A Freer Markets Approach To Fixing The Housing Market

The unprecedented level of government intervention in recent financial markets has mainly ignored the root cause of the financial institution balance sheet problem: housing prices. Rather than apply taxpayer dollars to the symptoms (i.e. buying securities), policies directed at reducing inefficiencies and poor incentives in the housing market will help fix the system from the bottom up and motivate the substantial capital waiting in the wings to buy distressed housing assets. This paper proposes eliminating some of these frictions and inducing positive optionality in the housing market to better incentivize fresh housing investment at a much lower cost than many of the alternative plans included in the $700+ billion congressional and administrative plans thus far

Designing and CNC Machine Valve Sub-Plates and Quick Mounts for Hydraulic Power Training Systems

A thesis presented to the faculty of the College of Business and Technology at Morehead State University in partial fulfillment of the requirements for the Degree of Master of Science by Connor Maxam on November 22, 2022

Improving Parametric Mortgage Prepayment Models with Non-parametric Kernel Regression

Developing a good prepayment model is a central task in the valuation of mortgages and mortgage-backed securities but conventional parametric models often have bad out-of-sample predictive ability. A likely explanation is the highly non-linear nature of the prepayment function. Non-parametric techniques are much better at detecting non-linearity and multivariate interaction. This article discusses how non-parametric kernel regression may be applied to loan level event histories to produce a better parametric model. By utilizing a parsimonious specification, a model can be produced that practitioners can use in valuation routines based on Monte Carlo interest rate simulation.

Promoting an Ethic of CARE: UD’s Case Management Services

Colleges and universities are called to meet the changing needs of the modern college student and to reduce barriers to success. Using advocacy and intervention techniques, the Dean of Students Office at the University of Dayton utilizes a case management model, rooted in student development theory, to support students in navigating a complex University environment. The Dean of Students Office uses an individualized approach to assess needs and level of distress and offers resources and services to promote student retention and success. This presentation will provide an overview of case management services and share how it can be implemented at our peer institutions

From Bucktown to Niketown: Doing Visual Cultural Studies (Chicago Style)

We begin this article with an epigrammatic manifesto: Art education should be a political project that engages visual representations, cultural sites, and public spheres through the language of critique, possibility, and production. Art educators should help students understand, critique, and challenge how individuals, institutions, and social practices are inscribed in power differently, to expand the possibilities for freedom, equality, and radical democracy, through relevant and meaningful production. These are the elements and principles of a politically engaged and socially just art education. This is art education as visual cultural studies

Regulation of DNA supercoiling in Escherichia coli: Genetic basis of a compensatory mutation in DNA gyrase

AbstractBacterial DNA supercoiling is controlled by balancing the supercoiling activity of DNA gyrase and the relaxing activity of DNA topoisomerase I. We have characterized the gyrB gene from a topA deletion mutant of Escherichia coli (DM800) that has a compensatory mutation in gyrB, lowering the activity of gyrase 10-fold, and thereby redressing the intracellular level of supercoiling. The mutant gene differs from the wild type in carrying three rather than two direct tandem repeats of a 6 bp sequence encoding Ala-Arg. We suggest this novel mutation affects domain spacing and was generated by an unequal crossing over event, possibly involving gyrase

Clerocidin selectively modifies the gyrase-DNA gate to induce irreversible and reversible DNA damage

Clerocidin (CL), a microbial diterpenoid, reacts with DNA via its epoxide group and stimulates DNA cleavage by type II DNA topoisomerases. The molecular basis of CL action is poorly understood. We establish by genetic means that CL targets DNA gyrase in the gram-positive bacterium Streptococcus pneumoniae, and promotes gyrase-dependent single- and double-stranded DNA cleavage in vitro. CL-stimulated DNA breakage exhibited a strong preference for guanine preceding the scission site (-1 position). Mutagenesis of -1 guanines to A, C or T abrogated CL cleavage at a strong pBR322 site. Surprisingly, for double-strand breaks, scission on one strand consistently involved a modified (piperidine-labile) guanine and was not reversed by heat, salt or EDTA, whereas complementary strand scission occurred at a piperidine-stable -1 nt and was reversed by EDTA. CL did not induce cleavage by a mutant gyrase (GyrA G79A) identified here in CL-resistant pneumococci. Indeed, mutations at G79 and at the neighbouring S81 residue in the GyrA breakage-reunion domain discriminated poisoning by CL from that of antibacterial quinolones. The results suggest a novel mechanism of enzyme inhibition in which the -1 nt at the gyrase-DNA gate exhibit different CL reactivities to produce both irreversible and reversible DNA damage