Deregulation and the location of financial institution offices

An examination of whether deregulation of the financial services industry has led to a disproportionate number of office closings in poor and minority neighborhoods.Branch banks ; Financial institutions ; Banking market

Variability of Millennial-Scale Trends in the Geomagnetic Axial Dipole

The historical trend in the axial dipole is sufficient to reverse the field in less than 2 kyr. Assessing the prospect of an imminent polarity reversal depends on the probability of sustaining the historical trend for long enough to produce a reversal. We use a stochastic model to predict the variability of trends for arbitrary time windows. Our predictions agree well with the trends computed from paleomagnetic models. Applying these predictions to the historical record shows that the current trend is likely due to natural variability. Furthermore, an extrapolation of the current trend for the next 1 to 2 kyr is highly unlikely. Instead, we compute the trend and time window needed to reverse the field with a specified probability. We find that the dipole could reverse in the next 20 kyr with a probability of 2%

Data base management: MSTRAC (keynote paper), part 8

Technical Aspects of MST radars were discussed. The name of the group is MST Radar Coordination (MSTRAC). The geophysical parameters to be included in the sample data tapes were determined. It was suggested that MSTRAC compile a catalog of existing data at each of the facilities. It is found that: (1) there is a community of interested users for MST data; (2) the initial responses from observatories indicates that interest in MSTRAC is not overwhelming, probably because of time involved; and (3) the program needs reassessment

A comparison of risk-based capital and risk-based deposit insurance

A comparison of alternative bank regulatory proposals for controlling the level of bank risk, using a model based on six FDIC variables for predicting bank failure or loss.Risk ; Capital

Large Area Crop Inventory Experiment (LACIE). Level 3 baseline; LACIE commodity data control plan for JSC

There are no author-identified significant results in this report