LA-were more similar to each other than those of U.S.-born women. Most caregivers reported a preference for family care and had negative views of institutional care. In addition, despite the negative views about nursing homes, some caregivers expressed a willingness to seek nursing-home care for themselves so as to avoid burdening their children in the future. Findings lend support to the persistence of Mexican cultural values in this sample of Mexican-origin caregiving women, regardless of where they were born.

Mechanisms underlying perceptual learning of contrast detection in adults with anisometropic amblyopia

PubMed Central

Huang, Chang-Bing; Lu, Zhong-Lin; Zhou, Yifeng

2010-01-01

What underlies contrast sensitivity improvements in adults with anisometropic amblyopia following perceptual learning in grating contrast detection? In this paper, we adopted the external noise approach (Z.-L. Lu & B. A. Dosher, 1998) to identify the mechanisms underlying perceptual learning in adults with anisometropic amblyopia. By measuring contrast thresholds in a range of external noise conditions at two performance levels (79.3% and 70.7%), we found that a mixture of internal additive noise reduction and external noise exclusion underlay training induced contrast sensitivity improvements in adults with anisometropic amblyopia. In comparison, normal adults exhibited only small amount of external noise exclusion under the same training conditions. The results suggest that neural plasticity may be more robust in amblyopia, lending further support of perceptual learning as a potential treatment for adult amblyopia. PMID:20053087

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

PubMed

Hartwig, Jochen; Sturm, Jan-Egbert

2018-02-16

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

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

Federal Register 2010, 2011, 2012, 2013, 2014

2011-09-29

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

Can Adolescents Learn Self-control? Delay of Gratification in the Development of Control over Risk Taking

PubMed Central

Duckworth, Angela L.; Sznitman, Sharon; Park, Sunhee

2010-01-01

Recent findings from developmental neuroscience suggest that the adolescent brain is too immature to exert control over impulsive drives, such as sensation seeking, that increase during adolescence. Using a discounting of delayed reward paradigm, this research examines the ability to delay gratification as a potential source of control over risk-taking tendencies that increase during adolescence. In addition, it explores the role of experience resulting from risk taking as well as future time perspective as contributors to the development of this ability. In a nationally representative sample (n=900) of young people aged 14–22, a structural equation analysis shows that risk taking as assessed by use of three popular drugs (tobacco, marijuana, and alcohol) is inversely related to the ability to delay gratification. The relation is robust across gender, age, and different levels of sensation seeking. In addition, high sensation seekers exhibit dramatic age-related increase in delay of gratification, lending support to the hypothesis that engaging in risky behavior provides experience that leads to greater patience for long-term rewards. The findings support the conclusion that a complete understanding of the development of self-control must consider individual differences not easily explained by universal trends in brain maturation. PMID:20306298

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

PubMed Central

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

2014-01-01

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

Support and correlates of support for banning smoking in cars with children: findings from the ITC Four Country Survey*

PubMed Central

Fong, Geoffrey T.; Zanna, Mark P.; Hyland, Andrew; Bansal-Travers, Maansi

2011-01-01

Background: Since 2006, banning smoking in cars with children has become a rapidly growing tobacco control policy. However, to date, there have been few studies examining support and correlates of support for car smoking bans, and none of the existing studies have been international in nature. We conducted such a study among smokers in four countries. Methods: 6716 adult current smokers from the 2007 Wave of the International Tobacco Control Four Country Survey, a nationally representative, longitudinal cohort telephone survey of smokers in the USA, Canada, UK and Australia. Controlling for demographics, heaviness of smoking, smoking health knowledge/beliefs and quit intentions, we compared support and correlates of support for banning smoking in cars with children across the four countries. Results: The majority of smokers supported banning smoking in cars with children. Support was highest in Australia (83%), followed by the UK (75%) and Canada (74%); support was lower—but still high—in the USA (60%). Support was highest among smokers who: had stronger quit intentions, were lighter smokers, had lower education, had no children in the home, believed that cigarette smoke is dangerous to non-smokers and could cause asthma in children, and were concerned about modelling smoking to children. Conclusions: These findings indicate that a majority of smokers in the four countries support banning smoking in cars with children, and lend support to banning smoking in cars with children. Additionally, they suggest that support may be increased by educating smokers about the dangers of cigarette smoke exposure. PMID:20630910

Support and correlates of support for banning smoking in cars with children: findings from the ITC Four Country Survey.

PubMed

Hitchman, Sara C; Fong, Geoffrey T; Zanna, Mark P; Hyland, Andrew; Bansal-Travers, Maansi

2011-06-01

Since 2006, banning smoking in cars with children has become a rapidly growing tobacco control policy. However, to date, there have been few studies examining support and correlates of support for car smoking bans, and none of the existing studies have been international in nature. We conducted such a study among smokers in four countries. 6716 adult current smokers from the 2007 Wave of the International Tobacco Control Four Country Survey, a nationally representative, longitudinal cohort telephone survey of smokers in the USA, Canada, UK and Australia. Controlling for demographics, heaviness of smoking, smoking health knowledge/beliefs and quit intentions, we compared support and correlates of support for banning smoking in cars with children across the four countries. The majority of smokers supported banning smoking in cars with children. Support was highest in Australia (83%), followed by the UK (75%) and Canada (74%); support was lower-but still high-in the USA (60%). Support was highest among smokers who: had stronger quit intentions, were lighter smokers, had lower education, had no children in the home, believed that cigarette smoke is dangerous to non-smokers and could cause asthma in children, and were concerned about modelling smoking to children. These findings indicate that a majority of smokers in the four countries support banning smoking in cars with children, and lend support to banning smoking in cars with children. Additionally, they suggest that support may be increased by educating smokers about the dangers of cigarette smoke exposure.

76 FR 36586 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing of...

Federal Register 2010, 2011, 2012, 2013, 2014

2011-06-22

.../ securities lending; (ix) prime brokerage (services to other broker- dealers and financial institutions); (x... are provided via agreements with other financial institutions, and transactional information related... institutions.\\86\\ Additionally, the commenter points out that broker- dealers use exchanges and third-party...

Recreational Reading of International Students in Academic Libraries

ERIC Educational Resources Information Center

Bordonaro, Karen

2011-01-01

Recreational reading as a method of language learning has been a focus of investigation in second language education. This article considers recreational reading through the additional perspective of academic librarianship. Its purpose is to discover if recreational reading is a topic that lends itself to research through both perspectives. This…

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

Code of Federal Regulations, 2012 CFR

2012-07-01

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

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

Code of Federal Regulations, 2011 CFR

2011-07-01

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

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

Code of Federal Regulations, 2013 CFR

2013-07-01

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

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

Code of Federal Regulations, 2014 CFR

2014-07-01

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

Self-domestication in Homo sapiens: Insights from comparative genomics.

PubMed

Theofanopoulou, Constantina; Gastaldon, Simone; O'Rourke, Thomas; Samuels, Bridget D; Messner, Angela; Martins, Pedro Tiago; Delogu, Francesco; Alamri, Saleh; Boeckx, Cedric

2017-01-01

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

76 FR 18354 - Truth in Lending

Federal Register 2010, 2011, 2012, 2013, 2014

2011-04-04

...Effective July 21, 2011, the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) amends the Truth in Lending Act (TILA) by increasing the threshold for exempt consumer credit transactions from $25,000 to $50,000. In addition, the Dodd-Frank Act provides that, on or after December 31, 2011, this threshold must be adjusted annually by any annual percentage increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers. Accordingly, the Board is making corresponding amendments to Regulation Z, which implements TILA, and to the accompanying staff commentary. Because the Dodd-Frank Act also increases the Consumer Leasing Act's threshold for exempt consumer leases from $25,000 to $50,000, the Board is making similar amendments to Regulation M elsewhere in today's Federal Register.

75 FR 78636 - Truth in Lending

Federal Register 2010, 2011, 2012, 2013, 2014

2010-12-16

...Effective July 21, 2011, the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) amends the Truth in Lending Act (TILA) by increasing the threshold for exempt consumer credit transactions from $25,000 to $50,000. In addition, the Dodd-Frank Act provides that, on or after December 31, 2011, this threshold must be adjusted annually by any annual percentage increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers. Accordingly, the Board is proposing to make corresponding amendments to Regulation Z, which implements TILA, and to the accompanying staff commentary. Because the Dodd-Frank Act also increases the Consumer Leasing Act's threshold for exempt consumer leases from $25,000 to $50,000, the Board is proposing similar amendments to Regulation M elsewhere in today's Federal Register.

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

ERIC Educational Resources Information Center

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

2009-01-01

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

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

ERIC Educational Resources Information Center

White, Diana

2014-01-01

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

Analysis of K-factor for five-ply plywood

Treesearch

F.F. Wangarrd; George E. Woodson; William R. Wilcox

1973-01-01

K-factor has long been used as a modifier of section modulus in the calculation of bending moment for plywood beams. No comparable modification of moment of intertia is included in current recommendations for calculating plywood deflection at span-depth ratios of 30:1 or greater. Results of limited testing lend support to the authors' contention that, where "...

The anthropology of dementia: a narrative perspective.

PubMed

Randall, William L

2009-03-01

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

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

ERIC Educational Resources Information Center

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

2017-01-01

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

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

Treesearch

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

2005-01-01

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

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

PubMed

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

2015-05-01

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

Analysis of K-factor for five-ply plywood

Treesearch

F. F. Wangaard; G. E. Woodson; W. R. Wilcox

1973-01-01

K-factor has long been used as a modifier of section modulus in the calculation of bending moment for plywood beams. No comparable modification of moment ot inertia is included in current reoommendations for calculating plywood deflection at span-depth ratios of 30:1 or greater. Results of limited testing lend support to the authors' contention...

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

NASA Astrophysics Data System (ADS)

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

2014-12-01

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

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

PubMed

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

2013-01-01

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

Diffusion of innovations theory applied to global tobacco control treaty ratification.

PubMed

Valente, Thomas W; Dyal, Stephanie R; Chu, Kar-Hai; Wipfli, Heather; Fujimoto, Kayo

2015-11-01

This study applies diffusion of innovations theory to understand network influences on country ratification of an international health treaty, the Framework Convention for Tobacco Control (FCTC). From 2003 to 2014 approximately 90% of United Nations member countries ratified the FCTC. We hypothesized that communication between tobacco control advocates on GLOBALink, a 7000-member online communication forum in existence from 1992 to 2012, would be associated with the timing of treaty ratification. We further hypothesized dynamic network influences such that external influence decreased over time, internal influence increased over time, and the role of opinion leader countries varied over time. In addition we develop two concepts: Susceptibility and influence that uncover the micro-level dynamics of network influence. Statistical analyses lend support to the influence of co-subscriptions on GLOBALink providing a conduit for inter-country influences on treaty ratification and some support for the dynamic hypotheses. Analyses of susceptibility and infection indicated particularly influential countries. These results have implications for the study of policy diffusion as well as dynamic models of behavior change. Copyright © 2015 The Authors. Published by Elsevier Ltd.. All rights reserved.

77 FR 37265 - Lending Limits

Federal Register 2010, 2011, 2012, 2013, 2014

2012-06-21

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

78 FR 17766 - Interagency Guidance on Leveraged Lending

Federal Register 2010, 2011, 2012, 2013, 2014

2013-03-22

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

76 FR 28504 - Lending and Investment

Federal Register 2010, 2011, 2012, 2013, 2014

2011-05-17

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

76 FR 43385 - Lending and Investment

Federal Register 2010, 2011, 2012, 2013, 2014

2011-07-20

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

77 FR 19417 - Proposed Guidance on Leveraged Lending

Federal Register 2010, 2011, 2012, 2013, 2014

2012-03-30

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

12 CFR 704.7 - Lending.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

12 CFR 704.7 - Lending.

Code of Federal Regulations, 2012 CFR

2012-01-01

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

12 CFR 704.7 - Lending.

Code of Federal Regulations, 2011 CFR

2011-01-01

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

12 CFR 704.7 - Lending.

Code of Federal Regulations, 2013 CFR

2013-01-01

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

12 CFR 704.7 - Lending.

Code of Federal Regulations, 2014 CFR

2014-01-01

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

24 CFR 202.12 - Title II.

Code of Federal Regulations, 2010 CFR

2010-04-01

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

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

PubMed

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

2016-01-01

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

Intrinsic paleointensity bias and the long-term history of the geodynamo.

PubMed

Smirnov, Aleksey V; Kulakov, Evgeniy V; Foucher, Marine S; Bristol, Katie E

2017-02-01

Many geodynamo models predict an inverse relationship between geomagnetic reversal frequency and field strength. However, most of the absolute paleointensity data, obtained predominantly by the Thellier method from bulk volcanic rocks, fail to confirm this relationship. Although low paleointensities are commonly observed during periods of high reversal rate (notably, in the late Jurassic), higher than present-day intensity values are rare during periods of no or few reversals (superchrons). We have identified a fundamental mechanism that results in a pervasive and previously unrecognized low-field bias that affects most paleointensity data in the global database. Our results provide an explanation for the discordance between the experimental data and numerical models, and lend additional support to an inverse relationship between the reversal rate and field strength as a fundamental property of the geodynamo. We demonstrate that the accuracy of future paleointensity analyses can be improved by integration of the Thellier protocol with low-temperature demagnetizations.

Sea-quark distributions in the pion

NASA Astrophysics Data System (ADS)

Hwang, W.-Y. P.; Speth, J.

1992-05-01

Using Sullivan processes with ρππ, K*+K¯ 0π, and K¯ *0K+π vertices, we describe how the sea-quark distributions of a pion may be generated in a quantitative manner. The input valence-quark distributions are obtained using the leading Fock component of the light-cone wave function, which is in accord with results obtained from the QCD sum rules. The sample numerical results appear to be reasonable as far as the existing Drell-Yan production data are concerned, although the distributions as a function of x differs slightly from those obtained by imposing counting rules for x-->0 and x-->1. Our results lend additional support toward the conjecture of Hwang, Speth, and Brown that the sea distributions of a hadron, at low and moderate Q2 (at least up to a few GeV2), may be attributed primarily to generalized Sullivan processes.

Intrinsic paleointensity bias and the long-term history of the geodynamo

PubMed Central

Smirnov, Aleksey V.; Kulakov, Evgeniy V.; Foucher, Marine S.; Bristol, Katie E.

