U.S. consumers and electronic banking, 1995-2003

The availability and variety of electronic banking technologies in the marketplace has greatly expanded in recent years. For financial institutions, e-banking technologies can speed processing, reduce costs, and help attract and retain customers. For consumers, they can save time and money and may be more convenient than more traditional ways of banking. This article draws on data from two nationwide surveys to look at consumer use of such products and services as debit cards, pre-authorized debits, and computer banking, particularly as use relates to consumer demographic characteristics and consumer perceptions. ; The data show a consistent increase in the proportion of consumers using a variety of e-banking technologies. Consumer attitudes toward e-banking generally have become more positive over time, with more consumers seeing e-banking as convenient, familiar, easy to use, and secure. The use of some technologies, particularly debit cards, has become more democratized over time, but it is still the case that most e-banking technologies tend to be used by higher income, higher asset, younger, and better educated households. ; E-banking technologies hold the promise of helping families manage their money, pay their bills on time, and avoid overextending themselves with credit. To take full advantage of them, however, consumers need to become aware of the evolving array of e-banking technologies available to them and understand how different technologies fit with their financial management needs. Financial planners and consumer educators, working with both families and financial institutions, can help the promise become a reality.Electronic funds transfers ; Internet banking

Agricultura andina tradicional y procesos de cambio en la cuenca del río Zenta, Salta, noroeste de Argentina

In this paper we analyze the altitudinal use of the environment in the traditional agricultural practices of an Andean rural community of Salta Province, Argentina. At present, families that used to move periodically among different settlements are gradually turning to be sedentary. This process has resulted in the weakening of the vertical use of the environment, the concentration of agricultural activities into a sole altitudinal level, the loss of some cultigens proper of abandoned areas and in the increase in the pressure of use in permanent locations. Even though ancestral agricultural practices are still in use in the community under study, changes are negatively influencing their preservation.Se analiza el uso altitudinal del ambiente en relación a prácticas agrícolas tradicionales, en una comunidad rural de la provincia de Salta, Argentina. En el presente, las familias que solían trasladarse periódicamente entre diferentes puestos están tornándose sedentarias paulatinamente. Este proceso está ocasionando cambios tales como la disminución de la importancia del uso vertical del ambiente, la concentración de las actividades agrícolas en un solo nivel altitudinal, la pérdida de algunos cultígenos debido al abandono de las áreas apropiadas para su producción y el incremento de la presión de uso en las empleadas de forma permanente. Aunque las prácticas agrícolas ancestrales aún se observan en la comunidad estudiada, están ocurriendo cambios que influencian negativamente su preservación.Fil: Hilgert, Norma Ines. Consejo Nacional de Investigaciones Científicas y Técnicas. Centro Científico Tecnológico Conicet - Nordeste; Argentina. Universidad Nacional de Misiones. Facultad de Ciencias Forestales; ArgentinaFil: Gil, Guillermo E.. Administración de Parques Nacionales; Argentin

Estimation of phosphorus emissions in the upper Iguazu basin (Brazil) using GIS and the MoRE Model

Pollution emissions into the drainage basin have direct impact on surface water quality. These emissions result from human activities that turn into pollution loads when they reach the water bodies, as point or diffuse sources. Their pollution potential depends on the characteristics and quantity of the transported materials. The estimation of pollution loads can assist decision-making in basin management. Knowledge about the potential pollution sources allows for a prioritization of pollution control policies to achieve the desired water quality. Consequently, it helps avoiding problems such as eutrophication of water bodies. The focus of the research described in this study is related to phosphorus emissions into river basins. The study area is the upper Iguazu basin that lies in the northeast region of the State of Paraná, Brazil, covering about 2,965 km² and around 4 million inhabitants live concentrated on just 16% of its area. The MoRE (Modeling of Regionalized Emissions) model was used to estimate phosphorus emissions. MoRE is a model that uses empirical approaches to model processes in analytical units, capable of using spatially distributed parameters, covering both, emissions from point sources as well as non-point sources. In order to model the processes, the basin was divided into 152 analytical units with an average size of 20 km². Available data was organized in a GIS environment. Using e.g. layers of precipitation, the Digital Terrain Model from a 1:10000 scale map as well as soils and land cover, which were derived from remote sensing imagery. Further data is used, such as point pollution discharges and statistical socio-economic data. The model shows that one of the main pollution sources in the upper Iguazu basin is the domestic sewage that enters the river as point source (effluents of treatment stations) and/or as diffuse pollution, caused by failures of sanitary sewer systems or clandestine sewer discharges, accounting for about 56% of the emissions. Second significant shares of emissions come from direct runoff or groundwater, being responsible for 32% of the total emissions. Finally, agricultural erosion and industry pathways represent 12% of emissions. This study shows that MoRE is capable of producing valid emission calculation on a relatively reduced input data basis

