Food for Thought: Building a High-Quality School Choice Market

ERIC Educational Resources Information Center

Dillon, Erin

2009-01-01

Although the for-profit retail and nonprofit education markets are not identical, many of the strategies used by reformers to improve markets for banking and food services could nonetheless benefit public education. As district and community leaders, charter school authorizers, and policymakers expand the marketplace of schools, they would be…

Usability and trust in e-banking.

PubMed

Pravettoni, Gabriella; Leotta, Salvatore Nuccio; Lucchiari, Claudio; Misuraca, Raffaella

2007-12-01

This study assessed the role of usability in trust of e-banking services. A questionnaire was administered to 185 Italian undergraduate working students who volunteered for the experiment (M age = 30.5 yr., SD = 3.1). Participants were differentiated on computer ability (Expert, n = 104; Nonexpert, n = 81) and e-banking use (User, n = 93; Nonusers, n = 92). Analysis showed that the website usability of e-banking services did not play a very important role for the User group. Instead, institution-based trust, e.g., the trust in the security policy of the Web merchant, customers, and the overall trust of the bank were the crucial factors in the adoption of e-banking.

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...

29 CFR 786.350 - Exclusion from definition of “employee” of volunteers at private non-profit food banks.

Code of Federal Regulations, 2014 CFR

2014-07-01

... 29 Labor 3 2014-07-01 2014-07-01 false Exclusion from definition of âemployeeâ of volunteers at... RELATED TO REGULATIONS MISCELLANEOUS EXEMPTIONS AND EXCLUSIONS FROM COVERAGE Volunteers at Private Non-Profit Food Banks § 786.350 Exclusion from definition of “employee” of volunteers at private non-profit...

29 CFR 786.350 - Exclusion from definition of “employee” of volunteers at private non-profit food banks.

Code of Federal Regulations, 2012 CFR

2012-07-01

... 29 Labor 3 2012-07-01 2012-07-01 false Exclusion from definition of âemployeeâ of volunteers at... RELATED TO REGULATIONS MISCELLANEOUS EXEMPTIONS AND EXCLUSIONS FROM COVERAGE Volunteers at Private Non-Profit Food Banks § 786.350 Exclusion from definition of “employee” of volunteers at private non-profit...

29 CFR 786.350 - Exclusion from definition of “employee” of volunteers at private non-profit food banks.

Code of Federal Regulations, 2011 CFR

2011-07-01

... 29 Labor 3 2011-07-01 2011-07-01 false Exclusion from definition of âemployeeâ of volunteers at... RELATED TO REGULATIONS MISCELLANEOUS EXEMPTIONS AND EXCLUSIONS FROM COVERAGE Volunteers at Private Non-Profit Food Banks § 786.350 Exclusion from definition of “employee” of volunteers at private non-profit...

29 CFR 786.350 - Exclusion from definition of “employee” of volunteers at private non-profit food banks.

Code of Federal Regulations, 2013 CFR

2013-07-01

... 29 Labor 3 2013-07-01 2013-07-01 false Exclusion from definition of âemployeeâ of volunteers at... RELATED TO REGULATIONS MISCELLANEOUS EXEMPTIONS AND EXCLUSIONS FROM COVERAGE Volunteers at Private Non-Profit Food Banks § 786.350 Exclusion from definition of “employee” of volunteers at private non-profit...

12 CFR 345.24 - Service test.

Code of Federal Regulations, 2010 CFR

2010-01-01

... systems for delivering retail banking services (e.g., RSFs, RSFs not owned or operated by or exclusively... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Service test. 345.24 Section 345.24 Banks and Banking FEDERAL DEPOSIT INSURANCE CORPORATION REGULATIONS AND STATEMENTS OF GENERAL POLICY COMMUNITY...

12 CFR 25.24 - Service test.

Code of Federal Regulations, 2010 CFR

2010-01-01

... of alternative systems for delivering retail banking services (e.g., ATMs, ATMs not owned or operated... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Service test. 25.24 Section 25.24 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY COMMUNITY REINVESTMENT ACT AND INTERSTATE...

Performance comparison of Islamic and commercial banks in Malaysia

NASA Astrophysics Data System (ADS)

Azizud-din, Azimah; Hussin, Siti Aida Sheikh; Zahid, Zalina

2016-10-01

The steady growth in the size and increase in the number of Islamic banks show that the Islamic banking system is considered as an alternative to the conventional banking system. Due to this, comparisons in term of performance measurements and evaluation of the financial health for both type of banks are essential. The main purpose of this study is to analyse the differences between Islamic and commercial banks performance. Five years secondary data were collected from the annual report for each bank. Return on Asset ratio is chosen as the dependent variable, while capital adequacy, asset quality, management quality, earning, liquidity and sensitivity to market risk (CAMELS) are the independent variables. Descriptive analyses were done to understand the data. The independent t-test and Mann Whitney test show the differences of Islamic and commercial banks based on the financial variables. The stepwise and hierarchical multiple regressions were used to determine the factor that affects profitability performance of banks. Results show that Islamic banks are better in term of profitability performance, earning power performance, liquidity performance and sensitive to market risk. The factors that affect profitability performance are capital adequacy, earning power and liquidity variable.

[Comparative analysis of the non-profit, for-profit and public hospital providers: American experiences].

PubMed

Mogyorósy, Zsolt

2004-07-04

The new legislation allowed hospitals and other health care facilities to be converted into for-profit status. The detailed regulatory framework is under development in Hungary. This article reviews the literature of studies comparing hospital financial performance and the quality of care before and after conversion from public or non-profit status to for-profit. Studies were identified through electronic search of Medline (Pubmed), EconLit, Cochrane Library, Economic Evaluation Database (EED), az Health Technology Assessment (HTA) databases, library files and reference lists. The literature search was extended to the Internet, World Bank, International Labor Office (ILO), Organization for Economic Cooperation and Development (OECD), and WHO websites as well as government, academic institutions and large insurance companies web pages for unpublished online information. Time series and before-after studies and systematic literature reviews were included. The conversion from non-profit to for-profit status improved the profitability of the hospitals. However the quality of care (measures in mortality, frequency of side effects, complications) might suffer in the first couple years of the conversion. The conversion may increase the total health care expenditures per capita. Trustful relationship between patients and physicians may also be threatened. The generalisability of the American experiences into the Hungarian single payer system may be limited. From societal point of view, for-profit providers could provide socially beneficial care in areas where it is possible to define, monitor and evaluate the nature and quality characteristics of the services, as well as market competition can be ensured. However most of the healthcare services are too complex to fall into this category.

The Promise and Realities of Pay for Success/Social Impact Bonds

ERIC Educational Resources Information Center

Saltman, Kenneth J.

2017-01-01

This article considers proponents' arguments for Pay for Success also known as Social Impact Bonds. Pay for Success allows banks to finance public services with potential profits tied to metrics. Pay for Success has received federal support through the Every Student Succeeds Act of 2016 and is predicted by 2020 to expand in the US to a trillion…

America: The Trillion Dollar Lemonade Stand. Fundamentals of Free Enterprise, No. 1. Revised.

ERIC Educational Resources Information Center

American Fletcher National Bank and Trust Co., Indianapolis, IN.

Designed for high school economics students as a public service project of the American Fletcher National Bank, the booklet examines the American free enterprise system as it relates to the traditional lemonade stand and its ability to make a profit. The parallel is made by considering some basic principles: (1) the constant need for capital to…

12 CFR 205.17 - Requirements for overdraft services.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 2 2011-01-01 2011-01-01 false Requirements for overdraft services. 205.17 Section 205.17 Banks and Banking FEDERAL RESERVE SYSTEM BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM ELECTRONIC FUND TRANSFERS (REGULATION E) § 205.17 Requirements for overdraft services. (a) Definition. For...

12 CFR 5.63 - Capital limitation under 12 U.S.C. 56.

Code of Federal Regulations, 2011 CFR

2011-01-01

... permanent capital. Further, a national bank may not declare a dividend in excess of undivided profits. (b... the undivided profits of the national bank are not sufficient to cover a proposed dividend on preferred stock, the proposed dividend constitutes a reduction in capital subject to 12 U.S.C. 59 and § 5.46. ...

12 CFR 5.63 - Capital limitation under 12 U.S.C. 56.

Code of Federal Regulations, 2010 CFR

2010-01-01

... permanent capital. Further, a national bank may not declare a dividend in excess of undivided profits. (b... the undivided profits of the national bank are not sufficient to cover a proposed dividend on preferred stock, the proposed dividend constitutes a reduction in capital subject to 12 U.S.C. 59 and § 5.46. ...

The contradictory logic of global ecosystem services markets.

PubMed

McAfee, Kathleen

2012-01-01

Commodification and transnational trading of ecosystem services is the most ambitious iteration yet of the strategy of ‘selling nature to save it’. The World Bank and UN agencies contend that global carbon markets can slow climate change while generating resources for development. Consonant with ‘inclusionary’ versions of neoliberal development policy, advocates assert that international payment for ecosystem services (PES) projects, financed by carbon-offset sales and biodiversity banking, can benefit the poor. However, the World Bank also warns that a focus on poverty reduction can undermine efficiency in conservation spending. The experience of ten years of PES illustrates how, in practice, market-efficiency criteria clash directly with poverty-reduction priorities. Nevertheless, the premises of market-based PES are being extrapolated as a model for global REDD programmes financed by carbon-offset trading. This article argues that the contradiction between development and conservation observed in PES is inevitable in projects framed by the asocial logic of neoclassical economics. Application in international conservation policy of the market model, in which profit incentives depend upon differential opportunity costs, will entail a net upward redistribution of wealth from poorer to wealthier classes and from rural regions to distant centres of capital accumulation, mainly in the global North.

12 CFR 563e.23 - Investment test.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 5 2011-01-01 2011-01-01 false Investment test. 563e.23 Section 563e.23 Banks... for Assessing Performance § 563e.23 Investment test. (a) Scope of test. The investment test evaluates... lending or service tests may not be considered under the investment test. (c) Affiliate investment. At a...

12 CFR 563e.23 - Investment test.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 6 2012-01-01 2012-01-01 false Investment test. 563e.23 Section 563e.23 Banks... for Assessing Performance § 563e.23 Investment test. (a) Scope of test. The investment test evaluates... lending or service tests may not be considered under the investment test. (c) Affiliate investment. At a...

12 CFR 563e.28 - Assigned ratings.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

Comparison of the financial performance of Islamic and conventional bank in Malaysia during and after economic crisis

NASA Astrophysics Data System (ADS)

Kadir, Norhidayah A.; Jaffar, Aidatullaini; Abdullah, Nur Lina; Harun, Nurzalina

2013-09-01

This paper is a continuation of our former work. In this paper, we compare the financial performance of the two banking systems that exist in Malaysia over two periods of time, during economic crisis (1997-1999) and after economic crisis (2001-2003). In order to see the conventional as well as Islamic bank's performance over these two periods of time, the study uses 10 financial ratios which are broadly categorized into 4 groups: (a) profitability ratios; (b) liquidity ratios; (c) risk and solvency ratios; and (d) efficiency ratios. Next, the study used T-test in determining the significance of the differential performance of the two banks over two periods of time. By using inter-bank comparison, the study found that, conventional bank has better performance, efficient, more profitable and has greater risk as compared to Islamic bank. However, in terms of utilizing asset, Islamic bank is better than conventional bank. As an overall, conventional bank is better in much aspect due to the longer history and experience in the industry than Islamic bank that start their operation in 1983.

76 FR 4349 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Federal Register 2010, 2011, 2012, 2013, 2014

2011-01-25

....; TCG Financial Services, L.P;, Carlyle Financial Services, Ltd.; TC Group Cayman Investment Holdings, L.P.; TCG Holdings Cayman II, L.P.; DBD Cayman, Limited; TCG Financial Services Investment Holdings, L...'Aniello; William E. Conway, Jr.; David M. Rubenstein, all in Washington, D.C.; and Carlyle Investment...

76 FR 33413 - Proposed Renewal Without Change; Comment Request; Nine Bank Secrecy Act Recordkeeping Requirements

Federal Register 2010, 2011, 2012, 2013, 2014

2011-06-08

... a currently approved information collection. Affected Public: Businesses and other for-profit... currently approved information collection. Affected Public: Businesses and other for-profit institutions... information collection. Affected Public: Businesses and other for-profit institutions. [[Page 33414

JPRS Report, Soviet Union Economic Affairs.

DTIC Science & Technology

1988-11-29

principles for this sys - tem. The system will include quotas for the income part of the budgets; payments from the enterprises’ computed profit...against the entire economic sys - tem. And these statements are not being subjected to the proper criticism. And if individual published items writ- ten...envisioned in the decree concerning the restructuring of the banking sys - tem adopted in July 1987. The main result of banking activity is profit

Promoting women entrepreneurs in Lebanon: the experience of UNIFEM.

PubMed

Husseini, R

1997-02-01

The work of the United Nations Development Fund for Women (UNIFEM) in West Asia began in 1994 with a regional program to strengthen women-owned enterprises in Jordan, Syria, and Lebanon. In Lebanon, a survey of 100 women entrepreneurs, as well as nontraditional credit programs and banks, was conducted prior to program design. A second survey assessed micro-entrepreneurs' demands for financial and other services. Since gender analysis was a new concept in Lebanon, UNIFEM organized a gender awareness workshop for representatives of government, nongovernmental organizations, and the banking sector, followed by a strategic planning workshop. The surveys confirmed that women were concentrated mainly in the less profitable economic sectors, producing handicrafts and food products or running small service or trading companies. Women were less likely than men to get bank loans or to register their businesses. Women's problems accessing credit--the main obstacle limiting their ability to develop their businesses--were compounded by their lack of information, male-oriented collateral requirements, and discriminatory banking regulations. UNIFEM decided to channel counseling of women entrepreneurs on legal matters, marketing, and credit sources through the Ministry of Social Affairs. It is expected that knowledge of gender-related employment issues and the use of gender-specific analysis will become integral to the Ministry's program as a result.

12 CFR 1005.14 - Electronic fund transfer service provider not holding consumer's account.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 8 2012-01-01 2012-01-01 false Electronic fund transfer service provider not... PROTECTION ELECTRONIC FUND TRANSFERS (REGULATION E) § 1005.14 Electronic fund transfer service provider not holding consumer's account. (a) Provider of electronic fund transfer service. A person that provides an...

12 CFR 1005.14 - Electronic fund transfer service provider not holding consumer's account.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 12 Banks and Banking 8 2013-01-01 2013-01-01 false Electronic fund transfer service provider not... PROTECTION ELECTRONIC FUND TRANSFERS (REGULATION E) General § 1005.14 Electronic fund transfer service provider not holding consumer's account. (a) Provider of electronic fund transfer service. A person that...

12 CFR 1005.14 - Electronic fund transfer service provider not holding consumer's account.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 12 Banks and Banking 8 2014-01-01 2014-01-01 false Electronic fund transfer service provider not... PROTECTION ELECTRONIC FUND TRANSFERS (REGULATION E) General § 1005.14 Electronic fund transfer service provider not holding consumer's account. (a) Provider of electronic fund transfer service. A person that...

78 FR 28619 - Proposed Information Collection; Fish and Wildlife Service Conservation Banking Survey

Federal Register 2010, 2011, 2012, 2013, 2014

2013-05-15

... DEPARTMENT OF THE INTERIOR Fish and Wildlife Service [FWS-HQ-ES-2013-N112; FXES1112090000-134-FF09E31000] Proposed Information Collection; Fish and Wildlife Service Conservation Banking Survey AGENCY: Fish and Wildlife Service, Interior. ACTION: Notice; request for comments. SUMMARY: We (U.S. Fish and...

Water banking, conjunctive administration, and drought: The interaction of water markets and prior appropriation in southeastern Idaho

NASA Astrophysics Data System (ADS)

Ghosh, Sanchari; Cobourn, Kelly M.; Elbakidze, Levan

2014-08-01

Despite recognition of the potential economic benefits and increasing interest in developing marketing instruments, water markets have remained thin and slow to evolve due to high transactions costs, third party effects, and the persistence of historical institutions for water allocation. Water banks are a marketing instrument that can address these obstacles to trade, allowing irrigators within a region to exchange water in order to mitigate the short-term effects of drought. Water banks coexist with the institutions governing water allocation, which implies that rule changes, such as adoption of a system of conjunctive surface water-groundwater administration, carry implications for the economic impacts of banking. This paper assesses and compares the welfare and distributional outcomes for irrigators in the Eastern Snake River Plain of Idaho under a suite of water management and drought scenarios. We find that water banking can offset irrigators' profit losses during drought, but that its ability to do so depends on whether it facilitates trade across groundwater and surface water users. With conjunctive administration, a bank allowing trade by source realizes 22.23% of the maximum potential efficiency gains from trade during a severe drought, while a bank that allows trade across sources realizes 93.47% of the maximum potential gains. During drought, conjunctive administration redistributes welfare from groundwater to surface water producers, but banking across sources allows groundwater irrigators to recover 88.4% of the profits lost from drought at a cost of 2.2% of the profit earned by surface water irrigators.

Political Connections of the Boards of Directors and Defense Contractors Excessive Profits

DTIC Science & Technology

2013-01-02

have 50 percent higher default rates. Such preferential treatment occurs exclusively in government banks—private banks provide no political favors...83,566,808 388 IN 3577 11 CAE CORP $83,563,697 389 CAE 3690 11 DEL MONTE FOODS COMPANY $77,962,809 419 DLM 2000 11 AMERICAN SCIENCE AND ENGRG...much rule out the possibility of anybody simultaneously serving a high -rank public service role and a top executive role in a private-sector firm. In

78 FR 39287 - Information Collection(s) Being Reviewed by the Federal Communications Commission, Comments...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-07-01

... Land Mobile Radio service filers in this collection. Pursuant to section 208(b) of the E- Government...- profit entities, not-for-profit institutions and state, local or tribal government. Number of Respondents...

Health and human services in an age of maturity.

PubMed

Aldridge, M G

1986-12-01

Catholic health care organizations are experiencing a tension between evangelical mission and expanding competition in medical markets. For the voluntary, not-for-profit health and human services system to survive and grow, hospital communities must find new revenue sources that do not create dependence on state and federal monies. The United States entered the Age of Maturity in 1985 as the "baby boomers" born between 1945 and 1957 became 40 years old, requiring health care providers to begin to plan for their care in old age. This large aging population, combined with a longer life span for Americans, will put increased burdens on health care organizations, particularly for chronic care, up to the year 2020 or beyond. Changes in family structure and social networks will be necessary as more people care for older relatives. The ratio of nonworkers to workers will increase, further burdening national and state tax bases, Social Security, and other worker-contributor programs. Investment banks are one option to finance the older population's increased needs for health and human services. Investment banks are funded by donations from the private sector (local and national businesses), the public sector (state, national, and local agencies), and new for-profit ventures for older persons. The contributions themselves remain in a central fund, with only the interest generated being used to fund local organizations committed to financial self-sufficiency and to helping the elderly. Older persons will carry increased economic and political clout in the Age of Maturity and will constitute a large percentage of hospitals' business. Therefore hospitals will have to develop a strong market position among the elderly. They must consider integrating a new service mix of both health and human services. Candidates for new hospital services for the elderly include housing programs, long-term care and continuum of care programs, employment programs, retirement planning, estate planning, day care, education and leisure programs, and family counseling.

The power of collective ambition.

PubMed

Ready, Douglas A; Truelove, Emily

2011-12-01

In the past few years, some companies have not just weathered the economic storm: They've emerged stronger than ever. How did such players as Four Seasons, Sephora, and Standard Chartered Bank defy conventional logic? Instead of pursuing a single ambition, such as profits, employees defined a collective ambition. As a result, those organizations deepened their engagement with employees and other stakeholders and became sustainably profitable. Purpose, a company's reason for existence, is the central element of collective ambition. The other elements--vision, targets and milestones, strategic and operational priorities, brand promise, core values, and leader behaviors--must be aligned to serve the company's purpose. Articulating the elements of collective ambition can give everyone in the organization a better sense of the company's purpose and how they can contribute to it. Purpose does not have to be about saving the world; providing excellent entertainment or banking services is just as meaningful a purpose as improving health care in emerging economies--as long as it is an authentic representation of why the company exists. To shape and then achieve a collective ambition, companies must strengthen their organizational glue (the collaborative engagement that creates a unified culture) and grease (the disciplined execution that enterprisewide change initiatives require).

Private sector joins family planning effort.

PubMed

1989-12-01

Projects supported by the Directorate for Population (S&T/POP) of the U.S. Agency for International Development and aimed at increasing for-profit private sector involvement in providing family planning services and products are described. Making products commercially available through social-marketing partnerships with the commercial sector, USAID has saved $1.1 million in commodity costs from Brazil, Dominican Republic, Ecuador, Indonesia, and Peru. Active private sector involvement benefits companies, consumers, and donors through increased corporate profits, healthier employees, improved consumer access at lower cost, and the possibility of sustained family planning programs. Moreover, private, for-profit companies will be able to meet service demands over the next 20 years where traditional government and donor agency sources would fail. Using employee surveys and cost-benefit analyses to demonstrate expected financial and health benefits for businesses and work forces, S&T/POP's Technical Information on Population for the Private Sector (TIPPS) project encourages private companies in developing countries to invest in family planning and maternal/child health care for their employees. 36 companies in 9 countries have responded thus far, which examples provided from Peru and Zimbabwe. The Enterprise program's objectives are also to increase the involvement of for-profit companies in delivering family planning services, and to improve the efficiency and effectiveness of private volunteer organizations in providing services. Projects have been started with mines, factories, banks, insurance companies, and parastatals in 27 countries, with examples cited from Ghana and Indonesia. Finally, the Social Marketing for Change project (SOMARC) builds demand and distributes low-cost contraceptives through commercial channels especially to low-income audiences. Partnerships have been initiated with the private sector in 17 developing countries, with examples provided from the Dominican Republic, Liberia and Ecuador. These projects have increased private sector involvement in family planning, thereby promoting service expansion at lower public sector cost.

76 FR 79612 - Magnuson-Stevens Fishery Conservation and Management Act Provisions; Fisheries of the...

Federal Register 2010, 2011, 2012, 2013, 2014

2011-12-22

... state-operated permit banks for the purpose of maximizing the fishing opportunities made available by... activity to regain their DAS for that trip, providing another opportunity to profit from the DAS that would... entities. Further, no reductions in profit are expected for any small entities, so the profitability...

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

Speaking the same language: underestimating financial impact when using diagnosis-related group versus ICD-9-based definitions for trauma inclusion criteria.

PubMed

Deppe, Sharon; Truax, Christopher B; Opalek, Judy M; Santanello, Steven A

2009-04-01

Hospital accounting methods use diagnosis-related group (DRG) data to identify patients and derive financial analyses and reports. The National Trauma Data Bank and trauma programs identify patients with trauma by International Classification of Diseases, Ninth Edition (ICD-9)-based definitions for inclusion criteria. These differing methods of identifying patients result in economic reports that vary significantly and fail to accurately identify the financial impact of trauma services. Routine financial data were collected for patients admitted to our Trauma Service from July 1, 2005 to June 30, 2006 using two methods of identifying the cases; by trauma DRGs and by trauma registry database inclusion criteria. The resulting data were compared and stratified to define the financial impact on hospital charges, reimbursement, costs, contribution to margin, downstream revenue, and estimated profit or loss. The results also defined the impact on supporting services, market share and total revenue from trauma admissions, return visits, discharged trauma alerts, and consultations. A total of 3,070 patients were identified by the trauma registry as meeting ICD-9 inclusion criteria. Trauma-associated DRGs accounted for 871 of the 3,070 admissions. The DRG-driven data set demonstrated an estimated profit of $800,000 dollars; the ICD-9 data set revealed an estimated 4.8 million dollar profit, increased our market share, and showed substantial revenue generated for other hospital service lines. Trauma DRGs fail to account for most trauma admissions. Financial data derived from DRG definitions significantly underestimate the trauma service line's financial contribution to hospital economics. Accurately identifying patients with trauma based on trauma database inclusion criteria better defines the business of trauma.

26 CFR 1.312-6 - Earnings and profits.

Code of Federal Regulations, 2012 CFR

2012-04-01

... Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (Continued) Effects on Corporation § 1.312-6 Earnings and profits. (a) In determining the... income tax returns under subchapter E, chapter 1 of the Code, on the cash receipts and disbursements...

26 CFR 1.312-6 - Earnings and profits.

Code of Federal Regulations, 2013 CFR

2013-04-01

... Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Effects on Corporation § 1.312-6 Earnings and profits. (a) In determining the... income tax returns under subchapter E, chapter 1 of the Code, on the cash receipts and disbursements...

78 FR 4848 - Social Media: Consumer Compliance Risk Management Guidance

Federal Register 2010, 2011, 2012, 2013, 2014

2013-01-23

... third- party service provider relationships in connection with social media; An employee training... managing compliance, and training for appropriate personnel. These controls should apply to all customers, products and services, including customers engaging in electronic banking (e-banking) through the use of...

Optimization of the bank's operating portfolio

NASA Astrophysics Data System (ADS)

Borodachev, S. M.; Medvedev, M. A.

2016-06-01

The theory of efficient portfolios developed by Markowitz is used to optimize the structure of the types of financial operations of a bank (bank portfolio) in order to increase the profit and reduce the risk. The focus of this paper is to check the stability of the model to errors in the original data.

Hospital finance.

PubMed

Herman, M J

1998-01-01

This article summarizes key areas of focus for the analysis of risk in the hospital segment of the health care industry. The article is written from a commercial bank lending perspective. Both for-profit (C-corporations) and 501 (c)(3) not-for-profit segments are addressed.

12 CFR 225.137 - Acquisitions of shares pursuant to section 4(c)(6) of the Bank Holding Company Act.

Code of Federal Regulations, 2014 CFR

2014-01-01

... experience and profitability of the insurance business that it had itself generated. Dividends declared by... interest of each stockholder would be determined by reference to the profitability of the business...

12 CFR 225.137 - Acquisitions of shares pursuant to section 4(c)(6) of the Bank Holding Company Act.

Code of Federal Regulations, 2013 CFR

2013-01-01

... experience and profitability of the insurance business that it had itself generated. Dividends declared by... interest of each stockholder would be determined by reference to the profitability of the business...

12 CFR 225.137 - Acquisitions of shares pursuant to section 4(c)(6) of the Bank Holding Company Act.

Code of Federal Regulations, 2012 CFR

2012-01-01

... experience and profitability of the insurance business that it had itself generated. Dividends declared by... interest of each stockholder would be determined by reference to the profitability of the business...

39 CFR 761.1 - Definition of terms.

Code of Federal Regulations, 2010 CFR

2010-07-01

... or indicates: (a) Reserve Bank means the Federal Reserve Bank of New York (and any other Federal Reserve Bank which agrees to issue Postal Service securities in book-entry form) as fiscal agent of the... in these regulations on the records of a Reserve Bank. (e) Pledge includes a pledge of, or any other...

31 CFR 328.2 - Definitions.

Code of Federal Regulations, 2012 CFR

2012-07-01

... 31 Money and Finance:Treasury 2 2012-07-01 2012-07-01 false Definitions. 328.2 Section 328.2 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) FISCAL SERVICE, DEPARTMENT..., and include, incorporated banks (i.e., banks doing a general commercial banking business...

Grameen Banks. Digest Number 97-6.

ERIC Educational Resources Information Center

Foote, Elizabeth

Grameen Banks are a model of successful support for the smallest businesses. The Grameen Bank began in 1976, when Muhammad Yunus, an economics professor at Chittagong University in southern Bangladesh, loaned Sufiya Khatun, a weaver of bamboo stools, $4 U.S. to buy supplies and raise her daily profit from 2 cents to $1.25. Her success prompted…

China Report, Economic Affairs.

DTIC Science & Technology

1987-03-23

Jan 87) ................ 49 FINANCE, BANKING Shanghai’s Role as Asian Financial Center (Gao Xiaoxiao; CHING-CHI TAO-PAO, No 47, 24 Nov 86) ..... 51 -b...Feb 87) ........................... 57 AGRICULTURE World Bank Loans Used for Soil Improvement (XINHUA, 19 Dec 86...redistribution, the transfer of industrial profits to non- industrial sectors, such as transportation, banking , and agriculture, is also possible

12 CFR 218.700 - Defined terms relating to the networking exception from the definition of “broker.”

Code of Federal Regulations, 2014 CFR

2014-01-01

... overall profitability or revenue of: (i) The bank, either on a stand-alone or consolidated basis; (ii) Any...) Such measure of overall profitability or revenue is only one of multiple factors or variables used to... variables that are not related to the profitability or revenue of the broker or dealer; (C) A referral made...

17 CFR 247.700 - Defined terms relating to the networking exception from the definition of “broker.”

Code of Federal Regulations, 2011 CFR

2011-04-01

... overall profitability or revenue of: (i) The bank, either on a stand-alone or consolidated basis; (ii) Any...) Such measure of overall profitability or revenue is only one of multiple factors or variables used to... variables that are not related to the profitability or revenue of the broker or dealer; (C) A referral made...

12 CFR 218.700 - Defined terms relating to the networking exception from the definition of “broker.”

Code of Federal Regulations, 2013 CFR

2013-01-01

... overall profitability or revenue of: (i) The bank, either on a stand-alone or consolidated basis; (ii) Any...) Such measure of overall profitability or revenue is only one of multiple factors or variables used to... variables that are not related to the profitability or revenue of the broker or dealer; (C) A referral made...

12 CFR 218.700 - Defined terms relating to the networking exception from the definition of “broker.”

Code of Federal Regulations, 2012 CFR

2012-01-01

... overall profitability or revenue of: (i) The bank, either on a stand-alone or consolidated basis; (ii) Any...) Such measure of overall profitability or revenue is only one of multiple factors or variables used to... variables that are not related to the profitability or revenue of the broker or dealer; (C) A referral made...

17 CFR 247.700 - Defined terms relating to the networking exception from the definition of “broker.”

Code of Federal Regulations, 2013 CFR

2013-04-01

... overall profitability or revenue of: (i) The bank, either on a stand-alone or consolidated basis; (ii) Any...) Such measure of overall profitability or revenue is only one of multiple factors or variables used to... variables that are not related to the profitability or revenue of the broker or dealer; (C) A referral made...

17 CFR 247.700 - Defined terms relating to the networking exception from the definition of “broker.”

Code of Federal Regulations, 2012 CFR

2012-04-01

... overall profitability or revenue of: (i) The bank, either on a stand-alone or consolidated basis; (ii) Any...) Such measure of overall profitability or revenue is only one of multiple factors or variables used to... variables that are not related to the profitability or revenue of the broker or dealer; (C) A referral made...

12 CFR 218.700 - Defined terms relating to the networking exception from the definition of “broker.”

Code of Federal Regulations, 2011 CFR

2011-01-01

... overall profitability or revenue of: (i) The bank, either on a stand-alone or consolidated basis; (ii) Any...) Such measure of overall profitability or revenue is only one of multiple factors or variables used to... variables that are not related to the profitability or revenue of the broker or dealer; (C) A referral made...

17 CFR 247.700 - Defined terms relating to the networking exception from the definition of “broker.”

Code of Federal Regulations, 2014 CFR

2014-04-01

... overall profitability or revenue of: (i) The bank, either on a stand-alone or consolidated basis; (ii) Any...) Such measure of overall profitability or revenue is only one of multiple factors or variables used to... variables that are not related to the profitability or revenue of the broker or dealer; (C) A referral made...

76 FR 35396 - Notice of Public Information Collection, Request for Comment on the Continued Use of the Partner...

Federal Register 2010, 2011, 2012, 2013, 2014

2011-06-17

... comments via: E-mail: [email protected] Mail: George Higginbotham, Management Policy Analyst... individuals and/or officers of for-profit and non-profit non-governmental organizations (NGOs) who apply for..., 2011. Lynn Winston, Division Chief, Information and Records Division, Office of Management Services...

Diminishing musyarakah investment model based on equity

NASA Astrophysics Data System (ADS)

Jaffar, Maheran Mohd; Zain, Shaharir Mohamad; Jemain, Abdul Aziz

2017-11-01

Most of the mudharabah and musyarakah contract funds are involved in debt financing. This does not support the theory that profit sharing contract is better than that of debt financing due to the sharing of risks and ownership of equity. Indeed, it is believed that Islamic banking is a financial model based on equity or musyarakah which emphasis on the sharing of risks, profit and loss in the investment between the investor and entrepreneur. The focus of this paper is to introduce the mathematical model that internalizes diminishing musyarakah, the sharing of profit and equity between entrepreneur and investor. The entrepreneur pays monthly-differed payment to buy out the equity that belongs to the investor (bank) where at the end of the specified period, the entrepreneur owns the business and the investor (bank) exits the joint venture. The model is able to calculate the amount of equity at any time for both parties and hence would be a guide in helping to estimate the value of investment should the entrepreneur or investor exit before the end of the specified period. The model is closer to the Islamic principles for justice and fairness.

12 CFR 585.10 - What does this part do?

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 5 2010-01-01 2010-01-01 false What does this part do? 585.10 Section 585.10 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY PROHIBITED SERVICE AT SAVINGS AND LOAN HOLDING COMPANIES § 585.10 What does this part do? This part implements section 19(e)(1) of...

Current status of semen banking in the USA.