2017-01-01

Many geodynamo models predict an inverse relationship between geomagnetic reversal frequency and field strength. However, most of the absolute paleointensity data, obtained predominantly by the Thellier method from bulk volcanic rocks, fail to confirm this relationship. Although low paleointensities are commonly observed during periods of high reversal rate (notably, in the late Jurassic), higher than present-day intensity values are rare during periods of no or few reversals (superchrons). We have identified a fundamental mechanism that results in a pervasive and previously unrecognized low-field bias that affects most paleointensity data in the global database. Our results provide an explanation for the discordance between the experimental data and numerical models, and lend additional support to an inverse relationship between the reversal rate and field strength as a fundamental property of the geodynamo. We demonstrate that the accuracy of future paleointensity analyses can be improved by integration of the Thellier protocol with low-temperature demagnetizations. PMID:28246644

Stochastic Simulation of Actin Dynamics Reveals the Role of Annealing and Fragmentation

PubMed Central

Fass, Joseph; Pak, Chi; Bamburg, James; Mogilner, Alex

2008-01-01

Recent observations of F-actin dynamics call for theoretical models to interpret and understand the quantitative data. A number of existing models rely on simplifications and do not take into account F-actin fragmentation and annealing. We use Gillespie’s algorithm for stochastic simulations of the F-actin dynamics including fragmentation and annealing. The simulations vividly illustrate that fragmentation and annealing have little influence on the shape of the polymerization curve and on nucleotide profiles within filaments but drastically affect the F-actin length distribution, making it exponential. We find that recent surprising measurements of high length diffusivity at the critical concentration cannot be explained by fragmentation and annealing events unless both fragmentation rates and frequency of undetected fragmentation and annealing events are greater than previously thought. The simulations compare well with experimentally measured actin polymerization data and lend additional support to a number of existing theoretical models. PMID:18279896

Is renin a risk factor?

PubMed Central

Kirkendall, W. M.; Overturf, M. L.; Druilhet, R. E.

1981-01-01

1. These results show that elevated blood pressure and a hyperlipidemic diet exacerbate atherogenesis in the two kidney, one-clip hypertensive rabbit. Elevated PRA activity was not essential for the hypertension and did not exacerbate atherogenesis. 2. In addition, the experimentally induced, low renin state following DOC-saline did not result in a protective effect on cardiovascular lesions in rabbits fed an atherogenic diet when compared to normal renin controls. 3. Thus, in these experiments neither an increase in plasma renin accelerated atherogenesis, nor did a decrease in PRA slow the rate of production of atherosclerosis in the rabbit. 4. These observations lend no support to the thesis that renin is an independent risk factor when it is generated within the body in response to these stimuli. Indeed, it suggests that in this setting other factors, not PRA, are responsible for both hypertension in the two-kidney, one-clip rabbit and the arterial damage which occurs in this hypercholesterolemic model. PMID:7025426

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

PubMed Central

Gray, Meeghan E.

2008-01-01

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

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

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

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

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

Lending sociodynamics and economic instability

NASA Astrophysics Data System (ADS)

Hawkins, Raymond J.

2011-11-01

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

Unambiguous Spectral Evidence for High- (and Low-) Calcium Pyroxene in Asteroids and Meteorites

NASA Technical Reports Server (NTRS)

Sunshine, J. M.; Bus, S. J.; Burbine, T. H.; McCoy, T. J.; Binzel, R. P.

2002-01-01

Several new S-asteroid spectra are modeled and found to contain both low- and high-calcium pyroxenes. Similar results are obtained for spectra of eucrites. Their inferred mineralogy is very consistent with petrographic results, lending confidence to the asteroid analyses. Additional information is contained in the original extended abstract.

12 CFR 980.7 - Examinations; requests for additional information.

Code of Federal Regulations, 2011 CFR

2011-01-01

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

12 CFR 980.7 - Examinations; requests for additional information.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

Teaching Earth Science Using Hot Air Balloons

ERIC Educational Resources Information Center

Kuhl, James; Shaffer, Karen

2008-01-01

Constructing model hot air balloons is an activity that captures the imaginations of students, enabling teachers to present required content to minds that are open to receive it. Additionally, there are few activities that lend themselves to integrating so much content across subject areas. In this article, the authors describe how they have…

75 FR 37525 - Truth in Lending

Federal Register 2010, 2011, 2012, 2013, 2014

2010-06-29

..., the Board has determined that the proposed approach would not effectuate the purposes of the Credit... additional violation of the same type during the next six billing cycles. For example, if a consumer paid late during the January billing cycle, a $25 late payment fee could be imposed. If one of the next six...

13 CFR 120.474 - Relation to other actions.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Relation to other actions. 120.474 Section 120.474 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Lenders Small Business Lending Companies (sblc) § 120.474 Relation to other actions. In lieu of, or in addition to, the...

75 FR 81096 - Federal Home Loan Bank Housing Goals

Federal Register 2010, 2011, 2012, 2013, 2014

2010-12-27

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

75 FR 1672 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing of...

Federal Register 2010, 2011, 2012, 2013, 2014

2010-01-12

... personal relationship outside of the broker-customer relationship; or (5) the lending arrangement is based on a business relationship outside of the broker-customer relationship. In addition, with the... better rate or terms for a loan that is not the product of the broker- customer relationship would not...

Video Dubbing Projects in the Foreign Language Curriculum

ERIC Educational Resources Information Center

Burston, Jack

2005-01-01

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

13 CFR 120.474 - Relation to other actions.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 13 Business Credit and Assistance 1 2014-01-01 2014-01-01 false Relation to other actions. 120.474 Section 120.474 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Lenders Small Business Lending Companies (sblc) § 120.474 Relation to other actions. In lieu of, or in addition to, the...

13 CFR 120.474 - Relation to other actions.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 13 Business Credit and Assistance 1 2013-01-01 2013-01-01 false Relation to other actions. 120.474 Section 120.474 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Lenders Small Business Lending Companies (sblc) § 120.474 Relation to other actions. In lieu of, or in addition to, the...

13 CFR 120.474 - Relation to other actions.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 13 Business Credit and Assistance 1 2011-01-01 2011-01-01 false Relation to other actions. 120.474 Section 120.474 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Lenders Small Business Lending Companies (sblc) § 120.474 Relation to other actions. In lieu of, or in addition to, the...

13 CFR 120.474 - Relation to other actions.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 13 Business Credit and Assistance 1 2012-01-01 2012-01-01 false Relation to other actions. 120.474 Section 120.474 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Lenders Small Business Lending Companies (sblc) § 120.474 Relation to other actions. In lieu of, or in addition to, the...

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

PubMed

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

2006-03-01

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

Near-horizon conformal symmetry and black hole entropy.

PubMed

Carlip, S

2002-06-17

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

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

ERIC Educational Resources Information Center

World Bank, Washington, DC.

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

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

ERIC Educational Resources Information Center

Kennedy-Clark, Shannon

2013-01-01

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

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

ERIC Educational Resources Information Center

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

2016-01-01

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

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

ERIC Educational Resources Information Center

Breithaupt, Krista; Zumbo, Bruno D.

2002-01-01

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

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

ERIC Educational Resources Information Center

Kuvalja, Martina; Verma, Mohini; Whitebread, David

2014-01-01

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

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

ERIC Educational Resources Information Center

Ismail, Amid L.; And Others

1987-01-01

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

Funding the Pan American Materials Conference

DTIC Science & Technology

2015-06-01

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

An Analysis of the Evolution of Public Responsibility for Secondary Education in the Town of Madison, Connecticut, 1821-1922.

ERIC Educational Resources Information Center

Harder, Peter J.; Roberts, Arthur D.

The development of public secondary education in one New England town is analyzed in order to lend historical perspective to current educational reform movements. This historical review shows a lack of broad public support for public secondary schools in Madison, Connecticut. Early in the 19th century, private academies provided secondary…

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

Cancer.gov

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

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

ERIC Educational Resources Information Center

Liu, Dan

2013-01-01

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

12 CFR 560.101 - Real estate lending standards.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

Legal Aspects of Public Lending Right.

ERIC Educational Resources Information Center

Hyatt, Dennis

1981-01-01

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

13 CFR 120.931 - 504 Lending limits.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

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

Federal Register 2010, 2011, 2012, 2013, 2014

2013-09-13

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

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

Code of Federal Regulations, 2010 CFR

2010-01-01

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

12 CFR 211.12 - Lending limits and capital requirements.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

12 CFR 560.121 - Investment in State housing corporations.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

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

Federal Register 2010, 2011, 2012, 2013, 2014

2010-11-24

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

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

Federal Register 2010, 2011, 2012, 2013, 2014

2013-02-13

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

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

Federal Register 2010, 2011, 2012, 2013, 2014

2013-11-21

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

12 CFR 613.3200 - International lending.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

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

Federal Register 2010, 2011, 2012, 2013, 2014

2013-11-04

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

12 CFR 560.110 - Most favored lender usury preemption.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

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

Code of Federal Regulations, 2010 CFR

2010-01-01

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

75 FR 66553 - Truth in Lending

Federal Register 2010, 2011, 2012, 2013, 2014

2010-10-28

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

Communities respond to predatory lending.

PubMed

Caplan, Mary Ager

2014-04-01

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

Self-domestication in Homo sapiens: Insights from comparative genomics

PubMed Central

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

2017-01-01

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

Individual characteristics and the multiple contexts of adolescent bullying: an ecological perspective.

PubMed

Barboza, Gia Elise; Schiamberg, Lawrence B; Oehmke, James; Korzeniewski, Steven J; Post, Lori A; Heraux, Cedrick G

2009-01-01

This paper uses an ecological perspective to explore the risk factors associated with bullying behaviors among a representative sample of adolescents aged 11-14 (n = 9816; X = 12.88; s = .9814). Data derived from the Health Behavior in School Children: WHO Cross-National Survey were used to model the relationship between bullying and media effects, peer and family support systems, self-efficacy, and school environment. Overall, the results of this study suggest that bullying increases among children who watch television frequently, lack teacher support, have themselves been bullied, attend schools with unfavorable environments, have emotional support from their peers, and have teachers and parents who do not place high expectations on their school performance. In addition, we found an inverse relationship between being Asian or African American, feeling left out of school activities and bullying. Our results lend support to the contention that bullying arises out of deficits in social climate, but that social support systems mediate bullying behavior irrespective of the student's racial/ethnic characteristics, parental income levels or media influences. Because the number of friends and the ability to talk to these friends increases the likelihood of bullying, we suggest that bullying is not simply an individual response to a particular environment but is a peer-group behavior. We conclude that limiting television viewing hours, improving student's abilities to access family support systems and improving school atmospheres are potentially useful interventions to limit bullying behavior.

76 FR 40200 - Semiannual Regulatory Flexibility Agenda

Federal Register 2010, 2011, 2012, 2013, 2014

2011-07-07

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

12 CFR 34.61 - Purpose and scope.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

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

Code of Federal Regulations, 2012 CFR

2012-07-01

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

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

Code of Federal Regulations, 2013 CFR

2013-07-01

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

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

Code of Federal Regulations, 2011 CFR

2011-07-01

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

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

Code of Federal Regulations, 2010 CFR

2010-07-01

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

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

Code of Federal Regulations, 2014 CFR

2014-07-01

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

12 CFR 613.3005 - Lending objective.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

12 CFR 338.9 - Mortgage lending of a controlled entity.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

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

Code of Federal Regulations, 2011 CFR

2011-01-01

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

Lender Profitability in the Student Loan Program.

ERIC Educational Resources Information Center

Jenkins, Sarah

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

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

Code of Federal Regulations, 2011 CFR

2011-07-01

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

Determinants of Default in P2P Lending

PubMed Central

2015-01-01

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

Determinants of Default in P2P Lending.

PubMed

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

2015-01-01

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

Policy Incentives and the Extension of Mortgage Credit: Increasing Market Discipline for Subprime Lending

ERIC Educational Resources Information Center

An, Xudong; Bostic, Raphael W.

2009-01-01

The lax underwriting in non-prime mortgage markets is widely perceived as one cause of the recent difficulties in the housing market. Policymakers are currently considering moves such as enforcing more careful underwriting to provide additional discipline to mortgage markets. This research explores the possibility of another approach to supplement…

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

ERIC Educational Resources Information Center

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

2014-01-01

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

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

DTIC Science & Technology

1983-06-09

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

Dynamical behaviour in coronal loops

NASA Technical Reports Server (NTRS)

Haisch, Bernhard M.

1986-01-01

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

Dynamical behaviour in coronal loops

NASA Astrophysics Data System (ADS)

Haisch, Bernhard M.

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

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

DTIC Science & Technology

2009-04-01

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

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

PubMed Central

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

2018-01-01

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

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

PubMed

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

2018-01-01

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

The first suicides: a legacy inherited by parasitic protozoans from prokaryote ancestors.

PubMed

Taylor-Brown, Emilie; Hurd, Hilary

2013-04-18

It is more than 25 years since the first report that a protozoan parasite could die by a process resulting in a morphological phenotype akin to apoptosis. Since then these phenotypes have been observed in many unicellular parasites, including trypanosomatids and apicomplexans, and experimental evidence concerning the molecular pathways that are involved is growing. These observations support the view that this form of programmed cell death is an ancient one that predates the evolution of multicellularity. Here we review various hypotheses that attempt to explain the origin of apoptosis, and look for support for these hypotheses amongst the parasitic protists as, with the exception of yeast, most of the work on death mechanisms in unicellular organisms has focussed on them. We examine the role that addiction modules may have played in the original eukaryote cell and the part played by mitochondria in the execution of present day cells, looking for examples from Leishmania spp. Trypanosoma spp. and Plasmodium spp. In addition, the expanding knowledge of proteases, nucleases and other molecules acting in protist execution pathways has enabled comparisons to be made with extant Archaea and bacteria and with biochemical pathways that evolved in metazoans. These comparisons lend support to the original sin hypothesis but also suggest that present-day death pathways may have had multifaceted beginnings.

