Why Are Neutrinos Light? -- An Alternative

We review the recent proposal that neutrinos are light because their masses are proportional to a low scale, f, of lepton flavor symmetry breaking. This mechanism is testable because the resulting pseudo-Goldstone bosons, of mass m_G, couple strongly with the neutrinos, affecting the acoustic oscillations during the eV era of the early universe that generate the peaks in the CMB radiation. Characteristic signals result over a very wide range of (f, m_G) because of a change in the total relativistic energy density and because the neutrinos scatter rather than free-stream. Thermodynamics allows a precise calculation of the signal, so that observations would not only confirm the late-time neutrino mass mechanism, but could also determine whether the neutrino spectrum is degenerate, inverted or hierarchical and whether the neutrinos are Dirac or Majorana. The flavor symmetries could also give light sterile states. If the masses of the sterile neutrinos turn on after the MeV era, the LSND oscillations can be explained without upsetting big bang nucleosynthesis, and, since the sterile states decay to lighter neutrinos and pseudo-Goldstones, without giving too much hot dark matter.Comment: Talk given by LJH at the Fujihara Seminar on Neutrino Mass and Seesaw Mechanism held at KEK, Japan, February 2004. 11 pages, 1 figure, 3 table

Risk-Based Capital Standards and the Riskiness of Bank Portfolios: Credit and Factor Risks

Bank risk-based capital (RBC) standards require banks to hold differing amounts of capital for different classes of assets, based almost entirely on a credit risk criterion. The paper provides both a theoretical and empirical framework for evaluating such standards. A model outlining a pricing methodology for loans subject to default risk is presented. The model shows that the returns on such loans are affected by the complicated interaction of the likelihood of default, the consequences of default, term structure variables, and the pricing of factor risks in the economy. When we examine whether the risk weights accurately reflect bank asset risk, we find that the weights fail even in their limited goal of correctly quantifying credit risk. For example, our findings indicate that the RBC weights overpenalize home mortgages, which have an average credit loss of 13 basis points, relative to commercial and consumer loans. The RBC rules also contain a significant bias against direct mortgages relative to mortgage- backed securities. In addition, we find large differences in the credit riskiness of loans within the 100 percent weight class and potentially large benefits to loan diversification, neither of which are considered in the RBC regulations. We also examine other types of bank risk by estimating a simple factor model that decomposes loan risk into term structure, default, and market risk. One implication of our findings is that although banks have reallocated their portfolios in ways intended by the RBC standards, they may have merely substituted one type of risk (term structure risk) for others (default and market risk), of which the net effect is unknown.

Late Time Neutrino Masses, the LSND Experiment and the Cosmic Microwave Background

Models with low-scale breaking of global symmetries in the neutrino sector provide an alternative to the seesaw mechanism for understanding why neutrinos are light. Such models can easily incorporate light sterile neutrinos required by the LSND experiment. Furthermore, the constraints on the sterile neutrino properties from nucleosynthesis and large scale structure can be removed due to the non-conventional cosmological evolution of neutrino masses and densities. We present explicit, fully realistic supersymmetric models, and discuss the characteristic signatures predicted in the angular distributions of the cosmic microwave background.Comment: 4 pages, revtex

Impacts of anthropogenic emissions and cold air pools on urban to montane gradients of snowpack ion concentrations in the Wasatch Mountains, Utah

pre-printUrban montane valleys are often characterized by periodic wintertime temperature inversions (cold air pools) that increase atmospheric particulate matter concentrations, potentially stimulating the deposition of major ions to these snow-covered ecosystems. We assessed spatial and temporal patterns of ion concentrations in snow across urban to montane gradients in Salt Lake City, Utah, USA, and the adjacent Wasatch Mountains during January 2011, a period of several persistent cold air pools. Ion concentrations in fresh snow samples were greatest in urban sites, and were lower by factors of 4 - 130 in a remote high-elevation montane site. Adjacent undeveloped canyons experienced significant incursions of particulate-rich urban air during stable atmospheric conditions, where snow ion concentrations were lower but not significantly different from urban sites. Surface snow ion concentrations on elevation transects in and adjacent to Salt Lake City varied with temporal and spatial trends in aerosol concentrations, increasing following exposure to particulate-rich air as cold air pools developed, and peaking at intermediate elevations (1500 - 1600 m above sea level, or 200 - 300 m above the valley floor). Elevation trends in ion concentrations, especially NH4 + and NO3, corresponded with patterns of aerosol exposure inferred from laser ceilometer data, suggesting that high particulate matter concentrations stimulated fog or dry ion deposition to snow-covered surfaces at the top of the cold air pools. Fog/dry deposition inputs were similar to wet deposition at mid-elevation montane sites, but appeared negligible at lower and higher-elevation sites. Overall, snow ion concentrations in our urban and adjacent montane sites exceeded many values reported from urban precipitation in North America, and greatly exceeded those reported for remote snowpacks. Sodium, Cl-, NH4 +, and NO3 concentrations in fresh snow were high relative to previously measured urban precipitation, with means of 120, 117, 42, and 39 ueq l-1, respectively. After exposure to atmospheric particulate matter during cold pool events, surface snow concentrations peaked at 2500, 3600, 93, and 90 ueq l-1 for these ions. Median nitrogen (N) deposition in fresh urban snow samples measured 0.8 kg N ha-1 uring January 2011, with similar fog/dry deposition inputs at mid-elevation montane sites. Wintertime anthropogenic air pollution represents a significant source of ions to snow-covered ecosystems proximate to urban montane areas, with important implications for ecosystem function