PubMed

Critser, J K

1998-05-01

Anonymous donor sperm banking has been a fundamental aspect of reproductive medicine for several decades. In 1987, >170,000 women in the USA were treated for infertility using artificial insemination. Current estimates suggest that the number of women seeking treatment for infertility has increased markedly since that time; however, there are no accurate, updated data to indicate the magnitude of that increase. Most anonymous donor sperm banks in the USA can be categorized as one of three types based upon administrative structure: (i) physician practice based; (ii) hospital/clinic based; or (iii) commercial corporations. Of these it is estimated that the most common structures are the physician office and hospital/clinic based banks. However, the largest (i.e. those processing the most units) are the for-profit corporate banks. A survey conducted in 1989 found that there were at least 135 sperm banks operating in the USA. More recent information indicates the number of banks to be somewhere between 50 and 150. Guidelines for anonymous donor sperm banking practices have been established by the American Society for Reproductive Medicine and standards have been established by the American Association of Tissue Banks (AATB). The AATB has recently established an inspection and accreditation programme and six anonymous donor banks have been accredited in the last few years. It is anticipated that mandatory registration of all donor banks will be required by the FDA in the near future with mandatory inspection and accreditation to follow shortly thereafter.

Point-to-Point Club : An Elderly and Handicapped Service Based in Ardmore, Pennsylvania.

DOT National Transportation Integrated Search

1983-03-01

This report presents a preliminary assessment of the Point-to-Point Club, a division of a non-profit human services agency (Resources for Human Development), that provides door-through-door driver/escort service to elderly and handicapped (E&H) indiv...

12 CFR 911.3 - Prohibition on unauthorized use and disclosure of unpublished information.

Code of Federal Regulations, 2011 CFR

2011-01-01

... contract to provide services to the supervised entity or Bank member. (e) Government agencies. The Finance... control by any person, supervised entity, Bank member, government agency, or other entity of unpublished... as authorized in writing by the Finance Board, no person, supervised entity, Bank member, government...

76 FR 68466 - Agency Information Collection Activities: Submission for OMB Review; Comment Request

Federal Register 2010, 2011, 2012, 2013, 2014

2011-11-04

... (business or other for-profit and not-for-profit institutions) and Individuals; Number of Respondents: 68... Improvement Project Reporting Tools; Use: Section 1852e(1), (2), (3)(a)(i) of the Social Security Act and 42... measures required by the Center for Medicare and Medicaid Services (CMS), and reporting its performance to...

77 FR 68834 - Proposed Exemptions From Certain Prohibited Transaction Restrictions

Federal Register 2010, 2011, 2012, 2013, 2014

2012-11-16

...This document contains notices of pendency before the Department of Labor (the Department) of proposed exemptions from certain of the prohibited transaction restrictions of the Employee Retirement Income Security Act of 1974 (ERISA or the Act) and/or the Internal Revenue Code of 1986 (the Code). This notice includes the following proposed exemptions: D-11610, UBS Financial Services, Inc. D- 11666, Central Pacific Bank 401(k) Retirement and Savings Plan (the Plan); D-11672, Studley, Inc. Section 401(k) Plan Profit Sharing Plan (the Plan); and D-11724, EquiLend Holdings LLC (EquiLend).

12 CFR 205.14 - Electronic fund transfer service provider not holding consumer's account.

Code of Federal Regulations, 2010 CFR

2010-01-01

... consumer learns of the loss or theft; and extends the time periods for reporting unauthorized transfers or... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Electronic fund transfer service provider not... GOVERNORS OF THE FEDERAL RESERVE SYSTEM ELECTRONIC FUND TRANSFERS (REGULATION E) § 205.14 Electronic fund...

12 CFR 205.14 - Electronic fund transfer service provider not holding consumer's account.

Code of Federal Regulations, 2013 CFR

2013-01-01

... consumer learns of the loss or theft; and extends the time periods for reporting unauthorized transfers or... 12 Banks and Banking 2 2013-01-01 2013-01-01 false Electronic fund transfer service provider not... GOVERNORS OF THE FEDERAL RESERVE SYSTEM ELECTRONIC FUND TRANSFERS (REGULATION E) § 205.14 Electronic fund...

12 CFR 205.14 - Electronic fund transfer service provider not holding consumer's account.

Code of Federal Regulations, 2014 CFR

2014-01-01

... consumer learns of the loss or theft; and extends the time periods for reporting unauthorized transfers or... 12 Banks and Banking 2 2014-01-01 2014-01-01 false Electronic fund transfer service provider not... GOVERNORS OF THE FEDERAL RESERVE SYSTEM ELECTRONIC FUND TRANSFERS (REGULATION E) § 205.14 Electronic fund...

12 CFR 205.14 - Electronic fund transfer service provider not holding consumer's account.

Code of Federal Regulations, 2011 CFR

2011-01-01

... consumer learns of the loss or theft; and extends the time periods for reporting unauthorized transfers or... 12 Banks and Banking 2 2011-01-01 2011-01-01 false Electronic fund transfer service provider not... GOVERNORS OF THE FEDERAL RESERVE SYSTEM ELECTRONIC FUND TRANSFERS (REGULATION E) § 205.14 Electronic fund...

12 CFR 205.14 - Electronic fund transfer service provider not holding consumer's account.

Code of Federal Regulations, 2012 CFR

2012-01-01

... consumer learns of the loss or theft; and extends the time periods for reporting unauthorized transfers or... 12 Banks and Banking 2 2012-01-01 2012-01-01 false Electronic fund transfer service provider not... GOVERNORS OF THE FEDERAL RESERVE SYSTEM ELECTRONIC FUND TRANSFERS (REGULATION E) § 205.14 Electronic fund...

Grameen Bank`s experience with energy related microenterprise development

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

Barua, D.C.

1997-12-01

Increased population and growth of industry have resulted in greater demand for energy worldwide. Most of this energy is derived from fossil fuel (coal, gas, oil and nuclear) which will soon be depleted. In this context the need for developing renewable sources of energy has taken on a greater sense of importance and urgency. Over the years significant technological advances have been made in the area of renewable energies especially in the field of solar photovoltaics (PV), wind energy and bio-gas technology. In addition, for remote rural areas where there exists no infrastructure for conventional energy supply, these forms ofmore » decentralized alternative energy systems will be far more adaptable and well suited. Grameen Shakti (Energy) is an addition to the family of companies of Grameen Bank, to promote and supply renewable energy sources to rural households. GS, a not-for-profit company, expects not only to supply renewable energy services, but also to create employment and income generation opportunities in rural Bangladesh. GS will focus on supply, marketing, sales, testing and development of renewable energy systems of solar pv, biogas, wind turbines and windpumps.« less

The relationship of hospital ownership and service composition to hospital charges

PubMed Central

Eskoz, Robin; Peddecord, K. Michael

1985-01-01

The relationship of hospital ownership and service composition to hospital charges was examined for 456 general acute hospitals in California. Ancillary services had higher profit margins, both gross and net profits, than daily hospital services. Ancillary services accounted for 55.3 percent of total patient revenue. Charges per day were 23 percent higher for ancillary services than for daily hospital services. Net profits for daily and ancillary services were lowest at county hospitals. Proprietary hospitals had the highest net profits for total ancillary services and the highest mean charges. Not-for-profit hospitals had the highest profit margins for daily hospital services. Neither direct nor total costs for ancillary services were significantly different among ownership groups, although direct costs for daily hospital services were significantly higher at proprietary hospitals. PMID:10311161

Companies and the customers who hate them.

PubMed

McGovern, Gail; Moon, Youngme

2007-06-01

Why do companies bind customers with contracts, bleed them with fees, and baffle them with fine print? Because bewildered customers, who often make bad purchasing decisions, can be highly profitable. Most firms that profit from customers' confusion are on a slippery slope. Over time, their customer-centric strategies for delivering value have evolved into company-centric strategies for extracting it. Not surprisingly, when a rival comes along with a friendlier alternative, customers defect. Adversarial value-extracting strategies are common in such industries as cell phone service, retail banking, and health clubs. Overly complex product and pricing options, for example, may have been designed to serve various segments. But in fact they take advantage of how difficult it is for customers to predict their needs (such as how many cell phone minutes they'll use each month) and make it hard for them to choose the right product. Similarly, penalties and fees, which may have been instituted to offset the costs of undesirable customer behavior, like bouncing checks, turn out to be very profitable. As a result, companies have no incentive to help customers avoid them. Tactics like these generate bad publicity and fuel customer defections, creating opportunities for competitors. Virgin Mobile USA, for example, has lured millions of angry cell phone customers away from the incumbents by offering a straightforward plan with no hidden fees, no time-of-day restrictions, and no contracts. ING Direct, now the fourth-largest thrift bank in the United States, offers accounts with no fees, no tiered interest rates, and no minimums. In industries where squeezing value from customers is commonplace, companies that dismantle these harmful practices and design a transparent, value-creating offer can head off customer retaliation and spur rapid growth.

Umbilical cord blood banks. Ethical aspects. Public versus private banks.

PubMed

Aznar Lucea, Justo

2012-01-01

The creation of umbilical cord blood (UCB) banks raises interesting medical, social, economic and ethical issues. This paper reviews the ethical problems specifically. In this respect, it evaluates: a) whether there are advantages to the use of UCB compared to bone marrow, b) whether or not it is ethical to create UCB banks, c) whether their creation is ethically acceptable in terms of their clinical usefulness or d) the use made of them for therapeutic purposes, and finally e) whether their creation is ethically justified from a cost/profitability point of view. We focus primarily on evaluating the ethical controversy between public and private banks, particularly on whether it is ethical to bank autologous blood in private UCB banks, on the basis of its limited possibilities for use by the cord blood donor. We can conclude that, from an ethical point of view, autologous blood banks have limited acceptance among specialised researchers, scientific societies and other public institutions. Therefore, we believe that it is ethically more acceptable to support the creation of public UCB banks for medical and social reasons and, above all, based on the principle of justice and human solidarity. Nevertheless, there is no definitive ethical argument why a couple, according to their autonomy and freedom, cannot bank their child's UCB in a private bank. An equally acceptable solution could be the creation of mixed banks, such as that proposed by the Virgin Health Bank or like the Spanish system where autologous samples can be stored in public banks but with the proviso that if at any time the stored sample is required by any person other than the donor, it would have to be given to them.

12 CFR Appendix F to Part 225 - Interagency Guidelines Establishing Information Security Standards

Code of Federal Regulations, 2013 CFR

2013-01-01

... arrangements in place to control risks. C. Manage and Control Risk. Each bank holding company shall: 1. Design... GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED) BANK HOLDING COMPANIES AND CHANGE IN BANK CONTROL.... Assess Risk C. Manage and Control Risk D. Oversee Service Provider Arrangements E. Adjust the Program F...

Perestroika: The End Game

DTIC Science & Technology

1990-04-09

private property, the nationalization of banks and major industries, and the development of the Cherezvychainaya Komissiya (Cheka), the forerunner of...profit through private ownership of peasant farms--although the State retained control over such key areas as banking , transportation, heavy industry and...States would be the ൕth member" That, it is believed on the banks of the Seine, could radically change the nature of the EEC.69 Kovalenko goes on

2007 National Money Laundering Strategy

DTIC Science & Technology

2007-03-16

Guard. 19 APPENDIX A A P P E N D I X A U.S. Money Launder ng Threat Assessment by financial institutions, such as SARs. Each of these is admittedly...Money Launder ng Threat Assessment Chapter 1 BANkING Banks and other depository financial institutions in the United States are unique in that they alone...Committee on Financial Services Subcommittee on Oversight and Investigations, May 26, 2005. 2 APPENDIX A A P P E N D I X A U.S. Money Launder ng

7 CFR 1955.117 - Processing credit sales on program terms (housing).

Code of Federal Regulations, 2014 CFR

2014-01-01

.... For MFH credit sales to profit or limited profit buyers, any excess earnest money deposit will be... HOUSING SERVICE, RURAL BUSINESS-COOPERATIVE SERVICE, RURAL UTILITIES SERVICE, AND FARM SERVICE AGENCY.... However, if a profit or limited profit applicant desires to earn a return, the applicant will be required...

7 CFR 1955.117 - Processing credit sales on program terms (housing).

Code of Federal Regulations, 2012 CFR

2012-01-01

.... For MFH credit sales to profit or limited profit buyers, any excess earnest money deposit will be... HOUSING SERVICE, RURAL BUSINESS-COOPERATIVE SERVICE, RURAL UTILITIES SERVICE, AND FARM SERVICE AGENCY.... However, if a profit or limited profit applicant desires to earn a return, the applicant will be required...

7 CFR 1955.117 - Processing credit sales on program terms (housing).

Code of Federal Regulations, 2011 CFR

2011-01-01

.... For MFH credit sales to profit or limited profit buyers, any excess earnest money deposit will be... HOUSING SERVICE, RURAL BUSINESS-COOPERATIVE SERVICE, RURAL UTILITIES SERVICE, AND FARM SERVICE AGENCY.... However, if a profit or limited profit applicant desires to earn a return, the applicant will be required...

7 CFR 1955.117 - Processing credit sales on program terms (housing).

Code of Federal Regulations, 2013 CFR

2013-01-01

.... For MFH credit sales to profit or limited profit buyers, any excess earnest money deposit will be... HOUSING SERVICE, RURAL BUSINESS-COOPERATIVE SERVICE, RURAL UTILITIES SERVICE, AND FARM SERVICE AGENCY.... However, if a profit or limited profit applicant desires to earn a return, the applicant will be required...

7 CFR 1955.117 - Processing credit sales on program terms (housing).

Code of Federal Regulations, 2010 CFR

2010-01-01

.... For MFH credit sales to profit or limited profit buyers, any excess earnest money deposit will be... HOUSING SERVICE, RURAL BUSINESS-COOPERATIVE SERVICE, RURAL UTILITIES SERVICE, AND FARM SERVICE AGENCY.... However, if a profit or limited profit applicant desires to earn a return, the applicant will be required...

12 CFR Appendix F to Part 225 - Interagency Guidelines Establishing Information Security Standards

Code of Federal Regulations, 2011 CFR

2011-01-01

... arrangements in place to control risks. C. Manage and Control Risk. Each bank holding company shall: 1. Design... GOVERNORS OF THE FEDERAL RESERVE SYSTEM BANK HOLDING COMPANIES AND CHANGE IN BANK CONTROL (REGULATION Y) Pt.... Assess Risk C. Manage and Control Risk D. Oversee Service Provider Arrangements E. Adjust the Program F...

Service first puts hospital in touch. Interview by Donald E.L. Johnson.

PubMed

Weseli, R W

1990-07-01

Good Samaritan Hospital, an 82-bed institution in Cincinnati, Ohio, won the 1989 Award of Excellence of the International Customer Service Association (ICSA), a non-profit organization dedicated to developing customer service. In the following interview with Health Care Strategic Management's publisher, Donald E.L. Johnson, Roger W. Weseli, Good Samaritan's CEO discusses the guest relations and service first programs that have changed his institution and earned it recognition as the first hospital to win the ICSA non-manufacturing group award.

12 CFR 1805.301 - Eligible activities.

Code of Federal Regulations, 2010 CFR

2010-01-01

...-Income persons; (c) Community Facilities; (d) The provision of Financial Services; (e) Housing that is... Banks and Banking COMMUNITY DEVELOPMENT FINANCIAL INSTITUTIONS FUND, DEPARTMENT OF THE TREASURY COMMUNITY DEVELOPMENT FINANCIAL INSTITUTIONS PROGRAM Use of Funds/Eligible Activities § 1805.301 Eligible...

Three-year financial analysis of pharmacy services at an independent community pharmacy.

PubMed

Doucette, William R; McDonough, Randal P; Mormann, Megan M; Vaschevici, Renata; Urmie, Julie M; Patterson, Brandon J

2012-01-01

To assess the financial performance of pharmacy services including vaccinations, cholesterol screenings, medication therapy management (MTM), adherence management services, employee health fairs, and compounding services provided by an independent community pharmacy. Three years (2008-10) of pharmacy records were examined to determine the total revenue and costs of each service. Costs included products, materials, labor, marketing, overhead, equipment, reference materials, and fax/phone usage. Costs were allocated to each service using accepted principles (e.g., time for labor). Depending on the service, the total revenue was calculated by multiplying the frequency of the service by the revenue per patient or by adding the total revenue received. A sensitivity analysis was conducted for the adherence management services to account for average dispensing net profit. 7 of 11 pharmacy services showed a net profit each year. Those services include influenza and herpes zoster immunization services, MTM, two adherence management services, employee health fairs, and prescription compounding services. The services that realized a net loss included the pneumococcal immunization service, cholesterol screenings, and two adherence management services. The sensitivity analysis showed that all adherence services had a net gain when average dispensing net profit was included. Most of the pharmacist services had an annual positive net gain. It seems likely that these services can be sustained. Further cost management, such as reducing labor costs, could improve the viability of services with net losses. However, even with greater efficiency, external factors such as competition and reimbursement challenge the sustainability of these services.

Subfield profitability analysis reveals an economic case for cropland diversification

NASA Astrophysics Data System (ADS)

Brandes, E.; McNunn, G. S.; Schulte, L. A.; Bonner, I. J.; Muth, D. J.; Babcock, B. A.; Sharma, B.; Heaton, E. A.

2016-01-01

Public agencies and private enterprises increasingly desire to achieve ecosystem service outcomes in agricultural systems, but are limited by perceived conflicts between economic and ecosystem service goals and a lack of tools enabling effective operational management. Here we use Iowa—an agriculturally homogeneous state representative of the Maize Belt—to demonstrate an economic rationale for cropland diversification at the subfield scale. We used a novel computational framework that integrates disparate but publicly available data to map ˜3.3 million unique potential management polygons (9.3 Mha) and reveal subfield opportunities to increase overall field profitability. We analyzed subfield profitability for maize/soybean fields during 2010-2013—four of the most profitable years in recent history—and projected results for 2015. While cropland operating at a loss of US 250 ha-1 or more was negligible between 2010 and 2013 at 18 000-190 000 ha (<2% of row-crop land), the extent of highly unprofitable land increased to 2.5 Mha, or 27% of row-crop land, in the 2015 projection. Aggregation of these areas to the township level revealed ‘hotspots’ for potential management change in Western, Central, and Northeast Iowa. In these least profitable areas, incorporating conservation management that breaks even (e.g., planting low-input perennials), into low-yielding portions of fields could increase overall cropland profitability by 80%. This approach is applicable to the broader region and differs substantially from the status quo of ‘top-down’ land management for conservation by harnessing private interest to align profitability with the production of ecosystem services.

26 CFR 1.593-1 - Additions to reserve for bad debts.

Code of Federal Regulations, 2010 CFR

2010-04-01

... TAX (CONTINUED) INCOME TAXES (CONTINUED) Mutual Savings Banks, Etc. § 1.593-1 Additions to reserve for bad debts. (a) In general. A mutual savings bank not having capital stock represented by shares, a... for mutual purposes and without profit may, as an alternative to a deduction from gross income under...

26 CFR 1.593-1 - Additions to reserve for bad debts.

Code of Federal Regulations, 2011 CFR

2011-04-01

... TAX (CONTINUED) INCOME TAXES (CONTINUED) Mutual Savings Banks, Etc. § 1.593-1 Additions to reserve for bad debts. (a) In general. A mutual savings bank not having capital stock represented by shares, a... for mutual purposes and without profit may, as an alternative to a deduction from gross income under...

A Community Information Network.

ERIC Educational Resources Information Center

Consumers' Association of Canada, Ottawa (Ontario).

The possibility of creating in Canada a non-profit community information network (a set of linked data banks containing information for use by the general public) should be explored. A network to link together a set of data banks containing information for general public use would have the following merits: (1) By its effect on household…

48 CFR 538.7002 - General.

Code of Federal Regulations, 2011 CFR

2011-10-01

... District of Columbia, and Qualified Non-profit Agencies. (b) Section 211 of the E-Government Act of 2002... Administrator of General Services to provide for the use by state or local governments of Federal Supply... 538.7002 Federal Acquisition Regulations System GENERAL SERVICES ADMINISTRATION SPECIAL CATEGORIES OF...

32 CFR 50.3 - Definitions.

Code of Federal Regulations, 2011 CFR

2011-07-01

... private business or trade. Securities. Mutual funds, stocks, bonds, or any product registered with the... fund employees and special Government employees, of the Department of Defense. Financial services... banking (e.g., ATMs), in-store banking, checking, share and savings accounts, fund transfers, sale of...

32 CFR 50.3 - Definitions.

Code of Federal Regulations, 2010 CFR

2010-07-01

... private business or trade. Securities. Mutual funds, stocks, bonds, or any product registered with the... fund employees and special Government employees, of the Department of Defense. Financial services... banking (e.g., ATMs), in-store banking, checking, share and savings accounts, fund transfers, sale of...

7 CFR 1902.1 - General.

Code of Federal Regulations, 2013 CFR

2013-01-01

... accounting systems; e.g., Program Loan Accounting System, Automated Multi-Housing Accounting System, and... Regulations of the Department of Agriculture (Continued) RURAL HOUSING SERVICE, RURAL BUSINESS-COOPERATIVE... SUPERVISED BANK ACCOUNTS Supervised Bank Accounts of Loan, Grant, and Other Funds § 1902.1 General. This...

7 CFR 1902.1 - General.

Code of Federal Regulations, 2014 CFR

2014-01-01

... accounting systems; e.g., Program Loan Accounting System, Automated Multi-Housing Accounting System, and... of the Department of Agriculture (Continued) RURAL HOUSING SERVICE, RURAL BUSINESS-COOPERATIVE... SUPERVISED BANK ACCOUNTS Supervised Bank Accounts of Loan, Grant, and Other Funds § 1902.1 General. This...

7 CFR 1902.1 - General.

Code of Federal Regulations, 2011 CFR

2011-01-01

... accounting systems; e.g., Program Loan Accounting System, Automated Multi-Housing Accounting System, and... Regulations of the Department of Agriculture (Continued) RURAL HOUSING SERVICE, RURAL BUSINESS-COOPERATIVE... SUPERVISED BANK ACCOUNTS Supervised Bank Accounts of Loan, Grant, and Other Funds § 1902.1 General. This...

7 CFR 1902.1 - General.

Code of Federal Regulations, 2012 CFR

2012-01-01

... accounting systems; e.g., Program Loan Accounting System, Automated Multi-Housing Accounting System, and... Regulations of the Department of Agriculture (Continued) RURAL HOUSING SERVICE, RURAL BUSINESS-COOPERATIVE... SUPERVISED BANK ACCOUNTS Supervised Bank Accounts of Loan, Grant, and Other Funds § 1902.1 General. This...

The effect of for-profit laboratories on the accountability, integration, and cost of Canadian health care services.

PubMed

Sutherland, Ross

2012-01-01

Canadian public health care systems pay for-profit corporations to provide essential medical laboratory services. This practice is a useful window on the effects of using for-profit corporations to provide publicly funded services. Because private corporations are substantially protected by law from the public disclosure of "confidential business information," increased for-profit delivery has led to decreased transparency, thus impeding informed debate on how laboratory services are delivered. Using for-profit laboratories increases the cost of diagnostic testing and hinders the integration of health care services more generally. Two useful steps toward ending the for-profit provision of laboratory services would be to stop fee-for-service funding and to integrate all laboratory work within public administrative structures.

Rural Hospital Ownership: Medical Service Provision, Market Mix, and Spillover Effects

PubMed Central

Horwitz, Jill R; Nichols, Austin

2011-01-01

Objective To test whether nonprofit, for-profit, or government hospital ownership affects medical service provision in rural hospital markets, either directly or through the spillover effects of ownership mix. Data Sources/Study Setting Data are from the American Hospital Association, U.S. Census, CMS Healthcare Cost Report Information System and Prospective Payment System Minimum Data File, and primary data collection for geographic coordinates. The sample includes all nonfederal, general medical, and surgical hospitals located outside of metropolitan statistical areas and within the continental United States from 1988 to 2005. Study Design We estimate multivariate regression models to examine the effects of (1) hospital ownership and (2) hospital ownership mix within rural hospital markets on profitable versus unprofitable medical service offerings. Principal Findings Rural nonprofit hospitals are more likely than for-profit hospitals to offer unprofitable services, many of which are underprovided services. Nonprofits respond less than for-profits to changes in service profitability. Nonprofits with more for-profit competitors offer more profitable services and fewer unprofitable services than those with fewer for-profit competitors. Conclusions Rural hospital ownership affects medical service provision at the hospital and market levels. Nonprofit hospital regulation should reflect both the direct and spillover effects of ownership. PMID:21639860

Rural hospital ownership: medical service provision, market mix, and spillover effects.

PubMed

Horwitz, Jill R; Nichols, Austin

2011-10-01

To test whether nonprofit, for-profit, or government hospital ownership affects medical service provision in rural hospital markets, either directly or through the spillover effects of ownership mix. Data are from the American Hospital Association, U.S. Census, CMS Healthcare Cost Report Information System and Prospective Payment System Minimum Data File, and primary data collection for geographic coordinates. The sample includes all nonfederal, general medical, and surgical hospitals located outside of metropolitan statistical areas and within the continental United States from 1988 to 2005. We estimate multivariate regression models to examine the effects of (1) hospital ownership and (2) hospital ownership mix within rural hospital markets on profitable versus unprofitable medical service offerings. Rural nonprofit hospitals are more likely than for-profit hospitals to offer unprofitable services, many of which are underprovided services. Nonprofits respond less than for-profits to changes in service profitability. Nonprofits with more for-profit competitors offer more profitable services and fewer unprofitable services than those with fewer for-profit competitors. Rural hospital ownership affects medical service provision at the hospital and market levels. Nonprofit hospital regulation should reflect both the direct and spillover effects of ownership. © Health Research and Educational Trust.

search GenBank: interactive orchestration and ad-hoc choreography of Web services in the exploration of the biomedical resources of the National Center For Biotechnology Information

PubMed Central

2013-01-01

Background Due to the growing number of biomedical entries in data repositories of the National Center for Biotechnology Information (NCBI), it is difficult to collect, manage and process all of these entries in one place by third-party software developers without significant investment in hardware and software infrastructure, its maintenance and administration. Web services allow development of software applications that integrate in one place the functionality and processing logic of distributed software components, without integrating the components themselves and without integrating the resources to which they have access. This is achieved by appropriate orchestration or choreography of available Web services and their shared functions. After the successful application of Web services in the business sector, this technology can now be used to build composite software tools that are oriented towards biomedical data processing. Results We have developed a new tool for efficient and dynamic data exploration in GenBank and other NCBI databases. A dedicated search GenBank system makes use of NCBI Web services and a package of Entrez Programming Utilities (eUtils) in order to provide extended searching capabilities in NCBI data repositories. In search GenBank users can use one of the three exploration paths: simple data searching based on the specified user’s query, advanced data searching based on the specified user’s query, and advanced data exploration with the use of macros. search GenBank orchestrates calls of particular tools available through the NCBI Web service providing requested functionality, while users interactively browse selected records in search GenBank and traverse between NCBI databases using available links. On the other hand, by building macros in the advanced data exploration mode, users create choreographies of eUtils calls, which can lead to the automatic discovery of related data in the specified databases. Conclusions search GenBank extends standard capabilities of the NCBI Entrez search engine in querying biomedical databases. The possibility of creating and saving macros in the search GenBank is a unique feature and has a great potential. The potential will further grow in the future with the increasing density of networks of relationships between data stored in particular databases. search GenBank is available for public use at http://sgb.biotools.pl/. PMID:23452691

search GenBank: interactive orchestration and ad-hoc choreography of Web services in the exploration of the biomedical resources of the National Center For Biotechnology Information.

PubMed

Mrozek, Dariusz; Małysiak-Mrozek, Bożena; Siążnik, Artur

2013-03-01

Due to the growing number of biomedical entries in data repositories of the National Center for Biotechnology Information (NCBI), it is difficult to collect, manage and process all of these entries in one place by third-party software developers without significant investment in hardware and software infrastructure, its maintenance and administration. Web services allow development of software applications that integrate in one place the functionality and processing logic of distributed software components, without integrating the components themselves and without integrating the resources to which they have access. This is achieved by appropriate orchestration or choreography of available Web services and their shared functions. After the successful application of Web services in the business sector, this technology can now be used to build composite software tools that are oriented towards biomedical data processing. We have developed a new tool for efficient and dynamic data exploration in GenBank and other NCBI databases. A dedicated search GenBank system makes use of NCBI Web services and a package of Entrez Programming Utilities (eUtils) in order to provide extended searching capabilities in NCBI data repositories. In search GenBank users can use one of the three exploration paths: simple data searching based on the specified user's query, advanced data searching based on the specified user's query, and advanced data exploration with the use of macros. search GenBank orchestrates calls of particular tools available through the NCBI Web service providing requested functionality, while users interactively browse selected records in search GenBank and traverse between NCBI databases using available links. On the other hand, by building macros in the advanced data exploration mode, users create choreographies of eUtils calls, which can lead to the automatic discovery of related data in the specified databases. search GenBank extends standard capabilities of the NCBI Entrez search engine in querying biomedical databases. The possibility of creating and saving macros in the search GenBank is a unique feature and has a great potential. The potential will further grow in the future with the increasing density of networks of relationships between data stored in particular databases. search GenBank is available for public use at http://sgb.biotools.pl/.

Incorporating threat in hotspots and coldspots of biodiversity and ecosystem services.

PubMed

Schröter, Matthias; Kraemer, Roland; Ceauşu, Silvia; Rusch, Graciela M

2017-11-01

Spatial prioritization could help target conservation actions directed to maintain both biodiversity and ecosystem services. We delineate hotspots and coldspots of two biodiversity conservation features and five regulating and cultural services by incorporating an indicator of 'threat', i.e. timber harvest profitability for forest areas in Telemark (Norway). We found hotspots, where high values of biodiversity, ecosystem services and threat coincide, ranging from 0.1 to 7.1% of the area, depending on varying threshold levels. Targeting of these areas for conservation follows reactive conservation approaches. In coldspots, high biodiversity and ecosystem service values coincide with low levels of threat, and cover 0.1-3.4% of the forest area. These areas might serve proactive conservation approaches at lower opportunity cost (foregone timber harvest profits). We conclude that a combination of indicators of biodiversity, ecosystem services and potential threat is an appropriate approach for spatial prioritization of proactive and reactive conservation strategies.

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

Straight Talk on Student Loans. Research & Occasional Paper Series: CSHE.10.04

ERIC Educational Resources Information Center

Shireman, Robert

2004-01-01

The federal government provides student loans for college and graduate school in two ways: by guaranteeing bank loans, and by lending directly to students. In the guaranteed loan program, banks lend students money and profit from the interest payments while the government guarantees the loans against default and makes subsidy payments to the…

12 CFR 1005.7 - Initial disclosures.

Code of Federal Regulations, 2012 CFR

2012-01-01

... disclosures required by this section at the time a consumer contracts for an electronic fund transfer service or before the first electronic fund transfer is made involving the consumer's account. (b) Content of... Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION ELECTRONIC FUND TRANSFERS (REGULATION E...

76 FR 30715 - Information Collection Being Reviewed by the Federal Communications Commission

Federal Register 2010, 2011, 2012, 2013, 2014

2011-05-26

... technology; and (e) ways to further reduce the information collection burden on small business concerns with...: Business or other for-profit. Number of Respondents and Responses: 48 respondents; 63 responses. Estimated... designed to capture trends in service quality under price cap regulation. It provides service quality...

Development potential of e-waste recycling industry in China.

PubMed

Li, Jinhui; Yang, Jie; Liu, Lili

2015-06-01

Waste electrical and electronic equipment (WEEE or e-waste) recycling industries in China have been through several phases from spontaneous informal family workshops to qualified enterprises with treatment fund. This study attempts to analyse the development potential of the e-waste recycling industry in China from the perspective of both time and scale potential. An estimation and forecast of e-waste quantities in China shows that, the total e-waste amount reached approximately 5.5 million tonnes in 2013, with 83% of air conditioners, refrigerators, washing machines, televisions sand computers. The total quantity is expected to reach ca. 11.7 million tonnes in 2020 and 20 million tonnes in 2040, which indicates a large increase potential. Moreover, the demand for recycling processing facilities, the optimal service radius of e-waste recycling enterprises and estimation of the profitability potential of the e-waste recycling industry were analysed. Results show that, based on the e-waste collection demand, e-waste recycling enterprises therefore have a huge development potential in terms of both quantity and processing capacity, with 144 and 167 e-waste recycling facilities needed, respectively, by 2020 and 2040. In the case that e-waste recycling enterprises set up their own collection points to reduce the collection cost, the optimal collection service radius is estimated to be in the range of 173 km to 239 km. With an e-waste treatment fund subsidy, the e-waste recycling industry has a small economic profit, for example ca. US$2.5/unit for television. The annual profit for the e-waste recycling industry overall was about 90 million dollars in 2013. © The Author(s) 2015.

A dynamic model of functioning of a bank

NASA Astrophysics Data System (ADS)

Malafeyev, Oleg; Awasthi, Achal; Zaitseva, Irina; Rezenkov, Denis; Bogdanova, Svetlana

2018-04-01

In this paper, we analyze dynamic programming as a novel approach to solve the problem of maximizing the profits of a bank. The mathematical model of the problem and the description of bank's work is described in this paper. The problem is then approached using the method of dynamic programming. Dynamic programming makes sure that the solutions obtained are globally optimal and numerically stable. The optimization process is set up as a discrete multi-stage decision process and solved with the help of dynamic programming.

