The Movement To Cyberbanking

Five hundred financial institutions in the United States are randomly sampled each year in order to examine Internet participation present and planned by the financial institutions. Each year CEOs of selected institutions are asked about the institution’s present involvement with on?line banking and their internet plans for the next two years. The usable response rates achieved in these studies have exceeded 40 percent. This paper examines the responses for the year 2001

Adaptation of a Couple-Based HIV Intervention for Methamphetamine-Involved African American Men who have Sex with Men

In the U.S., incidence of HIV infection among men who have sex with men (MSM) has steadily increased since the 1990s. This points to a need for innovation to address both emerging trends as well as longer-standing disparities in HIV risk and transmission among MSM, such as the elevated rates of HIV/STIs among African American MSM and methamphetamine users. While couple-based sexual risk reduction interventions are a promising avenue to reduce HIV/STI transmission, prior research has been almost exclusively with heterosexual couples. We sought to adapt an existing, evidence-based intervention—originally developed and tested with heterosexual couples—for a new target population consisting of African American MSM in a longer-term same-sex relationship where at least one partner uses methamphetamine. The adaptation process primarily drew from data obtained from a series of focus groups with 8 couples from the target population. Attention is given to the methods used to overcome challenges faced in this adaptation process: limited time, a lead investigator who is phenotypically different from the target population, a dearth of descriptive information on the experiences and worldviews among the target population, and a concomitant lack of topical experts. We also describe a visualization tool used to ensure that the adaptation process promotes and maintains adherence to the theory that guides the intervention and behavior change. The process culminated with an intervention adapted for the new target population as well as preliminary indications that a couple-based sexual-risk reduction intervention for African American, methamphetamine-involved male couples is feasible and attractive

The profitability of diverse crop rotations and other cultural methods that reduce wild oat (Avena fatua)

With increasing resistance of wild oat (Avena fatua L.) to herbicides, there is a need to evaluate the potential of alternative cropping systems based on integrated weed management principles. A 5-yr field study at eight sites across Canada was used to evaluate the profitability of alternative cropping systems that have the potential to control wild oat using cultural practices in conjunction with herbicides. Cultural practices included twice the recommended seeding rates, fall seeded winter crops, barley (Hordeum vulgare L.) silage, fallow, and alfalfa (Medicago sativa L.). Seven of the 14 cropping systems in this study did not include wild oat herbicide for three consecutive years, controlling wild oat entirely by cultural practices. Cropping system profitability varied by location. For many locations, combinations of barley silage and fall seeded winter crops without wild oat herbicide application were as profitable as a system of canola (Brassica napus L.) and wheat (Triticum aestivum L.) with wild oat herbicide applied every year. Unprofitable systems generally included those with fallow, alfalfa, and fall seeded winter crops in regions with rates of high winter kill. Wild oat control can be achieved with diverse cropping systems that are as profitable as conventional annual cropping that relies on herbicide control of wild oat.The accepted manuscript in pdf format is listed with the files at the bottom of this page. The presentation of the authors' names and (or) special characters in the title of the manuscript may differ slightly between what is listed on this page and what is listed in the pdf file of the accepted manuscript; that in the pdf file of the accepted manuscript is what was submitted by the author