Remote (Dis)engagement: Shifting Corporate Risk to the 'Bottom of the Pyramid'

Untapped markets are often deemed institutional voids, terra incognita ripe with economic possibility. The conversion of institutional voids into viable markets has become the ambition of many corporations today, which view marginal and under-served areas such as urban slums as opportunities to achieve the dual aims of market growth and poverty reduction, particularly through ‘bottom of the pyramid’ (BoP) programmes. This article examines how firms manage institutional voids and the consequences of these approaches for workers through a case study of a BoP ‘route to market’ programme designed by a global food manufacturer in Kibera, Africa's largest slum, located in Nairobi. Instead of engaging with Kibera by upgrading informal markets or generating formal employment, the corporation focused on harnessing existing informal systems through composite arrangements of NGOs, social networks and informal enterprises, a strategy the authors term ‘remote (dis)engagement’. The article describes the logics and outcome of this strategy of formal engagement with informal markets, concluding that the BoP business model depends on ‘gig practices’ of flexibility, irregular work and insecurity to realize the much-heralded ‘fortune at the bottom of the pyramid’

Senate called to order at 11:02 a.m. President Hunt presiding.

might be forgiven for the evil that clings to us and to be raised from the dead, that we might be justified before You for the life to come and might dwell in Your eternal peace. You have ordained the governing authorities to subdue evil for this life and to promote what is good, that there might be justice in our world and peace for this life. We pray for Your blessing upon this Session of the Nevada State Senate. Grant to its members such character, honor and sense of purpose, that what they do might be a means to justice, security and peace for our State and its citizens. We ask for all these things according to Your will, praying in the Name of the same Jesus Christ, our Lord, who lives and reigns with You and the Holy Spirit, one God, now and forever. AMEN. Pledge of allegiance to the Flag. Senator Raggio moved that further reading of the Journal be dispensed with, and the President and Secretary be authorized to make the necessary corrections and additions. Motion carried

Distance dependence of the phase signal in eddy current microscopy

Atomic force microscopy using a magnetic tip is a promising tool for investigating conductivity on the nano-scale. By the oscillating magnetic tip eddy currents are induced in the conducting parts of the sample which can be detected in the phase signal of the cantilever. However, the origin of the phase signal is still controversial because theoretical calculations using a monopole appoximation for taking the electromagnetic forces acting on the tip into account yield an effect which is too small by more than two orders of magnitude. In order to determine the origin of the signal we used especially prepared gold nano patterns embedded in a non-conducting polycarbonate matrix and measured the distance dependence of the phase signal. Our data clearly shows that the interacting forces are long ranged and therefore, are likely due to the electromagnetic interaction between the magnetic tip and the conducting parts of the surface. Due to the long range character of the interaction a change in conductivity of $\Delta\sigma=4,5\cdot10^{7} (\Omega$m$)^{-1}$ can be detected far away from the surface without any interference from the topography

The different molecular structure and glycerol-to-fatty acid ratio of palm oils affect their nutritive value in broiler chicken diets

The aim of this study is to assess how the fat molecular structure and its glycerol-to-fatty acid ratio (G : FA) affect the fatty acid (FA) apparent absorption of palm oils in broiler chickens. The experimental diets were the result of a basal diet supplemented with 6% of different palm oils. Native palm oil (N), rich in triacylglycerols, was the positive control (T1), and acid palm oil (A), rich in free FA, was the negative control (T2). In order to improve the nutritive value of A, two different nutritional strategies were performed. The first strategy was achieved by adding increasing amounts of free glycerol (G) (4% (T3), 8% (T4) and 16% (T5)) to A, and the second one by adding increasing amounts of mono- (MAG) and diacylglycerols (DAG), coming from re-esterified palm oil (E) (40% (T6), 70% (T7), and 100% (T8)) to A. As a result, eight dietary treatments were formulated with a G : FA ratio ranging from 0.04 to 0.67. These treatments were randomly assigned to 192 one-day-old female broiler chickens (Ross 308), distributed in 48 cages. The results showed how, by keeping the G : FA ratio constant (0.33 mol/mol), the diet with a high MAG and DAG content (T7) achieved higher saturated FA apparent absorption values than did the diet with a high triacylglycerol content (T1) and this, in turn, more than did the diet with a high free FA content (T4). The behavior of oils with high or low G : FA ratio was dependent on whether G was in a free state or esterified as part of acylglycerol molecules. Thus, increasing amounts of G to A did not enhance the total FA apparent absorption, but rather quite the opposite, even impairing the absorption of mono- and polyunsaturated FA. However, increasing amounts of E (rich in MAG and DAG) to A (rich in FFA) did enhance total FA apparent absorption, primarily due to the increased absorption of saturated FA. In conclusion, the greater the G : FA ratio of a palm oil, the greater the absorption of total FA, as long as G is esterified as part of acylglycerol molecules. Thus, the re-esterification process for obtaining E makes sense in order to give added value to A, achieving even greater digestibility values than does its corresponding N