Regulatory interactions between two actin nucleators, Spire and Cappuccino

Spire and Cappuccino are actin nucleation factors that are required to establish the polarity of Drosophila melanogaster oocytes. Their mutant phenotypes are nearly identical, and the proteins interact biochemically. We find that the interaction between Spire and Cappuccino family proteins is conserved across metazoan phyla and is mediated by binding of the formin homology 2 (FH2) domain from Cappuccino (or its mammalian homologue formin-2) to the kinase noncatalytic C-lobe domain (KIND) from Spire. In vitro, the KIND domain is a monomeric folded domain. Two KIND monomers bind each FH2 dimer with nanomolar affinity and strongly inhibit actin nucleation by the FH2 domain. In contrast, formation of the Spire–Cappuccino complex enhances actin nucleation by Spire. In Drosophila oocytes, Spire localizes to the cortex early in oogenesis and disappears around stage 10b, coincident with the onset of cytoplasmic streaming

Relativistic Chasles' theorem and the conjugacy classes of the inhomogeneous Lorentz group

This work is devoted to the relativistic generalization of Chasles' theorem, namely to the proof that every proper orthochronous isometry of Minkowski spacetime, which sends some point to its chronological future, is generated through the frame displacement of an observer which moves with constant acceleration and constant angular velocity. The acceleration and angular velocity can be chosen either aligned or perpendicular, and in the latter case the angular velocity can be chosen equal or smaller than than the acceleration. We start reviewing the classical Euler's and Chasles' theorems both in the Lie algebra and group versions. We recall the relativistic generalization of Euler's theorem and observe that every (infinitesimal) transformation can be recovered from information of algebraic and geometric type, the former being identified with the conjugacy class and the latter with some additional geometric ingredients (the screw axis in the usual non-relativistic version). Then the proper orthochronous inhomogeneous Lorentz Lie group is studied in detail. We prove its exponentiality and identify a causal semigroup and the corresponding Lie cone. Through the identification of new Ad-invariants we classify the conjugacy classes, and show that those which admit a causal representative have special physical significance. These results imply a classification of the inequivalent Killing vector fields of Minkowski spacetime which we express through simple representatives. Finally, we arrive at the mentioned generalization of Chasles' theorem.Comment: Latex2e, 49 pages. v2: few typos correcte

The dual horospherical Radon transform for polynomials, Mosc

Abstract. Let X = G/K be a semisimple symmetric space of noncompact type. A horosphere in X is an orbit of a maximal unipotent subgroup of G. The set Hor X of all horospheres is a homogeneous space of G. The horospherical Radom transform suggested by I. M. Gelfand and M. I. Graev in 1959 takes any function ϕ on X to a function on Hor X obtained by integrating ϕ over horospheres. We explicitly describe the dual transform in terms of its action on polynomial functions on Hor X

Financial capability and functional financial literacy in young adults with developmental language disorder

Background: Financial capability is an essential feature of the organisation of one’s personal life and engagement with society. Very little is known of how adequately individuals with developmental language disorder (DLD) handle financial matters. It is known that language difficulties place them at a disadvantage in many aspects of their development and during their transition into adulthood, leading to the possibility that financial issues may prove burdensome for them. This study examines the financial capability and functional financial literacy of young adults with DLD and compares them to those of age matched peers (AMPs). We tested the expectation that those with DLD would find financial management more challenging than would their peers, and that they would need to seek greater support from family members or other people. Methods: Participants completed a detailed individual interview, which included items drawn from the British Household Panel Survey and additional measures of financial capability, functional financial literacy and of perceived support. Nonverbal IQ, language, reading and numeracy measures were also collected. Results: Compared to typically developing AMPs, young people with DLD report less extensive engagement with financial products and lower competence in functional financial literacy. A considerably higher proportion of those with DLD (48% vs 16% of AMPs) report that they draw on support, primarily from parents, in various financial tasks, including paying bills, choosing financial products, and taking loans from family or friends. Conclusions: This is the first study to consider the financial capability skills and functional financial literacy of young adults with DLD. We provide novel evidence that some young adults with DLD lack functional financial skills and require support to successfully manage their finances. This has policy implications that relate not only to engaging affected individuals in discussions about financial management but also to wider familial support

Future asymptotic expansions of Bianchi VIII vacuum metrics

Bianchi VIII vacuum solutions to Einstein's equations are causally geodesically complete to the future, given an appropriate time orientation, and the objective of this article is to analyze the asymptotic behaviour of solutions in this time direction. For the Bianchi class A spacetimes, there is a formulation of the field equations that was presented in an article by Wainwright and Hsu, and in a previous article we analyzed the asymptotic behaviour of solutions in these variables. One objective of this paper is to give an asymptotic expansion for the metric. Furthermore, we relate this expansion to the topology of the compactified spatial hypersurfaces of homogeneity. The compactified spatial hypersurfaces have the topology of Seifert fibred spaces and we prove that in the case of NUT Bianchi VIII spacetimes, the length of a circle fibre converges to a positive constant but that in the case of general Bianchi VIII solutions, the length tends to infinity at a rate we determine.Comment: 50 pages, no figures. Erronous definition of Seifert fibred spaces correcte