The first suicides: a legacy inherited by parasitic protozoans from prokaryote ancestors

PubMed Central

2013-01-01

It is more than 25 years since the first report that a protozoan parasite could die by a process resulting in a morphological phenotype akin to apoptosis. Since then these phenotypes have been observed in many unicellular parasites, including trypanosomatids and apicomplexans, and experimental evidence concerning the molecular pathways that are involved is growing. These observations support the view that this form of programmed cell death is an ancient one that predates the evolution of multicellularity. Here we review various hypotheses that attempt to explain the origin of apoptosis, and look for support for these hypotheses amongst the parasitic protists as, with the exception of yeast, most of the work on death mechanisms in unicellular organisms has focussed on them. We examine the role that addiction modules may have played in the original eukaryote cell and the part played by mitochondria in the execution of present day cells, looking for examples from Leishmania spp. Trypanosoma spp. and Plasmodium spp. In addition, the expanding knowledge of proteases, nucleases and other molecules acting in protist execution pathways has enabled comparisons to be made with extant Archaea and bacteria and with biochemical pathways that evolved in metazoans. These comparisons lend support to the original sin hypothesis but also suggest that present-day death pathways may have had multifaceted beginnings. PMID:23597031

ATM over hybrid fiber-coaxial cable networks: practical issues in deploying residential ATM services

NASA Astrophysics Data System (ADS)

Laubach, Mark

1996-11-01

Residential broadband access network technology based on asynchronous transfer modem (ATM) will soon reach commercial availability. The capabilities provided by ATM access network promise integrated services bandwidth available in excess of those provided by traditional twisted pair copper wire public telephone networks. ATM to the side of the home placed need quality of service capability closest to the subscriber allowing immediate support for Internet services and traditional voice telephony. Other services such as desktop video teleconferencing and enhanced server-based application support can be added as part of future evolution of the network. Additionally, advanced subscriber home networks can be supported easily. This paper presents an updated summary of the standardization efforts for the ATM over HFC definition work currently taking place in the ATM forum's residential broadband working group and the standards progress in the IEEE 802.14 cable TV media access control and physical protocol working group. This update is fundamental for establishing the foundation for delivering ATM-based integrated services via a cable TV network. An economic model for deploying multi-tiered services is presenting showing that a single-tier service is insufficient for a viable cable operator business. Finally, the use of an ATM based system lends itself well to various deployment scenarios of synchronous optical networks (SONET).

From Healing the Whole Person: An Argument for Therapeutic Touch as a Complement to Traditional Medical Practice

PubMed Central

Huff, Marlene B.; McClanahan, Kimberly K.; Omar, Hatim A.

2006-01-01

The growing popularity and use of therapeutic touch (TT) is an issue that has generated controversy and concern within the medical community. While anecdotal and traditional scientific evidence suggest that TT would be an advantageous addition for clinics and hospitals to include in their armamentarium of complementary interventions within the realm of traditional medicine, TT has not become widely available in the U.S. One reason for the lack of availability may be the dearth of conclusive scientific support for TT's efficacy and, therefore, its inclusion in clinic and hospital treatment planning would give it the appearance of legitimate practice, which it may not yet deserve. Whether or not deserved, if TT were added to hospital and clinic treatment protocols without substantial scientific support, it would be thought to have the implicit support of the scientific community, at which point the question of its efficacy would be moot in the minds of many people; thus patients would utilize it, because they believe it works rather than because it works. Since TT has not yet been scientifically proven as per Western standards, leaders of the health care community are likely wary of lending support to TT at this time. If TT can be found to be a scientifically sound therapeutic technique, then it will be more readily accepted in the health care community. This paper reviews TT. PMID:17370014

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

Code of Federal Regulations, 2011 CFR

2011-01-01

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

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

Code of Federal Regulations, 2010 CFR

2010-01-01

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

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

ERIC Educational Resources Information Center

Hamby, Rogan; McBride, Ray; Lundberg, Maria

2011-01-01

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

76 FR 35722 - Truth in Lending

Federal Register 2010, 2011, 2012, 2013, 2014

2011-06-20

...The Board is publishing a final rule amending the staff commentary that interprets the requirements of Regulation Z, which implements the Truth in Lending Act (TILA). Effective July 21, 2011, the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd- Frank Act) amends TILA by increasing the threshold for exempt consumer credit transactions from $25,000 to $50,000. In addition, the Dodd- Frank Act requires that this threshold be adjusted annually by any annual percentage increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W). Accordingly, based on the annual percentage increase in the CPI-W as of June 1, 2011, the Board is adjusting the exemption threshold from $50,000 to $51,800, effective January 1, 2012. Because the Dodd-Frank Act also requires similar adjustments in the Consumer Leasing Act's threshold for exempt consumer leases, the Board is making similar amendments to Regulation M elsewhere in today's Federal Register.

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

Code of Federal Regulations, 2011 CFR

2011-01-01

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

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

Code of Federal Regulations, 2013 CFR

2013-01-01

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

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

Code of Federal Regulations, 2012 CFR

2012-01-01

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

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

Code of Federal Regulations, 2010 CFR

2010-01-01

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

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

Code of Federal Regulations, 2014 CFR

2014-01-01

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

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

Code of Federal Regulations, 2010 CFR

2010-01-01

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

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

ERIC Educational Resources Information Center

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

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

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

Code of Federal Regulations, 2014 CFR

2014-01-01

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

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

Code of Federal Regulations, 2013 CFR

2013-01-01

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

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

PubMed

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

2016-12-01

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

Multidisciplinary Team Contributions Within a Dedicated Outpatient Palliative Radiotherapy Clinic: A Prospective Descriptive Study

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

Pituskin, Edith, E-mail: pituskin@ualberta.c; University of Alberta, Edmonton, AB; Fairchild, Alysa

Purpose: Patients with bone metastases may experience pain, fatigue, and decreased mobility. Multiple medications for analgesia are often required, each with attendant side effects. Although palliative-intent radiotherapy (RT) is effective in decreasing pain, additional supportive care interventions may be overlooked. Our objective was to describe the feasibility of multidisciplinary assessment of patients with symptomatic bone metastases attending a dedicated outpatient palliative RT clinic. Methods and Materials: Consecutive patients referred for RT for painful bone metastases were screened for symptoms and needs relevant to their medications, nutritional intake, activities of daily living, and psychosocial and spiritual concerns from January 1 tomore » December 31, 2007. Consultations by appropriate team members and resulting recommendations were collected prospectively. Patients who received RT were contacted by telephone 4 weeks later to assess symptom outcomes. Results: A total of 106 clinic visits by 82 individual patients occurred. As determined by screening form responses, the clinical Pharmacist, Occupational Therapist, Registered Dietician and Social Worker were consulted to provide assessments and recommendations within the time constraints presented by 1-day palliative RT delivery. In addition to pain relief, significant improvements in tiredness, depression, anxiety, drowsiness and overall well-being were reported at 4 weeks. Conclusions: Systematic screening of this population revealed previously unmet needs, addressed in the form of custom verbal and written recommendations. Multidisciplinary assessment is associated with a high number of recommendations and decreased symptom distress. Our findings lend strong support to the routine assessment by multiple supportive care professionals for patients with advanced cancer being considered for palliative RT.« less

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

NASA Astrophysics Data System (ADS)

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

2013-12-01

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

The Long and the Short of It: The Use of Short Films in the German Classroom

ERIC Educational Resources Information Center

Sundquist, John

2010-01-01

This article focuses on the benefits of using short film in the German classroom at the secondary or post-secondary level. The article addresses a number of characteristics of short films that lend themselves well to the classroom, including their abbreviated length, artistic innovation, and compact storytelling. In addition to discussing specific…

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

ERIC Educational Resources Information Center

Perry, Douglas

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

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

ERIC Educational Resources Information Center

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

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

Tellurium content of marine manganese oxides and other manganese oxides

USGS Publications Warehouse

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

1963-01-01

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

Convergent Synthesis and Structural Confirmation of Phellodonin and Sarcodonin ε

PubMed Central

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

2013-01-01

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

The phase model of burnout and employee turnover.

PubMed

Goodman, Eric A; Boss, R Wayne

2002-01-01

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

Sub-Saharan Africa Report

DTIC Science & Technology

1987-04-01

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

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

PubMed

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

1994-09-01

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

Vacuum quantum stress tensor fluctuations: A diagonalization approach

NASA Astrophysics Data System (ADS)

Schiappacasse, Enrico D.; Fewster, Christopher J.; Ford, L. H.

2018-01-01

Large vacuum fluctuations of a quantum stress tensor can be described by the asymptotic behavior of its probability distribution. Here we focus on stress tensor operators which have been averaged with a sampling function in time. The Minkowski vacuum state is not an eigenstate of the time-averaged operator, but can be expanded in terms of its eigenstates. We calculate the probability distribution and the cumulative probability distribution for obtaining a given value in a measurement of the time-averaged operator taken in the vacuum state. In these calculations, we study a specific operator that contributes to the stress-energy tensor of a massless scalar field in Minkowski spacetime, namely, the normal ordered square of the time derivative of the field. We analyze the rate of decrease of the tail of the probability distribution for different temporal sampling functions, such as compactly supported functions and the Lorentzian function. We find that the tails decrease relatively slowly, as exponentials of fractional powers, in agreement with previous work using the moments of the distribution. Our results lend additional support to the conclusion that large vacuum stress tensor fluctuations are more probable than large thermal fluctuations, and may have observable effects.

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

NASA Astrophysics Data System (ADS)

Wilkinson, Ellen M.

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

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

PubMed

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

2016-10-01

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

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

Code of Federal Regulations, 2010 CFR

2010-04-01

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

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

Code of Federal Regulations, 2011 CFR

2011-04-01

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

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

Code of Federal Regulations, 2013 CFR

2013-04-01

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

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

Code of Federal Regulations, 2012 CFR

2012-04-01

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

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

Code of Federal Regulations, 2014 CFR

2014-04-01

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

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

Code of Federal Regulations, 2010 CFR

2010-04-01

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

Endorsement of sexist ideology in Taiwan and the United States: social dominance orientation, right-wing authoritarianism, and deferential family norms.

PubMed

Lee, I-Ching

2013-01-01

Despite close relationships between men and women in daily lives, gender inequality is ubiquitous and often supported by sexist ideology. The understanding of potential bases of sexist ideology is thus important. According to Duckitt's dual-process model (2001), different worldviews may explain different types of sexist ideology. Individuals who hold a "competitive world" worldview tend to endorse group-based dominance. This lends itself to the endorsement of hostile sexism, because hostile sexism is an obvious form of male dominance. Conversely, individuals who hold a "dangerous world" worldview tend to adhere to social cohesion, collective security, and social traditions. This lends itself to the endorsement of benevolent sexism, because benevolent sexism values women who conform to gender norms. As predicted by Duckitt's model, research has shown that social dominance orientation, a general orientation towards the endorsement of group-based dominance, is closely associated with hostile sexism. Furthermore, right-wing authoritarianism, which measures adherence to social traditions, is closely associated with benevolent sexism. Due to the interdependent nature of gender relationships, the current research proposed that a relationship-based belief in hierarchy, deferential family norms, and norms depicting proper manners among family members should predict the endorsement of hostile and benevolent sexism, after controlling for social dominance orientation and right-wing authoritarianism. As predicted, according to student samples collected in Taiwan and the US, the endorsement of deferential family norms predicted the endorsement of hostile sexism and of benevolent sexism, respectively. In addition, among men and women, social dominance orientation predicted hostile sexism more strongly (as opposed to benevolent sexism), whereas right-wing authoritarianism predicted benevolent sexism more strongly (as opposed to hostile sexism). Implications regarding relationship norms, social dominance orientation, right-wing authoritarianism, and sexist ideology are discussed.

The Vertical Distribution of Buried Volatiles at the Moon revealed by Thermal and Epithermal Neutron Fluxes from LEND Observations

NASA Astrophysics Data System (ADS)

Chin, G.; Sagdeev, R.; Su, J. J.; Murray, J.; Livengood, T. A.

2015-12-01

Determining the quantity and vertical distribution of volatile species on and below the surface of planetary bodies is vital to understand the primordial chemical inventory and subsequent evolution of planets. Volatiles may provide resources to support future human exploration. This is particularly true for the Moon, which is well observed by many methods from ground-based, lunar orbit, and in situ, and is an accessible destination or way station for human exploration. We present Geant4 models of relative fluxes of Fast, Epithermal, and Thermal neutron emission generated in a planetary regolith by galactic cosmic rays to reveal the first 1-2 meters vertical structure of embedded hydrogen or water. Varying ratios of Thermal versus Epithermal, low-energy-Epithermal versus high-energy-Epithermal, and Thermal versus Fast neutron emissions are diagnostics of the depth in which hydrogen/water layers are buried within the top 1-2 meters of the regolith. In addition, we apply model calculations to Lunar Exploration Neutron Detector (LEND) thermal and epithermal data, acquired on the Lunar Reconnaissance Orbiter (LRO), in specific regions of the Moon to retrieve the vertical distribution of buried ice from the remote sensing information. GEANT4 is a set of particle physics transport simulation codes that exploits object-oriented software methods to deliver a comprehensive and flexible toolkit that is modular and extensible, based on a free open-source development model. GEANT4 has become a standard tool to simulate applications as diverse as particle telescope and detector response, space radiation shielding and optimization, total ionizing dose in spacecraft components, and biological effects of radiation.

Electrophysiological evidence for phenomenal consciousness.

PubMed

Revonsuo, Antti; Koivisto, Mika

2010-09-01

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

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

NASA Astrophysics Data System (ADS)

Ita, Asuquo Akabom

2012-11-01

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

Object relations and differential treatment response to methadone maintenance.

PubMed

Nicholson, B; Treece, C

1981-07-01

The authors report results from a psychiatric study of narcotic addicts in which the relationship between specified aspects of object relations development and treatment response to methadone maintenance was examined. Two groups were defined as high and low drug users (in addition to the prescribed methadone dose) depending upon the frequency and intensity of additional drug use; a middle group was excluded. Thirty subjects participated. The dimensions of separation/individuation, narcissistic development, and self and object representations were measured by 12 scaled variables; scores of the high and low drug users were compared by t-test. In all cases, the high use group was found to be more impaired than the low use group. However, the dimensions differed greatly in their ability to differentiate the groups. The strongest group differences were found in the area of narcissistic development, with the high user group significantly more impaired than the low user group. The strength of these findings lends empirical support to the notion that an addict population can be differentiated on diagnostic and ego psychological measures. This has important implications for methadone maintenance treatment programs, and, possibly, for drug programs in general.

Motor cortex embeds muscle-like commands in an untangled population response

PubMed Central

Russo, Abigail A.; Bittner, Sean R.; Perkins, Sean M.; Seely, Jeffrey S.; London, Brian M.; Lara, Antonio H.; Miri, Andrew; Marshall, Najja J.; Kohn, Adam; Jessell, Thomas M.; Abbott, Laurence F.; Cunningham, John P.; Churchland, Mark M.

