Feasibility of observer system for determining orientation of balloon borne observational platforms

An observer model for predicting the orientation of balloon borne research platforms was developed. The model was employed in conjunction with data from the LACATE mission in order to determine the platform orientation as a function of time

How Do Predatory Lending Laws Influence Mortgage Lending in Urban Areas? A Tale of Two Cities

This paper examines the effects of predatory lending laws in the cities of Chicago and Philadelphia. The level of mortgage activity in each of the cities is compared during the pre- and post-legislative periods relative to other parts of the state to assess the impact of localized legislation. In Chicago, where the predatory lending law focused on banks, a subprime origination in the city was found to be more likely to be made by a nonbank after the passage of the law. In Philadelphia, however, where the predatory legislation was aimed at all financial service providers, a decline was observed in the likelihood of a subprime loan being originated in the city during the post-legislation period, with the minority and low-income market segments experiencing the largest reduction.

Student Perceptions and Learning Outcomes: Evidence from the Education Testing Service (ETS) Major Field Test in Business

We examine course evaluation data from the core finance course and analyze how these data relate to performance on the finance portion of the Educational Testing Service Major Field Test in Business (ETS). We find that gender, SAT scores, GPA and concentration all have significant impacts on student performance. We also find that student perceptions of teaching and of how much knowledge they gained do not relate to the finance ETS score. Finally, we find that students who feel challenged in their finance core course do significantly better on the finance portion of the exam. This result is robust to different data partitions

Effect of wind gusts on the motion of a balloon-borne observation platform

The effect of wind gusts on the magnitude of the pendulation angles of a balloon-borne observation platform is determined. A system mathematical model is developed and the solution of this model is used to determine the magnitude of the observation platforms pendulation angles

The Influence of Bureau Scores, Customized Scores and Judgmental Review on the Bank Underwriting Decision-Making Process

In recent years commercial banks have moved toward automated forms of underwriting. This study employs unique bank loan-level data from a scoring lender to determine whether automated underwriting exhibits a potential ‘‘disparate impact’’ across income strata. The findings indicate that strict application of this custom scoring model leads to higher denial rates for low- to moderate-income borrowers when compared with both a naý¨ve judgmental system and a bureau scoring approach. These results suggest that financial regulators should focus more resources on the evaluation and study of customized scoring models.

Enhanced tunneling conductivity induced by gelation of attractive colloids

We show that the formation of a gel by conducting colloidal particles leads to a dramatic enhancement in bulk conductivity, due to inter-particle electron tunneling, combining predictions from molecular dynamics simulations with structural measurements in an experimental colloid system. Our results show how colloidal gelation can be used as a general route to huge enhancements of conductivity, and suggest a feasible way for developing cheap materials with novel properties and low metal content.Comment: 8 pages, 8 figures, 2 table

Resonant Characteristics of Rectangular Microcantilevers Vibrating Torsionally in Viscous Liquid Media

The resonant characteristics of rectangular microcantilevers vibrating in the torsional mode in viscous liquid media are investigated. The hydrodynamic load (torque per unit length) on the vibrating beam due to the liquid was first determined using a finite element model. An analytical expression of the hydrodynamic function in terms of the Reynolds number and aspect ratio, h/b (with thickness, h, and width, b) was then obtained by fitting the numerical results. This allowed for the resonance frequency and quality factor to be investigated as functions of both beam geometry and medium properties. Moreover, the effects of the aspect ratio on the cross-section\u27s torsional constant, K, which affects the microcantilever\u27s torsional stiffness, and on its polar moment of inertia, Jp, which is associated with the beam\u27s rotational inertia, are also considered when obtaining the resonance frequency and quality factor. Compared with microcantilevers under out-of-plane (transverse) flexural vibration, the results show that microcantilevers that vibrate in their 1st torsional or 1st in-plane (lateral) flexural resonant modes have higher resonance frequency and quality factor. The increase in resonance frequency and quality factor results in higher mass sensitivity and reduced frequency noise, respectively. The improvement in the sensitivity and quality factor are expected to yield much lower limits of detection in liquid-phase chemical sensing applications

Resonant Characteristics of Rectangular Hammerhead Microcantilevers Vibrating Laterally in Viscous Liquid Media

The resonant characteristics of laterally vibrating rectangular hammerhead microcantilevers in viscous liquid media are investigated. The rectangular hammerhead microcantilever is modeled as an Euler-Bernoulli beam (stem) and a rigid body (head). A modified semi-analytical expression for the hydrodynamic function in terms of the Reynolds number, Re, and aspect ratio, h/b, is proposed to rapidly evaluate the sensing characteristics. Using this expression, the resonance frequency, quality factor and normalized surface mass sensitivity are investigated as a function of the dimensions of the microcantilever and liquid properties. Guidelines for design of hammerhead microcantilever geometry are proposed to achieve efficient sensing platforms for liquid-phase operation. The improvement in the sensing area and characteristics are expected to yield higher sensitivity of detection and improved signal-to-noise ratio in liquid-phase chemical sensing applications

Analytical Modeling of a Novel High-\u3cem\u3eQ\u3c/em\u3e Disk Resonator for Liquid-Phase Applications

To overcome the detrimental effects of liquid environments on microelectromechanical systems resonator performance, the in-fluid vibration of a novel disk resonator supported by two electrothermally driven legs is investigated through analytical modeling and the effects of the system’s geometric/material parameters on the dynamic response are explored. The all-shear interaction device (ASID) is based on engaging the surrounding fluid primarily through shearing action. The theory comprises a continuous-system, multimodal model, and a single-degree-of-freedom model, the latter yielding simple formulas for the fundamental-mode resonant characteristics that often furnish excellent estimates to the results based on the more general model. Comparisons between theoretical predictions and previously published liquid-phase quality factor (Q) data (silicon devices in heptane) show that the theoretical results capture the observed trends and also give very good quantitative estimates, particularly for the highest Q devices. Moreover, the highest Q value measured in the earlier study (304) corresponded to a specimen whose disk radius-to-thickness ratio was 2.5, a value that compares well with the optimal value of 2.3 predicted by the present model. The insight furnished by the proposed theory is expected to lead to further improvements in ASID design to achieve unprecedented levels of performance for a wide variety of liquid-phase resonator applications