Sceloporus magister

Number of Pages: 4Integrative BiologyGeological Science

Phrynosoma solare

Number of Pages: 2Integrative BiologyGeological Science

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The Frontiers of Peer-to-Peer Lending: Thinking About a New Regulatory Approach

The growth of online alternative lending presents several advantages for both those seeking credit and those with excess capital to lend. Over the past decade, several different models of peer-to-peer lending have emerged in the US and U.K. Each of these models has developed in response to the different regulatory system it faces, which has led to the models’ different risk and reward profiles. However, the current regulatory framework for regulating peer-to-peer lending, especially in the U.S., leaves much to be desired. The inadequate regulatory regime not only hampers the potential for growth and further innovation in the industry, but also creates risks for consumers, lenders, and, as the sector grows, entire markets. There is no clear or easy answer as to the optimal regulatory regime, but regulators should at least consider the basic functions of peer-to-peer lending and how to address risks with a more comprehensive and sensible model for regulation

Looking Back at Five Eras: The Mott Foundation's First 75 Years

Summarizes five distinct eras in the foundation's first 75 years, and takes a look forward to continuing the practice of building long-term relationships and partnering with community groups in order to enable philanthropy at the local level

The Bay Scallop, Argopecten irradians, in Florida Coastal Waters

The bay scallop, Argopecten irradians, supported a small commercial fishery in Florida from the late 1920’s through the 1940’s; peak landings were in 1946 (214,366 lbs of meats), but it currently supports one of the most popular and family-oriented fisheries along the west coast of Florida. The primary habitat of the short-lived (18 months) bay scallop is seagrass beds. Peak spawning occurs in the fall. Human population growth and coastal development that caused habitat changes and reduced water quality probably are the main causes of a large decline in the scallop’s abundance. Bay scallop restoration efforts in bays where they have become scarce have centered on releasing pediveligers and juveniles into grass beds and holding scallops in cages where they woul

Pituophis melanoleucus

Number of Pages: 8Integrative BiologyGeological Science