Small business lending and bank consolidation: is there cause for concern?

Small banks are a major source of credit for small businesses. As banking consolidation continues, will a resulting decline in the presence of small banks adversely affect the availability of that credit?Bank loans ; Bank mergers ; Small business

SYSTEMATIC AND UNSYSTEMATIC RISK OF RATES OF RETURN ASSOCIATED WITH SELECTED FOREST PRODUCTS COMPANIES

Resource /Energy Economics and Policy, Risk and Uncertainty,

Flight experience with lightweight, low-power miniaturized instrumentation systems

Engineers at the NASA Dryden Flight Research Facility (NASA-Dryden) have conducted two flight research programs with lightweight, low-power miniaturized instrumentation systems built around commercial data loggers. One program quantified the performance of a radio-controlled model airplane. The other program was a laminar boundary-layer transition experiment on a manned sailplane. NASA-Dryden personnel's flight experience with the miniaturized instrumentation systems used on these two programs is reported. The data loggers, the sensors, and the hardware and software developed to complete the systems are described. How the systems were used is described and the challenges encountered to make them work are covered. Examples of raw data and derived results are shown as well. Finally, future plans for these systems are discussed. For some flight research applications where miniaturized instrumentation is a requirement, the authors conclude that commercially available data loggers and sensors are viable alternatives. In fact, the data loggers and sensors make it possible to gather research-quality data in a timely and cost-effective manner

Convective heat transfer measurements from a NACA 0012 airfoil in flight and in the NASA Lewis Icing Research Tunnel

Local heat transfer coefficients were measured on a smooth and roughened NACA 0012 airfoil. Heat transfer measurements on the 0.533 m chord airfoil were made both in flight on the NASA Lewis Twin Otter Icing Research Aircraft and in the NASA Lewis Icing Research Tunnel (IRT). Roughness was obtained by the attachment of uniform 2 mm diameter hemispheres to the airfoil surface in 4 distinct patterns. Flight data were taken for the smooth and roughened airfoil at various Reynolds numbers based on chord in the range 1.24 to 2.50 x 10(exp 6) and at various angles of attack up to 4 deg. During these flight tests, the free stream velocity turbulence intensity was found to be very low (less than 0.1 percent). Wind tunnel data were acquired in the Reynolds number range 1.20 to 4.25 x 10(exp 6) and at angles of attack from -4 to 8 deg. The turbulence intensity in the IRT was 0.5 to 0.7 percent with the cloud generating sprays off. A direct comparison was made between the results obtained in flight and in the IRT. The higher level of turbulence in the IRT vs. flight had little effect on the heat transfer for the lower Reynolds numbers but caused a moderate increase in heat transfer at the high Reynolds numbers. Roughness generally increased the heat transfer

The interplay between X-ray photoevaporation and planet formation

We assess the potential of planet formation instigating the early formation of a photoevaporation driven gap, up to radii larger than typical for photoevaporation alone. For our investigation we make use of hydrodynamics models of photoevaporating discs with a giant planet embedded. We find that, by reducing the mass accretion flow onto the star, discs that form giant planets will be dispersed at earlier times than discs without planets by X-ray photoevaporation. By clearing the portion of the disc inner of the planet orbital radius, planet formation induced photoevaporation (PIPE) is able to produce transition disc that for a given mass accretion rate have larger holes when compared to standard X-ray photoevaporation. This constitutes a possible route for the formation of the observed class of accreting transition discs with large holes, which are otherwise difficult to explain by planet formation or photoevaporation alone. Moreover, assuming that a planet is able to filter dust completely, PIPE produces a transition disc with a large hole and may provide a mechanism to quickly shut down accretion. This process appears to be too slow however to explain the observed desert in the population of transition disc with large holes and low mass accretion rates.Comment: 11 pages, 10 figures, accepted by MNRAS on 31/12/201

Psychological Approaches

This article addresses the following question: Under what conditions, in what ways, and to what degree should various strands of theorizing at the international level — structural realism, institutionalism, constructivism — incorporate various categories of psychological theory? The article samples the diverse ways in which such interweaving of levels of analysis has either already begun or could be readily initiated given recent empirical and theoretical developments. The most promising candidates for conceptual integration are organized into four broad categories which identify: the appropriate boundary conditions for the applicability of clashing hypotheses within the structural-realist tradition; the factors that facilitate and impede the creation of international institutions and norm enforcement mechanisms within the institutionalist tradition; the factors that determine whether policy-makers and epistemic communities frame issues in terms of the logic of consequential action or the logic of obligatory action within the constructivist tradition; and the price that international relations theorists pay for placing a hedgehog-style premium on theoretical parsimony and the value of adopting a more flexible, foxlike, contextualist style in future theory-building exercises

Knowledge, Consciousness, and Language: Some Possible Sources of Discourse Phenomena

Paper by Philip W. Davis and James E. Copelan

A Content Analysis of AIAA/ITEA/ITEEA Conference Special Interest Sessions: 1978-2014

Associations routinely hold annual conferences to aid with professional development and actively promote the ideals of their membership and the profession they represent. The American Industrial Arts Association (AIAA) was created in 1939 and has held an annual conference the past 76 years to further these goals (Starkweather, 1995). Throughout this period, the profession has gone through significant changes that include a paradigm shift from a focus on the products and processes of industry to a broader focus on technological literacy. The AIAA reflected this shift by changing the association name to the International Technology Education Association (ITEA) in 1985. More recently, the association adapted to the increasing focus on engineering education and changed its name again in 2010 to the International Technology and Engineering Educators Association (ITEEA). The ITEEA conference has run consistently throughout this period and remains a cornerstone professional event. This article presents a content analysis of the ITEEA conference special interest sessions (N = 5,639) that took place between 1978-2014. The analysis is intended to highlight, among other topics, conference history, trends and issues, leadership, scholarly research, curriculum, and instructional methods

Application Program Interface for the Orion Aerodynamics Database

The Application Programming Interface (API) for the Crew Exploration Vehicle (CEV) Aerodynamic Database has been developed to provide the developers of software an easily implemented, fully self-contained method of accessing the CEV Aerodynamic Database for use in their analysis and simulation tools. The API is programmed in C and provides a series of functions to interact with the database, such as initialization, selecting various options, and calculating the aerodynamic data. No special functions (file read/write, table lookup) are required on the host system other than those included with a standard ANSI C installation. It reads one or more files of aero data tables. Previous releases of aerodynamic databases for space vehicles have only included data tables and a document of the algorithm and equations to combine them for the total aerodynamic forces and moments. This process required each software tool to have a unique implementation of the database code. Errors or omissions in the documentation, or errors in the implementation, led to a lengthy and burdensome process of having to debug each instance of the code. Additionally, input file formats differ for each space vehicle simulation tool, requiring the aero database tables to be reformatted to meet the tool s input file structure requirements. Finally, the capabilities for built-in table lookup routines vary for each simulation tool. Implementation of a new database may require an update to and verification of the table lookup routines. This may be required if the number of dimensions of a data table exceeds the capability of the simulation tools built-in lookup routines. A single software solution was created to provide an aerodynamics software model that could be integrated into other simulation and analysis tools. The highly complex Orion aerodynamics model can then be quickly included in a wide variety of tools. The API code is written in ANSI C for ease of portability to a wide variety of systems. The input data files are in standard formatted ASCII, also for improved portability. The API contains its own implementation of multidimensional table reading and lookup routines. The same aerodynamics input file can be used without modification on all implementations. The turnaround time from aerodynamics model release to a working implementation is significantly reduce