The Urban Unbanked In Mexico And The United States

This paper examines the ways in which lower-income households obtain basic financial services in urban communities in Mexico and the United States. And it discusses the efforts that private sector and government organizations are making to lower the cost or improve the quality of those services. The paper summarizes available information on these issues and assesses the rationale and challenges facing the strategies that both countries are using to improve the financial services available to lower-income households, giving particular attention to unbanked households, meaning households that do not have deposit accounts with any regulated deposit-taking institution, and also to lower-income households in large urban areas. In comparing the experiences of the two countries, the paper reviews the extent to which lower-income households are unbanked, their use of non-bank financial services, and strategies for improving financial services to the unbanked. The underlying differences between the countries\u27 typical household incomes-national income per capita in Mexico in 2002 was US$8,540, compared with$35,060 in the United States (World Bank 2003)-may also influence the difference in percentage of unbanked-9.1 percent of families in the United States compared with 76.4 percent found in a recent study in Mexico City

Cloning and expression of a mammalian peptide chain release factor with sequence similarity to tryptophanyl-tRNA synthetases

The termination of protein synthesis is encoded by in-frame nonsense (stop) codons. Most organisms use three nonsense codons: UGA, UAG, and UAA. In contrast to sense codons, which are decoded by specific tRNAs, nonsense codons are decoded by proteins called release factors (RFs). Here we report the cloning of a mammalian RF cDNA by the use of monoclonal antibodies specific for rabbit RF. Functional studies showed that, when expressed in Escherichia coli, the protein encoded by this cDNA has in vitro biochemical characteristics similar to those of previously characterized mammalian RFs. DNA sequencing of this eukaryotic RF cDNA revealed a remarkable sequence similarity to bacterial and mitochondrial tryptophanyl-tRNA synthetases, with the greatest similarity confined to the synthetase active site, and no obvious similarity to bacterial RFs

Stratigraphic Relations Of Members Of The Needles Range Formation At Type Localities In Southwestern Utah

The Needles Range Formation is one of the most extensive of the middle Tertiary ash-flow sheets in the Great Basin of Nevada and western Utah. The original definition of the formation by Mackin (1960) named two members and mentioned three type localities. Our recent studies have shown that this published information now requires revision. To provide a firm basis for stratigraphic studies of the Needles Range Formation, this paper presents geologic maps, measured sections, and paleomagnetic data for three type localities in southwestern Utah. These include the northern Needles Range and Wah Wah Springs localities previously mentioned by Mackin, plus a new locality, northwest of Lund, Utah. The sequence of members at these localities, from oldest to youngest, is: Cottonwood Wash Tuff (new name), Wah Wah Springs Turf, Lund Tuff (new name), and Wallaces Peak Tuff (new name). We recommend abandonment of the name Minersville Tuff. © 1973 Geological Society of America

Laying the groundwork at the AGS: Recent results from experiment E895

The E895 Collaboration at the Brookhaven AGS has performed a systematic investigation of Au+Au collisions at 2-8 AGeV, using a large-acceptance Time Projection Chamber. In addition to extensive measurements of particle flow, spectra, two-particle interferometry, and strangeness production, we have performed novel hybrid analyses, including azimuthally-sensitive pion HBT, extraction of the six-dimensional pion phasespace density, and a first measurement of the Lambda-proton correlation function.Comment: Presented at Quark Matter 2001, 8 pages, 5 figure

Longitudinal Flow of Protons from 2-8 AGeV Central Au+Au Collisions

Rapidity distributions of protons from central $^{197}$Au + $^{197}$Au collisions measured by the E895 Collaboration in the energy range from 2 to 8 AGeV at the Brookhaven AGS are presented. Longitudinal flow parameters derived using a thermal model including collective longitudinal expansion are extracted from these distributions. The results show an approximately linear increase in the longitudinal flow velocity, $_{L}$, as a function of the logarithm of beam energy.Comment: 5 Pages, including 3 figures, 1 tabl

Charged Pion Production in 2 to 8 AGeV Central Au+Au Collisions

Momentum spectra of charged pions over nearly full rapidity coverage from target to beam rapidity have been measured in the 0-5% most central Au+Au collisions in the beam energy range from 2 to 8 AGeV by the E895 Experiment. Using a thermal parameterization to fit the transverse mass spectra, rapidity density distributions are extracted. The observed spectra are compared with predictions from the RQMD v2.3 cascade model and also to a thermal model including longitudinal flow. The total 4$\pi$ yields of the charged pions are used to infer an initial state entropy produced in the collisions.Comment: 13 pgs, 19 figs, accepted by Phys. Rev. C. Data tables available at http://nuclear.ucdavis.edu/~e895/published_spectra.htm

Near-threshold production of the multi-strange Ξ−\Xi^- hyperon

The yield for the multi-strange $\Xi^{-}$ hyperon has been measured in 6 AGeV Au+Au collisions via reconstruction of its decay products $\pi^{-}$ and $\Lambda$, the latter also being reconstructed from its daughter tracks of $\pi^{-}$ and p. The measurement is rather close to the threshold for $\Xi^{-}$ production and therefore provides an important test of model predictions. The measured yield for $\Xi^{-}$ and $\Lambda$ are compared for several centralities. In central collisions the $\Xi^{-}$ yield is found to be in excellent agreement with statistical and transport model predictions, suggesting that multi-strange hadron production approaches chemical equilibrium in high baryon density nuclear matter.Comment: Submitted to PR

Three-layer model with absorption for conservative estimation of the maximum acoustic transmission coefficient through the human skull for transcranial ultrasound stimulation.

Transcranial ultrasound stimulation (TUS) has been shown to be a safe and effective technique for non-invasive superficial and deep brain stimulation. Safe and efficient translation to humans requires estimating the acoustic attenuation of the human skull. Nevertheless, there are no international guidelines for estimating the impact of the skull bone. A tissue independent, arbitrary derating was developed by the U.S. Food and Drug Administration to take into account tissue absorption (0.3 dB/cm-MHz) for diagnostic ultrasound. However, for the case of transcranial ultrasound imaging, the FDA model does not take into account the insertion loss induced by the skull bone, nor the absorption by brain tissue. Therefore, the estimated absorption is overly conservative which could potentially limit TUS applications if the same guidelines were to be adopted. Here we propose a three-layer model including bone absorption to calculate the maximum pressure transmission through the human skull for frequencies ranging between 100 kHz and 1.5 MHz. The calculated pressure transmission decreases with the frequency and the thickness of the bone, with peaks for each thickness corresponding to a multiple of half the wavelength. The 95th percentile maximum transmission was calculated over the accessible surface of 20 human skulls for 12 typical diameters of the ultrasound beam on the skull surface, and varies between 40% and 78%. To facilitate the safe adjustment of the acoustic pressure for short ultrasound pulses, such as transcranial imaging or transcranial ultrasound stimulation, a table summarizes the maximum pressure transmission for each ultrasound beam diameter and each frequency