Free Methodists in colonial Christchurch : the church, community and commercial lives of some immigrants from Sunderland : a thesis presented in partial fulfilment of the requirements for the degree of Master of Arts in History at Massey University

This thesis tells the story of a small group of immigrants to Canterbury from Sunderland, England in 1858 and follows their lives and the events in their community up to the time of the First World War. John Thompson Brown and his fellow-settlers belonged to an off-shoot of the Wesleyan Methodist Church – the Free Methodists. Their commitment to this denomination and its ethos and the influence of religion on their lives is a central theme in their story. Life in pioneer society was hard. The environment made it so as much as anything and there were many privations. The sacrifices made by the early settlers and the generation of colonials that followed them were invariably perceived from the perspective of both material conditions and social values. A new community cannot be built without a vision of what that community should be like. This blend of the visionary and the pragmatic co-existed in the beliefs and actions of the early settlers and the colonials, and probably to the generations beyond. The values of the Free Methodists emphasised self-improvement and self-reliance and were supportive of the development of New Zealand as a Christian community As with other denominations their church was a central part of their community which they fostered both spiritually and materially - a considerable commitment of heart and mind in the demanding colonial environment. [FROM INTRODUCTION

The economic performance of small banks, 1985-2000

Several trends in the financial industry over the past decade and a half have potentially threatened the competitiveness of small banks. Among these developments are the numerous mergers that increased the size and scope of large banks and the increased competition from mutual funds and other nonbank financial institutions. This article examines the economic performance of small banks during the 1985-2000 period by focusing on their ability to attract and profitably intermediate insured and uninsured deposits. It finds that the expansion of deposits and assets at small banks, when adjusted to account for the effects of mergers on measured growth, has consistently exceeded the growth at large banks. Moreover, the profitability of small banks has risen to high levels over the period. These indications of strength among small banks as a whole also hold true for subgroups within the small bank sector. Aside from their success in attracting deposits, the key reasons for the generally good performance of small banks in recent years appear to be their ability to earn relatively high rates of return on their loans and an increase in the share of their portfolios devoted to loans.Bank mergers ; Bank size

Profits and balance sheet developments at U.S. commercial banks in 2007

Reviews recent developments in the balance sheets and in the profitability of U.S. commercial banks. The article discusses how developments in the U.S. banking industry in 2007 and early 2008 were related to changes in financial markets and in the broader economy.Banks and banking - United States ; Bank profits

Recent changes to the Federal Reserve's survey of terms of business lending

The Federal Reserve's quarterly Survey of Terms of Business Lending, which has been conducted for more than twenty years, collects information on interest rates and other characteristics of commercial bank business loans. The survey has been changed from time to time to recognize innovations in bank lending practices and to improve the measurement of the desired information. The most recent changes took effect with the May 1997 survey. The major improvement was the addition of an item measuring loan risk. In addition, the reporting panel, which had been limited to domestically chartered commercial banks was expanded to include a sample of U.S. branches and agencies of foreign banks, which now account for a significant proportion of business lending to U.S. firms. This article discusses the most recent changes made to the survey and presents some information now available from the new items being reported. It also summarizes information about the use of loan risk ratings from consultations conducted with a sample of the survey respondents during the process of planning the revisions to the survey.Commercial loans

Low temperature optical testing of CFRP telescope panels

Since 1984, low temperature optical tests were made of very lightweight mirror panels for use in balloon and space infrared and submillimeter telescopes. In order to accomplish this testing, an ambient pressure 0.5 meter test chamber operating from 20 to -80 C, developed techniques for measuring non-optical quality mirrors with phase modulation 10.6 micron interferometry, and created the interferogram reduction program. During the course of the program, nineteen mirrors from four manufactures were tested: carbon fiber reinforced plastic (CFRP) aluminum honeycomb sandwich panel mirrors, a CFRP sandwich panel with an added glass facesheet, and carbon fiber reinforced glass panels. The results of the panel development and test program are summarized

Planning Guide Outdoor Recreation Facilities

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Experimental Droplet Impingement on Several Two-Dimensional Airfoils with Thickness Ratios of 6 to 16 Percent

The rate and area of cloud droplet impingement on several two-dimensional swept and unswept airfoils were obtained experimentally in the NACA Lewis icing tunnel with a dye-tracer technique. Airfoil thickness ratios of 6 to 16 percent; angles of attack from 0 deg to 12 deg, and chord sizes from 13 to 96 inches were included in the study. The data were obtained at 152 knots and are extended to other conditions by dimensionless impingement parameters. In general, the data show that the total and local collection efficiencies and impingement limits are primary functions of the modified inertia parameter (in which airspeed, droplet size, and body size are the most significant variables) and the airfoil thickness ratio. Local collection efficiencies and impingement limits also depend on angle of attack. Secondary factors affecting impingement characteristics are airfoil shape, camber, and sweep angle. The impingement characteristics obtained experimentally for the airfoils were within +/-10 percent on the average of the characteristics calculated from theoretical trajectories. Over the range of conditions studied, the experimental data demonstrate that a specific method can be used to predict the impingement characteristics of swept airfoils with large aspect ratios from the data for unswept airfoils of the same series

A Dye-Tracer Technique for Experimentally Obtaining Impingement Characteristics of Arbitrary Bodies and a Method for Determining Droplet Size Distribution

A dye-tracer technique has been developed whereby the quantity of dyed water collected on a blotter-wrapped body exposed to an air stream containing a dyed-water spray cloud can be colorimetrically determined in order to obtain local collection efficiencies, total collection efficiency, and rearward extent of impingement on the body. In addition, a method has been developed whereby the impingement characteristics obtained experimentally for a body can be related to theoretical impingement data for the same body in order to determine the droplet size distribution of the impinging cloud. Several cylinders, a ribbon, and an aspirating device to measure cloud liquid-water content were used in the studies presented herein for the purpose of evaluating the dye-tracer technique. Although the experimental techniques used in the dye-tracer technique require careful control, the methods presented herein should be applicable for any wind tunnel provided the humidity of the air stream can be maintained near saturation

Do Childhood Vaccines Have Non-Specific Effects on Mortality

A recent article by Kristensen et al. suggested that measles vaccine and bacille Calmette–Guérin (BCG) vaccine might\ud reduce mortality beyond what is expected simply from protection against measles and tuberculosis. Previous reviews of the potential effects of childhood vaccines on mortality have not considered methodological features of reviewed studies. Methodological considerations play an especially important role in observational assessments, in which selection factors for vaccination may be difficult to ascertain. We reviewed 782 English language articles on vaccines and childhood mortality and found only a few whose design met the criteria for methodological rigor. The data reviewed suggest that measles vaccine delivers its promised reduction in mortality, but there is insufficient evidence to suggest a mortality benefit above that caused by its effect on measles disease and its sequelae. Our review of the available data in the literature reinforces how difficult answering these considerations has been and how important study design will be in determining the effect of specific vaccines on all-cause mortality.\u