The 2007 HMDA data

Mortgage loans ; Bank loans

The 2006 HMDA data

Analyzes the 2006 data collected under the Home Mortgage Disclosure Act (HMDA). The review focuses primarily on the pricing information in the data. Includes an assessment of factors that account for the variation in rates of serious delinquency on mortgage loans across U.S. metropolitan area counties observed as of March 31, 2007, with information drawn from the HMDA data on the incidence of higher-priced lending and from credit scores by geographic area.Mortgage loans ; Bank loans

The 2009 HMDA data: the mortgage market in a time of low interest rates and economic distress

Mortgages ; Home Mortgage Disclosure Act

The 2008 HMDA data: the mortgage market during a turbulent year

The data that mortgage lending institutions reported for 2008 under the Home Mortgage Disclosure Act of 1975 (HMDA) reflect the ongoing difficulties in the housing and mortgage markets. This article presents a number of key findings from a review of the 2008 HMDA data. In particular, it documents a reduction in lending activity that was experienced by all groups of borrowers, highlights the Federal Housing Administration's greatly expanded role in the mortgage market, and examines how atypical changes in the interest rate environment affected the incidence of reported higher-priced lending in 2008 relative to earlier years.Mortgages ; Home Mortgage Disclosure Act

Nonfactorization and the decays Ds+→ϕπ+,ϕρ+D_s^+ \to \phi \pi^+, \phi \rho^+ and ϕl+νl\phi l^+ \nu_l

In six chosen scenarios for the $q^2$ dependence of the form factors involved in $D_s^+ \rightarrow \phi$ transition, we have determined the allowed domain of $x = A_2(0) / A_1(0)$ and $y = V(0)/A_1(0)$ from the experimentally measured ratios $R_{sl} = \Gamma(D_s^+ \rightarrow \phi l^+ \nu_l)/\Gamma(D_s^+ \rightarrow \phi \pi^+)$ and $R_h = \Gamma(D_s^+ \rightarrow \phi \rho^+)/\Gamma(D_s^+ \rightarrow \phi \pi^+)$ in a scheme that uses the $N_c =3$ value of the phenomenological parameter $a_1$ and includes nonfactorized contribution. We find that the experimentally measured values of $x$ and $y$ from semileptonic decays of $D_s^+$ favor solutions which have significant nonfactorized contribution, and, in particular, $R_{sl}$ favors solutions in scenarios where $A_1(q^2)$ is either flat or decreasing with $q^2$.Comment: 15 pages, Latex, four figure (available on request)

Utilizing Lustre filesystem with dCache for CMS analysis

This paper presents our new experimentations to utilize Lustre filesystem for CMS analysis with direct POSIX file access while keeping dCache as the frontend for data distribution and management. We describe our implementations that integrate dCache with Lustre filesystem and how to enable user data access without going through the dCache file read protocol. Our initial CMS analysis job measurement and transfer performance results are shown and the advantages of difference implementations are briefly discussed

Where are all the gravastars? Limits upon the gravastar model from accreting black holes

The gravastar model, which postulates a strongly correlated thin shell of anisotropic matter surrounding a region of anti-de Sitter space, has been proposed as an alternative to black holes. We discuss constraints that present-day observations of well-known black hole candidates place on this model. We focus upon two black hole candidates known to have extraordinarily low luminosities: the supermassive black hole in the Galactic Center, Sagittarius A*, and the stellar-mass black hole, XTE J1118+480. We find that the length scale for modifications of the type discussed in Chapline et al. (2003) must be sub-Planckian.Comment: 11 pages, 4 figure

What can a relativistic quark model tell us about charmed mesons?

A relativistic quark model is extended to incorporate chiral and gauge symmetries. We obtain the DD*pi and DD*gamma couplings and find that the ratio Gamma(D*0->D0pi0)/Gamma(D*0->D0gamma) constrains the charm-quark mass close to 1.45 GeV. Large 1/mc corrections appear in the heavy-quark contribution to the DD*gamma coupling. The model is extended further to describe seven excited D meson states. We find that semileptonic B decays into the ground and excited D meson states do not account for the total semileptonic decay width of the B0. The nonresonant contributions to the processes B0->D(*)pi+ell+nu appear to be large enough to account for the discrepancy.Comment: 19 pages, LaTeX, figures in accompanying uuencoded PostScript file, UTPT-94-2

A study of subsonic transport aircraft configurations using hydrogen (H2) and methane (CH4) as fuel

The acceptability of alternate fuels for future commercial transport aircraft are discussed. Using both liquid hydrogen and methane, several aircraft configurations are developed and energy consumption, aircraft weights, range and payload are determined and compared to a conventional Boeing 747-100 aircraft. The results show that liquid hydrogen can be used to reduce aircraft energy consumption and that methane offers no advantage over JP or hydrogen fuel