The preparation, identification and properties of chlorophyll derivatives

In the investigation of 10-hydroxy chlorophylls a and b novel techniques included modification of chromatography and the use of fully-deuterated compounds isolated from fully-deuterated autotropic algae to determine the molecular structure of the chlorophylls

State and Local Anti-Predatory Lending Laws: The Effect of Legal Enforcement Mechanisms

Subprime mortgage lending has grown rapidly in recent years and with it, so have concerns about predatory lending. In response to evidence of predatory lending, most states have enacted new laws or expanded existing laws to address abuses in the subprime home loan market. The effect of these statutes is a matter of debate. This paper seeks to improve the understanding of this increasingly important issue and pays particular attention to the role that legal enforcement mechanisms play in this context. The results of the analysis are consistent with the view that anti-predatory lending laws influence subprime lending markets and that disaggregating the details of the overall legal framework into its component parts is essential for understanding subprime market dynamics. The restrictions, coverage, and enforcement components all have significant relationships with subprime market outcomes, with the coverage relationship found to be broadly consistent with the reverse lemons hypothesis put forward by Ho and Pennington-Cross (2007). The results also suggest that the newer mini-HOEPA laws have had an impact on the subprime market above and beyond the older preexisting laws, particularly for subprime originations. Broader coverage through these new laws is associated with higher origination likelihoods, while increased restrictions through the mini-HOEPA laws are associated with lower origination propensities

The Impact of State Anti-Predatory Lending Laws: Policy Implications and Insights

The subprime mortgage market, which consists of high-cost loans designed for borrowers with weak credit, has grown tremendously over the past ten years. Between 1993 and 2005, the subprime market experienced an average annual growth rate of 26 percent. As this market emerged, so did allegations that subprime loans contained predatory features or were the result of predatory sales practices.3 In the worst cases, brokers deceived borrowers about the meaning of loan terms or falsely promised to assist them in obtaining future refinance loans with better terms. In other situations, borrowers entered into loans with low teaser rates, not aware how high their monthly payments could go when their interest rates reset

Molecular orientational dynamics of the endohedral fullerene Sc3_{3}N@C80_{80} as probed by 13^{13}C and 45^{45}Sc NMR

We measure 13C and 45Sc NMR lineshapes and spin-lattice relaxation times (T1) to probe the orientational dynamics of the endohedral metallofullerene Sc3N@C80. The measurements show an activated behavior for molecular reorientations over the full temperature range with a similar behavior for the temperature dependence of the 13C and 45Sc data. Combined with spectral data from Magic Angle Spinning (MAS) NMR, the measurements can be interpreted to mean the motion of the encapsulated Sc3N molecule is independent of that of the C80 cage, although this requires the similar temperature dependence of the 13C and 45Sc spin-lattice relaxation times to be coincidental. For the Sc3N to be fixed to the C80 cage, one must overcome the symmetry breaking effect this has on the Sc3N@C80 system since this would result in more than the observed two 13C lines.Comment: 6 pages, 5 figure

Temperature Dependence of the Cu(2) NQR Line Width in YBa2_2Cu3_3O7−y_{7-y}

Systematic measurements of the $^{63}$Cu(2) NQR line width were performed in underdoped YBa$_2$Cu$_3$O$_{7-y}$ samples over the temperature range 4.2 K $<T<300$ K. It was shown that the copper NQR line width monotonically increases upon lowering temperature in the below-critical region, resembling temperature behavior of the superconducting gap. The observed dependence is explained by the fact that the energy of a condensate of sliding charge-current states of the charge-density-wave type depends on the phase of order parameter. Calculations show that this dependence appears only at $T<T_c$. Quantitative estimates of the line broadening at $T<T_c$ agree with the measurement results.Comment: 4 pages, 2 figure

String Theory and Water Waves

We uncover a remarkable role that an infinite hierarchy of non-linear differential equations plays in organizing and connecting certain {hat c}<1 string theories non-perturbatively. We are able to embed the type 0A and 0B (A,A) minimal string theories into this single framework. The string theories arise as special limits of a rich system of equations underpinned by an integrable system known as the dispersive water wave hierarchy. We observe that there are several other string-like limits of the system, and conjecture that some of them are type IIA and IIB (A,D) minimal string backgrounds. We explain how these and several string-like special points arise and are connected. In some cases, the framework endows the theories with a non-perturbative definition for the first time. Notably, we discover that the Painleve IV equation plays a key role in organizing the string theory physics, joining its siblings, Painleve I and II, whose roles have previously been identified in this minimal string context.Comment: 49 pages, 4 figure

Trial of “Cliff and shore erosion under accelerating sea level rise: user guide”

This report describes perceived strengths and challenges encountered with the trial of the User Guide [1], explaining how new indicators of cliff toe sensitivity to sea level rise may be used to conservatively estimate cliff retreat at suitable sites along the coastlines of England and Wales. The authors of the User Guide approached the British Geological Survey (BGS) to test the guide and invited BGS to present their experience during a technical workshop during which feedback from a broader spectrum of peers and end-users was sought. This document summarises the testing process and outcomes. The first part of the report introduces the project, the context and the approach followed. In the results section we have described, for each one of the 53 locations included in this study, the results of applying the User Guide including the description of the auxiliary data used and any pre- and post-processing done. We have used FutureCoast and Coastal Explorer as the primary sources of data. In the discussion section we summarise the lessons learned from applying the User Guide to all sites. We conclude this report with a series of recommendations that should help to maximize the strengths and alleviate some of the challenges identified. In Appendix 4 we include the slides that were used to summarise the results and main conclusions of this report to the broader technical community