Barriers to saving

When the poor succeed in building up a few assets, they often find themselves disqualified from badly needed government programs. Confusing rules about IRAs and 401(k)s plus conflicting state regulations make retirement saving particularly challenging.Saving and investment ; Poverty ; Medicaid ; Social security

A study of chiral symmetry in quenched QCD using the Overlap-Dirac operator

We compute fermionic observables relevant to the study of chiral symmetry in quenched QCD using the Overlap-Dirac operator for a wide range of the fermion mass. We use analytical results to disentangle the contribution from exact zero modes and simplify our numerical computations. Details concerning the numerical implementation of the Overlap-Dirac operator are presented.Comment: 24 pages revtex with 5 postscript figures included by eps

Topology and chiral symmetry in finite temperature QCD

We investigate the realization of chiral symmetry in the vicinity of the deconfinement transition in quenched QCD using overlap fermions. Via the index theorem obeyed by the overlap fermions, we gain insight into the behavior of topology at finite temperature. We find small eigenvalues, clearly separated from the bulk of the eigenvalues, and study the properties of their distribution. We compare the distribution with a model of a dilute gas of instantons and anti-instantons and find good agreement.Comment: 3 pages with 3 ps figures; to appear in the proceedings of Lattice '99, Pisa, Italy, June 29 -- July 3, 1999. LATTICE99(topology

A Study of Practical Implementations of the Overlap-Dirac Operator in Four Dimensions

We study three practical implementations of the Overlap-Dirac operator $D_o= (1/2) [1 + \gamma_5\epsilon(H_w)]$ in four dimensions. Two implementations are based on different representations of $\epsilon(H_w)$ as a sum over poles. One of them is a polar decomposition and the other is an optimal fit to a ratio of polynomials. The third one is obtained by representing $\epsilon(H_w)$ using Gegenbauer polynomials and is referred to as the fractional inverse method. After presenting some spectral properties of the Hermitian operator $H_o=\gamma_5 D_o$, we study its spectrum in a smooth SU(2) instanton background with the aim of comparing the three implementations of $D_o$. We also present some results in SU(2) gauge field backgrounds generated at $\beta=2.5$ on an $8^4$ lattice. Chiral properties have been numerically verified.Comment: 23 pages latex with 9 postscript figures included by epsf. Some change in referencing and one figure modifie