The Zero-Coupon/Interest-Only Fixed-Rate Mortgage: An Alternative for Funding Low-to-Moderate Income Housing

This proposal sets forth a concept for the public/private finance of owner-occupied, single-family homes for first-time homebuyers utilizing federal guarantees and private sector mortgages. Proposed funding requires no new tax revenues. The security that the program revolves around is a Zero-coupon/Interest-only Fixed-rate mortgage (ZIF). The ZIF has the potential to improve the allocation of resources for subsidizing low-income housing, to reduce risk exposure to rapidly declining property values, and to improve the self-esteem of a group of Americans who have been depressed for far too long by making homeownership a reality.

Phylogenetic triangulation: Using predator-prey-parasite interactions to infer population history from partial genetic information

Phylogeographic studies, which infer population history and dispersal movements from intra-specific spatial genetic variation, require expensive and time-consuming analyses that are not always feasible, especially in the case of rare or endangered species. On the other hand, comparative phylogeography of species involved in close biotic interactions may show congruent patterns depending on the specificity of the relationship. Consequently, the phylogeography of a parasite that needs two hosts to complete its life cycle should reflect population history traits of both hosts. Population movements evidenced by the parasite's phylogeography that are not reflected in the phylogeography of one of these hosts may thus be attributed to the other host. Using the wild rabbit (Oryctolagus cuniculus) and a parasitic tapeworm (Taenia pisiformis) as an example, we propose comparing the phylogeography of easily available organisms such as game species and their specific heteroxenous parasites to infer population movements of definitive host/predator species, independently of performing genetic analyses on the latter. This may be an interesting approach for indirectly studying the history of species whose phylogeography is difficult to analyse directly

Self-assembly of magnetic biofunctional nanoparticles

Spherical, ferromagnetic FePt nanoparticles with a particle size of 3 nm were prepared by the simultaneous polyol reduction of Fe(acac)3Fe(acac)3 and Pt(acac)2Pt(acac)2 in phenyl ether in the presence of oleic acid and oleylamine. The oleic acid ligands can be replaced with 11-mercaptoundecanoic acid, giving particles that can be dispersed in water. Both x-ray diffraction and transmission electron microscopy indicated that FePt particles were not affected by ligands replacement. Dispersions of the FePt particles with 11-mercaptoundecanoic acid ligands and ammonium counter ions gave self-assembled films consisting of highly ordered hexagonal arrays of particles.Peer Reviewedhttp://deepblue.lib.umich.edu/bitstream/2027.42/87511/2/10Q901_1.pd

Emergency medicine physicians infrequently perform pediatric critical procedures: a national perspective

Objective To our knowledge, this is the first comprehensive study using a nationally representative database to estimate the frequency of critical procedures (endotracheal tube intubation [ETI], cardiopulmonary resuscitation [CPR], and central line insertion [CLI]) in children and adults. Methods The study was based on the secondary analysis of the 2010-2014 National Hospital Ambulatory Medical Care Survey. We included adult and pediatric patients undergoing critical procedures in the emergency department. We extracted demographic and clinical information, including the performance of critical procedures. For frequent procedures (≥1 per year), we estimated the annual number of critical procedures per emergency physician (EP) by dividing the total number of annual critical procedures by the total number of EPs (estimated at 40,000). For infrequent procedures, we calculated the average interval between procedures. We summarized the data with descriptive statistics and 95% confidence intervals (CIs). Results There were an estimated 668 million total emergency department visits (24% pediatric). On average, a single EP performed 8.6 (95% CI, 5.5 to 11.7) CLIs, 3.7 (95% CI, 2.4 to 5.0) CPRs, and 6.3 (95% CI, 5.3 to 7.4) ETIs per year in adults. In comparison, a single EP performed one pediatric CLI, CPR, and ETI every 3.2 (95% CI, 1.9 to 9.8), 5.2 (95% CI, 2.8 to 33.5), and 2.8 (95% CI, 1.6 to 8.9) years, respectively. Conclusion Our nationwide findings confirm those of previous smaller studies that critical procedures are significantly fewer in children than adults. We suggest that methods to retain skills in pediatric critical procedures should be developed for general EPs to ensure that they deliver the highest level of care across the entire age spectrum

Sparking limits, cavity loading, and beam breakup instability associated with high-current rf linacs

The limitations on high-current rf linacs due to gap sparking, cavity loading, and the beam breakup instability are studied. It appears possible to achieve cavity accelerating gradients as high as 35 MV/m without sparking. Furthermore, a linear analysis, as well as self-consistent particle simulations of a multipulsed 10 kA beam, indicated that only a negligible small fraction of energy is radiated into nonfundamental cavity modes. Finally, the beam breakup instability is analyzed and found to be able to magnify initial radial perturbations by a factor of no more than about 20 during the beam transit time through a 1 GeV accelerator

