Why commercial banks sell loans: an empirical analysis

Bank loans ; Bank assets

Technology In The Classroom

Due to the COVID-19 pandemic, traditionally in-person courses were forced to make the difficult decision to transition to an online format. Thankfully, there have been significant improvements in online technology platforms and programs that advance the virtual learning experience. For example, technologies like Flipgrid, Kahoot, Nearpod, and Zoom are widely available to enhance the learning environment for students and teachers alike. Extant research on online learning has resulted in mixed reviews. For example, Glenn (2018) points out that students who may not normally participate in an in-person learning environment can no longer blend into the back of the classroom, as participation is incredibly important to advance in the e-learning environment. Further, students may feel intimidated when it comes to reaching out to professors when they are not able to meet with them in person. Conversely, and perhaps more positively, Glenn highlights that e-learning, asynchronous options make it possible to complete schooling with a job and family demands. Further, Yamagata-Lynch (2015) found that, in her graduate level online course, that students felt the online environment gave them the chance to be a more active learner and student. Given the ubiquity of online learning and the use of programs and technologies in the classroom, it is essential to understand students’ experiences and perspectives in these digital environments to ensure pedagogical practices align with the needs of learners. As such, we sought to explore students’ experiences with technology in the classroom to advance this area of research. Specifically, we will systematically examine students’ experiences using multiple programs and technologies during a 300-level class. We will use an embedded mixed methods design to obtain survey data on students’ preferences and barriers using Nearpod, Flipgrid, Zoom, and ReggieNet. We will also assess their perceptions of whether these programs or technologies advanced their learning throughout the semester. These technologies will be used synchronously and asynchronously throughout the semester. The class is comprised of 24 (21 female) junior and senior undergraduate students majoring in psychology. The students will receive class credit for completing the surveys. In this ever-changing and unsure time in education, it is crucial we understand how online education aids or hinders students’ learning and for those students to get the chance to reflect on their experiences in real time. This study will contribute to the literature on undergraduate college students’ experiences with technology in the classroom and seeks to inform future pedagogical practicehttps://ir.library.illinoisstate.edu/urs2021psych/1005/thumbnail.jp

When Sixteen ain\u27t So Sweet: Rethinking the Regulation of Adolescent Sexuality

Legally speaking, sexual maturity poses a significant enough liberty interest for a minor to make medical decisions regarding contraceptive medicine or to choose motherhood without parental involvement, but not quite enough for her to obtain an abortion independently. The law incentivizes teenage motherhood by only granting decisional autonomy to those minors who choose to have a child; the minor female\u27s right to procreate vests regardless of her individual maturity. The law discourages teenage abortions by using the choice to terminate a pregnancy to trigger a presumption of immaturity; the minor female\u27s abortion right is pitted against personal autonomy via parental rights. Ultimately, this Article argues that sexually active minors, their children, and their parents all suffer in this reproductive catch-22. This Article contends that the conflict between age of consent laws and minor abortion restrictions is just one illustration of state legislatures\u27 struggles within the greater protecnionist-versus-enablement paradigm. Specifically, this Article argues that laws regulating adolescent sexuality can generally be categorized into one of two types: (1) protectionist, enacting restrictions and protections designed to compensate for minors\u27 categorical immaturity; or (2) enabling, recognizing adult-like capacity and rights in minors as they progress in their overall development. The result of this polarized statutory landscape can only adequately be described as legislative schizophrenia -although devoid of invidious intent, these statutes ultimately hurt minors because they are premised on a flawed paradigm that is unable to coordinate the different political and social goals of state legislatures. This Article argues that by recognizing consensual maturity for intercourse and pregnancy but then rescinding that presumptive maturity only for abortion, states both violate the Constitution and create dangerous public policy. Specifically, states violate legally-consenting minors\u27 substantive due process rights by imposing undue burdens on their abortion access without any legitimate, countervailing immaturity interest. While parental notification and consent laws have been upheld on the grounds of minor immaturity, this Article argues that the recognition of sexual maturity through age of consent laws should also trigger a presumption of maturity for minor abortion rights. This Article further highlights five key policy concerns created by the inconsistent regulation of adolescent sexuality: (1) the encouragement of impulsive adolescent sexual behaviors; (2) the binding of decisional autonomy to pregnancy outcome; (3) the reinforcement of paternalistic gender stereotypes; (4) the punitive, rather than protective, natre of parental involvement and judicial bypass; and (5) the continued hystericization of adolescent sexuality

When Sixteen ain\u27t So Sweet: Rethinking the Regulation of Adolescent Sexuality