2018-01-01

Summary Primate motor cortex projects to spinal interneurons and motor neurons, suggesting that motor cortex activity may be dominated by muscle-like commands. Extensive observations during reaching lend support to this view, but evidence remains ambiguous and much-debated. To provide a different perspective, we employed a novel behavioral paradigm that affords extensive comparison between time-evolving neural and muscle activity. We found that single motor cortex neurons displayed many muscle-like properties, but the structure of population activity was not muscle-like. Unlike muscle activity, neural activity was structured to avoid ‘tangling’: moments where similar activity patterns led to dissimilar future patterns. Avoidance of tangling was present across tasks and species. Network models revealed a potential reason for this consistent feature: low tangling confers noise robustness. Finally, we were able to predict motor cortex activity from muscle activity alone, by leveraging the hypothesis that muscle-like commands are embedded in additional structure that yields low tangling. PMID:29398358

Atmospheric scintillation at Dome C, Antarctica: implications for photometry and astrometry

NASA Astrophysics Data System (ADS)

Kenyon, S.; Lawrence, J.; Ashley, M. C. B.; Storey, J. W. V.; Tokovinin, A.; Fossat, E.

2006-08-01

Night-time turbulence profiles of the atmosphere above Dome C, Antarctica, were measured during 2004, using a MASS instrument. We compare this data with turbulence profiles above Cerro Tololo and Cerro Pachon, also measured with a MASS, and find, with the exception of the owest layer, that Dome C has significantly less turbulence. In addition, the integrated at turbulence 16 km above Dome C is always less than the median values at the two Chilean sites. Using average wind speed profiles, we assess the photometric noise produced by scintillation, and the atmospheric contribution to the error budget in narrow angle differential astrometry. In comparison with the two mid-latitude sites in Chile, Dome C offers a potential gain of about 3.6 in both photometric precision (for long integrations) and narrow-angle astrometry precision. Although the data from Dome C cover a fairly limited time frame, they lend strong support to expectations that Dome C will offer significant advantages for photometric and astrometric studies.

Interactional synchrony and the origins of infant-mother attachment: a replication study.

PubMed

Isabella, R A; Belsky, J

1991-04-01

This study sought to replicate previous work in testing the hypothesis that interactions of dyads developing secure attachment relationships would be characterized by disproportionately synchronous and those of dyads developing insecure relationships by disproportionately asynchronous exchanges. Additionally, a priori hypotheses were tested regarding expected differences in the interactional histories of dyads developing insecure-avoidant and insecure-resistant attachments. Results supported the study's predictions in all cases. Dyads developing secure attachments were observed at 3 and 9 months to interact in a disproportionately well-timed, reciprocal, and mutually rewarding manner; dyads developing insecure relationships were disproportionately characterized by interactions in which mothers were minimally involved, unresponsive to infant signals, or intrusive. Within the insecure group, as predicted, 3- and 9-month interactions of avoidant dyads were characterized by maternal intrusiveness and overstimulation; resistant dyads were characterized at both ages by poorly coordinated interactions in which mothers were underinvolved and inconsistent. These findings are discussed as they lend to a growing body of evidence concerning associations between differential interactional histories and attachment quality.

Response of the microwave-induced cyclotron harmonic resistance spike to an in-plane magnetic field

NASA Astrophysics Data System (ADS)

Dai, Yanhua; Stone, Kristjan; Knez, Ivan; Zhang, Chi; Du, R. R.; Yang, Changli; Pfeiffer, L. N.; West, K. W.

2011-12-01

Microwave-induced resistance oscillations (MIROs) have been commonly observed in high-mobility GaAs/AlGaAs two-dimensional electron systems (2DESs) under microwave irradiation. In ultraclean GaAs/AlGaAs quantum wells, we have recently observed a very large resistance spike at the second harmonic of cyclotron resonance. In order to elucidate its origin, we have studied the response of microwave photoresistances in a two-axis magnetic field configuration, where the perpendicular (Bz) and the in-plane (Bx) components can be independently applied to the sample. The experiments reveal a distinctive response of the spike to the Bx compared with that of the MIROs. While the major MIRO peaks show an increasing phase shift toward a quarter period in increasing Bx, the spike position shows an essentially zero shift. This finding lends additional support for the notion that the spike is a unique effect in the microwave-driven 2DES.

Factor structure of the Edinburgh Handedness Inventory versus the Fazio Laterality Inventory in a population with established atypical handedness.

PubMed

Fazio, Rachel L; Cantor, James M

2015-01-01

The Edinburgh Handedness Inventory (EHI) has consistently remained the most used handedness inventory despite its limitations. The psychometric properties of handedness inventories, however, are increasingly important due to their use in matching groups for neuroimaging research. This study compared the performance of the EHI and the Fazio Laterality Inventory (FLI) in a population with atypical handedness. Whereas the EHI demonstrated a single-factor loading in this population, the FLI's previously demonstrated single factor dissociated into two factors: fine motor/ballistic movements and expressive/instrumental movements. This dissociation is similar to that seen when tests of cognitive constructs--which tend to load on a single factor in intact populations--dissociate when administered to populations with difficulties in the assessed domain. This pattern of performance lends further support for the use of the FLI to more accurately assess handedness. Future research in other populations with atypical laterality may illuminate additional factors of the FLI.

Surgical skill acquisition with self-directed practice using computer-based video training.

PubMed

Jowett, Nathan; LeBlanc, Vicki; Xeroulis, George; MacRae, Helen; Dubrowski, Adam

2007-02-01

Computer-based video training (CBVT) provides flexible opportunities for surgical trainees to learn fundamental technical skills, but may be ineffective in self-directed practice settings because of poor trainee self-assessment. This study examined whether CBVT is effective in a self-directed learning environment among novice trainees. Thirty novice trainees used CBVT to learn the 1-handed square knot while self-assessing their proficiency every 3 minutes. On reaching self-assessed skill proficiency, trainees were randomized to either cease practice or to complete additional practice. Performance was evaluated with computer and expert-based measures during practice and on pretests, posttests, and 1-week retention tests. Analyses revealed performance improvements for both groups (all P < .05), but no differences between the 2 groups (all P > .05) on all tests. CBVT for the 1-handed square knot is effective in a self-directed learning environment among novices. This lends support to the implementation of self-directed digital media-based learning within surgical curricula.

How Do Meaning in Life and Positive Affect Relate to Adaptation to Stress? The Case of Firefighters Following the Mount Carmel Forest Fire.

PubMed

Shrira, Amit; Shmotkin, Dov; Palgi, Yuval; Soffer, Yechiel; Hamama Raz, Yaira; Tal-Katz, Patricia; Ben-Ezra, Menachem; Benight, Charles C

2015-01-01

We examined how positive affect (PA) and meaning in life (MIL) conjointly regulate posttraumatic stress disorder (PTSD) symptoms and perceived coping self-efficacy. Hypotheses were guided by a recent holistic model, according to which PA and MIL should compensate for each other in relating to adaptation to high stress. The sample included 75 Israeli firefighters who took active part in extinguishing the 2010 Mount Carmel forest fire. PA and MIL helped to compensate for the other, demonstrating that when one of them was low, the other related to higher adaptation. That is, under low MIL, PA related to PTSD symptoms and coping self-efficacy, and under low PA, MIL related to PTSD symptoms and coping self-efficacy. The study design was cross-sectional and therefore precluded any causal inferences. The findings lend additional support to the holistic model and help to understand how subjective well-being and MIL correlate with adaptation to stress.

Noise facilitation in associative memories of exponential capacity.

PubMed

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

2014-11-01

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

Ambivalent Sexism, Alcohol Use, and Intimate Partner Violence Perpetration.

PubMed

Renzetti, Claire M; Lynch, Kellie R; DeWall, C Nathan

2015-09-09

Research on risk factors for men's perpetration of intimate partner violence (IPV) has shown a high correlation with problem alcohol use. Additional studies, however, indicate that the alcohol-IPV link is neither simple nor necessarily direct and that a range of factors may moderate this relationship. Using a national, community-based sample of 255 men, the present study examined the moderating effects of ambivalent sexism (i.e., hostile and benevolent sexism) on the relationship between alcohol use and IPV perpetration. The findings show that both greater alcohol consumption and high hostile sexism are positively associated with IPV perpetration, and that hostile sexism moderates the alcohol-IPV relationship for perpetration of physical IPV, but not for psychological IPV. Moreover, high levels of alcohol consumption have a greater impact on physical IPV perpetration for men low in hostile sexism than for men high in hostile sexism, lending support to the multiple threshold model of the alcohol-IPV link. Implications of the findings for prevention, intervention, and future research are discussed. © The Author(s) 2015.

The future of tobacco product regulation and labelling in Europe: implications for the forthcoming European Union directive.

PubMed

Bates, C; McNeill, A; Jarvis, M; Gray, N

1999-01-01

The European Commission has announced that it is considering legislation concerning further restrictions on cigarette tar and nicotine yields, as well as new provisions to regulate additives and the labelling of tobacco products. This report considers these issues and their relation to public health. In particular, we argue that further reductions in tar and nicotine yields as measured by the International Standards Organisation/Federal Trade Commission (ISO/FTC) method will be largely cosmetic and certainly misleading to consumers. If a new directive uses the ISO/FTC methodology as a basis for regulation, it risks lending further official support to the concept of "low tar" cigarettes, which may be used by smokers as an alternative to smoking cessation. Although new regulations based on the ISO/FTC methodology may appear to offer health gains, these will be illusory and there may even be negative health consequences, as has been the case with these tests up to the present. We therefore make the following recommendations for the way forward.

Stem cells and aging from a quasi-immortal point of view.

PubMed

Boehm, Anna-Marei; Rosenstiel, Philip; Bosch, Thomas C G

2013-11-01

Understanding aging and how it affects an organism's lifespan is a fundamental problem in biology. A hallmark of aging is stem cell senescence, the decline of functionality, and number of somatic stem cells, resulting in an impaired regenerative capacity and reduced tissue function. In addition, aging is characterized by profound remodeling of the immune system and a quantitative decline of adequate immune responses, a phenomenon referred to as immune-senescence. Yet, what is causing stem cell and immune-senescence? This review discusses experimental studies of potentially immortal Hydra which have made contributions to answering this question. Hydra transcription factor FoxO has been shown to modulate both stem cell proliferation and innate immunity, lending strong support to a role of FoxO as critical rate-of-aging regulator from Hydra to human. Constructing a model of how FoxO responds to diverse environmental factors provides a framework for how stem cell factors might contribute to aging. © 2013 WILEY Periodicals, Inc.

THE ETIOLOGY OF ACUTE UPPER RESPIRATORY INFECTION (COMMON COLD)

PubMed Central

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

1931-01-01

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

Developmental parallels in understanding minds and bodies.

PubMed

Leslie, Alan M

2005-10-01

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

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

NASA Image and Video Library

2008-02-15

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

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

NASA Image and Video Library

2008-02-15

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

Do microfinance programs help families insure consumption against illness?

PubMed

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

2009-03-01

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

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

Code of Federal Regulations, 2013 CFR

2013-04-01

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

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

Code of Federal Regulations, 2012 CFR

2012-04-01

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

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

Code of Federal Regulations, 2011 CFR

2011-04-01

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

A QUANTITATIVE COMPARISON OF LUNAR ORBITAL NEUTRON DATA

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

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

2012-03-01

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

The Big-Fish-Little-Pond Effect for Academic Self-Concept, Test Anxiety, and School Grades in Gifted Children.

PubMed

Zeidner; Schleyer

1999-10-01

This study reports data extending work by Marsh and colleagues on the "big-fish-little-pond effect" (BFLPE). The BFLPE hypothesizes that it is better for academic self-concept to be a big fish in a little pond (gifted student in regular reference group) than to be a small fish in a big pond (gifted student in gifted reference group). The BFLPE effect was examined with respect to academic self-concept, test anxiety, and school grades in a sample of 1020 gifted Israeli children participating in two different educational programs: (a) special homogeneous classes for the gifted and (b) regular mixed-ability classes. The central hypothesis, deduced from social comparison and reference group theory, was that academically talented students enrolled in special gifted classes will perceive their academic ability and chances for academic success less favorably compared to students in regular mixed-ability classes. These negative self-perceptions, in turn, will serve to deflate students' academic self-concept, elevate their levels of evaluative anxiety, and result in depressed school grades. A path-analytic model linking reference group, academic self-concept, evaluative anxiety, and school performance, was employed to test this conceptualization. Overall, the data lend additional support to reference group theory, with the big-fish-little-pond effect supported for all three variables tested. In addition, academic self-concept and test anxiety were observed to mediate the effects of reference group on school grades. Copyright 1999 Academic Press.

The intersection of medical debt and predatory lending among hispanics.

PubMed

Gray, Karen A; Villegas, Susy

2012-01-01

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

Correlation of LEND and Diviner Data

NASA Technical Reports Server (NTRS)

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

Global Maps of Lunar Neutron Fluxes from the LEND Instrument

NASA Technical Reports Server (NTRS)

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

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

NASA Technical Reports Server (NTRS)

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

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

NASA Astrophysics Data System (ADS)

Struck, James

2011-09-01

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

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

DTIC Science & Technology

2006-08-09

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

Maps, Models and Data from Southeastern Great Basin PFA, Phase II Project

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

Nash, Greg

This submission includes composite risk segment models in raster format for permeability, heat of the earth, and MT, as well as the final PFA model of geothermal exploration risk in Southwestern Utah, USA. Additionally, this submission has data regarding hydrothermally altered areas, and opal sinter deposits in the study area. All of this information lends to the understanding and exploration for hidden geothermal systems in the area.

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

DTIC Science & Technology

1984-07-01

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

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

PubMed

Nemes, J

1992-02-24

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

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

DTIC Science & Technology

2009-06-01

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

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

PubMed

André, Charles; Rios, André Rangel

2015-12-01

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

75 FR 9093 - Extensions of Credit by Federal Reserve Banks

Federal Register 2010, 2011, 2012, 2013, 2014

2010-03-01

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

Neural Affective Mechanisms Predict Market-Level Microlending

PubMed Central

Genevsky, Alexander; Knutson, Brian

2015-01-01

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

76 FR 43111 - Regulation Z; Truth in Lending

Federal Register 2010, 2011, 2012, 2013, 2014

2011-07-20

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

The part-time student role: implications for the emotional experience of managing multiple roles amongst Hong Kong public health nurses.

