Thrift involvement in commercial and industrial lending

How important a role do thrift institutions play in local banking market competition? This article looks at a key aspect of that issue by examining the commercial and industrial lending of commercial banks and thrifts during the 1990s. Generally, thrifts were far less involved in C&I lending than banks during the period, but their involvement varied considerably with such factors as local deposit market concentration and institution size, charter type, and ownership status.Savings and loan associations ; Bank loans

Space shuttle orbiter heat pipe applications. Volume 2: Final report

For abstract, see

II. Latin American Martyrs: 1. Mexico (1917)

x, 76

Cruise Report W-132 : scientific activities undertaken aboard the SSV Westward, Miami - Jamaica - Roatan - Miami, 24 March 1994 -30 April 1994

Miami, FL - Jamaica - Roatan - Miami, FL, 24 March 1994 - 30 April 1994On the 24th of March 1994, a company of 22 students arrived at the Port of Miami to board the SSV Westward for a 6-week journey into the warm waters of the Bahamas and Caribbean Sea. Their adventure was not only in the places which were travelled, but through the experience of life at sea working aboard a sailing vessel, and in learning first hand about the practical realities of scientific study of the sea. The biological and physical properties of the ocean were visually revealed rather than through theory prescribed by a textbook. The geologic nature of the sea floor, became not only a topic for interested study, but an important factor to examine during anchoring and navigating the vessel

Cruise Report W-134A : scientific activities undertaken aboard the SSV Westward, Woods Hole, MA - Woods Hole, MA, 5 August 1994 - 14 August 1994

Woods Hole, MA - Woods Hole, MA, 5 August 1994 - 14 August 1994This cruise report provides an outline of the scientific and academic activities conducted aboard the SSV Westward during cruise W-134A in the summer of 1994. Included within this document are a list of participants, the final cruise track, a complete listing of sampling stations, and a summary of the results from group research projects. This report is not intended as a final analysis or interpretation of the data generated during W-134A

Modeling of Circulation and Transport in Terrebonne Bay, Louisiana and Its Implications for Oyster Harvesting Management.

Contamination of oyster-rich waters in south Louisiana by sewage-related wastes is believed to occur on a seasonally varying basis, and pose a serious threat to both human welfare and the local economy. Fluctuations in the meteorologic and oceanographic conditions in the region are believed to be responsible for the variability observed in bacterial concentrations. To gain a better understanding of the relationship between transport processes, environmental forcing, and the potential for contamination, a combined program of in situ measurements and numerical modeling techniques was conducted in the nearshore waters of Terrebonne Bay, Louisiana. A finite element model based on the vertically integrated equations of motion and continuity was used to simulate flow under various environmental regimes. Wind, tides, and runoff were incorporated based on real-time measurements within the study area. Observations of large-scale circulation were used to calibrate and verify the ability of the model to realistically simulate flow. Lagrangian-type particle tracking was employed to specifically examine tidal advection and residual transport in the pollution-prone northwestern region of the bay. Results indicate that the patterns of transport within the nearshore waters of Terrebonne Bay are highly complex and depend on the interactions of tides, wind, runoff, and changes in mean sea level within the bay. Residual flow of particulate materials within the bay is commonly seaward at a rate of 0.8 to 5.0 cm/s depending on location and environmental conditions occurring during the time of release. Even under the strongest of transport regimes, the residence time within the oyster-rich upper reaches of the bay appears to be on the order of 2 or more days. Rising sea level within the bay, daily landward advection by the incoming tide, and several wind/tide combinations produce transport patterns conducive to contamination. Consequently, the likelihood for contamination of oyster-rich waters is not a function of season or any one environmental parameter. Present management strategies for oyster harvesting are not supported by these results, and efforts towards more effective treatment of wastewater prior to discharge, and the use of depuration processes post-harvest are recommended

De Novo Genome Sequence of "Candidatus Liberibacter solanacearum" from a Single Potato Psyllid in California.

The draft genome sequence of "Candidatus Liberibacter solanacearum" strain RSTM from a potato psyllid (Bactericera cockerelli) in California is reported here. The RSTM strain has a genome size of 1,286,787 bp, a G+C content of 35.1%, 1,211 predicted open reading frames (ORFs), and 43 RNA genes

Gravitational wave recoil in Robinson-Trautman spacetimes

We consider the gravitational recoil due to non-reflection-symmetric gravitational wave emission in the context of axisymmetric Robinson-Trautman spacetimes. We show that regular initial data evolve generically into a final configuration corresponding to a Schwarzschild black-hole moving with constant speed. For the case of (reflection-)symmetric initial configurations, the mass of the remnant black-hole and the total energy radiated away are completely determined by the initial data, allowing us to obtain analytical expressions for some recent numerical results that have been appeared in the literature. Moreover, by using the Galerkin spectral method to analyze the non-linear regime of the Robinson-Trautman equations, we show that the recoil velocity can be estimated with good accuracy from some asymmetry measures (namely the first odd moments) of the initial data. The extension for the non-axisymmetric case and the implications of our results for realistic situations involving head-on collision of two black holes are also discussed.Comment: 9 pages, 6 figures, final version to appear in PR