Emergence of immediate funds transfer as a general-purpose means of payment

Immediate funds transfer (IFT) is a highly convenient, certain, secure, and economical means of payment using bank money. IFT is not available in the U.S. banking system, except for large-value business payments, interbank transfers, and specialized financial market transactions. This article examines the successful experience with IFT in Mexico, South Africa, Switzerland, and the UK and concludes that payment system governance is the principal barrier to IFT innovation in the U.S.Payment systems ; Electronic funds transfers

Galaxy Tracers and Velocity Bias

This paper examines several methods of tracing galaxies in N-body simulations and their effects on the derived galaxy statistics, especially measurements of velocity bias. Using two simulations with identical initial conditions, one following dark matter only and the other following dark matter and baryons, both collisionless and collisional methods of tracing galaxies are compared to one another and against a set of idealized criteria. None of the collisionless methods proves satisfactory, including an elaborate scheme developed here to circumvent previously known problems. The main problem is that galactic overdensities are both secularly and impulsively disrupted while orbiting in cluster potentials. With dissipation, the baryonic tracers have much higher density contrasts and much smaller cross sections, allowing them to remain distinct within the cluster potential. The question remains whether the incomplete physical model introduces systematic biases. Statistical measures determined from simulations can vary significantly based solely on the galaxy tracing method utilized. The two point correlation function differs most on sub-cluster scales with generally good agreement on larger scales. Pairwise velocity dispersions show less uniformity on all scales addressed here. All tracing methods show a velocity bias to varying degrees, but the predictions are not firm: either the tracing method is not robust or the statistical significance has not been demonstrated. Though theoretical arguments suggest that a mild velocity bias should exist, simulation results are not yet conclusive.Comment: ApJ, in press, 23 pages, plain TeX, 8 of 13 figures included, all PostScript figures (4.8 MB) available via anonymous ftp from ftp://astro.princeton.edu/summers/tracers . Also available as POPe-616 on http://astro.princeton.edu/~library/prep.htm

Intergenerational Use of and Attitudes Toward Food Labels in Louisiana

Results from a random sample of 1,300 households in Louisiana suggest that seniors are the most frequent users of food labels, but they are also more likely to agree that labels are hard to interpret. Consumers in the 18-to-25 age group are more likely to use friends, relatives, and food-company publications as their main sources of nutritional information.Food Consumption/Nutrition/Food Safety,

Agassiz, Garman, Albatross, and the Collection of Deep-sea Fishes

The first of Alexander Agassiz’ voyages on the U.S. Fish Commission steamer Albatross in 1891 yielded significant scientific results. This paper reviews the background of the voyage, including the career path that led Agassiz to the back deck of the Albatross. We also give a brief account of the life and work of Samuel Garman. Garman wrote up the ichthyological material from this Albatross voyage in a magnificent book on deep-sea fishes published in 1899. This book was exceptional in its coverage, anatomical detail, and recognition of phylogenetically important morphology

Galaxy tracers in N-body simulations

Using the method of smoothed particle hydrodynamics, we have modeled the formation of a compact group of galaxies with sufficient resolution to trace galaxies. Radiative cooling allows the baryons to dissipate their thermal energy and collapse to overdensities characteristic of real galaxies. With their cross section greatly reduced, these galaxy tracers remain distinct during cluster formation while their dark matter halos merge. In addition, the number density, the mass distribution function, and even the morphology of these objects are similar to those of observed galaxies. A viable population of galaxy tracers can be unambiguously defined

Health, faith and therapeutic landscapes: Places of worship as black, Asian and Minority Ethnic (BAME) public health settings in the United Kingdom

Within the United Kingdom, there is evidence that faith-based affiliations, ideas, actors and organisations play a role in public health (PH) that has been neither properly recognised nor integrated into mainstream health systems (November, 2014). Discourses on faith and improving health outcomes have been particularly focused on 'seldom heard' groups, including 'Black, Asian and Minority Ethnic' (BAME) communities (November, 2014; Jain, 2014; Burton et al., 2017; Muhammad, 2018). In this paper we first present findings from a qualitative scoping study carried out in Leeds and Bradford, cities in the UK, between 2014 and 2015, which examined Places of Worship (PWs) as BAME PH settings. We carried out nineteen semi-structured interviews with purposively selected respondents, and three focus groups. Second, we develop a theory that originates from one in the sub-discipline of 'health geography' concerned with 'therapeutic landscapes', applying it to our research findings on PWs as BAME PH settings. The paper argues for the recentring of religion and faith settings back into the therapeutic landscapes literature, reflecting evidence that faith-based affiliations, ideas, actors and organisations are relevant to the pursuit of health and wellbeing. We also contend that a therapeutic landscapes framework provides a way of making the health relevance of PWs visible to both health practitioners and to members of PWs. We argue that PWs act as therapeutic places (i.e. specific transformative sacred sites) as well as therapeutic spaces (i.e. settings that provide adjuncts to formal PH promotion services), and are often part of therapeutic networks included in 'kinship groups and networks of care provided by family, friends, therapists and other agents of support' (Smyth, 2005: 490). This approach allows us to see how influences on health behaviour are not just confined to bio-medical settings, but that the 'healing process works itself out in places (or situations, locales, settings and milieus)' (Gesler, 1992: 743)