PubMed

Shiu, A T

1999-04-01

The study investigated the contribution of the added part-time student role on the emotional experience of managing multiple roles of Hong Kong public health nurses (PHNs) who have children by comparing PHNs with and without the part-time student role. The research design employed the experience sampling method. Convenience sampling was used to recruit 20 subjects of which nine were undertaking part-time degree programmes. A watch was worn that gave a signal at six random times each day for 7 days to complete an experience sampling diary. PHNs on average responded to 34 signals (80%) and therefore completed 34 diaries, which collected data on work, college-work and family juggling and their effects on mood states. Results indicate that PHNs with an added part-time student role, although having fewer juggling occasions and higher emotional spouse support, had fewer family-related activities as well as a lower positive effect and a higher negative effect than PHNs without this role. These results suggest that taking up an added part-time student role creates additional role strain to nurses with children, and lend support to the argument that the stress of managing multiple roles is greatest and benefits least when work and non-work role responsibilities are both heavy.

Sons learn songs from their social fathers in a cooperatively breeding bird

PubMed Central

Greig, Emma I.; Taft, Benjamin N.; Pruett-Jones, Stephen

2012-01-01

Song learning is hypothesized to allow social adaptation to a local song neighbourhood. Maintaining social associations is particularly important in cooperative breeders, yet vocal learning in such species has only been assessed in systems where social association was correlated with relatedness. Thus, benefits of vocal learning as a means of maintaining social associations could not be disentangled from benefits of kin recognition. We assessed genetic and cultural contributions to song in a species where social association was not strongly correlated with kinship: the cooperatively breeding, reproductively promiscuous splendid fairy-wren (Malurus splendens). We found that song characters of socially associated father–son pairs were more strongly correlated (and thus songs were more similar) than songs of father–son pairs with a genetic, but no social, association (i.e. cuckolding fathers). Song transmission was, therefore, vertical and cultural, with minimal signatures of kinship. Additionally, song characters were not correlated with several phenotypic indicators of male quality, supporting the idea that there may be a tradeoff between accurate copying of tutors and quality signalling via maximizing song performance, particularly when social and genetic relationships are decoupled. Our results lend support to the hypothesis that song learning facilitates the maintenance of social associations by permitting unrelated individuals to acquire similar signal phenotypes. PMID:22593105

Sons learn songs from their social fathers in a cooperatively breeding bird.

PubMed

Greig, Emma I; Taft, Benjamin N; Pruett-Jones, Stephen

2012-08-22

Song learning is hypothesized to allow social adaptation to a local song neighbourhood. Maintaining social associations is particularly important in cooperative breeders, yet vocal learning in such species has only been assessed in systems where social association was correlated with relatedness. Thus, benefits of vocal learning as a means of maintaining social associations could not be disentangled from benefits of kin recognition. We assessed genetic and cultural contributions to song in a species where social association was not strongly correlated with kinship: the cooperatively breeding, reproductively promiscuous splendid fairy-wren (Malurus splendens). We found that song characters of socially associated father-son pairs were more strongly correlated (and thus songs were more similar) than songs of father-son pairs with a genetic, but no social, association (i.e. cuckolding fathers). Song transmission was, therefore, vertical and cultural, with minimal signatures of kinship. Additionally, song characters were not correlated with several phenotypic indicators of male quality, supporting the idea that there may be a tradeoff between accurate copying of tutors and quality signalling via maximizing song performance, particularly when social and genetic relationships are decoupled. Our results lend support to the hypothesis that song learning facilitates the maintenance of social associations by permitting unrelated individuals to acquire similar signal phenotypes.

Perception of emotional climate in a revolution: Test of a multistage theory of revolution in the Tunisian context.

PubMed

Rimé, Bernard; Yzerbyt, Vincent; Mahjoub, Abdelwahab

2017-12-01

Participation in social movements and collective action depends upon people's capacity to perceive their societal context. We examined this question in the context of Arab Spring revolutions. In a classic theory of revolution highlighting the role of collective emotions, Brinton (1938) claimed that revolutions, far from chaos, proceed in an orderly sequence involving four stages: euphoria, degradation, terror, and restoration. The emotional climate (EC) as perceived by ordinary Tunisian citizens (2,699 women and 3,816 men) was measured during the 4 years of the Tunisian revolution. A quadratic pattern of perceived EC measures over time provided strong support to Brinton's model. In addition, three different analyses suggested the presence of four distinct stages in the evolution of perceived EC. Third, the socio-political developments in Tunisia during the four stages proved entirely consistent with both Brinton's theoretical model and the perceived EC indicators. Finally, social identification proved closely related to the temporal evolution of positive EC scores. In sum, data from this study not only lend support to the views put forth in an heretofore untested classic theory of revolution but also demonstrate that psychosocial measurements can validly monitor a major process of socio-political transformation. © 2017 The British Psychological Society.

Complete mitochondrial genome sequences of three bats species and whole genome mitochondrial analyses reveal patterns of codon bias and lend support to a basal split in Chiroptera.

PubMed

Meganathan, P R; Pagan, Heidi J T; McCulloch, Eve S; Stevens, Richard D; Ray, David A

2012-01-15

Order Chiroptera is a unique group of mammals whose members have attained self-powered flight as their main mode of locomotion. Much speculation persists regarding bat evolution; however, lack of sufficient molecular data hampers evolutionary and conservation studies. Of ~1200 species, complete mitochondrial genome sequences are available for only eleven. Additional sequences should be generated if we are to resolve many questions concerning these fascinating mammals. Herein, we describe the complete mitochondrial genomes of three bats: Corynorhinus rafinesquii, Lasiurus borealis and Artibeus lituratus. We also compare the currently available mitochondrial genomes and analyze codon usage in Chiroptera. C. rafinesquii, L. borealis and A. lituratus mitochondrial genomes are 16438 bp, 17048 bp and 16709 bp, respectively. Genome organization and gene arrangements are similar to other bats. Phylogenetic analyses using complete mitochondrial genome sequences support previously established phylogenetic relationships and suggest utility in future studies focusing on the evolutionary aspects of these species. Comprehensive analyses of available bat mitochondrial genomes reveal distinct nucleotide patterns and synonymous codon preferences corresponding to different chiropteran families. These patterns suggest that mutational and selection forces are acting to different extents within Chiroptera and shape their mitochondrial genomes. Copyright © 2011 Elsevier B.V. All rights reserved.

Relationship between attributional style, perceived control, self-esteem, and depressive mood in a nonclinical sample: a structural equation-modelling approach.

PubMed

Ledrich, Julie; Gana, Kamel

2013-12-01

The aim of this study was to examine the intricate relationship between some personality traits (i.e., attributional style, perceived control over consequences, self-esteem), and depressive mood in a nonclinical sample (N= 334). Method. Structural equation modelling was used to estimate five competing models: two vulnerability models describing the effects of personality traits on depressive mood, one scar model describing the effects of depression on personality traits, a mixed model describing the effects of attributional style and perceived control over consequences on depressive mood, which in turn affects self-esteem, and a reciprocal model which is a non-recursive version of the mixed model that specifies bidirectional effects between depressive mood and self-esteem. The best-fitting model was the mixed model. Moreover, we observed a significant negative effect of depression on self-esteem, but no effect in the opposite direction. These findings provide supporting arguments against the continuum model of the relationship between self-esteem and depression, and lend substantial support to the scar model, which claims that depressive mood damages and erodes self-esteem. In addition, the 'depressogenic' nature of the pessimistic attributional style, and the 'antidepressant' nature of perceived control over consequences plead in favour of the vulnerability model. © 2012 The British Psychological Society.

Hans A. Bethe Prize: Cosmic Collisions Online - Compact Binary Mergers, Gravitational Waves and Gamma-Ray Bursts

NASA Astrophysics Data System (ADS)

Shapiro, Stuart

2017-01-01

Hans A. Bethe elucidated our understanding of the fundamental forces of Nature by exploring and explaining countless phenomena occurring in nuclear laboratories and in stars. With the dawn of gravitational wave astronomy we now can probe compact binary mergers - Nature's cosmic collision experiments - to deepen our understanding, especially where strong-field gravitation is involved. In addition to gravitational waves, some mergers are likely to generate observable electromagnetic and/or neutrino radiation, heralding a new era of multimessenger astronomy. Robust numerical algorithms now allow us to simulate these events in full general relativity on supercomputers. We will describe some recent magnetohydrodynamic simulations that show how binary black hole-neutron star and neutron star-neutron star mergers can launch jets, lending support to the idea that such mergers could be the engines that power short gamma-ray bursts. We will also show how the magnetorotational collapse of very massive stars to spinning black holes immersed in magnetized accretion disks can launch jets as well, reinforcing the belief that such ``collapsars'' are the progenitors of long gamma-ray bursts. Computer-generated movies highlighting some of these simulations will be shown. We gratefully acknowledge support from NSF Grants 1300903 and 1602536 and NASA Grant NNX13AH44G.

Physiological comparisons of plasma and tissue metrics of selected inland and coastal steelhead kelts.

USGS Publications Warehouse

Penney, Zachary L.; Moffitt, Christine M.; Jones, Bryan; Marston, Brian

2016-01-01

The physiological status of migrating steelhead kelts (Oncorhynchus mykiss) from the Situk River, Alaska, and two tributaries of the Clearwater River, Idaho, was evaluated to explore potential differences in post-spawning survival related to energy reserves. Blood plasma samples were analyzed for metrics related to nutritional and osmotic status, and samples of white muscle tissue collected from recent mortalities at weirs were analyzed for proximate constituents. Female kelts from the Situk River had significantly higher plasma cholesterol, triglycerides, glucose and calcium concentrations, all of which suggested higher lipid and energy stores. Additional support for energy limitation in kelts was provided by evaluating the presence of detectable proteins in the plasma. Most all kelts sampled from the Situk River populations had detectable plasma proteins, in contrast to kelts sampled from the Clearwater River tributary populations where 27 % of kelts from one tributary, and 68 % of the second tributary were below the limits of detection. We found proximate constituents of kelt mortalities were similar between the Situk and Clearwater River populations, and the lipid fraction of white muscle averaged 0.1 and 0.2 %. Our findings lend support to the hypothesis that energetic limitations likely affect post-spawn survival in the Clearwater River kelts.

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

NASA Technical Reports Server (NTRS)

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

1975-01-01

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

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

NASA Astrophysics Data System (ADS)

Cauda, Franco; Costa, Tommaso; Tamietto, Marco

2014-09-01

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

The effect of changing land use on soil radiocarbon

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

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

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

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

Cancer.gov

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

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

DTIC Science & Technology

2007-08-31

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

Using electron irradiation to probe iron-based superconductors

NASA Astrophysics Data System (ADS)

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

2018-06-01

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

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

Code of Federal Regulations, 2011 CFR

2011-01-01

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

Evidence for a twelfth large earthquake on the southern hayward fault in the past 1900 years

USGS Publications Warehouse

Lienkaemper, J.J.; Williams, P.L.; Guilderson, T.P.

2010-01-01

We present age and stratigraphic evidence for an additional paleoearthquake at the Tyson Lagoon site. The acquisition of 19 additional radiocarbon dates and the inclusion of this additional event has resolved a large age discrepancy in our earlier earthquake chronology. The age of event E10 was previously poorly constrained, thus increasing the uncertainty in the mean recurrence interval (RI), a critical factor in seismic hazard evaluation. Reinspection of many trench logs revealed substantial evidence suggesting that an additional earthquake occurred between E10 and E9 within unit u45. Strata in older u45 are faulted in the main fault zone and overlain by scarp colluviums in two locations.We conclude that an additional surfacerupturing event (E9.5) occurred between E9 and E10. Since 91 A.D. (??40 yr, 1??), 11 paleoearthquakes preceded the M 6:8 earthquake in 1868, yielding a mean RI of 161 ?? 65 yr (1??, standard deviation of recurrence intervals). However, the standard error of the mean (SEM) is well determined at ??10 yr. Since ~1300 A.D., the mean rate has increased slightly, but is indistinguishable from the overall rate within the uncertainties. Recurrence for the 12-event sequence seems fairly regular: the coefficient of variation is 0.40, and it yields a 30-yr earthquake probability of 29%. The apparent regularity in timing implied by this earthquake chronology lends support for the use of time-dependent renewal models rather than assuming a random process to forecast earthquakes, at least for the southern Hayward fault.

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

PubMed

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

2014-12-19

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

Antarctic analogs as a testbed for regenerative life support technologies

NASA Technical Reports Server (NTRS)

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

1991-01-01

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

Spared internal but impaired external reward prediction error signals in major depressive disorder during reinforcement learning.

PubMed

Bakic, Jasmina; Pourtois, Gilles; Jepma, Marieke; Duprat, Romain; De Raedt, Rudi; Baeken, Chris

2017-01-01

Major depressive disorder (MDD) creates debilitating effects on a wide range of cognitive functions, including reinforcement learning (RL). In this study, we sought to assess whether reward processing as such, or alternatively the complex interplay between motivation and reward might potentially account for the abnormal reward-based learning in MDD. A total of 35 treatment resistant MDD patients and 44 age matched healthy controls (HCs) performed a standard probabilistic learning task. RL was titrated using behavioral, computational modeling and event-related brain potentials (ERPs) data. MDD patients showed comparable learning rate compared to HCs. However, they showed decreased lose-shift responses as well as blunted subjective evaluations of the reinforcers used during the task, relative to HCs. Moreover, MDD patients showed normal internal (at the level of error-related negativity, ERN) but abnormal external (at the level of feedback-related negativity, FRN) reward prediction error (RPE) signals during RL, selectively when additional efforts had to be made to establish learning. Collectively, these results lend support to the assumption that MDD does not impair reward processing per se during RL. Instead, it seems to alter the processing of the emotional value of (external) reinforcers during RL, when additional intrinsic motivational processes have to be engaged. © 2016 Wiley Periodicals, Inc.

Acoustic force mapping in a hybrid acoustic-optical micromanipulation device supporting high resolution optical imaging† †Electronic supplementary information (ESI) available: Additional information about 1D model calculations for a piezoelectric transducer. See DOI: 10.1039/c6lc00182c Click here for additional data file.

PubMed Central

McDougall, Craig; MacDonald, Michael Peter; Ritsch-Marte, Monika

2016-01-01

Many applications in the life-sciences demand non-contact manipulation tools for forceful but nevertheless delicate handling of various types of sample. Moreover, the system should support high-resolution optical imaging. Here we present a hybrid acoustic/optical manipulation system which utilizes a transparent transducer, making it compatible with high-NA imaging in a microfluidic environment. The powerful acoustic trapping within a layered resonator, which is suitable for highly parallel particle handling, is complemented by the flexibility and selectivity of holographic optical tweezers, with the specimens being under high quality optical monitoring at all times. The dual acoustic/optical nature of the system lends itself to optically measure the exact acoustic force map, by means of direct force measurements on an optically trapped particle. For applications with (ultra-)high demand on the precision of the force measurements, the position of the objective used for the high-NA imaging may have significant influence on the acoustic force map in the probe chamber. We have characterized this influence experimentally and the findings were confirmed by model simulations. We show that it is possible to design the chamber and to choose the operating point in such a way as to avoid perturbations due to the objective lens. Moreover, we found that measuring the electrical impedance of the transducer provides an easy indicator for the acoustic resonances. PMID:27025398

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

Federal Register 2010, 2011, 2012, 2013, 2014

2012-10-26

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

12 CFR 228.28 - Assigned ratings.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

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

PubMed

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

2008-08-01

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

The role of hybridization during ecological divergence of southwestern white pine (Pinus strobiformis) and limber pine (P. flexilis).

