... lower earnings as measured by ROA, and worse liquidity as measured by Cash & Due to assets, Investment Securities to assets, and Brokered Deposits to assets These results closely follow the univariate ... Reserves): Since loan loss reserves represent a reduction in assets against anticipated losses on specific assets (e.g., a loan), they provide a source of strength against subsequent losses Consequently, ... to failure Robustness Checks and Extensions In this section, we provide a set of robustness checks on our basic results, as well as extending them in interesting ways First, we exclude our technical...
... operation, use, and protection of society s essential physical assets and natural resources and to enhance the related social assets of safety and security of individuals in transit andin their workplaces ... impacts on both the magnitude ofthe external costs of trucks and trains andthe difference in their costs An examination of these costs individually shows that the magnitude ofthe accident-cost ... to their largest customers as they worked to stimulate demand Shippers, especially small agricultural producers, have loudly protested that the actions ofthe rail industry since the passage of...
... the short-term borrowing needs of substantial southern Massachusetts businesses and individuals.140 The bank started discounting notes in September 1825 By June 1826, it had discounted a thousand ... Governance and U. S Community Banks, 1790-2010 21 finance micro-businesses.103 Most such lending was done by individuals, including Benjamin Franklin, who thought so highly ofthe business that he established ... hand, and less than most other Massachusetts banks, except during tumultuous periods like the late 183 0s. 132 By maintaining low reserve levels during good times, the bank was able to purchase...
... German savings banks are as successful in structurally weaker regions as in prosperous regions or if they are locked in cumulative processes This will be discussed inthe following REGIONAL BANKS AND ... ff) The German savings bank financial group consists of savings banks, regional and federal associations, regional banks, public insurance groups etc., and amounts to about 670 businesses and ... areas of saving banks (For in- depth methodical information see Gärtner 2007) Fig 2: Savings banks andthe spatial structure Kreis A Kreis B Savings B Savings B Savings B Savings B Savings B Kreis...
... IB structure, substrates and products can diffuse inside and outside making IBs useful depositories of highly purified enzymes Electron microscopy was also applied to studying the shape and surface ... those containing disulfide bonds or requiring cofactors, multidomain proteins, fusion proteins Inthe following we summarize recent progress in this field, whereas the use of IBs inthe study of ... while most studies pursued either solubility improvement or denaturation ⁄ renaturation of purified IBs Within the first line, the most successful techniques are fusion with solubility tags, use of...
... Simulated Values Minus 1989 Actual Values Lorenz Curves: Simulated Values Minus 1984 Actual Values Lorenz Curves: Simulated Values Minus 1989 Actual Values Household Quantile Curves: 1989 Baseline ... changes inthe distribution of assets, changes inthe returns to those assets, and changes in how individuals and households choose to use their assets The next chapter contains a formal presentation ... merely on the path of summary statistics And it can decompose any change inthe incomes of a set of households into its fundamental sources: changes inthe amounts of resources at their disposal (reflected...
... healthcare outcomes for individuals, populations, or systems Master s- level nursing graduates must have an expanded level of understanding of nursing and related sciences built on the Essentials of Baccalaureate ... inthe Regional Meetings 64 The Essentials of Master s Education in Nursing March 21, 2011 The Essentials of Master s Education in Nursing reflect the profession s continuing call for imagination, ... increasing responsibility of nursing in addressing many ofthe gaps in health care as well as growing patient and population needs Master s nursing education, as is all nursing education, is evolving...
... north-west of Sydney, New South Wales, Australia, which produce large volumes of stormwater with high suspended solids and nutrient concentrations during storm events (Hunter and Claus 1995) Stormwater ... (1987) Virus association with suspended solids In Human Viruses in Sediments, Sludges, and Soils ed by Rao, V.C and Melnick, J.L pp 58±75 Boca Raton, FL: CRC Press Inc Roper, M.M and Marshall, K.C ... sediment and water column samples are indicated in Fig 2b The soil landscape for each ofthe systems is typi®ed by hard setting clays that are slightly saline and acidic with occurrences of soil...
... marking the unfolding and extension ofthe unsequestered residues After exposing the disulfide bonds to the solution by unfolding, we track the rate of reduction ofthe exposed disulfides with ... molecule Inthe two examples shown in Figures A and B we observe a staircase of unfolding events consisting of step increases in length of 24 nm corresponding to the unfolding of each module inthe ... traces, n = 15 for H2O and n = 36 for D2O) collapse much further resulting in smaller values of LN Strikingly, the number of successfully folding I27 proteins increases significantly inthe presence...
... NPHS and other surveys examining aspects of health15–17 respondents were asked a series of questions about their ability to carry out ADLs and IADLs Questions about ADLs measure an individual s ... population living in institutional settings Deinstitutionalization and hospital closures are having a growing impact on community-based services Whether the expansion of community-based services ... Beyond the age of 75, utilization increases rapidly, which is consistent with the decline in health status but even more so with the self-assessment of health as good to excellent These findings suggest...
