Nondepository Credit Intermediation and its Effects on the Financial Well-Being of Consumers

This paper investigates whether the availability of consumer loans has a positive or negative effect on the indicators of financial well being for consumers in the same area. By observing the number of consumer lending establishments and regressing those numbers on financial indicators, such as percent in poverty and median household income, this paper observes any statistically significant correlations that arise out of the presence of these establishments as well as the sign (positive or negative) of the correlation. The data period is 2007 to 2013. This process is used for nationwide numbers as well as six selected Southern states. For those states, current laws and regulations are reviewed to determine if state law can have any effect on the availability of this type of credit. Results show a limited number of statistically significant relationships in the years after the 2008-2009 financial crisis. The financial well-being variables are percent in poverty, median household income, and Chapter 7 bankruptcy filings. The results indicate some positive and some negative correlations between establishments and the financial indicators. The lack of statistical significance in these regressions indicates that there must be some correlations in the U.S. that differ fundamentally from the southern states studied, a topic worthy of future study

Nondepository Credit Intermediation and its Effects on the Financial Well-Being of Consumers

This paper investigates whether the availability of consumer loans has a positive or negative effect on the indicators of financial well being for consumers in the same area. By observing the number of consumer lending establishments and regressing those numbers on financial indicators, such as percent in poverty and median household income, this paper observes any statistically significant correlations that arise out of the presence of these establishments as well as the sign (positive or negative) of the correlation. The data period is 2007 to 2013. This process is used for nationwide numbers as well as six selected Southern states. For those states, current laws and regulations are reviewed to determine if state law can have any effect on the availability of this type of credit. Results show a limited number of statistically significant relationships in the years after the 2008-2009 financial crisis. The financial well-being variables are percent in poverty, median household income, and Chapter 7 bankruptcy filings. The results indicate some positive and some negative correlations between establishments and the financial indicators. The lack of statistical significance in these regressions indicates that there must be some correlations in the U.S. that differ fundamentally from the southern states studied, a topic worthy of future study

Macroscale and Nanoscale Photoelectrochemical Behavior of p-Type Si(111) Covered by a Single Layer of Graphene or Hexagonal Boron Nitride

Two-dimensional (2D) materials may enable a general approach to the introduction of a dipole at a semiconductor surface as well as control over other properties of the double layer at a semiconductor/liquid interface. Vastly different properties can be found in the 2D materials currently studied due in part to the range of the distribution of density-of-states. In this work, the open-circuit voltage (V_(oc)) of p-Si–H, p-Si/Gr (graphene), and p-Si/h-BN (hexagonal boron nitride) in contact with a series of one-electron outer-sphere redox couples was investigated by macroscale measurements as well as by scanning electrochemical cell microscopy (SECCM). The band gaps of Gr and h-BN (0–5.97 eV) encompass the wide range of band gaps for 2D materials, so these interfaces (p-Si/Gr and p-Si/h-BN) serve as useful references to understand the behavior of 2D materials more generally. The value of V_(oc) shifted with respect to the effective potential of the contacting solution, with slopes (ΔV_(oc)/ΔE_(Eff)) of −0.27 and −0.38 for p-Si/Gr and p-Si/h-BN, respectively, indicating that band bending at the p-Si/h-BN and p-Si/Gr interfaces responds at least partially to changes in the electrochemical potential of the contacting liquid electrolyte. Additionally, SECCM is shown to be an effective method to interrogate the nanoscale photoelectrochemical behavior of an interface, showing little spatial variance over scales exceeding the grain size of the CVD-grown 2D materials in this work. The measurements demonstrated that the polycrystalline nature of the 2D materials had little effect on the results and confirmed that the macroscale measurements reflected the junction behavior at the nanoscale

A Survey of Urban Agriculture Organizations and Businesses in the US and Canada: Preliminary Results

This report summarizes the results of an online survey, conducted during February and March 2013, of 251 groups involved with urban agriculture (UA) projects in approximately 84 cities in the US and Canada. This is only a preliminary report. As such, we present descriptive statistics rather than a interpretive analysis of the survey responses. Furthermore, it is important to recognize that these results are not necessarily representative of all urban agriculture businesses and organizations across North America. Nevertheless, these results point to certain trends and patterns that offer rich opportunities for further inquiry. Our preliminary results reveal that the UA landscape is highly diverse. From beekeeping on balconies to vegetable production on multi-acre farms, UA incorporates a broad range of practices on a diversity of types of urban spaces across North America. Survey results also reveal the wide diversity of groups practicing UA, from businesses to non-profits to public institutions to informal collectives. These groups vary in size; some are entirely focused on UA work, while for others, UA is a secondary activity. We highlight some of the differences in how these groups practice UA, and how these practices vary between cities. Groups face many similar challenges in terms of funding, labor, and access to space, but certain barriers and needs are greater in some cities than in others. Funding for UA projects – if there is any at all – can come from many different sources and, in some cases, the source of funding impacts the type of UA practiced. Finally, the motivations of groups practicing UA are diverse. While groups frame their engagement in UA a variety of ways, however, interest in community building, education, food quality, and sustainability drives most UA practice among our respondents

Implementation of the Framework Convention on Tobacco Control in Africa: Current Status of Legislation

