Sample records for offered internet banking

  1. 12 CFR 226.58 - Internet posting of credit card agreements.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 3 2013-01-01 2013-01-01 false Internet posting of credit card agreements. 226.58 Section 226.58 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE... Accounts and Open-End Credit Offered to College Students § 226.58 Internet posting of credit card...

  2. 12 CFR 226.58 - Internet posting of credit card agreements.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 3 2012-01-01 2012-01-01 false Internet posting of credit card agreements. 226.58 Section 226.58 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE... and Open-End Credit Offered to College Students § 226.58 Internet posting of credit card agreements...

  3. 12 CFR 226.58 - Internet posting of credit card agreements.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 3 2014-01-01 2014-01-01 false Internet posting of credit card agreements. 226.58 Section 226.58 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE... Accounts and Open-End Credit Offered to College Students § 226.58 Internet posting of credit card...

  4. 12 CFR 226.58 - Internet posting of credit card agreements.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 3 2011-01-01 2011-01-01 false Internet posting of credit card agreements. 226.58 Section 226.58 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE... and Open-End Credit Offered to College Students § 226.58 Internet posting of credit card agreements...

  5. The security concern on internet banking adoption among Malaysian banking customers.

    PubMed

    Sudha, Raju; Thiagarajan, A S; Seetharaman, A

    2007-01-01

    The existing literatures highlights that the security is the primary factor which determines the adoption of Internet banking technology. The secondary information on Internet banking development in Malaysia shows a very slow growth rate. Hence, this study aims to study the banking customers perception towards security concern and Internet banking adoption through the information collected from 150 sample respondents. The data analysis reveals that the customers have much concern about security and privacy issue in adoption of Internet banking, whether the customers are adopted Internet banking or not. Hence, it infers that to popularize Internet banking system there is a need for improvement in security and privacy issue among the banking customers.

  6. Internet Banking Adoption: Case of Lithuania and Latvia

    ERIC Educational Resources Information Center

    Gaile-Sarkane, Elina; Jureviciene, Diva; Skvarciany, Viktorija; Iljins, Juris

    2017-01-01

    The banking sector has developed and extended usage of different services at a distance using the internet in the last decade. Internet-based banking services dominate over other historically provided alternatives. This paper explores the adoption of internet banking in Lithuania and Latvia. Internet banking success model was developed based on…

  7. Finding out about sperm banking: what information is available online for men diagnosed with cancer?

    PubMed

    Merrick, H; Wright, E; Pacey, A A; Eiser, C

    2012-09-01

    Sperm banking is routinely offered to men where there is a risk of infertility following cancer treatment but uptake is lower than expected. Since these men may turn to the internet for information, we used the search engine www.google.com to identify the material available about sperm banking and fertility preservation options. Sixty-six resources (NHS/Private Clinic, Charity, Press Releases, General and Forums/Blogs) fulfilled the criteria for inclusion and were examined for quality including readability, layout and content. The most frequently reported information related to: (1) effects of cancer treatment on fertility (77.3%); (2) reasons to bank sperm (69.7%); and (3) fertility recovery after treatment (57.6%). Information about maintaining contact with the sperm bank (18.2%) and disposal of banked samples (10.6%) was less often included. The quality of information available on the Internet about sperm banking was variable. The readability of all resources was assessed as 'fairly difficult', i.e. reading skills required were too complex for the average member of the public to understand. Furthermore, visual presentation of material (e.g. lay out) did not facilitate easy reading. More attention should be given to information about longer-term issues, such as fertility recovery and the use or disposal of banked sperm.

  8. 12 CFR 7.5009 - Location under 12 U.S.C. 85 of national banks operating exclusively through the Internet.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... operating exclusively through the Internet. 7.5009 Section 7.5009 Banks and Banking COMPTROLLER OF THE... under 12 U.S.C. 85 of national banks operating exclusively through the Internet. For purposes of 12 U.S.C. 85, the main office of a national bank that operates exclusively through the Internet is the...

  9. 12 CFR 7.5009 - Location under 12 U.S.C. 85 of national banks operating exclusively through the Internet.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... operating exclusively through the Internet. 7.5009 Section 7.5009 Banks and Banking COMPTROLLER OF THE... under 12 U.S.C. 85 of national banks operating exclusively through the Internet. For purposes of 12 U.S.C. 85, the main office of a national bank that operates exclusively through the Internet is the...

  10. 12 CFR 7.5009 - Location under 12 U.S.C. 85 of national banks operating exclusively through the Internet.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... operating exclusively through the Internet. 7.5009 Section 7.5009 Banks and Banking COMPTROLLER OF THE... under 12 U.S.C. 85 of national banks operating exclusively through the Internet. For purposes of 12 U.S.C. 85, the main office of a national bank that operates exclusively through the Internet is the...

  11. 12 CFR 7.5009 - Location under 12 U.S.C. 85 of national banks operating exclusively through the Internet.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... operating exclusively through the Internet. 7.5009 Section 7.5009 Banks and Banking COMPTROLLER OF THE... under 12 U.S.C. 85 of national banks operating exclusively through the Internet. For purposes of 12 U.S.C. 85, the main office of a national bank that operates exclusively through the Internet is the...

  12. 12 CFR 7.5009 - Location under 12 U.S.C. 85 of national banks operating exclusively through the Internet.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... operating exclusively through the Internet. 7.5009 Section 7.5009 Banks and Banking COMPTROLLER OF THE... under 12 U.S.C. 85 of national banks operating exclusively through the Internet. For purposes of 12 U.S.C. 85, the main office of a national bank that operates exclusively through the Internet is the...

  13. Direct-to-consumer sales of genetic services on the Internet.

    PubMed

    Gollust, Sarah E; Wilfond, Benjamin S; Hull, Sara Chandros

    2003-01-01

    PURPOSE The increasing use of the Internet to obtain genetics information and to order medical services without a prescription, combined with a rise in direct-to-consumer marketing for genetic testing, suggests the potential for the Internet to be used to sell genetic services. METHODS A systematic World Wide Web search was conducted in May 2002 to assess the availability of genetic services sold directly to consumers on the Internet. RESULTS Out of 105 sites that offered genetic services directly, most offered non-health-related services, including parentage confirmation testing (83%), identity testing (56%), and DNA banking (24%); however, health-related genetic tests were offered through 14 sites (13%). The health-related genetic tests available ranged from standard tests, such as hemochromatosis and cystic fibrosis, to more unconventional tests related to nutrition, behavior, and aging. Of these 14 sites, 5 described risks associated with the genetic services and 6 described the availability of counseling. CONCLUSIONS The availability of direct sales of health-related genetic tests creates the potential for inadequate pretest decision making, misunderstanding test results, and access to tests of questionable clinical value.

  14. Direct-to-consumer sales of genetic services on the Internet

    PubMed Central

    Gollust, Sarah E.; Wilfond, Benjamin S.; Hull, Sara Chandros

    2016-01-01

    Purpose The increasing use of the Internet to obtain genetics information and to order medical services without a prescription, combined with a rise in direct-to-consumer marketing for genetic testing, suggests the potential for the Internet to be used to sell genetic services. Methods A systematic World Wide Web search was conducted in May 2002 to assess the availability of genetic services sold directly to consumers on the Internet. Results Out of 105 sites that offered genetic services directly, most offered non–health-related services, including parentage confirmation testing (83%), identity testing (56%), and DNA banking (24%); however, health-related genetic tests were offered through 14 sites (13%). The health-related genetic tests available ranged from standard tests, such as hemochromatosis and cystic fibrosis, to more unconventional tests related to nutrition, behavior, and aging. Of these 14 sites, 5 described risks associated with the genetic services and 6 described the availability of counseling. Conclusions The availability of direct sales of health-related genetic tests creates the potential for inadequate pretest decision making, misunderstanding test results, and access to tests of questionable clinical value. PMID:12865763

  15. Banking on the Internet.

    ERIC Educational Resources Information Center

    Internet Research, 1996

    1996-01-01

    Electronic ground was broken in 1995 with the development of the completely Internet-based bank Security First Network Bank. This article discusses the need for developing online services, outlines the reasons for the formation of an Internet-based bank and argues that to remain competitive financial services providers must provide easier customer…

  16. 12 CFR 1026.58 - Internet posting of credit card agreements.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 9 2014-01-01 2014-01-01 false Internet posting of credit card agreements. 1026.58 Section 1026.58 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION TRUTH IN LENDING... Students § 1026.58 Internet posting of credit card agreements. (a) Applicability. The requirements of this...

  17. 12 CFR 1026.58 - Internet posting of credit card agreements.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 8 2013-01-01 2013-01-01 false Internet posting of credit card agreements. 1026.58 Section 1026.58 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION TRUTH IN LENDING... Students § 1026.58 Internet posting of credit card agreements. (a) Applicability. The requirements of this...

  18. 12 CFR 1026.58 - Internet posting of credit card agreements.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 8 2012-01-01 2012-01-01 false Internet posting of credit card agreements. 1026.58 Section 1026.58 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION TRUTH IN LENDING... Students § 1026.58 Internet posting of credit card agreements. (a) Applicability. The requirements of this...

  19. The Internet and Services Marketing--The Case of Danish Retail Banking.

    ERIC Educational Resources Information Center

    Mols, Niels Peter

    2000-01-01

    Examines various aspects of the motives, perceptions, and expectations connected with the introduction of Internet banking in Danish retail banking. Responses from questionnaires and results from a factor analysis and a hierarchical cluster analysis indicate a belief that Internet banking will become more important in the future. (Author/LRW)

  20. From the Adam Smith Institute to the Zapatistas: An Internet Gateway to all Development Knowledge.

    ERIC Educational Resources Information Center

    Wilks, Alex

    2002-01-01

    Examines the World Bank Internet initiative, the Development Gateway. Describes the importance of the Bank as a knowledge bank and the threats posed by the Internet to its near monopoly of development thinking. Argues that the initiative reveals biases and misunderstandings in the World Bank's approach to knowledge for development. (CAJ)

  1. Cord blood stem cell banking: a snapshot of the Italian situation.

    PubMed

    Capone, Francesca; Lombardini, Letizia; Pupella, Simonetta; Grazzini, Giuliano; Costa, Alessandro Nanni; Migliaccio, Giovanni

    2011-09-01

    In Italy, the law does not permit the setting up of private banks to preserve cord blood (CB) stem cells for personal use. However, since 2007 the right to export and preserve them in private laboratories located outside Italy has existed, and an increasing number of women are requesting this collection of umbilical CB at delivery to enable storage of stem cells for autologous use. Since private banks recruit clients mainly via the Internet, we examined the content of 24 Italian-language websites that offer stem cells storage (from CB or amniotic fluid), to assess what information is available. We found that the majority of private banks give no clear information about the procedures of collection, processing, and banking of CB units and that the standards offered by private CB banks strongly differ in terms of exclusion or acceptance criteria from the public banks. These factors may well influence the overall quality of the CB units stored in private CB banks. Of note, during the period 2007 to 2009, the number collected for autologous use did not create a downward trend on the number of units stored in public CB banks for allogeneic use. CB is a valuable community resource but expectant parents should be better informed as to the quality variables necessary for its storage, both by institutions and by professionals. Currently, most of the advertising is insufficient to justify the expense and the hopes pinned on autologous use of CB stem cells. © 2011 American Association of Blood Banks.

  2. Virtual microscopy in virtual tumor banking.

    PubMed

    Isabelle, M; Teodorovic, I; Oosterhuis, J W; Riegman, P H J; Passioukov, A; Lejeune, S; Therasse, P; Dinjens, W N M; Lam, K H; Oomen, M H A; Spatz, A; Ratcliffe, C; Knox, K; Mager, R; Kerr, D; Pezzella, F; Van Damme, B; Van de Vijver, M; Van Boven, H; Morente, M M; Alonso, S; Kerjaschki, D; Pammer, J; López-Guerrero, J A; Llombart-Bosch, A; Carbone, A; Gloghini, A; Van Veen, E B

    2006-01-01

    Many systems have already been designed and successfully used for sharing histology images over large distances, without transfer of the original glass slides. Rapid evolution was seen when digital images could be transferred over the Internet. Nowadays, sophisticated virtual microscope systems can be acquired, with the capability to quickly scan large batches of glass slides at high magnification and compress and store the large images on disc, which subsequently can be consulted through the Internet. The images are stored on an image server, which can give simple, easy to transfer pictures to the user specifying a certain magnification on any position in the scan. This offers new opportunities in histology review, overcoming the necessity of the dynamic telepathology systems to have compatible software systems and microscopes and in addition, an adequate connection of sufficient bandwidth. Consulting the images now only requires an Internet connection and a computer with a high quality monitor. A system of complete pathology review supporting biorepositories is described, based on the implementation of this technique in the European Human Frozen Tumor Tissue Bank (TuBaFrost).

  3. TuBaFrost 6: virtual microscopy in virtual tumour banking.

    PubMed

    Teodorovic, I; Isabelle, M; Carbone, A; Passioukov, A; Lejeune, S; Jaminé, D; Therasse, P; Gloghini, A; Dinjens, W N M; Lam, K H; Oomen, M H A; Spatz, A; Ratcliffe, C; Knox, K; Mager, R; Kerr, D; Pezzella, F; van Damme, B; van de Vijver, M; van Boven, H; Morente, M M; Alonso, S; Kerjaschki, D; Pammer, J; Lopez-Guerrero, J A; Llombart Bosch, A; van Veen, E-B; Oosterhuis, J W; Riegman, P H J

    2006-12-01

    Many systems have already been designed and successfully used for sharing histology images over large distances, without transfer of the original glass slides. Rapid evolution was seen when digital images could be transferred over the Internet. Nowadays, sophisticated Virtual Microscope systems can be acquired, with the capability to quickly scan large batches of glass slides at high magnification and compress and store the large images on disc, which subsequently can be consulted through the Internet. The images are stored on an image server, which can give simple, easy to transfer pictures to the user specifying a certain magnification on any position in the scan. This offers new opportunities in histology review, overcoming the necessity of the dynamic telepathology systems to have compatible software systems and microscopes and in addition, an adequate connection of sufficient bandwidth. Consulting the images now only requires an Internet connection and a computer with a high quality monitor. A system of complete pathology review supporting bio-repositories is described, based on the implementation of this technique in the European Human Frozen Tumor Tissue Bank (TuBaFrost).

  4. The Internet and the Banks' Strategic Distribution Channel Decisions.

    ERIC Educational Resources Information Center

    Mols, Niels Peter

    1998-01-01

    Discusses two strategic distribution channel decisions facing banks, one regarding whether to target the Internet banking segment of customers versus the branch banking segment, and the other regarding the geographical area banks aim to serve. Future distribution channels, the change process, and local, national, and international strategies are…

  5. An Exploratory Study into the Adoption of Internet Banking in Mainland China

    ERIC Educational Resources Information Center

    Chen, Lisa

    2012-01-01

    Given that the Chinese economy has experienced rapid growth over the last decade, developing Internet banking and transforming traditional lines of products into web sites beyond "brick and mortar" local branches will be the main drivers for both Chinese banks and foreign banks to tap into the available of Chinese savings. The primary…

  6. Why Customers Use or Do Not Use Internet Banking: A Case Study of a Community Bank

    ERIC Educational Resources Information Center

    Beadnell, Stephen Allen

    2014-01-01

    The banking industry is being challenged by shareholders and consumers to provide its products in the most efficient manner, provide good customer service, and earn a fair profit. Although the infrastructure is in place to serve most customers through Internet banking, the number of customers using this channel is less than expected. The purpose…

  7. 12 CFR 404.1 - General provisions.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... subpart B of this part also shall be processed under this subpart A. (d) Ex-Im Bank Internet site. Ex-Im Bank maintains an Internet site at http://www.exim.gov. The site contains information on Ex-Im Bank functions, activities, programs, and transactions. Web site visitors have access to Board of Directors and...

  8. Household Everyday Functioning in the Internet Age: Online Shopping and Banking Skills Are Affected in HIV-Associated Neurocognitive Disorders.

    PubMed

    Woods, Steven Paul; Iudicello, Jennifer E; Morgan, Erin E; Verduzco, Marizela; Smith, Tyler V; Cushman, Clint

    2017-08-01

    The Internet is a fundamental tool for completing many different instrumental activities of daily living (IADL), including shopping and banking. Persons with HIV-associated Neurocognitive Disorders (HAND) are at heightened risk for IADL problems, but the extent to which HAND interferes with the performance of Internet-based household IADLs is not known. Ninety-three individuals with HIV disease, 43 of whom were diagnosed with HAND, and 42 HIV- comparison participants completed Internet-based tests of shopping and banking. Participants used mock credentials to log in to an experimenter-controlled Web site and independently performed a series of typical online shopping (e.g., purchasing household goods) and banking (e.g., transferring funds between accounts) tasks. Individuals with HAND were significantly more likely to fail the online shopping task than neurocognitively normal HIV+ and HIV- participants. HAND was also associated with poorer overall performance versus HIV+ normals on the online banking task. In the HAND group, Internet-based task scores were correlated with episodic memory, executive functions, motor skills, and numeracy. In the HIV+ sample as a whole, lower Internet-based task scores were uniquely associated with poorer performance-based functional capacity and self-reported declines in shopping and financial management in daily life, but not with global manifest functional status. Findings indicate that HAND is associated with difficulties in using the Internet to complete important household everyday functioning tasks. The development and validation of effective Internet training and compensatory strategies may help to improve the household management of persons with HAND. (JINS, 2017, 23, 605-615).

  9. Trends and tips for online recruiting and job hunts.

    PubMed

    Franz, D

    1999-01-01

    The Internet is providing new ways to find a new job or a great job candidate. Online job banks can make searches easy, but it's best to have a sense of what type of job bank will best serve your purposes. This article describes six different business models employed by Internet job banks and outlines their advantages and disadvantages. A list of online resources is included.

  10. The modern library: lost and found.

    PubMed Central

    Lindberg, D A

    1996-01-01

    The modern library, a term that was heard frequently in the mid-twentieth century, has fallen into disuse. The over-promotion of computers and all that their enthusiasts promised probably hastened its demise. Today, networking is transforming how libraries provide--and users seek--information. Although the Internet is the natural environment for the health sciences librarian, it is going through growing pains as we face issues of censorship and standards. Today's "modern librarian" must not only be adept at using the Internet but must become familiar with digital information in all its forms--images, full text, and factual data banks. Most important, to stay "modern," today's librarians must embark on a program of lifelong learning that will enable them to make optimum use of the advantages offered by modern technology. PMID:8938334

  11. JANIS 4: An Improved Version of the NEA Java-based Nuclear Data Information System

    NASA Astrophysics Data System (ADS)

    Soppera, N.; Bossant, M.; Dupont, E.

    2014-06-01

    JANIS is software developed to facilitate the visualization and manipulation of nuclear data, giving access to evaluated data libraries, and to the EXFOR and CINDA databases. It is stand-alone Java software, downloadable from the web and distributed on DVD. Used offline, the system also makes use of an internet connection to access the NEA Data Bank database. It is now also offered as a full web application, only requiring a browser. The features added in the latest version of the software and this new web interface are described.

  12. JANIS 4: An Improved Version of the NEA Java-based Nuclear Data Information System

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

    Soppera, N., E-mail: nicolas.soppera@oecd.org; Bossant, M.; Dupont, E.

    JANIS is software developed to facilitate the visualization and manipulation of nuclear data, giving access to evaluated data libraries, and to the EXFOR and CINDA databases. It is stand-alone Java software, downloadable from the web and distributed on DVD. Used offline, the system also makes use of an internet connection to access the NEA Data Bank database. It is now also offered as a full web application, only requiring a browser. The features added in the latest version of the software and this new web interface are described.

  13. Acceptance of Internet Banking Systems among Young Managers

    NASA Astrophysics Data System (ADS)

    Ariff, Mohd Shoki Md; M, Yeow S.; Zakuan, Norhayati; Zaidi Bahari, Ahamad

    2013-06-01

    The aim of this paper is to determine acceptance of internet banking system among potential young users, specifically future young managers. The relationships and the effects of computer self-efficacy (CSE) and extended technology acceptance model (TAM) on the behavioural intention (BI) to use internet banking system were examined. Measurement of CSE, TAM and BI were adapted from previous studies. However construct for TAM has been extended by adding a new variable which is perceived credibility (PC). A survey through questionnaire was conducted to determine the acceptance level of CSE, TAM and BI. Data were obtained from 275 Technology Management students, who are pursuing their undergraduate studies in a Malaysia's public university. The confirmatory factor analysis performed has identified four variables as determinant factors of internet banking acceptance. The first variable is computer self-efficacy (CSE), and another three variables from TAM constructs which are perceived usefulness (PU), perceived ease of use (PE) and perceived credibility (PC). The finding of this study indicated that CSE has a positive effect on PU and PE of the Internet banking systems. Respondents' CSE was positively affecting their PC of the systems, indicating that the higher the ability of one in computer skills, the higher the security and privacy issues of PC will be concerned. The multiple regression analysis indicated that only two construct of TAM; PU and PC were significantly associated with BI. It was found that the future managers' CSE indirectly affects their BI to use the internet banking systems through PU and PC of TAM. TAM was found to have direct effects on respondents' BI to use the systems. Both CSE and the PU and PC of TAM were good predictors in understanding individual responses to information technology. The role of PE of the original TAM to predict the attitude of users towards the use of information technology systems was surprisingly insignificant.

  14. 12 CFR 233.4 - Exemptions.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 4 2014-01-01 2014-01-01 false Exemptions. 233.4 Section 233.4 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED) PROHIBITION ON FUNDING OF UNLAWFUL INTERNET GAMBLING (REGULATION GG) § 233.4 Exemptions. (a) Automated...

  15. 12 CFR 233.4 - Exemptions.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 4 2012-01-01 2012-01-01 false Exemptions. 233.4 Section 233.4 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED) PROHIBITION ON FUNDING OF UNLAWFUL INTERNET GAMBLING (REGULATION GG) § 233.4 Exemptions. (a) Automated...

  16. 12 CFR 233.7 - Regulatory enforcement.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 4 2013-01-01 2013-01-01 false Regulatory enforcement. 233.7 Section 233.7 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED) PROHIBITION ON FUNDING OF UNLAWFUL INTERNET GAMBLING (REGULATION GG) § 233.7 Regulatory...

  17. 12 CFR 233.4 - Exemptions.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 4 2013-01-01 2013-01-01 false Exemptions. 233.4 Section 233.4 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED) PROHIBITION ON FUNDING OF UNLAWFUL INTERNET GAMBLING (REGULATION GG) § 233.4 Exemptions. (a) Automated...

  18. 12 CFR 233.7 - Regulatory enforcement.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 4 2012-01-01 2012-01-01 false Regulatory enforcement. 233.7 Section 233.7 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED) PROHIBITION ON FUNDING OF UNLAWFUL INTERNET GAMBLING (REGULATION GG) § 233.7 Regulatory...

  19. 12 CFR 233.7 - Regulatory enforcement.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 4 2014-01-01 2014-01-01 false Regulatory enforcement. 233.7 Section 233.7 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED) PROHIBITION ON FUNDING OF UNLAWFUL INTERNET GAMBLING (REGULATION GG) § 233.7 Regulatory...

  20. 12 CFR 233.4 - Exemptions.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 3 2011-01-01 2011-01-01 false Exemptions. 233.4 Section 233.4 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM PROHIBITION ON FUNDING OF UNLAWFUL INTERNET GAMBLING (REGULATION GG) § 233.4 Exemptions. (a) Automated clearing house...

  1. 12 CFR 233.7 - Regulatory enforcement.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 3 2011-01-01 2011-01-01 false Regulatory enforcement. 233.7 Section 233.7 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM PROHIBITION ON FUNDING OF UNLAWFUL INTERNET GAMBLING (REGULATION GG) § 233.7 Regulatory enforcement. The...

  2. 12 CFR 233.4 - Exemptions.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Exemptions. 233.4 Section 233.4 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM PROHIBITION ON FUNDING OF UNLAWFUL INTERNET GAMBLING (REGULATION GG) § 233.4 Exemptions. (a) Automated clearing house...

  3. 12 CFR 233.7 - Regulatory enforcement.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Regulatory enforcement. 233.7 Section 233.7 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM PROHIBITION ON FUNDING OF UNLAWFUL INTERNET GAMBLING (REGULATION GG) § 233.7 Regulatory enforcement. The...

  4. 12 CFR 192.300 - What must happen before the appropriate Federal banking agency declares my offering circular...

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 1 2013-01-01 2013-01-01 false What must happen before the appropriate Federal banking agency declares my offering circular effective? 192.300 Section 192.300 Banks and Banking... Conversions Offering Circular § 192.300 What must happen before the appropriate Federal banking agency...

  5. 12 CFR 563g.21 - Filing of copies of offering circulars in certain exempt offerings.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Filing of copies of offering circulars in certain exempt offerings. 563g.21 Section 563g.21 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY SECURITIES OFFERINGS § 563g.21 Filing of copies of offering circulars in certain...

  6. 12 CFR 233.3 - Designated payment systems.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 4 2013-01-01 2013-01-01 false Designated payment systems. 233.3 Section 233.3 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED) PROHIBITION ON FUNDING OF UNLAWFUL INTERNET GAMBLING (REGULATION GG) § 233.3 Designated payment...

  7. 12 CFR 233.3 - Designated payment systems.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 4 2014-01-01 2014-01-01 false Designated payment systems. 233.3 Section 233.3 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED) PROHIBITION ON FUNDING OF UNLAWFUL INTERNET GAMBLING (REGULATION GG) § 233.3 Designated payment...

  8. 12 CFR 233.3 - Designated payment systems.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 4 2012-01-01 2012-01-01 false Designated payment systems. 233.3 Section 233.3 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED) PROHIBITION ON FUNDING OF UNLAWFUL INTERNET GAMBLING (REGULATION GG) § 233.3 Designated payment...

  9. 12 CFR 233.3 - Designated payment systems.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Designated payment systems. 233.3 Section 233.3 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM PROHIBITION ON FUNDING OF UNLAWFUL INTERNET GAMBLING (REGULATION GG) § 233.3 Designated payment systems. The...

  10. 12 CFR 233.3 - Designated payment systems.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 3 2011-01-01 2011-01-01 false Designated payment systems. 233.3 Section 233.3 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM PROHIBITION ON FUNDING OF UNLAWFUL INTERNET GAMBLING (REGULATION GG) § 233.3 Designated payment systems. The...

  11. Factors Affecting Mobile Banking Adoption in the United States

    ERIC Educational Resources Information Center

    Engwanda, Michel Ndongola

    2014-01-01

    Mobile banking (m-banking) allows consumers to conduct financial transactions without temporal and spatial constraints through Internet-enabled mobile devices such as smartphones. The adoption patterns are of particular research interest because m-banking penetration has been relatively low even though smartphones are the most dominant forms of…

  12. 12 CFR 614.4595 - Public disclosure about OFIs.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Public disclosure about OFIs. 614.4595 Section 614.4595 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS... the public the name, address, telephone number, and Internet Web site address of any affiliated OFI...

  13. 12 CFR 563g.2 - Offering circular requirement.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Offering circular requirement. 563g.2 Section 563g.2 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY SECURITIES OFFERINGS § 563g.2 Offering circular requirement. (a) General. No savings association shall offer or sell, directly...

  14. 12 CFR 563g.8 - Use of the offering circular.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Use of the offering circular. 563g.8 Section 563g.8 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY SECURITIES OFFERINGS § 563g.8 Use of the offering circular. (a) An offering circular or amendment declared effective by the...

  15. 12 CFR 563g.16 - Delayed or continuous offering and sale of securities.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Delayed or continuous offering and sale of securities. 563g.16 Section 563g.16 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY SECURITIES OFFERINGS § 563g.16 Delayed or continuous offering and sale of securities. Any offer or...

  16. Legal Considerations of Internet Use--Issues To Be Addressed.

    ERIC Educational Resources Information Center

    Thomas, Daphyne Saunders; Forcht, Karen A.; Counts, Peter

    1998-01-01

    Explores issues related to legal considerations of the widespread use of the Internet worldwide. Topics considered include: e-mail; data theft and piracy; search and seizure; electronic banking; offensive behavior; liability; copyright infringement; laws regulating the Internet; and the Telecommunications Act. (PEN)

  17. Closing the "Know-Do" Gap: eHealth Strategies for the Global South.

    PubMed

    2008-01-01

    For years, the Internet has been the new black, the "in" thing, the must have. And the virtual fever is spreading. According to the World Bank, global Internet use more than quadrupled between 2000 and 2005, from 15 users per 1000 population to 67.[1] Yet, many Global South countries are stalled on the Information Superhighway: the same World Bank report found that only 15 per 1000 population in sub-Saharan Africa are connected to the Internet, and only 21 per1000 in South Asia. To say nothing of glaring access inequalities within countries, lack of foreign investment in the communications sector of developing nations, and deficient connectivity in key areas of national infrastructure - schools, government centers, and health facilities. Yet the same World Bank report noted that eHealth initiatives ranked last in a list of technology strategies among countries surveyed.[1].

  18. User Acceptance of Internet Banking Service in Malaysia

    NASA Astrophysics Data System (ADS)

    Yenyuen, Yee; Yeow, P. H. P.

    The study is the first research in Malaysia that investigates user acceptance of Internet banking service (IBS) based on Unified Theory of Acceptance and Use of Technology model (Venkatesh, Morris, Davis and Davis, 2003). Two hundred and eighty questionnaires were distributed and collected from two major cities, Kuala Lumpur and Melaka. Descriptive statistics was used to analyse the data. The results show that Malaysians have intentions of using IBS (mean rating of close to 4.00). Moreover, Malaysians recognize the benefits of IBS by giving a high mean rating (close to 4.00) to performance expectancy. However, they give relative low mean ratings (close to 3.00) on other indicators of Behavioural Intention to Use IBS such as effort expectancy, social influence, facilitating conditions and perceived credibility. Recommendations were given to promote a safe, efficient and conducive environment for user adoption of Internet banking.

  19. 12 CFR 239.58 - Offering circular.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 4 2014-01-01 2014-01-01 false Offering circular. 239.58 Section 239.58 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED) MUTUAL HOLDING COMPANIES (REGULATION MM) Conversions From Mutual to Stock Form § 239.58 Offering...

  20. 12 CFR 239.58 - Offering circular.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 4 2013-01-01 2013-01-01 false Offering circular. 239.58 Section 239.58 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED) MUTUAL HOLDING COMPANIES (REGULATION MM) Conversions From Mutual to Stock Form § 239.58 Offering...

  1. 12 CFR 239.58 - Offering circular.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 4 2012-01-01 2012-01-01 false Offering circular. 239.58 Section 239.58 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED) MUTUAL HOLDING COMPANIES (REGULATION MM) Conversions from Mutual to Stock Form § 239.58 Offering...

  2. 12 CFR Appendix A to Part 233 - Model Notice

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... FUNDING OF UNLAWFUL INTERNET GAMBLING (REGULATION GG) Part 233, App. A Appendix A to Part 233—Model Notice [Date] [Name of foreign sender or foreign banking office] [Address] Re: U.S. Unlawful Internet Gambling... that your institution processed payments through our facilities for Internet gambling transactions...

  3. 12 CFR Appendix A to Part 233 - Model Notice

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... FUNDING OF UNLAWFUL INTERNET GAMBLING (REGULATION GG) Part 233, App. A Appendix A to Part 233—Model Notice [Date] [Name of foreign sender or foreign banking office] [Address] Re: U.S. Unlawful Internet Gambling... that your institution processed payments through our facilities for Internet gambling transactions...

  4. Pregnant women's knowledge and attitudes about stem cells and cord blood banking.

    PubMed

    Dinç, H; Sahin, N H

    2009-06-01

    This study was to determine pregnant women's knowledge and attitudes towards stem cells and cord blood banking in Istanbul, Turkey. Stem cell research is one of the most important and, at the same time, the most controversial topics of science and technology today. Nurses need to understand stem cell research so they can enter the debate on this issue. They can become important sources of information in order to help parents understand the issues. This exploratory descriptive study was conducted in two antenatal outpatient clinics in Istanbul. The sample consisted of 334 pregnant women during routine prenatal visits. Data were collected in interviews by using an interview form developed by the researchers according to the literature. The form included demographic characteristics of participants and 20 questions about stem cells, storing cord blood and banking and 10 independent attitude statements. The majority of the participants had a lack of knowledge about stem cells and cord blood banking and wanted more information. Before pregnancy, they received some information through the media (newspaper, Internet, television, etc.), but unintentionally. It was determined that they wanted information before becoming pregnant, more from their obstetrician but also from nurses and midwives. The majority also wanted to store their infants' cord blood and stated that they would be more likely to choose a public cord blood bank. Those giving ante- and perinatal care need to offer accurate and scientific counselling services on this subject to parents who need to be informed.

  5. 12 CFR 563g.9 - Escrow requirement.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Escrow requirement. 563g.9 Section 563g.9 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY SECURITIES OFFERINGS § 563g.9 Escrow requirement. (a) Any funds received in an offering which is offered and sold on a best efforts all...

  6. 17 CFR 240.14b-2 - Obligation of banks, associations and other entities that exercise fiduciary powers in connection...

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... statement, information statement, or Notice of Internet Availability of Proxy Materials to more than one... annual reports to security holders, proxy statements, and Notices of Internet Availability of Proxy..., and Notices of Internet Availability of Proxy Materials) applicable to registrants, with the exception...

  7. 17 CFR 240.14b-2 - Obligation of banks, associations and other entities that exercise fiduciary powers in connection...

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... statement, information statement, or Notice of Internet Availability of Proxy Materials to more than one... annual reports to security holders, proxy statements, and Notices of Internet Availability of Proxy..., and Notices of Internet Availability of Proxy Materials) applicable to registrants, with the exception...

  8. 17 CFR 240.14b-2 - Obligation of banks, associations and other entities that exercise fiduciary powers in connection...

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... statement, information statement, or Notice of Internet Availability of Proxy Materials to more than one... annual reports to security holders, proxy statements, and Notices of Internet Availability of Proxy..., and Notices of Internet Availability of Proxy Materials) applicable to registrants, with the exception...

  9. 17 CFR 240.14b-2 - Obligation of banks, associations and other entities that exercise fiduciary powers in connection...

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... statement, information statement, or Notice of Internet Availability of Proxy Materials to more than one... annual reports to security holders, proxy statements, and Notices of Internet Availability of Proxy..., and Notices of Internet Availability of Proxy Materials) applicable to registrants, with the exception...

  10. 17 CFR 240.14b-2 - Obligation of banks, associations and other entities that exercise fiduciary powers in connection...

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... statement, information statement, or Notice of Internet Availability of Proxy Materials to more than one... annual reports to security holders, proxy statements, and Notices of Internet Availability of Proxy..., and Notices of Internet Availability of Proxy Materials) applicable to registrants, with the exception...

  11. 31 CFR Appendix A to Part 132 - Model Notice

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... INTERNET GAMBLING Pt. 132, App. A Appendix A to Part 132—Model Notice [Date] [Name of foreign sender or foreign banking office] [Address] Re: U.S. Unlawful Internet Gambling Enforcement Act Notice Dear [Name of... payments through our facilities for Internet gambling transactions restricted by U.S. law on [dates...

  12. The Use of the Internet for Business: The Experience of Early Adopters in Singapore.

    ERIC Educational Resources Information Center

    Soh, Christina; Mah, Quee Yong; Gan, Fong Jek; Chew, Daniel; Reid, Edna

    1997-01-01

    A survey of Singapore-based firms in computer/information technology, hospitality, manufacturing, retail, travel, publishing, and banking/finance that use the Internet for business found that most of the respondents use the Internet for marketing and advertising, customer service and support, information gathering, and, to a lesser degree,…

  13. 12 CFR 16.9 - Securities offered and sold in holding company dissolution.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... dissolution. 16.9 Section 16.9 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY SECURITIES OFFERING DISCLOSURE RULES § 16.9 Securities offered and sold in holding company dissolution. Offers and sales of bank issued securities in connection with the dissolution of the holding company of...

  14. 12 CFR 16.9 - Securities offered and sold in holding company dissolution.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... dissolution. 16.9 Section 16.9 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY SECURITIES OFFERING DISCLOSURE RULES § 16.9 Securities offered and sold in holding company dissolution. Offers and sales of bank issued securities in connection with the dissolution of the holding company of...

  15. 12 CFR 16.9 - Securities offered and sold in holding company dissolution.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... dissolution. 16.9 Section 16.9 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY SECURITIES OFFERING DISCLOSURE RULES § 16.9 Securities offered and sold in holding company dissolution. Offers and sales of bank issued securities in connection with the dissolution of the holding company of...

  16. 12 CFR 16.9 - Securities offered and sold in holding company dissolution.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... dissolution. 16.9 Section 16.9 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY SECURITIES OFFERING DISCLOSURE RULES § 16.9 Securities offered and sold in holding company dissolution. Offers and sales of bank issued securities in connection with the dissolution of the holding company of...

  17. 12 CFR 16.9 - Securities offered and sold in holding company dissolution.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... dissolution. 16.9 Section 16.9 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY SECURITIES OFFERING DISCLOSURE RULES § 16.9 Securities offered and sold in holding company dissolution. Offers and sales of bank issued securities in connection with the dissolution of the holding company of...

  18. Virtual Brain Bank a public collection of classified head MRI

    NASA Astrophysics Data System (ADS)

    Barrios, Fernando A.

    2000-10-01

    In this work I present the effort at the Neurobiology Center for creating a digital Brain Bank, a collection of well classified human brains that are used for teaching and research, this bank will be based in a collection of high resolution three dimensional head MRI. For this reason this bank is being named "virtual" and eventually will be of public access though a WEB page in the INTERNET.

  19. 12 CFR 563.76 - Offers and sales of securities at an office of a savings association.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 6 2013-01-01 2012-01-01 true Offers and sales of securities at an office of a savings association. 563.76 Section 563.76 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF... conversion stock offering. (b) Securities sales practices, advertisements, and other sales literature used in...

  20. 12 CFR 563.76 - Offers and sales of securities at an office of a savings association.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 6 2014-01-01 2012-01-01 true Offers and sales of securities at an office of a savings association. 563.76 Section 563.76 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF... conversion stock offering. (b) Securities sales practices, advertisements, and other sales literature used in...

  1. 78 FR 16856 - FDIC Advisory Committee on Community Banking; Notice of Meeting

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-03-19

    ... viewing, a high speed Internet connection is recommended. The Community Banking meeting videos are made... Insurance Corporation. Valerie J. Best, Assistant Executive Secretary. [FR Doc. 2013-06272 Filed 3-18-13; 8...

