Did U.S. Bank Supervisors Get Tougher During the Credit Crunch? Did They Get Easier During the Banking Boom? Did It Matter to Bank Lending?

We test three hypotheses regarding changes in supervisory toughness' and their effects on bank lending. The data provide modest support for all three hypotheses that there was an increase in toughness during the credit crunch period (1989-1992), that there was a decline in toughness during the boom period (1993-1998), and that changes in toughness, if they occurred, affected bank lending. However, all of the measured effects are small, with 1% or less of loans receiving harsher or easier classification, about 3% of banks receiving better or worse CAMEL ratings, and bank lending being changed by 1% or less of assets.

The Transformation of the U.S. Banking Industry: What a Long, Strange Trips It's Been

macroeconomics, Transformation, U.S. Banking Industry

An Analysis of USSPACECOM\u27s Space Surveillance Network (SSN) Sensor Tasking Methodology

This study provides the basis for the development of a cost/benefit assessment model to determine the effects of alterations to the Space Surveillance Network (SSN) on orbital element (OE) set accuracy. It provides a review of current methods used by NORAD and the SSN to gather and process observations, an alternative to the current Gabbard classification method, and the development of a model to determine the effects of observation rate and correction interval on OE set accuracy. The proposed classification scheme is based on satellite J2 perturbations. Specifically, classes were established based on mean motion, eccentricity, and inclination Since J2 perturbation effects are functions of only these elements. Model development began by creating representative sensor observations using a highly accurate orbital propagation model. These observations were compared to predicted observations generated using the NORAD Simplified General Perturbation (SGP4) model and differentially corrected using a Bayes, sequential estimation, algorithm. A 10- run Monte Carlo analysis was performed using this model on 12 satellites using 16 different observation rate/correction interval combinations. An ANOVA and confidence interval analysis of the results show that this model does demonstrate the differences in steady state position error based on varying observation rate and correction interval

Race and the Metropolitan Origins of Postsecondary Access to Four Year Colleges: The Case of Greater Boston

The Metro Boston Equity Initiative is devoted to analyzing race relations and racial equity issues not simply in the city of Boston, but across the entire metropolitan region. Although greater Boston still has a large white majority and suburban sectors with very little diversity, immigration of Latinos and Asians is driving the region’s growth, and much of this population increase is taking place well outside of the city limits. Changing patterns of school enrollment provide a good sense of the region’s near-term future.Also available at http://civilrightsproject.ucla.ed

Scapular Acceleration during Upper Extremity Elevation in Healthy Individuals with and without Scapular Dyskinesis

Background/Purpose: Individuals with upper extremity pathology often present with altered scapular motion and muscle performance. There are few clinical tools that are capable of collecting specific and efficient data on alterations in scapular motion and even fewer studies have looked at variations in scapular acceleration. The primary purpose of this study was to determine the effectiveness of wireless accelerometers for detecting changes in acceleration in individuals with and without scapular dyskinesis. Methods: Twenty-seven subjects, mean age 24 (SD1.49). Healthy subjects were visually screened for scapular dyskinesis. Subjects were positioned in a standardized standing posture and anatomical references were marked on the scapula for the wireless accelerometer (MyoResearch 3D DTS). After the accelerometer was secured, subjects performed five repetitions of standing scaption from 0-140. Linear scapular accelerations along three orthogonal axes (x, y, and z) were collected during arm elevation and lowering. For the first 9 subjects, the entire process was repeated 1-2 days later. Data was synthesized in order to reflect changes in acceleration from the resting position. Intraclass correlation coefficients (ICC 3, k) were used to determine the between-day intra-rater reliability. An independent t-test was used to determine the difference in average axis acceleration between those with and without dyskinesis. A one-way multivariate analysis of variance (MANOVA) was used to determine differences in acceleration between those with and without dyskinesis for each accelerometer axis while adjustments were made for multiple comparisons. Results: There was good intra-rater reliability for the x and y axes (ICC\u3e.80). There was a significant increase in overall acceleration of the scapula in those with dyskinesis (P=.039). There was also a significant increase in acceleration across the x-axis for those with dyskinesis (P=.003). Conclusion: Wireless accelerometers are a reliable tool for quantifying scapular motion in healthy individuals with and without dyskinesis. In a healthy population with dyskinesis, the overall magnitude of scapular acceleration was greater when compared to a healthy group without dyskinesis. Clinical Relevance: Dyskinetic subjects present with increased scapular acceleration in elevation implicating potential muscle imbalances that need to be further investigated in future research.https://ecommons.udayton.edu/dpt_symposium/1002/thumbnail.jp

Consistent and Inconsistent Social Characteristics and the Determination of Power and Prestige Orders