Agent-Based Model Approach to Complex Phenomena in Real Economy

NASA Astrophysics Data System (ADS)

Iyetomi, H.; Aoyama, H.; Fujiwara, Y.; Ikeda, Y.; Souma, W.

An agent-based model for firms' dynamics is developed. The model consists of firm agents with identical characteristic parameters and a bank agent. Dynamics of those agents are described by their balance sheets. Each firm tries to maximize its expected profit with possible risks in market. Infinite growth of a firm directed by the ``profit maximization" principle is suppressed by a concept of ``going concern". Possibility of bankruptcy of firms is also introduced by incorporating a retardation effect of information on firms' decision. The firms, mutually interacting through the monopolistic bank, become heterogeneous in the course of temporal evolution. Statistical properties of firms' dynamics obtained by simulations based on the model are discussed in light of observations in the real economy.

Differences in drug treatment services based on profit status.

PubMed

Montoya, Isaac D

2006-09-01

The goal of this article is to examine whether profit status affects the provision of seven "core" drug treatment services and nine "auxiliary" treatment services. Data on the type of services provided by 8,606 treatment providers obtained from the National Survey of Substance Abuse Treatment Services (N-SSATS) collected by the Substance Abuse and Mental Health Services Administration (SAMHSA) in 2000 were used for this study. The types of services offered by the providers were modeled to be a function of the drug treatment providers' (DTP) profit status, DTP organizational and financial characteristics, staff's characteristics, clients' characteristics, and regional variables. A total of 16 logistic regressions were estimated. For-profit DTPs were found to be more likely to offer only two core services and were less likely to offer eight auxiliary services. However, after correcting for sample selection bias many differences in the supply of services between for-profit and nonprofit providers disappeared.

12 CFR 218.700 - Defined terms relating to the networking exception from the definition of “broker.”

Code of Federal Regulations, 2010 CFR

2010-01-01

... whether the referral results in a purchase or sale of a security; whether an account is opened with a... overall profitability or revenue of: (i) The bank, either on a stand-alone or consolidated basis; (ii) Any...) Such measure of overall profitability or revenue is only one of multiple factors or variables used to...

17 CFR 247.700 - Defined terms relating to the networking exception from the definition of “broker.”

Code of Federal Regulations, 2010 CFR

2010-04-01

... dependent on whether the referral results in a purchase or sale of a security; whether an account is opened... overall profitability or revenue of: (i) The bank, either on a stand-alone or consolidated basis; (ii) Any...) Such measure of overall profitability or revenue is only one of multiple factors or variables used to...

Capitation of public mental health services in Colorado: a five-year follow-up of system-level effects.

PubMed

Bloom, Joan R; Wang, Huihui; Kang, Soo Hyang; Wallace, Neal T; Hyun, Jenny K; Hu, Teh-wei

2011-02-01

Capitated Medicaid mental health programs have reduced costs over the short term by lowering the utilization of high-cost inpatient services. This study examined the five-year effects of capitated financing in community mental health centers (CMHCs) by comparing not-for-profit with for-profit programs. Data were from the Medicaid billing system in Colorado for the precapitation year (1994) and a shadow billing system for the postcapitation years (1995-1999). In a panel design, a random-effect approach estimated the impact of two financing systems on service utilization and cost while adjusting for all the covariates. Consistent with predictions, in both the for-profit and the not-for-profit CMHCs, relative to the precapitation year, there were significant reductions in each postcapitation year in high-cost treatments (inpatient treatment) for all but one comparison (not-for-profit CMHCs in 1999). Also consistent with predictions, the for-profit programs realized significant reductions in cost per user for both outpatient services and total services. In the not-for-profit programs, there were no significant changes in cost per user for total services; a significant reduction in cost per user for outpatient services was found only in the first two years, 1995 and 1996). The evidence suggests that different strategies were used by the not-for-profit and for-profit programs to control expenditures and utilization and that the for-profit programs were more successful in reducing cost per user.

The Second Annual Report of the Student Loan Marketing Association to the Congress of the United States.

ERIC Educational Resources Information Center

Student Loan Marketing Association, Washington, DC.

The Student Loan Marketing Association ("Sallie Mae") is a government sponsored, private, for profit corporation, created in June 23, 1972, by the enactment of Section 439 of the Higher Education Act of 1965, as amended. Sallie Mae provides liquidity to commercial banks, savings and loan associations, mutual savings banks, credit unions,…

DNA banking and DNA databanking by academic and commercial laboratories

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

McEwen, J.E.; Reilly, P.R.

The advent of DNA-based testing is giving rise to DNA banking (the long-term storage of cells, transformed cell lines, or extracted DNA for subsequent retrieval and analysis) and DNA data banking (the indefinite storage of information derived from DNA analysis). Large scale acquisition and storage of DNA and DNA data has important implications for the privacy rights of individuals. A survey of 148 academically based and commercial DNA diagnostic laboratories was conducted to determine: (1) the extent of their DNA banking activities; (2) their policies and experiences regarding access to DNA samples and data; (3) the quality assurance measures theymore » employ; and (4) whether they have written policies and/or depositor`s agreements addressing specific issues. These issues include: (1) who may have access to DNA samples and data; (2) whether scientists may have access to anonymous samples or data for research use; (3) whether they have plans to contact depositors or retest samples if improved tests for a disorder become available; (4) disposition of samples at the end of the contract period if the laboratory ceases operations, if storage fees are unpaid, or after a death or divorce; (5) the consequence of unauthorized release, loss, or accidental destruction of samples; and (6) whether depositors may share in profits from the commercialization of tests or treatments developed in part from studies of stored DNA. The results suggest that many laboratories are banking DNA, that many have already amassed a large number of samples, and that a significant number plan to further develop DNA banking as a laboratory service over the next two years. Few laboratories have developed written policies governing DNA banking, and fewer still have drafted documents that define the rights and obligations of the parties. There may be a need for increased regulation of DNA banking and DNA data banking and for better defined policies with respect to protecting individual privacy.« less

Develop 3G Application with The J2ME SATSA API

NASA Astrophysics Data System (ADS)

JunWu, Xu; JunLing, Liang

This paper describes research in the use of the Security and Trust Services API for J2ME (SATSA) to develop mobile applications. for 3G networks. SATSA defines a set of APIs that allows J2ME applications to communicate with and access functionality, secure storage and cryptographic operations provided by security elements such as smart cards and Wireless Identification Modules (WIM). A Java Card application could also work as an authentication module in a J2ME-based e-bank application. The e-bank application would allow its users to access their bank accounts using their cell phones.

On the Origin of Intermediary E-Government Services

NASA Astrophysics Data System (ADS)

Arendsen, Rex; Ter Hedde, Marc J.

The majority of SME’s tends to outsource administrative tasks, including their direct relationships with the (electronic) government. Commercial intermediary service providers therefore have to be part of governmental multi channel e-service delivery strategies. This research paper explores the origin, added value and future position of these intermediary organisations with respect to the delivery of e-government services to businesses. Results indicate that (re-)intermediation is more likely to occur within this context than disintermediation is. SME’s do not want to be captured within a non-profitable electronic hierarchical relationship with a governmental organisation. The empirical study on the impact of the legal obligation of the use of e-tax services illustrates that SME’s instead prefer the ‘save haven’ of a commercial relationship with an intermediary service provider. Thus creating and fuelling a new market of intermediary e-government services.

Cryptanalysis of an inter-bank E-payment protocol based on quantum proxy blind signature

NASA Astrophysics Data System (ADS)

Cai, Xiao-Qiu; Wei, Chun-Yan

2013-04-01

We analyze the security of an inter-bank E-payment protocol based on quantum proxy blind signature, and find that there is a security leak in the quantum channels of this protocol, which gives a chance for an outside opponent to launch a special denial-of-service attack. Furthermore, we show that the dishonest merchant can succeed to change the purchase information of the customer in this protocol.

Business on hope: a case study on private cord blood stem cell banking.

PubMed

Kiatpongsan, Sorapop

2008-04-01

Traditionally, medical practice has been recognized as one of the professional practices with high honors. The interaction between physicians and patients is to provide health care services without the profit orientation. In modernized economy and in today's world of business, the relationship between doctors and patients has been dramatically changed. This transformation is very obvious in the private sector. Health care providers sell their services. Patients have been approached as customers. Decisions to make an investment on new medical technologies or new services would accompany with careful consideration on cost-benefit ratio, on marketing and also on short and long term return of the investment. However most of the medical services available in the past were focusing on the "real" and "tangible" products. This means that the patients or the customers would obtain diagnosis, treatment, palliation or prevention for the fees they paid. They can at least obtain and can feel some direct or indirect health benefits from the services. With the advancement of science and technology, there is recently a new model of business that sells only the hope for future use. Private cord blood stem cell banking is a good example for this business model. Actually, business on hope is not the brand new business model. Insurance is a well-known classical prototype of business on hope. However, when this kind of business model is applied for medical services, there should be some precautions and also intervention including an oversight system from the government sector to make sure that all the information delivered to the clients and family is accurate and unbiased. From the public policy perspective, this business of hope should be appropriately regulated to preserve consumer rights while promoting the advancement of science and technology through sustainable business development.

12 CFR 5.30 - Establishment, acquisition, and relocation of a branch.

Code of Federal Regulations, 2013 CFR

2013-01-01

... deposits are received, checks paid, or money lent. A branch does not include an automated teller machine (ATM) or a remote service unit. (i) A branch established by a national bank includes a mobile facility... purposes of making deposits, paying checks, or borrowing money (e.g., an office established by the bank...

12 CFR 5.30 - Establishment, acquisition, and relocation of a branch.

Code of Federal Regulations, 2012 CFR

2012-01-01

... deposits are received, checks paid, or money lent. A branch does not include an automated teller machine (ATM) or a remote service unit. (i) A branch established by a national bank includes a mobile facility... purposes of making deposits, paying checks, or borrowing money (e.g., an office established by the bank...

12 CFR 5.30 - Establishment, acquisition, and relocation of a branch.

Code of Federal Regulations, 2010 CFR

2010-01-01

... deposits are received, checks paid, or money lent. A branch does not include an automated teller machine (ATM) or a remote service unit. (i) A branch established by a national bank includes a mobile facility... purposes of making deposits, paying checks, or borrowing money (e.g., an office established by the bank...

12 CFR 5.30 - Establishment, acquisition, and relocation of a branch.

Code of Federal Regulations, 2014 CFR

2014-01-01

... deposits are received, checks paid, or money lent. A branch does not include an automated teller machine (ATM) or a remote service unit. (i) A branch established by a national bank includes a mobile facility... purposes of making deposits, paying checks, or borrowing money (e.g., an office established by the bank...

12 CFR 5.30 - Establishment, acquisition, and relocation of a branch.

Code of Federal Regulations, 2011 CFR

2011-01-01

... deposits are received, checks paid, or money lent. A branch does not include an automated teller machine (ATM) or a remote service unit. (i) A branch established by a national bank includes a mobile facility... purposes of making deposits, paying checks, or borrowing money (e.g., an office established by the bank...

Neoliberal Long-Term Care: From Community to Corporate Control.

PubMed

Polivka, Larry; Luo, Baozhen

2017-09-23

Publicly (mainly Medicaid) funded long-term care (LTC) services have evolved from a nursing home dominated system of service to a much more balanced system including home- and community-based services (HCBS) programs over the last 30 years. The HCBS programs have been largely administered by the state and local level nonprofit aging networks (ANs) consisting of Area Agencies on Aging and thousands of service providers. Over the last decade, however, for-profit HMOs administered primarily by large insurance companies have begun to displace AN organizations. State policymakers have embraced for-profit privatizations under the rationale that this approach will generate greater savings, efficiencies, and higher quality outcomes than the traditional public or private nonprofit models of program administration. As we show here, there is very little evidence for this rationale; yet, this lack of evidence has not prevented the continuing growth of for-profit managed LTC programs supported more by an ideology of market fundamentalism than empirical evidence. We also describe six possible consequences of the trend toward corporate control of public LTC services in the years ahead. © The Author 2017. Published by Oxford University Press on behalf of The Gerontological Society of America. All rights reserved. For permissions, please e-mail: journals.permissions@oup.com.

Fostering public cord blood banking and research in Canada.

PubMed

Isasi, Rosario; Dalpe, Gratien; Knoppers, Bartha M

2013-12-01

In June 2013, Canadian Blood Services (CBS) established the National Public Cord Blood Bank (NPCBB) accessible to Canadian and international patients and researchers. The NPCBB promotes efforts that contribute to research and improved clinical care by making units not suitable for banking or transplantation available for research. In the context of the NPCBB of the CBS, this article will focus on the practical tools (e.g., consent protocols) developed to optimize umbilical cord blood (UCB) banking and research while enabling ethical provenance of UCB stem cells. The Canadian approach represents an ideal model for comparison as it is a country in which the national public bank (and other regional/provincial public banks) coexists with private companies.

Profiting and providing less care: comprehensive services at for-profit, nonprofit, and public opioid treatment programs in the United States.

PubMed

Bachhuber, Marcus A; Southern, William N; Cunningham, Chinazo O

2014-05-01

Opioid use disorders are frequently associated with medical and psychiatric comorbidities (eg, HIV infection and depression), as well as social problems (eg, lack of health insurance). Comprehensive services addressing these conditions improve outcomes. To compare the proportion of for-profit, nonprofit, and public opioid treatment programs offering comprehensive services, which are not mandated by government regulations. Cross-sectional analysis of opioid treatment programs offering outpatient care in the United States (n=1036). Self-reported offering of communicable disease (HIV, sexually transmitted infections, and viral hepatitis) testing, psychiatric services (screening, assessment and diagnostic evaluation, and pharmacotherapy), and social services support (assistance in applying for programs such as Medicaid). Mixed-effects logistic regression models were developed to adjust for several county-level factors. Of opioid treatment programs, 58.0% were for profit, 33.5% were nonprofit, and 8.5% were public. Nonprofit programs were more likely than for-profit programs to offer testing for all communicable diseases [adjusted odds ratios (AOR), 1.7; 95% confidence interval (CI), 1.2, 2.5], all psychiatric services (AOR, 8.0; 95% CI, 4.9, 13.1), and social services support (AOR, 3.3; 95% CI, 2.3, 4.8). Public programs were also more likely than for-profit programs to offer communicable disease testing (AOR, 6.4; 95% CI, 3.5, 11.7), all psychiatric services (AOR, 25.8; 95% CI, 12.6, 52.5), and social services support (AOR, 2.4; 95% CI, 1.4, 4.3). For-profit programs were significantly less likely than nonprofit and public programs to offer comprehensive services. Interventions to increase the offering of comprehensive services are needed, particularly among for-profit programs.

12 CFR 7.1010 - Postal service by national bank.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 1 2011-01-01 2011-01-01 false Postal service by national bank. 7.1010 Section 7.1010 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY BANK ACTIVITIES AND OPERATIONS Bank Powers § 7.1010 Postal service by national bank. (a) General. A national bank may maintain...

12 CFR 7.1010 - Postal service by national bank.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Postal service by national bank. 7.1010 Section 7.1010 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY BANK ACTIVITIES AND OPERATIONS Bank Powers § 7.1010 Postal service by national bank. (a) General. A national bank may maintain...

77 FR 58540 - Notice of Debarment

Federal Register 2010, 2011, 2012, 2013, 2014

2012-09-21

... personal use while you were the owner and president of E-Rate Consulting Services, LLC (ECS).\\4\\ Between May 2006 and January 2009, you deposited those E-Rate funds into your ECS bank account for your...

78 FR 24779 - Notice Pursuant to the National Cooperative Research and Production Act of 1993-Telemanagement Forum

Federal Register 2010, 2011, 2012, 2013, 2014

2013-04-26

... names: China Comservice Software Technology Co., Ltd. to China Communication Service Application and... GmbH, Potsdam, GERMANY; e. Services Africa Limited, Accra, GHANA; Cognity Consulting, Maroussi, GREECE... Services Sdn Bhd, KL Sentral, MALAYSIA; ING Bank N.V., Amsterdam, NETHERLANDS; Ultrafast Fibre Limited...

A Low-Cost and Secure Solution for e-Commerce

NASA Astrophysics Data System (ADS)

Pasquet, Marc; Vacquez, Delphine; Rosenberger, Christophe

We present in this paper a new architecture for remote banking and e-commerce applications. The proposed solution is designed to be low cost and provides some good guarantees of security for a client and his bank issuer. Indeed, the main problem for an issuer is to identify and authenticate one client (a cardholder) using his personal computer through the web when this client wants to access to remote banking services or when he wants to pay on a e-commerce site equipped with 3D-secure payment solution. The proposed solution described in this paper is MasterCard Chip Authentication Program compliant and was experimented in the project called SOPAS. The main contribution of this system consists in the use of a smartcard with a I2C bus that pilots a terminal only equipped with a screen and a keyboard. During the use of services, the user types his PIN code on the keyboard and all the security part of the transaction is performed by the chip of the smartcard. None information of security stays on the personal computer and a dynamic token created by the card is sent to the bank and verified by the front end. We present first the defined methodology and we analyze the main security aspects of the proposed solution.

The corporate transformation of medical specialty care: the exemplary case of neonatology.

PubMed

Kinney, Eleanor D

2008-01-01

The key to wealth in health care is the physician, who certifies to third-party payers that health care items and services are necessary for patient care. To compete more effectively for this wealth, physician specialists are organizing their practices into for-profit corporations and employing other physicians. Focusing on neonatology, this article describes the prevailing business model of these for-profit medical groups as controlling employed physicians through restrictive employment contract provisions, e.g., non-compete and mandatory arbitration clauses. With this business model and because of deficiencies in current law, for-profit medical groups eliminate competition from other physician specialists to the detriment of patients and consumers.

Air Transport Liberalization in Europe: The Progress So Far

DOT National Transportation Integrated Search

1998-01-01

The gradual liberalization of intra-community air services began when Europe's airlines were going through a profitable period (1983-1989), but the more fundamental changes arising from the second (effective November 1990) and especially the third (e...

The impact of profitability of hospital admissions on mortality.

PubMed

Lindrooth, Richard C; Konetzka, R Tamara; Navathe, Amol S; Zhu, Jingsan; Chen, Wei; Volpp, Kevin

2013-04-01

Fiscal constraints faced by Medicare are leading to policies designed to reduce expenditures. Evidence of the effect of reduced reimbursement on the mortality of Medicare patients discharged from all major hospital service lines is limited. We modeled risk-adjusted 30-day mortality of patients discharged from 21 hospital service lines as a function of service line profitability, service line time trends, and hospital service line and year-fixed effects. We simulated the effect of alternative revenue-neutral reimbursement policies on mortality. Our sample included all Medicare discharges from PPS-eligible hospitals (1997, 2001, and 2005). The results reveal a statistically significant inverse relationship between changes in profitability and mortality. A $0.19 average reduction in profit per $1.00 of costs led to a 0.010-0.020 percentage-point increase in mortality rates (p < .001). Mortality in newly unprofitable service lines is significantly more sensitive to reduced payment generosity than in service lines that remain profitable. Policy simulations that target service line inequities in payment generosity result in lower mortality rates, roughly 700-13,000 fewer deaths nationally. The policy simulations raise questions about the trade-offs implicit in universal reductions in reimbursement. The effect of reduced payment generosity on mortality could be mitigated by targeting highly profitable services only for lower reimbursement. © Health Research and Educational Trust.

The Impact of Profitability of Hospital Admissions on Mortality

PubMed Central

Lindrooth, Richard C; Konetzka, R Tamara; Navathe, Amol S; Zhu, Jingsan; Chen, Wei; Volpp, Kevin

2013-01-01

Background Fiscal constraints faced by Medicare are leading to policies designed to reduce expenditures. Evidence of the effect of reduced reimbursement on the mortality of Medicare patients discharged from all major hospital service lines is limited. Methods We modeled risk-adjusted 30-day mortality of patients discharged from 21 hospital service lines as a function of service line profitability, service line time trends, and hospital service line and year-fixed effects. We simulated the effect of alternative revenue-neutral reimbursement policies on mortality. Our sample included all Medicare discharges from PPS-eligible hospitals (1997, 2001, and 2005). Results The results reveal a statistically significant inverse relationship between changes in profitability and mortality. A $0.19 average reduction in profit per $1.00 of costs led to a 0.010–0.020 percentage-point increase in mortality rates (p < .001). Mortality in newly unprofitable service lines is significantly more sensitive to reduced payment generosity than in service lines that remain profitable. Policy simulations that target service line inequities in payment generosity result in lower mortality rates, roughly 700–13,000 fewer deaths nationally. Conclusions The policy simulations raise questions about the trade-offs implicit in universal reductions in reimbursement. The effect of reduced payment generosity on mortality could be mitigated by targeting highly profitable services only for lower reimbursement. PMID:23346946

Secure E-Business applications based on the European Citizen Card

NASA Astrophysics Data System (ADS)

Zipfel, Christian; Daum, Henning; Meister, Gisela

The introduction of ID cards enhanced with electronic authentication services opens up the possibility to use these for identification and authentication in e-business applications. To avoid incompatible national solutions, the specification of the European Citizen Card aims at defining interoperable services for such use cases. Especially the given device authentication methods can help to eliminate security problems with current e-business and online banking applications.

Is there a link between hospital profit and quality?

PubMed

Cleverley, W O; Harvey, R K

1992-09-01

In industrial firms, high perceived quality in products or services leads to high return on investment. The link between high quality and high profit is more difficult to document for healthcare products and services. An even more important question for healthcare managers is whether there is a link between poor-quality services and low profitability. A study of a small sample of HCFA high-mortality hospitals shows that poor quality hospitals are less profitable. Although the demand for the products and services of poor-quality hospitals is relatively strong, such hospitals are underinvested in assets and understaffed, the study shows.

FASB issues new accounting standards for business combinations.

PubMed

Heuer, Christian; Travers, Mary Ann K

2010-06-01

Accounting Standard Codification Topic 958 (formerly Financial Accounting Standards Board Statement No. 164), Not-for-Profit Entities: Mergers and Acquisitions, applies to mergers and acquisitions as early as Jan. 1, 2010, for calendar-year entities. Not-for-profit organizations need to move to fair value accounting, with a focus on the valuation of intangible assets. Noncompliance could cause a hospital's auditors to issue a qualified report, which could lead to difficulties obtaining bank and bond financing.

26 CFR 1.401(e)-4 - Contributions for premiums on annuity, etc., contracts and transitional rule for certain excess...

Code of Federal Regulations, 2010 CFR

2010-04-01

... 26 Internal Revenue 5 2010-04-01 2010-04-01 false Contributions for premiums on annuity, etc., contracts and transitional rule for certain excess contributions. 1.401(e)-4 Section 1.401(e)-4 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES Pension, Profit-Sharing, Stock Bonus...

Research ethics in Canada: experience of a group operating a human embryo and fetal tissue bank.

PubMed

Milos, N; Bamforth, S; Bagnall, K

1999-04-01

A Canadian research group is establishing a human embryo and fetal tissue bank. Its purpose is to provide researchers with frozen or fixed tissue specimens for use in protein and gene expression studies. Several legal and ethical issues have arisen, including questions about consent, use of these rare tissues, cost recovery, and profit-making. These issues are discussed here in light of the present lack of legislation in Canada. We make recommendations in these areas, and suggest that the bank's operations could legally fall under the jurisdiction of the Human Tissue Gift Act.

Promoting Pluralism.

ERIC Educational Resources Information Center

Zijp, W.

1998-01-01

Rural agricultural development is facing challenges of poverty, hunger, and environmental quality, necessitating sustainable, profitable, and productive practices. Extension education is challenged to increase diversity, relevance, and financial support. Examples of World Bank innovations illustrate some pathways for agricultural extension. (SK)

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...

Customer and service profitability

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

Ballaban, M.; Kelly, K.; Wisniewski, L.

1996-03-01

The rapid pace of competitive change in the generation sector has pushed electric utilities to rethink the concept of being obligated to serve all customers and with this change, the notion of measuring customer profitability is also being redefined. Traditionally, uniform services were provided to all customers. Rates were based on each customer classes` contribution to average costs, and consequently return was equally allocated across all customer segments. Profitability was defined strictly on an aggregate basis. The increasing demand for choice by electric customers will require electricity providers to redefine if not who they serve, than certainly how they providemore » differentiated services tailored to specific customer segments. Utilities are beginning to analyze the value, or profitability, of offering these services. Aggregate data no longer provides an accurate assessment of how resources should be allocated most efficiently. As services are unbundled, so too must costs be disaggregated to effectively measure the profitability of various options.« less

Ownership status and patterns of care in hospice: results from the National Home and Hospice Care Survey.

PubMed

Carlson, Melissa D A; Gallo, William T; Bradley, Elizabeth H

2004-05-01

The number of for-profit hospices increased nearly 4-fold over the past decade, more than 6 times the growth of nonprofit hospices. Despite this growth, the impact of ownership on hospice care is largely unknown. We sought to assess differences in the provision of services to patients of for-profit and nonprofit hospices. Using the 1998 National Home and Hospice Care Survey, we examined services used by patients (N = 2080) cared for by 422 hospices nationwide. We used multivariable ordered logistic and logistic regression to assess the effect of profit status on service use, adjusting for potentially confounding patient and organizational characteristics. We calculated point estimates adjusted for sampling weights and standard errors adjusted for the clustering of patients within hospices. In ordered logistic models controlling for organizational and patient factors, patients of for-profit hospices received a significantly narrower range of services (adjusted odds ratio [OR], 0.45; 95% confidence interval [CI], 0.22-0.92) than patients of nonprofit hospices. This result is driven by patients of for-profit hospices receiving significantly fewer types of hospice services that federal regulations term "noncore" or more discretionary services (adjusted OR, 0.34; 95% CI, 0.15-0.75). The pattern of care differs in for-profit and nonprofit hospices. As the industry develops a substantial for-profit presence, it is critical for clinicians and other healthcare professionals to be alert to the potential impact of profit status on the care their patients receive.

The for-profit sector in humanitarian response: integrating ethical considerations in public policy decision making.

PubMed

Huckel Schneider, Carmen; Negin, Joel

2016-01-01

The engagement of the for-profit private sector in health, social and humanitarian services has become a topic of keen interest. It is particularly contentious in those instances where for-profit organizations have become recipients of public funds, and where they become key decision-makers in terms of how, and to whom, services are provided. We put forward a framework for identifying and organizing the ethical questions to be considered when contracting government services to the for-profit sector, specifically in those areas that have traditionally remained in the public or not-for-profit spheres. The framework is designed to inform both academic debate and practical decision-making regarding the acceptability, feasibility and legitimacy of for-profit organizations carrying out humanitarian work. First, we outline the importance of posing ethical questions in government contracting for-profit vs. not-for-profit organizations. We then outline five key areas to be considered before then examining the extent to which ethics concerns are warranted and how they may be safeguarded.

12 CFR 811.7 - Servicing book-entry Federal Financing Bank securities; payment of interest; payment at maturity...

Code of Federal Regulations, 2014 CFR

2014-01-01

... 12 Banks and Banking 7 2014-01-01 2014-01-01 false Servicing book-entry Federal Financing Bank... FEDERAL FINANCING BANK BOOK-ENTRY PROCEDURE FOR FEDERAL FINANCING BANK SECURITIES § 811.7 Servicing book... becoming due on book-entry Federal Financing Bank securities shall be charged against the special agent...

7 CFR 3430.603 - Eligibility.

Code of Federal Regulations, 2013 CFR

2013-01-01

... college or university (including a junior college offering an associate's degree) or foundation maintained by a college or university; (e) A private for-profit organization; or (f) Any other appropriate... network or partnership of public or private entities, including: (a) A State cooperative extension service...

7 CFR 3430.603 - Eligibility.

Code of Federal Regulations, 2012 CFR

2012-01-01

... college or university (including a junior college offering an associate's degree) or foundation maintained by a college or university; (e) A private for-profit organization; or (f) Any other appropriate... network or partnership of public or private entities, including: (a) A State cooperative extension service...

7 CFR 3430.603 - Eligibility.

Code of Federal Regulations, 2014 CFR

2014-01-01

... college or university (including a junior college offering an associate's degree) or foundation maintained by a college or university; (e) A private for-profit organization; or (f) Any other appropriate... network or partnership of public or private entities, including: (a) A State cooperative extension service...

7 CFR 3430.603 - Eligibility.

Code of Federal Regulations, 2011 CFR

2011-01-01

... college or university (including a junior college offering an associate's degree) or foundation maintained by a college or university; (e) A private for-profit organization; or (f) Any other appropriate... network or partnership of public or private entities, including: (a) A State cooperative extension service...

12 CFR 7.1012 - Messenger service.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 1 2011-01-01 2011-01-01 false Messenger service. 7.1012 Section 7.1012 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY BANK ACTIVITIES AND OPERATIONS Bank Powers § 7.1012 Messenger service. (a) Definition. For purposes of this section, a “messenger...

12 CFR 621.31 - Non-audit services.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 6 2011-01-01 2011-01-01 false Non-audit services. 621.31 Section 621.31 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM ACCOUNTING AND REPORTING REQUIREMENTS Auditor Independence § 621.31 Non-audit services. Non-audit services are any professional services...

12 CFR 621.31 - Non-audit services.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 12 Banks and Banking 7 2013-01-01 2013-01-01 false Non-audit services. 621.31 Section 621.31 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM ACCOUNTING AND REPORTING REQUIREMENTS Auditor Independence § 621.31 Non-audit services. Non-audit services are any professional services...

12 CFR 621.31 - Non-audit services.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 7 2012-01-01 2012-01-01 false Non-audit services. 621.31 Section 621.31 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM ACCOUNTING AND REPORTING REQUIREMENTS Auditor Independence § 621.31 Non-audit services. Non-audit services are any professional services...

12 CFR 621.31 - Non-audit services.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 12 Banks and Banking 7 2014-01-01 2014-01-01 false Non-audit services. 621.31 Section 621.31 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM ACCOUNTING AND REPORTING REQUIREMENTS Auditor Independence § 621.31 Non-audit services. Non-audit services are any professional services...

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.

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.

12 CFR 611.1137 - Title VIII service corporations.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Title VIII service corporations. 611.1137 Section 611.1137 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM ORGANIZATION Service Organizations § 611.1137 Title VIII service corporations. (a) What is a title VIII service corporation? A title...

12 CFR 611.1135 - Incorporation of service corporations.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Incorporation of service corporations. 611.1135 Section 611.1135 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM ORGANIZATION Service Organizations § 611.1135 Incorporation of service corporations. (a) What is the process for chartering a service...

A longitudinal analysis of the impact of hospital service line profitability on the likelihood of readmission.

PubMed

Navathe, Amol S; Volpp, Kevin G; Konetzka, R Tamara; Press, Matthew J; Zhu, Jingsan; Chen, Wei; Lindrooth, Richard C

2012-08-01

Quality of care may be linked to the profitability of admissions in addition to level of reimbursement. Prior policy reforms reduced payments that differentially affected the average profitability of various admission types. The authors estimated a Cox competing risks model, controlling for the simultaneous risk of mortality post discharge, to determine whether the average profitability of hospital service lines to which a patient was admitted was associated with the likelihood of readmission within 30 days. The sample included 12,705,933 Medicare Fee for Service discharges from 2,438 general acute care hospitals during 1997, 2001, and 2005. There was no evidence of an association between changes in average service line profitability and changes in readmission risk, even when controlling for risk of mortality. These findings are reassuring in that the profitability of patients' admissions did not affect readmission rates, and together with other evidence may suggest that readmissions are not an unambiguous quality indicator for in-hospital care.

12 CFR 28.21 - Service of process.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Service of process. 28.21 Section 28.21 Banks... Federal Branches and Agencies of Foreign Banks § 28.21 Service of process. A foreign bank operating at any Federal branch or agency is subject to service of process at the location of the Federal branch or agency. ...

Business Models, Vaccination Services, and Public Health Relationships of Retail Clinics: A Qualitative Study.

PubMed

Arthur, Bayo C; Fisher, Allison Kennedy; Shoemaker, Sarah J; Pozniak, Alyssa; Stokley, Shannon

2015-01-01

Despite the rapid growth of retail clinics (RCs), literature is limited in terms of how these facilities offer preventive services, particularly vaccination services. The purpose of this study was to obtain an in-depth understanding of the RC business model pertaining to vaccine offerings, profitability, and decision making. From March to June 2009, we conducted 15 interviews with key individuals from three types of organizations: 12 representatives of RC corporations, 2 representatives of retail hosts (i.e., stores in which the RCs are located), and 1 representative of an industry association. We analyzed interview transcripts qualitatively. Our results indicate that consumer demand and profitability were the main drivers in offering vaccinations. RCs in this sample primarily offered vaccinations to adults and adolescents, and they were not well integrated with local public health and immunization registries. Our findings demonstrate the potential for stronger linkages with public health in these settings. The findings also may help inform future research to increase patient access to vaccination services at RCs.

ACOG committee opinion number 399, February 2008: umbilical cord blood banking.