Legally speaking, sexual maturity poses a significant enough liberty interest for a minor to make medical decisions regarding contraceptive medicine or to choose motherhood without parental involvement, but not quite enough for her to obtain an abortion independently. The law incentivizes teenage motherhood by only granting decisional autonomy to those minors who choose to have a child; the minor female\u27s right to procreate vests regardless of her individual maturity. The law discourages teenage abortions by using the choice to terminate a pregnancy to trigger a presumption of immaturity; the minor female\u27s abortion right is pitted against personal autonomy via parental rights. Ultimately, this Article argues that sexually active minors, their children, and their parents all suffer in this reproductive catch-22. This Article contends that the conflict between age of consent laws and minor abortion restrictions is just one illustration of state legislatures\u27 struggles within the greater protecnionist-versus-enablement paradigm. Specifically, this Article argues that laws regulating adolescent sexuality can generally be categorized into one of two types: (1) protectionist, enacting restrictions and protections designed to compensate for minors\u27 categorical immaturity; or (2) enabling, recognizing adult-like capacity and rights in minors as they progress in their overall development. The result of this polarized statutory landscape can only adequately be described as legislative schizophrenia -although devoid of invidious intent, these statutes ultimately hurt minors because they are premised on a flawed paradigm that is unable to coordinate the different political and social goals of state legislatures. This Article argues that by recognizing consensual maturity for intercourse and pregnancy but then rescinding that presumptive maturity only for abortion, states both violate the Constitution and create dangerous public policy. Specifically, states violate legally-consenting minors\u27 substantive due process rights by imposing undue burdens on their abortion access without any legitimate, countervailing immaturity interest. While parental notification and consent laws have been upheld on the grounds of minor immaturity, this Article argues that the recognition of sexual maturity through age of consent laws should also trigger a presumption of maturity for minor abortion rights. This Article further highlights five key policy concerns created by the inconsistent regulation of adolescent sexuality: (1) the encouragement of impulsive adolescent sexual behaviors; (2) the binding of decisional autonomy to pregnancy outcome; (3) the reinforcement of paternalistic gender stereotypes; (4) the punitive, rather than protective, natre of parental involvement and judicial bypass; and (5) the continued hystericization of adolescent sexuality

TWO MURDERS AND A CORONATION: CRUSADE, CRISIS, AND THE COUNTS OF FLANDERS, 1071-1204

The medieval counts of Flanders went on crusade with a regularity that was unmatched by the other potentates of Western Europe in the twelfth century. While the comital tradition of crusading has been noted by scholars of the crusades, it has never been carefully studied or explained. This dissertation argues that the tradition of crusading that characterized the medieval counts of Flanders developed as a political and social response to the repeated crises of the eleventh and twelfth centuries. The counts traveled east to Jerusalem in order to solidify and enhance their prestige within the county of Flanders. This tradition began with Robert the Frisian (r. 1071-1093), who made the journey as a pilgrim in 1086 in order to rehabilitate his reputation after a civil war in which he usurped the county by killing his nephew. Robert’s son, Robert II (r. 1093-1111), participated in the First Crusade and was remembered as one of the expedition’s heroes. During and after Robert II’s rule, commemoration of the First Crusade began to create the idea that there was a special connection between the counts of Flanders and crusading. New religious foundations, relics, and books such as Lambert of Saint-Omer’s Liber Floridus each contributed to this idea. This fledgling tradition provided a convenient tool for Thierry of Alsace (r. 1128-1168), who became count in 1128 after a brutal civil war. Thierry consolidated his control over Flanders by going on crusade four times. He also took steps to pass the importance of the comital crusading legacy on to his son, Philip (r. 1168-1191), who went on crusade in part to try to secure his control over Flanders against the incursions of King Philip Augustus of France. The tradition reached its zenith in 1204, when Count Baldwin IX was crowned emperor of Constantinople at the end of the Fourth Crusade. However, in an ironic turn, after going to Jerusalem for more than a century to secure their power in Flanders, the counts lost control of the county almost immediately after their greatest triumph in the East

Gender Differences in the Presentation of Adult Attention-Deficit/Hyperactivity Disorder: Exploring Factors Influencing the Underdiagnosis of ADHD and its Effects on Women

Adult Attention-Deficit/Hyperactivity Disorder (ADHD) is a neurodevelopmental disorder that causes difficulties in maintaining focus, working memory, and executive function. The current literature reveals extensive research on males diagnosed with ADHD whereas fewer studies on females have been performed due, at least in part, to inadequate assessment and/or identification of women who present with subtle gender differences in symptom profile and comorbidity. This thesis reviewed six peer-reviewed primary research articles published between the years 2002 to 2020 that explore the variations in gender differences and the associated comorbidities of adult ADHD. While current literature has identified the differences in gender presentation and how that may affect diagnosis and person wellbeing, much of the research has been conducted on children. There is very little research on interventions that enhance outcomes for adult ADHD women. In this thesis, I introduce a new method of treatment therapies for women with ADHD that focuses on their emotional and functional needs as adults which increases in complexity with age and level of independence. This promising new approach has the potential to dramatically improve identification, treatment, and outcomes for women with ADHD and to further advance the care of psychiatric mental health professionals

Augustana Winter Traditions: Sankta Lucia

The students of History 369: Oral History & Testimonio plan to present five separate posters. These posters will draw on many oral history interviews completed with members of the Augustana Community, past and present, as well as extensive research into the archives held by both the Swenson Center for Swedish Immigration Research and the Augustana College Special Collections. Each research poster will focus on a separate topic related to winter traditions at Augustana College, including (1) Sankta Lucia, (2) Food Traditions (especially Smorgasbords), (3) Musical Traditions (like the Messiah, Lessons & Carols, and Christmas at Augustana), (4) Non-Christmas Traditions (including Kwanza, Hanukkah, and Our Lady of Guadelupe) (5) and the Joy of Christmas Celebration at the Jenny Lind Chapel in Andover