Survey of finance companies, 1996

Finance companies are major suppliers of credit to consumers and businesses. The sector is made up of roughly 1,250 nondepository financial institutions, with 20 firms accounting for three-fourths of the receivables. The Federal Reserve System has been surveying the assets and liabilities of finance companies, typically at five-year intervals, since June 1955. This article summarizes the results of the 1996 survey. Special features of that survey are a breakdown of automobile leases into consumer and business components and, relative to previous surveys, greater detail on the composition of real estate credit and more information on securitized loans and leases.Finance companies

Intrinsic Absorption Lines in Seyfert 1 Galaxies. I. Ultraviolet Spectra from the Hubble Space Telescope

We present a study of the intrinsic absorption lines in the ultraviolet spectra of Seyfert 1 galaxies. We find that the fraction of Seyfert 1 galaxies that show absorption associated with their active nuclei is more than one-half (10/17), which is much higher than previous estimates (3 - 10%) . There is a one-to-one correspondence between Seyferts that show intrinsic UV absorption and X-ray ``warm absorbers''. The intrinsic UV absorption is generally characterized by high ionization: C IV and N V are seen in all 10 Seyferts with detected absorption (in addition to Ly-alpha), whereas Si IV is present in only four of these Seyferts, and Mg II absorption is only detected in NGC 4151. The absorption lines are blueshifted (or in a few cases at rest) with respect to the narrow emission lines, indicating that the absorbing gas is undergoing net radial outflow. At high resolution, the absorption often splits into distinct kinematic components that show a wide range in widths (20 - 400 km/s FWHM), indicating macroscopic motions (e.g., radial velocity subcomponents or turbulence) within a component. The strong absorption components have cores that are much deeper than the continuum flux levels, indicating that the regions responsible for these components lie completely outside of the broad emission-line regions. The covering factor of the absorbing gas in the line of sight, relative to the total underlying emission, is C > 0.86, on average. The global covering factor, which is the fraction of emission intercepted by the absorber averaged over all lines of sight, is C > 0.5.Comment: 56 pages, Latex, includes 4 figures (encapsulated postscript), Fig. 1 has 2 parts and Fig. 2 has 3 parts, to appear in the Astrophysical Journa

Large-Amplitude X-ray Outbursts from Galactic Nuclei: A Systematic Survey Using ROSAT Archival Data

In recent years, luminous X-ray outbursts with variability amplitudes as high as ~ 400 have been serendipitously detected from a small number of active and inactive galaxies. These outbursts may result from the tidal disruptions of stars by supermassive black holes as well as accretion-disk instabilities. In order to place the first reliable constraints on the rate of such outbursts in the Universe and test the stellar tidal disruption hypothesis, we have performed a systematic and complete survey for them by cross-correlating ROSAT All-Sky Survey (RASS) and pointed PSPC data. We have detected five galaxies that were in outburst during the RASS, three of which show no signs of nuclear activity; these objects had been reported on individually in previous studies. After making reasonable corrections for the complicated selection effects, we conclude that the rate of large-amplitude X-ray outbursts from inactive galaxies in the local Universe is ~ 9.1 x 10^{-6} galaxy^{-1} yr^{-1}. This rate is consistent with the predicted rate of stellar tidal disruption events in such galaxies. When only the two active galaxies are considered, we find a rate for active galaxies of ~ 8.5 x 10^{-4} galaxy^{-1} yr^{-1}. In order to place tighter constraints on these rates, additional outbursts must be detected.Comment: 31 pages, AJ, in pres