Objective: To describe, as of July 2011, the status of tobacco control legislation in Africa in three key areas of the Framework Convention on Tobacco Control (FCTC)—(1) Protection from exposure to tobacco smoke, (2) Packaging and labelling of tobacco products, and (3) Tobacco advertising, promotion and sponsorship. Methods: Review and analysis of tobacco control legislation in Africa, media reports, journal articles, tobacco industry documents and data published in the 2011 WHO Report on the Global Tobacco Epidemic. Results: Modest progress in FCTC implementation in Africa with many countries having legislation or policies on the protection from exposure to tobacco smoke, however, only a handful of countries meet the standards of the FCTC Article 8 and its Guidelines particularly with regards to designated smoking areas. Little progress on packaging and labelling of tobacco products, with few countries having legislation meeting the minimum standards of the FCTC Article 11 and its Guidelines. Mauritius is the only African country with graphic or pictorial health warnings in place and has the largest warning labels in Africa. Slightly better progress in banning tobacco advertising, promotion and sponsorship has been shown by African countries, although the majority of legislation falls short of the standards of the FCTC Article 13 and its Guidelines. Despite their efforts, African countries’ FCTC implementation at national level has not matched the strong regional commitment demonstrated during the FCTC treaty negotiations. Conclusion: This study highlights the need for Africa to step up efforts to adopt and implement effective tobacco control legislation that is fully compliant with the FCTC. In order to achieve this, countries should prioritise resources for capacity building for drafting strong FCTC compliant legislation, research to inform policy and boost political will, and countering the tobacco industry which is a major obstacle to FCTC implementation in Africa

Macroscale and Nanoscale Photoelectrochemical Behavior of p-Type Si(111) Covered by a Single Layer of Graphene or Hexagonal Boron Nitride

Two-dimensional (2D) materials may enable a general approach to the introduction of a dipole at a semiconductor surface as well as control over other properties of the double layer at a semiconductor/liquid interface. Vastly different properties can be found in the 2D materials currently studied due in part to the range of the distribution of density-of-states. In this work, the open-circuit voltage (V_(oc)) of p-Si–H, p-Si/Gr (graphene), and p-Si/h-BN (hexagonal boron nitride) in contact with a series of one-electron outer-sphere redox couples was investigated by macroscale measurements as well as by scanning electrochemical cell microscopy (SECCM). The band gaps of Gr and h-BN (0–5.97 eV) encompass the wide range of band gaps for 2D materials, so these interfaces (p-Si/Gr and p-Si/h-BN) serve as useful references to understand the behavior of 2D materials more generally. The value of V_(oc) shifted with respect to the effective potential of the contacting solution, with slopes (ΔV_(oc)/ΔE_(Eff)) of −0.27 and −0.38 for p-Si/Gr and p-Si/h-BN, respectively, indicating that band bending at the p-Si/h-BN and p-Si/Gr interfaces responds at least partially to changes in the electrochemical potential of the contacting liquid electrolyte. Additionally, SECCM is shown to be an effective method to interrogate the nanoscale photoelectrochemical behavior of an interface, showing little spatial variance over scales exceeding the grain size of the CVD-grown 2D materials in this work. The measurements demonstrated that the polycrystalline nature of the 2D materials had little effect on the results and confirmed that the macroscale measurements reflected the junction behavior at the nanoscale

Analysis of Carbon/Carbon Fragments From the Columbia Tragedy

The extensive investigation following the Space Shuttle Orbiter Columbia accident of February 1, 2003 determined that hot gases entered the wing through a breach in the protective reinforced carbon/carbon (RCC) leading edge. In the current study, the exposed edges of the recovered RCC from the vicinity of the breach are examined with scanning electron microscopy and Raman spectroscopy. Electron microscopy of the exposed edges revealed regions of pointed carbon fibers, characteristic of exposure to high temperature oxidizing gases. The Raman technique relates the observed 1350 and 1580 to 1600 cm(-1) bands to graphitic dom ains and their corresponding temperatures of formation. Some of the regions showed evidence of exposure temperatures beyond 2700 ?C during the accident

The virtual Haken conjecture: Experiments and examples

A 3-manifold is Haken if it contains a topologically essential surface. The Virtual Haken Conjecture says that every irreducible 3-manifold with infinite fundamental group has a finite cover which is Haken. Here, we discuss two interrelated topics concerning this conjecture. First, we describe computer experiments which give strong evidence that the Virtual Haken Conjecture is true for hyperbolic 3-manifolds. We took the complete Hodgson-Weeks census of 10,986 small-volume closed hyperbolic 3-manifolds, and for each of them found finite covers which are Haken. There are interesting and unexplained patterns in the data which may lead to a better understanding of this problem. Second, we discuss a method for transferring the virtual Haken property under Dehn filling. In particular, we show that if a 3-manifold with torus boundary has a Seifert fibered Dehn filling with hyperbolic base orbifold, then most of the Dehn filled manifolds are virtually Haken. We use this to show that every non-trivial Dehn surgery on the figure-8 knot is virtually Haken.Comment: Published by Geometry and Topology at http://www.maths.warwick.ac.uk/gt/GTVol7/paper12.abs.htm

Simple guide to starting a research group

Conducting cutting-edge research and scholarship becomes more complicated with each passing year; forming a collaborative research group offers a way to navigate this increasing complexity. Yet many individuals whose work might benefit from the formation of a collaborative team may feel overwhelmed by the prospect of attempting to build and maintain a research group. We propose this simple guide for starting and maintaining such an enterprise

Building an Ecosystem of Support: An Evaluation of North Dakota’s Community School Programs

Community school programs respond to students’ nonacademic needs so that they can focus on their learning. This session highlights a collaboration of organizations across North Dakota as they implement two community school programs. A shared evaluation plan supports the implementation of the two programs and will provide data to improve services provided to students