"What's the Use of Having a Reputation If You Can't Ruin It Every Now and Then?" Regulatory Enforcement Actions on Banks and the Structure of Loan Syndicates

A decrease in the reputation of a loan syndicate's lead arranger, caused by a regulatory enforcement action for non-compliance with laws and regulations, disincentivizes potential syndicate participants from co-financing the loan. We formally argue that in such cases, the lead arranger must increase his share of the loan in order to make the loan sufficiently attractive to potential participants. We provide strong empirical evidence to support our theoretical argument, using the full sample of enforcement actions enacted on U.S. banks from 2000 through 2010 as well as syndicated loan-level data

Analisis Produksi Dan Pendapatan Petani Karet Di Kabupaten Bungo

The purpose of this study was to identify the characteristics of rubber farmers, to determine and analyze revenue and profit rubber production in the sample, to determine and analyze the level of income inequality rubber farmers of the people in the sample, and to identify and analyze the factors that affect smallholder rubber production in the sample. Based on these results suggested to the government should work closely with farmers in encouraging the opening of degraded land through various cooperation for optimal land use, because the land proved to have a significant influence on people's rubber production in Bungo

Faktor-Faktor Yang Mempengaruhi Penghimpunan Dana Pihak Ketiga Perbankan Syariah Di Indonesia

. This study aims to determine the development of third-party funds of Islamic Banking in Indonesia. This study uses time series data Q1 2008 to Q4 2012. The analysis tool used is multiple regression. Based on the survey results revealed that conventional banking interest rate (r), the equivalent rate (ER), Economic Growth (PE) and Growth Outlet (PO) are jointly very significant effect on Islamic Banking Deposits While partially known that conventional banking interest rate (r) significantly affects deposits, equivalent rate (ER) was not statistically significant effect, Economic Growth (PE) no statistically significant effect and Growth Outlet (PO) statistically significant effect on Deposits Islamic Banking

Dispersive wave runup on non-uniform shores

Historically the finite volume methods have been developed for the numerical integration of conservation laws. In this study we present some recent results on the application of such schemes to dispersive PDEs. Namely, we solve numerically a representative of Boussinesq type equations in view of important applications to the coastal hydrodynamics. Numerical results of the runup of a moderate wave onto a non-uniform beach are presented along with great lines of the employed numerical method (see D. Dutykh et al. (2011) for more details).Comment: 8 pages, 6 figures, 18 references. This preprint is submitted to FVCA6 conference proceedings. Other author papers can be downloaded at http://www.lama.univ-savoie.fr/~dutykh

Space-by-time manifold representation of dynamic facial expressions for emotion categorization

Visual categorization is the brain computation that reduces high-dimensional information in the visual environment into a smaller set of meaningful categories. An important problem in visual neuroscience is to identify the visual information that the brain must represent and then use to categorize visual inputs. Here we introduce a new mathematical formalism—termed space-by-time manifold decomposition—that describes this information as a low-dimensional manifold separable in space and time. We use this decomposition to characterize the representations used by observers to categorize the six classic facial expressions of emotion (happy, surprise, fear, disgust, anger, and sad). By means of a Generative Face Grammar, we presented random dynamic facial movements on each experimental trial and used subjective human perception to identify the facial movements that correlate with each emotion category. When the random movements projected onto the categorization manifold region corresponding to one of the emotion categories, observers categorized the stimulus accordingly; otherwise they selected “other.” Using this information, we determined both the Action Unit and temporal components whose linear combinations lead to reliable categorization of each emotion. In a validation experiment, we confirmed the psychological validity of the resulting space-by-time manifold representation. Finally, we demonstrated the importance of temporal sequencing for accurate emotion categorization and identified the temporal dynamics of Action Unit components that cause typical confusions between specific emotions (e.g., fear and surprise) as well as those resolving these confusions

Wound myiasis caused by Lucilia sericata in an open femoral fracture treated with external fixation

Η μυΐαση είναι η τέταρτη πιο κοινή δερματική ασθένεια στον άνθρωπο που σχετίζεται με ταξίδια ενώ η δερματική μυΐαση είναι η συνηθέστερη κλινική μορφή. Αναφέρεται σε μη-ιατρογενή μόλυνση των ιστών από προνύμφες διπτέρων εντόμων και εμφανίζεται κυρίως σε ασθενείς που έχουν κακή υγιεινή, με συνθήκες κακής στέγασης, διανοητική καθυστέρηση, προχωρημένη ηλικία, διαβήτη, ακινητοποίηση και χαμηλό ανοσοποιητικό σύστημα. Ασθενής 14 ετών, ο οποίος είχε υποβληθεί πριν 6 μήνες σε εξωτερική οστεοσύνθεση μηριαίου λόγω κατάγματος διάφυσης μηριαίου, προσήλθε στα επείγοντα ιατρεία με άλγος στην περιοχή των βελονών. Κατά την εξέταση του τραύματος διαπιστώθηκε ερυθρότητα, οίδημα αλλά και η παρουσία ζωντανών προνυμφών διπτέρων εντόμων. Αφού ελέγχθηκε ακτινολογικά το κάταγμα της διάφυσης αφαιρέθηκε σε πρώτο χρόνο το σώμα της εξωτερικής οστεοσύνθεσης και έγινε σχολαστικότατος καθαρισμός. Με κατάλληλα χειρουργικά εργαλεία, απομονώθηκαν όλες οι προνύμφες από το τραύμα και τοποθετήθηκαν σε κατάλληλο υπόστρωμα για περαιτέρω εξέταση και προσδιορισμό του είδους. Έπειτα από μικροσκοπική εξέταση των προνυμφών και με βάση κατάλληλες μορφολογικές κλείδες προσδιορίστηκαν ως προνύμφες 3ης ηλικίας του είδους Lucilia sericata (Meigen) (Diptera: Calliphoridae). Έπειτα από 7 ημέρες αντιβιοτικής αγωγής ευρέως φάσματος, κλινοστατισμού, σχολαστικής περιποίησης των τραυμάτων και αφού είχαμε σαφή βελτίωση της περιοχής γύρω από τις βελόνες έγινε αφαίρεση αυτών. Κατά τις επανεξετάσεις έως και 6 μήνες μετά, τόσο κλινικά όσο και ακτινολογικά τα αποτελέσματα ήταν πολύ καλά.On examination of the wound of a patient who was treated previously with external fixation for a diaphysial fracture of the femur, we observed the presence of multiple living larvae (maggots) of dipterous flies. Treatment included removal of the maggots and use of antibiotic. The importance of hygiene and sanitation is discussed