Small business lending in low- and Moderate-income areas: The effects of credit scoring

Credit scoring systems ; Lender liability ; Small business

A phenomenological interpretation of open charm production at HERA in terms of the semi-hard approach

In the framework of the semi-hard (k_t-factorization) approach, we analyze the various charm production processes in the kinematic region covered by the HERA experiments.Comment: DESY 02-017, LUNFD6/(NFFL--7209) 200

Use of glide-ins in CMS for production and analysis

With the evolution of various grid federations, the Condor glide-ins represent a key feature in providing a homogeneous pool of resources using late-binding technology. The CMS collaboration uses the glide-in based Workload Management System, glideinWMS, for production (ProdAgent) and distributed analysis (CRAB) of the data. The Condor glide-in daemons traverse to the worker nodes, submitted via Condor-G. Once activated, they preserve the Master-Worker relationships, with the worker first validating the execution environment on the worker node before pulling the jobs sequentially until the expiry of their lifetimes. The combination of late-binding and validation significantly reduces the overall failure rate visible to CMS physicists. We discuss the extensive use of the glideinWMS since the computing challenge, CCRC-08, in order to prepare for the forthcoming LHC data-taking period. The key features essential to the success of large-scale production and analysis on CMS resources across major grid federations, including EGEE, OSG and NorduGrid are outlined. Use of glide-ins via the CRAB server mechanism and ProdAgent, as well as first hand experience of using the next generation CREAM computing element within the CMS framework is discussed

Sediment and carbon accumulation in sub-tropical salt marsh and mangrove habitats of north-eastern coast of Bay of Bengal, Indian Ocean

Researches on salt marsh mangrove habitats as global carbon sink are increasing worldwide. However, uncertainties in measuring carbon sequestration capacity of the vulnerable subtropical South Asian coastal habitat thus obstructing the mapping sediment and carbon accumulation rate of their importance.The present investigation was carried out to assess the sedimentation and carbon accumulation rate in salt marsh and mangrove habitats in the vicinity of Sitakunda coast, Chittagong, Bangladesh. The data indicate that sedimentation rate was 22.76±2.56 mg/cm2/day in mangrove area, 63.52±7.42 mg/cm2/day in lower mangrove area, 97.02±6.64 mg/cm2/day in higher marsh area, 5.91±1.16 mg/cm 2/day in lower marsh area and 9.81±0.03 mg/cm2/day in muddy area. The average sedimentation rate was found 39.82±6.72 mg/cm2/day during the study period. Soil organic matter in the newly deposited sediment was 3.89±1.28%, while 3.57±0.77% in accumulated peat sediment.Organic carbon of the newly deposited sediment was 2.05±0.93% and 1.89±0.55% in accumulated peat sediment. Usually, the organic materials were found higher in the peat soil in the wetland habitat, while lower amount of organic materials are found in the present peat soil. Lower amount of organic materials in peat soil in the study area could probably due to higher utilization of organic materials by aquatic plants. Further, uncertainties remain about sediment and carbon accumulation changes with tidal range, latitude and elevation in study area require long-term spatio-temporal investigation

Suppression of Phase Separation in LiFePO4 Nanoparticles During Battery Discharge

Using a novel electrochemical phase-field model, we question the common belief that LixFePO4 nanoparticles separate into Li-rich and Li-poor phases during battery discharge. For small currents, spinodal decomposition or nucleation leads to moving phase boundaries. Above a critical current density (in the Tafel regime), the spinodal disappears, and particles fill homogeneously, which may explain the superior rate capability and long cycle life of nano-LiFePO4 cathodes.Comment: 27 pages, 8 figure

Les Houches 2013: Physics at TeV Colliders: Standard Model Working Group Report

This Report summarizes the proceedings of the 2013 Les Houches workshop on Physics at TeV Colliders. Session 1 dealt primarily with (1) the techniques for calculating standard model multi-leg NLO and NNLO QCD and NLO EW cross sections and (2) the comparison of those cross sections with LHC data from Run 1, and projections for future measurements in Run 2.Comment: Proceedings of the Standard Model Working Group of the 2013 Les Houches Workshop, Physics at TeV Colliders, Les houches 3-21 June 2013. 200 page

Valence electronic structure of Mn in undoped and doped lanthanum manganites from relative K x-ray intensity studies

Relative $K$ x-ray intensities of $Mn$ in $Mn$, $MnO_{2}$, $LaMnO_{3}$ and $La_{0.7}B_{0.3}MnO_{3}$ ($B$ = $Ca$, $Sr$, and $Ce$) systems have been measured following excitation by 59.54 keV $\gamma$-rays from a 200 mCi $^{241}$Am point-source. The measured results for the compounds deviate significantly from the results of pure $Mn$. Comparison of the experimental data with the multiconfiguration Dirac-Fock (MCDF) effective atomic model calculations indicates reasonable agreement with the predictions of ionic model for the doped {manganites except} that the electron doped $La_{0.7}Ce_{0.3}MnO_{3}$ and hole doped $La_{0.7}Ca_{0.3}MnO_{3}$ compounds show some small deviations. The results of $MnO_{2}$ and $LaMnO_{3}$ deviate considerably from the predictions of the ionic model. Our measured $K\beta/K\alpha$ ratio of $Mn$ in $La_{0.7}Ca_{0.3}MnO_{3}$ cannot be explained as a linear superposition of $K\beta/K\alpha$ ratios of $Mn$ for the end members which is in contrast to the recent proposal by Tyson et al. from their $Mn$ $K\beta$ spectra.Comment: 14 pages, 4 figures. to appear in NIM-B.Please send an e-mail for figure

New Particles Working Group Report of the Snowmass 2013 Community Summer Study

This report summarizes the work of the Energy Frontier New Physics working group of the 2013 Community Summer Study (Snowmass)