  2. Securing the Internet frontier.

    PubMed

    Morrissey, J

    1996-10-21

    Just as in the Wild West, security strategies are being mobilized for the untamed Internet frontier. Technology developed by settlers from the banking and merchandising industries is being retooled for healthcare, where security-conscious industries see a big market opportunity.

  3. 12 CFR 192.405 - How do I extend the offering period?

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 1 2014-01-01 2014-01-01 false How do I extend the offering period? 192.405... MUTUAL TO STOCK FORM Standard Conversions Completion of the Offering § 192.405 How do I extend the... indicate that the appropriate Federal banking agency extended the offering period and that each person who...

  4. 12 CFR 192.405 - How do I extend the offering period?

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 1 2013-01-01 2013-01-01 false How do I extend the offering period? 192.405... MUTUAL TO STOCK FORM Standard Conversions Completion of the Offering § 192.405 How do I extend the... indicate that the appropriate Federal banking agency extended the offering period and that each person who...

  5. 12 CFR 192.405 - How do I extend the offering period?

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 1 2012-01-01 2012-01-01 false How do I extend the offering period? 192.405... MUTUAL TO STOCK FORM Standard Conversions Completion of the Offering § 192.405 How do I extend the... indicate that the appropriate Federal banking agency extended the offering period and that each person who...

  6. DNA Sequences over the Internet Provide Greater Speed and Accuracy for Health Sciences Reference Librarians.

    ERIC Educational Resources Information Center

    Harzbecker, Joseph, Jr.

    1993-01-01

    Describes the National Institute of Health's GenBank DNA sequence database and how it can be accessed through the Internet. A real reference question, which was answered successfully using the database, is reproduced to illustrate and elaborate on the potential of the Internet for information retrieval. (10 references) (KRN)

  7. E-commerce and its Impact on Logistics Requirements

    NASA Astrophysics Data System (ADS)

    Zákorová, Eva

    2017-05-01

    The contribution will focus on the development of e-commerce. The extent of the development of internet by age category will be assessed and the development of this factor will be monitored by correlation analysis. Analysis of logistics operators will be performed in the field courier, express and parcel shipments. Market competitiveness B2C will focus on flexibility in delivery, evening delivery or on weekends, term delivery (increasing the cost of tracking shipments and their records), use and offering banking products with secure payment system, readiness deliver the goods via its own fueling point. On the contrary, legal provision regulating the entrance to the parking are, entrance into pedestrian zone service may limit or prevent.

  8. Sustains--direct access for the patient to the medical record over the Internet.

    PubMed

    Eklund, Benny; Joustra-Enquist, Ingrid

    2004-01-01

    The basic idea of Sustains III is to emulate the Internet banking for Health Care. Instead of an "Internet Bank Account" the user has a "Health Care Account". The user logs in using a One Time Password which is sent to the user's mobile phone as an SMS, three seconds after the PIN code is entered. Thus personal information can be transferred both ways in a secure way, with acceptable privacy. The user can then explore the medical record in detail. Also get full and complete list of prescriptions, lab-result etc. It's also an easy way of exchange written information between the doctor and the patient. So far Sustains has showed that patients are very satisfied and is also beneficial for the physicians.

  9. 12 CFR 239.60 - Completion of the offering.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 4 2012-01-01 2012-01-01 false Completion of the offering. 239.60 Section 239.60 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED) MUTUAL HOLDING COMPANIES (REGULATION MM) Conversions from Mutual to Stock Form § 239...

  10. 12 CFR 239.60 - Completion of the offering.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 4 2013-01-01 2013-01-01 false Completion of the offering. 239.60 Section 239.60 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED) MUTUAL HOLDING COMPANIES (REGULATION MM) Conversions From Mutual to Stock Form § 239...

  11. 12 CFR 239.60 - Completion of the offering.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 4 2014-01-01 2014-01-01 false Completion of the offering. 239.60 Section 239.60 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED) MUTUAL HOLDING COMPANIES (REGULATION MM) Conversions From Mutual to Stock Form § 239...

  12. Failure and Success of Jihadi Information Operations on the Internet

    DTIC Science & Technology

    2013-12-01

    governmental organizations, some financial organizations, like the Islamic Development Bank amongst others, motivated by the proclaimed Islamic...Islamic financial institutions in Albania, the Arab-Albanian Bank and the Malaysian Bank of Albania, along with several private companies having Arab...Peshkopi, all tiny towns with high unemployment rates. Yasin Al-Qadi, Saudi, and Abdul Latif Saleh, indicted in the early 2000s for terrorism financing

  13. 12 CFR 7.5004 - Sale of excess electronic capacity and by-products.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... bank's needs for banking purposes include: (1) Data processing services; (2) Production and distribution of non-financial software; (3) Providing periodic back-up call answering services; (4) Providing full Internet access; (5) Providing electronic security system support services; (6) Providing long...

  14. Assessment of Technologies for Forensic Auditing to Combat Money Laundering in the U.S. Banking Industry

    DTIC Science & Technology

    1999-12-17

    Officer. 5 years. (Referred to as: Federal Bank Examiner) Respondent #5: Former FBI Supervisory Agent, Asian Organized Crime & La Cosa Nostra. 18 years...controlled by "Mr. Big" at Internet banks that accept cyber- cash.11 To be safe, Larry has these transfers limited to a maximum of $8,000 each. Once...difficult if not impossible for government authorities to monitor or detect. Therefore, bank auditors become the de facto mainline of defense

  15. 12 CFR 205.18 - Requirements for financial institutions offering payroll card accounts.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 2 2011-01-01 2011-01-01 false Requirements for financial institutions offering payroll card accounts. 205.18 Section 205.18 Banks and Banking FEDERAL RESERVE SYSTEM BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM ELECTRONIC FUND TRANSFERS (REGULATION E) § 205.18 Requirements for...

  16. 12 CFR 563g.3 - Exemptions.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Exemptions. 563g.3 Section 563g.3 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY SECURITIES OFFERINGS § 563g.3 Exemptions... non-public offering which satisfies the requirements of § 563g.4 of this part; (e) That are debt...

  17. 12 CFR 563g.18 - Current and periodic reports.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Current and periodic reports. 563g.18 Section 563g.18 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY SECURITIES OFFERINGS § 563g.18 Current and periodic reports. (a) Each savings association which files an offering circular...

  18. 12 CFR 563g.13 - Public disclosure and confidential treatment.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Public disclosure and confidential treatment. 563g.13 Section 563g.13 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY SECURITIES OFFERINGS § 563g.13 Public disclosure and confidential treatment. (a) Any offering circular...

  19. 12 CFR 563g.11 - Withdrawal or abandonment.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Withdrawal or abandonment. 563g.11 Section 563g.11 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY SECURITIES OFFERINGS § 563g.11 Withdrawal or abandonment. (a) Any offering circular, amendment, or exhibit may be withdrawn...

  20. 12 CFR 239.59 - Offers and sales of stock.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 4 2012-01-01 2012-01-01 false Offers and sales of stock. 239.59 Section 239.59 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED) MUTUAL HOLDING COMPANIES (REGULATION MM) Conversions from Mutual to Stock Form § 239...

  1. 12 CFR 239.59 - Offers and sales of stock.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 4 2013-01-01 2013-01-01 false Offers and sales of stock. 239.59 Section 239.59 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED) MUTUAL HOLDING COMPANIES (REGULATION MM) Conversions From Mutual to Stock Form § 239...

  2. 12 CFR 239.59 - Offers and sales of stock.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 4 2014-01-01 2014-01-01 false Offers and sales of stock. 239.59 Section 239.59 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED) MUTUAL HOLDING COMPANIES (REGULATION MM) Conversions From Mutual to Stock Form § 239...

  3. Customer Loyalty in Virtual Environments: An Empirical Study in e-Bank

    NASA Astrophysics Data System (ADS)

    Chao, Yu; Lee, Gin-Yuan; Ho, Yung-Ching

    2009-08-01

    The advent of e-commerce has increased the importance of consumer financing operations. Internet banking helps banks to develop relationship marketing, thus improve customer loyalty. This study proposes a research framework to examine the relationships among e-service quality, customer satisfaction, customer trust and e-loyalty in e-bank in Taiwan. Data are collected through a survey using a structured questionnaire. The 442 valid respondents who have experience with e-bank are analyzed by partial least squares structural equation modeling (PLS-SEM) method. The managerial implication is e-bank must focus on e-service quality to increase customer satisfaction and trust for obtaining the e-loyalty.

  4. 11 CFR 100.28 - Telephone bank (2 U.S.C. 431(24)).

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... telephone calls of an identical or substantially similar nature within any 30-day period. A telephone bank does not include electronic mail or Internet communications transmitted over telephone lines. For purposes of this section, substantially similar includes communications that include substantially the same...

  5. Data mining the PDB for glyco-related data.

    PubMed

    Lütteke, Thomas; von der Lieth, Claus W

    2009-01-01

    The 3D structural data of glycoprotein or protein-carbohydrate complexes that are found in the Protein Data Bank (PDB) are an interesting data source for glycobiologists. Unfortunately, carbohydrate components are difficult to find with the means provided by the PDB. The GLYCOSCIENCES.de internet portal offers a variety of tools and databases to locate and analyze these structures. This chapter describes how to find PDB entries that feature a specific carbohydrate structure and how to locate carbohydrate residues in a 3D structure file and to check their consistency. In addition to this, methods to statistically analyze torsion angles and the abundance of amino acids both in the neighborhood of glycosylation sites and in the spatial vicinity of non-covalently bound carbohydrate chains are summarized.

  6. Development of protected endorsement for online banking using mobile phones

    NASA Astrophysics Data System (ADS)

    Narayana, Galla; Venkateswarlu, Tammineni; Kumar, G. S. P.; Padmavathamma, Mokkala; Sreekanth, G.; Delhibabu, K.; Prasad, A. R.

    2013-03-01

    Securing Online Banking transactions for customer is the primary goal of financial institutions that provides Internet banking facility. Mobile phones play an important role in our society as more and more functions having been integrated within mobile phones, such as Internet browsing, mobile banking, and shopping. Mobiles phones can be used to secure ATM card pins by sending to the customer directly rather than in emails or by other means which has a possibility of hacking. In this paper we have proposed method of generating a Private Key Security Token by bank authentication servers which uses IMSI registers and IMEI number of client's mobile registered. The key is generated by implementing RIPE MD160 and Hex Encode Algorithm. Token received is valid only for that client mobile only and can be generated upon request by customer dynamically. The client is given a PIN and a Master Key when registered to the Online Banking Services. If in case a client's mobile is lost, authentication is done using Unique Master Key, else the Private Key Token is used there by making transactions secured and simple without the need of carrying any USB Tokens. The additional functionality provides the client more security on their transactions. Due to this Phishing attacks by the hackers is avoided.

  7. 12 CFR 563g.6 - Effective date.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Effective date. 563g.6 Section 563g.6 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY SECURITIES OFFERINGS § 563g.6 Effective date. (a) Except as provided for in paragraph (d) of this section, an offering circular filed by a...

  8. Understanding Market Concentration: Internet-Based Applications from the Banking Industry

    ERIC Educational Resources Information Center

    Hays, Fred H.; Ward, Sidne Gail

    2011-01-01

    Market structure is an essential topic in economics and finance courses, including bank management as well as many other business school courses, for example marketing, human resources and strategic management. Instructors explain the virtues of perfect competition and the evils of monopoly along with alternative market models. Often conversations…

  9. What do Internet-based alcohol treatment websites offer?

    PubMed

    Toll, Benjamin A; Sobell, Linda C; D'Arienzo, Justin; Sobell, Mark B; Eickleberry-Goldsmith, Lori; Toll, Heather J

    2003-12-01

    The Internet was searched for websites that advertised or provided treatment or help for alcohol problems. Websites were evaluated for the types of treatment offered and whether the treatment had an empirical basis. While a wide range of treatments were advertised, very few websites offered online services. In addition, very few sites provided or advertised alcohol treatment programs that were empirically based. Recommendations for future Internet-based health care and treatment are offered.

  10. 12 CFR 48.1 - Authority, purpose, and scope.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ....1 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY RETAIL FOREIGN EXCHANGE... or enter into retail foreign exchange transactions. A national bank offering or entering into retail... associations. A Federal savings association may offer or enter into retail foreign exchange transactions. A...

  11. 12 CFR 1022.138 - Prevention of deceptive marketing of free credit reports.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ...-hosted multimedia advertising. All advertisements for free credit reports disseminated through Internet... 12 Banks and Banking 8 2014-01-01 2014-01-01 false Prevention of deceptive marketing of free... § 1022.138 Prevention of deceptive marketing of free credit reports. (a) For purposes of this section: (1...

  12. 12 CFR 1022.138 - Prevention of deceptive marketing of free credit reports.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ...-hosted multimedia advertising. All advertisements for free credit reports disseminated through Internet... 12 Banks and Banking 8 2013-01-01 2013-01-01 false Prevention of deceptive marketing of free... § 1022.138 Prevention of deceptive marketing of free credit reports. (a) For purposes of this section: (1...

  13. 12 CFR 1022.138 - Prevention of deceptive marketing of free credit reports.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ...-hosted multimedia advertising. All advertisements for free credit reports disseminated through Internet... 12 Banks and Banking 8 2012-01-01 2012-01-01 false Prevention of deceptive marketing of free... § 1022.138 Prevention of deceptive marketing of free credit reports. (a) For purposes of this section: (1...

  14. [Internet search for counseling offers for older adults suffering from visual impairment].

    PubMed

    Himmelsbach, I; Lipinski, J; Putzke, M

    2016-11-01

    Visual impairment is a relevant problem of aging. In many cases promising therapeutic options exist but patients are often left with visual deficits, which require a high degree of individualized counseling. This article analyzed which counseling offers can be found by patients and relatives using simple and routine searching via the internet. Analyses were performed using colloquial search terms in the search engine Google in order to find counseling options for elderly people with visual impairments available via the internet. With this strategy 189 offers for counseling were found, which showed very heterogeneous regional differences in distribution. The counseling options found in the internet commonly address topics such as therapeutic interventions or topics on visual aids corresponding to the professions offering rehabilitation most present in the internet, such as ophthalmologists and opticians. Regarding contents addressing psychosocial and help in daily tasks, self-help and support groups offer the most differentiated and broadest spectrum. Support offers for daily living tasks and psychosocial counseling from social providers were more difficult to find with these search terms despite a high presence in the internet. There are a large number of providers of counseling and consulting for older persons with visual impairment. In order to be found more easily by patients and to be recommended more often by ophthalmologists and general practitioners, the presence of providers in the internet must be improved, especially providers of daily living and psychosocial support offers.

  15. Creating a standardized process to offer the standard of care: continuous process improvement methodology is associated with increased rates of sperm cryopreservation among adolescent and young adult males with cancer.

    PubMed

    Shnorhavorian, Margarett; Kroon, Leah; Jeffries, Howard; Johnson, Rebecca

    2012-11-01

    There is limited literature on strategies to overcome the barriers to sperm banking among adolescent and young adult (AYA) males with cancer. By standardizing our process for offering sperm banking to AYA males before cancer treatment, we aimed to improve rates of sperm banking at our institution. Continuous process improvement is a technique that has recently been applied to improve health care delivery. We used continuous process improvement methodologies to create a standard process for fertility preservation for AYA males with cancer at our institution. We compared rates of sperm banking before and after standardization. In the 12-month period after implementation of a standardized process, 90% of patients were offered sperm banking. We demonstrated an 8-fold increase in the proportion of AYA males' sperm banking, and a 5-fold increase in the rate of sperm banking at our institution. Implementation of a standardized process for sperm banking for AYA males with cancer was associated with increased rates of sperm banking at our institution. This study supports the role of standardized health care in decreasing barriers to sperm banking.

  16. Case Study of Online Banking in India: User Behaviors and Design Guidelines

    NASA Astrophysics Data System (ADS)

    Iyengar, Jhumkee; Belvalkar, Manisha

    This paper documents online banking trends, behaviors and expectations of Indian consumers and banks. It is based on excerpts of a large industry case study of users from 4 leading banks. While banks view online banking essentially as a technology solution, it is a relatively new area for Indian consumers and not yet self-supporting. Being a savings based culture still, Indian consumers are cautious about their financial assets. They are also relatively recent entrants to internet based services. Design of these systems must therefore be based on an understanding of these users' outlook and priorities through task centric, security assured and service oriented solutions minus the technological challenges. Design lessons suggest viewing online banking not just as a convenience alone anymore but beyond it, to provide service, simplicity and security. This will create satisfied online banking customers and therefore profitability for the bank.

  17. Keeping Up with the Internet.

    ERIC Educational Resources Information Center

    Dealy, Jacqueline

    1994-01-01

    Offers instructions and resources for Internet novices wanting to access Internet services. Instructions are offered for connecting to 13 education listservs, 9 electronic journals and newsletters, 3 education databases, 7 Telnet gopher sites, Veronica and Archie search tools, and File Transfer Protocol (FTP). (Contains 16 references.) (SLW)

  18. Deployment of German Electronic Citizen Cards in Banking: Opportunities and Challenges

    NASA Astrophysics Data System (ADS)

    Büger, Matthias

    The German federal government plans to issue an electronic citizen card (eID) in 2009, replacing the current identity card (Personalausweis). Since the eID should be good for identification in E-government as well as E-business applications, it is aimed to be used in the banking environment. One application would be opening a bank account in the internet. If this was possible, the process would be much easier than today. However, German law still requires a physical ID card. We will discuss the opportunities and the challenges of possible usage of eID in banking.

  19. Idea Bank: The Protein Résumé

    ERIC Educational Resources Information Center

    Caraballo, Tami; Crowther, Gregory

    2018-01-01

    The Idea Bank column provides tips and techniques for creative teaching, in about 1,000 words. As students use increasingly diverse internet sources, it becomes hard to tell whether their answers are truly original. A general solution to this dilemma is to ask students to present information in a format that they are unlikely to encounter in books…

  20. Looking for Work in All the Right Places.

    ERIC Educational Resources Information Center

    Lewis, Robert

    1997-01-01

    Internet job banks have grown into a huge, global employment exchange. More than 1 million job openings are now advertised on 5,000 Internet sites. Employers can fill jobs faster and at less expense; job seekers can circulate resumes cost-free to employers across the country. Employment tools for job-seekers range from job listings to career…

  1. 12 CFR 16.6 - Sales of nonconvertible debt.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Sales of nonconvertible debt. 16.6 Section 16.6... RULES § 16.6 Sales of nonconvertible debt. (a) The OCC will deem offers or sales of bank issued... grade; (5) Prior to or simultaneously with the sale of the debt, each purchaser receives an offering...

  2. 12 CFR 16.6 - Sales of nonconvertible debt.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 1 2013-01-01 2013-01-01 false Sales of nonconvertible debt. 16.6 Section 16.6... RULES § 16.6 Sales of nonconvertible debt. (a) The OCC will deem offers or sales of bank issued...) Prior to or simultaneously with the sale of the debt, each purchaser receives an offering document that...

  3. 12 CFR 16.6 - Sales of nonconvertible debt.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 1 2011-01-01 2011-01-01 false Sales of nonconvertible debt. 16.6 Section 16.6... RULES § 16.6 Sales of nonconvertible debt. (a) The OCC will deem offers or sales of bank issued... grade; (5) Prior to or simultaneously with the sale of the debt, each purchaser receives an offering...

  4. 12 CFR 16.4 - Communications not deemed an offer.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Communications not deemed an offer. 16.4... DISCLOSURE RULES § 16.4 Communications not deemed an offer. (a) The OCC will not deem the following communications to be an offer under § 16.3 of this part: (1) Prior to the filing of a registration statement, any...

  5. 12 CFR 563b.405 - How do I extend the offering period?

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 6 2012-01-01 2012-01-01 false How do I extend the offering period? 563b.405... FROM MUTUAL TO STOCK FORM Standard Conversions Completion of the Offering § 563b.405 How do I extend... amendment must indicate that OTS extended the offering period and that each person who subscribed for or...

  6. 12 CFR 563b.405 - How do I extend the offering period?

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 6 2014-01-01 2012-01-01 true How do I extend the offering period? 563b.405... FROM MUTUAL TO STOCK FORM Standard Conversions Completion of the Offering § 563b.405 How do I extend... amendment must indicate that OTS extended the offering period and that each person who subscribed for or...

  7. 12 CFR 563b.405 - How do I extend the offering period?

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 6 2013-01-01 2012-01-01 true How do I extend the offering period? 563b.405... FROM MUTUAL TO STOCK FORM Standard Conversions Completion of the Offering § 563b.405 How do I extend... amendment must indicate that OTS extended the offering period and that each person who subscribed for or...

  8. 12 CFR 563b.405 - How do I extend the offering period?

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 5 2011-01-01 2011-01-01 false How do I extend the offering period? 563b.405... FROM MUTUAL TO STOCK FORM Standard Conversions Completion of the Offering § 563b.405 How do I extend... amendment must indicate that OTS extended the offering period and that each person who subscribed for or...

  9. 12 CFR 563b.405 - How do I extend the offering period?

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false How do I extend the offering period? 563b.405... FROM MUTUAL TO STOCK FORM Standard Conversions Completion of the Offering § 563b.405 How do I extend... amendment must indicate that OTS extended the offering period and that each person who subscribed for or...

  10. 12 CFR 205.18 - Requirements for financial institutions offering payroll card accounts.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ...) by disclosing— (i) Account information. A telephone number that the consumer may call to obtain the... offering payroll card accounts. 205.18 Section 205.18 Banks and Banking FEDERAL RESERVE SYSTEM BOARD OF... financial institutions offering payroll card accounts. (a) Coverage. A financial institution shall comply...

  11. Delivering Extension to the Living Room Using Internet TV

    ERIC Educational Resources Information Center

    Rice, Grant G., III

    2014-01-01

    Television is a widely adopted source for viewing educational information. Unfortunately, producing a television show on network television can be costly and time consuming. Internet TV offers Extension video content producers the opportunity to create a niche topic channel quickly and at low cost. Internet TV offers viewers a low-cost and…

  12. 12 CFR 192.310 - When must I file a post-effective amendment to the offering circular?

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 1 2013-01-01 2013-01-01 false When must I file a post-effective amendment to....310 When must I file a post-effective amendment to the offering circular? (a) You must file a post... event or change of circumstance occurs. (b) After the appropriate Federal banking agency declares the...

  13. 12 CFR 192.310 - When must I file a post-effective amendment to the offering circular?

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 1 2012-01-01 2012-01-01 false When must I file a post-effective amendment to....310 When must I file a post-effective amendment to the offering circular? (a) You must file a post... event or change of circumstance occurs. (b) After the appropriate Federal banking agency declares the...

  14. 12 CFR 192.310 - When must I file a post-effective amendment to the offering circular?

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 1 2014-01-01 2014-01-01 false When must I file a post-effective amendment to....310 When must I file a post-effective amendment to the offering circular? (a) You must file a post... event or change of circumstance occurs. (b) After the appropriate Federal banking agency declares the...

  15. The Grantwriter's Internet Companion: A Resource for Educators and Others Seeking Grants and Funding.

    ERIC Educational Resources Information Center

    Peterson, Susan

    This book offers a review of Web sites useful to educational grant writers. Chapter 1, "The Internet Advantage," examines the benefits that the Internet offers grant writers. These benefits include greater accessibility and savings in cost and time. Chapter 2, "Learning To Look: The World of Search Engines," examines strategies for effective use…

  16. Secure Distributed Human Computation

    NASA Astrophysics Data System (ADS)

    Gentry, Craig; Ramzan, Zulfikar; Stubblebine, Stuart

    In Peha’s Financial Cryptography 2004 invited talk, he described the Cyphermint PayCash system (see www.cyphermint.com), which allows people without bank accounts or credit cards (a sizeable segment of the U.S. population) to automatically and instantly cash checks, pay bills, or make Internet transactions through publicly-accessible kiosks. Since PayCash offers automated financial transactions and since the system uses (unprotected) kiosks, security is critical. The kiosk must decide whether a person cashing a check is really the person to whom the check was made out, so it takes a digital picture of the person cashing the check and transmits this picture electronically to a central office, where a human worker compares the kiosk’s picture to one that was taken when the person registered with Cyphermint. If both pictures are of the same person, then the human worker authorizes the transaction.

  17. Internet research: an opportunity to revisit classic ethical problems in behavioral research.

    PubMed

    Pittenger, David J

    2003-01-01

    The Internet offers many new opportunities for behavioral researchers to conduct quantitative and qualitative research. Although the ethical guidelines of the American Psychological Association generalize, in part, to research conducted through the Internet, several matters related to Internet research require further analysis. This article reviews several fundamental ethical issues related to Internet research, namely the preservation of privacy, the issuance of informed consent, the use of deception and false feedback, and research methods. In essence, the Internet offers unique challenges to behavioral researchers. Among these are the need to better define the distinction between private and public behavior performed through the Internet, ensure mechanisms for obtaining valid informed consent from participants and performing debriefing exercises, and verify the validity of data collected through the Internet.

  18. 12 CFR 618.8005 - Eligibility.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Eligibility. 618.8005 Section 618.8005 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM GENERAL PROVISIONS Related Services § 618.8005 Eligibility. (a) Farm Credit Banks and associations may offer related services appropriate to on...

  19. 77 FR 67007 - Federal Reserve Bank Services Private Sector Adjustment Factor

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-11-08

    ... had characteristics most analogous to correspondent banks, clearing balances held by depository institutions at Reserve Banks were a primary component in computing the PSAF. The clearing balance program was largely modeled after similar programs offered by correspondent banks, wherein banks maintain balances...

  20. 12 CFR Optional Annual Percentage... - End Plans Subject to the Requirements of § 226.5b

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ....5b Annual Optional Annual Percentage Rate Computations for Creditors Offering Open Banks and Banking... (REGULATION Z) Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College... Creditors Offering Open-End Plans Subject to the Requirements of § 226.5b In determining the denominator of...

  1. 12 CFR Optional Annual Percentage... - End Plans Subject to the Requirements of § 226.5b

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ....5b Annual Optional Annual Percentage Rate Computations for Creditors Offering Open Banks and Banking... (REGULATION Z) Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College... Creditors Offering Open-End Plans Subject to the Requirements of § 226.5b In determining the denominator of...

  2. 12 CFR Optional Annual Percentage... - End Plans Subject to the Requirements of § 226.5b

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ....5b Annual Optional Annual Percentage Rate Computations for Creditors Offering Open Banks and Banking... LENDING (REGULATION Z) Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to... Computations for Creditors Offering Open-End Plans Subject to the Requirements of § 226.5b In determining the...

  3. Are hybrid umbilical cord blood banks really the best of both worlds?

    PubMed

    Guilcher, Gregory M T; Fernandez, Conrad V; Joffe, Steven

    2015-03-01

    Since the first use of umbilical cord blood (UCB) as a medical therapy, the number of UCB banks worldwide has grown. Public UCB banks offer the option of altruistic donation, whereas private banks allow a product to be stored for the exclusive use of the paying client. With many more UCB products banked privately than publicly in countries such as the USA, hybrid models blending aspects of public and private banking have been proposed. One such bank is in operation in the UK. In this paper we review the hybrid UCB model and conclude that it offers limited benefit to the general public. Furthermore, compared with private banking, this model provides few advantages and potential disadvantages to private clients. Published by the BMJ Publishing Group Limited. For permission to use (where not already granted under a licence) please go to http://group.bmj.com/group/rights-licensing/permissions.

  4. 12 CFR 48.8 - Capital requirements.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 1 2013-01-01 2013-01-01 false Capital requirements. 48.8 Section 48.8 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY RETAIL FOREIGN EXCHANGE TRANSACTIONS § 48.8 Capital requirements. A national bank offering or entering into retail forex transactions...

  5. 12 CFR 48.8 - Capital requirements.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 1 2014-01-01 2014-01-01 false Capital requirements. 48.8 Section 48.8 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY RETAIL FOREIGN EXCHANGE TRANSACTIONS § 48.8 Capital requirements. A national bank offering or entering into retail forex transactions...

  6. 12 CFR 48.8 - Capital requirements.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 1 2012-01-01 2012-01-01 false Capital requirements. 48.8 Section 48.8 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY RETAIL FOREIGN EXCHANGE TRANSACTIONS § 48.8 Capital requirements. A national bank offering or entering into retail forex transactions...

  7. 12 CFR 618.8030 - Out-of-territory related services.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Out-of-territory related services. 618.8030 Section 618.8030 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM GENERAL PROVISIONS Related Services § 618.8030 Out-of-territory related services. (a) System banks and associations may offer...

  8. Internet of Things technology-based management methods for environmental specimen banks.

    PubMed

    Peng, Lihong; Wang, Qian; Yu, Ang

    2015-02-01

    The establishment and management of environmental specimen banks (ESBs) has long been a problem worldwide. The complexity of specimen environment has made the management of ESB likewise complex. Through an analysis of the development and management of ESBs worldwide and in light of the sophisticated Internet of Things (IOT) technology, this paper presents IOT technology-based ESB management methods. An IOT technology-based ESB management system can significantly facilitate ESB ingress and egress management as well as long-term storage management under quality control. This paper elaborates on the design of IOT technology-based modules, which can be used in ESB management to achieve standardized, smart, information-based ESB management. ESB management has far-reaching implications for environmental management and for research in environmental science.

  9. Internet-based health education in China: a content analysis of websites.

    PubMed

    Peng, Ying; Wu, Xi; Atkins, Salla; Zwarentein, Merrick; Zhu, Ming; Zhan, Xing Xin; Zhang, Fan; Ran, Peng; Yan, Wei Rong

    2014-01-27

    The Internet is increasingly being applied in health education worldwide; however there is little knowledge of its use in Chinese higher education institutions. The present study provides the first review and highlights the deficiencies and required future advances in Chinese Internet-based health education. Two authors independently conducted a duplicate Internet search in order to identify information regarding Internet-based health education in China. The findings showed that Internet-based education began in China in September 1998. Currently, only 16 of 150 (10.7%) health education institutions in China offer fee-based online undergraduate degree courses, awarding associates and/or bachelors degrees. Fifteen of the 16 institutions were located in the middle or on the eastern coast of China, where were more developed than other regions. Nursing was the most popular discipline in Internet-based health education, while some other disciplines, such as preventive medicine, were only offered at one university. Besides degree education, Chinese institutions also offered non-degree online training and free resources. The content was mainly presented in the form of PowerPoint slides or videos for self-learning. Very little online interactive mentoring was offered with any of the courses. There is considerable potential for the further development of Internet-based health education in China. These developments should include a focus on strengthening cooperation among higher education institutions in order to develop balanced online health curricula, and on enhancing distance education in low- and middle-income regions to meet extensive learning demands.

  10. Internet-based health education in China: a content analysis of websites

    PubMed Central

    2014-01-01

    Background The Internet is increasingly being applied in health education worldwide; however there is little knowledge of its use in Chinese higher education institutions. The present study provides the first review and highlights the deficiencies and required future advances in Chinese Internet-based health education. Methods Two authors independently conducted a duplicate Internet search in order to identify information regarding Internet-based health education in China. Results The findings showed that Internet-based education began in China in September 1998. Currently, only 16 of 150 (10.7%) health education institutions in China offer fee-based online undergraduate degree courses, awarding associates and/or bachelors degrees. Fifteen of the 16 institutions were located in the middle or on the eastern coast of China, where were more developed than other regions. Nursing was the most popular discipline in Internet-based health education, while some other disciplines, such as preventive medicine, were only offered at one university. Besides degree education, Chinese institutions also offered non-degree online training and free resources. The content was mainly presented in the form of PowerPoint slides or videos for self-learning. Very little online interactive mentoring was offered with any of the courses. Conclusions There is considerable potential for the further development of Internet-based health education in China. These developments should include a focus on strengthening cooperation among higher education institutions in order to develop balanced online health curricula, and on enhancing distance education in low- and middle-income regions to meet extensive learning demands. PMID:24467710

  11. Report of the Military Compensation and Retirement Modernization Commission Interim Report

    DTIC Science & Technology

    2014-06-01

    transfer into a bank account, rather than receiving a paper check to be cashed at the local bank. The Internet has also affected health care delivery...and web -based reporting is becoming commonplace, advances in diagnostic and imaging techniques have made the early detection of disease and early...Supporting Research Papers , Chapter 12: Review of Survivor Benefits, accessed June 1, 2014, http://militarypay.defense.gov/REPORTS/QRMC

  12. [Internet use and adolescents' sexual health].

    PubMed

    Tseng, Ying-Hua; Wang, Ruey-Hsia; Wang, Hsiu-Hung; Chou, Fan-Hao

    2012-12-01

    Internet use is an important part of the daily life of adolescents. The ease of searching the internet for information makes finding information on sex, a topic of particular interest to adolescents, easy. Although the internet is replete with sexual information, the influence of internet use on adolescents' sexual health is analogous to a double-edged sword. This article identifies the four main sexual dilemmas facing Taiwan adolescents and analyzes the pros and cons of internet use with regard to adolescents' sexual health. Cons include the predominance of internet pornography and the potential risks of making friends online. Pros include the internet's role as an optimal communications platform and tool for sex-related research. We suggest that nurses have a unique role and functions to play in promoting adolescent sexual health. We also offer recommendations for school health nursing and clinical nursing. Further internet-based quantitative and qualitative research is necessary to clarify relevant sexual health issues. Finally, we offer design suggestions for sexual education homepages.

  13. Internet Business Resources.

    ERIC Educational Resources Information Center

    Cronin, Mary J.

    1993-01-01

    Review of major information providers on the Internet that offer business resources focuses on U.S. government, United Nations, and European Community information and suggests sources for keeping current with new information offerings. Electronic bulletin boards, LC MARVEL, university Gophers, and TECnet are described; and access and subscription…

  14. 12 CFR 563b.310 - When must I file a post-effective amendment to the offering circular?

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 6 2014-01-01 2012-01-01 true When must I file a post-effective amendment to... § 563b.310 When must I file a post-effective amendment to the offering circular? (a) You must file a post-effective amendment to the offering circular with OTS when a material event or change of circumstance occurs...

  15. 12 CFR 563b.310 - When must I file a post-effective amendment to the offering circular?

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 5 2011-01-01 2011-01-01 false When must I file a post-effective amendment to... § 563b.310 When must I file a post-effective amendment to the offering circular? (a) You must file a post-effective amendment to the offering circular with OTS when a material event or change of circumstance occurs...

  16. 12 CFR 563b.310 - When must I file a post-effective amendment to the offering circular?

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 6 2012-01-01 2012-01-01 false When must I file a post-effective amendment to... § 563b.310 When must I file a post-effective amendment to the offering circular? (a) You must file a post-effective amendment to the offering circular with OTS when a material event or change of circumstance occurs...

  17. 12 CFR 563b.310 - When must I file a post-effective amendment to the offering circular?

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 6 2013-01-01 2012-01-01 true When must I file a post-effective amendment to... § 563b.310 When must I file a post-effective amendment to the offering circular? (a) You must file a post-effective amendment to the offering circular with OTS when a material event or change of circumstance occurs...

  18. 12 CFR 563b.310 - When must I file a post-effective amendment to the offering circular?

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false When must I file a post-effective amendment to... § 563b.310 When must I file a post-effective amendment to the offering circular? (a) You must file a post-effective amendment to the offering circular with OTS when a material event or change of circumstance occurs...

  19. 76 FR 73526 - Alternatives to the Use of External Credit Ratings in the Regulations of the OCC

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-11-29

    ... Branches of Foreign Banks The OCC's regulations on permissible investment securities, securities offerings... to investment securities, securities offerings, and foreign bank capital equivalency deposits... 939A directs all Federal agencies to review, no later than one year after enactment, any regulation...

  20. 12 CFR 622.6 - Opportunity for informal settlement.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Opportunity for informal settlement. 622.6 Section 622.6 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM RULES OF PRACTICE AND... of a proceeding, without prejudice to the rights of the parties. No offer or proposal shall be...

  1. 12 CFR 1102.35 - Opportunity for informal settlement.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Opportunity for informal settlement. 1102.35 Section 1102.35 Banks and Banking FEDERAL FINANCIAL INSTITUTIONS EXAMINATION COUNCIL APPRAISER REGULATION... settlement of a proceeding, without prejudice to the rights of the parties. No offer or proposal shall be...

  2. 12 CFR 308.15 - Opportunity for informal settlement.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Opportunity for informal settlement. 308.15 Section 308.15 Banks and Banking FEDERAL DEPOSIT INSURANCE CORPORATION PROCEDURE AND RULES OF PRACTICE... Counsel written offers or proposals for settlement of a proceeding, without prejudice to the rights of any...

  3. 12 CFR 747.15 - Opportunity for informal settlement.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Opportunity for informal settlement. 747.15 Section 747.15 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT UNIONS... settlement of a proceeding, without prejudice to the rights of any of the parties. No such offer or proposal...

  4. 12 CFR 1780.14 - Opportunity for informal settlement.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Opportunity for informal settlement. 1780.14 Section 1780.14 Banks and Banking OFFICE OF FEDERAL HOUSING ENTERPRISE OVERSIGHT, DEPARTMENT OF HOUSING... part. No settlement offer or proposal, or any subsequent negotiation or resolution, is admissible as...

  5. Microbial Contamination of Human Milk Purchased Via the Internet

    PubMed Central

    Hogan, Joseph S.; McNamara, Kelly A.; Gudimetla, Vishnu; Dillon, Chelsea E.; Kwiek, Jesse J.; Geraghty, Sheela R.