Convergence in Nitrogen Deposition and Cryptic Isotopic Variation Across Urban and Agricultural Valleys in Northern Utah

The extent to which atmospheric nitrogen (N) deposition reflects land use differences and biogenic versus fossil fuel reactive N sources remains unclear yet represents a critical uncertainty in ecosystem N budgets. We compared N concentrations and isotopes in precipitation-event bulk (wet + dry) deposition across nearby valleys in northern Utah with contrasting land use (highly urban versus intensive agriculture/low-density urban). We predicted greater nitrate (NO3−) versus ammonium (NH4+) and higher δ15N of NO3− and NH4+ in urban valley sites. Contrary to expectations, annual N deposition (3.5–5.1 kg N ha−1 yr−1) and inorganic N concentrations were similar within and between valleys. Significant summertime decreases in δ15N of NO3− possibly reflected increasing biogenic emissions in the agricultural valley. Organic N was a relatively minor component of deposition (~13%). Nearby paired wildland sites had similar bulk deposition N concentrations as the urban and agricultural sites. Weighted bulk deposition δ15N was similar to natural ecosystems (−0.6 ± 0.7‰). Fine atmospheric particulate matter (PM2.5) had consistently high values of bulk δ15N (15.6 ± 1.4‰), δ15N in NH4+ (22.5 ± 1.6‰), and NO3− (8.8 ± 0.7‰), consistent with equilibrium fractionation with gaseous species. The δ15N in bulk deposition NH4+ varied by more than 40‰, and spatial variation in δ15N within storms exceeded 10‰. Sporadically high values of δ15N were thus consistent with increased particulate N contributions as well as potential N source variation. Despite large differences in reactive N sources, urban and agricultural landscapes are not always strongly reflected in the composition and fluxes of local N deposition—an important consideration for regional-scale ecosystem models

An optical method for carbon dioxide isotopes and mole fractions in small gas samples: Tracing microbial respiration from soil, litter, and lignin

Rationale Carbon dioxide isotope (δ13C value) measurements enable quantification of the sources of soil microbial respiration, thus informing ecosystem C dynamics. Tunable diode lasers (TDLs) can precisely measure CO2 isotopes at low cost and high throughput, but are seldom used for small samples (≤5 mL). We developed a TDL method for CO2 mole fraction ([CO2]) and δ13C analysis of soil microcosms. Methods Peaks in infrared absorbance following constant volume sample injection to a carrier were used to independently measure [12CO2] and [13CO2] for subsequent calculation of δ13C values. Using parallel soil incubations receiving differing C substrates, we partitioned respiration from three sources using mixing models: native soil organic matter (SOM), added litter, and synthetic lignin containing a 13C label at Cβ of the propyl side chain. Results Once-daily TDL calibration enabled accurate quantification of δ13C values and [CO2] compared with isotope ratio mass spectrometry (IRMS), with long-term external precision of 0.17 and 0.31‰ for 5 and 1 mL samples, respectively, and linear response between 400 and 5000 μmol mol−1CO2. Production of CO2 from native soil C, added litter, and lignin Cβ varied over four orders of magnitude. Multiple-pool first-order decay models fitted to data (R2 \u3e 0.98) indicated substantially slower turnover for lignin Cβ (17 years) than for the dominant pool of litter (1.3 years) and primed soil C (3.9 years). Conclusions Our TDL method provides a flexible, precise, and high-throughput (60 samples h−1) alternative to IRMS for small samples. This enables the use of C isotopes in increasingly sophisticated experiments to test biogeochemical controversies, such as the fate of lignins in soil