Financial Services Shopping Preferences: A Comparison Of African American And White Households

The purpose of this study is to generate information for financial services marketers who are seeking to reach and provide more effective service to the growing African American segment. This information is needed because research has shown that the shopping behavior of African American consumers differs from that of their white counterparts in terms of information gathering and patronage patterns.  Therefore, different marketing communications techniques may be needed to reach these people. Nevertheless, there has been a paucity of contemporary empirical studies of how shopping behaviors manifest themselves with regard to the purchase of financial services. This paper uses the Federal Reserve System's most recent Survey of Consumer Finances to analyze differences between black and white household financial services shoppers.  Findings indicate that there are similarities and differences in the ways that blacks and whites seek to access the offerings of this industry.  Suggestions are offered to financial services marketers based on these findings

The African-American Financial Services Market: Profiling The Substantiality And Viability Of An Underserved Segment

The purpose of this study is to help marketers recognize, understand and respond to the underserved African-American financial services market in the U.S.  To do so, the study examines demographic trends and financial consumption patterns of African-American consumers, drawing on the most recent Survey of Consumer Finances to explore the principal differences between black and white households’ asset holdings and financial product and service preferences.  Findings indicate that the African-American market has grown rapidly in size and viability over the past decade, and that African-American consumers differ markedly from their white counterparts in terms of financial product preferences and investment portfolio composition.  The difference between the two segments is especially evident in the case of relatively more risky, but higher return, financial products.  Based on these findings it is apparent that marketers should endeavor to reach this increasingly attractive but underserved segment of the U.S. financial services marketplace

The Taxonomy and Phylogeography of two Arabian gazelles

The phylogeny of the Arabian gazelles is generally not well understood (e.g., Groves 1996). Morphological traits were commonly used as a basis for classification leading to frequent misclassifications. Sister group relationships within the genus are only poorly resolved and there are still lively debates about the status of certain taxa (e.g., Wronski et al., unpublished). The aim of this project is to characterize several Arabian, African and Asian gazelle species using molecular tools while including several taxonomically unclear “species”

Phylogenetic and phylogeographic analyses of African and Arabian Dorcas gazelles (Gazella dorcas)

Once common throughout the entire Sahelo-Saharan region, population sizes of Dorcas gazelles (Gazella dorcas) are nowadays decreasing dramatically. The uncertain taxonomy of this species—with a variety of described subspecies without validated status—hampers conservation efforts. In this situation, phylogenetic and phylogeographic investigations using molecular techniques are highly warranted conservation tools. Here, we investigate sequence variation of the mitochondrial cytochrome b gene and control region of 73 dorcas (G. dorcas) and Saudi gazelles (G. saudiya) throughout the entire distribution range

Molecular Analyses of Human Induced Pluripotent Stem Cells and Embryonic Stem Cells

SummaryRecent work from our group and others has argued that human induced pluripotent stem cells (hiPSCs) generated by the introduction of four viruses bearing reprogramming factors differ from human embryonic stem cells (hESCs) at the level of gene expression (Chin et al., 2009). Many of the differences seen were common across independent labs and, at least to some extent, are thought to be a result of residual expression of donor cell-specific genes (Chin et al., 2009; Ghosh et al., 2010; Marchetto et al., 2009). Two new reports reanalyze similar expression data sets as those used in Chin et al. (2009) and come to different conclusions (Newman and Cooper, 2010; Guenther et al., 2010). We compare various approaches to perform gene expression meta-analysis that all support our original conclusions and present new data to demonstrate that polycistronic delivery of the reprogramming factors and extended culture brings hiPSCs transcriptionally closer to hESCs

Neumann’s enigmatic gazelle (Gazella erlangeri) Threatened taxon or domesticated gazelle?

One of the most challenging questions in regard to Arabian gazelles is the status of G. erlangeri Neumann, 1906 (Fig. 1). Gazelles currently kept in captivity at King Khalid Wildlife Research Centre in Saudi Arabia and Al Wabra Wildlife Preservation in Qatar (Fig. 2) show the described combination of diagnostic features, and thus, were considered to represent G. erlangeri, even though the exact provenance of these gazelles remains obscure. However, captive ‘G. erlangeri’ may have also originated from eastern Oman and could be therefore assigned to G. muscatensis (Fig. 3). Both taxa are considered ‘extinct in the wild’ by the IUCN Red List. Past conservation efforts have been plagued by confusion about the phylogenetic relationship among various—phenotypically discernable—populations (e.g., G. erlangeri, G. muscatensis), and even the question of species boundaries was far from being certain. This lack of knowledge had a direct impact on conservation measures, especially ex situ breeding programmes, hampering the assignment of captive stocks to potential conservation units

Dark grey gazelles Gazella (Cetartiodactyla: Bovidae) in Arabia: Threatened species or domestic pet?

True gazelles (genus Gazella) are a prime example of a mammalian group with considerable taxonomic confusion. This includes the descriptions of several dark grey taxa of questionable validity. Here, we examined captive dark grey putative Neumann’s gazelle Gazella erlangeri. Our concerted efforts to retrieve mitochondrial sequence information from old museum specimens of two dark grey gazelles, putative G. erlangeri and putative Muscat gazelle G. muscatensis, were unsuccessful. We did, however, find the mtDNA haplotypes of extant putative G. erlangeri to be nested within the haplotype variation of the Arabian gazelle G. arabica. The observed population genetic divergence between G. arabica and putative G. erlangeri (based on 11 nuclear microsatellites) was driven by genetic impoverishment of putative G. erlangeri. These results, along with morphological signatures of domestication (e.g., reduced brain case size), suggest genetic bottle necks and domestication effects as a consequence of prolonged captive breeding. Three hypotheses are discussed: (a) G. erlangeri and/or G. muscatensis are valid species but are now extinct; (b) one or both taxa represent phenotypic variation within G. arabica and, therefore, are synonyms of G. arabica; and (c) captive stocks, exhibiting the effects of domestication and inbreeding, are the sources for the descriptions of G. erlangeri and G. muscatensis. As concerns the conservation of gazelles, based on current knowledge, we strongly advise against using putative G. erlangeri for any introduction initiative but recommend the continued captive management of putative G. erlangeri

Discrete model for laser driven etching and microstructuring of metallic surfaces

We present a unidimensional discrete solid-on-solid model evolving in time using a kinetic Monte Carlo method to simulate micro-structuring of kerfs on metallic surfaces by means of laser-induced jet-chemical etching. The precise control of the passivation layer achieved by this technique is responsible for the high resolution of the structures. However, within a certain range of experimental parameters, the microstructuring of kerfs on stainless steel surfaces with a solution of $\mathrm{H}_3\mathrm{PO}_4$ shows periodic ripples, which are considered to originate from an intrinsic dynamics. The model mimics a few of the various physical and chemical processes involved and within certain parameter ranges reproduces some morphological aspects of the structures, in particular ripple regimes. We analyze the range of values of laser beam power for the appearance of ripples in both experimental and simulated kerfs. The discrete model is an extension of one that has been used previously in the context of ion sputtering and is related to a noisy version of the Kuramoto-Sivashinsky equation used extensively in the field of pattern formation.Comment: Revised version. Etching probability distribution and new simulations adde