    2013-01-01

    OBJECTIVE: To quantify microbial contamination of human milk purchased via the Internet as an indicator of disease risk to recipient infants. METHODS: Cross-sectional sample of human milk purchased via a popular US milk-sharing Web site (2012). Individuals advertising milk were contacted to arrange purchase, and milk was shipped to a rented mailbox in Ohio. The Internet milk samples (n = 101) were compared with unpasteurized samples of milk donated to a milk bank (n = 20). RESULTS: Most (74%) Internet milk samples were colonized with Gram-negative bacteria or had >104 colony-forming units/mL total aerobic count. They exhibited higher mean total aerobic, total Gram-negative, coliform, and Staphylococcus sp counts than milk bank samples. Growth of most species was positively associated with days in transit (total aerobic count [log10 colony-forming units/mL] β = 0.71 [95% confidence interval: 0.38–1.05]), and negatively associated with number of months since the milk was expressed (β = −0.36 [95% confidence interval: −0.55 to −0.16]), per simple linear regression. No samples were HIV type 1 RNA-positive; 21% of Internet samples were cytomegalovirus DNA-positive. CONCLUSIONS: Human milk purchased via the Internet exhibited high overall bacterial growth and frequent contamination with pathogenic bacteria, reflecting poor collection, storage, or shipping practices. Infants consuming this milk are at risk for negative outcomes, particularly if born preterm or are medically compromised. Increased use of lactation support services may begin to address the milk supply gap for women who want to feed their child human milk but cannot meet his or her needs. PMID:24144714

  6. Who should be offered sperm banking for fertility preservation? A survey of UK oncologists and haematologists.

    PubMed

    Gilbert, E; Adams, A; Mehanna, H; Harrison, B; Hartshorne, G M

    2011-05-01

    Fertility after cancer therapy is a significant quality-of-life concern for many patients, their partners and families. Authoritative guidance states that men whose fertility may be affected by impending therapies should be offered sperm banking. Yet some patients are not offered this opportunity and are thereby disadvantaged. We sought to understand oncologists' and haematologists' decision making concerning sperm-banking referrals. We surveyed all oncologists and haematologists on the Royal College of Radiotherapists' Faculty of Oncology and British Society for Haematology circulation lists. From 2357 across all specialties, 499 responses were received: 253 haematologists and 246 oncologists (21% response rate). Twenty-one percent of respondents were unaware of local policies on sperm banking and 42% considered that sperm banking should be offered to more patients. Respondents' decisions reveal either assumptions about patients' needs based on characteristics such as age, sexual orientation and severity of illness or the influence of their own moral conclusions upon their patients. The survey identified paucity of training for clinicians, information for patients and systematic recording of discussions about fertility. A robust care infrastructure supporting male fertility storage is needed urgently to include targeted information for cancer clinicians and patients, identified individuals responsible for coordination and documentation of discussions with patients.

  7. 12 CFR 240.8 - Capital requirements.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... into retail forex transactions must be well-capitalized as defined in section 208.43 of Regulation H... banking institution defined in § 240.2(b)(2) offering or entering into retail forex transactions must be... companies. A banking institution defined in § 240.2(b)(3) or (4) offering or entering into retail forex...

  8. 75 FR 65805 - Transfer and Reorganization of Bank Secrecy Act Regulations

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-10-26

    ... lies not only with the products and services the covered institution offers, but also with the specific... bank routinely posts a particular transaction to its customer's account. (j) Commodity. Any good... service offered. (l) Contract of sale. Any sale, agreement of sale, or agreement to sell as described in...

  9. 12 CFR 563g.7 - Form, content, and accounting.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Form, content, and accounting. 563g.7 Section... § 563g.7 Form, content, and accounting. (a) Form and content. Any offering circular or amendment filed... which they are made, not misleading. (b) Accounting requirements. To be declared effective an offering...

  10. Oncologists' attitudes and practices regarding banking sperm before cancer treatment.

    PubMed

    Schover, Leslie R; Brey, Kimberly; Lichtin, Alan; Lipshultz, Larry I; Jeha, Sima

    2002-04-01

    The goal of this study was to survey oncologists in three different practice settings to determine their knowledge, attitudes, and practices regarding referring patients to bank sperm before cancer treatment. A postal survey about knowledge, attitudes, and practices regarding banking sperm before cancer treatment was sent to 718 oncology staff physicians and fellows at two cancer centers and at sites in a Community Clinical Oncology Program. The return rate was 24% and did not differ by institution, oncologic specialty, or sex. Fellows were significantly more likely to participate (37%) than staff physicians (20%). Ninety-one percent of respondents agreed that sperm banking should be offered to all men at risk of infertility as a result of cancer treatment, but 48% either never bring up the topic or mention it to less than a quarter of eligible men. Neither greater knowledge about sperm banking nor seeing large numbers of eligible men yearly increased the likelihood of discussing the option. Barriers cited included lack of time for the discussion, perceived high cost, and lack of convenient facilities. Oncologists reported they would be less likely to offer sperm banking to men who were homosexual, HIV-positive, had a poor prognosis, or had aggressive tumors. Oncologists overestimated the costs of sperm banking and the number of samples needed to make cryopreservation worthwhile. Sperm banking should be offered as an option to all men at risk of infertility because of their cancer treatment. Clearer practice standards could help oncologists increase their knowledge about sperm banking and avoid dependence on biased patient selection criteria.

  11. Consumers with an intellectual disability and carers: perceptions of interactions with banks.

    PubMed

    Hayes, Susan C; Martin, Fiona B

    2007-03-01

    As more people with an intellectual disability reside independently in the community, there is both the need and the opportunity for them to use financial services, including banks and credit unions, and products such as cash machine cards, credit cards and loans. There is a dearth of information about interactions between consumers with intellectual disabilities and their carers, and financial service providers. This study investigated the perceptions of 94 consumers with an intellectual disability and 53 carers regarding interactions with financial service providers. Consumers and carers mentioned a number of problems with banks, and reported a low rate of successful resolution of these difficulties. Carers mentioned more problems than consumers, and more frequently reported intangible problems such as discrimination. The 'digital divide' was evident, with few consumers having access to Internet or telephone banking. People with intellectual disabilities need education programmes about electronic banking, their rights as consumers and their access to problem resolution strategies.

  12. 12 CFR 618.8030 - Out-of-territory related services.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... Related Services § 618.8030 Out-of-territory related services. (a) System banks and associations may offer... including timeframes. (b) System banks and associations providing out-of-territory services must fulfill all... 12 Banks and Banking 7 2012-01-01 2012-01-01 false Out-of-territory related services. 618.8030...

  13. 12 CFR 618.8030 - Out-of-territory related services.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... Related Services § 618.8030 Out-of-territory related services. (a) System banks and associations may offer... including timeframes. (b) System banks and associations providing out-of-territory services must fulfill all... 12 Banks and Banking 6 2011-01-01 2011-01-01 false Out-of-territory related services. 618.8030...

  14. 12 CFR 618.8030 - Out-of-territory related services.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... Related Services § 618.8030 Out-of-territory related services. (a) System banks and associations may offer... including timeframes. (b) System banks and associations providing out-of-territory services must fulfill all... 12 Banks and Banking 7 2013-01-01 2013-01-01 false Out-of-territory related services. 618.8030...

  15. 12 CFR 16.8 - Small issues.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Small issues. 16.8 Section 16.8 Banks and....8 Small issues. (a) The OCC will deem offers and sales of bank issued securities that satisfy the requirements of Commission Regulation A (17 CFR part 230, Regulation A—Conditional Small Issues Exemption) to...

  16. 12 CFR 563g.14 - Waiver.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Waiver. 563g.14 Section 563g.14 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY SECURITIES OFFERINGS § 563g.14 Waiver. (a) The Office may waive any requirement of this part, or any required information: (1) Determined to be...

  17. How To: Be VoIP-Savvy

    ERIC Educational Resources Information Center

    Branzburg, Jeffrey

    2005-01-01

    Cablevision, Comcast, Verizon, and many other high-speed broadband Internet providers are now also offering telephone services through "Voice over Internet Protocol" (VoIP). This technology sends ordinary telephone calls over the Internet rather than over telephone lines. While impractical without the use of a broadband Internet connection, with…

  18. Internet Use Among Older Adults: Association With Health Needs, Psychological Capital, and Social Capital

    PubMed Central

    2013-01-01

    Background Previous studies have identified socioeconomic status and health status as predictors of older adults’ computer and Internet use, but researchers have not examined the relationships between older adults’ health needs and psychological capital (emotional well-being and self-efficacy) and social capital (social integration/ties and support networks) to different types of Internet use. Objective This study examined (1) whether older adults’ health conditions and psychological and social capital differentiate Internet users from nonusers, and (2) whether the Internet users differed in their types of Internet use on the basis of their health conditions and psychological and social capital. Methods Data for this study came from the National Health and Aging Trends Study, which is based on a nationally representative sample of US Medicare beneficiaries aged 65 years and older. The sample for this study were those who resided in the community in their own or others’ homes (N=6680). Binary logistic regression analysis was used to compare health needs, psychological capital, and social capital among (1) any type of Internet users and nonusers, (2) Internet users who engaged in health-related tasks and Internet users who did not, (3) Internet users who engaged in shopping/banking tasks and Internet users who did not, and (4) Internet users only used the Internet for email/texting and all other Internet users. Results Depressive and anxiety symptoms, measures of psychological capital, were negatively associated with Internet use among older adults (odds ratio [OR] 0.83, 95% CI 0.70-0.98, P=.03 and OR 0.79, 95% CI 0.65-0.97, P=.03, respectively), whereas most measures of social capital were positively associated with Internet use. Having more chronic medical conditions and engaging in formal volunteering increased the odds of Internet use for health-related tasks by 1.15 (95% CI 1.08-1.23, P<.001) and 1.28 (95% CI 1.05-1.57, P=.02), respectively, but anxiety symptoms decreased the odds (OR 0.74, 95% CI 0.55-0.99, P=.05). Religious service attendance was negatively associated with Internet use for shopping/banking activities (OR 0.75, 95% CI 0.62-0.91, P=.01). Anxiety symptoms increased the odds of using the Internet only for emails/texting (OR 1.75, 95% CI 1.12-2.75, P=.02), but formal volunteering decreased the odds (OR 0.63, 95% CI 0.43-0.92, P=.02). Other correlates of Internet use solely for emails/texting were older age (80-84 years and ≥85 years), a black or “other” racial/ethnic background, a high school education or less than high school, and lower income. Conclusions The findings point to the importance of social capital in facilitating older adults’ learning and adoption of Internet technology. Older adults who used the Internet for email/texting purposes only were the most socially and economically disadvantaged group of Internet users. Computer/Internet training for older adults and computer/Internet use for various purposes need to consider the significant role their social capital can play. PMID:23681083

  19. Genetics Home Reference: 16p12.2 microdeletion

    MedlinePlus

    ... Bean LJH, Bird TD, Ledbetter N, Mefford HC, Smith RJH, Stephens K, editors. GeneReviews® [Internet]. Seattle (WA): ... Mark PR, Dickerson J, Garg BP, Ellingwood SA, Smith R, Banks VC, Smith W, McDonald MT, Hoo ...

  20. Local area networking in a radio quiet environment

    NASA Astrophysics Data System (ADS)

    Childers, Edwin L.; Hunt, Gareth; Brandt, Joseph J.

    2002-11-01

    The Green Bank facility of the National Radio Astronomy Observatory is spread out over 2,700 acres in the Allegheny Mountains of West Virginia. Good communication has always been needed between the radio telescopes and the control buildings. The National Radio Quiet Zone helps protect the Green Bank site from radio transmissions that interfere with the astronomical signals. Due to stringent Radio Frequency Interference (RFI) requirements, a fiber optic communication system was used for Ethernet transmissions on the site and coaxial cable within the buildings. With the need for higher speed communications, the entire network has been upgraded to use optical fiber with modern Ethernet switches. As with most modern equipment, the implementation of the control of the newly deployed Green Bank Telescope (GBT) depends heavily on TCP/IP. In order to protect the GBT from the commodity Internet, the GBT uses a non-routable network. Communication between the control building Local Area Network (LAN) and the GBT is implemented using a Virtual LAN (VLAN). This configuration will be extended to achieve isolation between trusted local user systems, the GBT, and other Internet users. Legitimate access to the site, for example by remote observers, is likely to be implemented using a virtual private network (VPN).

  1. Internet-Savvy Students.

    ERIC Educational Resources Information Center

    Van Horn, Royal

    2003-01-01

    Describes national study of the attitudes and behaviors of middle and high school students who use the Internet. Finds that Internet-savvy students use the Internet as a virtual book and reference library, a tutor and study shortcut, a study group, a guidance counselor, and a locker, backpack, and notebook. Offers several explanations about the…

  2. Educational Psychology and the Internet

    ERIC Educational Resources Information Center

    Glassman, Michael

    2016-01-01

    The first comprehensive, research-based textbook on Internet-infused education, "Educational Psychology and the Internet" offers students an accessible guide to important issues in the field. Michael Glassman begins with an overview of the history that traces the evolution of the Internet and its significance for education. He outlines…

  3. Internet Addiction in Adolescents

    ERIC Educational Resources Information Center

    Rebisz, Slawomir; Sikora, Ilona

    2016-01-01

    The possibilities offered by the use of the Internet increasingly intensify the problem of Internet addiction, which has become more prevalent in the last decade, marked by the growing availability of mobile devices and new media and their exacerbation of the problem. Research on Internet addiction, initiated by Kimberly Young at the end of the…

  4. 12 CFR 563b.340 - What sales practices are prohibited?

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false What sales practices are prohibited? 563b.340... FROM MUTUAL TO STOCK FORM Standard Conversions Offers and Sales of Stock § 563b.340 What sales practices are prohibited? (a) In connection with offers, sales, or purchases of conversion shares under this...

  5. Verification Tools Secure Online Shopping, Banking

    NASA Technical Reports Server (NTRS)

    2010-01-01

    Just like rover or rocket technology sent into space, the software that controls these technologies must be extensively tested to ensure reliability and effectiveness. Ames Research Center invented the open-source Java Pathfinder (JPF) toolset for the deep testing of Java-based programs. Fujitsu Labs of America Inc., based in Sunnyvale, California, improved the capabilities of the JPF Symbolic Pathfinder tool, establishing the tool as a means of thoroughly testing the functionality and security of Web-based Java applications such as those used for Internet shopping and banking.

  6. Designing for Discovery: Interactive Multimedia Learning Environments at Bank Street College. Technical Report No. 15.

    ERIC Educational Resources Information Center

    Wilson, Kathleen; Tally, William

    This report discusses "multimedia" instruction as it applies to successful learning environments at Bank Street College of Education (New York), ranging from pre-electronic to electronic. In four of the interviews detailed, a Bank Street College professor, researcher, and two Bank Street School for Children teachers offer different perspectives…

  7. 12 CFR 563b.365 - May other voting members purchase conversion shares in the conversion?

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false May other voting members purchase conversion shares in the conversion? 563b.365 Section 563b.365 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY CONVERSIONS FROM MUTUAL TO STOCK FORM Standard Conversions Offers and Sales of...

  8. 12 CFR 563b.365 - May other voting members purchase conversion shares in the conversion?

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 5 2011-01-01 2011-01-01 false May other voting members purchase conversion shares in the conversion? 563b.365 Section 563b.365 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY CONVERSIONS FROM MUTUAL TO STOCK FORM Standard Conversions Offers and Sales of...

  9. 12 CFR 563g.19 - Approval of the security.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Approval of the security. 563g.19 Section 563g.19 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY SECURITIES OFFERINGS § 563g.19 Approval of the security. Any securities of a savings association which are not exempt under...

  10. 12 CFR 563g.10 - Unsafe or unsound practices.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Unsafe or unsound practices. 563g.10 Section 563g.10 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY SECURITIES OFFERINGS § 563g.10 Unsafe or unsound practices. (a) No person shall directly or indirectly, (1) Employ any device...

  11. Identifying web usage behavior of bank customers

    NASA Astrophysics Data System (ADS)

    Araya, Sandro; Silva, Mariano; Weber, Richard

    2002-03-01

    The bank Banco Credito e Inversiones (BCI) started its virtual bank in 1996 and its registered customers perform currently more than 10,000 Internet transactions daily, which typically cause les than 10% of traditional transaction costs. Since most of the customers are still not registered for online banking, one of the goals of the virtual bank is to increase then umber of registered customers. Objective of the presented work was to identify customers who are likely to perform online banking but still do not use this medium for their transactions. This objective has been reached by determining profiles of registered customers who perform many transactions online. Based on these profiles the bank's Data Warehouse is explored for twins of these heavy users that are still not registered for online banking. We applied clustering in order to group the registered customers into five classes. One of these classes contained almost 30% of all registered customers and could clearly be identified as class of heavy users. Next a neural network assigned online customers to the previously found five classes. Applying the network trained on online customers to all the bank customers identified twins of heavy users that, however had not performed online transactions so far. A mailing to these candidates informing about the advantages of online banking doubled the number of registrations compared to previous campaigns.

  12. Internet-based medical education: a realist review of what works, for whom and in what circumstances

    PubMed Central

    2010-01-01

    Background Educational courses for doctors and medical students are increasingly offered via the Internet. Despite much research, course developers remain unsure about what (if anything) to offer online and how. Prospective learners lack evidence-based guidance on how to choose between the options on offer. We aimed to produce theory driven criteria to guide the development and evaluation of Internet-based medical courses. Methods Realist review - a qualitative systematic review method whose goal is to identify and explain the interaction between context, mechanism and outcome. We searched 15 electronic databases and references of included articles, seeking to identify theoretical models of how the Internet might support learning from empirical studies which (a) used the Internet to support learning, (b) involved doctors or medical students; and (c) reported a formal evaluation. All study designs and outcomes were considered. Using immersion and interpretation, we tested theories by considering how well they explained the different outcomes achieved in different educational contexts. Results 249 papers met our inclusion criteria. We identified two main theories of the course-in-context that explained variation in learners' satisfaction and outcomes: Davis's Technology Acceptance Model and Laurillard's model of interactive dialogue. Learners were more likely to accept a course if it offered a perceived advantage over available non-Internet alternatives, was easy to use technically, and compatible with their values and norms. 'Interactivity' led to effective learning only if learners were able to enter into a dialogue - with a tutor, fellow students or virtual tutorials - and gain formative feedback. Conclusions Different modes of course delivery suit different learners in different contexts. When designing or choosing an Internet-based course, attention must be given to the fit between its technical attributes and learners' needs and priorities; and to ways of providing meaningful interaction. We offer a preliminary set of questions to aid course developers and learners consider these issues. PMID:20122253

  13. Banking on cord blood stem cells.

    PubMed

    Sullivan, Michael J

    2008-07-01

    Umbilical cord blood gifted to non-profit public cord blood banks is now routinely used as an alternative source of haematopoietic stem cells for allogeneic transplantation for children and adults with cancer, bone marrow failure syndromes, haemoglobinopathies and many genetic metabolic disorders. Because of the success and outcomes of public cord banking, many companies now provide private cord banking services. However, in the absence of any published transplant evidence to support autologous and non-directed family banking, commercial cord banks currently offer a superfluous service.

  14. 78 FR 2319 - Relocation of Regulations

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-01-11

    ... (CFR). The regulations relate to: Community Investment Cash Advance Programs (CICA); Federal Home Loan... (Community Investment Cash Advance Programs) In 1989, Congress amended the Federal Home Loan Bank Act (Bank Act) to authorize the Banks to offer Community Investment Cash Advance (CICA) programs, and to require...

  15. 12 CFR 563b.335 - How do I sell my conversion shares?

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false How do I sell my conversion shares? 563b.335 Section 563b.335 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY CONVERSIONS FROM MUTUAL TO STOCK FORM Standard Conversions Offers and Sales of Stock § 563b.335 How do I sell my...

  16. 12 CFR 563b.330 - How do I price my conversion shares?

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false How do I price my conversion shares? 563b.330 Section 563b.330 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY CONVERSIONS FROM MUTUAL TO STOCK FORM Standard Conversions Offers and Sales of Stock § 563b.330 How do I price my...

  17. Big Data and SME financing in China

    NASA Astrophysics Data System (ADS)

    Tian, Z.; Hassan, A. F. S.; Razak, N. H. A.

    2018-05-01

    Big Data is becoming more and more prevalent in recent years, and it attracts lots of attention from various perspectives of the world such as academia, industry, and even government. Big Data can be seen as the next-generation source of power for the economy. Today, Big Data represents a new way to approach information and help all industry and business fields. The Chinese financial market has long been dominated by state-owned banks; however, these banks provide low-efficiency help toward small- and medium-sized enterprises (SMEs) and private businesses. The development of Big Data is changing the financial market, with more and more financial products and services provided by Internet companies in China. The credit rating models and borrower identification make online financial services more efficient than conventional banks. These services also challenge the domination of state-owned banks.

  18. Ethical considerations in umbilical cord blood banking.

    PubMed

    Fox, Nathan S; Chervenak, Frank A; McCullough, Laurence B

    2008-01-01

    Pregnant patients have the option at delivery of having their cord blood collected and stored for future use. At many hospitals, they have the option of donating their cord blood to the public banking system for future use by anyone who is an appropriate match (public banking). Patients also have the option of having their cord blood stored for a fee with a commercial/private company for future use within their family (private banking). Currently, private banking is not recommended by major obstetric and pediatric professional organizations. We applied current evidence of the risks and benefits of private and public cord blood banking and accepted ethical principles to answer the following two related questions: 1) Do obstetricians have an ethical obligation to comply with a request for private banking? and 2) Do obstetricians have an ethical obligation to routinely offer private banking to women who do not request it? The only situation where there is a known benefit to private banking is when public banking is not available and the patient currently has an affected family member who may benefit from cord blood therapy. We conclude that when presented with a request for private banking, obstetricians have an ethical obligation to explain the lack of proven benefit of this procedure. If the patient still requests private banking, it would be appropriate to comply, because there is minimal or no risk to the procedure. However, obstetricians are not ethically obligated to offer private banking, even when public banking is not available, except in the limited circumstance when the patient currently has an affected family member who may benefit from cord blood therapy.

  19. 12 CFR 618.8010 - Related services authorization process.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Related services authorization process. 618... PROVISIONS Related Services § 618.8010 Related services authorization process. (a) Authorities. System banks and associations may only offer related services that meet the criteria specified in this regulation...

  20. 7 CFR 1402.2 - Sales of inventory.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... owned by CCC, including those commodities that are marketed through commercial, Internet-based marketing services. Various commodities owned by CCC may be offered for sale through commercial, Internet-based marketing services. Interested parties may submit requests for information related to Internet-based...

  1. 7 CFR 1402.2 - Sales of inventory.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... owned by CCC, including those commodities that are marketed through commercial, Internet-based marketing services. Various commodities owned by CCC may be offered for sale through commercial, Internet-based marketing services. Interested parties may submit requests for information related to Internet-based...

  2. 7 CFR 1402.2 - Sales of inventory.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... owned by CCC, including those commodities that are marketed through commercial, Internet-based marketing services. Various commodities owned by CCC may be offered for sale through commercial, Internet-based marketing services. Interested parties may submit requests for information related to Internet-based...

  3. 7 CFR 1402.2 - Sales of inventory.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... owned by CCC, including those commodities that are marketed through commercial, Internet-based marketing services. Various commodities owned by CCC may be offered for sale through commercial, Internet-based marketing services. Interested parties may submit requests for information related to Internet-based...

  4. 7 CFR 1402.2 - Sales of inventory.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... owned by CCC, including those commodities that are marketed through commercial, Internet-based marketing services. Various commodities owned by CCC may be offered for sale through commercial, Internet-based marketing services. Interested parties may submit requests for information related to Internet-based...

  5. Preferred Psychological Internet Resources for Addressing Anxiety Disorders, Parenting Problems, Eating Disorders, and Chemical Dependency.

    ERIC Educational Resources Information Center

    Morse, Laura; Doran, Matt; Simonin, Danielle; Smith, Allyson; Maloney, Colleen; Wright, Cara; Underwood, Michelle; Hoppel, Andrea; O'Donnell, Shannon; Chambliss, Catherine

    Although the Internet offers information about psychological problems and support resources for behavioral health problems, the quality of this information varies widely. So as to offer guidance in this area, preferred sites pertaining to anxiety disorders, parenting problems, eating disorders, and chemical dependency were analyzed. A total of 365…

  6. Summary of Internet Terms and Resources. NRC Fact Sheet

    ERIC Educational Resources Information Center

    Zubal, Rachael; Hall, Mair

    2010-01-01

    What is the Internet? The Internet is a worldwide network of computers communicating with each other. This paper offers some basic, easy-to-understand meanings of words about the Internet that individuals may have questions about.[The preparation of this fact sheet was supported in part by the National Resource Center on Supported Living and…

  7. Volunteer Community Language Bank.

    ERIC Educational Resources Information Center

    Novak, Sigfrid S.; And Others

    Lake Charles, Louisiana established a language bank capable of providing interpreters for 20 foreign languages. All participants are volunteers who offer to help free of charge in case of emergencies arising because of the considerable numbers of foreign visitors in the area. Smooth operation of the language bank depends on the following: (1) an…

  8. 78 FR 76297 - Social Media: Consumer Compliance Risk Management Guidance

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-12-17

    ... controls should apply to all customers, products and services, including customers engaging in electronic banking (e-banking) through the use of social media, and e- banking products and services offered in the...., Washington DC 20219, (202) 649-7181. Board: Lanette Meister, Senior Supervisory Consumer Financial Services...

  9. 18 CFR 1314.3 - Authority of Reserve Banks.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... functions with respect to the issuance of Book-entry TVA Power Securities offered and sold by TVA to which this part 1314 applies, in accordance with the Securities Documentation, Reserve Bank Operating...-ENTRY PROCEDURES FOR TVA POWER SECURITIES ISSUED THROUGH THE FEDERAL RESERVE BANKS § 1314.3 Authority of...

  10. A Beginner's Guide to the Internet.

    ERIC Educational Resources Information Center

    McAdams, Charles A.; Nelson, Mark A.

    1995-01-01

    Maintains that the Internet offers services and opportunities for music teachers and students. Provides an overview of topics such as electronic mail, File Transfer Protocol (FTP), Gopher, and the World Wide Web (WWW). Includes two lists of music resources available on the Internet. (CFR)

  11. 12 CFR 563g.17 - Sales of securities at an office of a savings association.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Sales of securities at an office of a savings association. 563g.17 Section 563g.17 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY SECURITIES OFFERINGS § 563g.17 Sales of securities at an office of a savings association. Sales of...

  12. Financing to meet community needs: a guide for small hospitals.

    PubMed

    Wilson, Bill

    2009-03-01

    To succeed in the current financial markets, small hospitals need flexible project and financing plans. Many small local banks today can offer small hospitals financing solutions on par with what was previously offered only by the country's strongest investment-grade rated banks. Federal assistance through programs such as HUD's Section 242 mortgage insurance program is also a viable option for small hospitals.

  13. The Information Superhighway: A Review of Some Determining Factors.

    ERIC Educational Resources Information Center

    Cawkell, Tony

    1997-01-01

    Examines consumer services delivered via the Internet. Discusses social and political factors (regulation, commercial alliances, copyright), specific applications (home banking and shopping, distance education, electronic mail, games, telecommuting), and constraints of data transmission. Since many applications are based on videoconferencing,…

  14. Human milk donation: what do you know about it?

    PubMed

    Woo, Katie; Spatz, Diane

    2007-01-01

    The American Academy of Pediatrics (AAP) strongly endorses that human milk is species specific and the optimal nutrition for infants, and that banked human milk is a suitable alternative. After the death of an infant, breast milk often is disposed of without consideration of donation because the public and healthcare providers are unaware of human milk banks. In the United States, 10 human milk banks operate under strict guidelines established by the Human Milk Banking Association of North America. Donors are screened, and milk is pasteurized while preserving many of the beneficial components of breast milk. It is imperative that healthcare providers become educated regarding human milk banking because of the increase in informal sharing of breast milk via the Internet. Breast milk that has not been screened and treated has the risk of transmitting infections such as hepatitis and HIV. Healthcare providers should be familiar with the selection criteria for suitable donors and how to approach families when the death of an infant is imminent. Human milk banks are able to provide human milk to adopted, preterm, or ill infants whose mothers are unable to provide their own milk.

  15. The Impact of the Internet on Economic Education.

    ERIC Educational Resources Information Center

    Agarwal, Rajshree; Day, A. Edward

    1998-01-01

    Presents the results of a class experiment that documented the significance of use of the Internet on learning and retention of economic concepts. The results offer evidence of the positive effects of Internet use on both academic performance and students' attitudes toward economics. (MJP)

  16. 31 CFR 132.2 - Definitions.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... THE TREASURY PROHIBITION ON FUNDING OF UNLAWFUL INTERNET GAMBLING § 132.2 Definitions. The following... participants in playing the game or contest or obtaining access to the Internet; or (B) Points or credits that... Internet and such systems operated or services offered by libraries or educational institutions. (q...

  17. Secrets of the Super Net Searchers: The Reflections, Revelations, and Hard-Won Wisdom of 35 of the World's Top Internet Researchers.

    ERIC Educational Resources Information Center

    Basch, Reva

    This book presents the collected wisdom of 35 leading Internet hunters and gatherers. Through interviews, these experts offer insights, anecdotes, tips, techniques, and case histories which will raise the "searching IQ" of any serious Internet user. The Super Net Searchers explain how they find valuable information on the Internet,…

  18. Comparing Consumer Resistance to Mobile Banking in Finland and Portugal

    NASA Astrophysics Data System (ADS)

    Laukkanen, Tommi; Cruz, Pedro

    This study compares two distinct European countries namely Finland and Portugal in terms of consumer resistance to mobile banking services. We explored how the five adoption barriers namely usage, value, risk, tradition and image, derived from the earlier literature, differ between these two countries. Using an Internet questionnaire a total of 3.597 usable responses was collected. A confirmatory factor analysis was implemented with SEM to build the constructs’ latent score levels. Using non-parametric difference tests we concluded that the resistance is significantly lower among the Portuguese online bank customers in terms of four out of the five barriers. The results can be used for a better understanding and enhancement of adoption of this specific case of mobile communication.

  19. New Efforts of The Cergop Data-bank At Graz For Cergop-2

    NASA Astrophysics Data System (ADS)

    Pesec, P.; Stangl, G.

    Starting with 1994 Graz/Austria took over the task of providing a data-bank for storing and re-distributing Rinex data measured at all CEGRN stations. In view of the future project CERGOP-2/Environment submitted to EU (5. FP)several modifications are required in order to take into account near real-time data dissemi- nation and to consider a near real-time publication of certified CERGOP-2 products for scientific and public access via Internet, and for political decision making in case of eventual hazard prediction. Due to the interdisciplinarity of environmental research the contents of different other data-banks should be included. We will present an approach which should result in a seamless data-bank updated in near real-time and placing at disposal methodology, data, results as well as current informations on the ongoing projects and future developments.

  20. Banking: shop and compare.

    PubMed

    O'Brien, Jennifer A; DeJarnette, Sherry

    2014-01-01

    There are many reasons to take a critical look at the practice's banking relationship(s)--technology advancements, security measures, improvements in available services, recent banking enhancements designed specifically for medical practices, the impact of the financial crisis on bank ratings and stability, changing practice needs, opportunities for operational automation at the practice--and it is just simply smart to periodically evaluate and compare the features, pricing, and potential savings offered by vendors.

  1. eHealth literacy, Internet and eHealth service usage: a survey among cancer patients and their relatives.

    PubMed

    Halwas, Nikolaus; Griebel, Lena; Huebner, Jutta

    2017-11-01

    The aim of our study was to investigate Internet and eHealth usage, with respect to eHealth literacy, by cancer patients and their relatives. Using a standardized questionnaire we asked patients who attended lectures on complementary medicine in 2016. We received 142 questionnaires. The frequency of general Internet usage was directly associated with younger age and better Internet connection. Younger participants were not only more confident in allocating health-related Internet information into reliable or unreliable facts, but also more confident and capable of gaining medical knowledge through eHealth services. A regular use of eHealth services facilitated the decision-making process. Reading ability was associated with a better understanding regarding eHealth offers. In a modern health care system, emphasis should be on skills contributing to eHealth literacy among patients to improve their ability to profit from eHealth offers and improve health care.

  2. 12 CFR 14.20 - Definitions.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY CONSUMER PROTECTION IN SALES OF INSURANCE...)(10) of the Bank Holding Company Act of 1956, as amended (12 U.S.C. 1841(o)(10)). (d) Consumer means..., solicits, advertises, or offers an insurance product or annuity to a consumer at an office of the bank or...

  3. An appraisal of the performance of the economic and financial crimes commission in Nigeria.

    PubMed

    Sowunmi, Fatai Abiola; Adesola, Muniru Adekunle; Salako, Mudashiru Abiodun

    2010-12-01

    This article examines how an anti-graft body, the Economic and Financial Crime Commission (EFCC), has fared in reducing the incidence of corruption in Nigeria, in particular, bank fraud, Internet scam, and bad governance. It first discusses the corruption situation in Nigeria by highlighting public office holders who have been associated with corruption charges. A Likert-type scale is used in designing the questionnaire for data collection. Descriptive and chi-square analyses are used, and results reveal that the performance of the EFCC has been affected by government interference (p < .05). However, although the anti-graft body has not been able to reduce the incidence of bank fraud (p > .05), bad governance and advance fee fraud have recorded appreciable reduction (p < .05). Areas of success as well as challenges that need to be addressed are identified. Specifically, it is recommended that the bill that established EFCC should be amended to reduce government interference and improve its manpower development, especially in the areas of fraud and Internet scam detection.

  4. The Internet Compendium: Subject Guides to Humanities Resources.

    ERIC Educational Resources Information Center

    Rosenfeld, Louis; And Others

    This guide describes and evaluates the Internet's humanities resources by subject. It offers information on a multitude of listservs; Usenet newsgroups; forums; electronic journals; topical mailing lists; text archives; Freenets; bulletin boards; FAQs; newsletters; real-time chats; databases; and library catalogs. Internet users can draw upon…

  5. Utilization of sperm banking and barriers to its use in testicular cancer patients.

    PubMed

    Sonnenburg, D W; Brames, M J; Case-Eads, S; Einhorn, L H

    2015-09-01

    Testicular cancer is the most common carcinoma in 20- to 40-year-old men. Eighty percent of patients with metastases achieve disease-free status with chemotherapy with or without surgical resection. Standard first-line chemotherapy is bleomycin, etoposide, and cisplatin (BEP) for three to four courses or etoposide and cisplatin (EP) for four courses. Forty percent of patients receiving chemotherapy will have permanently reduced sperm counts impairing future fertility. Sperm banking is an effective method of maintaining fertility. This retrospective study was performed to assess utilization and results from sperm banking, as well as the barriers to its use. Patients 18 and older who had received chemotherapy were given a five-item questionnaire on follow-up visit. This questionnaire included a mix of quantitative and qualitative questions. Two hundred patients enrolled in the study, and all 200 completed the questionnaire. Of the two hundred, 139 (70 %) patients chose not to bank sperm; 71 (51 %) of those were not interested, 25 (18 %) declined due to desire to start chemotherapy, 24 (17 %) were not offered, 12 (9 %) declined due to cost, and 7 (5 %) answered "other." The average age at cancer diagnosis of patients who banked sperm was 28.4 as opposed to 32.6 for patients who did not (p = 0.003). The percentage of patients that had children before their diagnosis was 21 % in the sperm banking group, and 50 % in the group that did not (p = 0.0002). Sixty-one (30 %) chose to bank sperm; 11 of 61 patients (18 %) utilized the banked sperm; 9 of 11 (82 %) patients that utilized were successful; and 3 of 9 (33 %) successes resulted in multiple gestations. Sperm banking provides the opportunity for paternity in testicular cancer patients with reduced sperm counts following treatment. However, the majority of these patients chose not to bank sperm or were not offered the opportunity. A range of factors such as time, emotional state, patient age, disease stage, prior children, institutional practices, and cost all influence whether banking is offered to patients and taken up. The authors provide recommendations to help clinicians overcome some of these barriers.

  6. An International Survey of Brain Banking Operation and Characterization Practices

    PubMed Central

    Palmer-Aronsten, Beatrix; McCrossin, Toni; Kril, Jillian

    2016-01-01

    Brain banks continue to make a major contribution to the study of neurological and psychiatric disorders. The current complexity and scope of research heighten the need for well-characterized cases and the demand for larger cohorts and necessitate strategies, such as the establishment of bank networks based in regional areas. While individual brain banks have developed protocols that meet researchers' needs within the confines of resources and funding, to further promote collaboration, standardization and scientific validity and understanding of the current protocols of participating banks are required. A survey was sent to brain banks, identified by an Internet search, to investigate operational protocols, case characterization, cohort management, data collection, standardization, and degree of collaboration between banks. The majority of the 24 banks that returned the survey have been established for more than 20 years, and most are affiliated with a regional network. While prospective donor programs were the primary source of donation, the data collected on donors varied. Longitudinal information assists case characterization and enhances the analysis capabilities of research. However, acquiring this information depended on the availability of qualified staff. Respondents indicated a high level of importance for standardization, but only 8 of 24 considered this occurred between banks. Standard diagnostic criteria were not achieved in the classification of controls, and some banks relied on the researcher to indicate the criteria for classification of controls. Although the capacity to collaborate with other banks was indicated by 16 of 24 banks, this occurred infrequently. Engagement of all brain banks to participate toward a consensus of diagnostic tools, especially for controls, will strengthen collaboration. PMID:27399803

  7. An International Survey of Brain Banking Operation and Characterization Practices.

    PubMed

    Palmer-Aronsten, Beatrix; Sheedy, Donna; McCrossin, Toni; Kril, Jillian

    2016-12-01

    Brain banks continue to make a major contribution to the study of neurological and psychiatric disorders. The current complexity and scope of research heighten the need for well-characterized cases and the demand for larger cohorts and necessitate strategies, such as the establishment of bank networks based in regional areas. While individual brain banks have developed protocols that meet researchers' needs within the confines of resources and funding, to further promote collaboration, standardization and scientific validity and understanding of the current protocols of participating banks are required. A survey was sent to brain banks, identified by an Internet search, to investigate operational protocols, case characterization, cohort management, data collection, standardization, and degree of collaboration between banks. The majority of the 24 banks that returned the survey have been established for more than 20 years, and most are affiliated with a regional network. While prospective donor programs were the primary source of donation, the data collected on donors varied. Longitudinal information assists case characterization and enhances the analysis capabilities of research. However, acquiring this information depended on the availability of qualified staff. Respondents indicated a high level of importance for standardization, but only 8 of 24 considered this occurred between banks. Standard diagnostic criteria were not achieved in the classification of controls, and some banks relied on the researcher to indicate the criteria for classification of controls. Although the capacity to collaborate with other banks was indicated by 16 of 24 banks, this occurred infrequently. Engagement of all brain banks to participate toward a consensus of diagnostic tools, especially for controls, will strengthen collaboration.

  8. US public cord blood banking practices: recruitment, donation, and the timing of consent.

    PubMed

    Broder, Sherri M; Ponsaran, Roselle S; Goldenberg, Aaron J

    2013-03-01

    Cord blood has moved rapidly from an experimental stem cell source to an accepted and important source of hematopoietic stem cells. There has been no comprehensive assessment of US public cord blood banking practices since the Institute of Medicine study in 2005. Of 34 US public cord blood banks identified, 16 participated in our qualitative survey of public cord blood banking practices. Participants took part in in-depth telephone interviews in which they were asked structured and open-ended questions regarding recruitment, donation, and the informed consent process at these banks. Thirteen of 16 participants reported a variably high percentage of women who consented to public cord blood donation. Fifteen banks offered donor registration at the time of hospital admission for labor and delivery. Seven obtained full informed consent and medical history during early labor and eight conducted some form of phased consent and/or phased medical screening and history. Nine participants identified initial selection of the collection site location as the chief mode by which they recruited minority donors. Since 2005, more public banks offer cord blood donor registration at the time of admission for labor and delivery. That and the targeted location of cord blood collection sites are the main methods used to increase access to donation and HLA diversity of banked units. Currently, the ability to collect and process donations, rather than donor willingness, is the major barrier to public cord blood banking. © 2012 American Association of Blood Banks.