PubMed

Menon, Mitra; Bagley, Justin C; Friedline, Christopher J; Whipple, Amy V; Schoettle, Anna W; Leal-Sàenz, Alejandro; Wehenkel, Christian; Molina-Freaner, Francisco; Flores-Rentería, Lluvia; Gonzalez-Elizondo, M Socorro; Sniezko, Richard A; Cushman, Samuel A; Waring, Kristen M; Eckert, Andrew J

2018-03-01

Interactions between extrinsic factors, such as disruptive selection and intrinsic factors, such as genetic incompatibilities among loci, often contribute to the maintenance of species boundaries. The relative roles of these factors in the establishment of reproductive isolation can be examined using species pairs characterized by gene flow throughout their divergence history. We investigated the process of speciation and the maintenance of species boundaries between Pinus strobiformis and Pinus flexilis. Utilizing ecological niche modelling, demographic modelling and genomic cline analyses, we illustrated a divergence history with continuous gene flow. Our results supported an abundance of advanced generation hybrids and a lack of loci exhibiting steep transition in allele frequency across the hybrid zone. Additionally, we found evidence for climate-associated variation in the hybrid index and niche divergence between parental species and the hybrid zone. These results are consistent with extrinsic factors, such as climate, being an important isolating mechanism. A build-up of intrinsic incompatibilities and of coadapted gene complexes is also apparent, although these appear to be in the earliest stages of development. This supports previous work in coniferous species demonstrating the importance of extrinsic factors in facilitating speciation. Overall, our findings lend support to the hypothesis that varying strength and direction of selection pressures across the long lifespans of conifers, in combination with their other life history traits, delays the evolution of strong intrinsic incompatibilities. © 2018 John Wiley & Sons Ltd.

Primary Care Provider Perceptions of the Effectiveness of Two Self-Management Support Programs for Vulnerable Patients with Diabetes

PubMed Central

Ratanawongsa, Neda; Bhandari, Vijay K; Handley, Margaret; Rundall, Thomas; Hammer, Hali; Schillinger, Dean

2012-01-01

Background Primary care providers (PCPs) in safety net settings face barriers to optimizing care for patients with diabetes. We conducted this study to assess PCPs' perspectives on the effectiveness of two language-concordant diabetes self-management support programs. Methods One year postintervention, we surveyed PCPs whose patients with diabetes participated in a three-arm multiclinic randomized controlled trial comparing usual care (UC), weekly automated telephone self-management (ATSM) support with nurse care management, and monthly group medical visits (GMVs). We compared PCP perspectives on patient activation to create and achieve goals, quality of care, and barriers to care using regression models accounting for within-PCP clustering. Results Of 113 eligible PCPs caring for 330 enrolled patients, 87 PCPs (77%) responded to surveys about 245 (74%) enrolled patients. Intervention patients were more likely to be perceived by PCPs as activated to create and achieve goals for chronic care when compared with UC patients (standardized effect size, ATSM vs UC, +0.41, p = 0.01; GMV vs UC, +0.31, p = 0.05). Primary care providers rated quality of care as higher for patients exposed to ATSM compared to UC (odds ratio 3.6, p < 0.01). Compared with GMV patients, ATSM patients were more likely to be perceived by PCPs as overcoming barriers related to limited English proficiency (82% ATSM vs 44% GMV, p = 0.01) and managing medications (80% ATSM vs 53% GMV, p = 0.01). Conclusions Primary care providers perceived that patients receiving ATSM support had overcome barriers, participated more actively, and received higher quality diabetes care. These views of clinician stakeholders lend additional evidence for the potential to upscale ATSM more broadly to support PCPs in their care of diverse, multilinguistic populations. PMID:22401329

Student Loans: Oversight of Servicemembers Interest Rate Cap Could Be Strengthened

DTIC Science & Technology

2016-11-01

especially for certain third-party service providers who may lend money for or service private student loans. NCUA noted that it does not currently...calling (202) 512-6000, toll free (866) 801-7077, or TDD (202) 512-2537. Orders may be paid for using American Express, Discover Card, MasterCard, Visa...check, or money order. Call for additional information. Connect with GAO on Facebook, Flickr, Twitter, and YouTube. Subscribe to our RSS Feeds or

On the solution of the Helmholtz equation on regions with corners.

PubMed

Serkh, Kirill; Rokhlin, Vladimir

2016-08-16

In this paper we solve several boundary value problems for the Helmholtz equation on polygonal domains. We observe that when the problems are formulated as the boundary integral equations of potential theory, the solutions are representable by series of appropriately chosen Bessel functions. In addition to being analytically perspicuous, the resulting expressions lend themselves to the construction of accurate and efficient numerical algorithms. The results are illustrated by a number of numerical examples.

On the solution of the Helmholtz equation on regions with corners

PubMed Central

Serkh, Kirill; Rokhlin, Vladimir

2016-01-01

In this paper we solve several boundary value problems for the Helmholtz equation on polygonal domains. We observe that when the problems are formulated as the boundary integral equations of potential theory, the solutions are representable by series of appropriately chosen Bessel functions. In addition to being analytically perspicuous, the resulting expressions lend themselves to the construction of accurate and efficient numerical algorithms. The results are illustrated by a number of numerical examples. PMID:27482110

Direct Lending: How To Improve Implementation.

ERIC Educational Resources Information Center

Jepsen, Keith

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

24 CFR 107.15 - Definitions.

Code of Federal Regulations, 2010 CFR

2010-04-01

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

24 CFR 107.15 - Definitions.

Code of Federal Regulations, 2011 CFR

2011-04-01

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

12 CFR 25.22 - Lending test.

Code of Federal Regulations, 2013 CFR

2013-01-01

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

12 CFR 25.22 - Lending test.

Code of Federal Regulations, 2011 CFR

2011-01-01

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

12 CFR 25.22 - Lending test.

Code of Federal Regulations, 2014 CFR

2014-01-01

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

12 CFR 345.22 - Lending test.

Code of Federal Regulations, 2014 CFR

2014-01-01

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

12 CFR 345.22 - Lending test.

Code of Federal Regulations, 2013 CFR

2013-01-01

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

12 CFR 25.28 - Assigned ratings.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

Microbial community composition affects soil fungistasis.

PubMed

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

2003-02-01

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

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

PubMed

Fan, Zhiliang; Lynd, Lee R

2007-01-01

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

Neurocognitive functioning in children with developmental dyslexia and attention-deficit/hyperactivity disorder: Multiple deficits and diagnostic accuracy.

PubMed

Moura, Octávio; Pereira, Marcelino; Alfaiate, Cláudia; Fernandes, Eva; Fernandes, Boavida; Nogueira, Susana; Moreno, Joana; Simões, Mário R

2017-04-01

This study aimed to investigate the neurocognitive functioning of children with developmental dyslexia (DD) and attention-deficit/hyperactivity disorder (ADHD). Four groups of children between the ages of 8 and 10 years participated in the study: typically developing children (TDC; N = 34), children with DD-only (N = 32), children with ADHD-only (N = 32), and children with DD+ADHD (N = 18). Children with DD and ADHD exhibited significant weaknesses on almost all neurocognitive measures compared with TDC. Large effect sizes were observed for naming speed and phonological awareness. The comorbid group showed deficits consistent with both DD and ADHD without additional impairments. Results from binary logistic regression and receiver-operating characteristic (ROC) curve analyses suggested that some neurocognitive measures revealed an adequate sensitivity for the clinical diagnosis of both neurodevelopmental disorders. Specifically, naming speed and phonological awareness were the strongest predictors to correctly discriminate both disorders. Taken together, the results lend support to the multiple cognitive deficit hypothesis showing a considerable overlap of neurocognitive deficits between both disorders.

Validation of the Social Appearance Anxiety Scale: factor, convergent, and divergent validity.

PubMed

Levinson, Cheri A; Rodebaugh, Thomas L

2011-09-01

The Social Appearance Anxiety Scale (SAAS) was created to assess fear of overall appearance evaluation. Initial psychometric work indicated that the measure had a single-factor structure and exhibited excellent internal consistency, test-retest reliability, and convergent validity. In the current study, the authors further examined the factor, convergent, and divergent validity of the SAAS in two samples of undergraduates. In Study 1 (N = 323), the authors tested the factor structure, convergent, and divergent validity of the SAAS with measures of the Big Five personality traits, negative affect, fear of negative evaluation, and social interaction anxiety. In Study 2 (N = 118), participants completed a body evaluation that included measurements of height, weight, and body fat content. The SAAS exhibited excellent convergent and divergent validity with self-report measures (i.e., self-esteem, trait anxiety, ethnic identity, and sympathy), predicted state anxiety experienced during the body evaluation, and predicted body fat content. In both studies, results confirmed a single-factor structure as the best fit to the data. These results lend additional support for the use of the SAAS as a valid measure of social appearance anxiety.

Huperzine A: Is it an Effective Disease-Modifying Drug for Alzheimer's Disease?

PubMed

Qian, Zhong Ming; Ke, Ya

2014-01-01

Alzheimer's disease (AD) is a progressive neurodegenerative disorder for which there is no cure. Huperzine A (HupA) is a natural inhibitor of acetylcholinesterase (AChE) derived from the Chinese folk medicine Huperzia serrata (Qian Ceng Ta). It is a licensed anti-AD drug in China and is available as a nutraceutical in the US. A growing body of evidence has demonstrated that HupA has multifaceted pharmacological effects. In addition to the symptomatic, cognitive-enhancing effect via inhibition of AChE, a number of recent studies have reported that this drug has "non-cholinergic" effects on AD. Most important among these is the protective effect of HupA on neurons against amyloid beta-induced oxidative injury and mitochondrial dysfunction as well as via the up-regulation of nerve growth factor and antagonizing N-methyl-d-aspartate receptors. The most recent discovery that HupA may reduce brain iron accumulation lends further support to the argument that HupA could serve as a potential disease-modifying agent for AD and also other neurodegenerative disorders by significantly slowing down the course of neuronal death.

Stable Inheritance of Host Species-Derived Microchromosomes in the Gynogenetic Fish Poecilia formosa

PubMed Central

Nanda, Indrajit; Schlupp, Ingo; Lamatsch, Dunja K.; Lampert, Kathrin P.; Schmid, Michael; Schartl, Manfred

2007-01-01

B chromosomes are additional, usually unstable constituents of the genome of many organisms. Their origin, however, is often unclear and their evolutionary relevance is not well understood. They may range from being deleterious to neutral or even beneficial. We have followed the genetic fate of B chromosomes in the asexual, all-female fish Poecilia formosa over eight generations. In this species, B chromosomes come in the form of one to three tiny microchromosomes derived from males of the host species that serve as sperm donors for this gynogenetic species. All microchromosomes have centromeric heterochromatin but usually only one has a telomere. Such microchromosomes are stably inherited, while the telomereless are prone to be lost in both the soma and germline. In some cases the stable microchromosome carries a functional gene lending support to the hypothesis that the B chromosomes in P. formosa could increase the genetic diversity of the clonal lineage in this ameiotic organism and to some degree counteract the genomic decay that is supposed to be connected with the lack of recombination. PMID:17720916

Limited mitogenomic degradation in response to a parasitic lifestyle in Orobanchaceae

PubMed Central

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

2016-01-01

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

Two-year impacts of a universal school-based social-emotional and literacy intervention: an experiment in translational developmental research.

PubMed

Jones, Stephanie M; Brown, Joshua L; Lawrence Aber, J

2011-01-01

This study contributes to ongoing scholarship at the nexus of translational research, education reform, and the developmental and prevention sciences. It reports 2-year experimental impacts of a universal, integrated school-based intervention in social-emotional learning and literacy development on children's social-emotional, behavioral, and academic functioning. The study employed a school-randomized, experimental design with 1,184 children in 18 elementary schools. Children in the intervention schools showed improvements across several domains: self-reports of hostile attributional bias, aggressive interpersonal negotiation strategies, and depression, and teacher reports of attention skills, and aggressive and socially competent behavior. In addition, there were effects of the intervention on children's math and reading achievement for those identified by teachers at baseline at highest behavioral risk. These findings are interpreted in light of developmental cascades theory and lend support to the value of universal, integrated interventions in the elementary school period for promoting children's social-emotional and academic skills. © 2011 The Authors. Child Development © 2011 Society for Research in Child Development, Inc.

A root bond between ice and antifreeze protein.

PubMed

Hawes, Timothy C

2016-10-01

It has always been assumed that a three-dimensional protein structure is essential to antifreeze protein (AFP) ice interactions. Using a 9 kDa AFP isolated from the springtail, Gomphiocephalus hodgsoni, it was found that the bond between ice and protein is maintained independent of higher order protein structure. GomplyAFP9 remained bound to ice after denaturing by a range of agents (boiling, extreme pH, DTT, ethanol, urea). Thermal hysteresis was minimal (0.03-0.04 °C), but not lost. Crystal faceting and growth occurred normal to the c-axis, indicating the protein binds primarily to sites along the a-axis. These observations lend additional support to the hypothesis of irreversible binding. More significantly, they suggest that binding to ice and functional hysteresis may be achieved independently (i.e. are different operations). These results are consistent with the view that there is a root bond with ice and it is achieved via an amino acid derived interface that bonds to water molecules in aqueous solutions. Copyright © 2016 Elsevier Inc. All rights reserved.

Diffuse fluid flux through orogenic belts: Implications for the world ocean

USGS Publications Warehouse

Ingebritsen, S.E.; Manning, C.E.

