IPC or total deposits? There is a difference

An abstract for this article is not availableBank deposits ; Federal Reserve District, 5th

Thrift competition : does it matter?

An abstract for this article is not availableBanks and banking ; Financial services industry - Law and legislation ; Federal Reserve District, 5th

IPC or total deposits? There is a difference

An abstract for this article is not availableBank deposits ; Federal Reserve District, 5th

Predicing Ecological Effects of Watershed-Wide Rain Garden Implementation Using a Low-Cost Methodology

Stormwater control measures (SCMs) have been employed to mitigate peak flows and pollutants ssociated with watershed urbanization. Downstream ecological effects caused by the implementation of SCMs are largely unknown, especially at the watershed scale. Knowledge of these effects could help with setting goals for and targeting locations of local restoration efforts. Unfortunately, studies such as these typically require a high level of time and effort for the investigating party, of which resources are often limited. This study proposes a low-cost investigation method for the prediction of ecological effects on the watershed scale with the implementation of rain garden systems by using publicly available data and software. For demonstration purposes, a typical urban watershed was modeled using Storm Water Management Model (SWMM) 5.0. Forty-five models were developed in which the percent impervious area was varied 3 to 80%, and the fraction of rain gardens implemented with respect to the number of structures was varied from to 100%. The river chub fish (Nocomis micropogon) and its congeners (Nocomis spp.) were chosen as ecological indicators, as they are considered to be keystone species through interspecific nesting association. Depth and velocity criteria for successful nest building locations of the river chub were determined; these criteria can then be applied to many other watersheds. In this study, both base flow conditions and a typical summer storm event (1.3 cm, 6 h duration) were evaluated. During the simulated storm, nest-building locations were not affected in the 3 and 5% impervious cover models. Nest destruction was found to occur in approximately 54% of the original nest building sites for the 9% and 10% impervious areas. Nearly all of the nest-building locations were uninhabitable for impervious areas 20% and greater. Rain garden implementation significantly improved river chub habitat in the simulation, with greatest marginal benefit at lower levels of implementation

Fifth district bank performance

A review of District banks’ 1989 financial measures, including net interest margin, loan and lease loss provision, noninterest income and expense, taxes, profits, and capital. In general, District banks outperformed banks nationally.Banks and banking ; Federal Reserve District, 5th

Fifth district banks' return on assets: highest in decade

Reduced provisions for loan losses in 1988 boosted bank profits in the Fifth District and nationwide. Profit ratios also may have been influenced somewhat by subsidiary banks’ payment of management fees to their holding companies.Federal Reserve District, 5th ; Bank profits

An application of the requirement vs capability analysis to estimating design reliability of solid rocket motors

Design reliability parameters for solid propellant rocket engine

A study of the school funding formula created by SB 287 in Missouri

The entire dissertation/thesis text is included in the research.pdf file; the official abstract appears in the short.pdf file (which also appears in the research.pdf); a non-technical general description, or public abstract, appears in the public.pdf file.Title from title screen of research.pdf file (viewed on August 9, 2007)Vita.Thesis (Ed. D.) University of Missouri-Columbia 2006.The purpose of this study was to investigate the methods of determining adequacy and equity through SB 287. The study examined the assumptions used in the calculation of adequacy and the extent to which the formula is successful in improving equity over the former formula that was developed by SB 380 in 1993. The researcher collected data from the Missouri Department of Elementary and Secondary Education. This data was used in correlation analysis to determine relationships between variables used to calculate the adequacy target. Correlations were performed between expenditure per pupil and APR scores, expenditure per pupil and percent free and reduced, expenditure per pupil and percent special education, and expenditure per pupil and percent limited English proficient. In addition, revenues per ADA under SB 380 were compared to revenues per ADA under SB 287 by calculating the coefficient of variation and the federal range ratio. Results of the study indicated that there was little correlation between the variables used to develop the adequacy target. This seemed to indicate that the successful schools method used in SB 287 to determine adequacy was invalid because it was based on the assumption that the variables are related. In addition, the results of the study indicated that the method of distributing funds decreased the variation in the amount per ADA. As a result, SB 287 seems to improve equity over the SB 380 formula.Includes bibliographical reference

Detoxification and stress response genes expressed in a western North American bumble bee, Bombus huntii (Hymenoptera: Apidae)

BACKGROUND: The Hunt bumble bee (Bombus huntii Greene, Hymenoptera: Apidae) is a holometabolous, social insect important as a pollinator in natural and agricultural ecosystems in western North America. Bumble bees spend a significant amount of time foraging on a wide variety of flowering plants, and this activity exposes them to both plant toxins and pesticides, posing a threat to individual and colony survival. Little is known about what detoxification pathways are active in bumble bees, how the expression of detoxification genes changes across life stages, or how the number of detoxification genes expressed in B. huntii compares to other insects. RESULTS: We found B. huntii expressed at least 584 genes associated with detoxification and stress responses. The expression levels of some of these genes, such as those encoding the cytochrome P450s, glutathione S-transferases (GSTs) and glycosidases, vary among different life stages to a greater extent than do other genes. We also found that the number of P450s, GSTs and esterase genes expressed by B. huntii is similar to the number of these genes found in the genomes of other bees, namely Bombus terrestris, Bombus impatiens, Apis mellifera and Megachile rotundata, but many fewer than are found in the fly Drosophila melanogaster. CONCLUSIONS: Bombus huntii has transcripts for a large number of detoxification and stress related proteins, including oxidation and reduction enzymes, conjugation enzymes, hydrolytic enzymes, ABC transporters, cadherins, and heat shock proteins. The diversity of genes expressed within some detoxification pathways varies among the life stages and castes, and we typically identified more genes in the adult females than in larvae, pupae, or adult males, for most pathways. Meanwhile, we found the numbers of detoxification and stress genes expressed by B. huntii to be more similar to other bees than to the fruit fly. The low number of detoxification genes, first noted in the honey bee, appears to be a common phenomenon among bees, and perhaps results from their symbiotic relationship with plants. Many flowering plants benefit from pollinators, and thus offer these insects rewards (such as nectar) rather than defensive plant toxins

Cleaning Process Development for Metallic Additively Manufactured Parts

Additive Manufacturing of metallic components for aerospace applications offers many advantages over traditional manufacturing techniques. As a new technology, many aspects of its widespread utilization remain open to investigation. Among these are the cleaning processes that can be used for post finishing of parts and measurements to verify effectiveness of the cleaning processes. Many cleaning and drying processes and measurement methods that have been used for parts manufactured using conventional techniques are candidates that may be considered for cleaning and verification of additively manufactured parts. Among these are vapor degreasing, ultrasonic immersion and spray cleaning, followed by hot air drying, vacuum baking and solvent displacement drying. Differences in porosity, density, and surface finish of additively manufactured versus conventionally manufactured parts may introduce new considerations in the selection of cleaning and drying processes or the method used to verify their effectiveness. This presentation will review the relative strengths and weaknesses of different candidate cleaning and drying processes as they may apply to additively manufactured metal parts for aerospace applications. An ultrasonic cleaning technique for exploring the cleanability of parts will be presented along with an example using additively manufactured Inconel 718 test specimens to illustrate its use. The data analysis shows that this ultrasonic cleaning approach results in a well-behaved ultrasonic cleaning/extraction behavior. That is, it does not show signs of accelerated cavitation erosion of the base material, which was later confirmed by neutron imaging. In addition, the analysis indicated that complete cleaning would be achieved by ultrasonic immersion cleaning at approximately 5 minutes, which was verified by subsequent cleaning of additional parts