  9. Using the Internet in Trade and Industrial Education.

    ERIC Educational Resources Information Center

    Zirkle, Chris

    The Internet offers trade and industrial (T&I) educators a wealth of readily available information for use as teaching aids, supplemental materials, and laboratory resources. These materials provide many distinct benefits; however, there are also several issues that must be addressed when using the Internet as an adjunct in teaching. These…

  10. Incorporating the Internet into the Marketing Classroom: Problems, Opportunities and Thoughts.

    ERIC Educational Resources Information Center

    Phillips, Melodie R.; Horton, Veronica

    1998-01-01

    Summarizes some of the opportunities and difficulties in integrating Internet-based activities in the traditional marketing classroom, and offers ideas for future applications and research. Marketing specialists are encouraged to examine both how, and when, the Internet can be used productively in the classroom. (Author/MSE)

  11. Interlinguistics and the Internet.

    ERIC Educational Resources Information Center

    Fettes, Mark

    1997-01-01

    Argues that the Internet offers new opportunities for the development, use, and study of planned languages. Notes that while most Web pages on "constructed" languages are the work of individual hobbyists, a few projects have small communities of users. The paper concludes that the use of Esperanto on the Internet reflects increased socialization…

  12. 12 CFR 1201.1 - Definitions.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... U.S.C. 1426(b)). CIP means the Community Investment Program, an advance program under CICA required...)); a Bank's Community Investment Program (CIP), offered under section 10(i) of the Bank Act (12 U.S.C...

  13. How item banks and their application can influence measurement practice in rehabilitation medicine: a PROMIS fatigue item bank example.

    PubMed

    Lai, Jin-Shei; Cella, David; Choi, Seung; Junghaenel, Doerte U; Christodoulou, Christopher; Gershon, Richard; Stone, Arthur

    2011-10-01

    To illustrate how measurement practices can be advanced by using as an example the fatigue item bank (FIB) and its applications (short forms and computerized adaptive testing [CAT]) that were developed through the National Institutes of Health Patient Reported Outcomes Measurement Information System (PROMIS) Cooperative Group. Psychometric analysis of data collected by an Internet survey company using item response theory-related techniques. A U.S. general population representative sample collected through the Internet. Respondents used for dimensionality evaluation of the PROMIS FIB (N=603) and item calibrations (N=14,931). Not applicable. Fatigue items (112) developed by the PROMIS fatigue domain working group, 13-item Functional Assessment of Chronic Illness Therapy-Fatigue, and 4-item Medical Outcomes Study 36-Item Short Form Health Survey Vitality scale. The PROMIS FIB version 1, which consists of 95 items, showed acceptable psychometric properties. CAT showed consistently better precision than short forms. However, all 3 short forms showed good precision for most participants in that more than 95% of the sample could be measured precisely with reliability greater than 0.9. Measurement practice can be advanced by using a psychometrically sound measurement tool and its applications. This example shows that CAT and short forms derived from the PROMIS FIB can reliably estimate fatigue reported by the U.S. general population. Evaluation in clinical populations is warranted before the item bank can be used for clinical trials. Copyright © 2011 American Congress of Rehabilitation Medicine. Published by Elsevier Inc. All rights reserved.

  14. Research on Group Decision-Making Mechanism of Internet Emergency Management

    NASA Astrophysics Data System (ADS)

    Xie, Kefan; Chen, Gang; Qian, Wu; Shi, Zhao

    With the development of information technology, internet has become a popular term and internet emergency has an intensive influence on people's life. This article offers a short history of internet emergency management. It discusses the definition, characteristics, and factor of internet emergency management. A group decision-making mechanism of internet emergency is presented based on the discussion. The authors establish a so-called Rough Set Scenario Flow Graphs (RSSFG) of group decision-making mechanism of internet emergency management and make an empirical analysis based on the RSSFG approach. The experimental results confirm that this approach is effective in internet emergency decision-making.

  15. 32 CFR 231.6 - Procedures-overseas banks.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... statement will include the costs of such equipment and the manner in which it will be acquired. (H) In... custodial and janitorial services to include garbage disposal and outdoor maintenance (such as grass cutting... feasible, Internet access. (H) Military guards, civilian guards (for use within the installation), military...

  16. 32 CFR 231.6 - Procedures-overseas banks.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... statement will include the costs of such equipment and the manner in which it will be acquired. (H) In... custodial and janitorial services to include garbage disposal and outdoor maintenance (such as grass cutting... feasible, Internet access. (H) Military guards, civilian guards (for use within the installation), military...

  17. Payment Services for Global Online Systems Including Internet.

    ERIC Educational Resources Information Center

    Seebeck, Bill; And Others

    1995-01-01

    A panel of four conference presenters address issues related to paying for services provided through online systems. Discussion includes the following topics: metering devices; electronic/digital cash; working within existing banking/credit card structures; provision of payment mechanisms in countries without extensive credit card usage; and…

  18. 17 CFR 239.43 - Form F-N, appointment of agent for service of process by foreign banks and foreign insurance...

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... for service of process by foreign banks and foreign insurance companies and certain of their holding companies and finance subsidiaries making public offerings of securities in the United States. 239.43... agent for service of process by foreign banks and foreign insurance companies and certain of their...

  19. 17 CFR 239.43 - Form F-N, appointment of agent for service of process by foreign banks and foreign insurance...

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... for service of process by foreign banks and foreign insurance companies and certain of their holding companies and finance subsidiaries making public offerings of securities in the United States. 239.43... agent for service of process by foreign banks and foreign insurance companies and certain of their...

  20. 17 CFR 239.43 - Form F-N, appointment of agent for service of process by foreign banks and foreign insurance...

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... for service of process by foreign banks and foreign insurance companies and certain of their holding companies and finance subsidiaries making public offerings of securities in the United States. 239.43... agent for service of process by foreign banks and foreign insurance companies and certain of their...

  1. A Method for Evaluating Information Security Governance (ISG) Components in Banking Environment

    NASA Astrophysics Data System (ADS)

    Ula, M.; Ula, M.; Fuadi, W.

    2017-02-01

    As modern banking increasingly relies on the internet and computer technologies to operate their businesses and market interactions, the threats and security breaches have highly increased in recent years. Insider and outsider attacks have caused global businesses lost trillions of Dollars a year. Therefore, that is a need for a proper framework to govern the information security in the banking system. The aim of this research is to propose and design an enhanced method to evaluate information security governance (ISG) implementation in banking environment. This research examines and compares the elements from the commonly used information security governance frameworks, standards and best practices. Their strength and weakness are considered in its approaches. The initial framework for governing the information security in banking system was constructed from document review. The framework was categorized into three levels which are Governance level, Managerial level, and technical level. The study further conducts an online survey for banking security professionals to get their professional judgment about the ISG most critical components and the importance for each ISG component that should be implemented in banking environment. Data from the survey was used to construct a mathematical model for ISG evaluation, component importance data used as weighting coefficient for the related component in the mathematical model. The research further develops a method for evaluating ISG implementation in banking based on the mathematical model. The proposed method was tested through real bank case study in an Indonesian local bank. The study evidently proves that the proposed method has sufficient coverage of ISG in banking environment and effectively evaluates the ISG implementation in banking environment.

  2. The Internet and Careers Work. NICEC Briefing.

    ERIC Educational Resources Information Center

    Offer, Marcus; Watts, Tony

    This briefing reviews the state of the art in the application of the Internet in career guidance and counseling. It describes how the Internet works and the main services offered: electronic mail, newsgroups, the World Wide Web, file transfer, and intranets. A glossary is provided. The following current and potential uses are discussed: access to…

  3. Internet resources for psychiatry and neuropsychiatry

    PubMed Central

    Stone, J; Sharpe, M

    2003-01-01

    Some of the most useful internet resources relevant to psychiatry and neuropsychiatry are summarised. Web sites recommended for professionals and patients are detailed, including where to find evidence based psychiatry, psychiatry news, and professional organisations. Some thoughts on "cyberchondria" and the opportunities that the internet offers for illness transmission are also considered. PMID:12486258

  4. Mobile Internet Revenues: An Empirical Study of the I-Mode Portal.

    ERIC Educational Resources Information Center

    Jonason, Andreas; Eliasson, Gunnar

    2001-01-01

    Discusses new electronic commerce applications enabled by mobility and personalization over mobile devices; considers the convergence of the wireless, the fixed Internet, and the media industries; describes innovative pricing models; and reports results from a survey of users of I-mode, a wireless Internet service offering Web browsing and email…

  5. Mixed Methods Analysis of Counselor Views, Attitudes and Perceived Competencies Regarding the Treatment of Internet Pornography Addiction

    ERIC Educational Resources Information Center

    Hinman, Bradly K.

    2013-01-01

    The Internet offers unprecedented opportunity for individuals to have anonymous, inexpensive, and unrestricted access to an essentially unlimited range of sexually explicit materials. Counseling clients are increasingly presenting with problematic issues regarding Internet pornography use. The purposes of this mixed-method study were (a) to…

  6. CyberStrategies: How To Build an Internet-Based Information System.

    ERIC Educational Resources Information Center

    Carroll, Michael L.; Downs, W. Scott

    Many organizations grapple with a glut of electronic information spawned by stockpiles of incompatible computers. This book offers solutions in information sharing and computer interaction. Rather than being about the Internet per se, it is about approaches that are characteristic of the Internet and the managerial and technical aspects of…

  7. Towards Practical Privacy-Preserving Internet Services

    ERIC Educational Resources Information Center

    Wang, Shiyuan

    2012-01-01

    Today's Internet offers people a vast selection of data centric services, such as online query services, the cloud, and location-based services, etc. These internet services bring people a lot of convenience, but at the same time raise privacy concerns, e.g., sensitive information revealed by the queries, sensitive data being stored and…

  8. US Public Cord Blood Banking Practices: Recruitment, Donation, and the Timing of Consent

    PubMed Central

    Broder, Sherri; Ponsaran, Roselle; Goldenberg, Aaron

    2012-01-01

    BACKGROUND Cord blood has moved rapidly from an experimental stem cell source to an accepted and important source of hematopoietic stem cells. There has been no comprehensive assessment of US public cord blood banking practices since the Institute of Medicine study in 2005. STUDY DESIGN AND METHODS Of 34 US public cord blood banks identified, 16 participated in our qualitative survey of public cord blood banking practices. Participants took part in in-depth telephone interviews in which they were asked structured and open-ended questions regarding recruitment, donation, and the informed consent process at these banks. RESULTS 13 of 16 participants reported a variably high percentage of women who consented to public cord blood donation. 15 banks offered donor registration at the time of hospital admission for labor and delivery. 7 obtained full informed consent and medical history during early labor and 8 conducted some form of phased consent and/or phased medical screening and history. 9 participants identified initial selection of the collection site location as the chief mode by which they recruited minority donors. CONCLUSION Since 2005, more public banks offer cord blood donor registration at the time of admission for labor and delivery. That, and the targeted location of cord blood collection sites, are the main methods used to increase access to donation and HLA diversity of banked units. Currently, the ability to collect and process donations, rather than donor willingness, is the major barrier to public cord blood banking. PMID:22803637

  9. State Infrastructure Banks: A Mechanism to Expand Federal Transportation Financing

    DOT National Transportation Integrated Search

    1996-10-01

    State Infrastructure Banks (SIBs) are intended to complement traditional transportation grant programs and provide states with increased flexibility to offer many types of financial assistance, such as loans and subsidized interest rates, and provide...

  10. Nurse practice issues regarding sperm banking in adolescent male cancer patients.

    PubMed

    Reebals, Jeri F; Brown, Richard; Buckner, Ellen B

    2006-01-01

    The impressive increase in the survival rate of childhood cancer patients has produced increased interest in quality of life issues. This research addresses nurse practice issues in determining whether the newly diagnosed adolescent male patient is offered the option of sperm banking before undergoing chemotherapy treatment. Questionnaires were distributed to nurses and nurse practitioners on 3 inpatient and outpatient units who care for adolescent male cancer patients at the time of diagnosis, during chemotherapy, and during follow-up care. Findings indicate that 96.3% of respondents agreed that all male patients undergoing cancer treatment with infertility as a potential side effect should be offered sperm banking. Respondents viewed oncologists and nurse practitioners as appropriate professionals to discuss the option. Lack of knowledge regarding sperm banking could be limiting nurses' willingness to introduce the topic, and education regarding cryopreservation may improve their knowledge and practice.

  11. The professional clothing bank as evidence-based practice.

    PubMed

    Bishop, SueZanne Monique

    2015-01-01

    Little research exists linking interview-appropriate attire to improved employment outcomes for women. Thus, it appears that the professional clothing bank has not been investigated as evidence-based practice. To provide preliminary evidence for clothing banks, in this article the author synthesizes findings from existing research on the provision of a professional clothing bank as a means for offering interview-appropriate attire to poor women in job readiness programming. For context, job readiness programs are explored and a case study of one program operating a professional clothing bank is presented. Finally, preliminary considerations for planning and implementing clothing banks based on this literature review are given.

  12. [Construction and application of the tissue bank and database of oral mucosa precancerous lesions in the Yangtze delta].

    PubMed

    Huang, Ji-yan; Zhao, Hou-ming; Zhou, Hai-wen

    2014-04-01

    To construct a database and a tissue bank of oral mucosa precancerous lesions and to estimate the application values. Patients in the Yangtze delta suffering oral mucosa precancerous lesions were enrolled into this study. The patients' clinical data and samples of oral precancerous mucosa, salivary and blood were collected to create a tissue bank, based on which a database was constructed using Microsoft Access software, Brower/Server structure and ASP language. The tissue bank and database of oral mucosa precancerous lesions were successfully built. The procedure to harvest, store and transport the samples had been standardized. The database showed good interactive interface, convenient for data collection, query and share in the internet. We constructed the tissue bank and database of oral mucosa precancerous lesions for the first time, which not only help preserve the biological resource of oral mucosa precancerous lesions, but also provide enormous convenience in clinical work, researching and teaching. Supported by Research Fund of Science and Technology Committee of Shanghai Municipality (08ZR1416700).

  13. Exposure to, and searching for, information about suicide and self-harm on the Internet: Prevalence and predictors in a population based cohort of young adults

    PubMed Central

    Mars, Becky; Heron, Jon; Biddle, Lucy; Donovan, Jenny L.; Holley, Rachel; Piper, Martyn; Potokar, John; Wyllie, Clare; Gunnell, David

    2015-01-01

    Background There is concern over the potential impact of the Internet on self-harm and suicidal behaviour, particularly in young people. However, little is known about the prevalence and patterns of suicide/self-harm related Internet use in the general population. Methods Cross sectional study of 3946 of the 8525 participants in the Avon Longitudinal Study of Parents and Children (ALSPAC) who were sent a self-report questionnaire including questions on suicide/self-harm related Internet use and self-harm history at age 21 years. Results Suicide/self-harm related Internet use was reported by 22.5% (886/3946) of participants; 11.9% (470/3946) had come across sites/chatrooms discussing self-harm or suicide, 8.2% (323/3946) had searched for information about self-harm, 7.5% (296/3946) had searched for information about suicide and 9.1% (357/3946) had used the Internet to discuss self-harm or suicidal feelings. Suicide/self-harm related Internet use was particularly prevalent amongst those who had harmed with suicidal intent (70%, 174/248), and was strongly associated with the presence of suicidal thoughts, suicidal plans, and history of self-harm. Sites offering help, advice, or support were accessed by a larger proportion of the sample (8.2%, 323/3946) than sites offering information on how to hurt or kill yourself (3.1%, 123/3946). Most individuals (81%) who had accessed these potentially harmful sites had also accessed help sites. Limitations (i) There were differences between questionnaire responders and non-responders which could lead to selection bias and (ii) the data were cross-sectional, and we cannot conclude that associations are causal. Conclusions Suicide/self-harm related Internet use is common amongst young adults, particularly amongst those with suicidal thoughts and behaviour. Both harmful and helpful sites were accessed, highlighting that the Internet presents potential risks but also offers opportunities for suicide prevention. PMID:26150198

  14. Teaching Undergraduate Money and Banking: T-Bill Auctions and Stock Market Models

    ERIC Educational Resources Information Center

    Saros, Daniel E.

    2009-01-01

    The author offers innovative approaches to 3 topics that are typically only briefly mentioned (if at all) in money and banking courses. The first topic is a Treasury bill auction experiment in which students have an opportunity to participate directly. The results from a class of 14 money and banking students are used to explain how an instructor…

  15. 12 CFR 563g.6 - Effective date.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 5 2011-01-01 2011-01-01 false Effective date. 563g.6 Section 563g.6 Banks and... date. (a) Except as provided for in paragraph (d) of this section, an offering circular filed by a... day after filing or on such earlier date as the Office may determine for good cause shown. (b) If any...

  16. Wisconsin Title I Migrant Education. Section 143 Project: Development of an Item Bank. Summary Report.

    ERIC Educational Resources Information Center

    Brown, Frank N.; And Others

    The successful Wisconsin Title 1 project item bank offers a valid, flexible, and efficient means of providing migrant student tests in reading and mathematics tailored to instructor curricula. The item bank system consists of nine PASCAL computer programs which maintain, search, and select from approximately 1,000 test items stored on floppy disks…

  17. Teachers Making Connections: Online Communities as a Source of Professional Learning

    ERIC Educational Resources Information Center

    Duncan-Howell, Jennifer

    2010-01-01

    The impact of the Internet on our lives has been pervasive. People are increasingly turning to the social interaction available on the Internet to satisfy their needs, whether these are professional or personal. The Internet offers users fast access to social contacts such as online chat groups and discussion lists, helping us to make connections…

  18. Internet Use, Risks and Online Behaviour: The View of Internet Users with Intellectual Disabilities and Their Caregivers

    ERIC Educational Resources Information Center

    Chiner, Esther; Gómez-Puerta, Marcos; Cardona-Moltó, María Cristina

    2017-01-01

    Background: Internet offers opportunities to people with intellectual disabilities, but it also involves some risks. The aim of this study was to explore these issues considering caregivers and people with intellectual disabilities' perspectives. Materials and Methods: A descriptive, cross-sectional study was conducted. The sample consisted of 77…

  19. Impact of Financial Liberalization on Banking Sectors Performance from Central and Eastern European Countries

    PubMed Central

    Andries, Alin Marius; Capraru, Bogdan

    2013-01-01

    In this paper we analyse the impact of financial liberalization and reforms on the banking performance in 17 countries from CEE for the period 2004–2008 using a two-stage empirical model that involves estimating bank performance in the first stage and assessing its determinants in the second one. From our analysis it results that banks from CEE countries with higher level of liberalization and openness are able to increase cost efficiency and eventually to offer cheaper services to clients. Banks from non-member EU countries are less cost efficient but experienced much higher total productivity growth level, and large sized banks are much more cost efficient than medium and small banks, while small sized banks show the highest growth in terms of productivity. PMID:23555745

  20. Impact of financial liberalization on banking sectors performance from central and eastern European countries.

    PubMed

    Andries, Alin Marius; Capraru, Bogdan

    2013-01-01

    In this paper we analyse the impact of financial liberalization and reforms on the banking performance in 17 countries from CEE for the period 2004-2008 using a two-stage empirical model that involves estimating bank performance in the first stage and assessing its determinants in the second one. From our analysis it results that banks from CEE countries with higher level of liberalization and openness are able to increase cost efficiency and eventually to offer cheaper services to clients. Banks from non-member EU countries are less cost efficient but experienced much higher total productivity growth level, and large sized banks are much more cost efficient than medium and small banks, while small sized banks show the highest growth in terms of productivity.

  1. Adding tools to the open source toolbox: The Internet

    NASA Technical Reports Server (NTRS)

    Porth, Tricia

    1994-01-01

    The Internet offers researchers additional sources of information not easily available from traditional sources such as print volumes or commercial data bases. Internet tools such as e-mail and file transfer protocol (ftp) speed up the way researchers communicate and transmit data. Mosaic, one of the newest additions to the Internet toolbox, allows users to combine tools such as ftp, gopher, wide area information server, and the world wide web with multimedia capabilities. Mosaic has quickly become a popular means of making information available on the Internet because it is versatile and easily customizable.

  2. Does company-sponsored egg freezing promote or confine women's reproductive autonomy?

    PubMed

    Mertes, Heidi

    2015-08-01

    A critical ethical analysis of the initiative of several companies to cover the costs of oocyte cryopreservation for their healthy employees. The main research question is whether such policies promote or confine women's reproductive autonomy. A distinction needs to be made between the ethics of AGE banking in itself and the ethics of employers offering it to their employees. Although the utility of the former is expected to be low, there are few persuasive arguments to deny access to oocyte cryopreservation to women who are well informed about the procedure and the success rates. However, it does not automatically follow that it would be ethically unproblematic for employers to offer egg banking to their employees. For these policies to be truly 'liberating', a substantial number of conditions need to be fulfilled, which can be reduced to three categories: (1) women should understand the benefits, risks and limitations, (2) women should feel no pressure to take up the offer; (3) the offer should have no negative effect on other family-friendly policies and should in fact be accompanied by such policies. Fulfilling these conditions may turn out to be impossible. Thus, regardless of companies' possible good intentions, women's reproductive autonomy is not well served by offering them company-sponsored AGE banking.

  3. The Effectiveness of Commercial Internet Web Sites: A User's Perspective.

    ERIC Educational Resources Information Center

    Bell, Hudson; Tang, Nelson K. H.

    1998-01-01

    A user survey of 60 company Web sites (electronic commerce, entertainment and leisure, financial and banking services, information services, retailing and travel, and tourism) determined that 30% had facilities for conducting online transactions and only 7% charged for site access. Overall, Web sites were rated high in ease of access, content, and…

  4. How Commercial Banks Use the World Wide Web: A Content Analysis.

    ERIC Educational Resources Information Center

    Leovic, Lydia K.

    New telecommunications vehicles expand the possible ways that business is conducted. The hypermedia portion of the Internet, the World Wide Web, is such a telecommunications device. The Web is presently one of the most flexible and dynamic methods for electronic information dissemination. The level of technological sophistication necessary to…

  5. Internet research in an international context.

    PubMed

    Baernholdt, Marianne; Clarke, Sean P

    2006-02-01

    Computers and the Internet provide researchers with new options in surveying. When using electronic surveys, several practical and methodological issues need to be considered such as whether the majority of the surveyed population has Internet access and whether an e-mail or a Web-based survey is most appropriate. Other important considerations relate to Internet security issues and, in international research, the possibility of language barriers. Despite these challenges, electronic surveys offer a promising alternative to conventional mail surveys.

  6. Is it time to abandon paper? The use of emails and the Internet for health services research--a cost-effectiveness and qualitative study.

    PubMed

    Hunter, Jennifer; Corcoran, Katherine; Leeder, Stephen; Phelps, Kerryn

    2013-10-01

    A multidisciplinary primary care clinic in Sydney, Australia, was planning to use electronic questionnaires to measure patient-reported outcomes. Semi-structured interviews with 20 patients were undertaken to explore, among other things, practical issues regarding different questionnaire formats. The response rates and costs of email versus postal invitations were also evaluated. Compared with postal invitations, email invitations offered a cost-effective and practical alternative, with a greater proportion of patients volunteering for an interview. Assuming the interface is well-designed and user-friendly, many patients were happy to use the Internet to answer questionnaires. Most patients thought alternate formats should also be offered. Patients discussed advantages and disadvantages of the Internet format. Although more younger patients and females had given the clinic an email address; both sexes, and young and old patients, expressed strong preferences for either wanting or not wanting to use the Internet. Researchers should consider using email invitations as a cost-effective first-line strategy to recruit patients to participate in health services research. Internet questionnaires are potentially cheaper than paper questionnaires, and the format is acceptable to many patients. However, for the time being, concurrent alternate formats need to be offered to ensure wider acceptability and to maximize response rates. © 2012 John Wiley & Sons Ltd.

  7. Internet Sites and Apps Available to Students Seeking Counselling, and What School Counsellors Should Know about Them

    ERIC Educational Resources Information Center

    Furlonger, Brett; Budisa, Sonja

    2016-01-01

    Consumers are increasingly turning to both the internet and apps for mental health assistance. Mobile technologies such as smart phones and tablets offer swift and anonymous access for students to internet sites and app environments. Availability, however, does not guarantee quality or credibility. This web-based pilot study was undertaken to…

  8. Why banks say NO to great healthcare practitioners. Five reasons why banks reject loans to quality small-business owners and what you can do about it.

    PubMed

    Warrick, Cheree

    2014-01-01

    If you have a dream of opening or expanding a practice, then bank lending is probably an option you've considered. However, many practitioners are under the false assumption that banks are currently not lending. Untrue! Between 2008 and 2012, banks have loaned an average of $216 billion to small businesses throughout the United States each year. There are two aspects to a bank loan package: (1) your loan application with tax information, asset information, etc.; and (2) your business plan. This article delves into the five reasons banks say "no" to a great healthcare practitioner and what you should include in your business plan to not only have the bank say "yes" to financing your business but also to create a situation where multiple banks are offering to lend you money.

  9. Diet & Nutrition

    MedlinePlus

    ... to locate registered dietician nutritionists (RDNs). Offers many consumer-geared resources . Food assistance Feeding America – Nationwide network ... food banks. Also offers information & links to help consumers determine their eligibility for federal food assistance such ...

  10. 75 FR 70002 - Agency Information Collection Activities: Comment Request

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-11-16

    ... loans, guarantees, insurance and working capital credits. By neutralizing the effect of export credit support offered by foreign governments and by absorbing credit risks that the private sector will not... Bank of the United States (``Ex-Im Bank'') is the [[Page 70003

  11. Colleges Aim for Niche in Online Banking.

    ERIC Educational Resources Information Center

    Williams, Audrey Y.

    2001-01-01

    Explores how, in deals meant to win friends as well as fees, colleges like Drexel University are joining with outside companies to offer online banking services. Discusses the risks and advantages of such private-label financial services for students, faculty/staff, and alumni. (EV)

  12. 12 CFR 900.2 - Terms relating to Bank operations, mission and supervision.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... of the regulation refers to the capital plan prior to its approval by the Finance Board. CIP means...), offered under section 10(j) of the Act (12 U.S.C. 1430(j)); a Bank's Community Investment Program (CIP...

  13. 12 CFR 900.2 - Terms relating to Bank operations, mission and supervision.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... of the regulation refers to the capital plan prior to its approval by the Finance Board. CIP means...), offered under section 10(j) of the Act (12 U.S.C. 1430(j)); a Bank's Community Investment Program (CIP...

  14. 12 CFR 900.2 - Terms relating to Bank operations, mission and supervision.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... of the regulation refers to the capital plan prior to its approval by the Finance Board. CIP means...), offered under section 10(j) of the Act (12 U.S.C. 1430(j)); a Bank's Community Investment Program (CIP...

  15. 12 CFR 900.2 - Terms relating to Bank operations, mission and supervision.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... of the regulation refers to the capital plan prior to its approval by the Finance Board. CIP means...), offered under section 10(j) of the Act (12 U.S.C. 1430(j)); a Bank's Community Investment Program (CIP...

  16. 12 CFR 900.2 - Terms relating to Bank operations, mission and supervision.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... of the regulation refers to the capital plan prior to its approval by the Finance Board. CIP means...), offered under section 10(j) of the Act (12 U.S.C. 1430(j)); a Bank's Community Investment Program (CIP...

  17. Incentive and Reminder Strategies to Improve Response Rate for Internet-Based Physician Surveys: A Randomized Experiment

    PubMed Central

    Wittich, Christopher M; Daniels, Wendlyn L; West, Colin P; Harris, Ann M; Beebe, Timothy J

    2016-01-01

    Background Most research on how to enhance response rates in physician surveys has been done using paper surveys. Uncertainties remain regarding how to enhance response rates in Internet-based surveys. Objective To evaluate the impact of a low-cost nonmonetary incentive and paper mail reminders (formal letter and postcard) on response rates in Internet-based physician surveys. Methods We executed a factorial-design randomized experiment while conducting a nationally representative Internet-based physician survey. We invited 3966 physicians (randomly selected from a commercial database of all licensed US physicians) via email to complete an Internet-based survey. We used 2 randomly assigned email messages: one message offered a book upon survey completion, whereas the other did not mention the book but was otherwise identical. All nonrespondents received several email reminders. Some physicians were further assigned at random to receive 1 reminder via paper mail (either a postcard or a letter) or no paper reminder. The primary outcome of this study was the survey response rate. Results Of the 3966 physicians who were invited, 451 (11.4%) responded to at least one survey question and 336 (8.5%) completed the entire survey. Of those who were offered a book, 345/2973 (11.6%) responded compared with 106/993 (10.7%) who were not offered a book (odds ratio 1.10, 95% CI 0.87-1.38, P=.42). Regarding the paper mail reminder, 168/1572 (10.7%) letter recipients, 148/1561 (9.5%) postcard recipients, and 69/767 (9.0%) email-only recipients responded (P=.35). The response rate for those receiving letters or postcards was similar (odds ratio 1.14, 95% CI 0.91-1.44, P=.26). Conclusions Offering a modest nonmonetary incentive and sending a paper reminder did not improve survey response rate. Further research on how to enhance response rates in Internet-based physician surveys is needed. PMID:27637296

  18. Incentive and Reminder Strategies to Improve Response Rate for Internet-Based Physician Surveys: A Randomized Experiment.

    PubMed

    Cook, David A; Wittich, Christopher M; Daniels, Wendlyn L; West, Colin P; Harris, Ann M; Beebe, Timothy J

    2016-09-16

    Most research on how to enhance response rates in physician surveys has been done using paper surveys. Uncertainties remain regarding how to enhance response rates in Internet-based surveys. To evaluate the impact of a low-cost nonmonetary incentive and paper mail reminders (formal letter and postcard) on response rates in Internet-based physician surveys. We executed a factorial-design randomized experiment while conducting a nationally representative Internet-based physician survey. We invited 3966 physicians (randomly selected from a commercial database of all licensed US physicians) via email to complete an Internet-based survey. We used 2 randomly assigned email messages: one message offered a book upon survey completion, whereas the other did not mention the book but was otherwise identical. All nonrespondents received several email reminders. Some physicians were further assigned at random to receive 1 reminder via paper mail (either a postcard or a letter) or no paper reminder. The primary outcome of this study was the survey response rate. Of the 3966 physicians who were invited, 451 (11.4%) responded to at least one survey question and 336 (8.5%) completed the entire survey. Of those who were offered a book, 345/2973 (11.6%) responded compared with 106/993 (10.7%) who were not offered a book (odds ratio 1.10, 95% CI 0.87-1.38, P=.42). Regarding the paper mail reminder, 168/1572 (10.7%) letter recipients, 148/1561 (9.5%) postcard recipients, and 69/767 (9.0%) email-only recipients responded (P=.35). The response rate for those receiving letters or postcards was similar (odds ratio 1.14, 95% CI 0.91-1.44, P=.26). Offering a modest nonmonetary incentive and sending a paper reminder did not improve survey response rate. Further research on how to enhance response rates in Internet-based physician surveys is needed.

  19. K-12 access to internet: Securing the legal framework

    NASA Astrophysics Data System (ADS)

    Blauassociate, Andrew

    1993-09-01

    While many people in government, education, and industry have lauded the potential educational value of Internet access for students in grades K-12, there is as yet no legal or regulatory framework within which this new medium is being offered to students. The Communications Policy Forum, a nonpartisan project of the Electronic Frontier Foundation, recently convened a roundtable to discuss some of the legal issues that arise when K-12 schools provide Internet access to their students. Approximately 15 people, representing carriers who provide connections to the Internet, schools or school systems who are connected to the Internet, and legal experts with expertise in this and related areas, met to discuss questions of legal liability as this new medium enters an educational setting for minors. The following attempts to capture the major issues, suggestions, and directions for further collaborative efforts raised during the course of that discussion. In brief, the group identified statutory language aimed at other types of electronic communication that may offer some guidance; was briefed on a host of state laws that could be used to prosecute providers of certain materials found on the Internet; and concluded that there is no case law that clearly applies to this setting. The discussion revealed an interest in anticipating issues and developing responses before problems arose, and the need for shared approaches to allow carriers to move forward in serving and expanding this field. Members of the group offered to pursue these issues jointly and agreed upon a handful of concrete steps for further exploration and discussion.

  20. Population-level effects of automated smoking cessation help programs: a randomized controlled trial.

    PubMed

    Borland, Ron; Balmford, James; Benda, Peter

    2013-03-01

    To test the population impact of offering automated smoking cessation interventions via the internet and/or by mobile phone. Pragmatic randomized controlled trial with five conditions: offer of (i) minimal intervention control; (ii) QuitCoach personalized tailored internet-delivered advice program; (iii) onQ, an interactive automated text-messaging program; (iv) an integration of both QuitCoach and onQ; and (v) a choice of either alone or the combined program. Australia, via a mix of internet and telephone contacts. A total of 3530 smokers or recent quitters recruited from those interested in quitting, and seeking self-help resources (n = 1335) or cold-contacted from internet panels (n = 2195). The primary outcome was self-report of 6 months sustained abstinence at 7 months post-recruitment. Only 42.5% of those offered one of the interventions took it up to a minimal level. The intervention groups combined had a non-significantly higher 6-month sustained abstinence rate than the control [odds ratio (OR) = 1.48; 95% confidence interval (CI): 0.98-2.24] (missing cases treated as smokers), with no differences between the interventions. Among those who used an intervention, there was a significant overall increase in abstinence (OR = 1.95; CI: 1.04-3.67), but not clearly so when analysing only cases with reported outcomes. Success rates were greater among those recruited after seeking information compared to those cold-contacted. Smokers interested in quitting who were assigned randomly to an offer of either the QuitCoach internet-based support program and/or the interactive automated text-messaging program had non-significantly greater odds of quitting for at least 6 months than those randomized to an offer of a simple information website. © 2012 The Authors, Addiction © 2012 Society for the Study of Addiction.

  1. Selecting the best bank that offered Islamic personal loan package by using consistent fuzzy preference relations (CFPR)

    NASA Astrophysics Data System (ADS)

    Kadir, Norhidayah A.; Sarudin, Ezzah Suraya; Hamid, Fairus; Shamsuddin, Nor Diyana Ahmad

    2014-10-01

    There are various thoughts and opinions when it comes to how people think of their selected banks. Therefore, to choose the best bank with a good personal loan package can be a bit tricky especially for first time customer. This research offers a guide in choosing the right bank for applying personal loan package by highlighting the important criteria that applicants should take into consideration. In order to cater the problem above, we used Consistent Fuzzy Preference Relations (CFPR). Based on expert and public opinions, the important criteria in selecting an Islamic personal loan package are interest rate, tenure of loan, processing period and security of the loan. We developed questionnaire with the criteria mention earlier and distributed it among academic staffs and non academic staffs at Faculty of Computer and Mathematical Sciences (FSKM), UiTM Shah Alam. Based on the questionnaire, we found that four banks have been selected for multiple reasons. Before we could determine the best bank, calculations are divided into 2 phases which are criteria weights determination and ranking of alternatives. We implemented these phases to get the aggregation result and to obtain the ranking in descending order. As a result, our objectives have been achieved. As a conclusion, CFPR can help others in the decision making process.

  2. The Study on Financial Supervision for Chinese Financial Industry under Mixed Operation

    NASA Astrophysics Data System (ADS)

    Wei, Song

    Financial mixed operation refers to that financial institution can offer all financial services (banking, securities, insurance, and trust) and engage in industrial businesses by holding the share ownership. Because of self interests, risk diversification, the change of competition condition, and clients' needs of the diversity of financial products and services, commercial banks make it possible for the mixed operation to be the optimal choice of the banking businesses under dynamic conditions in globalized competition, which results in the diversity and integration of banking businesses.

  3. Internet-based instruction in college teaching

    NASA Astrophysics Data System (ADS)

    Flickinger, Kathleen Anne

    Distance education and Internet instruction are increasingly being used in college science teaching. In an effort to reach more students, Iowa State University's Human Anatomy and Physiology course was offered via Internet as well as via traditional lecture format. To assess the educational ramifications of this offering, three studies were conducted. In the first study, a collective case study approach was utilized to describe the learning environment created by an Internet-based college science course. In this study, three students were followed as they worked their way through the course. Collective case study methodologies were used to provide a rich description of the learning environment experienced by these students. Motivation, computer savvy, and academic and personal self-confidence appeared to impact the satisfaction level of the students enrolled in the class. To evaluate the effectiveness of the learning environment offered through the Internet-based science course, a quantitative comparison study was undertaken. In this study a comparison of achievement scores and study habits between students enrolled in the Internet-based class and those enrolled in the traditional section was made. Results from this study indicated that content understanding and retention did not appear to be effected by the type of instruction. Desirable study habits were reportedly used more frequently in the Internet section of the class than in the traditional class. To complete the description of the Internet course experience, a qualitative examination of Internet instructors' time commitment and level of teaching satisfaction was conducted. Data for this study consisted of interviews and researcher observations. Instructor time-on-task was initially quite high, and remained above the average spent on average face-to-face instruction in subsequent semesters. Additionally the role of the faculty member changed dramatically, causing some lessening of job satisfaction. Taken as a whole, these three approaches to understanding the phenomenon of Internet science instruction reveal that the experience of learning science on the Internet can be a viable alternative for diverse learners. Students can learn science on-line at an achievement level that is equal to or better than students in a traditional course. Moreover, such courses may stimulate increased student interest in science and on-line learning. The results of this research indicate that Internet-based courses change the nature of instructional tasks. Instructors spend more time preparing for Internet-based courses than traditional courses; however, the majority of course preparation is associated with technical issues. These technical issues and changes in the nature of instructional tasks will have to be addressed by higher educational institutions.

  4. Ethical Issues in Providing Online Psychotherapeutic Interventions

    PubMed Central

    2000-01-01

    The Internet offers psychotherapists a new communication medium through which they can deliver psychotherapeutic interventions that are appropriate to the medium. Yet online psychotherapy also offers new ethical challenges for therapists interested in providing online psychotherapeutic services. The differences between interactive text-based communication and in-person verbal communication create new ethical challenges not previously encountered in face-to-face therapy. This article will examine the Internet's potential for providing online psychotherapeutic interventions and will review the ethical issues involved with providing interactive text-based psychotherapy. PMID:11720924

  5. Internet and social network recruitment: two case studies.

    PubMed

    Johnson, Kathy A; Peace, Jane

    2012-01-01

    The recruitment of study participants is a significant research challenge. The Internet, with its ability to reach large numbers of people in networks connected by email, Facebook and other social networking mechanisms, appears to offer new avenues for recruitment. This paper reports recruitment experiences from two research projects that engaged the Internet and social networks in different ways for study recruitment. Drawing from the non-Internet recruitment literature, we speculate that the relationship with the source of the research and the purpose of the engaged social network should be a consideration in Internet or social network recruitment strategies.