The Swift X-ray flaring afterglow of GRB 050607

The unique capability of the Swift satellite to perform a prompt and autonomous slew to a newly detected Gamma-Ray Burst (GRB) has yielded the discovery of interesting new properties of GRB X-ray afterglows, such as the steep early lightcurve decay and the frequent presence of flares detected up to a few hours after the GRB trigger. We present observations of GRB 050607, the fourth case of a GRB discovered by Swift with flares superimposed on the overall fading X-ray afterglow. The flares of GRB 050607 were not symmetric as in previously reported cases, showing a very steep rise and a shallower decay, similar to the Fast Rise, Exponential Decay that are frequently observed in the gamma-ray prompt emission. The brighter flare had a flux increase by a factor of approximately 25,peaking for 30 seconds at a count rate of approximately 30 counts s-1, and it presented hints of addition short time scale activity during the decay phase. There is evidence of spectral evolution during the flares. In particular, at the onset of the flares the observed emission was harder, with a gradual softening as each flare decayed. The very short time scale and the spectral variability during the flaring activity are indicators of possible extended periods of energy emission by the GRB central engine. The flares were followed by a phase of shallow decay, during which the forward shock was being refreshed by a long-lived central engine or by shells of lower Lorentz factors, and by a steepening after approximately 12 ks to a decay slope considered typical of X-ray afterglows.Comment: 23 pages, 5 figures, Accepted by the Astrophysical Journa

Bovine pericardium based non-cross linked collagen matrix for successful root coverage, a clinical study in human

Introduction: The aim of this study was to clinically assess the capacity of a novel bovine pericardium based, non-cross linked collagen matrix in root coverage. Methods: 62 gingival recessions of Miller class I or II were treated. The matrix was adapted underneath a coronal repositioned split thickness flap. Clinical values were assessed at baseline and after six months. Results: The mean recession in each patient was 2.2 mm at baseline. 6 Months after surgery 86.7% of the exposed root surfaces were covered. On average 0,3 mm of recession remained. The clinical attachment level changed from 3.5 ± 1.3 mm to 1,8 ( ± 0,7) mm during the observational time period. No statistically significant difference was found in the difference of probing depth. An increase in the width of gingiva was significant. With a baseline value of 1.5 ± 0.9 mm an improvement of 2.4 ± 0.8 mm after six month could be observed. 40 out of 62 recessions were considered a thin biotype at baseline. After 6 months all 62 sites were assessed thick. Conclusions: The results demonstrate the capacity of the bovine pericardium based non-cross linked collagen matrix for successful root coverage. This material was able to enhance gingival thickness and the width of keratinized gingiva. The percentage of root coverage achieved thereby is comparable to existing techniques. This method might contribute to an increase of patient's comfort and an enhanced aesthetical outcome

The Cosmic Infrared Background: Measurements and Implications

The cosmic infrared background records much of the radiant energy released by processes of structure formation that have occurred since the decoupling of matter and radiation following the Big Bang. In the past few years, data from the Cosmic Background Explorer mission provided the first measurements of this background, with additional constraints coming from studies of the attenuation of TeV gamma-rays. At the same time there has been rapid progress in resolving a significant fraction of this background with the deep galaxy counts at infrared wavelengths from the Infrared Space Observatory instruments and at submillimeter wavelengths from the Submillimeter Common User Bolometer Array instrument. This article reviews the measurements of the infrared background and sources contributing to it, and discusses the implications for past and present cosmic processes.Comment: 61 pages, incl. 9 figures, to be published in Annual Reviews of Astronomy and Astrophysics, 2001, Vol. 3

UV/Optical disk reverberation lags despite a faint X-ray corona in the AGN Mrk 335