PubMed

2008-02-01

Two types of banks have emerged for the collection and storage of umbilical cord blood--public banks and private banks. Public banks promote allogenic (related or unrelated) donation, analogous to the current collection of whole blood units in the United States. Private banks were initially developed to store stem cells from umbilical cord blood for autologous use (taken from an individual for subsequent use by the same individual) by a child if the child develops disease later in life. If a patient requests information on umbilical cord blood banking, balanced and accurate information regarding the advantages and disadvantages of public versus private banking should be provided. The remote chance of an autologous unit of umbilical cord blood being used for a child or a family member (approximately 1 in 2,700 individuals) should be disclosed. The collection should not alter routine practice for the timing of umbilical cord clamping. Physicians or other professionals who recruit pregnant women and their families for for-profit umbilical cord blood banking should disclose any financial interests or other potential conflicts of interest.

The network of corporate clients: customer attrition at commercial banks

NASA Astrophysics Data System (ADS)

Lublóy, Á.; Szenes, M.

2008-12-01

Commercial banks might profit from the adoption of methods widely used in network theory. A decision making process might become biased if one disregards network effects within the corporate client portfolio. This paper models the phenomenon of customer attrition by generating a weighted and directed network of corporate clients linked by financial transactions. During the numerical study of the agent-based toy model we demonstrate that multiple steady states may exist. The statistical properties of the distinct steady states show similarities. We show that most companies of the same community choose the same bank in the steady state. In contrast to the case for the steady state of the Barabási-Albert network, market shares in this model equalize by network size. When modeling customer attrition in the network of 3 × 105 corporate clients, none of the companies followed the behavior of the initial switcher in three quarters of the simulations. The number of switchers exceeded 20 in 1% of the cases. In the worst-case scenario a total of 688 companies chose a competitor bank. Significant network effects have been discovered; high correlation prevailed between the degree of the initial switcher and the severity of the avalanche effect. This suggests that the position of the corporate client in the network might be much more important than the underlying properties (industry, size, profitability, etc) of the company.

Factors affecting the entry of for-profit providers into a price regulated market for formal long-term care services: a case study from Japan.

PubMed

Tokunaga, Mutsumi; Hashimoto, Hideki

2013-01-01

While the distinct behaviors of for-profit and non-profit providers in the healthcare market have been compared in the economic literature, their choices regarding market entry and exit have only recently been debated. Since 2000, when public Long-Term Care Insurance was introduced in Japan, for-profit providers have been able to provide formal long-term homecare services. The aim of this study is to determine which factors have affected market entry of for-profit providers under price regulation and in competition with existing non-profit providers. We used nation-wide panel data from 2002 to 2010, aggregated at the level of local public insurers (n = 1557), a basic area unit of service provision. The number of for-profit providers per elderly population in the area unit was regressed against factors related to local demand and service costs using first-difference linear regression, a fixed effects model, and Tobit regression for robustness checking. Results showed that demand (the number of eligible care recipients) and cost factors (population density and minimum wage) significantly influenced for-profit providers' choice of market entry. These findings indicate that for-profit providers will strategically choose a local market for maximizing profit. We believe that price regulation should be redesigned to incorporate quality of care and market conditions, regardless of the profit status of the providers, to ensure equal access to efficient delivery of long-term care across all regions. Copyright © 2012 Elsevier Ltd. All rights reserved.

How to map your industry's profit pool.

PubMed

Gadiesh, O; Gilbert, J L

1998-01-01

Many managers chart strategy without a full understanding of the sources and distribution of profits in their industry. Sometimes they focus their sights on revenues instead of profits, mistakenly assuming that revenue growth will eventually translate into profit growth. In other cases, they simply lack the data or the analytical tools required to isolate and measure variations in profitability. In this Manager's Tool Kit, the authors present a way to think clearly about where the money's being made in any industry. They describe a framework for analyzing how profits are distributed among the activities that form an industry's value chain. Such an analysis can provide a company's managers with a rich understanding of their industry's profit structure--what the authors call its profit pool--enabling them to identify which activities are generating disproportionately large or small shares of profits. Even more important, a profit-pool map opens a window onto the underlying structure of the industry, helping managers see the various forces that are determining the distribution of profits. As such, a profit-pool map provides a solid basis for strategic thinking. Mapping a profit pool involves four steps: defining the boundaries of the pool, estimating the pool's overall size, estimating the size of each value-chain activity in the pool, and checking and reconciling the calculations. The authors briefly describe each step and then apply the process by providing a detailed example of a hypothetical retail bank. They conclude by looking at ways of organizing the data in chart form as a first step toward plotting a profit-pool strategy.

Home Banking Experiments: Do the Advantages Outweigh the Increased Costs for Customers?

ERIC Educational Resources Information Center

Immel, A. Richard

1984-01-01

Reviews services available through home banking via a personal computer, and discusses cash management, whether these services are worthwhile, and if they'll be successful. Two home banking services--Chemical Bank's Pronto and Bank of America's Homebanking--are described. (MBR)

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...

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...

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...

12 CFR 510.4 - Service of process.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 6 2012-01-01 2012-01-01 false Service of process. 510.4 Section 510.4 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY MISCELLANEOUS ORGANIZATIONAL REGULATIONS § 510.4 Service of process. (a) Service of Process. Service of process may be made upon the Office...

12 CFR 510.4 - Service of process.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Service of process. 510.4 Section 510.4 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY MISCELLANEOUS ORGANIZATIONAL REGULATIONS § 510.4 Service of process. (a) Service of Process. Service of process may be made upon the Office...

12 CFR 390.310 - Service corporation.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 5 2012-01-01 2012-01-01 false Service corporation. 390.310 Section 390.310 Banks and Banking FEDERAL DEPOSIT INSURANCE CORPORATION REGULATIONS AND STATEMENTS OF GENERAL POLICY... Savings Associations § 390.310 Service corporation. The term service corporation means any corporation...

12 CFR 390.310 - Service corporation.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 12 Banks and Banking 5 2013-01-01 2013-01-01 false Service corporation. 390.310 Section 390.310 Banks and Banking FEDERAL DEPOSIT INSURANCE CORPORATION REGULATIONS AND STATEMENTS OF GENERAL POLICY... Savings Associations § 390.310 Service corporation. The term service corporation means any corporation...

12 CFR 390.310 - Service corporation.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 12 Banks and Banking 5 2014-01-01 2014-01-01 false Service corporation. 390.310 Section 390.310 Banks and Banking FEDERAL DEPOSIT INSURANCE CORPORATION REGULATIONS AND STATEMENTS OF GENERAL POLICY... Savings Associations § 390.310 Service corporation. The term service corporation means any corporation...

12 CFR 7.1021 - National bank participation in financial literacy programs.

Code of Federal Regulations, 2010 CFR

2010-01-01

... educational. For example, a program is educational if it is designed to teach students the principles of personal economics or the benefits of saving for the future, and is not designed for the purpose of profit...

12 CFR 608.813 - Contracting for collection services.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Contracting for collection services. 608.813 Section 608.813 Banks and Banking FARM CREDIT ADMINISTRATION ADMINISTRATIVE PROVISIONS COLLECTION OF... services. The Chairman, or designee of the Chairman, may contract for collection services in accordance...

12 CFR 975.6 - Pricing of services.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Pricing of services. 975.6 Section 975.6 Banks and Banking FEDERAL HOUSING FINANCE BOARD MISCELLANEOUS FEDERAL HOME LOAN BANK OPERATIONS AND AUTHORITIES COLLECTION, SETTLEMENT, AND PROCESSING OF PAYMENT INSTRUMENTS § 975.6 Pricing of services. (a...

12 CFR 7.4003 - Establishment and operation of a remote service unit by a national bank.

Code of Federal Regulations, 2010 CFR

2010-01-01

... unit by a national bank. 7.4003 Section 7.4003 Banks and Banking COMPTROLLER OF THE CURRENCY... a remote service unit by a national bank. A remote service unit (RSU) is an automated facility... withdrawals, or lending money. A national bank may establish and operate an RSU pursuant to 12 U.S.C. 24...

12 CFR 7.4003 - Establishment and operation of a remote service unit by a national bank.

Code of Federal Regulations, 2011 CFR

2011-01-01

... unit by a national bank. 7.4003 Section 7.4003 Banks and Banking COMPTROLLER OF THE CURRENCY... a remote service unit by a national bank. A remote service unit (RSU) is an automated facility... withdrawals, or lending money. A national bank may establish and operate an RSU pursuant to 12 U.S.C. 24...

12 CFR 7.4003 - Establishment and operation of a remote service unit by a national bank.

Code of Federal Regulations, 2013 CFR

2013-01-01

... unit by a national bank. 7.4003 Section 7.4003 Banks and Banking COMPTROLLER OF THE CURRENCY... a remote service unit by a national bank. A remote service unit (RSU) is an automated facility... withdrawals, or lending money. A national bank may establish and operate an RSU pursuant to 12 U.S.C. 24...

12 CFR 7.4003 - Establishment and operation of a remote service unit by a national bank.

Code of Federal Regulations, 2014 CFR

2014-01-01

... unit by a national bank. 7.4003 Section 7.4003 Banks and Banking COMPTROLLER OF THE CURRENCY... a remote service unit by a national bank. A remote service unit (RSU) is an automated facility... withdrawals, or lending money. A national bank may establish and operate an RSU pursuant to 12 U.S.C. 24...

12 CFR 7.4003 - Establishment and operation of a remote service unit by a national bank.

Code of Federal Regulations, 2012 CFR

2012-01-01

... unit by a national bank. 7.4003 Section 7.4003 Banks and Banking COMPTROLLER OF THE CURRENCY... a remote service unit by a national bank. A remote service unit (RSU) is an automated facility... withdrawals, or lending money. A national bank may establish and operate an RSU pursuant to 12 U.S.C. 24...

39 CFR 761.2 - Authority of Reserve Banks.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 39 Postal Service 1 2010-07-01 2010-07-01 false Authority of Reserve Banks. 761.2 Section 761.2 Postal Service UNITED STATES POSTAL SERVICE POSTAL SERVICE DEBT OBLIGATIONS; DISBURSEMENT POSTAL MONEY ORDERS BOOK-ENTRY PROCEDURES § 761.2 Authority of Reserve Banks. Each Reserve Bank is hereby authorized...

39 CFR 761.2 - Authority of Reserve Banks.

Code of Federal Regulations, 2011 CFR

2011-07-01

... 39 Postal Service 1 2011-07-01 2011-07-01 false Authority of Reserve Banks. 761.2 Section 761.2 Postal Service UNITED STATES POSTAL SERVICE POSTAL SERVICE DEBT OBLIGATIONS; DISBURSEMENT POSTAL MONEY ORDERS BOOK-ENTRY PROCEDURES § 761.2 Authority of Reserve Banks. Each Reserve Bank is hereby authorized...

12 CFR 611.1136 - Regulation and examination of service organizations.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Regulation and examination of service organizations. 611.1136 Section 611.1136 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM ORGANIZATION Service Organizations § 611.1136 Regulation and examination of service organizations. (a) What...

12 CFR 308.149 - Service of subpoena.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Service of subpoena. 308.149 Section 308.149 Banks and Banking FEDERAL DEPOSIT INSURANCE CORPORATION PROCEDURE AND RULES OF PRACTICE RULES OF....149 Service of subpoena. Service of a subpoena shall be accomplished in accordance with § 308.11 of...

12 CFR 195.24 - Service test.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 1 2012-01-01 2012-01-01 false Service test. 195.24 Section 195.24 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY COMMUNITY REINVESTMENT Standards for Assessing Performance § 195.24 Service test. (a) Scope of test. The service test evaluates a savings...

12 CFR 345.24 - Service test.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 4 2011-01-01 2011-01-01 false Service test. 345.24 Section 345.24 Banks and Banking FEDERAL DEPOSIT INSURANCE CORPORATION REGULATIONS AND STATEMENTS OF GENERAL POLICY COMMUNITY REINVESTMENT Standards for Assessing Performance § 345.24 Service test. (a) Scope of test. The service test...

12 CFR 345.24 - Service test.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 5 2012-01-01 2012-01-01 false Service test. 345.24 Section 345.24 Banks and Banking FEDERAL DEPOSIT INSURANCE CORPORATION REGULATIONS AND STATEMENTS OF GENERAL POLICY COMMUNITY REINVESTMENT Standards for Assessing Performance § 345.24 Service test. (a) Scope of test. The service test...

The National Data Bank for Rheumatic Diseases (NDB).

PubMed

Michaud, Kaleb

2016-01-01

The National Data Bank for Rheumatic Diseases (NDB) is a longitudinal observational patient-driven database, founded as a non-profit research organization in 1998 by Dr. Frederick Wolfe. Patients are sent a primary questionnaire twice a year. More than 50,000 patients with more than 100 various rheumatic diseases under the care of more than 1,500 rheumatologists have completed at least one 6-month questionnaire. Many important publications concerning rheumatoid arthritis, osteoarthritis, systemic lupus erythematosus, fibromyalgia, and pharmaco-epidemiology have resulted from NDB research.

75 FR 70970 - Submission for OMB Review; Comment Request

Federal Register 2010, 2011, 2012, 2013, 2014

2010-11-19

.... Title: Financial Crimes Enforcement Network; Anti-Money Laundering Programs; Special Due Diligence... established, maintained, administered, or managed for certain types of foreign banks. Respondents: Businesses or other for-profits. Estimated Total Burden Hours: 56,326 hours. Bureau Clearance Officer: Russell...

Economics in the Elementary School

ERIC Educational Resources Information Center

Kelton, Dave

1976-01-01

Fourth and fifth grade students at Bulman Elementary School, Redford, Michigan, learn economics concepts by selling potato chips: company stocks are sold and part of the profit is invested in a student-run bank which has checking accounts and issues monthly statements. (AV)

12 CFR 404.23 - Other rights and services.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Other rights and services. 404.23 Section 404.23 Banks and Banking EXPORT-IMPORT BANK OF THE UNITED STATES INFORMATION DISCLOSURE Access to Records Under the Privacy Act of 1974 § 404.23 Other rights and services. Nothing in this subpart shall be...

12 CFR 250.403 - Service of member bank and real estate investment company.

Code of Federal Regulations, 2011 CFR

2011-01-01

... Glass-Steagall Act § 250.403 Service of member bank and real estate investment company. (a) The Board recently considered two inquiries regarding the question whether proposed real estate investment companies... 12 Banks and Banking 3 2011-01-01 2011-01-01 false Service of member bank and real estate...

Supplying commercial biomedical companies from a human tissue bank in an NHS hospital--a view from personal experience.

PubMed

Gray, N; Womack, C; Jack, S J

1999-04-01

NHS histopathology laboratories are well placed to develop banks of surgically removed surplus human tissues to meet the increasing demands of commercial biomedical companies. The ultimate aim could be national network of non-profit making NHS tissue banks conforming to national minimum ethical, legal, and quality standards which could be monitored by local research ethics committees. The Nuffield report on bioethics provides ethical and legal guidance but we believe that the patient should be fully informed and the consent given explicit. Setting up a tissue bank requires enthusiasm, hard work, and determination as well as coordination between professionals in the NHS trust and in the commercial sector. The rewards are exiting new collaborations with commercial biomedical companies which could help secure our future.

12 CFR 712.6 - What activities and services are prohibited for CUSOs?

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false What activities and services are prohibited for CUSOs? 712.6 Section 712.6 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT UNIONS CREDIT UNION SERVICE ORGANIZATIONS (CUSOs) § 712.6 What activities and services are...

12 CFR 228.24 - Service test.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 12 Banks and Banking 3 2014-01-01 2014-01-01 false Service test. 228.24 Section 228.24 Banks and...) COMMUNITY REINVESTMENT (REGULATION BB) Standards for Assessing Performance § 228.24 Service test. (a) Scope of test. The service test evaluates a bank's record of helping to meet the credit needs of its...

12 CFR 228.24 - Service test.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 3 2012-01-01 2012-01-01 false Service test. 228.24 Section 228.24 Banks and... REINVESTMENT (REGULATION BB) Standards for Assessing Performance § 228.24 Service test. (a) Scope of test. The service test evaluates a bank's record of helping to meet the credit needs of its assessment area(s) by...

12 CFR 228.24 - Service test.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Service test. 228.24 Section 228.24 Banks and... REINVESTMENT (REGULATION BB) Standards for Assessing Performance § 228.24 Service test. (a) Scope of test. The service test evaluates a bank's record of helping to meet the credit needs of its assessment area(s) by...

12 CFR 25.24 - Service test.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 1 2012-01-01 2012-01-01 false Service test. 25.24 Section 25.24 Banks and... DEPOSIT PRODUCTION REGULATIONS Regulations Standards for Assessing Performance § 25.24 Service test. (a) Scope of test. The service test evaluates a bank's record of helping to meet the credit needs of its...

12 CFR 228.24 - Service test.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 3 2011-01-01 2011-01-01 false Service test. 228.24 Section 228.24 Banks and... REINVESTMENT (REGULATION BB) Standards for Assessing Performance § 228.24 Service test. (a) Scope of test. The service test evaluates a bank's record of helping to meet the credit needs of its assessment area(s) by...

12 CFR 25.24 - Service test.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 1 2011-01-01 2011-01-01 false Service test. 25.24 Section 25.24 Banks and... DEPOSIT PRODUCTION REGULATIONS Regulations Standards for Assessing Performance § 25.24 Service test. (a) Scope of test. The service test evaluates a bank's record of helping to meet the credit needs of its...

76 FR 69270 - Agency Information Collection Activities: Submission for OMB Review; Comment Request

Federal Register 2010, 2011, 2012, 2013, 2014

2011-11-08

... Performance of Bank Services. No comments were received. Therefore, the FDIC hereby gives notice of submission... Approved Collection of Information 1. Title: Notification of Performance of Bank Services. OMB Number: 3064... relationship with a bank service corporation. Form 6120/06 (Notification of Performance of Bank Services) may...

Strategic responses to fiscal constraints: a health policy analysis of hospital-based ambulatory physical therapy services in the Greater Toronto Area (GTA).

PubMed

Landry, Michel D; Verrier, Molly C; Williams, A Paul; Zakus, David; Deber, Raisa B

2009-01-01

Ambulatory physical therapy (PT) services in Canada are required to be insured under the Canada Health Act, but only if delivered within hospitals. The present study analyzed strategic responses used by hospitals in the Greater Toronto Area (GTA) to deliver PT services in an environment of fiscal constraint. Key informant interviews (n = 47) were conducted with participants from all hospitals located within the GTA. Two primary strategic responses were identified: (1) "load shedding" through the elimination or reduction of services, and (2) "privatization" through contracting out or creating internal for-profit subsidiary clinics. All hospitals reported reductions in service delivery between 1996 and 2003, and 15.0% (7/47 hospitals) fully eliminated ambulatory services. Although only one of 47 hospitals contracted out services, another 15.0% (7/47) reported that for-profit subsidiary clinics were created within the hospital in order to access other more profitable forms of quasi-public and private funding. Strategic restructuring of services, aimed primarily at cost containment, may have yielded short-term financial savings but has also created a ripple effect across the continuum of care. Moreover, the rise of for-profit subsidiary clinics operating within not-for-profit hospitals has emerged without much public debate and with little research to evaluate its impact.

12 CFR 7.1012 - Messenger service.

Code of Federal Regulations, 2010 CFR

2010-01-01

... service” means any service, such as a courier service or armored car service, used by a national bank and... service do not advertise, or otherwise represent, that the bank itself is providing the service, although the bank may advertise that its customers may use one or more third party messenger services to...

12 CFR 206.6 - Waiver.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Waiver. 206.6 Section 206.6 Banks and Banking... bank if the primary Federal supervisor of the bank advises the Board that the bank is not reasonably able to obtain necessary services, including payment-related services and placement of funds, without...

Challenges to healthcare reform in China: profit-oriented medical practices, patients' choice of care and guanxi culture in Zhejiang province.

PubMed

Wu, Dan; Lam, Tai Pong; Lam, Kwok Fai; Zhou, Xu Dong; Sun, Kai Sing

2017-11-01

Doctors' profit-oriented practices in public institutions were widespread in China. Two major targets of the healthcare reform launched in 2009 were to curb the profit-making practices in public institutions and to encourage the citizens to use primary care. After 6 years, the status of profit-orientation of public institutions remains unknown. Compared with hospitals, there is no trend of increasing use of primary care. Our study aimed to explore the status of profit-orientation of public institutions and patients' utilization preference. The impacts of guanxi (personal relationship) on patients' utilization of healthcare and doctors' practices were also explored. From September 2014 to September 2015, we conducted focus group and individual interviews, followed by a survey with doctors (n = 1111) in Hangzhou, Zhejiang province. Thematic analysis, independent t-test and Fisher's exact test were conducted to analyse the data. This study found that 36.8% of survey respondents needed to consider making profits for their institutions, especially the hospital specialists. A total of 38.5% and 40.7% thought that their practices led to patients' worries of unnecessary drugs and tests, respectively. Doctors attributed their profit-oriented practices to institutions' agenda setting, poor salary and an organizational bonus system. Their awareness of breaching medical ethics created a guilt feeling and frustration. Nearly 65.0% reported patients' preference for hospital-based care even for minor conditions and 76.2% if the patient was a child. Ineffective gate-keeping mechanism, weak primary care and mistrust in community-based care were major reasons. More specialists than primary care practitioners (41.0 vs 21.5%, P < 0.001) said that patients would use guanxi to gain better services and 64.5% of doctors reported better dedication when patients were somehow connected. In conclusion, profit-orientated practice widely exists in public institutions. Patients generally prefer hospital-based services. Guanxi, which affects both patients' and doctors' practices, is more often used to access hospital-based services. © The Author 2017. Published by Oxford University Press in association with The London School of Hygiene and Tropical Medicine. All rights reserved. For permissions, please e-mail: journals.permissions@oup.com.

26 CFR 1.410(b)-9 - Definitions.

Code of Federal Regulations, 2010 CFR

2010-04-01

... Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES Pension, Profit-Sharing, Stock Bonus Plans, Etc. § 1.410(b)-9 Definitions. In applying this... within the meaning of section 4975(e)(7) or a tax credit employee stock ownership plan within the meaning...

26 CFR 1.410(b)-0 - Table of contents.

Code of Federal Regulations, 2010 CFR

2010-04-01

... requirement. (e) Determination of plans in testing group for average benefit percentage test. (1) In general... Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES Pension, Profit-Sharing, Stock Bonus Plans, Etc. § 1.410(b)-0 Table of contents. This...

26 CFR 1.410(b)-0 - Table of contents.

Code of Federal Regulations, 2011 CFR

2011-04-01

... requirement. (e) Determination of plans in testing group for average benefit percentage test. (1) In general... Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Pension, Profit-Sharing, Stock Bonus Plans, Etc. § 1.410(b)-0 Table of contents...

The lower saxony bank of health. rationale, principles, services, organization and architectural framework.

PubMed

Plischke, M; Wagner, M; Haarbrandt, B; Rochon, M; Schwartze, J; Tute, E; Bartkiewicz, T; Kleinschmidt, T; Seidel, C; Schüttig, H; Haux, R

2014-01-01

This article is part of a Focus Theme of METHODS of Information in Medicine on Health Record Banking. Poor communication of health care information between health care providers (HCP) is still a major problem. One recent approach is the concept of Health Record Banking. With this report we want to introduce the Lower Saxony Bank of Health (LSBH) to the international community. The main objective of this paper is to report and explain: 1) why this organization has been founded, 2) which basic principles have been set, 3) which services will be provided, 4) which type of organization has been chosen, and 5) which architectural framework has been selected. To report and discuss how we plan to achieve the intended objectives. The LSBH was founded as an entrepreneurial company, regarding itself as a neutral third-party information broker. The bank does not store medical documents on its central servers but offers a document registry with links to documents stored at participating health care providers. Subject to valid patient consent, the LSBH grants access to these documents to authorized health care providers. To implement our services, we chose the established technical frameworks of the Integrating the Healthcare Enterprise (IHE) initiative using cross-enterprise document sharing (XDS). Different approaches to establish health information exchange (HIE) are in early stages and some have failed in the past. Health Record Banking can address major challenges described in the literature about HIE. The future will show if our provider-sponsored business model is sustainable. After reaching a stable network, we intend to add additional HCPs, e.g., care homes or ambulance services, to the network.

Epithelioid Sarcoma: Opportunities for Biology-Driven Targeted Therapy.

PubMed

Noujaim, Jonathan; Thway, Khin; Bajwa, Zia; Bajwa, Ayeza; Maki, Robert G; Jones, Robin L; Keller, Charles

2015-01-01

Epithelioid sarcoma (ES) is a soft tissue sarcoma of children and young adults for which the preferred treatment for localized disease is wide surgical resection. Medical management is to a great extent undefined, and therefore for patients with regional and distal metastases, the development of targeted therapies is greatly desired. In this review, we will summarize clinically relevant biomarkers (e.g., SMARCB1, CA125, dysadherin, and others) with respect to targeted therapeutic opportunities. We will also examine the role of EGFR, mTOR, and polykinase inhibitors (e.g., sunitinib) in the management of local and disseminated disease. Toward building a consortium of pharmaceutical, academic, and non-profit collaborators, we will discuss the state of resources for investigating ES with respect to cell line resources, tissue banks, and registries so that a roadmap can be developed toward effective biology-driven therapies.

12 CFR 250.403 - Service of member bank and real estate investment company.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 32 of the Glass-Steagall Act § 250.403 Service of member bank and real estate investment company. (a) The Board recently considered two inquiries regarding the question whether proposed real estate... 12 Banks and Banking 4 2013-01-01 2013-01-01 false Service of member bank and real estate...

12 CFR 250.403 - Service of member bank and real estate investment company.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 32 of the Glass-Steagall Act § 250.403 Service of member bank and real estate investment company. (a) The Board recently considered two inquiries regarding the question whether proposed real estate... 12 Banks and Banking 4 2014-01-01 2014-01-01 false Service of member bank and real estate...

12 CFR 250.403 - Service of member bank and real estate investment company.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 32 of the Glass-Steagall Act § 250.403 Service of member bank and real estate investment company. (a) The Board recently considered two inquiries regarding the question whether proposed real estate... 12 Banks and Banking 4 2012-01-01 2012-01-01 false Service of member bank and real estate...

12 CFR 550.180 - May I perform fiduciary services for, or purchase fiduciary services from, another association or...

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 5 2011-01-01 2011-01-01 false May I perform fiduciary services for, or purchase fiduciary services from, another association or entity? 550.180 Section 550.180 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY FIDUCIARY POWERS OF SAVINGS ASSOCIATIONS...

12 CFR 550.180 - May I perform fiduciary services for, or purchase fiduciary services from, another association or...

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 5 2010-01-01 2010-01-01 false May I perform fiduciary services for, or purchase fiduciary services from, another association or entity? 550.180 Section 550.180 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY FIDUCIARY POWERS OF SAVINGS ASSOCIATIONS...

The Market Value of Information System (IS) Security: An Event Study of E-Banking Service Providers

ERIC Educational Resources Information Center

Brock, Linda

2012-01-01

Understanding the financial value resulting from IS security investments is critically important to organizations focused on protecting service confidentiality, integrity, and availability in order to preserve firm revenues and reputations. Quantifying the financial effect from IS security investments is difficult to derive. This study…

12 CFR 741.222 - Credit union service organizations.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Credit union service organizations. 741.222 Section 741.222 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT UNIONS..., including check cashing services, sale of negotiable checks, money orders, and electronic transaction...

Do HMO and its for-profit expansion jeopardize the survival of hospital safety net services?

PubMed

Shen, Yu-Chu

2009-03-01

This study examines the effect of health maintenance organizations (HMOs) and for-profit HMO share on the survival of safety net services in hospitals between 1990 and 2004. The primary data sources are the American Hospital Association Annual Surveys, the Medicare hospital cost reports, and the HMO enrollment and ownership data from Interstudy. I analyze the risks of shutting down each safety net service separately using the proportional hazard models. I find that the risks of shutting down hospital safety net services do not vary by different levels of overall HMO penetration. However, conditional on the overall HMO penetration level, increasing for-profit presence of HMO does increase the risks of shutting down several safety net services. Policies evaluating the for-profit expansion or ownership conversion of health plans should take this potential adverse effect into consideration.

The new landscape for nonprofits.

PubMed

Ryan, W P

1999-01-01

For most of this century, society's caring functions have been the work of government and charities. But social services in the United States are in a period of transition. Today the U.S. government no longer considers nonprofits to be entitled--or even best qualified--to provide social services. Profit-seeking companies like Lockheed Martin are now winning contracts for such services. William Ryan describes how government outsourcing and a new business mind-set have changed the landscape of social services. The change raises fundamental questions about the mission and future of nonprofits. Ryan attributes the growth of for-profits in the social service industry to four factors: size, capital, mobility, and responsiveness. While those attributes give for-profits an advantage in acquiring new contracts, nonprofits have not yet lost their foothold. Ryan cites examples of organizations like the YWCA and Abraxas to demonstrate various ways that nonprofits are responding--from subcontracting to partnership to outright conversion to for-profit status. By playing in the new marketplace, nonprofits will be forced to reconfigure their operations and organizations in ways that could compromise their missions. Because nonprofits now find themselves sharing territory with for-profits, sometimes as collaborators and sometimes as competitors, the distinctions between these organizations will continue to blur. The point, Ryan argues, is not whether nonprofits can survive opposition from for-profits. Many have already adjusted to the new competitive environment. The real issue is whether nonprofits can adapt without compromising the qualities that distinguish them from for-profit organizations.

29 CFR 2550.408b-6 - Statutory exemption for ancillary services by a bank or similar financial institution.

Code of Federal Regulations, 2010 CFR

2010-07-01

....408b-6 Statutory exemption for ancillary services by a bank or similar financial institution. (a) In... service is consistent with sound banking and financial practice, as determined by Federal or State... 29 Labor 9 2010-07-01 2010-07-01 false Statutory exemption for ancillary services by a bank or...

12 CFR 611.1136 - Regulation and examination of service corporations.

Code of Federal Regulations, 2014 CFR

2014-01-01

... corporations. 611.1136 Section 611.1136 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM ORGANIZATION Service Corporations § 611.1136 Regulation and examination of service corporations. (a) What regulations apply to a service corporation? Because a service corporation is formed by banks and associations...

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...

78 FR 16246 - Submission for OMB Review; Comment Request

Federal Register 2010, 2011, 2012, 2013, 2014

2013-03-14

...: Business or other for-profit organizations. Frequency: On occasion. Respondent's Obligation: Voluntary. OMB... submit to the Office of Management and Budget (OMB) for clearance the following proposal for collection..., 2013. Gwellnar Banks, Management Analyst, Office of the Chief Information Officer. [FR Doc. 2013-05870...

76 FR 28168 - Securities of Nonmember Insured Banks

Federal Register 2010, 2011, 2012, 2013, 2014

2011-05-16

... November 30, 2010. The final rule adopts amendments to the FDIC's securities disclosure regulations... bonuses and profits), 306 (insider trades during blackout periods), 401(b) (disclosure of pro forma... financial officers), and 407 (disclosure of audit committee financial experts) of the Sarbanes-Oxley Act...

12 CFR 362.12 - Service corporations of insured State savings associations.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 12 Banks and Banking 5 2013-01-01 2013-01-01 false Service corporations of insured State savings associations. 362.12 Section 362.12 Banks and Banking FEDERAL DEPOSIT INSURANCE CORPORATION REGULATIONS AND... Insured State Savings Associations § 362.12 Service corporations of insured State savings associations. (a...

12 CFR 303.222 - Service at another insured depository institution.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Service at another insured depository institution. 303.222 Section 303.222 Banks and Banking FEDERAL DEPOSIT INSURANCE CORPORATION PROCEDURE AND RULES OF PRACTICE FILING PROCEDURES Section 19 of the FDI Act (Consent to Service of Persons Convicted...

12 CFR 1408.13 - Contracting for collection services.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Contracting for collection services. 1408.13 Section 1408.13 Banks and Banking FARM CREDIT SYSTEM INSURANCE CORPORATION COLLECTION OF CLAIMS OWED THE UNITED STATES Administrative Collection of Claims § 1408.13 Contracting for collection services. The...

12 CFR 704.11 - Corporate Credit Union Service Organizations (Corporate CUSOs).

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 7 2012-01-01 2012-01-01 false Corporate Credit Union Service Organizations (Corporate CUSOs). 704.11 Section 704.11 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT UNIONS CORPORATE CREDIT UNIONS § 704.11 Corporate Credit Union Service Organizations...

12 CFR 704.11 - Corporate Credit Union Service Organizations (Corporate CUSOs).

Code of Federal Regulations, 2014 CFR

2014-01-01

... 12 Banks and Banking 7 2014-01-01 2014-01-01 false Corporate Credit Union Service Organizations (Corporate CUSOs). 704.11 Section 704.11 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT UNIONS CORPORATE CREDIT UNIONS § 704.11 Corporate Credit Union Service Organizations...

12 CFR 704.11 - Corporate Credit Union Service Organizations (Corporate CUSOs).

Code of Federal Regulations, 2013 CFR

2013-01-01

... 12 Banks and Banking 7 2013-01-01 2013-01-01 false Corporate Credit Union Service Organizations (Corporate CUSOs). 704.11 Section 704.11 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT UNIONS CORPORATE CREDIT UNIONS § 704.11 Corporate Credit Union Service Organizations...