  6. Stem Cell Banking for Regenerative and Personalized Medicine

    PubMed Central

    Harris, David T.

    2014-01-01

    Regenerative medicine, tissue engineering and gene therapy offer the opportunity to treat and cure many of today’s intractable afflictions. These approaches to personalized medicine often utilize stem cells to accomplish these goals. However, stem cells can be negatively affected by donor variables such as age and health status at the time of collection, compromising their efficacy. Stem cell banking offers the opportunity to cryogenically preserve stem cells at their most potent state for later use in these applications. Practical stem cell sources include bone marrow, umbilical cord blood and tissue, and adipose tissue. Each of these sources contains stem cells that can be obtained from most individuals, without too much difficulty and in an economical fashion. This review will discuss the advantages and disadvantages of each stem cell source, factors to be considered when contemplating banking each stem cell source, the methodology required to bank each stem cell source, and finally, current and future clinical uses of each stem cell source. PMID:28548060

  7. Development of a Theory-Based Internet Program Promoting Maintenance of Diet and Physical Activity Change to 8-Year-Old African American Girls

    ERIC Educational Resources Information Center

    Thompson, Debbe; Baranowski, Janice; Cullen, Karen; Baranowski, Tom

    2007-01-01

    Obesity and chronic disease risk factors are rising among youth. The Internet offers promise as a channel for delivering behavior change programs in a manner that is both available and accessible. This manuscript describes how theory informed the development of an Internet-based program promoting the maintenance of healthy eating and physical…

  8. The 21st Century Teachers' Guide to Recommended Internet Sites. Neal-Schuman NetGuide Series [with CD-ROM].

    ERIC Educational Resources Information Center

    DiGeorgio, Marvin; Lesage, Sylvia

    This book is a practical Internet guide designed to help teachers and students at all levels and in all academic disciplines discover a selection of educational sites from around the world. More than 400 sites are described and organized by academic discipline, and these sites offer links to thousands of other educational sites on the Internet.…

  9. The Internet Playground: Children's Access, Entertainment, and Mis-Education. Second Printing. Popular Culture and Everyday Life Volume 10

    ERIC Educational Resources Information Center

    Seiter, Ellen

    2007-01-01

    Based on four years of experience teaching computers to 8-12 year olds, media scholar Ellen Seiter offers parents and educators practical advice on what children need to know about the Internet and when they need to know it. "The Internet Playground" argues that, contrary to the promises of technology boosters, teaching with computers is…

  10. Exposure to, and searching for, information about suicide and self-harm on the Internet: Prevalence and predictors in a population based cohort of young adults.

    PubMed

    Mars, Becky; Heron, Jon; Biddle, Lucy; Donovan, Jenny L; Holley, Rachel; Piper, Martyn; Potokar, John; Wyllie, Clare; Gunnell, David

    2015-10-01

    There is concern over the potential impact of the Internet on self-harm and suicidal behaviour, particularly in young people. However, little is known about the prevalence and patterns of suicide/self-harm related Internet use in the general population. Cross sectional study of 3946 of the 8525 participants in the Avon Longitudinal Study of Parents and Children (ALSPAC) who were sent a self-report questionnaire including questions on suicide/self-harm related Internet use and self-harm history at age 21 years. Suicide/self-harm related Internet use was reported by 22.5% (886/3946) of participants; 11.9% (470/3946) had come across sites/chatrooms discussing self-harm or suicide, 8.2% (323/3946) had searched for information about self-harm, 7.5% (296/3946) had searched for information about suicide and 9.1% (357/3946) had used the Internet to discuss self-harm or suicidal feelings. Suicide/self-harm related Internet use was particularly prevalent amongst those who had harmed with suicidal intent (70%, 174/248), and was strongly associated with the presence of suicidal thoughts, suicidal plans, and history of self-harm. Sites offering help, advice, or support were accessed by a larger proportion of the sample (8.2%, 323/3946) than sites offering information on how to hurt or kill yourself (3.1%, 123/3946). Most individuals (81%) who had accessed these potentially harmful sites had also accessed help sites. (i) There were differences between questionnaire responders and non-responders which could lead to selection bias and (ii) the data were cross-sectional, and we cannot conclude that associations are causal. Suicide/self-harm related Internet use is common amongst young adults, particularly amongst those with suicidal thoughts and behaviour. Both harmful and helpful sites were accessed, highlighting that the Internet presents potential risks but also offers opportunities for suicide prevention. Copyright © 2015 The Authors. Published by Elsevier B.V. All rights reserved.

  11. 76 FR 41845 - Self-Regulatory Organizations; The NASDAQ Stock Market LLC; Notice of Filing and Immediate...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-07-15

    ... performance of the market. In May 2008, the internet portal Yahoo! began offering its website viewers real... products that must be obtained in tandem. For example, while the internet portal Yahoo! continues to...

  12. Internet Performance Analysis of South Asian Countries Using End-to-End Internet Performance Measurements

    DOE PAGES

    Ali, Saqib; Wang, Guojun; Cottrell, Roger Leslie; ...

    2018-05-28

    Internet performance is highly correlated with key economic development metrics of a region. According to World Bank, the economic growth of a country increases 1.3% with a 10% increase in the speed of the Internet. Therefore, it is necessary to monitor and understand the performance of the Internet links in the region. It helps to figure out the infrastructural inefficiencies, poor resource allocation, and routing issues in the region. Moreover, it provides healthy suggestions for future upgrades. Therefore, the objective of this paper is to understand the Internet performance and routing infrastructure of South Asian countries in comparison to themore » developed world and neighboring countries using end-to-end Internet performance measurements. The South Asian countries comprise nearly 32% of the Internet users in Asia and nearly 16% of the world. The Internet performance metrics in the region are collected through the PingER framework. The framework is developed by the SLAC National Accelerator Laboratory, USA and is running for the last 20 years. PingER has 16 monitoring nodes in the region, and in the last year PingER monitors about 40 sites in South Asia using the ubiquitous ping facility. The collected data is used to estimate the key Internet performance metrics of South Asian countries. The performance metrics are compared with the neighboring countries and the developed world. Particularly, the TCP throughput of the countries is also correlated with different development indices. Further, worldwide Internet connectivity and routing patterns of the countries are investigated to figure out the inconsistencies in the region. Furthermore, the performance analysis revealed that the South Asia region is 7-10 years behind the developed regions of North America (USA and Canada), Europe, and East Asia.« less

  13. Internet Performance Analysis of South Asian Countries Using End-to-End Internet Performance Measurements

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

    Ali, Saqib; Wang, Guojun; Cottrell, Roger Leslie

    Internet performance is highly correlated with key economic development metrics of a region. According to World Bank, the economic growth of a country increases 1.3% with a 10% increase in the speed of the Internet. Therefore, it is necessary to monitor and understand the performance of the Internet links in the region. It helps to figure out the infrastructural inefficiencies, poor resource allocation, and routing issues in the region. Moreover, it provides healthy suggestions for future upgrades. Therefore, the objective of this paper is to understand the Internet performance and routing infrastructure of South Asian countries in comparison to themore » developed world and neighboring countries using end-to-end Internet performance measurements. The South Asian countries comprise nearly 32% of the Internet users in Asia and nearly 16% of the world. The Internet performance metrics in the region are collected through the PingER framework. The framework is developed by the SLAC National Accelerator Laboratory, USA and is running for the last 20 years. PingER has 16 monitoring nodes in the region, and in the last year PingER monitors about 40 sites in South Asia using the ubiquitous ping facility. The collected data is used to estimate the key Internet performance metrics of South Asian countries. The performance metrics are compared with the neighboring countries and the developed world. Particularly, the TCP throughput of the countries is also correlated with different development indices. Further, worldwide Internet connectivity and routing patterns of the countries are investigated to figure out the inconsistencies in the region. Furthermore, the performance analysis revealed that the South Asia region is 7-10 years behind the developed regions of North America (USA and Canada), Europe, and East Asia.« less

  14. 77 FR 47688 - Agency Information Collection Activities: Proposed Request and Comment Request

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-08-09

    ... Security number (SSN). In addition, the employee's name and SSN must match SSA's records for SSA to post... information either through the Internet or via telephone. The respondents are employers who need to verify SSN... Security payments to Canada and (2) mandate the reclamation of funds paid erroneously to a Canadian bank or...

  15. 2001 Industry Studies: Financial Services

    DTIC Science & Technology

    2001-01-01

    financial services firms are also positioning to compete here and abroad with international firms. Advances in information technology continue to provide...future. A veritable revolution is taking place within the financial services industry. Globalization, information technology and continuing... technological infrastructure that must be protected. Industry vulnerabilities will continue to increase as use of the Internet , e-commerce, and e-banking become

  16. The Impact of Information and Communication Technology on Intermediation, Outreach, and Decision Rights in the Microfinance Industry

    ERIC Educational Resources Information Center

    Weber, David Michael

    2012-01-01

    The microfinance industry provides financial services to the world's poor in hopes of moving individuals and families out of poverty. This dissertation document suggests that information and communication technologies (ICTs) are changing the microfinance industry, especially given recent advancements in mobile banking, Internet usage and…

  17. Using Television Commercials as Video Illustrations: Examples from a Money and Banking Economics Class

    ERIC Educational Resources Information Center

    Bowes, David R.

    2014-01-01

    Video clips are an excellent way to enhance lecture material. Television commercials are a source of video examples that should not be overlooked and they are readily available on the internet. They are familiar, short, self-contained, constantly being created, and often funny. This paper describes several examples of television commercials that…

  18. Swiss community pharmacies' on the Web and pharmacists' experiences with E-commerce: longitudinal study and Internet-based questionnaire survey.

    PubMed

    Zehnder, Simon; Bruppacher, Rudolf; Ruppanner, Hans; Hersberger, Kurt E

    2004-03-03

    There are multiple ways in which community pharmacies can present themselves on the Internet, e.g., as a platform for drug information or as an advertising platform for their services. To estimate the number of Swiss community pharmacies on the Internet over the period of 32 months (2000-2003), to describe their current e-commerce services, and to explore the experiences and plans these pharmacies have with regard to their Internet presence. A longitudinal study was performed to determine the number of Swiss German pharmacies on the Internet by conducting Internet searches in 2000, 2001, and 2003. In April 2002, a cross-sectional Internet-based survey was administered to explore the pharmacies' experiences and plans regarding their Web sites. As of April 2003, 373 (44%) of 852 community pharmacies from the German speaking part of Switzerland were on the Internet. One hundred eighty four listed an e-mail address and were asked to complete a questionnaire. Of the 107 pharmacies answering the survey questions (58% response rate): 46% had been on the Internet for 1 to 2 years; 33% of the Web sites are part of a pharmacy group's Web portal; 31% of the pharmacies plan to expand their Internet appearance in the future; 74% provide e-commerce services, with 81% of those pharmacies filling five or less orders per month; and 12% plan on expanding their e-commerce services in the future. The number of community pharmacies offering Internet services steadily increased over 32 months. Given the importance of the Internet as a tool for information, communication, and advertising for pharmacy products and services, it can be expected that the increase will continue. Pharmacy-group portals are important promoters of pharmacies on the Internet. For many community pharmacies, Internet portals that provide an Internet presence for the pharmacies and provide regularly-updated content (e.g., health news, tips, drug information) seem to be the most effective solutions. Even though 40% of the pharmacies already offer e-commerce services, these services are still of minor importance. For many pharmacists, the current legal regulations seem to be unclear. Most pharmacies want to maintain their Internet services.

  19. Electronic Banking and the Death of Privacy.

    ERIC Educational Resources Information Center

    McLuhan, Marshall; Powers, Bruce

    1981-01-01

    Describes some of the problems for the individual inherent in the rapidly expanding computerized field of credit and banking. Proposes that electronic fund transfer systems could virtually replace the use of cash. Warns that while such systems offer wide advantages to business, they threaten the individual's privacy. (JMF)

  20. 12 CFR 34.23 - Prepayment fees.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... the outstanding debt over the remaining loan term at the then-current interest rate, that are made in... Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY REAL ESTATE LENDING AND APPRAISALS Adjustable-Rate Mortgages § 34.23 Prepayment fees. A national bank offering or purchasing ARM loans may...

  1. The sales and marketing practices of English-language internet alcohol vendors.

    PubMed

    Williams, Rebecca S; Schmidt, Allison

    2014-03-01

    This study aimed to fill information gaps about the sales and marketing practices of internet alcohol vendors and their implications for addressing youth access and other legal violations. Further, it aimed to expand the limited scientific literature on internet alcohol sales using systematic survey methods to inform future efforts to regulate this industry and prevent sales to minors. The design was a cross-sectional website content analysis survey. [Not applicable]. A total of 105 internet alcohol vendor websites. Six key content analysis topics were explored: products offered, average prices and proportions of vendors using different promotions, policy statements and methods for age verification, payment and delivery. Websites sell and promote a variety of alcohol products, offered as cheaply as $1.93 for a 750-ml bottle. Vendors rely heavily upon age verification methods that are unlikely to prevent sales to minors. Many vendors advertise shipping of products via methods through which it is illegal or against delivery company policies to transport alcohol, and 99% of vendors accept credit cards. Limiting and enforcing delivery and payment options are types of policy interventions that have been used successfully with internet cigarette vendors that may be applicable to internet alcohol vendors as well. Internet alcohol vendor practices are insufficient to prevent sales to minors, and need further regulation and enforcement of existing policies. Their sales practices are similar to those of internet cigarette vendors prior to regulation, and similar regulatory approaches may be effective in reducing internet alcohol sales to minors. © 2013 Society for the Study of Addiction.

  2. Imagining the Digital Library in a Commercialized Internet.

    ERIC Educational Resources Information Center

    Heckart, Ronald J.

    1999-01-01

    Discusses digital library planning in light of Internet commerce and technological innovation in marketing and customer relations that are transforming user expectations about Web sites that offer products and services. Topics include user self-sufficiency; personalized service; artificial intelligence; collaborative filtering; and electronic…

  3. 77 FR 20666 - Self-Regulatory Organizations; The NASDAQ Stock Market LLC; Notice of Filing and Immediate...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-04-05

    ... performance of the market. In May 2008, the internet portal Yahoo! began offering its Web site viewers real..., rather than as products that must be obtained in tandem. For example, while the internet portal Yahoo...

  4. 77 FR 41467 - Self-Regulatory Organizations; The NASDAQ Stock Market LLC; Notice of Filing and Immediate...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-07-13

    ... performance of the market. In May 2008, the internet portal Yahoo! began offering its Web site viewers real... products that must be obtained in tandem. For example, while the internet portal Yahoo! continues to...

  5. 77 FR 61810 - Self-Regulatory Organizations; The NASDAQ Stock Market LLC; Notice of Filing and Immediate...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-10-11

    ... performance of the market. In May 2008, the internet portal Yahoo! began offering its Web site viewers real... products that must be obtained in tandem. For example, while the internet portal Yahoo! continues to...

  6. Digital Storytelling in the Language Arts Classroom

    ERIC Educational Resources Information Center

    Bull, Glen; Kajder, Sara

    2005-01-01

    Technology offers a number of opportunities for connecting classrooms with the world. The advent of the Internet has offered unprecedented prospects for classroom connections, but the recent diffusion of digital cameras throughout society offers instructional possibilities as well. This document provides a detailed examination of digital…

  7. 12 CFR 1281.11 - Bank housing goals.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... the applicable average prime offer rate as reported in the Home Mortgage Disclosure Act data shall be... under the housing goals shall be excluded. (c) Low-income families housing goal. For a Bank that is...-approved mortgages on owner-occupied single-family housing that consists of mortgages for low-income...

  8. 76 FR 5373 - Agency Information Collection Activities: Comment Request

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-01-31

    ..., guarantees, insurance and working capital credits. By neutralizing the effect of export credit support offered by foreign governments and by absorbing credit risks that the private sector will not accept, Ex... Bank of the United States (``Ex-Im Bank'') is the official export credit agency of the United States...

  9. 75 FR 70003 - Agency Information Collection Activities: Comment Request

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-11-16

    ..., guarantees, insurance and working capital credits. By neutralizing the effect of export credit support offered by foreign governments and by absorbing credit risks that the private sector will not accept, Ex...-Import Bank of the United States (``Ex-Im Bank'') is the official export credit agency of the United...

  10. 75 FR 70003 - Agency Information Collection Activities: Comment Request

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-11-16

    ... support offered by foreign governments and by absorbing credit risks that the private sector will not... Request. Form Title: Notice of Claim and Proof of Loss, Export Credit Insurance policies. SUMMARY: The Export-Import Bank of the United States (``Ex-Im Bank'') is the official export credit agency of the...

  11. 76 FR 5374 - Agency Information Collection Activities: Comment Request

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-01-31

    ... support offered by foreign governments and by absorbing credit risks that the private sector will not... Request. Form Title: Notice of Claim and Proof of Loss, Export Credit Insurance policies. SUMMARY: The Export-Import Bank of the United States (``Ex-Im Bank'') is the official export credit agency of the...

  12. Ice Versus Rock

    ERIC Educational Resources Information Center

    Rule, Audrey C.; Olson, Eric A.; Dehm, Janet

    2005-01-01

    During a snow bank exploration, students noticed "ice caves," or pockets, in some of the larger snow banks, usually below darker layers. Most of these caves had many icicles hanging inside. Students offered reasonable explanations of ice cave formation--squirrels, kids, snow blowers--and a few students came close to the true ice cave-formation…

  13. Difficulty and Discriminability of Introductory Psychology Test Items.

    ERIC Educational Resources Information Center

    Scialfa, Charles; Legare, Connie; Wenger, Larry; Dingley, Louis

    2001-01-01

    Analyzes multiple-choice questions provided in test banks for introductory psychology textbooks. Study 1 offered a consistent picture of the objective difficulty of multiple-choice tests for introductory psychology students, while both studies 1 and 2 indicated that test items taken from commercial test banks have poor psychometric properties.…

  14. Architecture. Intermediate ThemeWorks. An Integrated Activity Bank.

    ERIC Educational Resources Information Center

    Stewart, Kelly

    This resource book offers an activity bank of learning experiences related to the theme of architecture. The activities, which are designed for use with students in grades 4-6, require active engagement of the students and integrate language arts, mathematics, science, social studies, and art experiences. Activities exploring the architectural…

  15. HEADSS up: Adolescents and the Internet

    PubMed Central

    Norris, Mark L

    2007-01-01

    INTRODUCTION The Internet contains a tremendous amount of unregulated information. Internet use gives adolescents access to a wide variety of information and communication devices, and may be associated with certain risks. OBJECTIVE To provide health care professionals with information on adolescent Internet use and its associated risks. DISCUSSION Ninety-four per cent of Canadian youth surveyed nationwide in 2005 reported having Internet access in their homes. Parents and health care providers need to educate themselves on issues of Internet safety. The divergent means by which adolescents are using the Internet and the inherent risks associated with unsupervised and uneducated use are addressed. Parents and teenagers are provided with tips for safe Internet use, and health care providers are offered sample questions pertaining to adolescent Internet use. SUMMARY A large proportion of adolescents use the Internet daily. Studies examining the risks of online exposure in this age group are evolving. Awareness of the range of applications and information available online will facilitate counselling on appropriate Internet use. PMID:19030361

  16. 78 FR 30226 - Accessibility Requirements for Internet Browsers

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-05-22

    ... products and services with peripheral devices or specialized customer premise equipment commonly used by... the telephone or services that such manufacturer or provider offers is accessible to and usable by... requires certain Internet browsers used for advanced communications services to be accessible to people...

  17. Internet Business Solutions

    NASA Technical Reports Server (NTRS)

    1997-01-01

    Cogent Software, Inc. was formed in January 1995 by David Atkinson and Irene Woerner, both former employees of the Jet Propulsion Laboratory (JPL). Several other Cogent employees also worked at JPL. Atkinson headed JPL's Information Systems Technology section and Woerner lead the Advanced User Interfaces Group. Cogent's mission is to help companies organize and manage their online content by developing advanced software for the next generation of online directories and information catalogs. The company offers a complete range of Internet solutions, including Internet access, Web site design, local and wide-area networks, and custom software for online commerce applications. Cogent also offers DesignSphere Online, an electronic community for the communications arts industry. Customers range from small offices to manufacturers with thousands of employees, including Chemi-Con, one of the largest manufacturers of capacitors in the world.

  18. Developing an Internet-Based Chemistry Class

    NASA Astrophysics Data System (ADS)

    Patterson, Mary Jane

    2000-05-01

    With the increasing popularity of Internet-based classes, more faculty are being asked to develop them (1). In Texas, the Virtual College of Texas (http://www.vct.org) even provides a forum that allows community colleges to advertise their distance-learning classes, and it paves the way for a college to offer a distance-learning class from any other college in the state. The two colleges simply work out a Memorandum of Understanding, mutually deciding how to administer the class, divide fees, set enrollment limits, among other details. While some classes are easily adapted to an Internet format, lab sciences raise a number of issues that must be tackled before a quality course can be developed in this new medium. I will raise some of those issues and offer a few possibilities.

  19. [Direct-to-consumer genetic testing through Internet: marketing, ethical and social issues].

    PubMed

    Ducournau, Pascal; Gourraud, Pierre-Antoine; Rial-Sebbag, Emmanuelle; Bulle, Alexandre; Cambon-Thomsen, Anne

    2011-01-01

    We probably did not anticipate all the consequences of the direct to consumer genetic tests on Internet, resulting from the combined skills of communication and genomic advances. What are the commercial strategies used by the companies offering direct-to-consumer genetic tests on Internet and what are the different social expectations on which they focus? Through a quantitative and qualitative analysis of the web sites offering such tests, it seems that these companies target a triple market based on: the "healthism" which raises health and hygiene to the top of the social values; the contemporary demands of the users to become actual actors of health decisions; and finally on the need for bio-social relationships. These three commercial strategies underlie various ethical and societal issues justifying a general analysis.

  20. A Survey on Distributed Mobile Database and Data Mining

    NASA Astrophysics Data System (ADS)

    Goel, Ajay Mohan; Mangla, Neeraj; Patel, R. B.

    2010-11-01

    The anticipated increase in popular use of the Internet has created more opportunity in information dissemination, Ecommerce, and multimedia communication. It has also created more challenges in organizing information and facilitating its efficient retrieval. In response to this, new techniques have evolved which facilitate the creation of such applications. Certainly the most promising among the new paradigms is the use of mobile agents. In this paper, mobile agent and distributed database technologies are applied in the banking system. Many approaches have been proposed to schedule data items for broadcasting in a mobile environment. In this paper, an efficient strategy for accessing multiple data items in mobile environments and the bottleneck of current banking will be proposed.

  1. INTRODUCTION TO PATIENT-REPORTED OUTCOME ITEM BANKS: ISSUES IN MINORITY AGING RESEARCH

    PubMed Central

    Templin, Thomas N; Hays, Ron D; Gershon, Richard C; Rothrock, Nan; Jones, Richard N; Teresi, Jeanne A; Stewart, Anita; Weech-Maldonado, Robert; Wallace, Steve

    2014-01-01

    In 2004 NIH awarded contracts to initiate the development of high quality psychological and neuropsychological outcome measures for improved assessment of health-related outcomes. The workshop introduced these measurement development initiatives, the measures created, and the NIH supported resource (Assessment Center) for internet or tablet-based test administration and scoring. Presentation covered: (a) item response theory (IRT) and assessment of test bias, (b) construction of item banks and computerized adaptive testing, and (c) the different ways in which qualitative analyses contribute to the definition of construct domains and the refinement of outcome constructs. The panel discussion included questions about representativeness of samples, and assessment of cultural bias. PMID:23570428

  2. Internet pharmacy: issues of access, quality, costs, and regulation.

    PubMed

    Crawford, Stephanie Y

    2003-02-01

    Internet pharmacy has been the focus of heightened interest over the past 3 years since the first major Web site was introduced in the United States. This paper addresses issues pertaining to Internet pharmacies that sell prescriptions and other products to consumers at the retail level. The Internet pharmacy industry has shifted rapidly in the short time span. This paper begins with a summary of historical considerations and the shifting organization of Internet pharmacy. The advantages and disadvantages of online pharmacy practice are listed. Issues of access, quality, and cost are described. The challenges in regulation at the state and federal levels are presented. Advice to consumers is offered regarding the use of Internet pharmacy sites for purchasing prescription drug products.

  3. [Regulating the internet: a comparative analysis of Brazil, Chile, Spain, the US, and France].

    PubMed

    Segurado, Rosemary; Lima, Carolina Silva Mandú de; Ameni, Cauê S

    2015-12-01

    Global governance is of key concern in the current debate over the workings of the world's computer network, and Brazil has played a notable role in this process, especially after approval of the Marco Civil da Internet (law 12.965, april 23, 2014), which defines Brazil's regulatory framework for the internet. Dubbed the internet bill of rights, this law sets out the principles, guarantees, rights, and duties of internet users and providers in Brazil. Based on the fundamental categories of net neutrality, internet users' right to privacy, and copyright discussions from the perspective of intellectual property, the article offers a comparative analysis of regulations in five countries: Brazil, Chile, Spain, the US, and France.

  4. Distance Education: Where It Started and Where It Stands for Gifted Children and Their Educators

    ERIC Educational Resources Information Center

    Olszewski-Kubilius, Paula; Corwith, Susan

    2011-01-01

    Today it seems that almost anything can be done remotely--most often electronically. Today, from shopping and banking to conducting research and taking courses, people use the Internet and other electronic media as resources and as means of completing a multitude of tasks both simple and complex. Educational institutions have long embraced the…

  5. Enhancing Defense Support of Civil Authorities within the National Capital Region

    DTIC Science & Technology

    2011-04-04

    tenorist organizations center of gravity, critical capabilities, critical requirements, and critical vulnerabilities. For example, to execute the...London Underground bombings ( critical capability), the group (center of gravity) needed money ( critical requirement! critical vulnerability). 8 Usually...the movement of large amounts of money through banks, the internet, or via credit cards creates a critical vulnerability because law enforcement

  6. Teaching about Global and U.S. Poverty Using the Internet

    ERIC Educational Resources Information Center

    Risinger, C. Frederick

    2012-01-01

    Just a few months earlier, the United Nations and the World Bank reported that 1.4 billion people live below the new poverty rate of US $1.25 per day. That news was accompanied by stories of severe famine in Africa, Asia, and even scattered through Europe and the Americas. The author knows that it's sometimes difficult to teach about contemporary…

  7. An Educators' Guide to Information Access across the Internet.

    ERIC Educational Resources Information Center

    Hazari, Sunil

    1994-01-01

    A discussion of tools available for use of the Internet, particularly by college and university educators and students, offers information on use of various services, including electronic mailing list servers, data communications protocols for networking, inter-host connections, file transfer protocol, gopher software, bibliographic searching,…

  8. [CME-certified online education in Germany - status in ophthalmology 2011].

    PubMed

    Handzel, D M

    2012-06-01

    The use of the internet is becoming more and more important in every aspect of daily life, also in professional education. Online education and face-to-face learning have proven to be equally efficient. The aim of this study is to evaluate the amount of online education in the German-speaking internet 2011. The terms "ophthalmology", "online-education", "continuing medical education" and "CME" (partly in German language) were searched by an internet-search engine. The first 100 pages were visited. Pages were evaluated in respect of quality and quantity, authorship and possible influence of sponsors. Only 9 of the first 100 hits had an actual offer for ophthalmology. Nearly all of these were websites of ophthalmological scientific journals. The content represented the same educational format (pictures and text) as in the print issue. CME-certified online education can be found in Germany as offspring of print issues only. The content is identical with educational texts in the print issues. An enlargement of the offer, which uses the possibilities of modern internet technology is highly probable. This estimation is supported by the growing use of the internet and developments on English-speaking websites for online-education. © Georg Thieme Verlag KG Stuttgart · New York.

  9. Protecting Health and Saving Lives: The Part-Time/Internet-Based Master of Public Health Program at the Johns Hopkins Bloomberg School of Public Health

    ERIC Educational Resources Information Center

    Bruce, Linda; Gresh, Kathy; Vanchiswaran, Rohini; Werapitiya, Deepthi

    2007-01-01

    This article discusses the part-time/Internet-based Master of Public Health (MPH) program at the Johns Hopkins Bloomberg School of Public Health (JHSPH). The Johns Hopkins Bloomberg School of Public Health was the first school of public health in the United States to offer a Master of Public Health program via the Internet. The JHSPH MPH Program…

  10. Study on Personalized Recommendation Model of Internet Advertisement

    NASA Astrophysics Data System (ADS)

    Zhou, Ning; Chen, Yongyue; Zhang, Huiping

    With the rapid development of E-Commerce, the audiences put forward higher requirements on personalized Internet advertisement than before. The main function of Personalized Advertising System is to provide the most suitable advertisements for anonymous users on Web sites. The paper offers a personalized Internet advertisement recommendation model. By mining the audiences' historical and current behavior, and the advertisers' and publisher's web site content, etc, the system can recommend appropriate advertisements to corresponding audiences.

  11. Terrorism Prevention: How Does Special Operations Fit In?

    DTIC Science & Technology

    2005-06-17

    controlled” (Risko 2004, 1). Of particular note in an Amazon review, a summary of this book: “Mr. Pillar explains the methods for answering the terrorist... Aurora . 2004. Meet Your Professor. Spring. Internet course on-line. Available from http://www.ccaurora.edu/crj259/ crjprofintro1.htm. Internet...Counterterrorism: Military and Economic Options. Article 4 of an internet course on Terrorism in Spring 2004 from The Community College of Aurora , offered by

  12. Virtual Institute on Human Behavior Representation (Institut virtuel de representation du comportement humain)

    DTIC Science & Technology

    2010-06-01

    Internet Radio The Internet offers the possibility to broadcast audio like a radio station. With a special client like iTunes or web browsers the...Description Many universities and research institutes use already podcast technology to deliver lectures on the Internet (e.g. on iTunes ). NATO should...Stress: Implications for Individual and Team Training and Simulation, Washington, DC, American Psychological Society. [174] Card , S., Moran, T. and

  13. Truth in Reform: Reversing Fifty Years of Information Suppression in Burma

    DTIC Science & Technology

    2014-10-30

    suit with a broader offering that includes next generation 3G services and legacy 2G services that are more affordable to most Burmese citizens. 46...with the same effect during the 2007 Saffron Revolution, when citizen journalists used grainy mobile phone video, Burmese Internet cafes, and web...Internet controls were not technically sophisticated, the government quickly resorted to a complete block on mobile and Internet access during the 2007

  14. Utilization of Internet Protocol-Based Voice Systems in Remote Payload Operations

    NASA Technical Reports Server (NTRS)

    Best, Susan; Nichols, Kelvin; Bradford, Robert

    2003-01-01

    This viewgraph presentation provides an overview of a proposed voice communication system for use in remote payload operations performed on the International Space Station. The system, Internet Voice Distribution System (IVoDS), would make use of existing Internet protocols, and offer a number of advantages over the system currently in use. Topics covered include: system description and operation, system software and hardware, system architecture, project status, and technology transfer applications.

  15. Modernization of Russian Higher Education: Exploring Paths of Influence

    ERIC Educational Resources Information Center

    Gounko, Tatiana; Smale, William

    2007-01-01

    This article discusses the changes in Russian higher education policies and the role of international organizations--the World Bank and OECD--in promoting education reforms in this country. General and specific recommendations offered by the World Bank and the OECD expert teams to improve Russian higher education are analysed to determine if any…

  16. 31 CFR 375.11 - Who may participate in a redemption operation?

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... Bank of New York has approved to conduct open market transactions with the Bank. (b) Others. A person... operation? 375.11 Section 375.11 Money and Finance: Treasury Regulations Relating to Money and Finance... SECURITIES REDEMPTION OPERATIONS Offering, Certifications, and Delivery § 375.11 Who may participate in a...

  17. 12 CFR 390.421 - Securities sale report.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 5 2012-01-01 2012-01-01 false Securities sale report. 390.421 Section 390.421... REGULATIONS TRANSFERRED FROM THE OFFICE OF THRIFT SUPERVISION Securities Offerings § 390.421 Securities sale report. (a) Within 30 days after the first sale of the securities, every six months after such 30 day...

  18. 12 CFR 701.35 - Share, share draft, and share certificate accounts.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Share, share draft, and share certificate... AFFECTING CREDIT UNIONS ORGANIZATION AND OPERATION OF FEDERAL CREDIT UNIONS § 701.35 Share, share draft, and share certificate accounts. (a) Federal credit unions may offer share, share draft, and share...

  19. 12 CFR 701.35 - Share, share draft, and share certificate accounts.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 6 2011-01-01 2011-01-01 false Share, share draft, and share certificate... AFFECTING CREDIT UNIONS ORGANIZATION AND OPERATION OF FEDERAL CREDIT UNIONS § 701.35 Share, share draft, and share certificate accounts. (a) Federal credit unions may offer share, share draft, and share...

  20. 12 CFR 16.17 - Filing requirements and inspection of documents.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... the submission of any fee required under § 16.33 of this part. (e) Any filing of amendments or... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Filing requirements and inspection of documents... SECURITIES OFFERING DISCLOSURE RULES § 16.17 Filing requirements and inspection of documents. (a) Except as...

  1. Additional Actions Needed to Mitigate Risks of Unsuitable Life Insurance Sales to Junior Enlisted Service Members

    DTIC Science & Technology

    2011-08-23

    Service member has no formal banking relationship. 35 • Knowingly offering or giving anything of value to a Service member with a pay grade of E -4...provided briefing charts summarizing our tentative findings to the Committee on Banking , Housing, and Urban Affairs of the Senate and the Committee on...Inspector General of the DoD shall submit an initial report on the results of the study conducted under subsection (a) to the Committee on Banking

  2. Searching for approval. Tax-exempt hospitals, systems may find some relief through FHLB letters of credit in last week's housing aid bill.

    PubMed

    Evans, Melanie

    2008-08-04

    The bill to aid homeowners that Congress passed last week also offered a gift for tax-exempt healthcare borrowers. The law allows the Federal Home Loan Banks to back tax-exempt bonds with letters of credit, thus letting borrowers benefit from those banks' credit strength. But don't expect the floodgates to open. "Banks are preserving their capital for less risky endeavors," says Kelly Arduino, left, of Wipfli.

  3. Guidelines on product liability for the hospital blood bank. The British Committee for Standards in Haematology.

    PubMed

    1990-01-01

    This report aims to clarify the position of the hospital blood bank in the light of product liability legislation contained in the Consumer Protection Act of 1987. Blood has been defined a 'product' under this Act. The potential for the blood bank to be seen in the role of 'supplier', 'keeper' or even 'producer' in the chain of product supply to the patient is explained and advice given on the resulting implications for blood bank practice. It will be necessary to define, adopt and implement standard operating procedures (SOP) for all blood bank activities. Guidance is given on the format, preparation and content of SOPs and specimen examples offered. The fundamental importance of quality assurance is emphasized.

  4. Cyberbullying: Challenges and Actions

    ERIC Educational Resources Information Center

    Draa, Virginia Bendel; Sydney, Tara D.

    2009-01-01

    In the early 1990s, lives and activities of the younger generation changed with introduction of the Internet. Service providers such as American Online (AOL) offered the opportunity to use the Internet for research and commercial activities and as a source of entertainment with opportunities to engage in online games and cybercommunications (i.e.,…

  5. The Internet Compendium: Subject Guides to Health and Science Resources.

    ERIC Educational Resources Information Center

    Rosenfeld, Louis; And Others

    This guide describes and evaluates the Internet's health and science resources by subject. It offers information on a multitude of listservs; Usenet newsgroups; forums; electronic journals; topical mailing lists; text archives; Freenets; bulletin boards; FAQs; newsletters; real-time chats; databases; and library catalogs. From alternative medicine…

  6. Development of an Undergraduate Course--Internet-Based Instrumentation and Control

    ERIC Educational Resources Information Center

    Zhuang, Hanqi; Morgera, Salvatore D.

    2007-01-01

    The objective, strategy, and implementation details of a new undergraduate course, Internet-based Instrumentation and Control, are presented. The course has a companion laboratory that is supported by the National Science Foundation and industry. The combination is offered to senior-level undergraduate engineering students interested in sensing,…

  7. User Perspectives of the Future of the Internet.

    ERIC Educational Resources Information Center

    Barr, Trevor

    This paper presents user perspectives on the future of the Internet. The first section discusses understanding users, including the difference between technology service offerings and potential uses, the need for investigation into the relationship between new communications technology and social behavior, and the shift from supply-led development…

  8. The Effect of E-Portal System on Corporate Image of Universities

    ERIC Educational Resources Information Center

    Tunji, Oyedepo; Nelson, Okorie

    2011-01-01

    Internet connectivity in tertiary institutions in Africa has been summarized in three characteristics-- too little, too expensive and poorly managed (African Tertiary Institutions Connectivity Survey (ATICS), 2006 report). The Internet portal system offers educational organizations the ability to track students needs and promote their programs and…

  9. Literacy Theory in the Age of the Internet.

    ERIC Educational Resources Information Center

    Taylor, Todd, Ed.; Ward, Irene, Ed.

    This book contains a collection of essays about literacy, theory, and the Internet. It addresses problems concerning understanding the new electronic technologies, getting the computer in the classroom, and teaching students to write with it. The book's first section, "Literacy in the Information Age," offers four essays: "Literacy after the…

  10. Professional Boundaries in the Era of the Internet

    ERIC Educational Resources Information Center

    Gabbard, Glen O.; Kassaw, Kristin A.; Perez-Garcia, Gonzalo

    2011-01-01

    Objective: The era of the Internet presents new dilemmas in educating psychiatrists about professional boundaries. The objective of this overview is to clarify those dilemmas and offer recommendations for dealing with them. Method: The characteristics of social networking sites, blogs, and search engines are reviewed with a specific focus on their…

  11. Circ's Up, Budgets Leap

    ERIC Educational Resources Information Center

    Hoffert, Barbara

    2007-01-01

    From the ascendance of the reference database and web sites offering endless opportunities for cyber-promotion to the crowds swarming through the doors to avail themselves of new computers, the Internet has transformed the way public libraries do business. That is not news. What is exciting, though, is how the Internet continues to change public…

  12. Internetworking Services and the Electronic Library.

    ERIC Educational Resources Information Center

    Brunell, David H.