The work reported here was significant in the generalization of the first theory of status characteristics and expectation states (Technical Report #12 and Berger et al., 1966). The first theory could only account for status generalization from a single characteristic; this paper reports experimental results for two status characteristics. Experimental data showed that the characteristics combined, which was incorporated in the theoretical extension to two characteristics published by Berger et al. (1974)

A programme for risk assessment and minimisation of progressive multifocal leukoencephalopathy developed for vedolizumab clinical trials

Introduction Over the past decade, the potential for drug-associated progressive multifocal leukoencephalopathy (PML) has become an increasingly important consideration in certain drug development programmes, particularly those of immunomodulatory biologics. Whether the risk of PML with an investigational agent is proven (e.g. extrapolated from relevant experience, such as a class effect) or merely theoretical, the serious consequences of acquiring PML require careful risk minimisation and assessment. No single standard for such risk minimisation exists. Vedolizumab is a recently developed monoclonal antibody to α4β7 integrin. Its clinical development necessitated a dedicated PML risk minimisation assessment as part of a global preapproval regulatory requirement. Objective The aim of this study was to describe the multiple risk minimisation elements that were incorporated in vedolizumab clinical trials in inflammatory bowel disease patients as part of the risk assessment and minimisation of PML programme for vedolizumab. Methods A case evaluation algorithm was developed for sequential screening and diagnostic evaluation of subjects who met criteria that indicated a clinical suspicion of PML. An Independent Adjudication Committee provided an independent, unbiased opinion regarding the likelihood of PML. Results Although no cases were detected, all suspected PML events were thoroughly reviewed and successfully adjudicated, making it unlikely that cases were missed. Conclusion We suggest that this programme could serve as a model for pragmatic screening for PML during the clinical development of new drugs

Brain Specificity of Diffuse Optical Imaging: Improvements from Superficial Signal Regression and Tomography

Functional near infrared spectroscopy (fNIRS) is a portable monitor of cerebral hemodynamics with wide clinical potential. However, in fNIRS, the vascular signal from the brain is often obscured by vascular signals present in the scalp and skull. In this paper, we evaluate two methods for improving in vivo data from adult human subjects through the use of high-density diffuse optical tomography (DOT). First, we test whether we can extend superficial regression methods (which utilize the multiple source–detector pair separations) from sparse optode arrays to application with DOT imaging arrays. In order to accomplish this goal, we modify the method to remove physiological artifacts from deeper sampling channels using an average of shallow measurements. Second, DOT provides three-dimensional image reconstructions and should explicitly separate different tissue layers. We test whether DOT's depth-sectioning can completely remove superficial physiological artifacts. Herein, we assess improvements in signal quality and reproducibility due to these methods using a well-characterized visual paradigm and our high-density DOT system. Both approaches remove noise from the data, resulting in cleaner imaging and more consistent hemodynamic responses. Additionally, the two methods act synergistically, with greater improvements when the approaches are used together

Physical activity counseling in overweight and obese primary care patients: Outcomes of the VA-STRIDE randomized controlled trial.

The purpose of this 2-arm randomized clinical trial was to evaluate the effectiveness of a 12-month, expert system-based, print-delivered physical activity intervention in a primary care Veteran population in Pittsburgh, Pennsylvania. Participants were not excluded for many health conditions that typically are exclusionary criteria in physical activity trials. The primary outcome measures were physical activity reported using the Community Healthy Activities Model Program for Seniors (CHAMPS) questionnaire and an accelerometer-based activity assessment at baseline, 6, and 12 months. Of the 232 Veterans enrolled in the study, 208 (89.7%) were retained at the 6-month follow-up and 203 (87.5%) were retained at 12 months. Compared to the attention control, intervention participants had significantly increased odds of meeting the U.S. recommended guideline of ≥ 150 min/week of at least moderate-intensity physical activity at 12 months for the modified CHAMPS (odds ratio [OR] = 2.86; 95% CI: 1.03-7.96; p = 0.04) but not at 6 months (OR = 1.54; 95% CI: 0.56-4.23; p = 0.40). Based on accelerometer data, intervention participants had significantly increased odds of meeting ≥ 150 min/week of moderate-equivalent physical activity at 6 months (OR = 6.26; 95% CI: 1.26-31.22; p = 0.03) and borderline significantly increased odds at 12 months (OR = 4.73; 95% CI: 0.98-22.76; p = 0.053). An expert system physical activity counseling intervention can increase or sustain the proportion of Veterans in primary care meeting current recommendations for moderate-intensity physical activity. Trial Registration Clinical trials.gov identifier: NCT00731094 URL: http://www.clinicaltrials.gov/ct2/show/NCT00731094