Strategic Responses to Fiscal Constraints: A Health Policy Analysis of Hospital-Based Ambulatory Physical Therapy Services in the Greater Toronto Area (GTA)

PubMed Central

Verrier, Molly C.; Williams, A. Paul; Zakus, David; Deber, Raisa B.

2009-01-01

ABSTRACT Purpose: Ambulatory physical therapy (PT) services in Canada are required to be insured under the Canada Health Act, but only if delivered within hospitals. The present study analyzed strategic responses used by hospitals in the Greater Toronto Area (GTA) to deliver PT services in an environment of fiscal constraint. Methods: Key informant interviews (n = 47) were conducted with participants from all hospitals located within the GTA. Results: Two primary strategic responses were identified: (1) “load shedding” through the elimination or reduction of services, and (2) “privatization” through contracting out or creating internal for-profit subsidiary clinics. All hospitals reported reductions in service delivery between 1996 and 2003, and 15.0% (7/47 hospitals) fully eliminated ambulatory services. Although only one of 47 hospitals contracted out services, another 15.0% (7/47) reported that for-profit subsidiary clinics were created within the hospital in order to access other more profitable forms of quasi-public and private funding. Conclusions: Strategic restructuring of services, aimed primarily at cost containment, may have yielded short-term financial savings but has also created a ripple effect across the continuum of care. Moreover, the rise of for-profit subsidiary clinics operating within not-for-profit hospitals has emerged without much public debate and with little research to evaluate its impact. PMID:20808483

Assessment of the commercial viability of selected options for on-orbit servicing (OOS)

NASA Astrophysics Data System (ADS)

Graham, Andrew Robert; Kingston, Jennifer

2015-12-01

The aim of this paper is to determine the commercial viability of on-orbit servicing of communications satellites in geostationary orbit. Previous studies have shown the technical feasibility of servicing as well as the financial viability of some missions, in particular refuelling, therefore this paper analyses these repair missions and life extension missions. A simple parametric model for simulating communications satellite revenue streams is developed and the results are used to determine the maximum possible revenue for a servicing satellite operator. From this, the maximum cost of the servicing satellite as a proportion of the cost of the communications satellite is determined under three profit scenarios representing zero profit, acceptable profit to an operator in a mature industry and acceptable profit to an operator in an emerging industry. The results show that while servicing is financially viable (zero profit scenario), those missions which result in an increase in Comsat life which is a multiple of the mission duration are more likely to be commercially viable. Refuelling is therefore viable in all cases but life extension in most cases is only marginally viable. Repair missions to satellites which are partially operable are also unlikely to deliver sufficient value to justify carrying out servicing. Also the timing of a servicing mission in relation to the expected remaining life expectancy is a major factor in determining the mission's viability.

12 CFR 303.46 - Financial education programs that include the provision of bank products and services.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 4 2011-01-01 2011-01-01 false Financial education programs that include the provision of bank products and services. 303.46 Section 303.46 Banks and Banking FEDERAL DEPOSIT INSURANCE... Branches and Offices § 303.46 Financial education programs that include the provision of bank products and...

12 CFR 303.46 - Financial education programs that include the provision of bank products and services.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Financial education programs that include the provision of bank products and services. 303.46 Section 303.46 Banks and Banking FEDERAL DEPOSIT INSURANCE... Branches and Offices § 303.46 Financial education programs that include the provision of bank products and...

75 FR 22591 - Notice of Public Information Collection Being Reviewed by the Federal Communications Commission...

Federal Register 2010, 2011, 2012, 2013, 2014

2010-04-29

...: Extension of a currently approved collection. Respondents: Businesses or other for-profit entities; State... collection of information. Needs and Uses: 47 CFR 76.934(e) states that small cable systems may obtain an... addressed to the local franchising authorities (``LFAs'') concerning rates for basic service tiers and...

12 CFR 225.113 - Services under section 4(a) of Bank Holding Company Act.

Code of Federal Regulations, 2010 CFR

2010-01-01

... Company Act. 225.113 Section 225.113 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM BANK HOLDING COMPANIES AND CHANGE IN BANK CONTROL (REGULATION Y) Regulations Financial Holding Companies Interpretations § 225.113 Services under section 4(a) of Bank Holding...

Demand elasticities and service selection incentives among competing private health plans.

PubMed

Ellis, Randall P; Martins, Bruno; Zhu, Wenjia

2017-12-01

We examine selection incentives by health plans while refining the selection index of McGuire et al. (2014) to reflect not only service predictability and predictiveness but also variation in cost sharing, risk-adjusted profits, profit margins, and newly-refined demand elasticities across 26 disaggregated types of service. We contrast selection incentives, measured by service selection elasticities, across six plan types using privately-insured claims data from 73 large employers from 2008 to 2014. Compared to flat capitation, concurrent risk adjustment reduces the elasticity by 47%, prospective risk adjustment by 43%, simple reinsurance system by 32%, and combined concurrent risk adjustment with reinsurance by 60%. Reinsurance significantly reduces the variability of individual-level profits, but increases the correlation of expected spending with profits, which strengthens selection incentives. Copyright © 2017 Elsevier B.V. All rights reserved.

Guidelines for establishing a donor human milk depot.

PubMed

Geraghty, Sheela R; List, Betsy A; Morrow, Georgia B

2010-02-01

Human milk is the preferred choice for infant feeding. When a sick or premature infant's own mother's milk is unavailable, donor human milk is becoming more widely used. Many potential milk donors do not live within close proximity to the 10 North American not-for-profit milk banks. Transporting milk via commercial carriers can be inconvenient and costly for recipient banks. A network of donor human milk depots is one practical way to increase the quantity of available donor human milk. This article provides guidelines and practical suggestions for establishing a donor human milk depot.

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...

12 CFR 600.10 - Service of Process.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Service of Process. 600.10 Section 600.10 Banks... Procedures for Service Upon the Farm Credit Administration § 600.10 Service of Process. (a) Except as... Administration Board, 1501 Farm Credit Drive, McLean, Virginia 22102-5090. (b) Service of process upon the...

75 FR 6434 - Departmental Offices; Proposed Collection; Comment Request

Federal Register 2010, 2011, 2012, 2013, 2014

2010-02-09

... information collection. Affected Public: Private sector: Businesses or other for-profits. Estimated Number of... consumers and businesses. As an essential part of restoring confidence, the Treasury has committed to... knowing how banks have used the money that Treasury has invested through the CPP. Consequently, the...

12 CFR 240.10 - Required reporting to customers.

Code of Federal Regulations, 2014 CFR

2014-01-01

... customers. (a) Monthly statements. Each banking institution must promptly furnish to each retail forex... once every three months, a statement that clearly shows: (1) For each retail forex customer: (i) The open retail forex transactions with prices at which acquired; (ii) The net unrealized profits or losses...

About Banking.

ERIC Educational Resources Information Center

Pieslak, Raymond F.

The student manual for high school level special needs students was prepared to provide deaf students with the basic fundamentals of banking. Five units are presented covering the topics of banks and banking services, checking accounts, other services of banks, savings accounts, and other investments. Each lesson was carefully written for easy…

Hospital ownership and medical services: market mix, spillover effects, and nonprofit objectives.

PubMed

Horwitz, Jill R; Nichols, Austin

2009-09-01

Hospitals operate in markets with varied demographic, competitive, and ownership characteristics, yet research on ownership tends to examine hospitals in isolation. Here we examine three hospital ownership types -- nonprofit, for-profit, and government -- and their spillover effects. We estimate the effects of for-profit market share in two ways, on the provision of medical services and on operating margins at the three types of hospitals. We find that nonprofit hospitals' medical service provision systematically varies by market mix. We find no significant effect of market mix on the operating margins of nonprofit hospitals, but find that for-profit hospitals have higher margins in markets with more for-profits. These results fit best with theories in which hospitals maximize their own output.

12 CFR 716.13 - Exception to opt out requirements for service providers and joint marketing.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 6 2011-01-01 2011-01-01 false Exception to opt out requirements for service providers and joint marketing. 716.13 Section 716.13 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION... opt out requirements for service providers and joint marketing. (a) General rule. (1) The opt out...

12 CFR 250.400 - Service of open-end investment company.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 12 Banks and Banking 4 2014-01-01 2014-01-01 false Service of open-end investment company. 250.400 Section 250.400 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL...-Steagall Act § 250.400 Service of open-end investment company. An open-end investment company is defined in...

12 CFR 508.4 - Contents and service of the Notice or Order.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Contents and service of the Notice or Order. 508.4 Section 508.4 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY REMOVALS, SUSPENSIONS, AND PROHIBITIONS WHERE A CRIME IS CHARGED OR PROVEN § 508.4 Contents and service of...

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…

12 CFR 309.7 - Service of process.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Service of process. 309.7 Section 309.7 Banks... INFORMATION § 309.7 Service of process. (a) Service. Any subpoena or other legal process to obtain information... is named as a party, service of process shall be made pursuant to the Federal Rules of Civil...

12 CFR 225.118 - Computer services for customers of subsidiary banks.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 12 Banks and Banking 3 2014-01-01 2014-01-01 false Computer services for customers of subsidiary... (REGULATION Y) Regulations Financial Holding Companies Interpretations § 225.118 Computer services for.... (b) The Board understood from the facts presented that the service company owns a computer which it...

12 CFR 225.118 - Computer services for customers of subsidiary banks.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 12 Banks and Banking 3 2013-01-01 2013-01-01 false Computer services for customers of subsidiary... (REGULATION Y) Regulations Financial Holding Companies Interpretations § 225.118 Computer services for.... (b) The Board understood from the facts presented that the service company owns a computer which it...

12 CFR 225.118 - Computer services for customers of subsidiary banks.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 3 2012-01-01 2012-01-01 false Computer services for customers of subsidiary...) Regulations Financial Holding Companies Interpretations § 225.118 Computer services for customers of... understood from the facts presented that the service company owns a computer which it utilizes to furnish...

12 CFR 7.5007 - Correspondent services.

Code of Federal Regulations, 2010 CFR

2010-01-01

...) Item processing services and related software; (f) Document control and record keeping through the use... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Correspondent services. 7.5007 Section 7.5007... Electronic Activities § 7.5007 Correspondent services. It is part of the business of banking for a national...

12 CFR 225.118 - Computer services for customers of subsidiary banks.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 3 2011-01-01 2011-01-01 false Computer services for customers of subsidiary...) Regulations Financial Holding Companies Interpretations § 225.118 Computer services for customers of... understood from the facts presented that the service company owns a computer which it utilizes to furnish...

12 CFR 225.118 - Computer services for customers of subsidiary banks.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Computer services for customers of subsidiary...) Regulations Financial Holding Companies Interpretations § 225.118 Computer services for customers of... understood from the facts presented that the service company owns a computer which it utilizes to furnish...

Charitable Food Systems' Capacity to Address Food Insecurity: An Australian Capital City Audit.

PubMed

Pollard, Christina M; Mackintosh, Bruce; Campbell, Cathy; Kerr, Deborah; Begley, Andrea; Jancey, Jonine; Caraher, Martin; Berg, Joel; Booth, Sue

2018-06-12

Australian efforts to address food insecurity are delivered by a charitable food system (CFS) which fails to meet demand. The scope and nature of the CFS is unknown. This study audits the organisational capacity of the CFS within the 10.9 square kilometres of inner-city Perth, Western Australia. A desktop analysis of services and 12 face-to-face interviews with representatives from CFS organisations was conducted. All CFS organisations were not-for⁻profit and guided by humanitarian or faith-based values. The CFS comprised three indirect services (IS) sourcing, banking and/or distributing food to 15 direct services (DS) providing food to recipients. DS offered 30 different food services at 34 locations feeding over 5670 people/week via 16 models including mobile and seated meals, food parcels, supermarket vouchers, and food pantries. Volunteer to paid staff ratios were 33:1 (DS) and 19:1 (IS). System-wide, food was mainly donated and most funding was philanthropic. Only three organisations received government funds. No organisation had a nutrition policy. The organisational capacity of the CFS was precarious due to unreliable, insufficient and inappropriate financial, human and food resources and structures. System-wide reforms are needed to ensure adequate and appropriate food relief for Australians experiencing food insecurity.

75 FR 34213 - Submission for OMB Review; Comment Request

Federal Register 2010, 2011, 2012, 2013, 2014

2010-06-16

... participants in the CPP are utilizing TARP capital. Respondents: Private Sector: Businesses or other for-profit... continues to be available to consumers and businesses. As an essential part of restoring confidence, the... particularly interested in knowing how banks have used the money that Treasury has invested through the CPP...

For Whom Is College Being Reinvented?

ERIC Educational Resources Information Center

Carlson, Scott; Blumenstyk, Goldie

2012-01-01

Last year, leading lights in for-profit and nonprofit higher education convened in Washington for a conference on private-sector innovation in the industry. The national conversation about dysfunction and disruption in higher education was just heating up, and panelists from start-ups, banking, government, and education waxed enthusiastic about…

Data Bank 10 - Form 41 Financial Schedules of U.S. Air Carriers : third quarter : [2009

DOT National Transportation Integrated Search

2009-01-01

This CD presents financial data for large certificated U.S. carriers. Schedule B-1 presents the balance sheets of the carrier's accounting reports. Schedules P-1 and P-6 contain profit and loss data (income and expense items) for the carrier's operat...

Data Bank 10 - Form 41 Financial Schedules of US Air Carriers : second quarter : [2013

DOT National Transportation Integrated Search

2013-01-01

This CD presents financial data for large certificated U.S. carriers. Schedule B-1 presents the balance sheets of the carrier's accounting reports. Schedules P-1 and P-6 contain profit and loss data (income and expense items) for the carrier's operat...

Data Bank 10 - Form 41 Financial Schedules of US Air Carriers : second quarter : [2012

DOT National Transportation Integrated Search

2012-01-01

This CD presents financial data for large certificated U.S. carriers. Schedule B-1 presents the balance sheets of the carrier's accounting reports. Schedules P-1 and P-6 contain profit and loss data (income and expense items) for the carrier's operat...

Data Bank 10 - Form 41 Financial Schedules of US Air Carriers : fourth quarter : [2011

DOT National Transportation Integrated Search

2011-01-01

This CD presents financial data for large certificated U.S. carriers. Schedule B-1 presents the balance sheets of the carrier's accounting reports. Schedules P-1 and P-6 contain profit and loss data (income and expense items) for the carrier's operat...

Data Bank 10 - Form 41 Financial Schedules of US Air Carriers : fourth quarter : [2013

DOT National Transportation Integrated Search

2013-01-01

This CD presents financial data for large certificated U.S. carriers. Schedule B-1 presents the balance sheets of the carrier's accounting reports. Schedules P-1 and P-6 contain profit and loss data (income and expense items) for the carrier's operat...

Data Bank 10 - Form 41 Financial Schedules of US Air Carriers : first quarter : [2012

DOT National Transportation Integrated Search

2012-01-01

This CD presents financial data for large certificated U.S. carriers. Schedule B-1 presents the balance sheets of the carrier's accounting reports. Schedules P-1 and P-6 contain profit and loss data (income and expense items) for the carrier's operat...

Data Bank 10 - Form 41 Financial Schedules of US Air Carriers : third quarter : [2010

DOT National Transportation Integrated Search

2010-01-01

This CD presents financial data for large certificated U.S. carriers. Schedule B-1 presents the balance sheets of the carrier's accounting reports. Schedules P-1 and P-6 contain profit and loss data (income and expense items) for the carrier's operat...

Data Bank 10 - Form 41 Financial Schedules of US Air Carriers : first quarter : [2011

DOT National Transportation Integrated Search

2011-01-01

This CD presents financial data for large certificated U.S. carriers. Schedule B-1 presents the balance sheets of the carrier's accounting reports. Schedules P-1 and P-6 contain profit and loss data (income and expense items) for the carrier's operat...

Data Bank 10 - Form 41 Financial Schedules of U.S. Air Carriers : third quarter : [2008

DOT National Transportation Integrated Search

2008-01-01

This CD presents financial data for large certificated U.S. carriers. Schedule B-1 presents the balance sheets of the carrier's accounting reports. Schedules P-1 and P-6 contain profit and loss data (income and expense items) for the carrier's operat...

Data Bank 10 - Form 41 Financial Schedules of US Air Carriers : first quarter : [2013

DOT National Transportation Integrated Search

2013-01-01

This CD presents financial data for large certificated U.S. carriers. Schedule B-1 presents the balance sheets of the carrier's accounting reports. Schedules P-1 and P-6 contain profit and loss data (income and expense items) for the carrier's operat...

Data Bank 10 - Form 41 Financial Schedules of US Air Carriers : second quarter : [2010

DOT National Transportation Integrated Search

2010-01-01

This CD presents financial data for large certificated U.S. carriers. Schedule B-1 presents the balance sheets of the carrier's accounting reports. Schedules P-1 and P-6 contain profit and loss data (income and expense items) for the carrier's operat...

Data Bank 10 - Form 41 Financial Schedules of US Air Carriers : first quarter : [2010

DOT National Transportation Integrated Search

2010-01-01

This CD presents financial data for large certificated U.S. carriers. Schedule B-1 presents the balance sheets of the carrier's accounting reports. Schedules P-1 and P-6 contain profit and loss data (income and expense items) for the carrier's operat...

Data Bank 10 - Form 41 Financial Schedules of US Air Carriers : first quarter : [2014

DOT National Transportation Integrated Search

2014-01-01

This CD presents financial data for large certificated U.S. carriers. Schedule B-1 presents the balance sheets of the carrier's accounting reports. Schedules P-1 and P-6 contain profit and loss data (income and expense items) for the carrier's operat...

Data Bank 10 - Form 41 Financial Schedules of U.S. Air Carriers : first quarter : [2009

DOT National Transportation Integrated Search

2009-01-01

This CD presents financial data for large certificated U.S. carriers. Schedule B-1 presents the balance sheets of the carrier's accounting reports. Schedules P-1 and P-6 contain profit and loss data (income and expense items) for the carrier's operat...

Data Bank 10 - Form 41 Financial Schedules of US Air Carriers : fourth quarter : [2010

DOT National Transportation Integrated Search

2010-01-01

This CD presents financial data for large certificated U.S. carriers. Schedule B-1 presents the balance sheets of the carrier's accounting reports. Schedules P-1 and P-6 contain profit and loss data (income and expense items) for the carrier's operat...

Data Bank 10 - Form 41 Financial Schedules of US Air Carriers : third quarter : [2011

DOT National Transportation Integrated Search

2011-01-01

This CD presents financial data for large certificated U.S. carriers. Schedule B-1 presents the balance sheets of the carrier's accounting reports. Schedules P-1 and P-6 contain profit and loss data (income and expense items) for the carrier's operat...

Data Bank 10 - Form 41 Financial Schedules of US Air Carriers : third quarter : [2013

DOT National Transportation Integrated Search

2013-01-01

This CD presents financial data for large certificated U.S. carriers. Schedule B-1 presents the balance sheets of the carrier's accounting reports. Schedules P-1 and P-6 contain profit and loss data (income and expense items) for the carrier's operat...

Data Bank 10 - Form 41 Financial Schedules of US Air Carriers : second quarter : [2011

DOT National Transportation Integrated Search

2011-01-01

This CD presents financial data for large certificated U.S. carriers. Schedule B-1 presents the balance sheets of the carrier's accounting reports. Schedules P-1 and P-6 contain profit and loss data (income and expense items) for the carrier's operat...

Data Bank 10 - Form 41 Financial Schedules of U.S. Air Carriers : fourth quarter : [2008

DOT National Transportation Integrated Search

2008-01-01

This CD presents financial data for large certificated U.S. carriers. Schedule B-1 presents the balance sheets of the carrier's accounting reports. Schedules P-1 and P-6 contain profit and loss data (income and expense items) for the carrier's operat...

Data Bank 10 - Form 41 Financial Schedules of US Air Carriers : third quarter : [2012

DOT National Transportation Integrated Search

2012-01-01

This CD presents financial data for large certificated U.S. carriers. Schedule B-1 presents the balance sheets of the carrier's accounting reports. Schedules P-1 and P-6 contain profit and loss data (income and expense items) for the carrier's operat...

Data Bank 10 - Form 41 Financial Schedules of U.S. Air Carriers : fourth quarter : [2009

DOT National Transportation Integrated Search

2009-01-01

This CD presents financial data for large certificated U.S. carriers. Schedule B-1 presents the balance sheets of the carrier's accounting reports. Schedules P-1 and P-6 contain profit and loss data (income and expense items) for the carrier's operat...

Data Bank 10 - Form 41 Financial Schedules of US Air Carriers : fourth quarter : [2012

DOT National Transportation Integrated Search

2012-01-01

This CD presents financial data for large certificated U.S. carriers. Schedule B-1 presents the balance sheets of the carrier's accounting reports. Schedules P-1 and P-6 contain profit and loss data (income and expense items) for the carrier's operat...

Data Bank 10 - Form 41 Financial Schedules of U.S. Air Carriers : second quarter : [2009

DOT National Transportation Integrated Search

2009-01-01

This CD presents financial data for large certificated U.S. carriers. Schedule B-1 presents the balance sheets of the carrier's accounting reports. Schedules P-1 and P-6 contain profit and loss data (income and expense items) for the carrier's operat...

Data Bank 10 - Form 41 Financial Schedules of U.S. Air Carriers : second quarter : [2008

DOT National Transportation Integrated Search

2008-01-01

This CD presents financial data for large certificated U.S. carriers. Schedule B-1 presents the balance sheets of the carrier's accounting reports. Schedules P-1 and P-6 contain profit and loss data (income and expense items) for the carrier's operat...

75 FR 2928 - Submission for OMB Review; Comment Request

Federal Register 2010, 2011, 2012, 2013, 2014

2010-01-19

... before February 18, 2010 to be assured of consideration. Bureau of Public Debt (BPD) OMB Number: 1535... Number: 1535-0087. Type of Review: Revision. Title: Payment by banks and other financial institutions of... for-profits. Estimated Total Burden Hours: 45,896 hours. OMB Number: 1535-0089. Type of Review...

Private Placement Debt Financing for Public Entities

ERIC Educational Resources Information Center

Holman, Lance S.

2010-01-01

Private placement financing is a debt or capital lease obligation arranged between a municipality or a 501(c) (3) not-for-profit organization and a single sophisticated institutional investor. The investor can be a bank, insurance company, finance company, hedge fund, or high-net worth individual. Private placement financing is similar to…

The impact of managed competition on diversity, innovation and creativity in the delivery of home-care services.

PubMed

Randall, Glen E

2008-07-01

Reforming publicly funded healthcare systems by introducing elements of competition, often by allowing for-profit providers to compete with not-for-profit providers, is a strategy that has become commonplace in Western democracies. It is widely thought that the competitive forces of the marketplace will lead to greater efficiency, diversity and even innovation in the delivery of services. Between 1997 and 2000, a model of 'managed competition' was introduced as a major reform to the delivery of home-care services in Ontario, Canada. It was expected that by allowing greater competition within the home-care sector, this model would constrain costs and encourage provider agencies to become more innovative and creative in meeting service delivery needs. The purpose of this case study is to explore the impact of the managed competition reform on the for-profit and the not-for-profit organisations that provided rehabilitation home-care services, and, more specifically, to assess the extent to which the goal of greater diversity, innovation and creativity was achieved following implementation of the reform. A purposive sample of 49 key informants were selected for in-depth interviews, and a survey of the 36 organisations that provided rehabilitation home-care services and the 43 community care access centres that purchased services from these provider agencies was conducted. Data were collected between November 2002 and May 2003. Findings demonstrate that a combination of coercive, mimetic and normative isomorphic pressures have constrained diversity, innovation and creativity within the home-care sector. The implication is that the features that have traditionally distinguished for-profit and not-for-profit provider agencies from each other are rapidly disappearing, and a new hybrid organisational structure is evolving.

12 CFR 1408.27 - Offset against amounts payable from Civil Service Retirement and Disability Fund.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Offset against amounts payable from Civil Service Retirement and Disability Fund. 1408.27 Section 1408.27 Banks and Banking FARM CREDIT SYSTEM INSURANCE CORPORATION COLLECTION OF CLAIMS OWED THE UNITED STATES Administrative Offset § 1408.27 Offset against amounts payable from Civil Service...

12 CFR 716.13 - Exception to opt out requirements for service providers and joint marketing.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Exception to opt out requirements for service providers and joint marketing. 716.13 Section 716.13 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT UNIONS PRIVACY OF CONSUMER FINANCIAL INFORMATION Exceptions § 716.13 Exception to opt out requirements for servic...

Tufts Learns How Far a Big Gift Can Go

ERIC Educational Resources Information Center

Masterson, Kathryn

2009-01-01

In 2005, eBay's founder gave Tufts University $100-million dollars with an unusual stipulation: The money was to be invested in the burgeoning field of microfinance and used to provide small-business loans and other financial services to poor people around the world. The university would make money if the investments were profitable. The author…

12 CFR 7.5002 - Furnishing of products and services by electronic means and facilities.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 1 2011-01-01 2011-01-01 false Furnishing of products and services by electronic means and facilities. 7.5002 Section 7.5002 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY BANK ACTIVITIES AND OPERATIONS Electronic Activities § 7.5002 Furnishing of...

78 FR 63499 - Amended Certification Regarding Eligibility To Apply for Worker Adjustment Assistance

Federal Register 2010, 2011, 2012, 2013, 2014

2013-10-24

... SunTrust Bank, SunTrust Banks, Inc., Enterprise Information Services (EIS), Richmond, Virginia. The... separations at other SunTrust Bank locations are also attributable to the acquisition of services that was the...,658 is hereby issued as follows: All workers of SunTrust Bank, SunTrust Banks, Inc., Enterprise...

Rule-based statistical data mining agents for an e-commerce application

NASA Astrophysics Data System (ADS)

Qin, Yi; Zhang, Yan-Qing; King, K. N.; Sunderraman, Rajshekhar

2003-03-01

Intelligent data mining techniques have useful e-Business applications. Because an e-Commerce application is related to multiple domains such as statistical analysis, market competition, price comparison, profit improvement and personal preferences, this paper presents a hybrid knowledge-based e-Commerce system fusing intelligent techniques, statistical data mining, and personal information to enhance QoS (Quality of Service) of e-Commerce. A Web-based e-Commerce application software system, eDVD Web Shopping Center, is successfully implemented uisng Java servlets and an Oracle81 database server. Simulation results have shown that the hybrid intelligent e-Commerce system is able to make smart decisions for different customers.

Translations on Western Europe, Number 1082

DTIC Science & Technology

1977-06-13

in television? The line is roughly marked out by the figure of Hans Jacobs, chief final editor of "Behind the News." A program which in the late 60* s ...succeeded in no longer making any decision of any importance since the late 50* s . A committee of Good Services, which concentrated itself, in the...Wallenberg held a similar press conference, at which he began by saying: "We have decided to start a new bank (the S -E Bank.) This time he was

12 CFR 611.1135 - Incorporation of service corporations.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 6 2011-01-01 2011-01-01 false Incorporation of service corporations. 611.1135... Organizations § 611.1135 Incorporation of service corporations. (a) What is the process for chartering a service corporation? A Farm Credit bank or association (you or your) may organize a corporation acting alone or with...

12 CFR 611.1135 - Incorporation of service corporations.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 12 Banks and Banking 7 2014-01-01 2014-01-01 false Incorporation of service corporations. 611.1135... Corporations § 611.1135 Incorporation of service corporations. (a) What is the process for chartering a service corporation? A Farm Credit bank or association (you or your) may organize a corporation acting alone or with...

12 CFR 611.1135 - Incorporation of service corporations.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 12 Banks and Banking 7 2013-01-01 2013-01-01 false Incorporation of service corporations. 611.1135... Organizations § 611.1135 Incorporation of service corporations. (a) What is the process for chartering a service corporation? A Farm Credit bank or association (you or your) may organize a corporation acting alone or with...

12 CFR 561.45 - Service corporation.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 12 Banks and Banking 6 2014-01-01 2012-01-01 true Service corporation. 561.45 Section 561.45 Banks... AFFECTING ALL SAVINGS ASSOCIATIONS § 561.45 Service corporation. The term service corporation means any corporation, the majority of the capital stock of which is owned by one or more savings associations and which...

12 CFR 611.1135 - Incorporation of service corporations.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 7 2012-01-01 2012-01-01 false Incorporation of service corporations. 611.1135... Organizations § 611.1135 Incorporation of service corporations. (a) What is the process for chartering a service corporation? A Farm Credit bank or association (you or your) may organize a corporation acting alone or with...

12 CFR 561.45 - Service corporation.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 12 Banks and Banking 6 2013-01-01 2012-01-01 true Service corporation. 561.45 Section 561.45 Banks... AFFECTING ALL SAVINGS ASSOCIATIONS § 561.45 Service corporation. The term service corporation means any corporation, the majority of the capital stock of which is owned by one or more savings associations and which...

Agency ownership, patient payment source, and length of service in home care, 1992 2000.

PubMed

Han, Beth; McAuley, William J; Remsburg, Robin E

2007-08-01

Little is known about whether an association exists between agency ownership and length of service among home care patients with different payment sources. This study investigated how for-profit and not-for-profit agencies responded to policy changes in the 1990s with respect to length of service. We examined length of service among 37,364 home care patients using the 1992, 1994, 1996, 1998, and 2000 National Home and Hospice Care Surveys. We used Kaplan-Meier methods and Cox regression models. After we adjusted for patient and agency characteristics, our results revealed that agency ownership was not associated with length of service for patients with private insurance, Medicare, Medicaid, Medicare plus Medicaid, or Medicare plus private insurance. This finding was consistent from 1992 through 2000. Length of service among patients with Medicare decreased significantly from 1998 through 2000, but length of service among patients with Medicaid did not change significantly from 1992 through 2000. Agency ownership is not associated with patient length of service in home care. Regardless of the policy changes in the home care arena in the 1990s, for-profit and not-for-profit home health agencies behaved similarly with regard to length of service among patients within differently structured payment systems.

12 CFR 7.5006 - Data processing.

Code of Federal Regulations, 2010 CFR

2010-01-01

... banking functions. A national bank may produce, market, or sell software that performs services or... services, facilities (including equipment, technology, and personnel), data bases, advice and access to such services, facilities, data bases and advice, for itself and for others, where the data is banking...

Assessing the Growth of Ethical Banking: Some Evidence from Spanish Customers

PubMed Central

Callejas-Albiñana, Fernando E.; Martínez-Rodríguez, Isabel; Callejas-Albiñana, Ana I.; de Vidales-Carrasco, Irene M.

2017-01-01

Aristotle, who, having predated Adam Smith by 2000 years, deserves to be recognized as the world’s first economist (Solomon, 1995), distinguished between two different senses of what we call economics: oikonomikos, or household trading, which he approved of and considered essential to the working of any even slightly complex society, and chrematisike, or trade for profit, which he considered selfish and utterly devoid of virtue, calling those who engaged in such practices “parasites”. Of course, consumers do not purchase and invest for solely economic reasons (Polanyi, 1944). Interest in ethics in economics has been the subject of continuous study. In this regard, the recent financial crisis has had not only economic, but also social, psychological, political, and ethical consequences, which have impacted the financial and banking system. Consumers are no longer drawn only by the economic return but also by ethical factors. Ethical banking is on the rise. This paper aims to explain the reasons for the growth in ethical banking and to answer the following questions: can banking consumers-investors change the characterization of the banking system? Can ethical banking gain ground on traditional banking? And is ethical banking really effective? To this end, it will examine the Spanish case, using econometric causal regression models to identify the reasons why consumers decide to invest in ethical banking and determine its role in the Spanish economy. PMID:28596742

Assessing the Growth of Ethical Banking: Some Evidence from Spanish Customers.

PubMed

Callejas-Albiñana, Fernando E; Martínez-Rodríguez, Isabel; Callejas-Albiñana, Ana I; de Vidales-Carrasco, Irene M

2017-01-01

Aristotle, who, having predated Adam Smith by 2000 years, deserves to be recognized as the world's first economist (Solomon, 1995), distinguished between two different senses of what we call economics : oikonomikos , or household trading, which he approved of and considered essential to the working of any even slightly complex society, and chrematisike , or trade for profit, which he considered selfish and utterly devoid of virtue, calling those who engaged in such practices "parasites". Of course, consumers do not purchase and invest for solely economic reasons (Polanyi, 1944). Interest in ethics in economics has been the subject of continuous study. In this regard, the recent financial crisis has had not only economic, but also social, psychological, political, and ethical consequences, which have impacted the financial and banking system. Consumers are no longer drawn only by the economic return but also by ethical factors. Ethical banking is on the rise. This paper aims to explain the reasons for the growth in ethical banking and to answer the following questions: can banking consumers-investors change the characterization of the banking system? Can ethical banking gain ground on traditional banking? And is ethical banking really effective? To this end, it will examine the Spanish case, using econometric causal regression models to identify the reasons why consumers decide to invest in ethical banking and determine its role in the Spanish economy.

12 CFR 40.13 - Exception to opt out requirements for service providers and joint marketing.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Exception to opt out requirements for service providers and joint marketing. 40.13 Section 40.13 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY PRIVACY OF CONSUMER FINANCIAL INFORMATION Exceptions § 40.13 Exception to opt out requirements for service providers and join...