    1991-01-01

    Discusses management issues that librarians face in offering public access to library resources through internetworking services, e.g., local area networks, campus networks, or the INTERNET. It is concluded that interface problems and lack of an effective technical support structure make access to library information on INTERNET more of an…

  13. Incorporating Digital E-Books into Educational Curriculum

    ERIC Educational Resources Information Center

    Turner, Freda

    2005-01-01

    The first books were probably the Egyptian scrolls of papyrus that provided lineal content to readers. Today (2005) the Internet technology presents the Internet lifestyle that has introduced electronic or e-books that can enrich learning experiences. E-books have an advantage over traditional books in that they offer hypertext linking, search…

  14. Swiss Community Pharmacies' on the Web and Pharmacists' Experiences with E-commerce: Longitudinal study and Internet-based questionnaire survey

    PubMed Central

    Bruppacher, Rudolf; Ruppanner, Hans; Hersberger, Kurt E

    2004-01-01

    Background There are multiple ways in which community pharmacies can present themselves on the Internet, e.g., as a platform for drug information or as an advertising platform for their services. Objective To estimate the number of Swiss community pharmacies on the Internet over the period of 32 months (2000-2003), to describe their current e-commerce services, and to explore the experiences and plans these pharmacies have with regard to their Internet presence. Methods A longitudinal study was performed to determine the number of Swiss German pharmacies on the Internet by conducting Internet searches in 2000, 2001, and 2003. In April 2002, a cross-sectional Internet-based survey was administered to explore the pharmacies' experiences and plans regarding their Web sites. Results As of April 2003, 373 (44%) of 852 community pharmacies from the German speaking part of Switzerland were on the Internet. One hundred eighty four listed an e-mail address and were asked to complete a questionnaire. Of the 107 pharmacies answering the survey questions (58% response rate): 46% had been on the Internet for 1 to 2 years; 33% of the Web sites are part of a pharmacy group's Web portal; 31% of the pharmacies plan to expand their Internet appearance in the future; 74% provide e-commerce services, with 81% of those pharmacies filling five or less orders per month; and 12% plan on expanding their e-commerce services in the future. Conclusions The number of community pharmacies offering Internet services steadily increased over 32 months. Given the importance of the Internet as a tool for information, communication, and advertising for pharmacy products and services, it can be expected that the increase will continue. Pharmacy-group portals are important promoters of pharmacies on the Internet. For many community pharmacies, Internet portals that provide an Internet presence for the pharmacies and provide regularly-updated content (e.g., health news, tips, drug information) seem to be the most effective solutions. Even though 40% of the pharmacies already offer e-commerce services, these services are still of minor importance. For many pharmacists, the current legal regulations seem to be unclear. Most pharmacies want to maintain their Internet services. PMID:15111275

  15. Neuro-QOL

    PubMed Central

    Lai, J.-S.; Nowinski, C.J.; Victorson, D.; Peterman, A.; Miller, D.; Bethoux, F.; Heinemann, A.; Rubin, S.; Cavazos, J.E.; Reder, A.T.; Sufit, R.; Simuni, T.; Holmes, G.L.; Siderowf, A.; Wojna, V.; Bode, R.; McKinney, N.; Podrabsky, T.; Wortman, K.; Choi, S.; Gershon, R.; Rothrock, N.; Moy, C.

    2012-01-01

    Objective: To address the need for brief, reliable, valid, and standardized quality of life (QOL) assessment applicable across neurologic conditions. Methods: Drawing from larger calibrated item banks, we developed short measures (8–9 items each) of 13 different QOL domains across physical, mental, and social health and evaluated their validity and reliability. Three samples were utilized during short form development: general population (Internet-based, n = 2,113); clinical panel (Internet-based, n = 553); and clinical outpatient (clinic-based, n = 581). All short forms are expressed as T scores with a mean of 50 and SD of 10. Results: Internal consistency (Cronbach α) of the 13 short forms ranged from 0.85 to 0.97. Correlations between short form and full-length item bank scores ranged from 0.88 to 0.99 (0.82–0.96 after removing common items from banks). Online respondents were asked whether they had any of 19 different chronic health conditions, and whether or not those reported conditions interfered with ability to function normally. All short forms, across physical, mental, and social health, were able to separate people who reported no health condition from those who reported 1–2 or 3 or more. In addition, scores on all 13 domains were worse for people who acknowledged being limited by the health conditions they reported, compared to those who reported conditions but were not limited by them. Conclusion: These 13 brief measures of self-reported QOL are reliable and show preliminary evidence of concurrent validity inasmuch as they differentiate people based upon number of reported health conditions and whether those reported conditions impede normal function. PMID:22573626

  16. [New possibilities resulting from oocyte banking].

    PubMed

    Revel, Ariel; Revel, Michel; Laufer, Neri; Kasher, Asa

    2011-06-01

    Oocyte cryopreservation solves the legal and ethical problems associated with the cryopreservation of embryos in patients undergoing in vitro fertilization procedures. Furthermore, it may also offer the possibility of extending the reproductive capability of young women with malignant diseases in cases where the treatment may compromise the ovarian reserve. Moreover, it may also offer alternatives for infertile patients who are subject to ovarian hyper-stimulation syndrome or premature ovarian faiLure or who require oocyte donation. The creation of banks for cryopreserved oocytes avoids the need for cycle synchronization or the formation of an over-supply of embryos destined for cryopreservation. If a Large number of oocytes is obtained it could possibly enable women and couples the opportunity to postpone childbirth according to their wishes. This paper reviews the revolution obtained by oocyte vitrification, reports on ethical issues and discusses the pros and cons of oocyte banking and its potential effects on society.

  17. Effectiveness of state and federal government agreements with major credit card and shipping companies to block illegal Internet cigarette sales.

    PubMed

    Ribisl, Kurt M; Williams, Rebecca S; Gizlice, Ziya; Herring, Amy H

    2011-02-14

    Most Internet vendors offer tax-free cigarettes making them cheaper than those sold at stores. This undermines the impact that higher prices have upon reducing consumption. Most Internet tobacco sales have violated taxation and youth access laws, which led to landmark voluntary agreements in 2005 with the major credit card companies and major private shippers to ban payment transactions and shipments for all Internet cigarette sales. To assess whether these bans increased the rate of Internet Cigarette Vendors (ICVs) ceasing online sales, decreased the proportion of vendors offering banned payment and shipping options, and decreased consumer traffic to the most popular ICVs. Websites in a longitudinal study of ICVs were visited in 2003 (n = 338), 2004 (n = 775), 2005 (n = 664), 2006 (n = 762), and 2007 (n = 497) to assess whether they were in business and monitor their advertised sales practices. The number of unique monthly visitors to the 50 most popular ICVs at baseline was examined for the period one year before and two years after the bans to determine whether the bans altered traffic. Following the bans, the rate of ICVs ceasing online sales year to year increased, but due to an influx of new vendors, there was a net increase in ICVs. The proportion of vendors accepting banned payment options dropped from 99.2% to 37.4% after the bans, and the proportion offering banned shipping options dropped from 32.2% to 5.6%, but there was a corresponding increase in vendors offering non-banned payment options (e.g., personal checks) and shipping options (e.g., US Postal Service). Following the bans, there was a 3.5 fold decline in traffic to the most popular ICV websites. This promising approach to controlling the sale of restricted goods online has implications for regulating other products such as alcohol, firearms, quack cures, and medicines sold without a prescription.

  18. Effectiveness of State and Federal Government Agreements with Major Credit Card and Shipping Companies to Block Illegal Internet Cigarette Sales

    PubMed Central

    Ribisl, Kurt M.; Williams, Rebecca S.; Gizlice, Ziya; Herring, Amy H.

    2011-01-01

    Most Internet vendors offer tax-free cigarettes making them cheaper than those sold at stores. This undermines the impact that higher prices have upon reducing consumption. Most Internet tobacco sales have violated taxation and youth access laws, which led to landmark voluntary agreements in 2005 with the major credit card companies and major private shippers to ban payment transactions and shipments for all Internet cigarette sales. Objective To assess whether these bans increased the rate of Internet Cigarette Vendors (ICVs) ceasing online sales, decreased the proportion of vendors offering banned payment and shipping options, and decreased consumer traffic to the most popular ICVs. Design Websites in a longitudinal study of ICVs were visited in 2003 (n = 338), 2004 (n = 775), 2005 (n = 664), 2006 (n = 762), and 2007 (n = 497) to assess whether they were in business and monitor their advertised sales practices. The number of unique monthly visitors to the 50 most popular ICVs at baseline was examined for the period one year before and two years after the bans to determine whether the bans altered traffic. Results Following the bans, the rate of ICVs ceasing online sales year to year increased, but due to an influx of new vendors, there was a net increase in ICVs. The proportion of vendors accepting banned payment options dropped from 99.2% to 37.4% after the bans, and the proportion offering banned shipping options dropped from 32.2% to 5.6%, but there was a corresponding increase in vendors offering non-banned payment options (e.g., personal checks) and shipping options (e.g., US Postal Service). Following the bans, there was a 3.5 fold decline in traffic to the most popular ICV websites. Conclusions This promising approach to controlling the sale of restricted goods online has implications for regulating other products such as alcohol, firearms, quack cures, and medicines sold without a prescription. PMID:21340032

  19. A systematic approach to finding answers over the Internet.

    PubMed Central

    Potter, L A

    1995-01-01

    New users often are surprised at how chaotic the Internet appears. They have heard so much about it and then find that it is a jumble of menus and resources. Even so, it is possible to find answers to reference questions on the Internet. This paper outlines a method for doing so. The method involves five steps: gather information and tools, learn the terminology, assemble a manual, write a strategy, and make bookmarks. The paper offers medical reference scenarios that illustrate how to search a database, find a program, find a document, and telnet to another site on the Internet. PMID:7581183

  20. 12 CFR Appendix A to Subpart B of... - Examples of Mortgage Loan Originator Activities

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... by the bank's loan approval mechanism function for a specific loan product is communicated without... details of that offer. (c) Offering or negotiating a loan for compensation or gain. The following examples illustrate when an employee does or does not offer or negotiate terms of a loan “for compensation or gain...

  1. 12 CFR Appendix A to Subpart B of... - Examples of Mortgage Loan Originator Activities

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... by the bank's loan approval mechanism function for a specific loan product is communicated without... details of that offer. (c) Offering or negotiating a loan for compensation or gain. The following examples illustrate when an employee does or does not offer or negotiate terms of a loan “for compensation or gain...

  2. 12 CFR Appendix A to Subpart B of... - Examples of Mortgage Loan Originator Activities

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... by the bank's loan approval mechanism function for a specific loan product is communicated without... details of that offer. (c) Offering or negotiating a loan for compensation or gain. The following examples illustrate when an employee does or does not offer or negotiate terms of a loan “for compensation or gain...

  3. 12 CFR Appendix A to Subpart B of... - Examples of Mortgage Loan Originator Activities

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... by the bank's loan approval mechanism function for a specific loan product is communicated without... details of that offer. (c) Offering or negotiating a loan for compensation or gain. The following examples illustrate when an employee does or does not offer or negotiate terms of a loan “for compensation or gain...

  4. Factors that Influence Learning Satisfaction Delivered by Video Streaming Technology

    ERIC Educational Resources Information Center

    Keenan, Daniel Stephen

    2010-01-01

    In 2005, over 100,000 e-Learning courses were offered in over half of all U.S. postsecondary education institutions with nearly 90% of all community colleges and four year institutions offering online education. Streaming video is commonplace across the internet offering seamless video and sound anywhere connectivity is available effectively…

  5. Ecology in the information age: Patterns of use and attrition rates of internet-based citations in ESA journals, 1997–2005

    USGS Publications Warehouse

    Duda, Jeffrey J.; Camp, Richard J.

    2008-01-01

    As the amount of information available on the internet has increased, so too has the number of citations to network-accessible information in scholarly research. We searched all papers in four Ecological Society of America journals from 1997 to 2005 for articles containing a citation to material on the internet. We then tested the links to determine whether the information cited in the paper was still accessible. We identified 877 articles that contained at least one link to information on the internet and a total of 2100 unique links. The majority of these citations were based on an object's location (Uniform Resource Locator; 77%), whereas the rest were based on an object's identity (eg Digital Object Identifier, GenBank Accession number). We found that 19–30% of the location-based links were unavailable and that there was a positive relationship between the age of an article and the probability of the link being inactive. Using an internet search engine, we recovered 72–84% of the lost information, leaving a total of 6.2% of the total citations unavailable. Our results highlight the problem of persistence of information stored on the world wide web and we include recommendations for minimizing this problem.

  6. 12 CFR 226.54 - Limitations on the imposition of finance charges.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 3 2011-01-01 2011-01-01 false Limitations on the imposition of finance... Accounts and Open-End Credit Offered to College Students § 226.54 Limitations on the imposition of finance charges. (a) Limitations on imposing finance charges as a result of the loss of a grace period. (1...

  7. 12 CFR 226.54 - Limitations on the imposition of finance charges.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 3 2012-01-01 2012-01-01 false Limitations on the imposition of finance... Accounts and Open-End Credit Offered to College Students § 226.54 Limitations on the imposition of finance charges. (a) Limitations on imposing finance charges as a result of the loss of a grace period. (1...

  8. 12 CFR 344.7 - Settlement of securities transactions.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... of securities transactions. (a) A bank shall not effect or enter into a contract for the purchase or... for payment of funds and delivery of securities later than the third business day after the date of... offering. A bank shall not effect or enter into a contract for the purchase or sale of the securities that...

  9. Office Occupations--Accounting, Banking. Kit No. 26. Instructor's Manual [and] Student Learning Activity Guide: Part 1.

    ERIC Educational Resources Information Center

    Campbell, Creola S.

    An instructor's manual and student activity guide on accounting and banking are provided in this set of prevocational education materials which focuses on the vocational area of office occupations. (This set of materials is one of ninety-two prevocational education sets arranged around a cluster of seven vocational offerings: agriculture, home…

  10. 12 CFR 563b.380 - May my employee stock ownership plan purchase conversion shares?

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false May my employee stock ownership plan purchase... THE TREASURY CONVERSIONS FROM MUTUAL TO STOCK FORM Standard Conversions Offers and Sales of Stock § 563b.380 May my employee stock ownership plan purchase conversion shares? (a) Your tax-qualified...

  11. 77 FR 18283 - Self-Regulatory Organizations; The National Securities Clearing Corporation; Notice of Filing and...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-03-27

    .... NSCC believes it can offer a number of control improvements to the current manual, decentralized, and...: Electronic Comments Use the Commission's Internet comment form ( http://www.sec.gov/rules/sro.shtml ); or... one method. The Commission will post all comments on the Commission's Internet Web site ( http://www...

  12. Students Seeking Information for Their Masters' Theses: The Effect of the Internet

    ERIC Educational Resources Information Center

    Junni, Paulina

    2007-01-01

    Introduction: The Internet has radically changed the global availability of scholarly publications. Today, a substantial part of the resources accessible for researchers and university students are offered through electronic site licenses, making the supply of easily obtainable information larger than ever. This brings forth an important question:…

  13. E-learning in Type 1 Medical Universities of Iran

    ERIC Educational Resources Information Center

    Rokni, Mohammad Bagher

    2005-01-01

    Nowadays the Internet is the technological pedestal of organization in the information society and one of the main applications that the Internet offers is the Digital Library (DL). Each society, especially those that claim training of the public, predictably need implementation and endorsement these systems. The time of chalk and board is passed…

  14. SMEs and their E-Commerce: Implications for Training in Wellington, New Zealand

    ERIC Educational Resources Information Center

    Beal, Tim; Abdullah, Moha Asri

    2005-01-01

    One of the greatest challenges facing traditional small and medium-sized enterprises (SMEs) throughout the world is that posed by the Internet. While the Internet offers great potential to SMEs, from improving and cheapening production processes through to reaching global customers, it also poses great problems. SMEs' resources, human and…

  15. Using Internet Based Paraphrasing Tools: Original Work, Patchwriting or Facilitated Plagiarism?

    ERIC Educational Resources Information Center

    Rogerson, Ann M.; McCarthy, Grace

    2017-01-01

    A casual comment by a student alerted the authors to the existence and prevalence of Internet-based paraphrasing tools. A subsequent quick Google search highlighted the broad range and availability of online paraphrasing tools which offer free 'services' to paraphrase large sections of text ranging from sentences, paragraphs, whole articles, book…

  16. Impacting Motivation in the Virtual Classroom

    ERIC Educational Resources Information Center

    Artyushina, Galina; Sheypak, Olga

    2012-01-01

    Teachers, educational managers and learners must realize that new opportunities are offered by modern on-line communication. A person with basic Internet and Web skills is open to a new world of knowledge, from free Web surfing and self-organized education--through on-line resources and familiarization with Internet culture, its places, sites,…

  17. A Novel Trust Service Provider for Internet Based Commerce Applications.

    ERIC Educational Resources Information Center

    Siyal, M. Y.; Barkat, B.

    2002-01-01

    Presents a framework for enhancing trust in Internet commerce. Shows how trust can be provided through a network of Trust Service Providers (TSp). Identifies a set of services that should be offered by a TSp. Presents a distributed object-oriented implementation of trust services using CORBA, JAVA and XML. (Author/AEF)

  18. So Why Use Multimedia, the Internet, and Lotus Notes?

    ERIC Educational Resources Information Center

    Byers, Donnie N.

    As part of an effort to begin offering a general chemistry course over the Internet, a project was undertaken at Kansas's Johnson County Community College to determine the possibilities of using a computer to incorporate the tools used in teaching organic chemistry. Using an interactive software package, original lectures were developed, with…

  19. Democratic Use of Blogs and Online Discussion Boards in Social Studies Education

    ERIC Educational Resources Information Center

    Hostetler, Andrew L.

    2012-01-01

    The author experienced the introduction of the Internet as a high school student. Reflecting on that experience, he now realizes that he did not understand the possibilities offered by chat rooms, instant messaging, and other Internet-based communication tools to increase sociopolitical connectedness. As the teacher of an eleventh grade social…

  20. Internet Courses: Who Is Doing the Work?

    ERIC Educational Resources Information Center

    Saunders, Gary; Wenzel, Loren; Stivason, Charles T.

    2008-01-01

    The growth in Internet courses (E courses) and degrees is continuing but controls to insure academic honesty do not seem to be keeping pace with the growth in offerings. Responses to a questionnaire distributed to chairpersons of accounting departments relating to the use of controls for controlling academic dishonesty in E courses indicated that…

  1. Internet Use among College Students: Tool or Toy?

    ERIC Educational Resources Information Center

    Englander, Fred; Terregrossa, Ralph A.; Wang, Zhaobo

    2010-01-01

    The purpose of this study is to analyze the relationship between the grade performance of 128 students in an introductory micro-economics course and the average number of hours per week these students report spending on the Internet. The literature review offers a "priori" arguments supporting both positive and negative relationships.…

  2. Dialogistic Presence on Community College Websites in Nine Megastates

    ERIC Educational Resources Information Center

    Shadinger, David

    2013-01-01

    Use of Internet websites as a communication tool by community college is nearly universal. Exactly what information, functions, and links are offered varies widely among institutions. Research has reported that high school juniors and seniors, prefer to find information on the Internet during their college search process, and Noel Levitz (2006,…

  3. When Face to Face Won't Work: Internet-Based Focus Groups.

    ERIC Educational Resources Information Center

    Cook, Robert S.; Rule, Sarah

    Faculty at Utah State University sought to modify a curriculum for teaching professionals the skills of naturalistic intervention with preschool children with disabilities to make it suitable for primary caregivers, and then to offer the modified curriculum over the Internet to maximize caregiver access. The curriculum development team decided to…

  4. Beyond Perception: A Pretest and Posttest Evaluation of a Regional Internet Extension Inservice Training.

    ERIC Educational Resources Information Center

    Lippert, Robert M.; Plank, Owen; Radhakrishna, Rama

    2000-01-01

    Internet inservice training was offered to 150 county Extension agents representing six southeastern states, who used Web-based materials, an online pretest/posttest, and listserv discussions. Questionnaire responses indicated that most agents were very receptive to this method. Pretest/posttest scores show that the training resulted in a…

  5. 'Banking time': egg freezing and the negotiation of future fertility.

    PubMed

    Waldby, Catherine

    2015-01-01

    This paper examines the relatively recent practice of non-medical egg freezing, in which women bank their eggs for later use in conceiving a child. Non-medical egg freezing has only been available for about the last five years, as new vitrification techniques have made the success rates for actual conception more reliable than the earlier method of slow freezing. I draw on interviews with both clinicians and women who have banked their eggs to consider how this novel practice articulates with broader issues about the relationship between sexuality, reproduction and the political economy of household formation. Non-medical egg-freezing provides a technical solution to a number of different problems women face with regard to the elongation of the life course, the extension of education, the cost of household establishment and the iterative nature of relationship formation, thematised by the ubiquity of internet dating among the interviewees. I focus on the ways women used egg freezing to manage and reconcile different forms of time.

  6. Mobile internet and technology for optical teaching reform in higher education

    NASA Astrophysics Data System (ADS)

    Zhou, Muchun; Zhao, Qi; Chen, Yanru

    2017-08-01

    There are some problems in optical education such as insufficient flexibility, individuality and adaptability to students who need information and education at present. The development of mobile internet and technology provides support to solve these problems. Basic characteristics, advantages and developments of these techniques used in education are presented in this paper. Mobile internet is introduced to reform the classroom teaching of optical courses. Mobile network tool selection, teaching resources construction and reform in teaching methods are discussed. Academic record and sampling surveys are used to assess intention to adopt mobile internet and learning effect of academic major of students, the results show that high quality optical education can be offered by adopting mobile internet and technologies in traditional instruction.

  7. Can banks offer digital keys for health care?

    PubMed

    Casillas, John

    2013-01-01

    In the quest to implement electronic health care records, health care stakeholders have uncovered an elephant in the room - how to implement patient identity and integrity solutions. Without this, linking the unique records of an individual is impossible. An inaccurate record can be dangerous for prescribing treatment. Yet many consider a unique patient identifier as an unacceptable privacy risk. Medical banking, or the convergence of banking and heath IT systems, is spawning new ideas that could impact on this difficult area. This article suggests that new forms of efficiency in payment processing may yield a common, cross-industry technology platform for managing digital identity by banks. Redefining a bank based on core competencies, the article looks at three areas: (1) the "identity theft arms race"; (2) innovations in payment processing; and (3) consumer engagement, and suggests that, as banking and health care systems converge, digital identity may become the new money. This realization may find banks fully engaged in helping health care to overcome the challenge of patient identity and integrity.

  8. FDA-CDC Antimicrobial Resistance Isolate Bank: a Publicly Available Resource To Support Research, Development, and Regulatory Requirements.

    PubMed

    Lutgring, Joseph D; Machado, María-José; Benahmed, Faiza H; Conville, Patricia; Shawar, Ribhi M; Patel, Jean; Brown, Allison C

    2018-02-01

    The FDA-CDC Antimicrobial Resistance Isolate Bank was created in July 2015 as a publicly available resource to combat antimicrobial resistance. It is a curated repository of bacterial isolates with an assortment of clinically important resistance mechanisms that have been phenotypically and genotypically characterized. In the first 2 years of operation, the bank offered 14 panels comprising 496 unique isolates and had filled 486 orders from 394 institutions throughout the United States. New panels are being added. Copyright © 2018 American Society for Microbiology.

  9. Assessing psychological well-being: self-report instruments for the NIH Toolbox.

    PubMed

    Salsman, John M; Lai, Jin-Shei; Hendrie, Hugh C; Butt, Zeeshan; Zill, Nicholas; Pilkonis, Paul A; Peterson, Christopher; Stoney, Catherine M; Brouwers, Pim; Cella, David

    2014-02-01

    Psychological well-being (PWB) has a significant relationship with physical and mental health. As a part of the NIH Toolbox for the Assessment of Neurological and Behavioral Function, we developed self-report item banks and short forms to assess PWB. Expert feedback and literature review informed the selection of PWB concepts and the development of item pools for positive affect, life satisfaction, and meaning and purpose. Items were tested with a community-dwelling US Internet panel sample of adults aged 18 and above (N = 552). Classical and item response theory (IRT) approaches were used to evaluate unidimensionality, fit of items to the overall measure, and calibrations of those items, including differential item function (DIF). IRT-calibrated item banks were produced for positive affect (34 items), life satisfaction (16 items), and meaning and purpose (18 items). Their psychometric properties were supported based on the results of factor analysis, fit statistics, and DIF evaluation. All banks measured the concepts precisely (reliability ≥0.90) for more than 98% of participants. These adult scales and item banks for PWB provide the flexibility, efficiency, and precision necessary to promote future epidemiological, observational, and intervention research on the relationship of PWB with physical and mental health.

  10. 12 CFR Appendix A to Subpart I of... - Examples of Mortgage Loan Originator Activities

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... loan process; or (D) Only the rate approved by the bank's loan approval mechanism function for a... details of that offer. (c) Offering or negotiating a loan for compensation or gain. The following examples illustrate when an employee does or does not offer or negotiate terms of a loan “for compensation or gain...

  11. 12 CFR Appendix A to Subpart I of... - Examples of Mortgage Loan Originator Activities

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... loan process; or (D) Only the rate approved by the bank's loan approval mechanism function for a... details of that offer. (c) Offering or negotiating a loan for compensation or gain. The following examples illustrate when an employee does or does not offer or negotiate terms of a loan “for compensation or gain...

  12. 12 CFR Appendix A to Subpart I of... - Examples of Mortgage Loan Originator Activities

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... loan process; or (D) Only the rate approved by the bank's loan approval mechanism function for a... details of that offer. (c) Offering or negotiating a loan for compensation or gain. The following examples illustrate when an employee does or does not offer or negotiate terms of a loan “for compensation or gain...

  13. 12 CFR Appendix A to Subpart I of... - Examples of Mortgage Loan Originator Activities

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... loan process; or (D) Only the rate approved by the bank's loan approval mechanism function for a... details of that offer. (c) Offering or negotiating a loan for compensation or gain. The following examples illustrate when an employee does or does not offer or negotiate terms of a loan “for compensation or gain...

  14. How should hearing screening tests be offered?

    PubMed

    Koopman, Jan; Davey, Elizabeth; Thomas, Neil; Wittkop, Thomas; Verschuure, Hans

    2008-05-01

    This paper deals with the question of how the general public should be addressed when offering hearing screening. Postal-based questionnaires in the United Kingdom, Germany, and The Netherlands were sent to users of hearing devices, those that are in the process of obtaining one, or those that have indicated that they have special interest in hearing. Results of the survey indicated that respondents were enthusiastic about the idea of being able to carry out hearing self-screening tests via the internet, telephone, or questionnaires. A questionnaire as a method to screen on hearing was generally preferred above using the internet, which was preferred over using the telephone for the test. About 27% of the respondents indicated to use exclusively one method. Most respondents indicated that either method provided would be of interest (41%), 17% indicated not to be interested in conducting screening tests using the internet.

  15. 78 FR 8032 - Misuse of Internet Protocol (IP) Captioned Telephone Service; Telecommunications Relay Services...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-02-05

    ... believe that this growth is being caused by the offering of incentives for referrals to use this service... precipitated largely by new referral programs that offer monetary rewards for the referral of customers who... cost to the consumer. In short, offering such rewards may have the effect of enlisting customers who...

  16. 76 FR 21017 - United States v. Google Inc. and ITA Software Inc., Proposed Final Judgment and Competitive...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-04-14

    .... Google seeks to expand its search services by launching an Internet travel site to offer comparative... and other companies offering travel-related products and services. 14. Metas enable consumers to search for flights but do not offer booking services. When a consumer on a Meta travel site enters a...

  17. Internet MEMS design tools based on component technology

    NASA Astrophysics Data System (ADS)

    Brueck, Rainer; Schumer, Christian

    1999-03-01

    The micro electromechanical systems (MEMS) industry in Europe is characterized by small and medium sized enterprises specialized on products to solve problems in specific domains like medicine, automotive sensor technology, etc. In this field of business the technology driven design approach known from micro electronics is not appropriate. Instead each design problem aims at its own, specific technology to be used for the solution. The variety of technologies at hand, like Si-surface, Si-bulk, LIGA, laser, precision engineering requires a huge set of different design tools to be available. No single SME can afford to hold licenses for all these tools. This calls for a new and flexible way of designing, implementing and distributing design software. The Internet provides a flexible manner of offering software access along with methodologies of flexible licensing e.g. on a pay-per-use basis. New communication technologies like ADSL, TV cable of satellites as carriers promise to offer a bandwidth sufficient even for interactive tools with graphical interfaces in the near future. INTERLIDO is an experimental tool suite for process specification and layout verification for lithography based MEMS technologies to be accessed via the Internet. The first version provides a Java implementation even including a graphical editor for process specification. Currently, a new version is brought into operation that is based on JavaBeans component technology. JavaBeans offers the possibility to realize independent interactive design assistants, like a design rule checking assistants, a process consistency checking assistants, a technology definition assistants, a graphical editor assistants, etc. that may reside distributed over the Internet, communicating via Internet protocols. Each potential user thus is able to configure his own dedicated version of a design tool set dedicated to the requirements of the current problem to be solved.

  18. A secure and robust information hiding technique for covert communication

    NASA Astrophysics Data System (ADS)

    Parah, S. A.; Sheikh, J. A.; Hafiz, A. M.; Bhat, G. M.

    2015-08-01

    The unprecedented advancement of multimedia and growth of the internet has made it possible to reproduce and distribute digital media easier and faster. This has given birth to information security issues, especially when the information pertains to national security, e-banking transactions, etc. The disguised form of encrypted data makes an adversary suspicious and increases the chance of attack. Information hiding overcomes this inherent problem of cryptographic systems and is emerging as an effective means of securing sensitive data being transmitted over insecure channels. In this paper, a secure and robust information hiding technique referred to as Intermediate Significant Bit Plane Embedding (ISBPE) is presented. The data to be embedded is scrambled and embedding is carried out using the concept of Pseudorandom Address Vector (PAV) and Complementary Address Vector (CAV) to enhance the security of the embedded data. The proposed ISBPE technique is fully immune to Least Significant Bit (LSB) removal/replacement attack. Experimental investigations reveal that the proposed technique is more robust to various image processing attacks like JPEG compression, Additive White Gaussian Noise (AWGN), low pass filtering, etc. compared to conventional LSB techniques. The various advantages offered by ISBPE technique make it a good candidate for covert communication.

  19. The internet and the physician-patient relationship.

    PubMed

    Sechrest, Randale C

    2010-10-01

    Since the emergence of the public Internet in the early 1990s, the healthcare industry has been struggling to understand how best to utilize this resource. During the last decade there has been an increase in both the interest and participation by healthcare providers in the Internet space, but many observers continue to push for more development of healthcare resources to better support the provider-patient relationship. This paper will review the historical development of the Internet, the core concepts that have driven the emergence and evolution of the Internet as a mass medium of information exchange, and how the healthcare industry can harness the Internet to improve the provider patient relationship. WHERE ARE WE NOW?: The healthcare industry continues to lag behind other industries that have been transformed by the Internet. Numerous industries including travel, real estate, retail sales, and banking have migrated both comprehensive information resources and transactions to the Internet in order to improve efficiency and customer satisfaction. That same process is occurring now in the healthcare industry. Credible and comprehensive Information resources are beginning to mature. Transactions are still in their infancy, reflecting a continued concern about privacy and security. WHERE DO WE NEED TO GO?: We need to improve information resources to educate and inform patients. Improving the availability and credibility of information resources will empower patients to make better healthcare decisions and I contend will ultimately reduce the cost of delivering care. HOW DO WE GET THERE?: Orthopaedists must first recognize the value of information resources to the patient. Effective communication with patients is a critical component of providing healthcare services. All healthcare providers should reflect on the importance of developing an effective communications strategy for their own practice and consider the benefits of participating in efforts by professional organizations to improve existing information resources.

  20. 12 CFR 230.1 - Authority, purpose, coverage, and effect on state laws.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Authority, purpose, coverage, and effect on..., and effect on state laws. (a) Authority. This part, known as Regulation DD, is issued by the Board of... advertising rules in § 230.8 of this part apply to any person who advertises an account offered by a...

  1. 12 CFR 563b.350 - Must I pay interest on payments for conversion shares?

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Must I pay interest on payments for conversion... TREASURY CONVERSIONS FROM MUTUAL TO STOCK FORM Standard Conversions Offers and Sales of Stock § 563b.350 Must I pay interest on payments for conversion shares? (a) You must pay interest from the date you...

  2. Structured Adaptation of Black Migrants from the Caribbean: An Examination of an Indigenous Banking System in Brooklyn.

    ERIC Educational Resources Information Center

    Bonnett, Aubrey W.

    1981-01-01

    The rotating credit associations of Brooklyn, New York, are institutions which have been transplanted from the West Indies. The association is an alternative to the United States banking system and offers immigrants, illegal aliens, and permanent residents alike the opportunity to alternately save and borrow small sums of interest-free money. (JCD)

  3. Genetic Testing and Tissue Banking for Personalized Oncology: Analytical and Institutional Factors

    PubMed Central

    Miles, George; Rae, James; Ramalingam, Suresh S.; Pfeifer, John

    2016-01-01

    Personalized oncology, or more aptly precision oncogenomics, refers to the identification and implementation of clinically actionable targets tailored to an individual patient’s cancer genomic information. Banking of human tissue and other biospecimens establishes a framework to extract and collect the data essential to our understanding of disease pathogenesis and treatment. Cancer cooperative groups in the United States have led the way in establishing robust biospecimen collection mechanisms to facilitate translational research, and combined with technological advances in molecular testing, tissue banking has expanded from its traditional base in academic research and is assuming an increasingly pivotal role in directing the clinical care of cancer patients. Comprehensive screening of tumors by DNA sequencing and the ability to mine and interpret these large data sets from well-organized tissue banks have defined molecular subtypes of cancer. Such stratification by genomic criteria has revolutionized our perspectives on cancer diagnosis and treatment, offering insight into prognosis, progression, and susceptibility or resistance to known therapeutic agents. In turn, this has enabled clinicians to offer treatments tailored to patients that can greatly improve their chances of survival. Unique challenges and opportunities accompany the rapidly evolving interplay between tissue banking and genomic sequencing, and are the driving forces underlying the revolution in precision medicine. Molecular testing and precision medicine clinical trials are now becoming the major thrust behind the cooperative groups’ clinical research efforts. PMID:26433552

  4. Internet testing for Chlamydia trachomatis in England, 2006 to 2010.

    PubMed

    Woodhall, Sarah C; Sile, Bersabeh; Talebi, Alireza; Nardone, Anthony; Baraitser, Paula

    2012-12-19

    In recent years there has been interest in websites as a means of increasing access to free chlamydia tests through the National Chlamydia Screening Programme (NCSP) in England. We aimed to describe and evaluate online access to chlamydia testing within the NCSP. We analysed NCSP chlamydia testing data (2006-2010) for 15-24 year olds from the 71/95 programme areas in England where site codes were available to identify tests ordered through the internet. The characteristics of people using online testing services in 2010 were compared with those testing in general practice (GP) or community sexual and reproductive health (SRH) services. We evaluated 58 websites offering free chlamydia tests through the NCSP, and 32 offering kits on a commercial basis for signposting to clinical service and health promotion advice offered. Between 2006 and 2010, 5% of all tests in the included programme areas were accessed through the internet. The number of internet tests increased from 18 (<1% of all tests) in 2006 to 59,750 in 2010 (6% of all NCSP tests). In 2010 the proportion of NCSP tests accessed online by programme area ranged from <1% to 38%. The proportion of tests with a positive result on the internet was higher than tests from general practice and comparable to those from community SRH services (internet 7.6%; GP 5.6%; Community SRH 8.2%). A higher proportion of people accessing online testing were male, aged 20-24 and reported >1 sexual partner in the past year. Provision of sexual health information and appropriate signposting for those in need of clinical services varied between websites. Service provision within the NCSP was fragmented with multiple providers serving specific geographical catchment areas. Internet testing reaches a population with a relatively high risk of chlamydia infection and appears acceptable to young men, a group that has been difficult to engage with chlamydia testing. In order to maximise the potential benefit of these services, websites should be consistent with national guidelines and adhere to minimum standards for signposting to clinical care and health promotion information. The current system with multiple providers servicing geographically specific catchment areas is contrary to the geographically unrestricted nature of the internet and potentially confusing for clients.

  5. Price smarter on the Net.

    PubMed

    Baker, W; Marn, M; Zawada, C

    2001-02-01

    Companies generally have set prices on the Internet in two ways. Many start-ups have offered untenably low prices in a rush to capture first-mover advantage. Many incumbents have simply charged the same prices on-line as they do off-line. Either way, companies are missing a big opportunity. The fundamental value of the Internet lies not in lowering prices or making them consistent but in optimizing them. After all, if it's easy for customers to compare prices on the Internet, it's also easy for companies to track customers' behavior and adjust prices accordingly. The Net lets companies optimize prices in three ways. First, it lets them set and announce prices with greater precision. Different prices can be tested easily, and customers' responses can be collected instantly. Companies can set the most profitable prices, and they can tap into previously hidden customer demand. Second, because it's so easy to change prices on the Internet, companies can adjust prices in response to even small fluctuations in market conditions, customer demand, or competitors' behavior. Third, companies can use the clickstream data and purchase histories that it collects through the Internet to segment customers quickly. Then it can offer segment-specific prices or promotions immediately. By taking full advantage of the unique possibilities afforded by the Internet to set prices with precision, adapt to changing circumstances quickly, and segment customers accurately, companies can get their pricing right. It's one of the ultimate drivers of e-business success.

  6. Federal Indian Law Internet Tools: "Indian Territory Cases" at the Oklahoma State Courts Network and Kappler's "Indian Affairs: Laws and Treaties" at the Oklahoma State University

    ERIC Educational Resources Information Center

    Bernholz, Charles D.

    2004-01-01

    In a thorough analysis of researching the regulation of the banking industry in the United States, Zoller (2000) demonstrated a number of paths among federal documents of various agencies within the Department of the Treasury, including the legislation that created these entities, and to relevant online resources. This latter opportunity included…

  7. Mastering Life Work Transitions: Using the Internet To Find Your Dream Job.

    ERIC Educational Resources Information Center

    Knox, Deborah L.; Butzel, Sandra S.

