Alternative financial service providers and the spatial void hypothesis: the case of New Jersey and Delaware

This paper continues the use of the spatial void hypothesis methodology to analyze the location of alternative financial service providers, such as check cashing outlets and pawn shops, in New Castle County, Delaware, and Atlantic, Mercer, Monmouth, and Passaic counties in New Jersey. Also explores whether these providers are disproportionately serving minority and low-income areas.

Alternative financial service providers and the spatial void hypothesis

This paper examines the use of alternative financial service providers (AFSPs) such as check-cashing outlets and pawnshops in Philadelphia, Montgomery, Delaware, and Allegheny counties. Also explores whether these providers are disproportionately serving minority and low-income areas.

The impact of housing rehabilitation on local neighborhoods: the case of St. Joseph's Carpenter Society

This paper presents the results of a Philadelphia Fed study that analyzes whether the community development efforts of a nonprofit in Camden, NJ, have an effect on local neighborhoods.Home ownership ; Housing

Subprime lending over time: the role of race

Analyzes the racial gap in subprime mortgages over time. The study estimates a portion of the gap that cannot be attributed to such characteristics as income, credit score, loan amount, degree of documentation, denial rate, residence in a minority tract, and debt-to-income ratio. It concludes that the unexplained portion suggests that bias in mortgage lending cannot be ruled out.Subprime market ; Predatory lending ; Discrimination in housing

Alternative Financial Service Providers and the Spatial Void Hypothesis

This paper studies the spatial relationship between traditional banking services (Banks) and alternative financial service providers (AFSPs). The main objective is to test the so-called spatial void hypothesis that AFSPs tend to locate in markets where traditional banking services are under-provided. The key question of interest here is whether or not AFSPs serve markets with significantly lower income levels than those of Banks. A statistical methodology is developed for addressing this question that builds on previous studies. The present approach is based largely on K-function analyses of both individual and paired point patterns. These Monte Carlo testing procedures are applied to Banks and AFSPs in the four-county region around Philadelphia, Pennsylvania, and are also compared with previous methods. The main finding of this research is that there is indeed strong empirical support for the spatial void hypothesis in this Philadelphia region

European Beads from Spanish-Colonial Lamanai and Tipu, Belize

Excavation of the contact-period components of the Maya sites of Lamanai and Tipu, in northern and west-central Belize, respectively, have yielded moderate collections of European glass and other beads. The archaeological data are augmented by ethnohistorical documentation regarding the length of Maya/Spanish interaction. Contexts do not provide unequivocal stratigraphic evidence of sequential bead importation, but known dates of bead varieties assist in refining both site chronology and the understanding of bead use. As the first Central American collections to be analyzed, the two assemblages offer an initial glimpse of one aspect of European impact on native material and non-material culture

Further Correlations of Cell Metabolism and Resistance to Tuberculosis: Studies on Mononuclear Peritoneal Exudate Cells from Mice and Guinea Pigs

The metabolic activity of mononuclear exudate cells from mice of different strains, and from the guinea pig, have been compared to the rabbit with the aim of relating metabolic activity of these cells to resistance of these species to tuberculosis. The presence of mast cells in the peritoneal exudates of mice was thought to interfere with the dehydrogenation of certain substrates due to the release of histamine. Some experimental evidence presented by the authors seems to support this thesis

Decreasing Cerebral Oxygen Consumption During Upright Tilt in Vasovagal Syncope

We measured changes in transcranial Doppler ultrasound (TCD) and near infrared spectroscopy (NIRS) during 70 degrees upright tilt in patients with recurrent vasovagal syncope (VVS, N = 20), postural tachycardia syndrome (POTS, N = 20), and healthy controls (N = 12) aged 15-27 years old. VVS was included if they fainted during testing within 5-15 min of upright tilt. We combined TCD and NIRS to obtain estimates of percent change in the cerebral metabolic rate of oxygen consumption (CMRO2), cerebral blood flow velocity (CBFv), and oxygen extraction fraction (OEF). Over the course of 10 min of upright tilt, CBFv decreased from a baseline of 70 +/- 5 to 63 +/- 5 cm/sec in controls and 74 +/- 3 to 64 +/- 3 cm/sec in POTS while decreasing from 74 +/- 4 to 44 +/- 3 cm/sec in VVS CMRO2 was unchanged in POTS and controls during tilt while OEF increased by 19 +/- 3% and 15 +/- 3%, respectively. CMRO2 decreased by 31 +/- 3% in VVS during tilt while OEF only increased by 7 +/- 3%. Oxyhemoglobin decreased by 1.1 +/- 1.3 mumol/kg brain tissue in controls, by 1.1 +/- 1.3 mumol/kg in POTS, and 11.1 +/- 1.3 mumol/kg in VVS CBFv and CMRO2 fell steadily in VVS during upright tilt. The deficit in CMRO2 in VVS results from inadequate OEF in the face of greatly reduced CBF

A wheat genomic DNA fragment reduces pollen transmission of maize transgenes by reducing pollen viability

A genomic DNA fragment from wheat carrying the Glu-1Dx5 gene has been shown to exhibit reduced pollen transmission in transgenic maize. To localize the region of the DNA fragment responsible for this reduced pollen transmission, we produced transgenic maize plants in which the wheat genomic DNA proximal to the 1Dx5 coding sequence was replaced with the maize 27 kDa γ-zein promoter. Like the wheat promoter-driven Glu-1Dx5 transgene, this zein promoter-driven transgene functioned to produce 1Dx5 in maize endosperm. However, with the zein promoter-driven transgene, pollen transmission of the transgene loci was normal in most self- and cross-pollinations. We concluded that the wheat genomic DNA proximal to the wheat 1Dx5 coding sequence was required for reduced pollen transmission of the transgene in maize. In two of four transformation events of the wheat promoter-driven construct examined, pollen exhibited two morphological classes. In one class, pollen was normal in morphology and displayed average viability, and in the second, pollen was reduced in size and did not germinate on artificial media. DNA from the transgene was detectable in mature pollen from plants with reduced pollen transmission of transgene loci. To explain these observations, we hypothesize that elements within the transgene construct interfere with pollen development. We demonstrated that the wheat genomic DNA fragment can be used to control pollen transmission of an herbicide resistance transgene genetically linked to it. The wheat genomic DNA fragment may contain elements that are useful for controlling pollen transmission of transgene loci in commercial maize grain and seed production

1956 Ruby Yearbook

A digitized copy of the 1956 Ruby, the Ursinus College yearbook.https://digitalcommons.ursinus.edu/ruby/1059/thumbnail.jp