12 CFR 573.13 - Exception to opt out requirements for service providers and joint marketing.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Exception to opt out requirements for service providers and joint marketing. 573.13 Section 573.13 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY PRIVACY OF CONSUMER FINANCIAL INFORMATION Exceptions § 573.13 Exception to opt out requirements for service providers and...

The role of private non-profit healthcare organizations in NHS systems: Implications for the Portuguese hospital devolution program.

PubMed

Almeida, Álvaro S

2017-06-01

The national health services (NHS) of England, Portugal, Finland and other single-payer universalist systems financed by general taxation, are based on the theoretical principle of an integrated public sector payer-provider. However, in practice one can find different forms of participation of non-public healthcare providers in those NHS, including private for profit providers, but also third sector non-profit organizations (NPO). This paper reviews the role of non-public non-profit healthcare organizations in NHS systems. By crossing a literature review on privatization of national health services with a literature review on the comparative performance of non-profit and for-profit healthcare organizations, this paper assesses the impact of contracting private non-profit healthcare organizations on the efficiency, quality and responsiveness of services, in public universal health care systems. The results of the review were then compared to the existing evidence on the Portuguese hospital devolution to NPO program. The evidence in this paper suggests that NHS health system reforms that transfer some public-sector hospitals to NPO should deliver improvements to the health system with minimal downside risks. The very limited existing evidence on the Portuguese hospital devolution program suggests it improved efficiency and access, without sacrificing quality. Copyright © 2017 Elsevier B.V. All rights reserved.

Proprietary Hospital Social Work: What Do We Know?

ERIC Educational Resources Information Center

Ortiz, Elizabeth Thompson; Bassoff, Betty Z.

The rapid growth of the proprietary sector in the provision of social services creates a challenge for the social work profession. Little is known about social work services in for-profit organizations or about how they compare to similar non-profit settings. A comparative study was conducted of social work services in proprietary and non-profit…

31 CFR 1020.630 - Prohibition on correspondent accounts for foreign shell banks; records concerning owners of...

Code of Federal Regulations, 2011 CFR

2011-07-01

... 31 Money and Finance:Treasury 3 2011-07-01 2011-07-01 false Prohibition on correspondent accounts for foreign shell banks; records concerning owners of foreign banks and agents for service of legal... foreign shell banks; records concerning owners of foreign banks and agents for service of legal process...

75 FR 12747 - FDIC Advisory Committee on Economic Inclusion (ComE-IN); Notice of Meeting

Federal Register 2010, 2011, 2012, 2013, 2014

2010-03-17

.... SUMMARY: In accordance with the Federal Advisory Committee Act, notice is hereby given of a meeting of the... Committee will provide advice and recommendations on initiatives to expand access to banking services by...

78 FR 25442 - FDIC Advisory Committee on Economic Inclusion (ComE-IN); Notice of Meeting

Federal Register 2010, 2011, 2012, 2013, 2014

2013-05-01

.... SUMMARY: In accordance with the Federal Advisory Committee Act, notice is hereby given of a meeting of the... Committee will provide advice and recommendations on initiatives to expand access to banking services by...

77 FR 21773 - FDIC Advisory Committee on Economic Inclusion (ComE-IN); Notice of Meeting

Federal Register 2010, 2011, 2012, 2013, 2014

2012-04-11

.... SUMMARY: In accordance with the Federal Advisory Committee Act, notice is hereby given of a meeting of the... Committee will provide advice and recommendations on initiatives to expand access to banking services by...

77 FR 71001 - FDIC Advisory Committee on Economic Inclusion (ComE-IN); Notice of Meeting

Federal Register 2010, 2011, 2012, 2013, 2014

2012-11-28

.... SUMMARY: In accordance with the Federal Advisory Committee Act, notice is hereby given of a meeting of the... Committee will provide advice and recommendations on initiatives to expand access to banking services by...

76 FR 28778 - FDIC Advisory Committee on Economic Inclusion (ComE-IN); Notice of Meeting

Federal Register 2010, 2011, 2012, 2013, 2014

2011-05-18

.... SUMMARY: In accordance with the Federal Advisory Committee Act, notice is hereby given of a meeting of the... Committee will provide advice and recommendations on initiatives to expand access to banking services by...

75 FR 32778 - FDIC Advisory Committee on Economic Inclusion (ComE-IN); Notice of Meeting

Federal Register 2010, 2011, 2012, 2013, 2014

2010-06-09

.... SUMMARY: In accordance with the Federal Advisory Committee Act, notice is hereby given of a meeting of the... Committee will provide advice and recommendations on initiatives to expand access to banking services by...

77 FR 52031 - FDIC Advisory Committee on Economic Inclusion (ComE-IN); Notice of Meeting

Federal Register 2010, 2011, 2012, 2013, 2014

2012-08-28

.... SUMMARY: In accordance with the Federal Advisory Committee Act, notice is hereby given of a meeting of the... Committee will provide advice and recommendations on initiatives to expand access to banking services by...

75 FR 67091 - FDIC Advisory Committee on Economic Inclusion (ComE-IN); Notice of Meeting

Federal Register 2010, 2011, 2012, 2013, 2014

2010-11-01

.... SUMMARY: In accordance with the Federal Advisory Committee Act, notice is hereby given of a meeting of the... Committee will provide advice and recommendations on initiatives to expand access to banking services by...

76 FR 8738 - FDIC Advisory Committee on Economic Inclusion (ComE-IN); Notice of Meeting

Federal Register 2010, 2011, 2012, 2013, 2014

2011-02-15

.... SUMMARY: In accordance with the Federal Advisory Committee Act, notice is hereby given of a meeting of the... Committee will provide advice and recommendations on initiatives to expand access to banking services by...

76 FR 71033 - FDIC Advisory Committee on Economic Inclusion (ComE-IN); Notice of Meeting

Federal Register 2010, 2011, 2012, 2013, 2014

2011-11-16

.... SUMMARY: In accordance with the Federal Advisory Committee Act, notice is hereby given of a meeting of the... Committee will provide advice and recommendations on initiatives to expand access to banking services by...

78 FR 58537 - FDIC Advisory Committee on Economic Inclusion (ComE-IN); Notice of Meeting

Federal Register 2010, 2011, 2012, 2013, 2014

2013-09-24

.... SUMMARY: In accordance with the Federal Advisory Committee Act, notice is hereby given of a meeting of the... Committee will provide advice and recommendations on initiatives to expand access to banking services by...

12 CFR 22.10 - Notice of servicer's identity.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Notice of servicer's identity. 22.10 Section 22... SPECIAL FLOOD HAZARDS § 22.10 Notice of servicer's identity. (a) Notice requirement. When a bank makes... designee) in writing of the identity of the servicer of the loan. The Director of FEMA has designated the...

12 CFR 22.10 - Notice of servicer's identity.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 12 Banks and Banking 1 2014-01-01 2014-01-01 false Notice of servicer's identity. 22.10 Section 22... SPECIAL FLOOD HAZARDS § 22.10 Notice of servicer's identity. (a) Notice requirement. When a bank makes... designee) in writing of the identity of the servicer of the loan. The Director of FEMA has designated the...

12 CFR 22.10 - Notice of servicer's identity.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 1 2012-01-01 2012-01-01 false Notice of servicer's identity. 22.10 Section 22... SPECIAL FLOOD HAZARDS § 22.10 Notice of servicer's identity. (a) Notice requirement. When a bank makes... designee) in writing of the identity of the servicer of the loan. The Director of FEMA has designated the...

12 CFR 22.10 - Notice of servicer's identity.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 1 2011-01-01 2011-01-01 false Notice of servicer's identity. 22.10 Section 22... SPECIAL FLOOD HAZARDS § 22.10 Notice of servicer's identity. (a) Notice requirement. When a bank makes... designee) in writing of the identity of the servicer of the loan. The Director of FEMA has designated the...

12 CFR 22.10 - Notice of servicer's identity.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 12 Banks and Banking 1 2013-01-01 2013-01-01 false Notice of servicer's identity. 22.10 Section 22... SPECIAL FLOOD HAZARDS § 22.10 Notice of servicer's identity. (a) Notice requirement. When a bank makes... designee) in writing of the identity of the servicer of the loan. The Director of FEMA has designated the...

Profit Is Not a Dirty Word: The Role of Money in Education.

ERIC Educational Resources Information Center

Payne, James L.

1996-01-01

In "Corporate School Takeovers," the National Education Association expresses indignation over profit making by private companies providing services to schools. Argues that profits are a way of recognizing costs that exist in all school settings. The seeking of profits is no more selfish than the seeking of higher salaries, promotions,…

12 CFR 618.8040 - Authorized insurance services.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 618.8040 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM GENERAL PROVISIONS Member Insurance § 618.8040 Authorized insurance services. (a) Farm Credit System banks (excluding banks for... member's or borrower's farm or aquatic unit is permitted, but limited to hail and multiple-peril crop...

12 CFR 618.8040 - Authorized insurance services.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 618.8040 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM GENERAL PROVISIONS Member Insurance § 618.8040 Authorized insurance services. (a) Farm Credit System banks (excluding banks for... member's or borrower's farm or aquatic unit is permitted, but limited to hail and multiple-peril crop...

12 CFR 618.8040 - Authorized insurance services.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 618.8040 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM GENERAL PROVISIONS Member Insurance § 618.8040 Authorized insurance services. (a) Farm Credit System banks (excluding banks for... member's or borrower's farm or aquatic unit is permitted, but limited to hail and multiple-peril crop...

Application of Quality Assurance Strategies in Diagnostics and Clinical Support Services in Iranian Hospitals

PubMed Central

Aghaei Hashjin, Asgar; Kringos, Dionne; Ravaghi, Hamid; Manoochehri, Jila; Gorji, Hassan Abolghasem; Klazinga, Niek S.

2015-01-01

Background: Iran has a widespread diagnostics and clinical support services (DCSS) network that plays a crucial role in providing diagnostic and clinical support services to both inpatient and outpatient care. However, very little is known on the application of quality assurance (QA) policies in DCSS units. This study explores the extent of application of eleven QA strategies in DCSS units within Iranian hospitals and its association with hospital characteristics. Methods: A descriptive cross-sectional study was conducted in 2009/2010. Data were collected from 554 DCSS units among 84 hospitals. Results: The average reported application rate for the QA strategies ranged from 57%-94% in the DCSS units. Most frequently reported were checking drugs expiration dates (94%), pharmacopoeia availability (92%), equipment calibration (87%) and identifying responsibilities (86%). Least reported was external auditing of the DCSS (57%). The clinical chemistry and microbiology laboratories (84%), pharmacies, blood bank services (83%) reported highest average application rates across all questioned QA strategies. Lowest application rates were reported in human tissue banks (50%). There was no significant difference between the reported application rates in DCSS in the general/specialized, teaching/research, nonteaching/research hospitals with the exception of pharmacies and radiology departments. They reported availability of a written QA plan significantly more often in research hospitals. Nearly all QA strategies were reported to be applied significantly more often in the DCSS of Social Security Organization (SSO) and private-for-profit hospitals than in governmental hospitals. Conclusion: There is still room for strengthening the managerial cycle of QA systems and accountability in the DCSS in Iranian hospitals. Getting feedback, change and learning through application of specific QA strategies (eg, external/internal audits) can be improved. Both the effectiveness of QA strategies in practice, and the application of these strategies in outpatient DCSS units require further policy attention. PMID:26673175

Application of Quality Assurance Strategies in Diagnostics and Clinical Support Services in Iranian Hospitals.

PubMed

Aghaei Hashjin, Asgar; Kringos, Dionne; Ravaghi, Hamid; Manoochehri, Jila; Gorji, Hassan Abolghasem; Klazinga, Niek S

2015-05-20

Iran has a widespread diagnostics and clinical support services (DCSS) network that plays a crucial role in providing diagnostic and clinical support services to both inpatient and outpatient care. However, very little is known on the application of quality assurance (QA) policies in DCSS units. This study explores the extent of application of eleven QA strategies in DCSS units within Iranian hospitals and its association with hospital characteristics. A descriptive cross-sectional study was conducted in 2009/2010. Data were collected from 554 DCSS units among 84 hospitals. The average reported application rate for the QA strategies ranged from 57%-94% in the DCSS units. Most frequently reported were checking drugs expiration dates (94%), pharmacopoeia availability (92%), equipment calibration (87%) and identifying responsibilities (86%). Least reported was external auditing of the DCSS (57%). The clinical chemistry and microbiology laboratories (84%), pharmacies, blood bank services (83%) reported highest average application rates across all questioned QA strategies. Lowest application rates were reported in human tissue banks (50%). There was no significant difference between the reported application rates in DCSS in the general/specialized, teaching/research, nonteaching/research hospitals with the exception of pharmacies and radiology departments. They reported availability of a written QA plan significantly more often in research hospitals. Nearly all QA strategies were reported to be applied significantly more often in the DCSS of Social Security Organization (SSO) and private-for-profit hospitals than in governmental hospitals. There is still room for strengthening the managerial cycle of QA systems and accountability in the DCSS in Iranian hospitals. Getting feedback, change and learning through application of specific QA strategies (eg, external/internal audits) can be improved. Both the effectiveness of QA strategies in practice, and the application of these strategies in outpatient DCSS units require further policy attention. © 2015 by Kerman University of Medical Sciences.

Measuring the post-adoption customer perception of mobile banking services.

PubMed

Yu, Tai-Kuei; Fang, Kwoting

2009-02-01

With liberalization and internalization in the financial market and progress in information technology, banks face dual competitive pressures to provide service quality and administrative efficiency. That these recent developments are fueled by technology might misleadingly suggest that the adoption of mobile banking is largely based on technological criteria. The purpose of this study is to establish a better measurement model for postadoption user perception of mobile banking services. Based on 458 valid responses of mobile banking users, the results show that the instrument, consisting of 21 items and 6 factors, is a reliable, valid, and useful measurement for assessing the postadoption perception of mobile banking.

77 FR 1666 - Proposed Information Collection; Comment Request; Statement by Ultimate Consignee and Purchaser

Federal Register 2010, 2011, 2012, 2013, 2014

2012-01-11

... end-use and end-user of the U.S. origin commodities to be exported. The information will assist the... information collection). Affected Public: Business or other for-profit organizations. Estimated Number of... become a matter of public record. Dated: January 5, 2012. Gwellnar Banks, Management Analyst, Office of...

12 CFR 618.8000 - Definitions.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

12 CFR 7.4005 - Combination of loan production office, deposit production office, and remote service unit.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Combination of loan production office, deposit production office, and remote service unit. 7.4005 Section 7.4005 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY BANK ACTIVITIES AND OPERATIONS Preemption § 7.4005 Combination of loan production office, deposit production...

Report of the Special Task Force to Study Not-for-Profit Hospitals and Unsponsored Charity Care.

PubMed

Anderson, R J; Milburn, L T

1990-04-01

Texas not-for-profit hospitals recently received intense scrutiny regarding their involvement in charity-related contributions when Texas Attorney General Jim Mattox formed the Task Force to Study Not-for-Profit Hospitals and Unsponsored Charity Care. This article details the task force's recommendations concerning charity care obligations of Texas not-for-profit hospitals. Setting the stage for these recommendations was a broad definition of charitable services that included costs for delivering services to indigents and for providing community services to fulfill the hospital's charitable, religious, educational, research, or eleemosynary purposes. The task force unanimously agreed that a mandated level of charity care was incongruent with the hospitals' individual missions and specific community needs, but they supported the formation of standard accounting procedures for charitable services and the voluntary submission of their mission statements to the attorney general of Texas. While the hospitals' role in providing charitable services is very important, the task force emphasized that the overall need for adequate financing and reimbursement of health care is a societal problem that needs specific state and federal actions.

A national study of the provision of oncology sperm banking services among Canadian fertility clinics.

PubMed

Yee, S; Buckett, W; Campbell, S; Yanofsky, R A; Barr, R D

2013-07-01

The purpose of this study was to survey the current state of oncology sperm banking services provided by fertility clinics across Canada. A total of 78 Canadian fertility facilities were invited to complete a questionnaire related to the availability, accessibility, affordability and utilisation of sperm banking services for cancer patients. The total response rate was 59%, with 20 (69%) in vitro fertilisation clinics and 26 (53%) other fertility centres returning the survey. A total of 24 responding facilities accepted oncology sperm banking referrals. The time frame to book the first banking appointment for 19 (79%) facilities was within 2 days. Inconsistent practice was found regarding the consent process for cancer patients who are of minority age. Eight (33%) facilities did not provide any subsidy and charged a standard banking fee regardless of patients' financial situations. Overall, the utilisation of oncology sperm banking services was low despite its availability and established efficacy, suggesting that Canadian cancer patients are notably underserved. The study has highlighted some important issues for further consideration in improving access to sperm banking services for cancer patients, especially for adolescents. Better collaboration between oncology and reproductive medicine to target healthcare providers would help to improve sperm banking rates. © 2013 John Wiley & Sons Ltd.

Agency Ownership, Patient Payment Source, and Length of Service in Home Care, 1992-2000

ERIC Educational Resources Information Center

Han, Beth; McAuley, William J.; Remsburg, Robin E.

2007-01-01

Purpose: Little is known about whether an association exists between agency ownership and length of service among home care patients with different payment sources. This study investigated how for-profit and not-for-profit agencies responded to policy changes in the 1990s with respect to length of service. Design and Methods: We examined length of…

An early view of the impact of deregulation and managed care on hospital profitability and net worth.

PubMed

Jordan, W J

2001-01-01

This study shows the impact of the removal of hospital rate regulation followed by the growth of managed care on hospitals' profitability and net worth. New Jersey emerged from a regulated prospective payment system in 1992. The transition to a freely competitive market structure had a negative impact on hospital profitability, net worth, patient length of stay, and other measures of capacity utilization. Similarly, the doubling of the HMO penetration rate in the state between 1995 and 1997 is shown to have negatively influenced hospital financial viability. Hospitals have responded in part by increasing usage of outpatient services. The use of discounted fee-for-service instead of per diem reimbursement for outpatient services provides an incentive for hospitals to favor outpatient over inpatient services. The effect of these changes is detailed, along with data showing that the larger discounts given by hospitals to managed care organizations, Medicare, and Medicaid played an important role in explaining the diminished profitability of hospitals.

Community Resources for International Trade Education.

ERIC Educational Resources Information Center

Blanco, Virgil H.; Channing, Rose M.

1985-01-01

Describes Middlesex Community College's involvement in education and training programs aimed at encouraging local business involvement in international trade and the activities of its National Resource for International Trade Education (e.g., information dissemination; consulting services; seminars and workshops; a speakers bank; research; staff…

12 CFR 7.5006 - Data processing.

Code of Federal Regulations, 2014 CFR

2014-01-01

... services, facilities (including equipment, technology, and personnel), data bases, advice and access to such services, facilities, data bases and advice, for itself and for others, where the data is banking... 12 Banks and Banking 1 2014-01-01 2014-01-01 false Data processing. 7.5006 Section 7.5006 Banks...

12 CFR 7.5006 - Data processing.

Code of Federal Regulations, 2013 CFR

2013-01-01

... services, facilities (including equipment, technology, and personnel), data bases, advice and access to such services, facilities, data bases and advice, for itself and for others, where the data is banking... 12 Banks and Banking 1 2013-01-01 2013-01-01 false Data processing. 7.5006 Section 7.5006 Banks...

12 CFR 7.5006 - Data processing.

Code of Federal Regulations, 2012 CFR

2012-01-01

... services, facilities (including equipment, technology, and personnel), data bases, advice and access to such services, facilities, data bases and advice, for itself and for others, where the data is banking... 12 Banks and Banking 1 2012-01-01 2012-01-01 false Data processing. 7.5006 Section 7.5006 Banks...

12 CFR 263.402 - Removal, suspension, or debarment.

Code of Federal Regulations, 2010 CFR

2010-01-01

... accountant from performing audit services for banking organizations that are subject to section 36 of the..., immediately suspend such accountant or firm from performing audit services for banking organizations, if the... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Removal, suspension, or debarment. 263.402...

12 CFR 263.403 - Automatic removal, suspension, and debarment.

Code of Federal Regulations, 2010 CFR

2010-01-01

... independent public accountant or accounting firm may not perform audit services for banking organizations if... permission to such accountant or firm to perform audit services for banking organizations. The request shall... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Automatic removal, suspension, and debarment...

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…

12 CFR 545.17 - Funds transfer services.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Funds transfer services. 545.17 Section 545.17 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY FEDERAL SAVINGS ASSOCIATIONS... without fee, its customers' funds from any account (including a line of credit) of the customer at the...

Hospital Financial Conditions and the Provision of Unprofitable Services

PubMed Central

Bazzoli, Gloria J.; Hsieh, Hui-Min

2011-01-01

Increases in hospital financial pressure resulting from public and private payment policy may substantially reduce a hospital’s ability to provide certain services that are not well compensated or are frequently used by the uninsured. The objective of this study is to examine the impact of hospital financial condition on the provision of these unprofitable services for the insured and uninsured. Economic theory provides the conceptual underpinnings for the analysis, and a longitudinal empirical analysis is conducted for an eight-year study period. The results indicate that not-for-profit hospitals with strong financial performance provide more unprofitable services for the insured and uninsured than do not-for-profit hospitals with weaker condition. For-profit hospital provision of these services is not influenced by their financial condition and instead may reflect actions to meet community expectations or to offer a sufficiently broad service array to maintain the business of insured patients. PMID:21625342

78 FR 69739 - South Dakota Disaster # D-00063

Federal Register 2010, 2011, 2012, 2013, 2014

2013-11-20

.... Economic Injury (EIDL) Loan Application Deadline Date: 08/08/2014. ADDRESSES: Submit completed loan.../2013, Private Non- Profit organizations that provide essential services of governmental nature may file...-Profit Organizations Without Credit Available 2.875 Elsewhere For Economic Injury: Non-Profit...

78 FR 48764 - South Dakota Disaster # SD-00061

Federal Register 2010, 2011, 2012, 2013, 2014

2013-08-09

.../2013. Economic Injury (EIDL) Loan Application Deadline Date: 05/02/2014. ADDRESSES: Submit completed... on 08/02/2013, private non- profit organizations that provide essential services of governmental...-Profit Organizations without Credit Available Elsewhere 2.875 For Economic Injury: Non-Profit...

Cafeteria Cash Flow.

ERIC Educational Resources Information Center

Woodall, Michael V.; Spoonhour, Laura T.

1994-01-01

A South Carolina school district changed food service from a financial loss to a profit. Recommends that food service managers record meal revenues and expenses when they occur and study the profitability of each program. Selling meal tickets in advance provides some control over the number of students who purchase meals. (MLF)

New arrangements, new scrutiny. The IRS reconsiders hospital-physician relationships at tax-exempt facilities.

PubMed

Sullivan, T J

1992-01-01

The pressure to maintain adequate operating margins has forced many not-for-profit hospitals to adopt more overtly competitive behavior than they have in the past. However, in struggling to remain economically viable, these facilities should carefully avoid actions that would threaten their tax-exempt status. Not-for-profit facilities should be particularly careful that their arrangements with physicians, which often appear designed to increase referrals, do not violate the criteria according to which the Internal Revenue Code extends tax exemption to charitable organizations. Section 501(c)(3) of the code exempts organizations "no part of the net earnings of which inures to the benefit of any private shareholder or individual." According to this provision, "insiders" (i.e., those with a personal interest in or opportunity to influence organization activities from the inside) are entitled to no more than reasonable payment for their goods or services. The Internal Revenue Service (IRS) takes the position that, as employees or individuals having a close professional working relationship with a hospital, physicians are insiders. Thus a hospital that pays physicians what the IRS judges to be more than fair market value for services (or charges physicians less than fair market value for office rental) may find its exemption in jeopardy. If not-for-profit hospitals want to maintain their tax-exempt status, they must be certain the arrangements they enter into with physicians truly further their exempt purpose: to promote the health of the community.

Price and distribution policies in healthcare marketing in Romania.

PubMed

Coculescu, B I; Coculescu, E C; Purcărea, V L

2017-01-01

There is a principle similar to the theory of exchange in the marketing of health services, meaning that what is delivered to the target market (i.e. the beneficiaries) must be equal to or greater than what is to be received (i.e. the price). The price level in the marketing mix is influenced by how the consumer perceives the respective medical service and is quantified in the profit and the turnover of the organization respectively. The cost of the medical act as a whole is the value of all the tangible and intangible variables associated with it, and the planning, distribution and promotion of the product must be taken into account in the price setting.

Price and distribution policies in healthcare marketing in Romania

PubMed Central

Coculescu, BI; Coculescu, EC; Purcărea, VL

2017-01-01

There is a principle similar to the theory of exchange in the marketing of health services, meaning that what is delivered to the target market (i.e. the beneficiaries) must be equal to or greater than what is to be received (i.e. the price). The price level in the marketing mix is influenced by how the consumer perceives the respective medical service and is quantified in the profit and the turnover of the organization respectively. The cost of the medical act as a whole is the value of all the tangible and intangible variables associated with it, and the planning, distribution and promotion of the product must be taken into account in the price setting. PMID:28616091

Marketing concepts for pharmaceutical service development.

PubMed

Grauer, D W

1981-02-01

Marketing concepts as a mechanism to help pharmacy develop, communicate, and sell future pharmaceutical services to consumers are discussed. Pharmacy as a profession must define itself broadly to take advantage of future growth opportunities. These growth opportunities will be realized from unmet health-care needs and changing consumer life style trends and values. New services must therefore be oriented toward consumers (i.e., patients, health professionals, and third-party agencies) to gain acceptance. Dispensing and drug-knowledge-distribution pharmaceutical services are reviewed by a product life cycle analysis of sales profits versus time. A marketing mix for new pharmaceutical services is developed consisting of service, price, distribution, and promotion strategies. Marketing can encompass those key elements necessary to meet the organizational goals of pharmacy and provide a systematic, disciplined approach for presenting a new service to consumers.

76 FR 29808 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Order Granting...

Federal Register 2010, 2011, 2012, 2013, 2014

2011-05-23

... beneficial interest: (A) If the company is currently an investment banking services client of the member or the member has received compensation from the company for investment banking services in the past 12... investment banking services. \\7\\ NYSE/NASD IPO Advisory Committee Report and Recommendations (May 2003). http...

76 FR 24076 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing of...

Federal Register 2010, 2011, 2012, 2013, 2014

2011-04-29

... beneficial interest: (A) If the company is currently an investment banking services client of the member or the member has received compensation from the company for investment banking services in the past 12... investment banking services. \\5\\ NYSE/NASD IPO Advisory Committee Report and Recommendations (May 2003). http...

12 CFR 263.11 - Service of papers.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Service of papers. 263.11 Section 263.11 Banks... OF PRACTICE FOR HEARINGS Uniform Rules of Practice and Procedure § 263.11 Service of papers. (a) By the parties. Except as otherwise provided, a party filing papers shall serve a copy upon the counsel...

12 CFR 263.11 - Service of papers.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 3 2011-01-01 2011-01-01 false Service of papers. 263.11 Section 263.11 Banks... OF PRACTICE FOR HEARINGS Uniform Rules of Practice and Procedure § 263.11 Service of papers. (a) By the parties. Except as otherwise provided, a party filing papers shall serve a copy upon the counsel...

12 CFR 509.11 - Service of papers.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Service of papers. 509.11 Section 509.11 Banks... IN ADJUDICATORY PROCEEDINGS Uniform Rules of Practice and Procedure § 509.11 Service of papers. (a) By the parties. Except as otherwise provided, a party filing papers shall serve a copy upon the...

12 CFR 509.11 - Service of papers.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 5 2011-01-01 2011-01-01 false Service of papers. 509.11 Section 509.11 Banks... IN ADJUDICATORY PROCEEDINGS Uniform Rules of Practice and Procedure § 509.11 Service of papers. (a) By the parties. Except as otherwise provided, a party filing papers shall serve a copy upon the...

12 CFR 550.160 - What personnel and facilities may I use to perform fiduciary services?

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 5 2010-01-01 2010-01-01 false What personnel and facilities may I use to perform fiduciary services? 550.160 Section 550.160 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY FIDUCIARY POWERS OF SAVINGS ASSOCIATIONS Exercising Fiduciary Powers Fiduciary...

12 CFR 701.30 - Services for nonmembers within the field of membership.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 6 2011-01-01 2011-01-01 false Services for nonmembers within the field of membership. 701.30 Section 701.30 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS... international and domestic electronic fund transfers); and (b) Cashing checks and money orders and receiving...

12 CFR 701.30 - Services for nonmembers within the field of membership.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Services for nonmembers within the field of membership. 701.30 Section 701.30 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS... international and domestic electronic fund transfers); and (b) Cashing checks and money orders and receiving...

12 CFR 250.403 - Service of member bank and real estate investment company.

Code of Federal Regulations, 2010 CFR

2010-01-01

... investment company. 250.403 Section 250.403 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF... Glass-Steagall Act § 250.403 Service of member bank and real estate investment company. (a) The Board recently considered two inquiries regarding the question whether proposed real estate investment companies...

12 CFR 704.11 - Corporate Credit Union Service Organizations (Corporate CUSOs).

Code of Federal Regulations, 2011 CFR

2011-01-01

... assets in which the corporate has a perfected security interest under state law. (3) If the limitations... 12 Banks and Banking 6 2011-01-01 2011-01-01 false Corporate Credit Union Service Organizations (Corporate CUSOs). 704.11 Section 704.11 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS...

12 CFR 704.11 - Corporate Credit Union Service Organizations (Corporate CUSOs).

Code of Federal Regulations, 2010 CFR

2010-01-01

... assets in which the corporate has a perfected security interest under state law. (3) If the limitations... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Corporate Credit Union Service Organizations (Corporate CUSOs). 704.11 Section 704.11 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS...

12 CFR 550.160 - What personnel and facilities may I use to perform fiduciary services?

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 5 2011-01-01 2011-01-01 false What personnel and facilities may I use to perform fiduciary services? 550.160 Section 550.160 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY FIDUCIARY POWERS OF SAVINGS ASSOCIATIONS Exercising Fiduciary Powers Fiduciary...

76 FR 8802 - New Jersey Disaster #NJ-00019

Federal Register 2010, 2011, 2012, 2013, 2014

2011-02-15

.../2010. Effective Date: 02/04/2011. Physical Loan Application Deadline Date: 04/05/2011. Economic Injury...- Profit organizations that provide essential services of governmental nature may file disaster loan...-Profit Organizations without Credit Available Elsewhere.. 3.000 For Economic Injury: Non-Profit...

26 CFR 1.959-3 - Allocation of distributions to earnings and profits of foreign corporations.

Code of Federal Regulations, 2011 CFR

2011-04-01

... profits of foreign corporations. 1.959-3 Section 1.959-3 Internal Revenue INTERNAL REVENUE SERVICE... Corporations § 1.959-3 Allocation of distributions to earnings and profits of foreign corporations. (a) In general. For purposes of §§ 1.959-1 and 1.959-2, the source of the earnings and profits from which...

Surface Wave Effects on High-Frequency Currents Over a Shelf Edge Bank

DTIC Science & Technology

2013-08-01

as part of projects sponsored by the Naval Research Laboratory (NRL) [Mixing Over Rough Topography (MORT)] and by the Bureau of Ocean Energy Management ...random wave fieldUS(z) is calculated as an ensemble average of wave components (Kenyon 1969), where US(z)5 4p ðf c f min ð2p 0 fkE(f , u)G(f , z) du df...Energy Management (BOEM; formerly Min- erals Management Service) in the project referred to as ‘‘Currents Over Banks (COB)’’ through the Interagency

Pricing Resources in LTE Networks through Multiobjective Optimization

PubMed Central

Lai, Yung-Liang; Jiang, Jehn-Ruey

2014-01-01

The LTE technology offers versatile mobile services that use different numbers of resources. This enables operators to provide subscribers or users with differential quality of service (QoS) to boost their satisfaction. On one hand, LTE operators need to price the resources high for maximizing their profits. On the other hand, pricing also needs to consider user satisfaction with allocated resources and prices to avoid “user churn,” which means subscribers will unsubscribe services due to dissatisfaction with allocated resources or prices. In this paper, we study the pricing resources with profits and satisfaction optimization (PRPSO) problem in the LTE networks, considering the operator profit and subscribers' satisfaction at the same time. The problem is modelled as nonlinear multiobjective optimization with two optimal objectives: (1) maximizing operator profit and (2) maximizing user satisfaction. We propose to solve the problem based on the framework of the NSGA-II. Simulations are conducted for evaluating the proposed solution. PMID:24526889

Pricing resources in LTE networks through multiobjective optimization.

PubMed

Lai, Yung-Liang; Jiang, Jehn-Ruey

2014-01-01

The LTE technology offers versatile mobile services that use different numbers of resources. This enables operators to provide subscribers or users with differential quality of service (QoS) to boost their satisfaction. On one hand, LTE operators need to price the resources high for maximizing their profits. On the other hand, pricing also needs to consider user satisfaction with allocated resources and prices to avoid "user churn," which means subscribers will unsubscribe services due to dissatisfaction with allocated resources or prices. In this paper, we study the pricing resources with profits and satisfaction optimization (PRPSO) problem in the LTE networks, considering the operator profit and subscribers' satisfaction at the same time. The problem is modelled as nonlinear multiobjective optimization with two optimal objectives: (1) maximizing operator profit and (2) maximizing user satisfaction. We propose to solve the problem based on the framework of the NSGA-II. Simulations are conducted for evaluating the proposed solution.