2002-01-01

Fifty years ago a classic paper by W. W. Rubey [(1951) Geol. Soc. Am. Bull. 62, 1111-1148] examined various hypotheses regarding the origin of sea water and concluded that the most likely hypothesis was volcanic outgassing, a view that was generally accepted by earth scientists for the next several decades. More recent work suggests that the rate of subduction of water is much larger than the volcanic outgassing rate, lending support to hypotheses that either ocean volume has decreased with time, or that the imbalance is offset by continuous replenishment of water by cometary impacts. These alternatives are required in the absence of additional mechanisms for the return of water from subducting lithosphere to the Earth's surface. Our recent work on crustal permebility suggests a large capacity for water upflow through tectonically active continental crust, resulting in a heretofore unrecognized degassing pathway that can accommodate the waer subduction rate. Escape of recycled water via delivery from the mantle through zones of active metamorphism eliminates the mass-balance argument for the loss of ocean volume or extraterestrial sources.

Incorporation of {sup 13}C-labeled intermediates into developing lignin revealed by analytical pyrolysis and CuO oxidation in combination with IRM-GC-MS

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

Eglinton, T.I.; Goni, M.A.; Boon, J.J.

1995-12-31

Tissue samples from Ginkgo shoots (Ginkgo biloba L.) and Rice grass (Oryzasitiva sp.) incubated in the presence of {sup 13}C-labeled substrates such as coniferin (postulated to be biosynthetic intermediates in lignin biosynthesis) were studied using thermal and chemical dissociation methods in combination with molecular-level isotopic measurements. The aim of the study was (1) to investigate dissociation mechanisms, and (2) to examine and quantify the proportions of labeled material incorporated within each sample. Isotopic analysis of specific dissociation products revealed the presence of the label in its original positions, and only within lignin-derived (phenolic) products. Moreover, the distribution and isotopic compositionmore » of the dissociation products strongly suggest an origin from newly-formed lignin. These results clearly indicate that there is no {open_quotes}scrambling{close_quotes} of carbon atoms as a result of the dissociation process, thereby lending support to this analytical approach. In addition, the data provide confidence in the selective labeling approach for elucidation of the structure and biosynthesis of lignin.« less

A Deep Near-Infrared Survey of the N 49 Region around the Soft Gamma-Ray Repeater 0526-66

NASA Technical Reports Server (NTRS)

Klose, S.; Henden, A. A.; Geppert, U.; Greiner, J.; Guetter, H. H.; Hartmann, D. H.; Kouveliotou, C.; Luginbuhl, C. B.; Stecklurn, B.; Vrba, F. J.

2004-01-01

We report the results of a deep near-infrared survey of the vicinity of supernova remnant N49 in the Large Magellanic Cloud (LMC), which contains the soft gamma-ray repeater (SGR) 0526-66. Two of the four confirmed SGRs are potentially associated with compact stellar clusters. We thus searched for a similar association of SGR0526-66, and find the unexplored young stellar cluster SL 463 at a projected distance of approx. 30 pc from the SGR. This constitutes the third cluster-SGR link, and lends support to scenarios in which SGR progenitors originate in young, embedded clusters. If real, the cluster-SGR association constrains the age and thus the initial mass of these stars. In addition, our high-resolution images of the super- nova remnant N49 reveal an area of excess K-band flux in the southeastern part of the SNR. This feature coincides with the maximum flux area at 8.28 microns as detected by the Midcourse Space Experiment (MSX satellite), which we identify with IRAS 052594607.

Genomewide scan in families with schizophrenia from the founder population of Afrikaners reveals evidence for linkage and uniparental disomy on chromosome 1.

PubMed

Abecasis, Gonçalo R; Burt, Rachel A; Hall, Diana; Bochum, Sylvia; Doheny, Kimberly F; Lundy, S Laura; Torrington, Marie; Roos, J Louw; Gogos, Joseph A; Karayiorgou, Maria

2004-03-01

We report on our initial genetic linkage studies of schizophrenia in the genetically isolated population of the Afrikaners from South Africa. A 10-cM genomewide scan was performed on 143 small families, 34 of which were informative for linkage. Using both nonparametric and parametric linkage analyses, we obtained evidence for a small number of disease loci on chromosomes 1, 9, and 13. These results suggest that few genes of substantial effect exist for schizophrenia in the Afrikaner population, consistent with our previous genealogical tracing studies. The locus on chromosome 1 reached genomewide significance levels (nonparametric LOD score of 3.30 at marker D1S1612, corresponding to an empirical P value of.012) and represents a novel susceptibility locus for schizophrenia. In addition to providing evidence for linkage for chromosome 1, we also identified a proband with a uniparental disomy (UPD) of the entire chromosome 1. This is the first time a UPD has been described in a patient with schizophrenia, lending further support to involvement of chromosome 1 in schizophrenia susceptibility in the Afrikaners.

Expanding Couples-Based HIV Testing and Counseling in the United States: Findings from a Nationwide, Online Survey of Partnered Adults.

PubMed

Lee, Ji-Young; Mitchell, Jason W

2018-04-23

Couples-based HIV testing and counseling (CHTC) is currently available only for gay male couples in the United States, but other types of couples could benefit from this service. Our cross-sectional, online study collected data from 536 partnered adults to assess interest in using CHTC and associated factors. Adjusted odds ratios were calculated with ordinal logistic regression to analyze factors associated with greater interest in using CHTC. Most participants were female, White, non-Hispanic, and/or students who were dating exclusively and sexually active. Participant interest in using CHTC varied. Greater interest was associated with identifying as bisexual or questioning (adjusted odds ratio [aOR] 2.53, p < .05); having a sexual agreement (aOR 6.82, p < .001); and inconsistent or no condom use for anal sex (aOR 0.31, p < .05). These findings lend support for additional research about how best to extend and offer CHTC to a wider variety of couples. Copyright © 2018 Association of Nurses in AIDS Care. Published by Elsevier Inc. All rights reserved.

Fission-fusion and lineal effect: aspects of the population structure of the Semai Senoi of Malaysia.

PubMed

Fix, A G

1975-09-01

Analysis of histories and genealogies from seven relatively unacculturated, swidden-farming Semai settlements shows that the composition of local groups fluctuates through time. This instability is similar to a pattern which Neel and his colleagues have suggested is typical of primitive society, the fission-fusion model. In addition, the individuals comprising Semai fission groups are kinsmen which implies that the number of independent genomes represented is markedly less than the number of individual migrants (the lineal effect). Fission groups may form new villages or fuse with an established settlement. In either case, the genetic effects of such migration are more pronounced than would be expected on the basis of founder effect or random migration. Despite several conspicuous differences in social organization between the Semai and the South American Indians (e.g., bilateral vs. unilineal descent) whose population structure provided the empirical basis for the fission-fusion, lineal effect model, the basic similarities are striking. The Semai case thus lends support to the proposition that this pattern may be of some generality in technologically primitive populations.

Dermatoglyphics--a possible biomarker in the neurodevelopmental model for the origin of mental disorders.

PubMed

Ahmed-Popova, Ferihan M; Mantarkov, Mladen J; Sivkov, Stefan T; Akabaliev, Valentin H

2014-01-01

Dermatoglyphic pattern formation and differentiation are complex processes which have been in the focus of research interest ever since dermatoglyphics became a science. The patterns' early differentiation and genetic uniqueness as well as the relatively simple methods used to obtain and store fingerprints make it possible to study the relationship between certain dermatoglyphic characteristics and the underlying pathological processes in a number of diseases, including mental disorders. The present review reports published data from fundamental and clinical studies on dermatoglyphics primarily in schizophrenia and bipolar disorder to lend additional support for the neurodevelopmental hypothesis in the etiology of these disorders. Following an analysis of the theories of dermatoglyphics formation and the complex association between ridge patterns and central nervous system in early embryogenesis, an attempt is made to present dermatoglyphics as possible biological markers of impaired neurodevelopment. The contradictory data in the literature on dermatoglyphics in mental disorders suggest the need for further studies on these biological markers in order to identify their place in the neurodevelopmental etiological model of these diseases.

The Role of Students and Content in Teacher Effectiveness

PubMed Central

Ennis, Catherine D.

2015-01-01

The process of effective teaching—teaching that directly leads to student learning of standards-based content—is tenuous at best and easily disrupted by contextual and behavioral factors. In this commentary, I discuss the role of student support and mediation in teacher effectiveness and curricular reform. The most vocal students in physical education classes appear to thrive in the current multiactivity, recreation-oriented sport culture that dominates many U.S. physical education programs. They expect lessons with minimal skill and tactical instruction and with maximum opportunities to play ball. I also comment on Ward’s emphasis on the value of content-rich definitions of teaching effectiveness and argue for additional disciplinary-based, concept-rich cognitive outcomes for physical education to complement and enrich skill, sport, and physical activity performance. I lend my voice to Rink’s call for comprehensive measures of teacher accountability as the most critical next step in physical education reform. I conclude by contesting McKenzie and Lounsbery’s accusation of “muddled goals” in physical education. Although physical education advocates may present diverse content perspectives, student learning is the primary goal of physical education. PMID:24749230

Implications of crustal permeability for fluid movement between terrestrial fluid reservoirs

USGS Publications Warehouse

Ingebritsen, S.E.; Manning, C.E.

2003-01-01

A classic paper by Rubey [Geol. Soc. Amer. Bull 62 (1951) 1111] examined various hypotheses regarding the origin of sea water and concluded that the most likely hypothesis was volcanic outgassing, a view that was generally accepted by Earth scientists for the next several decades. More recent work suggests that the rate of subduction of water is much larger than the volcanic outgassing rate, lending support to hypotheses that either ocean volume has decreased with time, or that the imbalance is offset by continuous replenishment of water by cometary impacts. These alternatives are required in the absence of additional mechanisms for the return of water from subducting lithosphere to the Earth's surface. Our recent work on crustal permeability suggests a large capacity for water upflow through tectonically active continental crust, resulting in a heretofore-unrecognized degassing pathway that can accommodate the water-subduction rate. Escape of recycled water via delivery from the mantle through zones of active metamorphism eliminates the mass-balance argument for the loss of ocean volume or extraterrestrial sources. ?? 2003 Elsevier Science B.V. All rights reserved.

Color coded multiple access scheme for bidirectional multiuser visible light communications in smart home technologies

NASA Astrophysics Data System (ADS)

Tiwari, Samrat Vikramaditya; Sewaiwar, Atul; Chung, Yeon-Ho

2015-10-01

In optical wireless communications, multiple channel transmission is an attractive solution to enhancing capacity and system performance. A new modulation scheme called color coded multiple access (CCMA) for bidirectional multiuser visible light communications (VLC) is presented for smart home applications. The proposed scheme uses red, green and blue (RGB) light emitting diodes (LED) for downlink and phosphor based white LED (P-LED) for uplink to establish a bidirectional VLC and also employs orthogonal codes to support multiple users and devices. The downlink transmission for data user devices and smart home devices is provided using red and green colors from the RGB LEDs, respectively, while uplink transmission from both types of devices is performed using the blue color from P-LEDs. Simulations are conducted to verify the performance of the proposed scheme. It is found that the proposed bidirectional multiuser scheme is efficient in terms of data rate and performance. In addition, since the proposed scheme uses RGB signals for downlink data transmission, it provides flicker-free illumination that would lend itself to multiuser VLC system for smart home applications.

77 FR 26304 - Federal Housing Administration (FHA) Healthcare Facility Documents: Proposed Revisions and...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-05-03

...Consistent with the Paperwork Reduction Act of 1995 (PRA), HUD is publishing for public comment a comprehensive set of closing and other documents used in connection with transactions involving healthcare facilities (excluding hospitals) that are insured pursuant to section 232 of the National Housing Act (Section 232). In addition to meeting PRA requirements, this notice seeks public comment for the purpose of enlisting input from the lending industry and other interested parties in the development, updating, and adoption of a set of instruments (collectively, healthcare facility documents) that offer the requisite protection to all parties in these FHA-insured mortgage transactions, consistent with modern real estate and mortgage lending laws and practices. The healthcare facility documents, which are the subject of this notice, can be viewed on HUD's Web site: www.hud.gov/232forms. HUD is also publishing today a proposed rule that will submit for public comment certain revisions to FHA's Section 232 regulations for the purpose of ensuring consistency between the program regulations and the revised healthcare facility documents.

Main Oxidizer Valve Design

NASA Technical Reports Server (NTRS)

Addona, Brad; Eddleman, David

2015-01-01

A developmental Main Oxidizer Valve (MOV) was designed by NASA-MSFC using additive manufacturing processes. The MOV is a pneumatically actuated poppet valve to control the flow of liquid oxygen to an engine's injector. A compression spring is used to return the valve to the closed state when pneumatic pressure is removed from the valve. The valve internal parts are cylindrical in shape, which lends itself to traditional lathe and milling operations. However, the valve body represents a complicated shape and contains the majority of the mass of the valve. Additive manufacturing techniques were used to produce a part that optimized mass and allowed for design features not practical with traditional machining processes.

Lending Officers' Decisions to Recommend Innovative Agricultural Technology.

ERIC Educational Resources Information Center

McIntosh, Wm. Alex; Zey-Ferrell, Mary

1986-01-01

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

76 FR 11319 - Truth in Lending

Federal Register 2010, 2011, 2012, 2013, 2014

2011-03-02

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

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

Federal Register 2010, 2011, 2012, 2013, 2014

2011-04-11

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

12 CFR 560.160 - Asset classification.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

78 FR 76033 - Truth in Lending (Regulation Z)

Federal Register 2010, 2011, 2012, 2013, 2014

2013-12-16

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

12 CFR 560.3 - Definitions.

Code of Federal Regulations, 2011 CFR

2011-01-01

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

12 CFR 228.22 - Lending test.

Code of Federal Regulations, 2013 CFR

2013-01-01

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

Direct Lending Works.

ERIC Educational Resources Information Center

Riley, Richard W.

1997-01-01

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

12 CFR 614.4150 - Lending policies and loan underwriting standards.

Code of Federal Regulations, 2013 CFR

2013-01-01

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

12 CFR 614.4150 - Lending policies and loan underwriting standards.

Code of Federal Regulations, 2011 CFR

2011-01-01

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

12 CFR 614.4150 - Lending policies and loan underwriting standards.

Code of Federal Regulations, 2014 CFR

2014-01-01

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

12 CFR 614.4150 - Lending policies and loan underwriting standards.

Code of Federal Regulations, 2012 CFR

2012-01-01

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

12 CFR 614.4150 - Lending policies and loan underwriting standards.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

12 CFR 28.54 - Reporting and disclosure of international assets.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

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

NASA Technical Reports Server (NTRS)

Culbert, C.

1985-01-01

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

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

DTIC Science & Technology

2009-10-23

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

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

NASA Technical Reports Server (NTRS)

Mullikin, Richard L.