    This paper describes a workshop that involves a holistic model for career and lifework planning and a training resource for increasing competency using the Internet for career related job search activity. "Life Work Transitions.com: Putting Your Spirit Online" and its companion Web site offer career changers as well as career counselors…

  8. The Development of B2C E-Commerce in Greece: Current Situation and Future Potential.

    ERIC Educational Resources Information Center

    Kardaras, Dimitris; Papathanassiou, Eleutherios

    2000-01-01

    Reports on the results of a survey of 120 companies in Greece that evaluated the potential of business to customer (B2C) Internet applications and investigated how the Internet and e-commerce can offer new opportunities for businesses to improve their customers' satisfaction. Discusses electronic commerce problems and future technology. (Contains…

  9. Privileges, Privacy, and Protection of Youth Bloggers in the Social Studies Classroom

    ERIC Educational Resources Information Center

    Berson, Ilene R.; Berson, Michael J.

    2006-01-01

    Internet users continue to develop new ways of communicating online and disseminating information; one of these methods, the blog, also known as web log, has become a significant cultural phenomenon. Blogs offer an interactive medium for internet users to create and contribute content to the web. In some social studies classrooms, teachers are…

  10. From Experience to Summit or Vice Versa? Netnography Study on a Virtual Community of Mountaineering

    ERIC Educational Resources Information Center

    Kaya, Sabri; Argan, Metin; Yetim, Gözde

    2017-01-01

    Virtual communities have been a significant channel for people to share their feelings and experiences regarding a special issue. The combination of ethnography and the internet offers the opportunity for new methods of research that can potentially reach a broad audience in the online world. Thus, netnography, a combination of internet and…

  11. Language in Action: From Webquests to Virtual Realities

    ERIC Educational Resources Information Center

    Godwin-Jones, Robert

    2004-01-01

    English is the lingua franca of the Internet and as a consequence the World Wide Web offers a rich bounty for ESL and EFL teachers and learners. It also represents a vast repository of misinformation, poor language use, and potentially offensive material. There are any number of possible approaches to avoiding the pitfalls of the Internet while…

  12. Bridging the Great Divide: Connecting Alaska Native Learners and Leaders via "High Touch-High Tech" Distance Learning.

    ERIC Educational Resources Information Center

    Berkshire, Steven; Smith, Gary

    The Rural Alaska Native Adult program of Alaska Pacific University is specifically designed for adult Native learners. Courses in business administration, human services, and teacher education are offered to rural Native adult students via an interactive Internet-based format after an initial 1-week residency. The Internet component is facilitated…

  13. High acceptance rate of hybrid allogeneic-autologous umbilical cord blood banking among actual and potential Swiss donors.

    PubMed

    Wagner, Anna-Margaretha; Krenger, Werner; Suter, Eva; Ben Hassem, Dorra; Surbek, Daniel V

    2013-07-01

    Two competitive concepts of umbilical cord blood (UCB) banking are currently available: either allogeneic UCB is donated to a public bank or autologous cells are stored in a private bank. Allogeneic-autologous hybrid banking is a new concept that combines these two approaches. However, acceptance of hybrid UCB banking among potential donors is unknown to date. In a prospective survey, we aimed to establish the acceptance of the hybrid banking model among actual and potential UCB donors in Switzerland. The study groups consisted of parents and pregnant women with or without children. As control group, women at reproductive ages were investigated. The majority of participants agreed fundamentally with UCB donation, and overall acceptance of private banking was 47%. If a possibility for hybrid banking were to be made available, 49% would opt for such a public-private model and only 13% would choose private banking alone. Among the proponents of hybrid banking, a majority of participants chose donor cell splitting over the sequential banking mode. Fifty-six percent of responders wished prior notification before the release of their donated UCB to a foreign recipient. This is the first study which compared the acceptance of allogeneic, autologous, and hybrid allogeneic-autologous UCB banking in different target groups. We demonstrated that hybrid cord blood banking is the preferred model of banking among actual and potential UCB donors. With increasing demand for UCB in the future, health care providers should therefore consider offering hybrid banking as a viable storage option. © 2012 American Association of Blood Banks.

  14. Scientific publishing in non industrialized countries: a pilot wireless internet project for Africa.

    PubMed

    Azzi, Angelo

    2005-01-01

    There is general agreement that the internet is the major means of future scientific communication and education. However not everybody appreciates that the development of electronic communication in industrialized societies is not matched, even to a small extent, in developing countries. Several new technologies offer the potential for developing countries to provide connectivity. Terrestrial wireless and satellite technologies offer many advantages in that they do not require installation of wire-line networks. Satellite facilities can also be installed where communication is needed, even in remote and isolated areas, rather than waiting for terrestrial networks to be extended from the cities.

  15. Online availability and safety of drugs in shortage: a descriptive study of internet vendor characteristics.

    PubMed

    Liang, Bryan A; Mackey, Tim K

    2012-02-09

    Unprecedented drug shortages announced by the US Food and Drug Administration (FDA) have severely affected therapeutic access, patient safety, and public health. With continued shortages, patients may seek drugs online. To assess the prevalence of online marketing for current FDA shortage drugs and potential patient safety risks. We performed a descriptive study of the prevalence of online marketing for shortage drugs-that is, offers for sale of each drug, including characteristics of online drug sellers and intermediary sites marketing these drugs. Of the 72 FDA shortage-listed drugs, 68 (94%) were offered for sale online. We found 291 offers for these drugs, the vast majority (n = 207, 71.1%) by online drug sellers selling direct to consumers. Intermediary sites included data aggregators (n = 22, 8%), forum links (n = 23, 8%), and personal page data links (n = 34, 12%), as well as Flickr social media links (n = 5, 2%), all advertising drugs without a prescription. Of the 91 online drug sellers identified, 31 (34%) had more than 1 shortage drug offered for sale, representing most (n = 148, 71%) of all online drug seller sales offers. The majority of these online drug sellers (n = 21, 68%) were on the National Association of Boards of Pharmacy (NABP) Not Recommended Sites list. Finally, for shortage drugs with an online drug seller (n = 58, 85%), 53 (91%) had at least one site on the Not Recommended list and 21 (36%) had only sites on the Not Recommended list. FDA shortage drugs are widely marketed over the Internet. Suspect online drug sellers and intermediaries dominate these sales offers. As a critical risk management issue, patients, providers, and policymakers should be extremely cautious in procuring shortage drugs through Internet sourcing.

  16. Online Availability and Safety of Drugs in Shortage: A Descriptive Study of Internet Vendor Characteristics

    PubMed Central

    Mackey, Tim K

    2012-01-01

    Background Unprecedented drug shortages announced by the US Food and Drug Administration (FDA) have severely affected therapeutic access, patient safety, and public health. With continued shortages, patients may seek drugs online. Objective To assess the prevalence of online marketing for current FDA shortage drugs and potential patient safety risks. Methods We performed a descriptive study of the prevalence of online marketing for shortage drugs—that is, offers for sale of each drug, including characteristics of online drug sellers and intermediary sites marketing these drugs. Results Of the 72 FDA shortage-listed drugs, 68 (94%) were offered for sale online. We found 291 offers for these drugs, the vast majority (n = 207, 71.1%) by online drug sellers selling direct to consumers. Intermediary sites included data aggregators (n = 22, 8%), forum links (n = 23, 8%), and personal page data links (n = 34, 12%), as well as Flickr social media links (n = 5, 2%), all advertising drugs without a prescription. Of the 91 online drug sellers identified, 31 (34%) had more than 1 shortage drug offered for sale, representing most (n = 148, 71%) of all online drug seller sales offers. The majority of these online drug sellers (n = 21, 68%) were on the National Association of Boards of Pharmacy (NABP) Not Recommended Sites list. Finally, for shortage drugs with an online drug seller (n = 58, 85%), 53 (91%) had at least one site on the Not Recommended list and 21 (36%) had only sites on the Not Recommended list. Conclusions FDA shortage drugs are widely marketed over the Internet. Suspect online drug sellers and intermediaries dominate these sales offers. As a critical risk management issue, patients, providers, and policymakers should be extremely cautious in procuring shortage drugs through Internet sourcing. PMID:22321731

  17. Establishing an integrated human milk banking approach to strengthen newborn care.

    PubMed

    DeMarchis, A; Israel-Ballard, K; Mansen, Kimberly Amundson; Engmann, C

    2017-05-01

    The provision of donor human milk can significantly reduce morbidity and mortality among vulnerable infants and is recommended by the World Health Organization as the next best option when a mother's own milk is unavailable. Regulated human milk banks can meet this need, however, scale-up has been hindered by the absence of an appropriate model for resource-limited settings and a lack of policy support for human milk banks and for the operational procedures supporting them. To reduce infant mortality, human milk banking systems need to be scaled up and integrated with other components of newborn care. This article draws on current guidelines and best practices from human milk banks to offer a compilation of universal requirements that provide a foundation for an integrated model of newborn care that is appropriate for low- and high-resource settings alike.

  18. Underpricing, underperformance and overreaction in initial public offerings: Evidence from investor attention using online searches.

    PubMed

    Vakrman, Tomas; Kristoufek, Ladislav

    2015-01-01

    Online activity of Internet users has proven very useful in modeling various phenomena across a wide range of scientific disciplines. In our study, we focus on two stylized facts or puzzles surrounding the initial public offerings (IPOs) - the underpricing and the long-term underperformance. Using the Internet searches on Google, we proxy the investor attention before and during the day of the offering to show that the high attention IPOs have different characteristics than the low attention ones. After controlling for various effects, we show that investor attention still remains a strong component of the high initial returns (the underpricing), primarily for the high sentiment periods. Moreover, we demonstrate that the investor attention partially explains the overoptimistic market reaction and thus also a part of the long-term underperformance.

  19. [Internet research methods: advantages and challenges].

    PubMed

    Liu, Yi; Tien, Yueh-Hsuan

    2009-12-01

    Compared to traditional research methods, using the Internet to conduct research offers a number of advantages to the researcher, which include increased access to sensitive issues and vulnerable / hidden populations; decreased data entry time requirements; and enhanced data accuracy. However, Internet research also presents certain challenges to the researcher. In this article, the advantages and challenges of Internet research methods are discussed in four principle issue areas: (a) recruitment, (b) data quality, (c) practicality, and (d) ethics. Nursing researchers can overcome problems related to sampling bias and data truthfulness using creative methods; resolve technical problems through collaboration with other disciplines; and protect participant's privacy, confidentiality and data security by maintaining a high level of vigilance. Once such issues have been satisfactorily addressed, the Internet should open a new window for Taiwan nursing research.

  20. Teaching the Library at SIBL.

    ERIC Educational Resources Information Center

    Thornton, Ann

    1999-01-01

    Describes the curriculum of free training courses offered at the New York Public Library Science, Industry and Business Library (SIBL) that focus on information-seeking skills and information literacy. Classes offered include basic library skills, Internet and World Wide Web, business information, government information, and science information.…

  1. Logged In and Zoned Out.

    PubMed

    Ravizza, Susan M; Uitvlugt, Mitchell G; Fenn, Kimberly M

    2017-02-01

    Laptop computers are widely prevalent in university classrooms. Although laptops are a valuable tool, they offer access to a distracting temptation: the Internet. In the study reported here, we assessed the relationship between classroom performance and actual Internet usage for academic and nonacademic purposes. Students who were enrolled in an introductory psychology course logged into a proxy server that monitored their online activity during class. Past research relied on self-report, but the current methodology objectively measured time, frequency, and browsing history of participants' Internet usage. In addition, we assessed whether intelligence, motivation, and interest in course material could account for the relationship between Internet use and performance. Our results showed that nonacademic Internet use was common among students who brought laptops to class and was inversely related to class performance. This relationship was upheld after we accounted for motivation, interest, and intelligence. Class-related Internet use was not associated with a benefit to classroom performance.

  2. The Revolution in Banking and the Financial Services Industry. Series on Public Issues No. 11.

    ERIC Educational Resources Information Center

    Fraser, Donald R.

    It is the premise of this booklet, one of a series intended to apply economic principles to major social and political issues of the day, that a revolution in the banking and financial services industry is altering not only the fundamental nature of the services offered but the character of the organizations themselves. The purpose of the essay is…

  3. GEODE (Geo-Data Explorer) - A U.S. Geological Survey Application for Data Retrieval, Display, and Analysis through the Internet

    USGS Publications Warehouse

    Levine, Marc; Schultz, Adam

    2001-01-01

    GEODE (Geo-Data Explorer) is a free service offered by the U.S. Geological Survey (USGS) on the Internet at http://geode.usgs.gov (fig. 1). It provides digital geographically referenced data to the desktop computers of any user, including policymakers, land and resource managers, educators, industries, and private citizens. The ultimate goal of GEODE is to provide diverse users a gateway (data portal) that will supply real-time data and analysis over the Internet without the need for special hardware, software, and training.

  4. Sale of prescription drugs over the Internet.

    PubMed

    Armstrong, K; Bloom, B S

    1999-01-01

    Online drugstores represent one of the hottest categories in electronic commerce. The Internet offers great promise in expanding access to prescription drugs for the disabled, the elderly, and people living in rural areas. But with this promise comes the danger of eliminating the safeguards that protect consumers from inappropriate use of medications and adverse drug events. This Issue Brief highlights two studies that investigate the availability of prescription drugs over the Internet, and focuses on the alarming ease with which consumers can obtain drugs without seeing a physician or a pharmacist.

  5. An evaluation of information on the Internet of a new device: the lumbar artificial disc replacement.

    PubMed

    Garcia, Ryan M; Messerschmitt, Patrick J; Ahn, Nicholas U

    2009-02-01

    An analysis of websites, accessible to the public, was conducted pertaining to the lumbar artificial disc replacement. The objective was to investigate the content of information available on the Internet pertaining to the lumbar artificial disc replacement. The Internet is widely used by patients as an educational tool for health care information. Additionally, the Internet is used as a medium for direct-to-consumer marketing. Recent approval of the lumbar artificial disc replacement has led to the emergence of numerous websites offering information about this procedure. It is thought that patients can be influenced by information found on the Internet; therefore, it is imperative that this information be accurate and as complete as possible. Three commonly used search engines were used to locate 105 (35/search engine) websites providing information about the lumbar artificial disc replacement. Each website was evaluated with regard to authorship and content. Fifty-nine percent of the websites reviewed were authorized by a private physician group, 9% by an academic physician group, 6% by industry, 11% were news reports, and 15% were not otherwise categorized. Seventy-two percent offered a mechanism for direct contact and 30% provided clear patient selection criteria. Benefits were expressed in 87% of websites, whereas associated risks were described in 28% or less. European experiences were noted in 53%, whereas only 22% of websites detailed the current US experience. The results of this study demonstrate that much of the content of Internet-derived information pertaining to the lumbar artificial disc replacement is potentially misleading. Until long-term data are available, patients should be cautioned when using the Internet as a source for health care information, particularly with regard to the lumbar artificial disc replacement.

  6. LIBOR troubles: Anomalous movements detection based on maximum entropy

    NASA Astrophysics Data System (ADS)

    Bariviera, Aurelio F.; Martín, María T.; Plastino, Angelo; Vampa, Victoria

    2016-05-01

    According to the definition of the London Interbank Offered Rate (LIBOR), contributing banks should give fair estimates of their own borrowing costs in the interbank market. Between 2007 and 2009, several banks made inappropriate submissions of LIBOR, sometimes motivated by profit-seeking from their trading positions. In 2012, several newspapers' articles began to cast doubt on LIBOR integrity, leading surveillance authorities to conduct investigations on banks' behavior. Such procedures resulted in severe fines imposed to involved banks, who recognized their financial inappropriate conduct. In this paper, we uncover such unfair behavior by using a forecasting method based on the Maximum Entropy principle. Our results are robust against changes in parameter settings and could be of great help for market surveillance.

  7. Can Routine Commercial Cord Blood Banking Be Scientifically and Ethically Justified?

    PubMed Central

    Fisk, Nicholas M; Roberts, Irene A. G; Markwald, Roger; Mironov, Vladimir

    2005-01-01

    Background to the debate: Umbilical cord blood—the blood that remains in the placenta after birth—can be collected and stored frozen for years. A well-accepted use of cord blood is as an alternative to bone marrow as a source of hematopoietic stem cells for allogeneic transplantation to siblings or to unrelated recipients; women can donate cord blood for unrelated recipients to public banks. However, private banks are now open that offer expectant parents the option to pay a fee for the chance to store cord blood for possible future use by that same child (autologous transplantation.) PMID:15737000

  8. Can routine commercial cord blood banking be scientifically and ethically justified?

    PubMed

    Fisk, Nicholas M; Roberts, Irene A G; Markwald, Roger; Mironov, Vladimir

    2005-02-01

    Umbilical cord blood--the blood that remains in the placenta after birth--can be collected and stored frozen for years. A well-accepted use of cord blood is as an alternative to bone marrow as a source of hematopoietic stem cells for allogeneic transplantation to siblings or to unrelated recipients; women can donate cord blood for unrelated recipients to public banks. However, private banks are now open that offer expectant parents the option to pay a fee for the chance to store cord blood for possible future use by that same child (autologous transplantation).

  9. Use of the Internet to Obtain Drugs without a Prescription Among Treatment-involved Adolescents and Young Adults*

    PubMed Central

    Festinger, David S.; Dugosh, Karen L.; Clements, Nicolle; Flynn, Anna B.; Falco, Mathea; McLellan, A. Thomas; Arria, Amelia M.

    2016-01-01

    Nonmedical use of prescription drugs is common and poses risks such as injury, overdose, and development of abuse and dependence. Internet pharmacies offer prescription drugs without a prescription, creating a source of illicit drugs accessible to anyone with an Internet connection. We examined this issue in a convenience sample of 1,860 adolescents and young adults from 24 residential and outpatient treatment programs. Few individuals obtained drugs from the Internet (n = 26, 2.3%). Pain relievers were the most frequently purchased type of drug. The majority of adolescents and young adult online purchasers made the purchases from their own or a friend’s house. PMID:28194089

  10. Internet resources for the anaesthesiologist.

    PubMed

    Johnson, Edward

    2012-05-01

    There is considerable useful information about anaesthesia available on the World Wide Web. However, at present, it is very incomplete and scattered around many sites. Many anaesthetists find it difficult to get the right information they need because of the sheer volume of information available on the internet. This article starts with the basics of the Internet, how to utilize the search engine at the maximum and presents a comprehensive list of important websites. These important websites, which are felt to offer high educational value for the anaesthesiologists, have been selected from an extensive search on the Internet. Top-rated anaesthesia websites, web blogs, forums, societies, e-books, e-journals and educational resources are elaborately discussed with relevant URLs.

  11. Understanding the INTERNET: A guide for materials scientists and engineers

    NASA Astrophysics Data System (ADS)

    Meltsner, Kenneth J.

    1995-04-01

    Newspapers and magazines are full of stories about the Internet and the coming "information superhighway." Predictions for the future range from on-line video rentals and 500 channels of cable television to video telephones and global electronic libraries. Unfortunately, "infobahn" metaphors and hyperbole have obscured the fact that the the Internet is useful now and that it connects a significant fraction of the United States and the world. This article describes, without too many metaphors, the current and near-future capabilities of the Internet and provides basic information about access methods, popular services, and planned changes. In addition, the article also offers a brief introduction to "Net" culture and etiquette.

  12. Internet resources for the anaesthesiologist

    PubMed Central

    Johnson, Edward

    2012-01-01

    There is considerable useful information about anaesthesia available on the World Wide Web. However, at present, it is very incomplete and scattered around many sites. Many anaesthetists find it difficult to get the right information they need because of the sheer volume of information available on the internet. This article starts with the basics of the Internet, how to utilize the search engine at the maximum and presents a comprehensive list of important websites. These important websites, which are felt to offer high educational value for the anaesthesiologists, have been selected from an extensive search on the Internet. Top-rated anaesthesia websites, web blogs, forums, societies, e-books, e-journals and educational resources are elaborately discussed with relevant URLs. PMID:22923818

  13. The Internet for Librarians

    NASA Astrophysics Data System (ADS)

    Grothkopf, U.

    Librarianship is currently undergoing major changes. New information sources, accessible via the "network of networks", the Internet, offer opportunities which were previously unknown, but which require continuous ongoing learning. The Internet seems to be organized badly or not at all. The poor appearance might lead to an underestimation of its value. In the following, an introduction to the main functions will be given in order to facilitate understanding and use of the Internet. E-Mail, FTP (File Transfer Protocol) and Telnet will be covered, as well as Mailing lists, Newsgroups and the tools Archie, Gopher, Veronica, WAIS (Wide Area Information Server) and the World Wide Web (WWW). Examples will be given to show possible applications for library services.

  14. Cigars, youth, and the Internet link.

    PubMed Central

    Malone, R E; Bero, L A

    2000-01-01

    OBJECTIVES: This study examined the accessibility and appeal to youth of cigar marketing sites on the Internet. METHODS: Sites marketing cigars (n = 141) were examined for age restrictions, prices, health warnings, and other elements. RESULTS: Although it is illegal for minors to purchase tobacco, only 36 sites (25.5%) prohibited purchases by minors. Sites offered low prices, and 32% accepted money orders, cashier's checks, or cash-on-delivery (COD) orders. Almost 30% of the sites included elements with potential youth appeal; only 3.5% displayed health warnings. CONCLUSIONS: The unregulated promotion of cigars on the Internet has the potential to attract youth, and there are few barriers to Internet tobacco purchases by minors. PMID:10800432

  15. Promising Practices in Using the Internet to Teach Social Studies

    ERIC Educational Resources Information Center

    Risinger, C. Frederick

    2006-01-01

    This article presents several teachers and school Web sites that offer teaching strategies in using the Internet to teach social sciences. These Web sites include: (1) Mrs. Cori Culp's Website (www.bv229.k12.ks.us/bvw_culp); (2) Mr. Williams's 5th Grade(teachers.santee.k12.ca.us/cwilliams/index.htm); (3) Ms. Stewart's Classroom Page…

  16. The Internet in the Everyday Life-World: A Comparison between High-School Students in China and Norway

    ERIC Educational Resources Information Center

    Liu, Fengshu

    2010-01-01

    Based on in-depth interviews, this study offers a comparison of how high-school students in China and Norway are actively constructing the Internet as an element of their everyday lives. Through the Schutzian notions of everyday life-world, social-biographical situation and relevance, the study has revealed striking differences between the Chinese…

  17. Internet Usage in Small Businesses in Regional South Australia: Service Learning Opportunities for a Local University

    ERIC Educational Resources Information Center

    Evans, Nina; Sawyer, Janet

    2009-01-01

    The Internet offers opportunities for electronic trading in the global marketplace and as such it can provide substantial benefits to a business. Despite this, the rate of adoption of e-commerce by small and medium-sized enterprises (SMEs) in Australia has been slower than anticipated and these benefits are not being realised (Pease & Rowe,…

  18. Teaching "Understanding Cultural Differences for Business" in an Internet-Based Economy

    ERIC Educational Resources Information Center

    Koh, Anthony C.

    2003-01-01

    The purpose of this paper is to offer a successful pedagogy in the teaching of "Understanding Culture Differences for Business" using Internet sources. The use of the pedagogy has helped the author and several faculty (in the author's University located in the U.S.) to popularize the learning of the origins of national culture and how culture…

  19. Holy Lemons! Learning from Children's Uses of the Internet in Out-of-School contexts

    ERIC Educational Resources Information Center

    Burnett, Cathy; Wilkinson, Jeff

    2005-01-01

    The Internet offers new possibilities for engaging with information and is associated with a wide range of literacy practices. National guidance in the United Kingdom on "reading the web", however, has focused largely on the different skills children may need to learn in school to navigate web-based texts successfully. Here it is argued…

  20. MainXchange in the Classroom: The New Internet Stock Market Game. Teacher's Guide and Student Activities.

    ERIC Educational Resources Information Center

    1998

    This teaching guide/student activities booklet, for grades 6-9 and 7-11, outlines an Internet-based stock exchange simulation that allows students to learn about the stock market in a fun format. The simulation (the "MainXchange") described in the booklet offers students the opportunity to engage in "real-life" investing, while…

  1. Personal Data Protection in E-Government: Globalization or Glocalization? A Comparative Study of the United States, Germany and China

    ERIC Educational Resources Information Center

    Wu, Yuehua

    2010-01-01

    The development and diffusion of information and communication technologies, particularly the internet, creates a worldwide trend of using ICTs and the internet to deliver public services. This new form of electronic administration--e-government--potentially offers great benefits to society in that it can enhance public service efficiency,…

  2. Gopher Is No Longer Just a Rodent: Using Gopher and World Wide Web in Composition Studies.

    ERIC Educational Resources Information Center

    Krause, Steve

    Gopher and World Wide Web (WWW) are two useful Internet technologies for the composition and rhetoric classroom. Gopher software makes available a wide variety of text-based information in the Internet. A Gopher at Bowling Green State University offers many types of information. The World Wide Web, using a fairly simple markup language, is also…

  3. Novices on the Net: An Introduction to Education Class Uses E-Mail and the Internet.

    ERIC Educational Resources Information Center

    Corl, Susan F.

    In order to offer computer and/or technology instruction to their education students before they transfer to four-year colleges, Louisiana State University at Eunice (LSUE), a two-year college, added a computer component to an introductory education class. The component introduces pre-service teachers to electronic mail and the Internet in order…

  4. The Use of Internet FAQs (Frequently Asked Questions) and Files as Cost-Effective Supplements to Textbooks and Substitutions for Photocopies.

    ERIC Educational Resources Information Center

    MacFarland, Thomas W.; Yates, Jan M.

    Gaining access to current and high-quality curriculum resource materials has become more difficult due to escalation in the prices of textbooks and in rigid interpretations of copyright laws which limit photocopying. Internet Frequently Asked Questions (FAQs) and files may offer a partial solution. Originally developed for the benefit of Usenet…

  5. A cross Canada survey of sperm banking practices in pediatric oncology centers.

    PubMed

    Chong, Amy Lee; Gupta, Abha; Punnett, Angela; Nathan, Paul C

    2010-12-15

    Childhood cancer survivors have identified fertility preservation as a major concern. Sperm banking is an established fertility preservation option in pubertal males. We sought to describe current practices in Canadian pediatric oncology programs, and to identify perceived barriers to sperm banking for male adolescents. A questionnaire was developed to (1) describe current sperm banking practices and facilities; (2) report on the utilization of sperm banking; and (3) identify barriers to sperm banking and possible solutions to improve current practices. A healthcare professional with an interest in fertility preservation within each institution was approached to participate in the study. Fifteen of 16 institutions participated, 2 have fertility preservation teams. Only one has written guidelines or adolescent focused educational material. Over 2 years, 50/262 (19%) adolescents in 12 institutions successfully banked a specimen. In 11 of these, additional information was available: of 85/172 (49%) adolescents offered the option to bank, 38/85 (45%) subsequently attempted. Reported barriers to sperm banking included the pressure to start therapy and restricted banking hours. Formal education of healthcare providers in fertility preservation practices, provision of financial support for families, and an adolescent focused approach were identified as important initiatives to improve sperm banking. There is a disparity in current sperm banking practices in Canada and at present, <25% of eligible male adolescents attempt to bank sperm. The development of a fertility preservation team, adolescent-specific guidelines, adolescent friendly sperm banking units, financial support, and improving knowledge translation among professionals and patients may improve the rates of banking. Copyright © 2010 Wiley-Liss, Inc.

  6. 17 CFR 229.512 - (Item 512) Undertakings.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... (§ 230.424 of this chapter); (ii) Any free writing prospectus relating to the offering prepared by or on... portion of any other free writing prospectus relating to the offering containing material information... that provide certain information through an Internet Web site. Include the following if the...

  7. 17 CFR 229.512 - (Item 512) Undertakings.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... (§ 230.424 of this chapter); (ii) Any free writing prospectus relating to the offering prepared by or on... portion of any other free writing prospectus relating to the offering containing material information... that provide certain information through an Internet Web site. Include the following if the...

  8. Impact of an internet-based intervention on Finnish mothers' perceptions of parenting satisfaction, infant centrality and depressive symptoms during the postpartum year.

    PubMed

    Salonen, Anne H; Pridham, Karen F; Brown, Roger L; Kaunonen, Marja

    2014-01-01

    this study evaluates how an internet-based intervention affects mothers' parenting satisfaction, infant centrality and depressive symptoms. a quasi-experimental design and repeated measures were used. this study was conducted in two Finnish public maternity hospitals (intervention/control). a convenience sample (N=1300) of primiparous and multiparous Finnish-speaking mothers were invited to participate. Multiple-birth and early discharge mothers receiving home visits were excluded. The analysis included 760 mothers. the intervention offered online support for parenting, breast feeding and infant care beginning from the middle of pregnancy. It consisted of an information database, a peer discussion forum and expert advice. Outcomes were measured by the Evaluation and Infant Centrality subscales of the What Being the Parent of a New Baby is Like-Revised, and the Edinburgh Postnatal Depression Scale after childbirth, and six weeks, six months and 12 months post partum. Age, parity, parenting self-efficacy, and perception of infant and family functioning were used as the covariates. during the first postpartum year, mothers' parenting satisfaction increased significantly, whereas infant centrality and depressive symptoms decreased within groups. However, these changes were not linear. The mean difference between groups in parenting satisfaction and depressive symptoms was not significant within any of the four assessments. The mean difference in infant centrality between control and intervention mothers was significant only at six weeks post partum. Primiparas scored significantly higher in infant centrality and significantly lower in depressive symptoms than multiparas. an internet-based intervention did not significantly affect mothers' perceptions of parenting satisfaction and depressive symptoms, but intervention mothers experienced higher infant centrality compared with control mothers at six weeks. Parenting self-efficacy was a significant covariate for all measures. Parity needs to be taken into account when infant centrality and depressive symptoms are used as outcome variables in intervention studies. More research is needed to study the potential of information data bank, professional, and peer online support. This study also highlights the need to pay more attention to the selection of the target population, the selection of outcome measures, and implementation issues in intervention research. Copyright © 2013 Elsevier Ltd. All rights reserved.

  9. Employing Deceptive Dynamic Network Topology Through Software-Defined Networking

    DTIC Science & Technology

    2014-03-01

    manage economies, banking, and businesses , to the way we gather intelligence and militaries wage war. With computer networks and the Internet, we have seen...space, along with other generated statistics , similar to that performed by the Ant Census project. As we have shown, there is an extensive and diverse...calculated RTT for each probe. In the ping statistics , we are presented the details of probes sent and responses received, and the calculated packet loss

  10. Establishing an integrated human milk banking approach to strengthen newborn care

    PubMed Central

    DeMarchis, A; Israel-Ballard, K; Mansen, Kimberly Amundson; Engmann, C

    2017-01-01

    The provision of donor human milk can significantly reduce morbidity and mortality among vulnerable infants and is recommended by the World Health Organization as the next best option when a mother's own milk is unavailable. Regulated human milk banks can meet this need, however, scale-up has been hindered by the absence of an appropriate model for resource-limited settings and a lack of policy support for human milk banks and for the operational procedures supporting them. To reduce infant mortality, human milk banking systems need to be scaled up and integrated with other components of newborn care. This article draws on current guidelines and best practices from human milk banks to offer a compilation of universal requirements that provide a foundation for an integrated model of newborn care that is appropriate for low- and high-resource settings alike. PMID:27831549

  11. The quality and readability of internet information regarding clavicle fractures.

    PubMed

    Zhang, Dafang; Schumacher, Charles; Harris, Mitchel Byron

    2016-03-01

    The internet has become a major source of health information for patients. However, there has been little scrutiny of health information available on the internet to the public. Our objectives were to evaluate the quality and readability of information available on the internet regarding clavicle fractures and whether they changed with academic affiliation of the website or with complexity of the search term. Through a prospective evaluation of 3 search engines using 3 different search terms of varying complexity ("broken collarbone," "collarbone fracture," and "clavicle fracture"), we evaluated 91 website hits for quality and readability. Websites were specifically analyzed by search term and by website type. Information quality was evaluated on a four-point scale, and information readability was assessed using the Flesch-Kincaid score for reading grade level. The average quality score for our website hits was low, and the average reading grade level was far above the recommended level. Academic websites offered significantly higher quality information, whereas commercial websites offered significantly lower quality information. The use of more complex search terms yielded information of higher reading grade level but not higher quality. Current internet information regarding clavicle fractures is of low quality and low readability. Higher quality information utilizing more accessible language on clavicle fractures is needed on the internet. It is important to be aware of the information accessible to patients prior to their presentation to our clinics. Patients should be advised to visit websites with academic affiliations and to avoid commercial websites. Copyright © 2015 The Japanese Orthopaedic Association. Published by Elsevier B.V. All rights reserved.

  12. An evaluation of internet use by neurosurgery patients prior to lumbar disc surgery and of information available on internet.

    PubMed

    Atci, Ibrahim Burak; Yilmaz, Hakan; Kocaman, Umit; Samanci, Mustafa Yavuz

    2017-07-01

    The aim of this study was to evaluate the Internet use of a group of lumbar disc surgery candidates in order to determine the rate of Internet search by the patients on their disorders and more importantly the reliability of the accessed websites. Fifty patients who were scheduled for lumbar disc surgery were divided into 2 groups, namely patients who accepted the surgery at the first offer and those who wanted to think over. Educational level information was obtained and patients were asked whether they had searched their disorder and offered surgery on the Internet. Then, a questionnaire was administered and the reliability of the websites was evaluated. Correction: The first 30 websites on the first 3 pages of Google ® search engine, the most commonly used search engine in Turkey, were evaluated with the DISCERN ® instrument. Of 50 patients, 33 (66%) had conducted a search for the surgery on the Internet. All university graduates, 88.2% of high school graduates, and 18.7% of primary-secondary school graduates had conducted an Internet search. The quality and reliability of the information was high (4.5 points) for 2 (7.1%) websites, moderate (2.3 points) for 6 websites (21.4%) and poor (1 point) for 20 websites (71.4%) as scored with the DISCERN ® instrument. The mean DISCERN ® score of was 1.1 for websites of health-related institutions or healthcare news, 2.75 for personal websites of physicians and 2.5 for personal websites of non-physicians. The mean DISCERN ® score of all websites was 1.5. Most of the patients undergoing lumbar disc surgery at our clinic had searched information about the surgical procedure on the Internet. We found that 92.9% of the websites evaluated with the DISCERN ® instrument had inadequate information, suggesting low-level reliability. Copyright © 2017 Elsevier B.V. All rights reserved.

  13. MOOCs: Tips for Enrollment Professionals

    ERIC Educational Resources Information Center

    Fomin, Elizabeth

    2013-01-01

    Massive Open Online Courses (MOOCs) are courses offered for free for any students with an internet connection. Many institutions now offer free MOOCs, including prestigious state universities and private schools. MOOCs are differentiated from ordinary online classes in several ways. Some MOOCs may have as many 50,000 students enrolled in a course…

  14. Food Preservation Mini-Modules Offer Options for Learners and Extension Staff

    ERIC Educational Resources Information Center

    Driessen, Suzanne

    2013-01-01

    Renewed interest in growing and purchasing locally grown foods quadrupled requests for food preservation classes. Economic times tightened budgets, decreasing staffing levels of Extension educators. Offering options via the Internet was a natural progression to meet the increased demand. Extension educators created 20 5-minute online video--like…

  15. Public Policy Issues Surrounding Online University Courses

    ERIC Educational Resources Information Center

    Holmes, Georgia L.

    2008-01-01

    With the maturation of the internet more and more colleges and universities are offering online courses. As these courses enter the mainstream, public policy issues are beginning to emerge. Many of these involve the tension between the "work for hire" doctrine and academic freedom that occurs when educational institutions offer these…

  16. The experiences and perceptions of food banks amongst users in high-income countries: An international scoping review.

    PubMed

    Middleton, Georgia; Mehta, Kaye; McNaughton, Darlene; Booth, Sue

    2018-01-01

    Food banks have become the main response to food insecurity in many high-income countries, but it has been argued that they lack the capacity to respond consistently and fully to the food needs of the people who use them. This literature review set out to answer the question 'how do food bank recipients experience food relief services and how does this impact their lives and wellbeing?' A comprehensive search of electronic databases yielded twenty qualitative studies, conducted in developed countries, exploring user perspectives of food banks. From the studies reviewed, there emerged three main categories that represented the different aspects of the food bank process from the food bank user's perspective: the user's perceptions about the idea of being fed from food banks, the user's perceptions about food bank offerings and operations, and the socio-psychological impact of receiving food from food banks. While participants of these studies spoke positively of the volunteers and were thankful for the service, they also consistently report limited food choice, poor quality, shame, stigma and embarrassment associated with food bank use. The food bank industry continues to expand despite there being little evidence that food banks are an appropriate response for those facing food insecurity. This is worrying as the results of this review indicate that although participants value the service provided by the food bank, the experience can be largely negative. These findings raise questions about the food bank model as a long-term strategy. Copyright © 2017 Elsevier Ltd. All rights reserved.

  17. [Impact of internet on poisoning with psychoactive substances in young people].

    PubMed

    Radoniewicz-Chagowska, Anna; Tchórz, Michał; Kujawa, Anna; Szponar, Jarosław; Drelich, Grzegorz

    2012-01-01

    These days young people use internet as a source of information. Internet offers knowledge that can be used not only for school education but also to obtain information about usage and effects of psychoactive substances. Recent research shows that young people more often use internet websites and chat rooms to exchange knowledge and experience with chemicals and everyday products used as intoxicants, for example: nutmeg, nonprescription medications, metal cleaning liquid or feminine hygiene products. This article shows the extend of knowledge young people can gain from popular internet websites. Information on the web is presented as appealing, attractive and encouraging. From a toxicologist point of view it is extremely important to be familiar with those new threats because more and more often we have to treat young patients with a serious poisoning from usage of experimental intoxicating substances.

  18. Internet discussion forums as part of a student-centred teaching concept of pharmacology.

    PubMed

    Sucha, Michael; Engelhardt, Stefan; Sarikas, Antonio

    2013-01-01

    The world wide web opens up new opportunities to interconnect electronic and classroom teaching and to promote active student participation. In this project article we describe the use of internet discussion forums as part of a student-centred teaching concept of pharmacology and discuss its advantages and disadvantages based on evaluation data and current literature. Final year medical students at the Technische Universität München (Munich, Germany) with the elective pharmacology moderated an internet forum that allowed all students to discuss pharmacology-related questions. Evaluation results of forum participants and elective students demonstrated a learning benefit of internet forums in pharmacology teaching. Internet discussion forums offer an easy-to-implement and effective way to actively engage students and increase the learning benefit of electronic and classroom teaching in pharmacology.

  19. The World Wide Web: a review of an emerging internet-based technology for the distribution of biomedical information.

