Survey of finance companies, 2000

Against a backdrop of robust economic activity, the finance company sector expanded briskly over the second half of the 1990s. The value of receivables held by finance companies in the United States rose nearly 50 percent, or about 11 percent a year, between 1996 and 2000. Business lending remained finance companies' major line of activity; the importance to the sector of consumer lending and leasing declined slightly, and the importance of real estate lending rose a bit. These and other findings from the Federal Reserve's mid-2000 benchmark survey of finance companies, as well as developments in the sector since that time, are discussed in this article.Finance companies

An improved direct colorimetric method for the quantitative analysis of urinary hippuric acid as an index of toluene exposure

An improved direct colorimetric method for determining the concentration of urinary hippuric acid as an index of toluene exposure was described. One tenth ml of urine was diluted with 0.4 ml 0.01 M phosphate buffer H 6.9 and mixed with 0.5 ml pyridine. The mixture was layered on 0.2 ml benzenesulfonyl chloride. The reaction was started by mixing for one min with a mechanical shaker. The colored solution was allowed to stand for 30 min, diluted with 5 ml ethanol, and absorbance measured at 410 nm within 30 min after the dilution. The coefficient of variation of this method was 6% and the recovery 103% when urine contains about 0.2-0.5 mg hippuric acid per ml of urine. The concentration was linear up to 2.0 mg per ml hippuric acid in a specimen.</p

Identification of Biodiversity and Other Forest Attributes for Sustainable Forest Management: Siberian Forest Case Study

This paper attempts to identify characteristics of biodiversity and other (forest) ecosystem conditions that are considered essential for a description of ecosystem functioning and development of sustainable forest management practices in the Siberian forests. This is accomplished through an analysis of net primary production of phytomass (NPP) which acts as a proxy for ecosystem functioning. Rough Sets (RS) analysis is applied to study the Siberian ecoregions classified into compact and cohesive NPP performance classes. Through a heuristic procedure, a reduced set of attributes is generated for a NPP classification problem. In order to interpret relationships between various forest characteristics, so-called "interesting rules" are generated on a basis of reduced problem description. These "interesting rules" provide means to draw conclusions in the form of knowledge statements about functioning of the Siberian forests

Learning the preferences of physicians for the organization of result lists of medical evidence articles

Objectives Despite many clinical decision support systems (CDSSs) being rated as highly usable, CDSSs have not been widely adopted in clinical practice. We posit that there are factors aside from usability that impact adoption of CDSSs; in particular we are interested in the role played by MDs intrinsic motivation to use computer-based support. Our research aim is to investigate the relationship between usability and intrinsic motivation in order to learn about adoption of CDSS in clinical practice. Methods Following the evaluation of a CDSS, 19 MDs completed a 2 part questionnaire about their intrinsic motivation to use computer-based support in general and the usability of the evaluated CDSS. Results The analysis of MDs motivation to use computer-based support demonstrated that MDs are comfortable using computer-based support and in general find using it quite easy (a motivation rating of 0.66 on a (0, 1) scale was computed). However MDs also reported a perceived lack of competence associated with a lack of prior experience using technology in practice, which results in pressure and tension. The considered CDSS scored highly on all usability dimensions and a usability rating of 0.74 was recorded. The examination of the relationship between motivation and usability suggested that users who were motivated to use computer-based support experienced better usability than those who reported low levels of motivation. Conclusions Our small case study suggests that an important factor supplementing the usability of CDSSs is intrinsic motivation to use computer-based support in general. We posit that the lack of such a measure thus far in CDSS evaluation may to some extent explain seeming MD satisfaction with CDSSs on one hand, but their limited adoption on the other. We recommend that clinical managers responsible for deploying CDSS should invest in training MDs to use technology underlying computer-based support applications instead of focusing only on the features of the specific CDSS to be deployed

3D flow in the venom channel of a spitting cobra: do the ridges in the fangs act as fluid guide vanes?

