Banks and Banking- Housing and Home Finance - Scope of Insurance Coverage of Banks Under National Housing Act

Borrower executed a promissory note to dealer payee, who assigned it to defendant bank. After default by borrower, plaintiff United States paid to defendant the unpaid balance in accordance with the terms of their insurance contract under Title I of the National Housing Act. The note was then transferred to plaintiff for collection. In an action by the United States against the borrower for the amount due, it was held that the note could not be enforced because of fraudulent misrepresentation by the dealer in acquiring the note, of which the insured bank and transferee government had constructive knowledge. Plaintiff then commenced the present action against the bank to recover the money paid under the insurance contract, alleging breach of warranty that the note qualified for insurance. On appeal from a judgment for plaintiff, held, affirmed. A note which is unenforceable against the borrower is not eligible for insurance when its invalidity results from fraudulent acts by a dealer who is authorized by the lending institution to obtain the note. Citizens National Trust and Savings Bank of Los Angeles v. United States, (9th Cir. 1959) 270 F. (2d) 128

Building and Testing a Portable VLF Receiver

Unwanted emissions or signal noise is a major problem for VLF radio receivers. These can occur from man made sources such as power line hum, which can be prevalent for many harmonics after the fundamental 50 or 60 Hz AC source or from VLF radio transmissions such as LORAN, used for navigation and communications. Natural emissions can also be detrimental to the quality of recordings as some of the more interesting natural emissions such as whistlers or auroral chorus may be drowned out by the more common sferic emissions. VLF receivers must selectively filter out unwanted emissions and amplify the filtered signal to a record-able level without degrading the quality

Birds of Sarcpa Lake, Melville Peninsula, Northwest Territories: Breeding Phenologies, Densities and Biogeography

Forty species of birds were observed during field studies at Sarcpa Lake, Melville Peninsula, N.W.T. during the summers of 1981 and 1982. Evidence of breeding was found for 22 species and the first definite breeding records for the Melville Peninsula were obtained for Glaucous Gull, Pectoral Sandpiper and Semipalmated Sandpiper and Semipalmated Sandpiper. A hybrid pair of gulls (Glaucous x Herring Gull) also nested and this appears to be the first definite North American record of such a hybrid nesting. Fourteen additional breeding species expected to be present, based on maps in Godfrey (1966), were not found. Average breeding bird density (35 pr/sq km) was comparable to that on Bylot Island, but considerably higher than that measured at other High Arctic sites. Neither average breeding bird densities nor phenologies changed appreciably from year to year despite a late spring melt in 1982. In both years birds began their breeding activities as soon as suitable nesting and feeding habitat became available. A biogeographic analysis based on the occurrence of breeding birds at 25 other sites across the Canadian Arctic indicates that the avifauna at Sarcpa Lake is more similar to those of High Arctic island sites than to those of mainland sites, but includes none of the species whose ranges are mainly within the Arctic Archipelago.Key words: arctic biogeography, birds, phenology, nesting density, Melville Peninsula, multivariate analysisMots clés: biogéographie arctique, oiseaux, phénologie, densité des nids, presqu'île Mclville, analyse à plusieurs variante

Recent Decisions

Comments on recent decisions by Wilmer A. McLaughlin, Robert C. Enburg, Robert A. Layden, Lenton G. Sculthorp, Joseph T. Helling, John L. Globensky, Maurice J. Moriarty, Robert J. Affeldt, Louis J. Mustico, Donald John Tufts, Sidney Baker, and Edward J. VanTassel

Nucleotide Sequence of the Streptococcin A-FF22 Lantibiotic Regulon: Model for Production of the Lantibiotic SA-FF22 by Strains of Streptococcus pyogenes

Streptococcin A-FF22 (SA-FF22) is a type AII linear lantibiotic produced by Streptococcus pyogenes strain FF22. Sequence analysis of an approximate 10 kb region of DNA showed it to contain nine open reading frames arranged in three operons responsible for regulation, biosynthesis and immunity of SA-FF22. This region is organized similarly to the Lactococcus lactis lacticin 481 region, however, unlike lacticin 481, a two-component regulatory system is essential for SA-FF22 production. located immediately downstream of the scn region is a putative transposase gene, the presence of which supports earlier data that indicated a mobile nature to this region. (©) 1999 Published by Elsevier Science B.V. All rights reserved

Markerless Escherichia coli rrn Deletion Strains for Genetic Determination of Ribosomal Binding Sites

Single-copy rrn strains facilitate genetic ribosomal studies in Escherichia coli. Consecutive markerless deletion of rrn operons resulted in slower growth upon inactivation of the fourth copy, which was reversed by supplying transfer RNA genes encoded in rrn operons in trans. Removal of the sixth, penultimate rrn copy led to a reduced growth rate due to limited rrn gene dosage. Whole-genome sequencing of variants of single-copy rrn strains revealed duplications of large stretches of genomic DNA. The combination of selective pressure, resulting from the decreased growth rate, and the six identical remaining scar sequences, facilitating homologous recombination events, presumably leads to elevated genomic instability

What is a fish? The life and legend of David L.G. Noakes

David Lloyd George Noakes (1942–2020) is best known for his insatiable curiosity, his quick wit and dry sense of humor, his scientific contributions to the field of animal behaviour, and his ability to form and maintain long-lasting connections. His research interests were vast but remained grounded in early life history, behaviour, social behaviour, the evolution of behaviour, behavioural genetics, and evolutionary ecology. David had a remarkable ability to establish and maintain strong connections within the international academic community. David was also internationally recognized for his numerous contributions as a scientific editor, promoting accessibility to the international community that he served. We memorialize David’s legacy in this tribute article, ensuring that his accomplishments and the momentous impact he had on the scientific community are not soon forgotten

The National Childrens Study: An Introduction and Historical Overview

The National Children’s Study (NCS) was an ambitious attempt to map children’s health and development in a large representative group of children in the United States. In this introduction, we briefly review the background of the NCS and the history of the multiple strategies that were tested to recruit women and children. Subsequent articles then detail the protocols and outcomes of 4 of the recruitment strategies. It is hoped that lessons learned from these attempts to define a study protocol that could achieve the initial aims of the NCS will inform future efforts to conceptualize and execute strategies to provide generalizable insights on the longitudinal health of our nation’s children

Optical coherence tomography in the assessment of acute changes in cutaneous vascular diameter induced by heat stress.

There are limited imaging technologies available that can accurately assess or provide surrogate markers of the in vivo cutaneous microvessel network in humans. In this study, we establish the use of optical coherence tomography (OCT) as a novel imaging technique to assess acute changes in cutaneous microvessel area density and diameter in humans. OCT speckle decorrelation images of the skin on the ventral side of the forearm up to a depth of 500 μm were obtained prior to and following 20-25 mins of lower limb heating in eight healthy males (30.3±7.6 yrs). Skin red blood cell flux was also collected using laser Doppler flowmetry probes immediately adjacent to the OCT skin sites, along with skin temperature. OCT speckle decorrelation images were obtained at both baseline and heating time points. Forearm skin flux increased significantly (0.20±0.15 to 1.75±0.38 CVC, P<0.01), along with forearm skin temperature (32.0±1.2 to 34.3±1.0°C, P<0.01). Quantitative differences in the automated calculation of vascular area densities (26±9 to 49±19%, P<0.01) and individual microvessel diameters (68±17 to 105±25 μm, P<0.01) were evident following the heating session. This is the first in vivo within-subject assessment of acute changes in the cutaneous microvasculature in response to heating in humans and highlights the use of OCT as an exciting new imaging approach for skin physiology and clinical research