    PubMed Central

    Lowe, H J; Lomax, E C; Polonkey, S E

    1996-01-01

    The Internet is rapidly evolving from a resource used primarily by the research community to a true global information network offering a wide range of databases and services. This evolution presents many opportunities for improved access to biomedical information, but Internet-based resources have often been difficult for the non-expert to develop and use. The World Wide Web (WWW) supports an inexpensive, easy-to-use, cross-platform, graphic interface to the Internet that may radically alter the way we retrieve and disseminate medical data. This paper summarizes the Internet and hypertext origins of the WWW, reviews WWW-specific technologies, and describes current and future applications of this technology in medicine and medical informatics. The paper also includes an appendix of useful biomedical WWW servers. PMID:8750386

  20. Development of the AFRL Aircrew Perfomance and Protection Data Bank

    DTIC Science & Technology

    2007-12-01

    Growth model and statistical model of hypobaric chamber simulations. It offers a quick and readily accessible online DCS risk assessment tool for...are used for the DCS prediction instead of the original model. ADRAC is based on more than 20 years of hypobaric chamber studies using human...prediction based on the combined Bubble Growth model and statistical model of hypobaric chamber simulations was integrated into the Data Bank. It

  1. 17 CFR 239.43 - Form F-N, appointment of agent for service of process by foreign banks and foreign insurance...

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 17 Commodity and Securities Exchanges 2 2010-04-01 2010-04-01 false Form F-N, appointment of agent for service of process by foreign banks and foreign insurance companies and certain of their holding companies and finance subsidiaries making public offerings of securities in the United States. 239.43 Section 239.43 Commodity and Securities...

  2. 17 CFR 239.43 - Form F-N, appointment of agent for service of process by foreign banks and foreign insurance...

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 17 Commodity and Securities Exchanges 2 2011-04-01 2011-04-01 false Form F-N, appointment of agent for service of process by foreign banks and foreign insurance companies and certain of their holding companies and finance subsidiaries making public offerings of securities in the United States. 239.43 Section 239.43 Commodity and Securities...

  3. Bank Terminals

    NASA Technical Reports Server (NTRS)

    1978-01-01

    In the photo, employees of the UAB Bank, Knoxville, Tennessee, are using Teller Transaction Terminals manufactured by SCI Systems, Inc., Huntsville, Alabama, an electronics firm which has worked on a number of space projects under contract with NASA. The terminals are part of an advanced, computerized financial transaction system that offers high efficiency in bank operations. The key to the system's efficiency is a "multiplexing" technique developed for NASA's Space Shuttle. Multiplexing is simultaneous transmission of large amounts of data over a single transmission link at very high rates of speed. In the banking application, a small multiplex "data bus" interconnects all the terminals and a central computer which stores information on clients' accounts. The data bus replaces the maze-of wiring that would be needed to connect each terminal separately and it affords greater speed in recording transactions. The SCI system offers banks real-time data management through constant updating of the central computer. For example, a check is immediately cancelled at the teller's terminal and the computer is simultaneously advised of the transaction; under other methods, the check would be cancelled and the transaction recorded at the close of business. Teller checkout at the end of the day, conventionally a time-consuming matter of processing paper, can be accomplished in minutes by calling up a summary of the day's transactions. SCI manufactures other types of terminals for use in the system, such as an administrative terminal that provides an immediate printout of a client's account, and another for printing and recording savings account deposits and withdrawals. SCI systems have been installed in several banks in Tennessee, Arizona, and Oregon and additional installations are scheduled this year.

  4. Internet use by the socially fearful: addiction or therapy?

    PubMed

    Campbell, Andrew J; Cumming, Steven R; Hughes, Ian

    2006-02-01

    The Internet has often been argued to have adverse psychological consequences, such as depression or anxiety symptoms, among "over-users." The present study offers an alternative understanding, suggesting the Internet may be used as a forum for expanding social networks and consequently enhancing the chance of meaningful relationships, self-confidence, social abilities, and social support. An online sample of 188 people was recruited over the Internet, while paper and pencil tests were administered to an offline sample group of 27 undergraduate university students, who were regular Internet users. Subjects completed the Zung Depression Scale (ZDS), Depression, Anxiety and Stress Scales (DASS), Eysenck Personality Questionnaire?Revised Short Scale (EPQ-R Short), Fear of Negative Evaluation (FNE) scale, Internet Use Questionnaire (IUQ), and an Internet Effects Questionnaire (IEQ). Results suggested that there was no relationship between time spent online and depression, anxiety, or social fearfulness. Those who primarily used the Internet for online chat believed that the Internet is psychologically beneficial to them, but also believed that frequent Internet users are lonely and that the Internet can be addictive. It is argued that "chat" users who are socially fearful may be using the Internet as a form of low-risk social approach and an opportunity to rehearse social behavior and communication skills, which, may help them improve interaction with offline, face-to-face, social environments.

  5. Health literacy and global cognitive function predict e-mail but not internet use in heart failure patients.

    PubMed

    Schprechman, Jared P; Gathright, Emily C; Goldstein, Carly M; Guerini, Kate A; Dolansky, Mary A; Redle, Joseph; Hughes, Joel W

    2013-01-01

    Background. The internet offers a potential for improving patient knowledge, and e-mail may be used in patient communication with providers. However, barriers to internet and e-mail use, such as low health literacy and cognitive impairment, may prevent patients from using technological resources. Purpose. We investigated whether health literacy, heart failure knowledge, and cognitive function were related to internet and e-mail use in older adults with heart failure (HF). Methods. Older adults (N = 119) with heart failure (69.84 ± 9.09 years) completed measures of health literacy, heart failure knowledge, cognitive functioning, and internet use in a cross-sectional study. Results. Internet and e-mail use were reported in 78.2% and 71.4% of this sample of patients with HF, respectively. Controlling for age and education, logistic regression analyses indicated that higher health literacy predicted e-mail (P < .05) but not internet use. Global cognitive function predicted e-mail (P < .05) but not internet use. Only 45% used the Internet to obtain information on HF and internet use was not associated with greater HF knowledge. Conclusions. The majority of HF patients use the internet and e-mail, but poor health literacy and cognitive impairment may prevent some patients from accessing these resources. Future studies that examine specific internet and email interventions to increase HF knowledge are needed.

  6. THE AVAILABILITY AND PORTRAYAL OF STIMULANTS OVER THE INTERNET

    PubMed Central

    Schepis, Ty S.; Marlowe, Douglas B.; Forman, Robert F.

    2008-01-01

    Purpose To quantify the online availability and portrayal of amphetamine-class prescription stimulants with a focus on those medications commonly prescribed to and abused by adolescents. Methods The Google™ search engine was used in searches to assess the frequency of websites offering to sell controlled stimulants (retail sites) or websites that directly linked to retail sites (portal sites). Also, separate searches evaluated the portrayal of controlled prescription stimulants by the initial 20 websites returned by Google™. Retail and portal website frequency was collected for each search. For searches measuring the portrayal of stimulants, webpages were categorized as pro-abuse, anti-abuse, neutral or other, based on set criteria. Results Sites offering to sell stimulants without a prescription were found for nearly all search terms. Across all searches, the Schedule III stimulants indicated for the treatment of obesity returned more sites offering to sell stimulants without a prescription than Schedule II stimulants indicated for the treatment of ADHD. Internet site portrayal of each stimulant varied. However, sites that contained “methamphetamine” often included anti-abuse information. Discussion The apparent availability of stimulants over the Internet without a prescription indicates the potential for a significant public health problem. The extent to which teens are obtaining these drugs via the Internet remains unclear, but clinicians must be aware of the potential for abuse, concomitant prescription use issues, illicit sources, and diversion of these highly addictive medications. Education of consumers and physicians as well as further governmental interventions is needed to limit the potential scope of this problem. PMID:18407040

  7. Comparison of Selected Student Outcomes for Internet- and Campus-Based Instruction at the Wayne Huizenga Graduate School of Business and Entrepreneurship.

    ERIC Educational Resources Information Center

    Fredda, Jeffrey V.

    In May 2000, the Office of Research and Planning at Nova Southeastern University, Florida, examined student outcomes for courses taught in Internet-based and campus-based formats and found statistically significant differences in student outcomes for courses offered in both modalities. One finding was that graduate students of the Wayne Huizenga…

  8. The ROI of VoIP: Everybody Says VoIP Saves Big Bucks. But Does It?

    ERIC Educational Resources Information Center

    Villano, Matt

    2006-01-01

    Advocates of Voice over Internet Protocol (VoIP) say it saves money on long distance calls by sending them over the Internet, improves communication by eliminating the Private Branch Exchange (PBX), and offers a host of neat features such as call forwarding, e-mail accessible voicemail, and more. When it comes to measuring the dollars-and-cents…

  9. Exploring Processes and Outcomes of Wireless Internet in Higher Education: A Case Study of a University's Early Experience

    ERIC Educational Resources Information Center

    Lee, Lisa

    2007-01-01

    Many universities in the UK have recently started offering their staff and students free wireless Internet access through Wireless Local Area Network (WLAN) technologies, such as Wi-Fi. Based on a small empirical study of WLAN deployment in a university setting, the article explores adoption processes of the new technology by both the organisation…

  10. A matter of health? Legal aspects of private umbilical cord blood banking.

    PubMed

    Vidalis, Takis

    2011-03-01

    Private umbilical cord blood banking raises a question of special legal regulation. This practice promises the safe storage of biological material on the assumption that it may be useful, at a certain moment in future, for its own donor (or for a donor's close family member) for curing serious blood diseases. Although currently the therapeutic value of umbilical cord blood is confirmed, there are strong scientific doubts and relevant controversies regarding its use in autologous transplantations. This fact produces conditions of legal uncertainty, since the benefit for those wanting to conclude contracts with private umbilical cord blood banks is not clear. The Greek example illustrates this situation of regulatory deficit well, which eventually creates a major problem, given the increasing number of private banks offering relevant services in the country.

  11. Inventing an Energy Internet: Concepts, Architectures and Protocols for Smart Energy Utilization

    ScienceCinema

    Tsoukalas, Lefteri

    2018-01-24

    In recent years, the Internet is revolutionizing information availability much like the Power Grid revolutionized energy availability a century earlier. We will explore the differences and similarities of these two critical infrastructures and identify ways for convergence which may lead to an energy internet. Pricing signals, nodal forecasting, and short-term elasticities are key concepts in smart energy flows respecting the delicate equilibrium involved in generation-demand and aiming at higher efficiencies. We will discuss how intelligent forecasting approaches operating at multiple levels (including device or nodal levels) can ameliorate the challenges of power storage. In addition to higher efficiencies, an energy internet may achieve significant reliability and security improvements and offer greater flexibility and transparency in the overall energy-environmental relation.

  12. Internet-based mental health services in Norway and Sweden: characteristics and consequences.

    PubMed

    Andersen, Anders Johan W; Svensson, Tommy

    2013-03-01

    Internet-based mental health services increase rapidly. However, national surveys are incomplete and the consequences for such services are poorly discussed. This study describes characteristics of 60 Internet-based mental health services in Norway and Sweden and discusses their social consequences. More than half of the services were offered by voluntary organisations and targeted towards young people. Professionals answered service users' questions in 60% of the services. Eight major themes were identified. These characteristics may indicate a shift in the delivery of mental health services in both countries, and imply changes in the understanding of mental health.

  13. Defining strategies to win in the Internet market

    NASA Astrophysics Data System (ADS)

    López, Luis; Sanjuán, Miguel A. F.

    2001-12-01

    This paper analyzes a model for the competition dynamics of web sites in the Internet, based on the Lotka-Volterra competition equations. This model shows the well known appearance of a winner-take-all characteristic and is based in the nonvalidity of traditional offer and demand equilibrium theory of these kinds of markets. From the stability analysis of the model, we establish a series of rules which are useful for defining strategies in the Internet market. One of the most important results that emerge from this simple model is the appearance of some unexpected phenomena related to the collaboration and competition between sites.

  14. Item Banks for Substance Use from the Patient-Reported Outcomes Measurement Information System (PROMIS®): Severity of Use and Positive Appeal of Use*

    PubMed Central

    Pilkonis, Paul A.; Yu, Lan; Dodds, Nathan E.; Johnston, Kelly L.; Lawrence, Suzanne; Hilton, Thomas F.; Daley, Dennis C.; Patkar, Ashwin A.; McCarty, Dennis

    2015-01-01

    Background Two item banks for substance use were developed as part of the Patient-Reported Outcomes Measurement Information System (PROMIS®): severity of substance use and positive appeal of substance use. Methods Qualitative item analysis (including focus groups, cognitive interviewing, expert review, and item revision) reduced an initial pool of more than 5,300 items for substance use to 119 items included in field testing. Items were written in a first-person, past-tense format, with 5 response options reflecting frequency or severity. Both 30-day and 3-month time frames were tested. The calibration sample of 1,336 respondents included 875 individuals from the general population (ascertained through an internet panel) and 461patients from addiction treatment centers participating in the National Drug Abuse Treatment Clinical Trials Network. Results Final banks of 37 and 18 items were calibrated for severity of substance use and positive appeal of substance use, respectively, using the two-parameter graded response model from item response theory (IRT). Initial calibrations were similar for the 30-day and 3-month time frames, and final calibrations used data combined across the time frames, making the items applicable with either interval. Seven-item static short forms were also developed from each item bank. Conclusions Test information curves showed that the PROMIS item banks provided substantial information in a broad range of severity, making them suitable for treatment, observational, and epidemiological research in both clinical and community settings. PMID:26423364

  15. The offer network protocol: Mathematical foundations and a roadmap for the development of a global brain

    NASA Astrophysics Data System (ADS)

    Heylighen, Francis

    2017-01-01

    The world is confronted with a variety of interdependent problems, including scarcity, unsustainability, inequality, pollution and poor governance. Tackling such complex challenges requires coordinated action. The present paper proposes the development of a self-organizing system for coordination, called an "offer network", that would use the distributed intelligence of the Internet to match the offers and needs of all human, technological and natural agents on the planet. This would maximize synergy and thus minimize waste and scarcity of resources. Implementing such coordination requires a protocol that formally defines agents, offers, needs, and the network of condition-action rules or reactions that interconnect them. Matching algorithms can then determine self-sustaining subnetworks in which each consumed resource (need) is also produced (offer). After sketching the elements of a mathematical foundation for offer networks, the paper proposes a roadmap for their practical implementation. This includes step-by-step integration with technologies such as the Semantic Web, ontologies, the Internet of Things, reputation and recommendation systems, reinforcement learning, governance through legal constraints and nudging, and ecosystem modeling. The resulting intelligent platform should be able to tackle nearly all practical and theoretical problems in a bottom-up, distributed manner, thus functioning like a Global Brain for humanity.

  16. Evaluating the quality of Internet information for femoroacetabular impingement.

    PubMed

    Lee, Simon; Shin, Jason J; Haro, Marc S; Song, Sang H; Nho, Shane J

    2014-10-01

    The Internet has become a ubiquitous source of medical information for both the patient and the physician. However, the quality of this information is highly variable. We evaluated the quality of Internet information available for femoroacetabular impingement (FAI). Four popular search engines were used to collect 100 Web sites containing information on FAI. Web sites were evaluated based on authorship, various content criteria, and the presence of Health On the Net Code of Conduct (HONcode) certification. By use of a novel evaluation system for quality, Web sites were also classified as excellent, high, moderate, poor, or inadequate and were subsequently analyzed. Web sites were evaluated as a group, followed by authorship type, by HONcode certification, and by quality level. Of the Web sites, 73 offered the ability to contact the author, 91 offered a considerable explanation of FAI, 54 provided surgical treatment options, 58 offered nonsurgical treatment options, 27 discussed possible complications, 11 discussed eligibility criteria, 31 discussed rehabilitation, 67 discussed a differential diagnosis, and 48 included peer-reviewed citations. We categorized 40 Web sites as academic, 33 as private, 9 as industry, 9 as public education, and 9 as blogs. Our novel quality evaluation system classified 16 Web sites as excellent, 18 as high, 17 as moderate, 18 as poor, and 31 as inadequate. Only 8% of all evaluated Web sites contained HONcode certification. We found that the quality of information available on the Internet about FAI was dramatically variable. A significantly large proportion of Web sites were from academic sources, but this did not necessarily indicate higher quality. Sites with HONcode certification showed as much variability in quality as noncertified sites. This study increases clinician competence in the available Internet information about FAI and helps them to confidently guide patients to formulate appropriate medical decisions based on high-quality information. Copyright © 2014 Arthroscopy Association of North America. Published by Elsevier Inc. All rights reserved.

  17. Democracy and Tunisia: A Case Study

    DTIC Science & Technology

    1994-06-01

    2591 E. ISLAMIC MOVEMENT The al-Nahda Islamic movement, originally called the Mouvement de la Tendance Islamique (MTI), is claimed by the government to...billion for the period 1987-1991. At the same time reportedly an African Development Bank offered a $79 million credit line to finance tourism and...industrial projects, England’s Midland Bank financed $27 million and the Italian government provided $500 million in loans and grants for a five year

  18. Search strategies on the Internet: general and specific.

    PubMed

    Bottrill, Krys

    2004-06-01

    Some of the most up-to-date information on scientific activity is to be found on the Internet; for example, on the websites of academic and other research institutions and in databases of currently funded research studies provided on the websites of funding bodies. Such information can be valuable in suggesting new approaches and techniques that could be applicable in a Three Rs context. However, the Internet is a chaotic medium, not subject to the meticulous classification and organisation of classical information resources. At the same time, Internet search engines do not match the sophistication of search systems used by database hosts. Also, although some offer relatively advanced features, user awareness of these tends to be low. Furthermore, much of the information on the Internet is not accessible to conventional search engines, giving rise to the concept of the "Invisible Web". General strategies and techniques for Internet searching are presented, together with a comparative survey of selected search engines. The question of how the Invisible Web can be accessed is discussed, as well as how to keep up-to-date with Internet content and improve searching skills.

  19. 17 CFR 230.239 - Exemption for offers and sales of certain security-based swaps.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... specified Internet address or includes in its agreement covering the security-based swap that the eligible... 17 Commodity and Securities Exchanges 2 2013-04-01 2013-04-01 false Exemption for offers and sales of certain security-based swaps. 230.239 Section 230.239 Commodity and Securities Exchanges...

  20. 17 CFR 230.239 - Exemption for offers and sales of certain security-based swaps.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... specified Internet address or includes in its agreement covering the security-based swap that the eligible... 17 Commodity and Securities Exchanges 3 2014-04-01 2014-04-01 false Exemption for offers and sales of certain security-based swaps. 230.239 Section 230.239 Commodity and Securities Exchanges...

  1. Developing Digital Competences Using an Educational Software. A Pedagogical Research

    ERIC Educational Resources Information Center

    Magdas, Ioana; Bontea, Timea

    2011-01-01

    Many teachers and people in educational institutions consider it necessary to prepare children for living in a computerized society. The Internet offers an incredible number of opportunities for teachers. The Web offer of e-learning open source platforms reached an impressive configuration. In this article, we present an educational software for…

  2. Economies of eLearning in the 21st Century

    ERIC Educational Resources Information Center

    Kasraie, Noah; Kasraie, Esrafill

    2010-01-01

    The Internet and advancements in the field of information technology have opened up unprecedented opportunities for every citizen to succeed in the 21st Century. Higher education has been utilizing the new technology by offering web-based education. Many universities today offer online classes and even online degrees using eLearning. But how can…

  3. 12 CFR 16.32 - Fraudulent transactions and unsafe and unsound practices.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... operates as a fraud or deceit upon any person, in connection with the purchase or sale of any security of a... SECURITIES OFFERING DISCLOSURE RULES § 16.32 Fraudulent transactions and unsafe and unsound practices. (a) No person in the offer or sale of bank securities shall directly or indirectly: (1) Employ any device...

  4. The digital transformation of health care.

    PubMed

    Coile, R C

    2000-01-01

    The arrival of the Internet offers the opportunity to fundamentally reinvent medicine and health care delivery. The "e-health" era is nothing less than the digital transformation of the practice of medicine, as well as the business side of the health industry. Health care is only now arriving in the "Information Economy." The Internet is the next frontier of health care. Health care consumers are flooding into cyberspace, and an Internet-based industry of health information providers is springing up to serve them. Internet technology may rank with antibiotics, genetics, and computers as among the most important changes for medical care delivery. Utilizing e-health strategies will expand exponentially in the next five years, as America's health care executives shift to applying IS/IT (information systems/information technology) to the fundamental business and clinical processes of the health care enterprise. Internet-savvy physician executives will provide a bridge between medicine and management in the adoption of e-health technology.

  5. www.mydrugdealer.com: Ethics and legal implications of Internet-based access to substances of abuse.

    PubMed

    Klein, Carolina A; Kandel, Surendra

    2011-01-01

    The Internet has increasingly become an intrinsic part of everyday life, offering countless possibilities for education, services, recreation, and more. In fact, an entire virtual life within the digitalized World Wide Web is possible and common among many Internet users. Today's psychiatrists must therefore incorporate this dimension of human life into clinical practice, to achieve an adequate assessment of the tools and risks available to the patient. We focus on the Internet as a portal for the trade of and access to substances of abuse. We review the legal regulations that may inform care and standards of practice and analyze the difficulties that arise in assessment and monitoring of the current situation. We consider the potential impact of Internet-based narcotics trade on addiction morbidities and the practice of clinical psychiatry, as well as on the potential legal implications that the forensic expert may face.

  6. Social and Psychological Effects of the Internet Use

    PubMed Central

    Diomidous, Marianna; Chardalias, Kostis; Magita, Adrianna; Koutonias, Panagiotis; Panagiotopoulou, Paraskevi; Mantas, John

    2016-01-01

    Background and Aims: Over the past two decades there was an upsurge of the use of Internet in human life. With this continuous development, Internet users are able to communicate with any part of the globe, to shop online, to use it as a mean of education, to work remotely and to conduct financial transactions. Unfortunately, this rapid development of the Internet has a detrimental impact in our life, which leads to various phenomena such as cyber bullying, cyber porn, cyber suicide, Internet addiction, social isolation, cyber racism etc. The main purpose of this paper is to record and analyze all these social and psychological effects that appears to users due to the extensive use of the Internet. Materials and Methods: This review study was a thorough search of bibliography data conducted through Internet and library research studies. Key words were extracted from search engines and data bases including Google, Yahoo, Scholar Google, PubMed. Findings: The findings of this study showed that the Internet offers a quick access to information and facilitates communication however; it is quite dangerous, especially for young users. For this reason, users should be aware of it and face critically any information that is handed from the website PMID:27041814

  7. Social and Psychological Effects of the Internet Use.

    PubMed

    Diomidous, Marianna; Chardalias, Kostis; Magita, Adrianna; Koutonias, Panagiotis; Panagiotopoulou, Paraskevi; Mantas, John

    2016-02-01

    Over the past two decades there was an upsurge of the use of Internet in human life. With this continuous development, Internet users are able to communicate with any part of the globe, to shop online, to use it as a mean of education, to work remotely and to conduct financial transactions. Unfortunately, this rapid development of the Internet has a detrimental impact in our life, which leads to various phenomena such as cyber bullying, cyber porn, cyber suicide, Internet addiction, social isolation, cyber racism etc. The main purpose of this paper is to record and analyze all these social and psychological effects that appears to users due to the extensive use of the Internet. This review study was a thorough search of bibliography data conducted through Internet and library research studies. Key words were extracted from search engines and data bases including Google, Yahoo, Scholar Google, PubMed. The findings of this study showed that the Internet offers a quick access to information and facilitates communication however; it is quite dangerous, especially for young users. For this reason, users should be aware of it and face critically any information that is handed from the website.

  8. Perceived barriers to completing an e-learning program on evidence-based medicine.

    PubMed

    Gagnon, Marie-Pierre; Légaré, France; Labrecque, Michel; Frémont, Pierre; Cauchon, Michel; Desmartis, Marie

    2007-01-01

    The Continuing Professional Development Center of the Faculty of Medicine at Laval University offers an internet-based program on evidence-based medicine (EBM). After one year, only three physicians out of the 40 who willingly paid to register had completed the entire program. This descriptive study aimed to identify physicians' beliefs regarding their completion of this online program. Using theoretical concepts from the Theory of Planned Behaviour, a semi-structured telephone interview guide was developed to assess respondents' attitudes, perceived subjective norms, perceived obstacles and facilitating conditions with respect to completing this internet-based program. Three independent reviewers performed content analysis of the interview transcripts to obtain an appropriate level of reliability. Findings were shared and organised according to theoretical categories of beliefs. A total of 35 physicians (88% response rate) were interviewed. Despite perceived advantages to completing the internet-based program, barriers remained, especially those related to physicians' perceptions of time constraints. Lack of personal discipline and unfamiliarity with computers were also perceived as important barriers. This study offers a theoretical basis to understand physicians' beliefs towards completing an internet-based continuing medical education (CME) program on EBM. Based upon respondents' insights, several modifications were carried out to enhance the uptake of the program by physicians and, therefore, its implementation.

  9. Performance-enhancing drugs on the web: a growing public-health issue.

    PubMed

    Brennan, Brian P; Kanayama, Gen; Pope, Harrison G

    2013-01-01

    Today's Internet provides extensive "underground" guidelines for obtaining and using illicit substances, including especially anabolic-androgenic steroids (AAS) and other appearance- and performance-enhancing drugs (APEDs). We attempted to qualitatively characterize APED-related Internet sites. We used relevant Internet search terms (eg, "steroids bodybuilding" and "buy steroids online") to assess (i) the numbers of site visitors; (ii) offers of drugs for sale; and (iii) the quality of online medical information. We also chose the examples of (iv) "site-enhancing oils" and (v) "cattle implants" to illustrate the volume of available Internet information as compared with that in the medical literature. We found thousands of sites involving AAS and other APEDs. Most sites presented an unabashedly pro-drug position, often openly questioning the qualifications and motivations of mainstream medical practitioners. Offers of AAS and other APEDs for sale, together with medical advice of varying legitimacy, was widespread across sites. Importantly, many sites provided detailed guidelines for exotic forms of APED use, some likely associated with serious health risks, which are probably unknown to most practicing clinicians. It seems important for practitioners to be aware of the extent of this "underground literature," which may strongly influence their patients' decisions about use and abuse of APEDs. Copyright © American Academy of Addiction Psychiatry.

  10. An Item Bank for Abuse of Prescription Pain Medication from the Patient-Reported Outcomes Measurement Information System (PROMIS®).

    PubMed

    Pilkonis, Paul A; Yu, Lan; Dodds, Nathan E; Johnston, Kelly L; Lawrence, Suzanne M; Hilton, Thomas F; Daley, Dennis C; Patkar, Ashwin A; McCarty, Dennis

    2017-08-01

    There is a need to monitor patients receiving prescription opioids to detect possible signs of abuse. To address this need, we developed and calibrated an item bank for severity of abuse of prescription pain medication as part of the Patient-Reported Outcomes Measurement Information System (PROMIS ® ). Comprehensive literature searches yielded an initial bank of 5,310 items relevant to substance use and abuse, including abuse of prescription pain medication, from over 80 unique instruments. After qualitative item analysis (i.e., focus groups, cognitive interviewing, expert review, and item revision), 25 items for abuse of prescribed pain medication were included in field testing. Items were written in a first-person, past-tense format, with a three-month time frame and five response options reflecting frequency or severity. The calibration sample included 448 respondents, 367 from the general population (ascertained through an internet panel) and 81 from community treatment programs participating in the National Drug Abuse Treatment Clinical Trials Network. A final bank of 22 items was calibrated using the two-parameter graded response model from item response theory. A seven-item static short form was also developed. The test information curve showed that the PROMIS ® item bank for abuse of prescription pain medication provided substantial information in a broad range of severity. The initial psychometric characteristics of the item bank support its use as a computerized adaptive test or short form, with either version providing a brief, precise, and efficient measure relevant to both clinical and community samples. © 2016 American Academy of Pain Medicine. All rights reserved. For permissions, please e-mail: journals.permissions@oup.com

  11. Diversity in Older Adults' Use of the Internet: Identifying Subgroups Through Latent Class Analysis.

    PubMed

    van Boekel, Leonieke C; Peek, Sebastiaan Tm; Luijkx, Katrien G

    2017-05-24

    As for all individuals, the Internet is important in the everyday life of older adults. Research on older adults' use of the Internet has merely focused on users versus nonusers and consequences of Internet use and nonuse. Older adults are a heterogeneous group, which may implicate that their use of the Internet is diverse as well. Older adults can use the Internet for different activities, and this usage can be of influence on benefits the Internet can have for them. The aim of this paper was to describe the diversity or heterogeneity in the activities for which older adults use the Internet and determine whether diversity is related to social or health-related variables. We used data of a national representative Internet panel in the Netherlands. Panel members aged 65 years and older and who have access to and use the Internet were selected (N=1418). We conducted a latent class analysis based on the Internet activities that panel members reported to spend time on. Second, we described the identified clusters with descriptive statistics and compared the clusters using analysis of variance (ANOVA) and chi-square tests. Four clusters were distinguished. Cluster 1 was labeled as the "practical users" (36.88%, n=523). These respondents mainly used the Internet for practical and financial purposes such as searching for information, comparing products, and banking. Respondents in Cluster 2, the "minimizers" (32.23%, n=457), reported lowest frequency on most Internet activities, are older (mean age 73 years), and spent the smallest time on the Internet. Cluster 3 was labeled as the "maximizers" (17.77%, n=252); these respondents used the Internet for various activities, spent most time on the Internet, and were relatively younger (mean age below 70 years). Respondents in Cluster 4, the "social users," mainly used the Internet for social and leisure-related activities such as gaming and social network sites. The identified clusters significantly differed in age (P<.001, ω 2 =0.07), time spent on the Internet (P<.001, ω 2 =0.12), and frequency of downloading apps (P<.001, ω 2 =0.14), with medium to large effect sizes. Social and health-related variables were significantly different between the clusters, except social and emotional loneliness. However, effect sizes were small. The minimizers scored significantly lower on psychological well-being, instrumental activities of daily living (iADL), and experienced health compared with the practical users and maximizers. Older adults are a diverse group in terms of their activities on the Internet. This underlines the importance to look beyond use versus nonuse when studying older adults' Internet use. The clusters we have identified in this study can help tailor the development and deployment of eHealth intervention to specific segments of the older population. ©Leonieke C van Boekel, Sebastiaan TM Peek, Katrien G Luijkx. Originally published in the Journal of Medical Internet Research (http://www.jmir.org), 24.05.2017.

  12. Data Leakage Prevention: E-Mail Protection via Gateway

    NASA Astrophysics Data System (ADS)

    Kaur, Kamaljeet; Gupta, Ishu; Singh, Ashutosh Kumar

    2018-01-01

    Protection of digital assets and intellectual property is becoming a challenge for most of the companies. Due to increasing availability of database services on internet, data may be insecure after passing through precarious networks. To protect intellectual property (IP) is a major concern for today's organizations, because a leakage that compromises IP means, sensitive information of a company is in the hands of biggest competitors. Electronic information processing and communication is replacing paper in many applications increasingly. Instead of paper, an email is being used for communication at workplace and from social media logins to bank accounts. Nowadays an email is becoming a mainstream business tool. An email can be misused to leave company’s sensitive data open to compromise. So, it may be of little surprise that attacks on emails are common. So, here we need an email protection system (EPS) that will protect information to leave organization via mail. In this paper, we developed an algorithm that will offer email protection via gateway during data transfer. This algorithm matches the patterns with the keywords stored in the database and then takes the actions accordingly to protect the data. This paper describes why email protection is important? How companies can protect their confidential information from being leaked by insiders.

  13. Personalization in E-Government: An Approach that Combines Semantics and Web 2.0

    NASA Astrophysics Data System (ADS)

    Schmidt, Kay-Uwe; Stojanovic, Ljiljana; Stojanovic, Nenad; Thomas, Susan

    In Europe, large parts of the population use the Internet in their daily life: at work, during their leisure time, or for accessing information, purchasing goods or communication. They now expect public administrations to provide the same level of service that they are accustomed to when using online banking, flight booking or electronic shops. Increasingly, they also expect the types of personalization and user adaptation offered by such commercial services.1 The current norm for e-government portals, which is to confront different citizens with a one-size-fits-all Web interface, is not the optimum way to deliver public sector services because every person is an individual with different knowledge, abilities, skills and preferences. The conventional brick-and-mortar office has a more human face because the clerk can respond to different people in different manners. That is why people tend to use the conventional office rather than the e-government services. To transfer some of the humanity to e-government portals, it is necessary to build adaptive portals for public services. Such user-adaptive portals will increase the usability, and, thus, the acceptance of e-government, enabling administrations to achieve the, as yet, elusive efficiency gains and user satisfaction, which are the primary goals of e-government projects.

  14. Structural analysis of behavioral networks from the Internet

    NASA Astrophysics Data System (ADS)

    Meiss, M. R.; Menczer, F.; Vespignani, A.

    2008-06-01

    In spite of the Internet's phenomenal growth and social impact, many aspects of the collective communication behavior of its users are largely unknown. Understanding the structure and dynamics of the behavioral networks that connect users with each other and with services across the Internet is key to modeling the network and designing future applications. We present a characterization of the properties of the behavioral networks generated by several million users of the Abilene (Internet2) network. Structural features of these networks offer new insights into scaling properties of network activity and ways of distinguishing particular patterns of traffic. For example, we find that the structure of the behavioral network associated with Web activity is characterized by such extreme heterogeneity as to challenge any simple attempt to model Web server traffic.

  15. Inventing an Energy Internet: Concepts, Architectures and Protocols for Smart Energy Utilization

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

    Tsoukalas, Lefteri

    2009-04-29

    In recent years, the Internet is revolutionizing information availability much like the Power Grid revolutionized energy availability a century earlier. We will explore the differences and similarities of these two critical infrastructures and identify ways for convergence which may lead to an energy internet. Pricing signals, nodal forecasting, and short-term elasticities are key concepts in smart energy flows respecting the delicate equilibrium involved in generation-demand and aiming at higher efficiencies. We will discuss how intelligent forecasting approaches operating at multiple levels (including device or nodal levels) can ameliorate the challenges of power storage. In addition to higher efficiencies, an energymore » internet may achieve significant reliability and security improvements and offer greater flexibility and transparency in the overall energy-environmental relation.« less

  16. Cryptography and the Internet: lessons and challenges

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

    McCurley, K.S.

    1996-12-31

    The popularization of the Internet has brought fundamental changes to the world, because it allows a universal method of communication between computers. This carries enormous benefits with it, but also raises many security considerations. Cryptography is a fundamental technology used to provide security of computer networks, and there is currently a widespread engineering effort to incorporate cryptography into various aspects of the Internet. The system-level engineering required to provide security services for the Internet carries some important lessons for researchers whose study is focused on narrowly defined problems. It also offers challenges to the cryptographic research community by raising newmore » questions not adequately addressed by the existing body of knowledge. This paper attempts to summarize some of these lessons and challenges for the cryptographic research community.« less

  17. An evaluation of information on the internet about a new device: the cervical artificial disc replacement.

    PubMed

    Qureshi, Sheeraz A; Koehler, Steven M; Lin, James D; Bird, Justin; Garcia, Ryan M; Hecht, Andrew C

    2012-05-01

    Cross-sectional survey. The objective of this study was to investigate the authorship, content, and quality of information available to the public on the Internet pertaining to the cervical artificial disc replacement device. The Internet is widely used by patients as an educational tool for health care information. In addition, the Internet is used as a medium for direct-to-consumer marketing. Increasing interest in cervical artificial disc replacement has led to the emergence of numerous Web sites offering information about this procedure. It is thought that patients can be influenced by information found on the Internet. A cross section of Web sites accessible to the general public was surveyed. Three commonly used search engines were used to locate 150 (50/search engine) Web sites providing information about the cervical artificial disc replacement. Each Web site was evaluated with regard to authorship and content. Fifty-three percent of the Web sites reviewed were authorized by a private physician group, 4% by an academic physician group, 13% by industry, 16% were news reports, and 14% were not otherwise categorized. Sixty-five percent of Web sites offered a mechanism for direct contact and 19% provided clear patient eligibility criteria. Benefits were expressed in 80% of Web sites, whereas associated risks were described in 35% or less. European experiences were noted in 17% of Web sites, whereas only 9% of Web sites detailed the current US experience. CONCLUSION.: The results of this study demonstrate that much of the content of the Internet-derived information pertaining to the cervical artificial disc replacement is for marketing purposes and may not represent unbiased information. Until we can confirm the content on a Web site to be accurate, patients should be cautioned when using the Internet as a source for health care information related to cervical disc replacement.

  18. An Engineering Methodology for Implementing and Testing VLSI (Very Large Scale Integrated) Circuits

    DTIC Science & Technology

    1989-03-01

    the pad frame and associated routing, conducted additional testing. and submitted the finished design effort to MOSIS for manufacturing. Throughout...register bank TSTCON Allows the XNOR circuitry to enter the TEST register bank PADIN Test signal to check operation of the input pad VCC Power connection...MOSSIM II simulation program. but the design offered little observability within the circuit. The initial design used 35 pins of a 40 pin pad frame

  19. How Patients With Schizophrenia Use the Internet: Qualitative Study

    PubMed Central

    Sibitz, Ingrid; Unger, Annemarie; Amering, Michaela

    2010-01-01

    Background The Internet is an important source of health information for people with psychiatric conditions. Little is known about the way patients with schizophrenia use the Internet when it comes to issues related to their illness. Data on their specific needs, difficulties, and the consequences related to Internet use are lacking. Objective Our objective was to investigate the nature and subjective consequences of health-related Internet use among patients with schizophrenia. Methods In all, 26 individual semistructured interviews were conducted and analyzed qualitatively in groups of 4 until theoretical saturation was achieved. Results Study results suggest that the Internet is an influential source of illness-related information for patients with schizophrenia. Many aspects of their behavior around the Internet resemble those of individuals not afflicted by mental illness. Importantly, problems specific to patients with schizophrenia were stimulus overflow, an inability to deal with the abundance of information, difficulties with concentration, lack of energy, paranoid ideas, symptom provocation, and the need to distance themselves from illness-related topics as part of the recovery process. Internet information was subjectively perceived as having the potential to significantly change patients’ attitudes toward medication and their relationships with doctors. Conclusions These findings provide insight into how individuals with schizophrenia handle illness-related Internet information. The data could contribute to the continuous development of Internet-based interventions and offer novel approaches to optimizing traditional treatment options. PMID:21169176

  20. Power laws for the backscattering matrices in the case of lidar sensing of cirrus clouds

    NASA Astrophysics Data System (ADS)

    Kustova, Natalia V.; Konoshonkin, Alexander V.; Borovoi, Anatoli; Okamoto, Hajime; Sato, Kaori; Katagiri, Shuichiro

    2017-11-01

    The data bank for the backscattering matrixes of cirrus clouds that was calculated earlier by the authors and was available in the internet for free access has been replaced in the case of randomly oriented crystals by simple analytic equations. Four microphysical ratios conventionally measured by lidars have been calculated for different shapes and the effective size of the crystals. These values could be used for retrieving shapes of the crystals in cirrus clouds.

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