Surveying the Inner Halo of the Galaxy with 2MASS-Selected Horizontal Branch Candidates

We use 2MASS photometry to select blue horizontal branch (BHB) candidates covering the sky |b|>15 deg. A 12.5<J<15.5 sample of BHB stars traces the thick disk and inner halo to d<9 kpc, with a density comparable to that of M giant stars. We base our sample selection strategy on the Century Survey Galactic Halo Project, a survey that provides a complete, spectroscopically-identified sample of blue stars to a similar depth as the 2MASS catalog. We show that a -0.20<(J-H)_0<0.10, -0.10<(H-K)_0<0.10 color-selected sample of stars is 65% complete for BHB stars, and is composed of 47% BHB stars. We apply this photometric selection to the full 2MASS catalog, and see no spatial overdensities of BHB candidates at high Galactic latitude |b|>50 deg. We insert simulated star streams into the data and conclude that the high Galactic latitude BHB candidates are consistent with having no ~5 deg wide star stream with density greater than 0.33 objects deg^-2 at the 95% confidence level. The absence of structure suggests there have been no major accretion events in the inner halo in the last few Gyr. However, at low Galactic latitudes a two-point angular correlation analysis reveals structure on angular scales <1 deg. This structure is apparently associated with stars in the thick disk, and has a physical scale of 10-100 pc. Interestingly, such structures are expected by cosmological simulations that predict the majority of the thick disk may arise from accretion and disruption of satellite mergers.Comment: 11 pages, including figures. Accepted by AJ with minor revision

Assessing Retirement Needs and Interest in myRa: Findings From the Refund to Savings Initiative

As part of the U.S. Department of the Treasury’s ongoing effort to promote the myRA starter retirement account, we used the Refund to Savings Initiative’s Household Financial Survey to assess low- to moderate-income tax filers’ retirement needs, attitudes towards retirement, and interest in a myRA-type account. We also tested different messaging approaches for promoting myRA. The report found that 32% of survey respondents did not own a retirement account and that lack of money and lack of access to an employer-based account were major impediments to retirement account ownership. The report also found that only 10% to 15% of respondents felt on track to retire comfortably. Several aspects of myRA appealed to respondents including the absence of a minimum balance and the absence of penalties for early withdrawal. Additionally, a simple, direct, informational approach to promotional messaging proved more effective than personal messaging at driving interest in myRA

Coping With a Crisis: Financial Resources Available to Low- and Moderate-Income Households in Emergencies

Using data from tax records and a longitudinal survey, this brief investigates the choices low- and moderate-income households make about their tax withholding and their preferences for withholding. The relationship between withholding preferences and the use of the tax refund, measures of material hardship, and the use of alternative financial services is also explored. We find that almost half of all survey respondents preferred to overwithhold their income each year in order to get a larger tax refund. Yet despite preferring to take home less income during the year, these households experienced higher levels of material hardship than those who preferred to break even in their withholding, and were more likely to use alternative financial services like payday lenders. Further, households that preferred to overwithhold were less likely to save their refund. We also find that respondents who preferred to break even on their withholding or underwithhold on their taxes still overwithheld a substantial amount of income, indicating that LMI households have difficulty withholding their preferred amounts. Implications of these findings for policy are discussed

The Role of Health Insurance in the Financial Lives of Low- and Moderate-Income Households

Health insurance is an important resource for enabling access to and use of medical care, and is associated with reduced risk for mortality and poor health outcomes. Health insurance also protects households from incurring major medical expenses and unmanageable levels of medical debt. About a quarter of a sample of low- and moderate-income (LMI) tax filers have no health insurance, compared to 10% of all individuals in the United States. As of 2014, the proportion of filers without insurance was 11 percentage points higher in states that had not expanded Medicaid through the Affordable Care Act (ACA) than it was in expansion states. Lack of insurance is associated with lower income and assets, and higher unsecured debt, as well as greater likelihood of experiencing financial difficulties and material hardship. Despite progress in expanding health insurance coverage under the ACA, additional efforts are needed, including effort to further expand Medicaid and high-risk insurance pools, strengthen charity care policies and practices, and forgive medical debt

Beagle 2: Mission to Mars — current status

Beagle 2, developed in the UK, was launched on June 2, 2003. It landed on Mars on December 25th, 2003 in Isidis Planitia, a large sedimentary basin. To date, the team is awaiting signals from the Beagle 2 lander. Current status of the mission will be reported