CSRQ Center Report on Education Service Providers: Educator's Summary

ERIC Educational Resources Information Center

Center for Data-Driven Reform in Education (NJ3), 2008

2008-01-01

Education service providers (ESPs), or education management organizations, are for-profit or non-profit organizations that contract with new or existing public, charter, or private schools to help them implement comprehensive reforms. Which of these ESPs have evidence that they help children in elementary and secondary school of positive effects…

Public Schools, Private Markets: A Reporter's Guide to Privatization

ERIC Educational Resources Information Center

Elliott, Scott

2005-01-01

More and more, private for-profit and non-profit organizations are involved in schools. No longer limited to support services like transportation and food services, companies are providing tutoring, directing classroom instruction and managing public and charter schools. School reform has raised the stakes for schools and students, asking for…

Higher Education and the Market

ERIC Educational Resources Information Center

Hill, Catharine

2015-01-01

Neoclassical economists make the case for profit seeking firms in the private sector because they supply goods and services efficiently, meeting consumer demand at the least possible price and the highest quality. The government also supplies some goods and services directly, and also has made provisions for non-profit firms to do so, recognizing…

A More Detailed Understanding Of Factors Associated With Hospital Profitability.

PubMed

Bai, Ge; Anderson, Gerard F

2016-05-01

To identify the characteristics of the most profitable US hospitals, we examined the profitability of acute care hospitals in fiscal year 2013, measured as net income from patient care services per adjusted discharge. Based on Medicare Cost Reports and Final Rule Data, the median hospital lost $82 for each such discharge. Forty-five percent of hospitals were profitable, with 2.5 percent earning more than $2,475 per adjusted discharge. The ten most profitable hospitals, seven of which were nonprofit, each earned more than $163 million in total profits from patient care services. Hospitals with for-profit status, higher markups, system affiliation, or regional power, as well as those located in states with price regulation, tended to be more profitable than other hospitals. Hospitals that treated a higher proportion of Medicare patients, had higher expenditures per adjusted discharge, were located in counties with a high proportion of uninsured patients, or were located in states with a dominant insurer or greater health maintenance organization (HMO) penetration had lower profitability than hospitals that did not have these characteristics. These findings can inform policy reforms, while providing a baseline against which to measure the impact of any subsequent reforms. Project HOPE—The People-to-People Health Foundation, Inc.

An audit of blood bank services.

PubMed

Kumar, Alok; Sharma, Satish; Ingole, Narayan; Gangane, Nitin

2014-01-01

An audit is a written series of simple, direct questions, which when answered and reviewed, tell whether the laboratory is performing its procedures, activities, and policies correctly and on time. The aim of this study is to briefly highlight the importance of audit in blood bank services. An Audit of Blood Bank Services was carried out in a Blood bank of the tertiary care hospital, Central India by using the tool kit, (comprised of checklists) developed by Directorate General of Health Services, Dhaka WHO, July 2008. After going through these checklists, we observed that there is no system for assessing the training needs of staff in the blood bank. There was no provision for duty doctor's room, expert room, medical technologist room and duty care service. There was no checklist for routine check for observation of hemolysis and deterioration of blood and plasma. There was no facility for separate private interview to exclude sexual disease in the donor. Requisition forms were not properly filled for blood transfusion indications. There was no facility for notification of donors who are permanently deferred. There were no records documented for donors who are either temporarily or permanently deferred on the basis of either clinical examination, history, or serological examination. It was found that wearing of apron, cap, and mask was not done properly except in serology laboratory. When the requisition forms for blood transfusions were audited, it was found that many requisition forms were without indications. Regular audit of blood bank services needs to be initiated in all blood banks and the results needs to be discussed among the managements, colleagues, and staffs of blood bank. These results will provide a good opportunity for finding strategies in improving the blood bank services with appropriate and safe use of blood.

An audit of blood bank services

PubMed Central

Kumar, Alok; Sharma, Satish; Ingole, Narayan; Gangane, Nitin

2014-01-01

Background: An audit is a written series of simple, direct questions, which when answered and reviewed, tell whether the laboratory is performing its procedures, activities, and policies correctly and on time. Aim: The aim of this study is to briefly highlight the importance of audit in blood bank services. Materials and Methods: An Audit of Blood Bank Services was carried out in a Blood bank of the tertiary care hospital, Central India by using the tool kit, (comprised of checklists) developed by Directorate General of Health Services, Dhaka WHO, July 2008. Results: After going through these checklists, we observed that there is no system for assessing the training needs of staff in the blood bank. There was no provision for duty doctor's room, expert room, medical technologist room and duty care service. There was no checklist for routine check for observation of hemolysis and deterioration of blood and plasma. There was no facility for separate private interview to exclude sexual disease in the donor. Requisition forms were not properly filled for blood transfusion indications. There was no facility for notification of donors who are permanently deferred. There were no records documented for donors who are either temporarily or permanently deferred on the basis of either clinical examination, history, or serological examination. It was found that wearing of apron, cap, and mask was not done properly except in serology laboratory. When the requisition forms for blood transfusions were audited, it was found that many requisition forms were without indications. Conclusion: Regular audit of blood bank services needs to be initiated in all blood banks and the results needs to be discussed among the managements, colleagues, and staffs of blood bank. These results will provide a good opportunity for finding strategies in improving the blood bank services with appropriate and safe use of blood. PMID:24741651

Utilization of HIV-related services from the private health sector: A multi-country analysis.

PubMed

Wang, Wenjuan; Sulzbach, Sara; De, Susna

2011-01-01

Increasing the participation of the private health sector in the AIDS response could help to achieve universal access to comprehensive HIV prevention, treatment, care and support. Yet little is known about the extent to which the private health sector is delivering HIV-related services. This study uses data from the Demographic and Health Surveys (DHS) and AIDS Indicator Surveys (AIS) from 12 countries in Africa, Asia and Latin America and the Caribbean to explore use of HIV testing and STI care from the private for-profit sector, and its association with household wealth status. The analysis indicates that the private for-profit health sector is active in HIV-related service delivery, although the level of participation varies by region and country. From 3 to 45 percent of women and 6 to 42 percent of men reported the private for-profit sector as their source of the most recent HIV testing. While in some countries, use of the private for-profit health sector for HIV testing and STI care increases with wealth, in others the relationship is not clear, as there are no significant differences in using private for-profit HIV-related services between the rich and the poor. We conclude that as the global AIDS response evolves from emergency relief to sustained country programs, broader consideration of the role of the private for-profit health sector may be warranted. Copyright © 2010 Elsevier Ltd. All rights reserved.

A new approach to optimal selection of services in health care organizations.

PubMed

Adolphson, D L; Baird, M L; Lawrence, K D

1991-01-01

A new reimbursement policy adopted by Medicare in 1983 caused financial difficulties for many hospitals and health care organizations. Several organizations responded to these difficulties by developing systems to carefully measure their costs of providing services. The purpose of such systems was to provide relevant information about the profitability of hospital services. This paper presents a new method of making hospital service selection decisions: it is based on an optimization model that avoids arbitrary cost allocations as a basis for computing the costs of offering a given service. The new method provides more reliable information about which services are profitable or unprofitable, and it provides an accurate measure of the degree to which a service is profitable or unprofitable. The new method also provides useful information about the sensitivity of the optimal decision to changes in costs and revenues. Specialized algorithms for the optimization model lead to very efficient implementation of the method, even for the largest health care organizations.

Innovation versus complexity: what is too much of a good thing?

PubMed

Gottfredson, Mark; Aspinall, Keith

2005-11-01

What's the number of product or service offerings that would optimize both your revenues and your profits? For most firms, it's considerably lower than the number they offer today. The fact is, companies have strong incentives to be overly innovative in new product development. But continual launches of new products and line extensions add complexity throughout a company's operations, and as the costs of managing that complexity multiply, margins shrink. To maximize profit potential, a company needs to identify its innovation fulcrum, the point at which an additional offering destroys more value than it creates. The usual antidotes to complexity miss their mark because they treat the problem on the factory floor rather than at its source: in the product line. Mark Gottfredson and Keith Aspinall of Bain & Company present an approach that goes beyond the typical Six Sigma or lean-operations program to root out complexity hidden in the value chain. The first step is to ask, What would our company look like if it made and sold only a single product or service? In other words, you identify your company's equivalent of Henry Ford's one-size-fits-all Model T-for Starbucks, it might be a medium-size cup of coffee; for a bank, a simple checking account-and then determine the cost of producing that baseline offering. Next, you add variety back into the business system, product by product, and carefully forecast the resulting impact on sales as well as the cost implications across the value chain. When the analysis shows the costs beginning to overwhelm the added revenues, you've found your innovation fulcrum. By deconstructing their companies to a zero-complexity baseline, managers can break through organizational resistance and deeply entrenched ways of thinking to find the right balance between innovation and complexity.

12 CFR 1024.21 - Mortgage servicing transfers.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 1024.21 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION REAL ESTATE SETTLEMENT PROCEDURES ACT... servicer means the owner of the right to perform servicing, which may actually perform the servicing itself... servicer who does not own the right to perform servicing, but who does so on behalf of the master servicer...

12 CFR 1024.21 - Mortgage servicing transfers.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 1024.21 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION REAL ESTATE SETTLEMENT PROCEDURES ACT... servicer means the owner of the right to perform servicing, which may actually perform the servicing itself... servicer who does not own the right to perform servicing, but who does so on behalf of the master servicer...

12 CFR 220.117 - Exception to 90-day rule in special cash account.

Code of Federal Regulations, 2010 CFR

2010-01-01

... profit. On Day 8 customer delivered his check for the cost of the purchase to the creditor (member firm... any check or draft drawn on a bank which in the ordinary course of business is payable on presentation...(f), if controlling, would permit the exception to undermine, to some extent, the effectiveness of...

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

ERIC Educational Resources Information Center

General Accounting Office, Washington, DC.

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

78 FR 67210 - Santa Clara Pueblo Disaster #NM-00038

Federal Register 2010, 2011, 2012, 2013, 2014

2013-11-08

.../2013 Effective Date: 10/29/2013 Physical Loan Application Deadline Date: 12/30/2013 Economic Injury...- Profit organizations that provide essential services of governmental nature may file disaster loan... Non-Profit Organizations Without Credit Available Elsewhere 2.875 For Economic Injury: Non-Profit...

26 CFR 509.105 - Industrial and commercial profits.

Code of Federal Regulations, 2010 CFR

2010-04-01

... sales promotion, the orders being transmitted to Switzerland for acceptance, then the profits arising... 26 Internal Revenue 19 2010-04-01 2010-04-01 false Industrial and commercial profits. 509.105 Section 509.105 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY (CONTINUED...

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...

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...

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...

12 CFR 747.11 - Service of papers.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 6 2011-01-01 2011-01-01 false Service of papers. 747.11 Section 747.11 Banks... Practice and Procedure § 747.11 Service of papers. (a) By the parties. Except as otherwise provided, a party filing papers shall serve a copy upon the counsel of record for all other parties to the...

12 CFR 308.11 - Service of papers.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 4 2011-01-01 2011-01-01 false Service of papers. 308.11 Section 308.11 Banks... AND PROCEDURE Uniform Rules of Practice and Procedure § 308.11 Service of papers. (a) By the parties. Except as otherwise provided, a party filing papers shall serve a copy upon the counsel of record for all...

12 CFR 747.11 - Service of papers.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Service of papers. 747.11 Section 747.11 Banks... Practice and Procedure § 747.11 Service of papers. (a) By the parties. Except as otherwise provided, a party filing papers shall serve a copy upon the counsel of record for all other parties to the...

12 CFR 19.11 - Service of papers.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 1 2011-01-01 2011-01-01 false Service of papers. 19.11 Section 19.11 Banks... Uniform Rules of Practice and Procedure § 19.11 Service of papers. (a) By the parties. Except as otherwise provided, a party filing papers shall serve a copy upon the counsel of record for all other parties to the...

12 CFR 308.11 - Service of papers.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Service of papers. 308.11 Section 308.11 Banks... AND PROCEDURE Uniform Rules of Practice and Procedure § 308.11 Service of papers. (a) By the parties. Except as otherwise provided, a party filing papers shall serve a copy upon the counsel of record for all...

12 CFR 908.26 - Service of papers.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 7 2011-01-01 2011-01-01 false Service of papers. 908.26 Section 908.26 Banks... RULES OF PRACTICE AND PROCEDURE IN HEARINGS ON THE RECORD General Rules § 908.26 Service of papers. (a) By the parties. Except as otherwise provided, a party filing papers or serving a subpoena shall serve...

12 CFR 19.11 - Service of papers.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Service of papers. 19.11 Section 19.11 Banks... Uniform Rules of Practice and Procedure § 19.11 Service of papers. (a) By the parties. Except as otherwise provided, a party filing papers shall serve a copy upon the counsel of record for all other parties to the...

12 CFR 908.26 - Service of papers.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Service of papers. 908.26 Section 908.26 Banks... RULES OF PRACTICE AND PROCEDURE IN HEARINGS ON THE RECORD General Rules § 908.26 Service of papers. (a) By the parties. Except as otherwise provided, a party filing papers or serving a subpoena shall serve...

12 CFR 567.12 - Purchased credit card relationships, servicing assets, intangible assets (other than purchased...

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Purchased credit card relationships, servicing...-enhancing interest-only strips, and deferred tax assets. 567.12 Section 567.12 Banks and Banking OFFICE OF...-taxable business combinations. A deferred tax liability that is specifically related to an intangible...

12 CFR 797.15 - Administrative offset against amounts payable from Civil Service Retirement and Disability Fund.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Administrative offset against amounts payable from Civil Service Retirement and Disability Fund. 797.15 Section 797.15 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING THE OPERATIONS OF THE NATIONAL CREDIT UNION ADMINISTRATION PROCEDURES FOR DEBT COLLECTION...

12 CFR 797.15 - Administrative offset against amounts payable from Civil Service Retirement and Disability Fund.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 6 2011-01-01 2011-01-01 false Administrative offset against amounts payable from Civil Service Retirement and Disability Fund. 797.15 Section 797.15 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING THE OPERATIONS OF THE NATIONAL CREDIT UNION ADMINISTRATION PROCEDURES FOR DEBT COLLECTION...

12 CFR 225.115 - Applicability of Bank Service Corporation Act in certain bank holding company situations.

Code of Federal Regulations, 2010 CFR

2010-01-01

... relating to banks that otherwise would prevent any such investment. From the legislative history of section... the provisions of section 2(a) of the Bank Service Corporation Act and its legislative history make it... Corporation Act since, as an accounting matter and for the purposes under consideration, “capital and surplus...

Expanding the Supply of Pasteurized Donor Milk: Understanding Why Peer-to-Peer Milk Sharers in the United States Do Not Donate to Milk Banks.

PubMed

Perrin, Maryanne Tigchelaar; Goodell, L Suzanne; Fogleman, April; Pettus, Hannah; Bodenheimer, Amanda L; Palmquist, Aunchalee E L

2016-05-01

Lactating women in the United States have several options for what they do with excess breast milk, including donating to milk banks that serve medically fragile infants, sharing directly with families seeking milk, and selling to individuals or for-profit entities. The World Health Organization and the US Surgeon General have issued calls to increase access to pasteurized donor milk for medically fragile infants. To explore how lactating women with a surplus of breast milk come to the decision to share their milk with a peer rather than donate to a milk bank. A qualitative design using a grounded theory approach was employed. Semistructured telephone interviews were conducted with 27 women who had shared milk with a peer but not with a milk bank. Five dominant themes were identified: a strong belief in the value of breast milk, unexpected versus planned donation, sources of information regarding milk exchange, concerns and knowledge gaps about milk banks, and helping and connecting. This research offers insights into potential strategies for promoting milk bank donation among peer-to-peer milk sharers, including developing donor education campaigns focused on knowledge gaps regarding milk banks and developing health care professional referral programs that can reduce barriers associated with the convenience of milk bank donation. © The Author(s) 2016.

Does outsourcing affect hospital profitability?

PubMed

Danvers, Kreag; Nikolov, Pavel

2010-01-01

Organizations outsource non-core service functions to achieve cost reductions and strategic benefits, both of which can impact profitability performance. This article examines relations between managerial outsourcing decisions and profitability for a multi-state sample of non-profit hospitals, across 16 states and four regions of the United States. Overall regression results indicate that outsourcing does not necessarily improve hospital profitability. In addition, we identify no profitability impact from outsourcing for urban hospitals, but somewhat positive effects for teaching hospitals. Our regional analysis suggests that hospitals located in the Midwest maintain positive profitability effects with outsourcing, but those located in the South realize negative effects. These findings have implications for cost reduction efforts and the financial viability of non-profit hospitals.

Cost versus control: Understanding ownership through outsourcing in hospitals.

PubMed

Dalton, Christina Marsh; Warren, Patrick L

2016-07-01

For-profit hospitals in California contract out services much more intensely than either private nonprofit or public hospitals. To explain why, we build a model in which the outsourcing decision is a trade-off between cost and control. Since nonprofit firms are more restricted in how they consume net revenues, they experience more rapidly diminishing value of a dollar saved, and they are less attracted to a low-cost but low-control outsourcing opportunity than a for-profit firm is. This difference is exaggerated in services where the benefits of controlling the details of production are particularly important but minimized when a fixed-cost shock raises the marginal value of a dollar of cost savings. We test these predictions in a panel of California hospitals, finding evidence for each and that the set of services that private non-profits are particularly interested in controlling (physician-intensive services) is very different from those than public hospitals are particularly interested in (labor-intensive services). These results suggest that a model of public or nonprofit make-or-buy decisions should be more than a simple relabeling of a model derived in the for-profit context. Copyright © 2016 Elsevier B.V. All rights reserved.

Generating Computer Forensic Super Timelines under Linux: A Comprehensive Guide for Windows-based Disk Images

DTIC Science & Technology

2011-10-01

mémorandum technique fournit donc une description détaillée de l’approche des auteurs pour produire des calendriers des événements plus détaillés dans...SUBSTITUTE GOODS OR SERVICES; LOSS OF USE, DATA, OR PROFITS; OR BUSINESS INTERRUPTION) HOWEVER CAUSED AND ON ANY THEORY OF LIABILITY, WHETHER IN CONTRACT

The four things a service business must get right.

PubMed

Frei, Frances X

2008-04-01

Many of the management tools and techniques used in service businesses were designed to tackle the challenges of product companies. Although they are valuable to service managers, they aren't sufficient for success. In this article, Harvard Business School's Frei explains why and urges companies to add some new ones to the mix. After years of extensive research and analysis, she offers an approach for crafting a profitable service business based on four critical elements: the design of the offering, employee management, customer management, and the funding mechanism. Just like a product that's going to market, a service needs to be compellingly designed, and management must field a workforce capable of producing it at an attractive price. Additionally, however, service firms must manage their customers, who do not simply use the service but also can be integral to its production: Because customers' involvement as producers can wreak havoc on costs, companies must also develop creative ways to fund their distinctive offerings, by providing a self-service alternative, for example, or by offsetting expenses with operational savings. A close look at successful service businesses--Wal-Mart, Commerce Bank, the Cleveland Clinic, and others--reveals that effective integration of the four elements is key. There is no "right" way to combine them; the appropriate design of one depends upon the other three. If managers don't get all four pulling together, they risk pulling the enterprise apart. Incumbents can fend off attacks from highly focused upstarts by becoming multifocused--that is, by pursuing multiple niches through optimized service models rather than trying to cover the entire waterfront with one model. Shared services within a firm (functions such as HR and finance) can help, since they will enable it to generate economies of scale and experience across models.

NCLR Agenda for Hispanic Families: A Public Policy Briefing Book.

ERIC Educational Resources Information Center

National Council of La Raza, Washington, DC.

This briefing book offers guidance to Congress, the Administration, and state legislatures about which issues are important to the nation's largest ethnic groups, focusing on: "Civil Rights" (hate crimes, racial profiling, sentencing reform, and voting rights); "Economic Mobility" (e.g., banking and financial services,…

77 FR 9137 - National Practitioner Data Bank

Federal Register 2010, 2011, 2012, 2013, 2014

2012-02-15

... of Health Professions, Health Resources and Services Administration, Parklawn Building, 5600 Fishers... of 1990, Public Law 101-508, expanded the scope of the NPDB. Section 1921 requires each State to... actions to those that apply to Federal agencies under section 1128E and makes amendments to expand the...

43 CFR 2932.5 - Definitions.

Code of Federal Regulations, 2011 CFR

2011-10-01

... profit, receive money, amortize equipment, or obtain goods or services, as compensation from participants... by the permit is not profit-making or the business as a whole is not profitable. (3) Use of the... Areas § 2932.5 Definitions. Actual expenses means money spent directly on the permitted activity. These...

43 CFR 2932.5 - Definitions.

Code of Federal Regulations, 2012 CFR

2012-10-01

... profit, receive money, amortize equipment, or obtain goods or services, as compensation from participants... by the permit is not profit-making or the business as a whole is not profitable. (3) Use of the... Areas § 2932.5 Definitions. Actual expenses means money spent directly on the permitted activity. These...

43 CFR 2932.5 - Definitions.

Code of Federal Regulations, 2014 CFR

2014-10-01

... profit, receive money, amortize equipment, or obtain goods or services, as compensation from participants... by the permit is not profit-making or the business as a whole is not profitable. (3) Use of the... Areas § 2932.5 Definitions. Actual expenses means money spent directly on the permitted activity. These...

43 CFR 2932.5 - Definitions.

Code of Federal Regulations, 2013 CFR

2013-10-01

... profit, receive money, amortize equipment, or obtain goods or services, as compensation from participants... by the permit is not profit-making or the business as a whole is not profitable. (3) Use of the... Areas § 2932.5 Definitions. Actual expenses means money spent directly on the permitted activity. These...

30 CFR 220.022 - Calculation of net profit share payment.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 30 Mineral Resources 2 2010-07-01 2010-07-01 false Calculation of net profit share payment. 220.022 Section 220.022 Mineral Resources MINERALS MANAGEMENT SERVICE, DEPARTMENT OF THE INTERIOR MINERALS REVENUE MANAGEMENT ACCOUNTING PROCEDURES FOR DETERMINING NET PROFIT SHARE PAYMENT FOR OUTER CONTINENTAL...

20 CFR 404.2106 - Basic qualifications for alternate participants.

Code of Federal Regulations, 2011 CFR

2011-04-01

... Provisions § 404.2106 Basic qualifications for alternate participants. (a) General. We may arrange for VR... (that is, any entity whether for-profit or not-for-profit), other than a State VR agency. (1) An... provide VR services in the State in which it provides services; and (ii) Under the terms of the written...

20 CFR 416.2206 - Basic qualifications for alternate participants.

Code of Federal Regulations, 2011 CFR

2011-04-01

... Provisions § 416.2206 Basic qualifications for alternate participants. (a) General. We may arrange for VR... (that is, any entity whether for-profit or not-for-profit), other than a State VR agency. (1) An... provide VR services in the State in which it provides services; and (ii) Under the terms of the written...

20 CFR 416.2206 - Basic qualifications for alternate participants.

Code of Federal Regulations, 2010 CFR

2010-04-01

... Provisions § 416.2206 Basic qualifications for alternate participants. (a) General. We may arrange for VR... (that is, any entity whether for-profit or not-for-profit), other than a State VR agency. (1) An... provide VR services in the State in which it provides services; and (ii) Under the terms of the written...

20 CFR 404.2106 - Basic qualifications for alternate participants.

Code of Federal Regulations, 2010 CFR

2010-04-01

... Provisions § 404.2106 Basic qualifications for alternate participants. (a) General. We may arrange for VR... (that is, any entity whether for-profit or not-for-profit), other than a State VR agency. (1) An... provide VR services in the State in which it provides services; and (ii) Under the terms of the written...

20 CFR 404.2106 - Basic qualifications for alternate participants.

Code of Federal Regulations, 2014 CFR

2014-04-01

... Provisions § 404.2106 Basic qualifications for alternate participants. (a) General. We may arrange for VR... (that is, any entity whether for-profit or not-for-profit), other than a State VR agency. (1) An... provide VR services in the State in which it provides services; and (ii) Under the terms of the written...

20 CFR 404.2106 - Basic qualifications for alternate participants.

Code of Federal Regulations, 2012 CFR

2012-04-01

... Provisions § 404.2106 Basic qualifications for alternate participants. (a) General. We may arrange for VR... (that is, any entity whether for-profit or not-for-profit), other than a State VR agency. (1) An... provide VR services in the State in which it provides services; and (ii) Under the terms of the written...

20 CFR 416.2206 - Basic qualifications for alternate participants.

Code of Federal Regulations, 2013 CFR

2013-04-01

... Provisions § 416.2206 Basic qualifications for alternate participants. (a) General. We may arrange for VR... (that is, any entity whether for-profit or not-for-profit), other than a State VR agency. (1) An... provide VR services in the State in which it provides services; and (ii) Under the terms of the written...

20 CFR 416.2206 - Basic qualifications for alternate participants.

Code of Federal Regulations, 2014 CFR

2014-04-01

... Provisions § 416.2206 Basic qualifications for alternate participants. (a) General. We may arrange for VR... (that is, any entity whether for-profit or not-for-profit), other than a State VR agency. (1) An... provide VR services in the State in which it provides services; and (ii) Under the terms of the written...

20 CFR 416.2206 - Basic qualifications for alternate participants.

Code of Federal Regulations, 2012 CFR

2012-04-01

... Provisions § 416.2206 Basic qualifications for alternate participants. (a) General. We may arrange for VR... (that is, any entity whether for-profit or not-for-profit), other than a State VR agency. (1) An... provide VR services in the State in which it provides services; and (ii) Under the terms of the written...

20 CFR 404.2106 - Basic qualifications for alternate participants.

Code of Federal Regulations, 2013 CFR

2013-04-01

... Provisions § 404.2106 Basic qualifications for alternate participants. (a) General. We may arrange for VR... (that is, any entity whether for-profit or not-for-profit), other than a State VR agency. (1) An... provide VR services in the State in which it provides services; and (ii) Under the terms of the written...

Specialty-service lines: salvos in the new medical arms race.

PubMed

Berenson, Robert A; Bodenheimer, Thomas; Pham, Hoangmai H

2006-01-01

Hospitals and physicians are developing and marketing discrete and profitable specialty-service lines. Although closely affiliated specialist physicians are central to hospitals' service-line products, other physicians compete directly with hospitals via physician-owned specialty facilities. Specialty-service lines may be provided in a variety of settings, both inside and outside traditional hospital walls. Thus far, the escalating battle between hospitals and physicians for control over specialty services has not affected hospital profitability. However, as the scope of care that can be safely performed in the outpatient arena expands, physician competition for control over specialty services may threaten hospitals' financial health.

12 CFR 611.1137 - Title VIII service corporations.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 12 Banks and Banking 7 2014-01-01 2014-01-01 false Title VIII service corporations. 611.1137... Corporations § 611.1137 Title VIII service corporations. (a) What is a title VIII service corporation? A title VIII service corporation is a service corporation organized for the purpose of exercising the...

12 CFR 611.1137 - Title VIII service corporations.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 6 2011-01-01 2011-01-01 false Title VIII service corporations. 611.1137... Organizations § 611.1137 Title VIII service corporations. (a) What is a title VIII service corporation? A title VIII service corporation is a service corporation organized for the purpose of exercising the...

12 CFR 611.1137 - Title VIII service corporations.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 7 2012-01-01 2012-01-01 false Title VIII service corporations. 611.1137... Organizations § 611.1137 Title VIII service corporations. (a) What is a title VIII service corporation? A title VIII service corporation is a service corporation organized for the purpose of exercising the...

12 CFR 611.1137 - Title VIII service corporations.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 12 Banks and Banking 7 2013-01-01 2013-01-01 false Title VIII service corporations. 611.1137... Organizations § 611.1137 Title VIII service corporations. (a) What is a title VIII service corporation? A title VIII service corporation is a service corporation organized for the purpose of exercising the...

75 FR 32181 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

Federal Register 2010, 2011, 2012, 2013, 2014

2010-06-07

... Investment Management, L.L.C.; TC Group, L.L.C.; and TCG Holdings, L.L.C., all of Wilmington, Delaware; to... Partners, L.P.; TCG Financial Services, L.P.; Carlyle Financial Services, Ltd.; TC Group Cayman Investment Holdings, L.P.; TCG Holdings Cayman II, L.P.; DBD Cayman, Limited; TCG Financial Services Investment...

Not-for-profits: business basics for survival.

PubMed

Krenek, Bryant H

2006-01-01

Many not-for-profit hospitals are struggling to keep their doors open. Although executives often contend that they are not playing on a level field, the fundamental cause is the hospital's failure to earn an excess of revenue over expenses. The tax exemption enjoyed by a not for profit can be a tremendous advantage. Some may argue that uncompensated care negates that benefit, but uncompensated care is a problem for the industry, not just not-for-profit institutions. The real issue at stake is the not-for-profit mentality--a belief that a tax-exempt business is not supposed to make money. On the contrary, our goal is to provide much-needed services to the community, and to do that well, we must make money. When solid business practices are followed, a hospital will be able to provide the basic healthcare services needed with positive financial results.

Administrative Coordination in Non-Profit Human Service Delivery Networks: The Role of Competition and Trust

PubMed Central

Bunger, Alicia C.

2014-01-01

Non-profit human service organizations operating within the same regional network are often faced with dual pressure to compete as well as coordinate administrative operations (by sharing funding, staff or space) to enhance efficiency. Emerging evidence has demonstrated that competing organizations coordinate, despite the risks. Trust, or perceived trustworthiness between two organizations may mitigate the negative influence of competition on coordination, however there have been few explicit tests of this hypothesis among non-profit organizations. Drawing on quantitative data collected from a network of 36 non-profit children’s behavioral health organizations, this paper empirically tests how competition and perceived trustworthiness interact to influence administrative coordination. Results support the hypothesis that trustworthiness moderates the influence of competition on administrative coordination. Findings suggest that as competing non-profit leaders build trust, the more their agencies coordinate their administrative functions. This study highlights the importance of leaders’ perceptions for organizational strategy. PMID:25349468

Assessing women's knowledge and attitudes toward cord blood banking: policy and ethical implications for Jordan.

PubMed

Matsumoto, Monica M; Dajani, Rana; Khader, Yousef; Matthews, Kirstin R W

2016-08-01

Despite the global expansion of umbilical cord blood (CB) banking, little is known about public opinion and awareness, especially among Arab Muslim populations. CB banking raises policy questions about funding sustainability and quality standards, as well as ethical debates about profitability, informed consent, and medical justification. This study is the first of its kind in the Arab world, and Jordan has a unique, understudied, yet highly relevant setting, especially as a regional medical hub with advanced medical and health policy infrastructures. In addition, the first private and public CB banks are expected to open in 2016. The authors developed and administered, over a 5-month period, an anonymous survey to investigate public opinion and knowledge about CB banking in Jordan. The survey was administered to women in maternity outpatient clinic waiting rooms at five different hospitals. More than 75% of respondents indicated they knew nothing about CB banking in Jordan, and more than 50% had never heard of CB banking before. However, overall public opinion about CB storage is positive. Important factors related to public opinion were also identified, demonstrating that most women want more information on CB banking, especially from their obstetrician. This widespread lack of awareness is likely contributing to misinformation, lack of knowledge, and unfavorable perspectives toward CB donation and research. The results have important implications for the development of national and regional policies and educational campaigns on CB banking targeting both physicians and patients. © 2016 AABB.

12 CFR 608.827 - Offset against amounts payable from Civil Service Retirement and Disability Fund.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Offset against amounts payable from Civil Service Retirement and Disability Fund. 608.827 Section 608.827 Banks and Banking FARM CREDIT ADMINISTRATION ADMINISTRATIVE PROVISIONS COLLECTION OF CLAIMS OWED THE UNITED STATES Administrative Offset § 608.827 Offset against amounts payable from Civil...

Long-term care insurance and market for aged care in Japan: focusing on the status of care service providers by locality and organisational nature based on survey results.

PubMed

Kubo, Makoto

2014-09-01

The purpose of this paper is to examine the status of care service providers by locality and organisational nature. Questionnaires were sent to 9505 home-based care service providers registered in the databases of 17 prefectures. The prefectures were selected according to population size. Numerous for-profit providers have newly entered the aged care service market and are operating selectively in Tokyo, a typical example of a metropolitan area. Furthermore, both for-profit and non-profit providers have suffered from a shortage of care workers and difficult management conditions, which tend to be more pronounced in Tokyo. The market under long-term care insurance was successful in terms of the volume of services, but most providers were sceptical as to whether competition in the market could facilitate quality care services. © 2013 The Author. Australasian Journal on Ageing © 2013 ACOTA.

"Make or buy" decisions in the production of health care goods and services: new insights from institutional economics and organizational theory.