Two-point motional Stark effect diagnostic for Madison Symmetric Torus

A high-precision spectral motional Stark effect (MSE) diagnostic provides internal magnetic field measurements for Madison Symmetric Torus (MST) plasmas. Currently, MST uses two spatial views-on the magnetic axis and on the midminor (off-axis) radius, the latter added recently. A new analysis scheme has been developed to infer both the pitch angle and the magnitude of the magnetic field from MSE spectra. Systematic errors are reduced by using atomic data from atomic data and analysis structure in the fit. Reconstructed current density and safety factor profiles are more strongly and globally constrained with the addition of the off-axis radius measurement than with the on-axis one only

Methane on Mars: Thermodynamic Equilibrium and Photochemical Calculations

The detection of methane (CH4) in the atmosphere of Mars by Mars Express and Earth-based spectroscopy is very surprising, very puzzling, and very intriguing. On Earth, about 90% of atmospheric ozone is produced by living systems. A major question concerning methane on Mars is its origin - biological or geological. Thermodynamic equilibrium calculations indicated that methane cannot be produced by atmospheric chemical/photochemical reactions. Thermodynamic equilibrium calculations for three gases, methane, ammonia (NH3) and nitrous oxide (N2O) in the Earth s atmosphere are summarized in Table 1. The calculations indicate that these three gases should not exist in the Earth s atmosphere. Yet they do, with methane, ammonia and nitrous oxide enhanced 139, 50 and 12 orders of magnitude above their calculated thermodynamic equilibrium concentration due to the impact of life! Thermodynamic equilibrium calculations have been performed for the same three gases in the atmosphere of Mars based on the assumed composition of the Mars atmosphere shown in Table 2. The calculated thermodynamic equilibrium concentrations of the same three gases in the atmosphere of Mars is shown in Table 3. Clearly, based on thermodynamic equilibrium calculations, methane should not be present in the atmosphere of Mars, but it is in concentrations approaching 30 ppbv from three distinct regions on Mars

Case-control study of stroke and the quality of hypertension control in north west England

Objective: To examine the risk of stroke in relation to quality of hypertension control in routine general practice across an entire health district. Design: Population based matched case-control study. Setting: East Lancashire Health District with a participating population of 388,821 aged < or = 80. Subjects: Cases were patients under 80 with their first stroke identified from a population based stroke register between 1 July 1994 and 30 June 1995. For each case two controls matched with the case for age and sex were selected from the same practice register. Hypertension was defined as systolic blood pressure > or = 160 mm Hg or diastolic blood pressure > or = 95 mm Hg, or both, on at least two occasions within any three month period or any history of treatment with antihypertensive drugs. Main outcome measures: Prevalence of hypertension and quality of control of hypertension assessed by using the mean blood pressure recorded before stroke) and odds ratios of stroke (derived from conditional logistic regression). Results: Records of 267 cases and 534 controls were examined; 61% and 42% of these subjects respectively were hypertensive. Compared with non-hypertensive subjects hypertensive patients receiving treatment whose average pre-event systolic blood pressure was controlled to or = 160 mm Hg) or untreated had progressively raised odds ratios of 1.6, 2.2, 3.2, and 3.5 respectively. Results for diastolic pressure were similar; both were independent of initial pressures before treatment. Around 21% of strokes were thus attributable to inadequate control with treatment, or 46 first events yearly per 100,000 population aged 40-79. Conclusions: Risk of stroke was clearly related to quality of control of blood pressure with treatment. In routine practice consistent control of blood pressure to below 150/90 mm Hg seems to be required for optimal stroke prevention

Stellar and Molecular Radii of a Mira Star: First Observations with the Keck Interferometer Grism

Using a new grism at the Keck Interferometer, we obtained spectrally dispersed (R ~ 230) interferometric measurements of the Mira star R Vir. These data show that the measured radius of the emission varies substantially from 2.0-2.4 microns. Simple models can reproduce these wavelength-dependent variations using extended molecular layers, which absorb stellar radiation and re-emit it at longer wavelengths. Because we observe spectral regions with and without substantial molecular opacity, we determine the stellar photospheric radius, uncontaminated by molecular emission. We infer that most of the molecular opacity arises at approximately twice the radius of the stellar photosphere.Comment: 12 pages, including 3 figures. Accepted by ApJ