The spitting cobra Naja pallida can eject its venom towards an offender from a distance of up to two meters. The aim of this study was to understand the mechanisms responsible for the relatively large distance covered by the venom jet although the venom channel is only of micro-scale. Therefore, we analysed factors that influence secondary flow and pressure drop in the venom channel, which include the physical-chemical properties of venom liquid and the morphology of the venom channel. The cobra venom showed shear-reducing properties and the venom channel had paired ridges that span from the last third of the channel to its distal end, terminating laterally and in close proximity to the discharge orifice. To analyze the functional significance of these ridges we generated a numerical and an experimental model of the venom channel. Computational fluid dynamics (CFD) and Particle-Image Velocimetry (PIV) revealed that the paired interior ridges shape the flow structure upstream of the sharp 90° bend at the distal end. The occurrence of secondary flow structures resembling Dean-type vortical structures in the venom channel can be observed, which induce additional pressure loss. Comparing a venom channel featuring ridges with an identical channel featuring no ridges, one can observe a reduction of pressure loss of about 30%. Therefore it is concluded that the function of the ridges is similar to guide vanes used by engineers to reduce pressure loss in curved flow channels

Technical Design Report for the PANDA Solenoid and Dipole Spectrometer Magnets

This document is the Technical Design Report covering the two large spectrometer magnets of the PANDA detector set-up. It shows the conceptual design of the magnets and their anticipated performance. It precedes the tender and procurement of the magnets and, hence, is subject to possible modifications arising during this process.Comment: 10 pages, 14MB, accepted by FAIR STI in May 2009, editors: Inti Lehmann (chair), Andrea Bersani, Yuri Lobanov, Jost Luehning, Jerzy Smyrski, Technical Coordiantor: Lars Schmitt, Bernd Lewandowski (deputy), Spokespersons: Ulrich Wiedner, Paola Gianotti (deputy

Feasibility studies of time-like proton electromagnetic form factors at PANDA at FAIR

Simulation results for future measurements of electromagnetic proton form factors at \PANDA (FAIR) within the PandaRoot software framework are reported. The statistical precision with which the proton form factors can be determined is estimated. The signal channel $\bar p p \to e^+ e^-$ is studied on the basis of two different but consistent procedures. The suppression of the main background channel, $\textit{i.e.}$ $\bar p p \to \pi^+ \pi^-$, is studied. Furthermore, the background versus signal efficiency, statistical and systematical uncertainties on the extracted proton form factors are evaluated using two different procedures. The results are consistent with those of a previous simulation study using an older, simplified framework. However, a slightly better precision is achieved in the PandaRoot study in a large range of momentum transfer, assuming the nominal beam conditions and detector performance

Maximum likelihood models and algorithms for gene tree evolution with duplications and losses

<p>Abstract</p> <p>Background</p> <p>The abundance of new genomic data provides the opportunity to map the location of gene duplication and loss events on a species phylogeny. The first methods for mapping gene duplications and losses were based on a parsimony criterion, finding the mapping that minimizes the number of duplication and loss events. Probabilistic modeling of gene duplication and loss is relatively new and has largely focused on birth-death processes.</p> <p>Results</p> <p>We introduce a new maximum likelihood model that estimates the speciation and gene duplication and loss events in a gene tree within a species tree with branch lengths. We also provide an, in practice, efficient algorithm that computes optimal evolutionary scenarios for this model. We implemented the algorithm in the program DrML and verified its performance with empirical and simulated data.</p> <p>Conclusions</p> <p>In test data sets, DrML finds optimal gene duplication and loss scenarios within minutes, even when the gene trees contain sequences from several hundred species. In many cases, these optimal scenarios differ from the lca-mapping that results from a parsimony gene tree reconciliation. Thus, DrML provides a new, practical statistical framework on which to study gene duplication.</p

Elatinaceae are Sister to Malpighiaceae; Peridiscaceae Belong to Saxifragales

Phylogenetic data from plastid (ndhF and rbcL) and nuclear (PHYC) genes indicate that, within the order Malpighiales, Elatinaceae are strongly supported as sister to Malpighiaceae. There are several putative morphological synapomorphies for this clade; most notably, they both have a base chromosome number of X = 6 (or some multiple of three or six), opposite or whorled leaves with stipules, unicellular hairs (also uniseriate in some Elatinaceae), multicellular glands on the leaves, and resin (Elatinacae) or latex (Malpighiaceae). Further study is needed to determine if these features are synapomorphic within the order. Malpighiaceae have previously been inferred as sister to Peridiscaceae based on rbcL sequence data, but the rbcL sequence of Whittonia is a chimera of two sequences, neither of which appears to be Whittonia. Our data from plastid (atpB, rbcL) and nuclear (18S rDNA) genes instead place Peridiscaeace as a member of the Saxifragales.Organismic and Evolutionary Biolog