PubMed

Preker, A S; Harding, A; Travis, P

2000-01-01

A central theme of recent health care reforms has been a redefinition of the roles of the state and private providers. With a view to helping governments to arrive at more rational "make or buy" decisions on health care goods and services, we propose a conceptual framework in which a combination of institutional economics and organizational theory is used to examine the core production activities in the health sector. Empirical evidence from actual production modalities is also taken into consideration. We conclude that most inputs for the health sector, with the exception of human resources and knowledge, can be efficiently produced by and bought from the private sector. In the health services of low-income countries most dispersed production forms, e.g. ambulatory care, are already provided by the private sector (non-profit and for-profit). These valuable resources are often ignored by the public sector. The problems of measurability and contestability associated with expensive, complex and concentrated production forms such as hospital care require a stronger regulatory environment and skilled contracting mechanisms before governments can rely on obtaining these services from the private sector. Subsidiary activities within the production process can often be unbundled and outsourced.

"Make or buy" decisions in the production of health care goods and services: new insights from institutional economics and organizational theory.

PubMed Central

Preker, A. S.; Harding, A.; Travis, P.

2000-01-01

A central theme of recent health care reforms has been a redefinition of the roles of the state and private providers. With a view to helping governments to arrive at more rational "make or buy" decisions on health care goods and services, we propose a conceptual framework in which a combination of institutional economics and organizational theory is used to examine the core production activities in the health sector. Empirical evidence from actual production modalities is also taken into consideration. We conclude that most inputs for the health sector, with the exception of human resources and knowledge, can be efficiently produced by and bought from the private sector. In the health services of low-income countries most dispersed production forms, e.g. ambulatory care, are already provided by the private sector (non-profit and for-profit). These valuable resources are often ignored by the public sector. The problems of measurability and contestability associated with expensive, complex and concentrated production forms such as hospital care require a stronger regulatory environment and skilled contracting mechanisms before governments can rely on obtaining these services from the private sector. Subsidiary activities within the production process can often be unbundled and outsourced. PMID:10916915

31 CFR 561.404 - Significant transaction or transactions; significant financial services; significant financial...

Code of Federal Regulations, 2012 CFR

2012-07-01

... Central Bank of Iran, or a designated Iranian financial institution in a direct customer relationship..., or financial transaction is performed with the involvement or approval of management or only by... Iran, or a designated Iranian financial institution indirectly or in a tertiary relationship. (e...

A Sociological Examination of the Child Care Auspice Debate. Occasional Paper No. 6.

ERIC Educational Resources Information Center

Friesen, Bruce

This report examines issues related to whether child care services are operated on a non-profit or for-profit basis, focusing on the use of public funds and child care quality in Canada. The report also presents the results of a study of child care quality at 14 non-profit and 36 for-profit child care centers in Calgary, Alberta, Canada. The study…

Impact of Patient and Procedure Mix on Finances of Perinatal Centres – Theoretical Models for Economic Strategies in Perinatal Centres

PubMed Central

Hildebrandt, T.; Kraml, F.; Wagner, S.; Hack, C. C.; Thiel, F. C.; Kehl, S.; Winkler, M.; Frobenius, W.; Faschingbauer, F.; Beckmann, M. W.; Lux, M. P.

2013-01-01

Introduction: In Germany, cost and revenue structures of hospitals with defined treatment priorities are currently being discussed to identify uneconomic services. This discussion has also affected perinatal centres (PNCs) and represents a new economic challenge for PNCs. In addition to optimising the time spent in hospital, the hospital management needs to define the “best” patient mix based on costs and revenues. Method: Different theoretical models were proposed based on the cost and revenue structures of the University Perinatal Centre for Franconia (UPF). Multi-step marginal costing was then used to show the impact on operating profits of changes in services and bed occupancy rates. The current contribution margin accounting used by the UPF served as the basis for the calculations. The models demonstrated the impact of changes in services on costs and revenues of a level 1 PNC. Results: Contribution margin analysis was used to calculate profitable and unprofitable DRGs based on average inpatient cost per day. Nineteen theoretical models were created. The current direct costing used by the UPF and a theoretical model with a 100 % bed occupancy rate were used as reference models. Significantly higher operating profits could be achieved by doubling the number of profitable DRGs and halving the number of less profitable DRGs. Operating profits could be increased even more by changing the rates of profitable DRGs per bed occupancy. The exclusive specialisation on pathological and high-risk pregnancies resulted in operating losses. All models which increased the numbers of caesarean sections or focused exclusively on c-sections resulted in operating losses. Conclusion: These theoretical models offer a basis for economic planning. They illustrate the enormous impact potential changes can have on the operating profits of PNCs. Level 1 PNCs require high bed occupancy rates and a profitable patient mix to cover the extremely high costs incurred due to the services they are legally required to offer. Based on our theoretical models it must be stated that spontaneous vaginal births (not caesarean sections) were the most profitable procedures in the current DRG system. Overall, it currently makes economic sense for level I PNCs to treat as many low-risk pregnancies and neonates as possible to cover costs. PMID:24771932

Quality of care and the demand for health services in Bamako, Mali: the specific roles of structural, process, and outcome components.

PubMed

Mariko, Mamadou

2003-03-01

The public finance and foreign exchange crisis of the 1980s aggravated the unfavourable economic trends in many developing countries and resulted in budget cuts in the health sector. Policymakers, following the suggestions of World Bank experts, introduced user fees. Economic analysis of the demand for health care in these countries focused on the impact of price and income on health service utilisation. But the lesson to date from experiences in cost recovery is that without visible and fairly immediate improvements in the quality of care, the implementation of user fees will cause service utilisation to drop. For this reason, the role of quality of health care has been recently a subject of investigation in a number of health care demand studies. In spite of using the data from both households and facilities, recent studies are quite limited because they measure quality only by structural attributes (availability of drugs, equipment, number and qualifications of staff, and so on). Structural attributes of quality are necessary but not sufficient conditions for demand. A unique feature of this study is that it also considers the processes followed by practitioners and the outcome of care, to determine simultaneously the respective influence of price and quality on decision making. A nested multinomial logit was used to examine the choice between six alternatives (self-treatment, modern treatment at home, public hospital, public dispensary, for-profit facility and non-profit facility). The estimations are based on data from a statistically representative sample of 1104 patients from 1191 households and the data from a stratified random sample of 42 out of 84 facilities identified. The results indicate that omitting the process quality variables from the demand model produces a bias not only in the estimated coefficient of the "price" variable but also in coefficients of some structural attributes of the quality. The simulations suggest that price has a minor effect on utilisation of health services, and that health authorities can simultaneously double user fees and increase utilisation by emphasising improvement of both the structural and process quality of care in public health facilities.

Paying the Price at the End of Life: A Consideration of Factors that Affect the Profitability of Hospice

PubMed Central

Ettner, Susan L.; Lorenz, Karl A.

2008-01-01

Abstract Objective To evaluate factors that affect the financial performance of hospice. Methods Using the California Office of Statewide Health Planning and Development 2003 survey, we evaluated the organizational attributes, clinical care, and financial performance of 185 operational hospices. As outcomes, we evaluated revenues, costs, and profits per patient and per patient–day, the intensity and skill mix of care, and the provision of charitable and special palliative services. We evaluated regression-adjusted differences by profit status controlling for other organizational features and aggregate patient characteristics. Results Hospices reported median revenue of $6865 per patient and $138 per patient–day (for-profit-not-for profit [FP-NFP] difference −$20, p = 0.045), median cost of $6737 per patient, and $135 per patient–day (FP-NFP difference −$55, p = 0.002), and median pretax profit of $334 per patient and $6 per patient–day (FP-NFP difference $34, p = 0.026). Patients received a median of 29.9 total visits by all providers per patient (FP-NFP difference 8.8 visits, p = 0.010), but there was no difference in total visits per patient–day. A median of 50.8% of all nursing visits were registered nurse (RN) visits (FP-NFP difference −14.1%, p < 0.001). Few hospices provided charity care, and only 4% of hospices reported expenditures on chemotherapy and only 9% on radiation therapy. Conclusions Overall hospice profitability is low. Length of stay is strongly associated with financial performance, and greater FP profitability is related to lower costs. FP hospices also provide less RN care as a proportion of nursing care. Few hospices provide charitable care or special costly services. The relationship of service patterns to patient quality needs to be examined. PMID:18788962

Paying the price at the end of life: a consideration of factors that affect the profitability of hospice.

PubMed

O'Neill, Sean M; Ettner, Susan L; Lorenz, Karl A

2008-09-01

To evaluate factors that affect the financial performance of hospice. Using the California Office of Statewide Health Planning and Development 2003 survey, we evaluated the organizational attributes, clinical care, and financial performance of 185 operational hospices. As outcomes, we evaluated revenues, costs, and profits per patient and per patient-day, the intensity and skill mix of care, and the provision of charitable and special palliative services. We evaluated regression-adjusted differences by profit status controlling for other organizational features and aggregate patient characteristics. Hospices reported median revenue of $6865 per patient and $138 per patient-day (for-profit-not-for profit [FP-NFP] difference -$20, p = 0.045), median cost of $6737 per patient, and $135 per patient-day (FP-NFP difference -$55, p = 0.002), and median pretax profit of $334 per patient and $6 per patient-day (FP-NFP difference $34, p = 0.026). Patients received a median of 29.9 total visits by all providers per patient (FP-NFP difference 8.8 visits, p = 0.010), but there was no difference in total visits per patient-day. A median of 50.8% of all nursing visits were registered nurse (RN) visits (FP-NFP difference -14.1%, p < 0.001). Few hospices provided charity care, and only 4% of hospices reported expenditures on chemotherapy and only 9% on radiation therapy. Overall hospice profitability is low. Length of stay is strongly associated with financial performance, and greater FP profitability is related to lower costs. FP hospices also provide less RN care as a proportion of nursing care. Few hospices provide charitable care or special costly services. The relationship of service patterns to patient quality needs to be examined.

26 CFR 1.1333-1 - Tax adjustment measured by prior benefits.

Code of Federal Regulations, 2012 CFR

2012-04-01

... excess profits credit under chapter 2E of the Internal Revenue Code of 1939 for any taxable year shall... year. In case there is an increase in the excess profits tax under chapter 2E of the Internal Revenue... excess profits tax under chapter 2E of the Internal Revenue Code of 1939 for the taxable year in which an...

26 CFR 1.1333-1 - Tax adjustment measured by prior benefits.

Code of Federal Regulations, 2014 CFR

2014-04-01

... excess profits credit under chapter 2E of the Internal Revenue Code of 1939 for any taxable year shall... year. In case there is an increase in the excess profits tax under chapter 2E of the Internal Revenue... excess profits tax under chapter 2E of the Internal Revenue Code of 1939 for the taxable year in which an...

26 CFR 1.1333-1 - Tax adjustment measured by prior benefits.

Code of Federal Regulations, 2013 CFR

2013-04-01

... excess profits credit under chapter 2E of the Internal Revenue Code of 1939 for any taxable year shall... year. In case there is an increase in the excess profits tax under chapter 2E of the Internal Revenue... excess profits tax under chapter 2E of the Internal Revenue Code of 1939 for the taxable year in which an...

26 CFR 1.1333-1 - Tax adjustment measured by prior benefits.

Code of Federal Regulations, 2010 CFR

2010-04-01

... excess profits credit under chapter 2E of the Internal Revenue Code of 1939 for any taxable year shall... year. In case there is an increase in the excess profits tax under chapter 2E of the Internal Revenue... excess profits tax under chapter 2E of the Internal Revenue Code of 1939 for the taxable year in which an...

26 CFR 1.1333-1 - Tax adjustment measured by prior benefits.

Code of Federal Regulations, 2011 CFR

2011-04-01

... excess profits credit under chapter 2E of the Internal Revenue Code of 1939 for any taxable year shall... year. In case there is an increase in the excess profits tax under chapter 2E of the Internal Revenue... excess profits tax under chapter 2E of the Internal Revenue Code of 1939 for the taxable year in which an...

16 CFR 802.64 - Acquisitions of voting securities by certain institutional investors.

Code of Federal Regulations, 2013 CFR

2013-01-01

....C. 80a-1 et seq.); (7) Finance company; (8) Broker-dealer within the meaning of 15 U.S.C. 78c(a)(4..., pension, or profit-sharing trust qualified under section 401 of the Internal Revenue Code; (11) Bank... that H is a holding company which controls a life insurance company, a casualty insurer and a finance...

16 CFR 802.64 - Acquisitions of voting securities by certain institutional investors.

Code of Federal Regulations, 2012 CFR

2012-01-01

....C. 80a-1 et seq.); (7) Finance company; (8) Broker-dealer within the meaning of 15 U.S.C. 78c(a)(4..., pension, or profit-sharing trust qualified under section 401 of the Internal Revenue Code; (11) Bank... that H is a holding company which controls a life insurance company, a casualty insurer and a finance...

16 CFR 802.64 - Acquisitions of voting securities by certain institutional investors.

Code of Federal Regulations, 2014 CFR

2014-01-01

....C. 80a-1 et seq.); (7) Finance company; (8) Broker-dealer within the meaning of 15 U.S.C. 78c(a)(4..., pension, or profit-sharing trust qualified under section 401 of the Internal Revenue Code; (11) Bank... that H is a holding company which controls a life insurance company, a casualty insurer and a finance...

17 CFR 270.17d-1 - Applications regarding joint enterprises or arrangements and certain profit-sharing plans.

Code of Federal Regulations, 2010 CFR

2010-04-01

... advance of credit to, or acquisition of securities or other property of, a small business concern, or any agreement to do any of the foregoing (“Investments”), made by a bank and a small business investment company (SBIC) licensed under the Small Business Investment Act of 1958, whether such transactions are...

17 CFR 270.17d-1 - Applications regarding joint enterprises or arrangements and certain profit-sharing plans.

Code of Federal Regulations, 2011 CFR

2011-04-01

... advance of credit to, or acquisition of securities or other property of, a small business concern, or any agreement to do any of the foregoing (“Investments”), made by a bank and a small business investment company (SBIC) licensed under the Small Business Investment Act of 1958, whether such transactions are...

Problem-Based Service Learning with a Heart: Organizational and Student Expectations and Experiences in a Postgraduate Not-for-Profit Workshop Event

ERIC Educational Resources Information Center

McDonald, Sharyn; Ogden-Barnes, Stephen

2013-01-01

Service learning and problem-based learning (PBL) are distinct, yet related educational approaches. When collaborative learning events which encourage the application of the PBL principles to real world challenges faced by Not-For-Profit organizations (NFPs), these learning approaches become potentially synergistic. However, there is limited…

Social Networking, Microlending, and Translation in the Spanish Service-Learning Classroom

ERIC Educational Resources Information Center

Faszer-McMahon, Debra

2013-01-01

This small-scale study analyzes the use of service-learning pedagogy via non-profit translation in the intermediate-level language classroom. Forty-three students at the intermediate-high level in three Spanish classes in Greensburg, Pennsylvania served as part of a translation team for the non-profit organization Kiva, which helps to fund…

M-tourism as increasing trend within current tourism and recreation - Polish and international experience

NASA Astrophysics Data System (ADS)

Kuska, Michalina; Augustyńska, Beata; Mikołajewska, Emilia; Mikołajewski, Dariusz

2017-11-01

Mobile solutions (smartphones, tablet computers, smartwatches, smartbands, gps locallzators, and associated software) become normal part of our daily activities. Thus novel part of e-commerce named m-tourism is developing rapidly. It may maximise profitability across national boundaries and make tourism easier, quicker and cheaper than before. We should be prepared to associated changes and novel economics. Aim of the article is to investigate factors associated with m-tourism experiences, and the association between use of e-services and tourism experiences and subsequent satisfaction.

Is Profit Status of Inpatient Rehabilitation Facilities Independently Associated with 30-day Unplanned Hospital Readmission for Medicare Beneficiaries?

PubMed Central

Karmarkar, Amol; Lin, Yu-Li; Kuo, Yong-Fang; Ottenbacher, Kenneth J.; Graham, James E.

2017-01-01

Objective To investigate the effects of facility-level factors on 30-day unplanned risk-adjusted hospital readmission after Inpatient Rehabilitation Facilities (IRFs) discharge. Design We used the 100% Medicare claims data, covering 269,306 discharges from 1,094 IRFs between October 2010 and September 2011. We examined the association between hospital readmission and ten facility-level factors (number of discharges, disproportionate share percentage, profit status, teaching status, freestanding status, accreditation status, census region, stroke belt, location and median household income). Setting Discharge from IRFs. Participants Facilities (IRFs) serving Medicare fee-for-service beneficiaries. Intervention NA Main Outcome Measure(s) Risk Standardized Readmission Rate (RSRR) for 30-day hospital readmission. Results Profit status was the only IRF provider-level characteristic significantly associated with unplanned readmissions. For-profit IRFs had significantly higher RSRR (13.26 ± 0.51) as compared to non-profit IRFs (13.15 ± 0.47) (p<0.001). After controlling for all other facility characteristics (except for accreditation status due to collinearity), for-profit IRFs remained 0.1% point higher RSRR than non-profit IRFs, and census region was the only significant region-level characteristic, with the South showing the highest RSRR of all regions (p=0.005 for both, type III test). Conclusions Our findings support the inclusion of profit status on the IRF Compare website (a platform includes IRF comparators to indicate quality of services). For-profit IRFs had higher RSRR than non-profit IRFs for Medicare beneficiaries. The South had higher RSRR than other regions. The RSRR difference between for-profit and non-profit IRFs could be due to the combined effects of organizational and regional factors. PMID:28958606

The University of Washington Health Sciences Library BioCommons: an evolving Northwest biomedical research information support infrastructure

PubMed Central

Minie, Mark; Bowers, Stuart; Tarczy-Hornoch, Peter; Roberts, Edward; James, Rose A.; Rambo, Neil; Fuller, Sherrilynne

2006-01-01

Setting: The University of Washington Health Sciences Libraries and Information Center BioCommons serves the bioinformatics needs of researchers at the university and in the vibrant for-profit and not-for-profit biomedical research sector in the Washington area and region. Program Components: The BioCommons comprises services addressing internal University of Washington, not-for-profit, for-profit, and regional and global clientele. The BioCommons is maintained and administered by the BioResearcher Liaison Team. The BioCommons architecture provides a highly flexible structure for adapting to rapidly changing resources and needs. Evaluation Mechanisms: BioCommons uses Web-based pre- and post-course evaluations and periodic user surveys to assess service effectiveness. Recent surveys indicate substantial usage of BioCommons services and a high level of effectiveness and user satisfaction. Next Steps/Future Directions: BioCommons is developing novel collaborative Web resources to distribute bioinformatics tools and is experimenting with Web-based competency training in bioinformation resource use. PMID:16888667

Defense Science Board Task Force Report: The Role of Autonomy in DoD Systems

DTIC Science & Technology

2012-07-01

ASD(R&E) and the Military Services should schedule periodic, on-site collaborations that bring together academia, government and not-for-profit labs...expressing UxV activities, increased problem solving, planning and scheduling capabilities to enable dynamic tasking of distributed UxVs and tools for...industrial, governmental and military. Manufacturing has long exploited planning for logistics and matching product demand to production schedules

Longitudinal analysis of high-technology medical services and hospital financial performance.

PubMed

Zengul, Ferhat D; Weech-Maldonado, Robert; Ozaydin, Bunyamin; Patrician, Patricia A; OʼConnor, Stephen J

U.S. hospitals have been investing in high-technology medical services as a strategy to improve financial performance. Despite the interest in high-tech medical services, there is not much information available about the impact of high-tech services on financial performance. The aim of this study was to examine the impact of high-tech medical services on financial performance of U.S. hospitals by using the resource-based view of the firm as a conceptual framework. Fixed-effects regressions with 2 years lagged independent variables using a longitudinal panel sample of 3,268 hospitals (2005-2010). It was hypothesized that hospitals with rare or large numbers (breadth) of high-tech medical services will experience better financial performance. Fixed effects regression results supported the link between a larger breadth of high-tech services and total margin, but only among not-for-profit hospitals. Both breadth and rareness of high-tech services were associated with high total margin among not-for-profit hospitals. Neither breadth nor rareness of high-tech services was associated with operating margin. Although breadth and rareness of high-tech services resulted in lower expenses per inpatient day among not-for-profit hospitals, these lower costs were offset by lower revenues per inpatient day. Enhancing the breadth of high-tech services may be a legitimate organizational strategy to improve financial performance, especially among not-for-profit hospitals. Hospitals may experience increased productivity and efficiency, and therefore lower inpatient operating costs, as a result of newer technologies. However, the negative impact on operating revenue should caution hospital administrators about revenue reducing features of these technologies, which may be related to the payer mix that these technologies may attract. Therefore, managers should consider both the cost and revenue implications of these technologies.

For Education Entrepreneurs, Innovation Yields High Returns

ERIC Educational Resources Information Center

Petersen, Julie Landry

2014-01-01

Education entrepreneurs create either a for-profit or nonprofit enterprise, based on their fundraising needs, the revenue model that will suit their product or service, and the employees they hope to entice. Those who take the for-profit route face mistrust on the part of policymakers and many parents, and for-profit ventures have consequently…

Is There a Trade-off Between Quality and Profitability in United States Nursing Homes?

PubMed

Godby, Tyler; Saldanha, Sarah; Valle, Jazmine; Paul, David P; Coustasse, Alberto

Nursing home residents across the United States rely on quality care and effective services. Nursing homes provide skilled nurses and nursing aides who can provide services 24 hours a day for individuals who could not perform these tasks for themselves. Not-for-profit (NFP) versus for-profit (FP) nursing homes have been examined for utilization and efficacy; however, it has been shown that NFP nursing homes generally offer higher quality care and generate greater profit margins compared with FP nursing homes. The purpose of this research was to determine if NFP nursing homes provide enhanced quality care and a larger profit margin compared with FP nursing homes. Benefits and barriers in regard to financial stability and quality of care exist for both FP and NFP homes. Based on the findings of this review, it is suggested that NFP nursing homes have achieved higher quality of care because of a more effective balance of business aspects, as well as prioritizing resident well-being, and care quality over profit maximization in NFP homes.

Harmonised information exchange between decentralised food composition database systems.

PubMed

Pakkala, H; Christensen, T; de Victoria, I Martínez; Presser, K; Kadvan, A

2010-11-01

The main aim of the European Food Information Resource (EuroFIR) project is to develop and disseminate a comprehensive, coherent and validated data bank for the distribution of food composition data (FCD). This can only be accomplished by harmonising food description and data documentation and by the use of standardised thesauri. The data bank is implemented through a network of local FCD storages (usually national) under the control and responsibility of the local (national) EuroFIR partner. The implementation of the system based on the EuroFIR specifications is under development. The data interchange happens through the EuroFIR Web Services interface, allowing the partners to implement their system using methods and software suitable for the local computer environment. The implementation uses common international standards, such as Simple Object Access Protocol, Web Service Description Language and Extensible Markup Language (XML). A specifically constructed EuroFIR search facility (eSearch) was designed for end users. The EuroFIR eSearch facility compiles queries using a specifically designed Food Data Query Language and sends a request to those network nodes linked to the EuroFIR Web Services that will most likely have the requested information. The retrieved FCD are compiled into a specifically designed data interchange format (the EuroFIR Food Data Transport Package) in XML, which is sent back to the EuroFIR eSearch facility as the query response. The same request-response operation happens in all the nodes that have been selected in the EuroFIR eSearch facility for a certain task. Finally, the FCD are combined by the EuroFIR eSearch facility and delivered to the food compiler. The implementation of FCD interchange using decentralised computer systems instead of traditional data-centre models has several advantages. First of all, the local partners have more control over their FCD, which will increase commitment and improve quality. Second, a multicentred solution is more economically viable than the creation of a centralised data bank, because of the lack of national political support for multinational systems.

How Continental Bank outsourced its "crown jewels.".

PubMed

Huber, R L

1993-01-01

No industry relies more on information than banking does, yet Continental, one of America's largest banks, outsources its information technology. Why? Because that's the best way to service the customers that form the core of the bank's business, says vice chairman Dick Huber. In the late 1970s and early 1980s, Continental participated heavily with Penn Square Bank in energy investments. When falling energy prices burst Penn Square's bubble in 1982, Continental was stuck with more than $1 billion in bad loans. Eight years later when Dick Huber came on board, Continental was working hard to restore its once solid reputation. Executives had made many tough decisions already, altering the bank's focus from retail to business banking and laying off thousands of employees. Yet management still needed to cut costs and improve services to stay afloat. Regulators, investors, and analysts were watching every step. Continental executives, eager to focus on the bank's core mission of serving business customers, decided to outsource one after another in-house service--from cafeteria services to information technology. While conventional wisdom holds that banks must retain complete internal control of IT, Continental bucked this argument when it entered into a ten-year, multimillion-dollar contract with Integrated Systems Solutions Corporation. Continental is already reaping benefits from outsourcing IT. Most important, Continental staffers today focus on their true core competencies: intimate knowledge of customers' needs and relationships with customers.

Economic impact of angioplasty salvage techniques, with an emphasis on coronary stents: a method incorporating costs, revenues, clinical effectiveness and payer mix.

PubMed

Vaitkus, P T; Witmer, W T; Brandenburg, R G; Wells, S K; Zehnacker, J B

1997-10-01

We sought to broaden assessment of the economic impact of percutaneous transluminal coronary angioplasty (PTCA) revascularization salvage strategies by taking into account costs, revenues, the off-setting effects of prevented clinical complications and the effects of payer mix. Previous economic analyses of PTCA have focused on the direct costs of treatment but have not accounted either for associated revenues or for the ability of costly salvage techniques such as coronary stenting to reduce even costlier complications. Procedural costs, revenues and contribution margins (i.e., "profit") were measured for 765 consecutive PTCA cases to assess the economic impact of salvage techniques (prolonged heparin administration, thrombolysis, intracoronary stenting or use of perfusion balloon catheters) and clinical complications (myocardial infarction, coronary artery bypass graft surgery [CABG] or acute vessel closure with repeat PTCA). To assess the economic impact of various salvage techniques for failed PTCA, we used actual 1995 financial data as well as models of various mixes of fee-for-service, diagnosis-related group (DRG) and capitated payers. Under fee-for-service arrangements, most salvage techniques were profitable for the hospital. Stents were profitable at almost any level of clinical effectiveness. Under DRG-based systems, most salvage techniques such as stenting produced a financial loss to the hospital because one complication (CABG) remained profitable. Under capitated arrangements, stenting and other salvage modalities were profitable only if they were clinically effective in preventing complications in > 50% of cases in which they were used. The economic impact of PTCA salvage techniques depends on their clinical effectiveness, costs and revenues. In reimbursement systems dominated by DRG payers, salvage techniques are not rewarded, whereas complications are. Under capitated systems, the level of clinical effectiveness needed to achieve cost savings is probably not achievable in current practice. Further studies are needed to define equitable reimbursement schedules that will promote clinically effective practice.

78 FR 52112 - Proposed Amendment of Class E Airspace; Cut Bank, MT

Federal Register 2010, 2011, 2012, 2013, 2014

2013-08-22

...-0664; Airspace Docket No. 13-ANM-22] Proposed Amendment of Class E Airspace; Cut Bank, MT AGENCY... action proposes to modify Class E airspace at Cut Bank Municipal Airport, Cut Bank, MT. Controlled... from 700/1,200 feet above the surface at Cut Bank Municipal Airport, Cut Bank, MT. Controlled airspace...

Banking Services, Business Education: 7713.15.

ERIC Educational Resources Information Center

Griffee, Alice

This course in banking intends to give students an insight into the personal and business services that banks provide. It includes instruction on savings and checking accounts, loans, trusts, and safety deposit facilities. Also included are the performance objectives, five pages of an outline on course content, suggested teaching and learning…

12 CFR 1102.310 - Service of process.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Service of process. 1102.310 Section 1102.310... Office, Procedures, Public Information § 1102.310 Service of process. (a) Service. Any subpoena or other... 20006. Where the ASC is named as a party, service of process shall be made pursuant to the Federal Rules...

Wireless Sensor Network-Based Service Provisioning by a Brokering Platform

PubMed Central

Guijarro, Luis; Pla, Vicent; Vidal, Jose R.; Naldi, Maurizio; Mahmoodi, Toktam

2017-01-01

This paper proposes a business model for providing services based on the Internet of Things through a platform that intermediates between human users and Wireless Sensor Networks (WSNs). The platform seeks to maximize its profit through posting both the price charged to each user and the price paid to each WSN. A complete analysis of the profit maximization problem is performed in this paper. We show that the service provider maximizes its profit by incentivizing all users and all Wireless Sensor Infrastructure Providers (WSIPs) to join the platform. This is true not only when the number of users is high, but also when it is moderate, provided that the costs that the users bear do not trespass a cost ceiling. This cost ceiling depends on the number of WSIPs, on the value of the intrinsic value of the service and on the externality that the WSIP has on the user utility. PMID:28498347

Wireless Sensor Network-Based Service Provisioning by a Brokering Platform.

PubMed

Guijarro, Luis; Pla, Vicent; Vidal, Jose R; Naldi, Maurizio; Mahmoodi, Toktam

2017-05-12

This paper proposes a business model for providing services based on the Internet of Things through a platform that intermediates between human users and Wireless Sensor Networks (WSNs). The platform seeks to maximize its profit through posting both the price charged to each user and the price paid to each WSN. A complete analysis of the profit maximization problem is performed in this paper. We show that the service provider maximizes its profit by incentivizing all users and all Wireless Sensor Infrastructure Providers (WSIPs) to join the platform. This is true not only when the number of users is high, but also when it is moderate, provided that the costs that the users bear do not trespass a cost ceiling. This cost ceiling depends on the number of WSIPs, on the value of the intrinsic value of the service and on the externality that the WSIP has on the user utility.

The First Women Bank -- why and for whom?

PubMed

Bilquees, F

1991-01-01

The First Women Bank with 10 branches in Pakistani cities was to have been modeled after the Grameen Bank of Bangladesh and serve the needs of very poor women. In fact, all but two branches are located in settings which are not available to the low income population and appear to cater to the needs of the wealthy. These contradictions between purpose and practice are examined in terms of the criteria for establishment of the bank and the operational strategy for bank clientele, deposit taking and credit services. Recommendations are provided. The original idea for the bank was proposed by the Finance Minister in a speech or a new Finance Minister established the women;s bank to be run by women in order to improve the socioeconomic status of women in Pakistan by offering traditional and nontraditional services. The gesture was political and not well though out. The clientele of the bank are not exclusively women. Operations are different than those which are available at other banks. The State Bank oversees operations and can always justify decisions. The bank is supposed to provide easy access to source of credit, a simplified procedure and equity requirements. Consulting and market analytical services are provided as are training facilities for women entrepreneurs. Artistic work and products from women's operations are exhibited and promoted through national and international and industrial exhibitions. In practice, the locations deter low income women from participation. Only 40% of the borrowers were identified as low income. Investment by poor women was primarily in small retail outlets. 40% were middle income and 20% were high income borrowers. The nontraditional services mandated were ignored. What actually exists is a commercial bank in the name of women.

Blood banking services in India.

PubMed

Sardana, V N

1996-01-01

India's health care sector has made impressive strides toward providing health for all by the year 2000. That progress, however, has not been supported by a modern transfusion services network which continues to improve itself. In India, blood collection, storage, and delivery occur mainly in blood banks attached to hospitals, most of which are under central and state government controls. A significant portion of blood banking activity is also done by voluntary agencies and private sector blood banks. A study found the blood transfusion services infrastructure to be highly decentralized and lacking of many critical resources; an overall shortage of blood, especially from volunteer donors; limited and erratic testing facilities; an extremely limited blood component production/availability/use; and a shortage of health care professionals in the field of transfusion services. Infrastructural modernization and the technical upgrading of skills in the blood banks would, however, provide India with a dynamic transfusion services network. The safety of blood transfusion, the national blood safety program, HIV testing facilities, modernization of blood banks, the rational use of blood, program management, manpower development, the legal framework, voluntary blood donation, and a 1996 Supreme Court judgement on the need to focus greater attention upon the blood program are discussed.

Can Quantum Physics Find the Answer to the World Financial Crisis.

NASA Astrophysics Data System (ADS)

Dieng, Lamine

2014-03-01

We assume the global wealth of nations within the G-Global to be an American call option described as a stochastic process. We let the American call option to grow and to eventually generate profits to the nations of the G-Global. We show profits taken to be a discontinuous process, because when an investment banker or a country makes more profits continuously, then their vision will be guided by greed. When banks try to maximize profits continuously and so they operate on the edge of bankruptcy. We also assume the global wealth to be an index defined in terms of the expected global wealth of nations and normalized by their GDPs. We impose the following conditions: a). The sum of the GDPs of all nations making the G-Global is one (1), the normalizing GDP should not have an influence on the global wealth. All nations should be treated on the same footing. b). the change of the global wealth of nations to be a supermartingale. We set the drift term of the expectation decreasing process to be equal to zero. We obtain an Ordinary Differential Equation describing the dynamic of global wealth

26 CFR 1.901-2 - Income, war profits, or excess profits tax paid or accrued.

Code of Federal Regulations, 2011 CFR

2011-04-01

... or accrued. 1.901-2 Section 1.901-2 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE... economic benefit includes property; a service; a fee or other payment; a right to use, acquire or extract... person that, under foreign law, is deemed to distribute such amount, but only if the foreign country does...

26 CFR 1.901-2 - Income, war profits, or excess profits tax paid or accrued.

Code of Federal Regulations, 2010 CFR

2010-04-01

... or accrued. 1.901-2 Section 1.901-2 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE... economic benefit includes property; a service; a fee or other payment; a right to use, acquire or extract... person that, under foreign law, is deemed to distribute such amount, but only if the foreign country does...