House and home : the surge in Denver’s low and moderate-income mortgage lending

Mortgage loans

About… drawing the Federal Reserve Districts

Federal Reserve District, 10th

Closing the gap : community colleges emerge as advantage for rural learning

Rural areas ; Rural development

If you build it, they will come : entrepreneurship and community development

Community development

Lentiviral manipulation of gene expression in human adult and embryonic stem cells

Human stem cells could revolutionize the field of medicine by providing a diverse range of cell types for tissue replacement therapies and drug discovery. To achieve this goal, genetic tools need to be optimized and developed for controlling and manipulating stem cells ex vivo. Here we describe a lentiviral delivery system capable of high infection rates in human mesenchymal and embryonic stem cells. The lentiviral backbone was modified to express mono- and bi-cistronic transgenes and was also used to deliver short hairpin ribonucleic acid for specific silencing of gene expression in human stem cells. We show that lentiviral transduction can be used to alter gene expression without altering the genes' ability to differentiate in vitro. These vectors will enable rapid analysis of gene function in stem cells and permit the generation of knock-in / knock-out models of human disease in the rapidly developing field of gene therapy

As payments go plastic : understanding the costs of credit and debit cards

Debit cards ; Credit cards

Growth factors for clinical-scale expansion of human articular chondrocytes : Relevance for automated bioreactor systems

The expansion of chondrocytes in automated bioreactors for clinical use requires that a relevant number of cells be generated, starting from variable initial seeding densities in one passage and using autologous serum. We investigated whether the growth factor combination transforming growth factor beta 1/fibroblast growth factor 2/platelet-derived growth factor BB (TFP), recently shown to enhance the proliferation capacity of human articular chondrocytes (HACs), allows the efficiency of chondrocyte use to be increased at different seeding densities and percentages of human serum (HS). HACs were seeded at 1,000, 5,000, and 10,000 celIS/cm(2) in medium containing 10 bovine serum or 10,000 cells/cm(2) with 1 chondrogenic capacity of post-expanded HACs was then assessed in pellet cultures. Expansion with TFP allowed a sufficient number of HACs to be obtained in one passage even at the lowest seeding density and HS percentage and variability in cartilage-forming capacity of HACs expanded under the different conditions to be reduced. Instead, larger variations and insufficient yields were found in the absence of TFP. By allowing large numbers of cells to be obtained, starting from a wide range of initial seeding densities and HS percentages, the use of TFP may represent a viable solution for the efficient expansion of HACs and addresses constraints of automated clinical bioreactor systems

Community banking : is the playing field changing for bankers and supervisors?

Excerpt from a speech delivered by Federal Reserve Bank of Kansas City President Thomas M. Hoenig at the 2005 Forum for Community Bank Examiners, Dallas, Tx, March 1, 2005Community banks

Invariant characterization of Liouville metrics and polynomial integrals

A criterion in terms of differential invariants for a metric on a surface to be Liouville is established. Moreover, in this paper we completely solve in invariant terms the local mobility problem of a 2D metric, considered by Darboux: How many quadratic in momenta integrals does the geodesic flow of a given metric possess? The method is also applied to recognition of other polynomial integrals of geodesic flows

Mill’s Moral Standard

A book chapter (about 7,000 words, plus references) on the interpretation of Mill’s criterion of right and wrong, with particular attention to act utilitarianism, rule utilitarianism, and sanction utilitarianism. Along the way, major topics include Mill’s thoughts on liberalism, supererogation, the connection between wrongness and punishment, and breaking rules when doing so will produce more happiness than complying with them will