... stress and strain (o, and ~q)- Relating the equivalent stress and strain to the principal stress and strain (oi and si) The fxst step is accomplished by using Neuber 's rule? but replacing the uniaxial ... stress In fatigue loading, the cyclic stress-strain curve obtained fiom cornpanion samples or the incremental step test is used to calculate stress and strain amplitudes, whereas the hysteresis ... occurs when the darnage sum equals unity The damage sum, D, is defined as the fraction of life used up by a senes of damaging load excursions The mle is expressed as: where n is the number of...
... encephalitis caused by mumps virus, measles virus or rubella virus were found inthe population after 1982, when the MMR vaccine against these viruses was introduced This was also noted by other researchers ... encephalitis in Western Industrialised countries Most ofthe studies of acute encephalitis of any cause have emerged from Western countries, where HSV, measles, mumps or rubella viruses were the most ... Both studies included all CNS infections and then subdivided them by diagnosis Inthe discussion for both studies the authors are careful to explain the lack of viral diagnostic facilities and...
... glycoprotein of Lassa virus (strain Josiah) was expressed using the beta-actin promotor-driven pCAGGS vector [6,23] Lassa virus N-glycosylation mutants were generated by recombinant PCR using overlapping ... sugar types Glycosidase sensitivity of cell surface transported Lassa virus Figure glycoprotein Glycosidase sensitivity of cell surface transported Lassa virus glycoprotein At 48 h post-transfection, ... PNGase F (lane 3) The samples were separated by SDS-PAGE with subsequent immunoblotting Biotinylated proteins were detected using streptavidin coupled to horse radish peroxidase and chemiluminescence...
... states 6 EURASIP Journal on Audio, Speech, and Music Processing Table 3: Statistics ofthe various subsets ofthe FAU Aibo Emotion Corpus: training on the balanced subsets of Ohm, testing on the ... quality ofthe NMDS result is given in Figure 1; it is assessed using Kruskal s stress function Sandthe squared correlation RSQ [26] The figure is translated such that Neutral is located inthe centre ... 4: Size ofthe vocabulary for the different training and test subsets ofthe FAU Aibo Emotion Corpus; training on the balanced subsets of Ohm, testing on the unbalanced subsets of Mont Number of...
... Journal of Medical Case Reports 2008, 2:239 distinctive phases: a prepulseless (inflammatory or systemic) phase and a pulseless phase Clinical disease preceding the pulseless phase of TA ... C-ANCA and rheumatoid factors were negative Cerebrospinal fluid protein level (94 mg/dl) was increased without intrathecal synthesis of immunoglobulins For suspected arteritis and to detect systemic ... was observed in other sites The patient was given intravenous high-dose bolus prednisone followed by pulse cyclophosphamide, which resulted in a favorable clinical course and normalization of the...
... of EDTA anticoagulated blood within six hours of receipt ofthe specimen Smears were fixed in methanol for 10 minutes Immunofluorescence staining was carried out on the smears using pp65 staining ... participated inthe design ofthe study and performed the statistical analysis HNM conceived ofthe study, and participated in its design and coordination All authors read and approved the final manuscript ... present in them or other invasive procedures that lead to transmission of HCMV Inthe sub-group III of Group A since the donor sandthe recipient s pre-transplantation sample were tested positive...
... blocks) between chromosomal segments either within or between species and uses as input a set of homologous markers We used as input to the FISH package the results of a BLASTP search in which the ... abundance in other parts ofthe chromosome No such clustering of simple sequence repeats (SSRs) was evident, although a slight depression in SSR frequency was observed within TE clusters (Figure 1) ... N crassa and F graminearum than genes outside ofthe TE clusters Based on these findings, we propose that TE clusters are major contributors to the genesis and evolution of new genes inthe M...
... WORKS OFTHE DISSERTATION S AUTHOR Nguyen Thi Minh Nham (2009), “Some remarks on the role of leaders, manager at grassroots level in Dong Phu District, Binh Phuoc in implementing children s rights”, ... Head of scientific research topic at province level “Enhancing the role of leaders, managers at grassroots level on ensuring the implementation of children s rights in Binh Phuoc Province at present”, ... children s rights (Through researching cases in Dong Phu District, Binh Phuoc Province”, Sociology, (02), page 52-60 Nguyen Thi Minh Nham (2010), The role of leaders, managers at grassroots level in...
... substances secreted from nerve cells, reflecting changes occurring inthe CNS CSF analysis remains a key tool in understanding the status and functions ofthe CNS, and investigating the mechanisms of ... This subsequently leads to activation and proliferation of astrocytes, correlating with the release of even more pain enhancing substances These substances modulate pain processing by influencing ... disease prevention, diagnosis and interventions, the life span of human beings andthe survival rates of patients with pain-inducing disorders have increased This brings about even higher demands...