We present the first results from a 100-day Swift, NICER and ground-based X-ray/UV/optical reverberation mapping campaign of the Narrow-Line Seyfert 1 Mrk 335, when it was in an unprecedented low X-ray flux state. Despite dramatic suppression of the X-ray variability, we still observe UV/optical lags as expected from disk reverberation. Moreover, the UV/optical lags are consistent with archival observations when the X-ray luminosity was >10 times higher. Interestingly, both low- and high-flux states reveal UV/optical lags that are 6-11 times longer than expected from a thin disk. These long lags are often interpreted as due to contamination from the broad line region, however the u band excess lag (containing the Balmer jump from the diffuse continuum) is less prevalent than in other AGN. The Swift campaign showed a low X-ray-to-optical correlation (similar to previous campaigns), but NICER and ground-based monitoring continued for another two weeks, during which the optical rose to the highest level of the campaign, followed ~10 days later by a sharp rise in X-rays. While the low X-ray countrate and relatively large systematic uncertainties in the NICER background make this measurement challenging, if the optical does lead X-rays in this flare, this indicates a departure from the zeroth-order reprocessing picture. If the optical flare is due to an increase in mass accretion rate, this occurs on much shorter than the viscous timescale. Alternatively, the optical could be responding to an intrinsic rise in X-rays that is initially hidden from our line-of-sight.Comment: Accepted for publication in the Astrophysical Journal. 15 pages, 8 figures, 3 table

Intolerance of uncertainty predicts fear extinction in amygdala-ventromedial prefrontal cortical circuitry

Background: Coordination of activity between the amygdala and ventromedial prefrontal cortex (vmPFC) is important for fear-extinction learning. Aberrant recruitment of this circuitry is associated with anxiety disorders. Here, we sought to determine if individual differences in future threat uncertainty sensitivity, a potential risk factor for anxiety disorders, underly compromised recruitment of fear extinction circuitry. Twenty-two healthy subjects completed a cued fear conditioning task with acquisition and extinction phases. During the task, pupil dilation, skin conductance response, and functional magnetic resonance imaging were acquired. We assessed the temporality of fear extinction learning by splitting the extinction phase into early and late extinction. Threat uncertainty sensitivity was measured using self-reported intolerance of uncertainty (IU). Results: During early extinction learning, we found low IU scores to be associated with larger skin conductance responses and right amygdala activity to learned threat vs. safety cues, whereas high IU scores were associated with no skin conductance discrimination and greater activity within the right amygdala to previously learned safety cues. In late extinction learning, low IU scores were associated with successful inhibition of previously learned threat, reflected in comparable skin conductance response and right amgydala activity to learned threat vs. safety cues, whilst high IU scores were associated with continued fear expression to learned threat, indexed by larger skin conductance and amygdala activity to threat vs. safety cues. In addition, high IU scores were associated with greater vmPFC activity to threat vs. safety cues in late extinction. Similar patterns of IU and extinction learning were found for pupil dilation. The results were specific for IU and did not generalize to self-reported trait anxiety. Conclusions: Overall, the neural and psychophysiological patterns observed here suggest high IU individuals to disproportionately generalize threat during times of uncertainty, which subsequently compromises fear extinction learning. More broadly, these findings highlight the potential of intolerance of uncertainty-based mechanisms to help understand pathological fear in anxiety disorders and inform potential treatment targets

Continuum Reverberation Mapping of the Accretion Disks in Two Seyfert 1 Galaxies

We present optical continuum lags for two Seyfert 1 galaxies, MCG+08-11-011 and NGC 2617, using monitoring data from a reverberation mapping campaign carried out in 2014. Our light curves span the ugriz filters over four months, with median cadences of 1.0 and 0.6 days for MCG+08-11-011 and NGC 2617, respectively, combined with roughly daily X-ray and near-UV data from Swift for NGC 2617. We find lags consistent with geometrically thin accretion-disk models that predict a lag-wavelength relation of τ ∝ λ 4/3. However, the observed lags are larger than predictions based on standard thin-disk theory by factors of 3.3 for MCG+08-11-011 and 2.3 for NGC 2617. These differences can be explained if the mass accretion rates are larger than inferred from the optical luminosity by a factor of 4.3 in MCG+08-11-011 and a factor of 1.3 in NGC 2617, although uncertainty in the SMBH masses determines the significance of this result. While the X-ray variability in NGC 2617 precedes the UV/optical variability, the long (2.6 day) lag is problematic for coronal reprocessing models