1987-01-01

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

The motion of bubbles inside drops in containerless processing

NASA Technical Reports Server (NTRS)

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

1982-01-01

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

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

NASA Technical Reports Server (NTRS)

Zhou, YE

1993-01-01

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

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

ERIC Educational Resources Information Center

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

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

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

PubMed

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

2010-01-01

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

The Efficacy of the Government’s Use of Past Performance Information: An Exploratory Study

DTIC Science & Technology

2014-04-30

afraid that unless everyone is really working these things to really make an impactful statement that they probably aren’t worth a whole lot if you have...end users. This variance lends credence to H12, H13 , and H14, which posit relationships between features of communication and past performance... impact to the contractor’s ability to secure future government business. In addition to fear of a supplier dispute to ratings, this phenomenon

12 CFR 614.4000 - Farm Credit Banks.

Code of Federal Regulations, 2011 CFR

2011-01-01

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

12 CFR 614.4010 - Agricultural credit banks.

Code of Federal Regulations, 2011 CFR

2011-01-01

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

75 FR 81836 - Truth in Lending

Federal Register 2010, 2011, 2012, 2013, 2014

2010-12-29

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

12 CFR 560.36 - De minimis investments.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

12 CFR 560.32 - Pass-through investments.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

12 CFR 1805.301 - Eligible activities.

Code of Federal Regulations, 2012 CFR

2012-01-01

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

12 CFR 1805.301 - Eligible activities.

Code of Federal Regulations, 2014 CFR

2014-01-01

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

12 CFR 1805.301 - Eligible activities.

Code of Federal Regulations, 2011 CFR

2011-01-01

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

12 CFR 1805.301 - Eligible activities.

Code of Federal Regulations, 2013 CFR

2013-01-01

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

12 CFR 560.36 - De minimis investments.

Code of Federal Regulations, 2011 CFR

2011-01-01

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

12 CFR 560.32 - Pass-through investments.

Code of Federal Regulations, 2011 CFR

2011-01-01

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

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

Federal Register 2010, 2011, 2012, 2013, 2014

2010-08-18

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

Student Loan Financing.

ERIC Educational Resources Information Center

Ginsberg, Edward; Ginsberg, Susan

1989-01-01

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

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

ERIC Educational Resources Information Center

Pereira, Monica

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

12 CFR 390.265 - Real estate lending standards.

Code of Federal Regulations, 2014 CFR

2014-01-01

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

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

Code of Federal Regulations, 2014 CFR

2014-01-01

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

12 CFR 390.265 - Real estate lending standards.

Code of Federal Regulations, 2013 CFR

2013-01-01

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

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

Code of Federal Regulations, 2011 CFR

2011-01-01

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

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

Code of Federal Regulations, 2013 CFR

2013-01-01

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

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

Code of Federal Regulations, 2012 CFR

2012-01-01

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

12 CFR 160.101 - Real estate lending standards.

Code of Federal Regulations, 2013 CFR

2013-01-01

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

12 CFR 160.101 - Real estate lending standards.

Code of Federal Regulations, 2014 CFR

2014-01-01

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

Ereaders in Academic Libraries--A Literature Review

ERIC Educational Resources Information Center

Tees, Tracy

2010-01-01

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

12 CFR 560.60 - Suretyship and guaranty.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

12 CFR 560.34 - Prepayments.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

12 CFR 560.33 - Late charges.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

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

Code of Federal Regulations, 2010 CFR

2010-10-01

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

12 CFR 560.130 - Prohibition on loan procurement fees.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

12 CFR 614.4010 - Agricultural credit banks.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

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

Federal Register 2010, 2011, 2012, 2013, 2014

2011-07-18

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

Intergroup contact and beliefs about homosexuality in adolescence.

PubMed

Heinze, Justin E; Horn, Stacey S

2009-08-01

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

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

USGS Publications Warehouse

Broussard, Linda

2007-01-01

The National Wetlands Research Center (NWRC) library is part of the U.S. Geological Survey (USGS) and is the only USGS library dedicated to wetland science. The mission of the NWRC library is to support the research and information needs of scientists, managers, and support personnel by providing a specialized, scientific collection of library materials and related information services that are responsive to and reflect internal and external customer needs and work processes. The NWRC library participates in international cataloging and resource sharing that allows libraries from throughout the world to borrow from its collections and lend to NWRC. This sharing of materials facilitates the research of other governmental agencies, universities, and those interested in the study of wetlands.

Extinction events can accelerate evolution.

PubMed

Lehman, Joel; Miikkulainen, Risto

2015-01-01

Extinction events impact the trajectory of biological evolution significantly. They are often viewed as upheavals to the evolutionary process. In contrast, this paper supports the hypothesis that although they are unpredictably destructive, extinction events may in the long term accelerate evolution by increasing evolvability. In particular, if extinction events extinguish indiscriminately many ways of life, indirectly they may select for the ability to expand rapidly through vacated niches. Lineages with such an ability are more likely to persist through multiple extinctions. Lending computational support for this hypothesis, this paper shows how increased evolvability will result from simulated extinction events in two computational models of evolved behavior. The conclusion is that although they are destructive in the short term, extinction events may make evolution more prolific in the long term.

Compulsive exercise as a mediator between clinical perfectionism and eating pathology.

PubMed

Egan, Sarah J; Bodill, Kate; Watson, Hunna J; Valentine, Emily; Shu, Chloe; Hagger, Martin S

2017-01-01

The aim of this study was to examine whether compulsive exercise mediates the relationship between clinical perfectionism and eating pathology, based on the cognitive behavioral model of compulsive exercise. Participants were 368 adults who participated regularly in sport/exercise and completed online measures of perfectionism, compulsive exercise and eating disorders. In support of the well-established link between perfectionism and eating disorders, clinical perfectionism predicted eating pathology both directly and indirectly mediated by compulsive exercise. In addition, there were also direct effects of clinical perfectionism on the avoidance/rule-driven behavior, weight control, and mood improvement subscales of the Compulsive Exercise Test (CET). There was a direct effect of the CET weight control subscale on eating pathology and a negative direct effect of the CET subscale mood improvement on eating pathology. Findings lend support to the cognitive behavioral model of compulsive exercise in which clinical perfectionism is conceptualized as related to eating disorders directly and indirectly through the mediation of compulsive exercise. Compulsive exercise was also found to have a direct effect on eating disorders. Compulsive exercise may be a symptom of eating pathology, rather than an antecedent, however causal inferences could not be established given the correlational design. Longitudinal research using cross-lagged panel designs to examine a bidirectional relationship between compulsive exercise and eating disorders is needed. Copyright © 2016 Elsevier Ltd. All rights reserved.

12 CFR 528.9 - Guidelines relating to nondiscrimination in lending.

Code of Federal Regulations, 2012 CFR

2012-01-01

... achieved by means which are not discriminatory in effect or less discriminatory in effect. (c) Discriminatory practices—(1) Discrimination on the basis of sex or marital status. The Civil Rights Act of 1968 and the National Housing Act prohibit discrimination in lending on the basis of sex. The Equal Credit...

31 CFR 800.303 - Lending transactions.

Code of Federal Regulations, 2014 CFR

2014-07-01

... profits of a U.S. business, the right to appoint members of the board of directors of the U.S. business... 31 Money and Finance:Treasury 3 2014-07-01 2014-07-01 false Lending transactions. 800.303 Section 800.303 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE OF...

31 CFR 800.303 - Lending transactions.

Code of Federal Regulations, 2011 CFR

2011-07-01

... profits of a U.S. business, the right to appoint members of the board of directors of the U.S. business... 31 Money and Finance:Treasury 3 2011-07-01 2011-07-01 false Lending transactions. 800.303 Section 800.303 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE OF...

31 CFR 800.303 - Lending transactions.

Code of Federal Regulations, 2012 CFR

2012-07-01

... profits of a U.S. business, the right to appoint members of the board of directors of the U.S. business... 31 Money and Finance:Treasury 3 2012-07-01 2012-07-01 false Lending transactions. 800.303 Section 800.303 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE OF...

31 CFR 800.303 - Lending transactions.

Code of Federal Regulations, 2013 CFR

2013-07-01

... profits of a U.S. business, the right to appoint members of the board of directors of the U.S. business... 31 Money and Finance:Treasury 3 2013-07-01 2013-07-01 false Lending transactions. 800.303 Section 800.303 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE OF...

75 FR 58469 - Regulation Z; Truth in Lending

Federal Register 2010, 2011, 2012, 2013, 2014

2010-09-24

... Congress enacted the Truth in Lending Act (TILA) based on findings that economic stability would be... 2503 of the Housing and Economic Recovery Act of 2008, Public Law 110-289, enacted on July 30, 2008. The MDIA was later amended by the Emergency Economic Stabilization Act of 2008, Public Law 110-343...

Education & Entrepreneurship: Implications for Contemporary Microfinance

ERIC Educational Resources Information Center

Gnegy, Alan M.; Wilson, Alan J.; Sementa, Albert; McWilliams, Aman; Helmer, Caitlin; Kidwell, Jacob; Swaim, Kelsey L.; Neidermeyer, Presha E.

2011-01-01

In world regions receiving direct foreign aid, beneficiaries of aid often lack the education required to remove themselves from poverty. Micro-lending refers to the initiation of small loans to the neediest of borrowers who are unable to secure traditional financing from financial intermediaries. In order for micro-lending to thrive as a viable…

32 CFR 113.6 - Procedures.

Code of Federal Regulations, 2011 CFR

2011-07-01

... indebtedness complaints to show that they have met the disclosure requirements of the Truth in Lending Act (15... the Military Service as required by the Truth in Lending Act (15 U.S.C. 1601 note, 1601-1614, 1631... collect this post-application interest provided it is an amount owed pursuant to the judgment. DFAS shall...

77 FR 39387 - Loan Policies and Operations; Lending and Leasing Limits and Risk Management; Effective Date

Federal Register 2010, 2011, 2012, 2013, 2014

2012-07-03

... FARM CREDIT ADMINISTRATION 12 CFR Part 614 RIN 3052-AC60 Loan Policies and Operations; Lending and Leasing Limits and Risk Management; Effective Date AGENCY: Farm Credit Administration. ACTION: Notice of effective date. SUMMARY: The Farm Credit Administration (FCA or Agency), through the FCA Board (Board...

12 CFR 560.31 - Election regarding categorization of loans or investments and related calculations.

Code of Federal Regulations, 2010 CFR

2010-01-01

... included in the calculation of a percentage-of-assets or percentage-of-capital investment limitation only... investments and related calculations. 560.31 Section 560.31 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY LENDING AND INVESTMENT Lending and Investment Powers for Federal Savings...

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

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 5 2010-01-01 2010-01-01 false May I sell assets or lend money between fiduciary accounts? 550.370 Section 550.370 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY FIDUCIARY POWERS OF SAVINGS ASSOCIATIONS Exercising Fiduciary Powers Restrictions on Self...

Banking on Solar: New Opportunities for Lending (Fact Sheet)

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

Not Available

The U.S. solar industry is a $13.7 billion market with roughly 450,000 systems in place. Bank and credit union lending for solar system deployment represents a valuable new opportunity for lenders to expand their consumer and commercial customer relationships, bring on new relationships and open a new asset class category.

What Truth in Lending Means to You.

ERIC Educational Resources Information Center

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

Designed for the general public and possibly suitable also for high school economics students, this pamphlet discusses the provisions of the Truth in Lending Law. The act requires that creditors state credit charges in a uniform way. The pamphlet provides a brief description of finance charges and annual percentage rates. It also focuses on…

75 FR 11641 - Community Reinvestment Act; Interagency Questions and Answers Regarding Community Reinvestment...

Federal Register 2010, 2011, 2012, 2013, 2014

2010-03-11

... lending test applicable to large institutions, its content may also be applicable to, for example, small... the guidance that describes the lending, investment, and service tests. The Questions and Answers are... received total quantitative CRA consideration. Although this is true if the express, bona fide intent of...

IFLA General Conference, 1985. Division on Collections and Services. Section on Interlending and Document Delivery. Papers.

ERIC Educational Resources Information Center

International Federation of Library Associations, The Hague (Netherlands).

Papers on interlibrary loans and document delivery which were presented at the 1985 International Federation of Library Associations (IFLA) conference include: (1) "The Activities of the IFLA Office for International Lending" (Richard J. Bennett, British Library Lending Division, United Kingdom); (2) "Electronic Networking for…

12 CFR 34.4 - Applicability of state law.

Code of Federal Regulations, 2011 CFR

2011-01-01

... Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY REAL ESTATE LENDING AND... authorized real estate lending powers do not apply to national banks. Specifically, a national bank may make real estate loans under 12 U.S.C. 371 and § 34.3, without regard to state law limitations concerning...

12 CFR 528.9 - Guidelines relating to nondiscrimination in lending.

Code of Federal Regulations, 2013 CFR

2013-01-01

... discrimination based on race, color, religion, sex, handicap, familial status (having one or more children under...) Discriminatory practices—(1) Discrimination on the basis of sex or marital status. The Civil Rights Act of 1968 and the National Housing Act prohibit discrimination in lending on the basis of sex. The Equal Credit...

12 CFR 128.9 - Guidelines relating to nondiscrimination in lending.

Code of Federal Regulations, 2012 CFR

2012-01-01

... discrimination based on race, color, religion, sex, handicap, familial status (having one or more children under...) Discriminatory practices—(1) Discrimination on the basis of sex or marital status. The Civil Rights Act of 1968 and the National Housing Act prohibit discrimination in lending on the basis of sex. The Equal Credit...

12 CFR 528.9 - Guidelines relating to nondiscrimination in lending.

Code of Federal Regulations, 2011 CFR

2011-01-01

... discrimination based on race, color, religion, sex, handicap, familial status (having one or more children under...) Discriminatory practices—(1) Discrimination on the basis of sex or marital status. The Civil Rights Act of 1968 and the National Housing Act prohibit discrimination in lending on the basis of sex. The Equal Credit...

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

Code of Federal Regulations, 2014 CFR

2014-01-01

... 12 Banks and Banking 6 2014-01-01 2012-01-01 true Real estate for office and related facilities... LENDING AND INVESTMENT Lending and Investment Powers for Federal Savings Associations § 560.37 Real estate for office and related facilities. A federal savings association may invest in real estate (improved...

78 FR 59380 - Agency Information Collection Activities: Submission to OMB for Reinstatement, With Change, of a...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-09-26

... to NCUA's regulation on nondiscrimination requirements in real estate-related lending. DATES... collection of information for 12 CFR 701.31, Nondiscrimination Requirements in Real Estate- Related Lending... et seq. It requires each Federal credit union (FCU) to maintain a copy of the real estate appraisal...