Estado actual de la investigación arqueometalúrgica prehistórica en la provincia de Málaga

The lack of data on prehistoric metallurgical activities in Málaga made local prehistorians think that all the metal artefacts recovered in the province were of non-local origin. As a result of a project funded by the Junta de Andalucía, new data have been collected and we can begin to outline the development and socioeconomic importance that metal technologies have in different parts of Málaga throughout prehistory.La práctica inexistencia de datos sobre actividades metalúrgicas prehistóricas en Málaga y el vacío investigador que sobre este aspecto existía en la provincia habían creado un estado de opinión entre los prehistoriadores locales tendente a considerar como de origen extraprovincial la totalidad de los artefactos metálicos prehistóricos recuperados. Como resultado de un proyecto subvencionado por la Junta de Andalucía, estos datos que faltaban comienzan ahora a ser recuperados, y se puede empezar a trazar un esbozo general del desarrollo e importancia socieconómica que este grupo de tecnologías tuvieron en los diversos ambientes geográficos de la provincia de Málaga durante la prehistoria

Estado actual de la investigación arqueometalúrgica prehistórica en la provincia de Málaga

The lack of data on prehistoric metallurgical activities in Málaga made local prehistorians think that all the metal artefacts recovered in the province were of non-local origin. 
 As a result of a project funded by the Junta de Andalucía, new data have been collected and we can begin to outline the development and socioeconomic importance that metal technologies have in different parts of Málaga throughout prehistory.<br><br>La práctica inexistencia de datos sobre actividades metalúrgicas prehistóricas en Málaga y el vacío investigador que sobre este aspecto existía en la provincia habían creado un estado de opinión entre los prehistoriadores locales tendente a considerar como de origen extraprovincial la totalidad de los artefactos metálicos prehistóricos recuperados. 
 Como resultado de un proyecto subvencionado por la Junta de Andalucía, estos datos que faltaban comienzan ahora a ser recuperados, y se puede empezar a trazar un esbozo general del desarrollo e importancia socieconómica que este grupo de tecnologías tuvieron en los diversos ambientes geográficos de la provincia de Málaga durante la prehistoria

Individual Response to Risk As a Function of Normative Social Pressure: A Pilot Study of Seat Belt Use

The authors attempt to clarify some of the variables that influence whether people act appropriately when a Risk is substantial and subject to individual control. They do so by reporting results of a pilot study of seat belt use. Also, the authors believe their approach to be generalizable to problems such as encouraging people to test for radon, to use condoms to prevent AIDS or to quit smoking

Inter-annual decrease in pulse rate and peak frequency of Southeast Pacific blue whale song types

The decrease in the frequency of two southeast Pacific blue whale song types was examined over decades, usingacoustic data from several different sources ranging between the Equator and Chilean Patagonia. The pulse rate ofthe song units as well as their peak frequency were measured using two different methods (summed auto-correlationand Fourier transform). The sources of error associated with each measurement were assessed. There was a lineardecline in both parameters for the more common song type (southeast Pacific song type n ◦ 2). An abbreviated analysisalso showed a frequency decline in the scarcer southeast Pacific song type n ◦ 1 between 1970 to 2014, revealing thatboth song types are declining at similar rates. We discussed the use of measuring both pulse rate and peak frequencyto examine the frequency decline. Finally, a comparison of the rates of frequency decline with other song typesreported in the literature is presented.La décroissance en fréquence des deux chants de baleine bleue de l'océan pacifique sud est est examiné sur plusieurs décennies en utilisant comme source des données acoustiques de l'Equateur à la Patagonie chilienne. La fréquence de pulsation et la fréquence pic des signaux sont mesurés en utilisant deux méthodes distinctes (auto-corrélation sommée et transformée de Fourier rapide). Les sources d'erreur associées à chaque mesure sont estimées. Il y a un déclin linéaire de ces deux fréquences pour le chant le plus commun de cette zone (chant du Pacifique Sud Est n°2, SEP2). Un analyse plus rapide montre aussi une baisse linéaire, entre 1970 et 2014, de la fréquence du chant SEP1, plus rarement enregistré dans cette zone. Ces deux baisses ont des amplitudes similaires. L'intérêt de mesurer la fréquence de pulsation et la fréquence pic de façon concomitante est estimé. Enfin, une comparaison globale des déclins en fréquence de tous les types de chants de baleines bleues est fournie