The 3 micron spectrum of NGC 4565

Researchers spectrum of NGC 4565 is essentially featureless. The absence of the 3.0 micron feature (Tau 3.0 less than 0.05) implies that the extinction to the nucleus does not arise to a significant degree in molecular clouds. Researchers deduce Tau 3.0/A sub V less than 0.01, compared with approx. 0.022 for GC-IRS7. These results support the conclusion (McFadzean et al. 1989) that the 3.0 micron absorption in the GC-IR sources is due to the presence of ice in a (probably single) foreground molecular cloud. The 3.4 micron feature is also weak or absent in the researchers spectrum of NGC 4565 (Tau 3.4 less than or equal to 0.07), hence, Tau 3.4/A sub V less than or equal to 0.016, compared with approx. 0.008 towards GC-IRS7. The absence of the feature in NGC 4565 at the signal-to-noise level of the current observations is consistent with a probable moderate degree of extinction towards the nucleus. The observations of NGC 4565 provide a useful comparison for studies of dust in the Galaxy. Limits have been set on the strengths of the 3.0 and 3.4 micron features in NGC 4565. The absence of 3.0 micron absorption is significant, and supports the view that the feature at this wavelength in the Galactic Centre is due to water-ice absorption in a foreground molecular cloud. The non-detection of the 3.4 micron absorption is less surprising and provides indirect support for the association between this feature and the diffuse interstellar medium. The current spectrum probably represents the best that can be achieved with a single-detector instrument within reasonable integration times. It will clearly be of interest in the future to obtain spectra of higher signal-to-noise, as a positive detection of the 3.4 micron feature in an external galaxy, even at a low level, would be of considerable astrophysical significance

Uncovering Spiral Structure in Flocculent Galaxies

We present K'(2.1 micron) observations of four nearby flocculent spirals, which clearly show low-level spiral structure and suggest that kiloparsec-scale spiral structure is more prevalent in flocculent spirals than previously supposed. In particular, the prototypical flocculent spiral NGC 5055 is shown to have regular, two-arm spiral structure to a radius of 4 kpc in the near infrared, with an arm-interarm contrast of 1.3. The spiral structure in all four galaxies is weaker than that in grand design galaxies. Taken in unbarred galaxies with no large, nearby companions, these data are consistent with the modal theory of spiral density waves, which maintains that density waves are intrinsic to the disk. As an alternative, mechanisms for driving spiral structure with non-axisymmetric perturbers are also discussed. These observations highlight the importance of near infrared imaging for exploring the range of physical environments in which large-scale dynamical processes, such as density waves, are important.Comment: 12 pages AASTeX; 3 compressed PS figures can be retrieved from ftp://ftp.astro.umd.edu/pub/michele as file thornley.tar (1.6Mbytes). Accepted to Ap.J. Letters.(Figures now also available here, and from ftp://ftp.astro.umd.edu/pub/michele , in GIF format.

The Law and Economics of Subprime Lending

The collapse of the subprime mortgage market has led to calls for greater regulation to protect homeowners from unwittingly trapping themselves in high-cost loans that lead to foreclosure, bankruptcy, or other financial problems. Weighed against the losses of the widespread foreclosure crisis are the benefits of financial modernization that have accrued to many American families who have been able to become homeowners who otherwise would not have access to mortgage credit. The bust of the subprime mortgage market has resulted in high levels of foreclosures and unparalleled problems on Wall Street. However, the boom generated unprecedented levels of homeownership, especially among young, low-income, and minority borrowers, putting them on a road to economic comfort and stability. Sensible regulation of subprime lending should seek to curb abusive practices while preserving these benefits. This Article reviews the theories and evidence regarding the causes of the turmoil in the subprime market. It then turns to the question of the rising number of foreclosures in the subprime market in order to understand the causes of rising foreclosures. In particular, it examines the competing models of home foreclosures that have been developed in the economics literature-the distress model and the option model. Establishing a correct model of the causes of foreclosure in the subprime market is necessary for sensible and effective policy responses to the problem. The focus in this Article is on the consumer protection side of the equation. As this Article goes to press, the federal government has authorized a massive bailout of the banking industry, raising issues which largely lie outside the scope of this Article. New regulations and other interventions into the consumer side of the market have been modest

Wall-liquid and wall-crystal interfacial free energies via thermodynamic integration: A molecular dynamics simulation study

A method is proposed to compute the interfacial free energy of a Lennard-Jones system in contact with a structured wall by molecular dynamics simulation. Both the bulk liquid and bulk face-centered-cubic crystal phase along the (111) orientation are considered. Our approach is based on a thermodynamic integration scheme where first the bulk Lennard-Jones system is reversibly transformed to a state where it interacts with a structureless flat wall. In a second step, the flat structureless wall is reversibly transformed into an atomistic wall with crystalline structure. The dependence of the interfacial free energy on various parameters such as the wall potential, the density and orientation of the wall is investigated. The conditions are indicated under which a Lennard-Jones crystal partially wets a flat wall.Comment: 15 pages, 11 figure

Kinetics of Surfactant Adsorption at Fluid/Fluid Interfaces: Non-ionic Surfactants

We present a model treating the kinetics of adsorption of soluble surface-active molecules at the interface between an aqueous solution and another fluid phase. The model accounts for both the diffusive transport inside the solution and the kinetics taking place at the interface using a free-energy formulation. In addition, it offers a general method of calculating dynamic surface tensions. Non-ionic surfactants are shown, in general, to undergo a diffusion-limited adsorption, in accord with experimental findings.Comment: 6 pages, 3 figures, see also cond-mat/960814

Thermodynamically consistent description of the hydrodynamics of free surfaces covered by insoluble surfactants of high concentration

In this paper we propose several models that describe the dynamics of liquid films which are covered by a high concentration layer of insoluble surfactant. First, we briefly review the 'classical' hydrodynamic form of the coupled evolution equations for the film height and surfactant concentration that are well established for small concentrations. Then we re-formulate the basic model as a gradient dynamics based on an underlying free energy functional that accounts for wettability and capillarity. Based on this re-formulation in the framework of nonequilibrium thermodynamics, we propose extensions of the basic hydrodynamic model that account for (i) nonlinear equations of state, (ii) surfactant-dependent wettability, (iii) surfactant phase transitions, and (iv) substrate-mediated condensation. In passing, we discuss important differences to most of the models found in the literature.Comment: 31 pages, 2 figure

Search for the disappearance of muon antineutrinos in the NuMI neutrino beam

We report constraints on muon antineutrino oscillation parameters that were obtained by using the two MINOS detectors to measure the 7% antineutrino component of the NuMI neutrino beam. In the Far Detector, we select 130 events in the charged-current muon antineutrino sample, compared to a prediction of 136.4 +/- 11.7(stat) ^{+10.2}_{-8.9}(syst) events under the assumption |dm2bar|=2.32x10^-3 eV^2, snthetabar=1.0. A fit to the two-flavor oscillation approximation constrains |dm2bar|<3.37x10^-3 eV^2 at the 90% confidence level with snthetabar=1.0

Spreading of Latex Particles on a Substrate

We have investigated both experimentally and theoretically the spreading behavior of latex particles deposited on solid substrates. These particles, which are composed of cross-linked polymer chains, have an intrinsic elastic modulus. We show that the elasticity must be considered to account for the observed contact angle between the particle and the solid substrate, as measured through atomic force microscopy techniques. In particular, the work of adhesion computed within our model can be significantly larger than that from the classical Dupr\'{e} formula.Comment: 7 pages, 7 figures, to appear in Europhys. Let