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%

CRA special lending programs

The Community Reinvestment Act (CRA) of 1977 encourages federally insured banking institutions to help meet the credit needs of their communities, including those of lower-income areas, in a manner consistent with their safe and sound operation. In responding to the CRA, many banking institutions have sought to expand lending to lower-income populations through special lending programs that seek out and assist such borrowers in a variety of ways. These programs, many of which include third parties such as government agencies and nonprofit groups, are often an important element of an institution's CRA-related lending. Many institutions have conducted such programs, some for many years. Although the characteristics of these programs and their implementation vary greatly across banking institutions, little systematic information about them has been available. To further the understanding of CRA special lending programs, this article uses data from a recent Federal Reserve Board survey to provide new information on the nature of these programs, their characteristics, and how these characteristics relate to the performance (delinquency and default rates) and profitability of the loans extended through them.Community Reinvestment Act of 1977 ; Mortgages

Changes in the distribution of banking offices

The past twenty years have been marked by major structural and regulatory changes in the banking industry. This article explores the relationships between these changes and the distribution of "brick and mortar" banking offices between 1975 and 1995. The analysis explores how population shifts, deregulation, and mergers, acquisitions, and failures may have influenced changes in the number and location of banking offices. Special attention is given to changes in banking office distributions across neighborhoods grouped by the median income of their residents and their central city, suburban, or rural location.Banks and banking ; Banking structure

Study of the mechanical behavior of a 2-D carbon-carbon composite

The out-of-plane fracture of a 2-D carbon-carbon composite was observed and characterized to gain an understanding of the factors influencing the stress distribution in such a laminate. Finite element analyses of a two-ply carbon-carbon composite under in-plane, out-of-plane, and thermal loading were performed. Under in-plane loading all components of stress were strong functions of geometry. Additionally, large thermal stresses were predicted. Out-of-plane tensile tests revealed that failure was interlaminar, and that cracks propagated along the fiber-matrix interface. An elasticity solution was utilized to analyze an orthotropic fiber in an isotropic matrix under uniform thermal load. The analysis reveals that the stress distributions in a transversely orthotropic fiber are radically different than those predicted assuming the fiber to be transversely isotropic

Impact of multiscale dynamical processes and mixing on the chemical composition of the upper troposphere and lower stratosphere during the Intercontinental Chemical Transport Experiment–North America

We use high-frequency in situ observations made from the DC8 to examine fine-scale tracer structure and correlations observed in the upper troposphere and lower stratosphere during INTEX-NA. Two flights of the NASA DC-8 are compared and contrasted. Chemical data from the DC-8 flight on 18 July show evidence for interleaving and mixing of polluted and stratospheric air masses in the vicinity of the subtropical jet in the upper troposphere, while on 2 August the DC-8 flew through a polluted upper troposphere and a lowermost stratosphere that showed evidence of an intrusion of polluted air. We compare data from both flights with RAQMS 3-D global meteorological and chemical model fields to establish dynamical context and to diagnose processes regulating the degree of mixing on each day. We also use trajectory mapping of the model fields to show that filamentary structure due to upstream strain deformation contributes to tracer variability observed in the upper troposphere. An Eulerian measure of strain versus rotation in the large-scale flow is found useful in predicting filamentary structure in the vicinity of the jet. Higher-frequency (6–24 km) tracer variability is attributed to buoyancy wave oscillations in the vicinity of the jet, whose turbulent dissipation leads to efficient mixing across tracer gradients

Analytic, Group-Theoretic Density Profiles for Confined, Correlated N-Body Systems

Confined quantum systems involving $N$ identical interacting particles are to be found in many areas of physics, including condensed matter, atomic and chemical physics. A beyond-mean-field perturbation method that is applicable, in principle, to weakly, intermediate, and strongly-interacting systems has been set forth by the authors in a previous series of papers. Dimensional perturbation theory was used, and in conjunction with group theory, an analytic beyond-mean-field correlated wave function at lowest order for a system under spherical confinement with a general two-body interaction was derived. In the present paper, we use this analytic wave function to derive the corresponding lowest-order, analytic density profile and apply it to the example of a Bose-Einstein condensate.Comment: 15 pages, 2 figures, accepted by Physics Review A. This document was submitted after responding to a reviewer's comment

Evaluating approaches for estimating peat depth

Estimates of peat depth are required to inform understanding of peatland development, functioning, and ecosystem services such as carbon storage. However, there is a considerable lack of peat depth data at local, national, and global scales. Recent studies have attempted to address this knowledge deficit by using manual probing and ground-penetrating radar (GPR) to estimate depth. Despite increasing application, little consideration has been given to the accuracy of either of these techniques. This study examines the accuracy of probing and GPR for measuring peat depth. Corresponding GPR and probing surveys were carried out at a catchment scale in a blanket peatland. GPR depth estimations, calibrated using common midpoint (CMP) surveys, were found to be on average 35% greater than probe measurements. The source of disagreement was found to be predominantly caused by depth probes becoming obstructed by artifacts within the peat body, although occasionally probing rods also penetrated sediments underlying the peat. Using the Complex Refractive Index Model, it was found that applying a single velocity of 0.036 m ns−1 across a single site may also result in −8 to +17% error in estimation of peat depth due to spatial variability in water content and porosity. It is suggested that GPR calibrated at each site using CMP surveys may provide a more accurate method for measuring peat depth

The adsorption and decomposition of N_2O on Ru(001)

N/

Impact damage resistance of composite fuselage structure, part 1

The impact damage resistance of laminated composite transport aircraft fuselage structures was studied experimentally. A statistically based designed experiment was used to examine numerous material, laminate, structural, and extrinsic (e.g., impactor type) variables. The relative importance and quantitative measure of the effect of each variable and variable interactions on responses including impactor dynamic response, visibility, and internal damage state were determined. The study utilized 32 three-stiffener panels, each with a unique combination of material type, material forms, and structural geometry. Two manufacturing techniques, tow placement and tape lamination, were used to build panels representative of potential fuselage crown, keel, and lower side-panel designs. Various combinations of impactor variables representing various foreign-object-impact threats to the aircraft were examined. Impacts performed at different structural locations within each panel (e.g., skin midbay, stiffener attaching flange, etc.) were considered separate parallel experiments. The relationship between input variables, measured damage states, and structural response to this damage are presented including recommendations for materials and impact test methods for fuselage structure