LENDING BY RURAL BANKS INVOLVED IN MERGERS

This paper employed a variety of sources of data and a number of methods to describe rural lending markets. Over the sample period, 1992 through 1998, there was a pronounced trend towards affiliation of banks, both urban and rural, with holding companies, although over this period there was little change in the concentration of banking offices in rural areas. Using data from the 1993 National Survey of Small Business Finances, the study found some evidence that rural small businesses were less likely to apply for a loan than urban small firms although those rural firms that did apply were more likely to have their application accepted.mergers, rural banks, Agricultural Finance,

Laser cooling of new atomic and molecular species with ultrafast pulses

We propose a new laser cooling method for atomic species whose level structure makes traditional laser cooling difficult. For instance, laser cooling of hydrogen requires single-frequency vacuum-ultraviolet light, while multielectron atoms need single-frequency light at many widely separated frequencies. These restrictions can be eased by laser cooling on two-photon transitions with ultrafast pulse trains. Laser cooling of hydrogen, antihydrogen, and many other species appears feasible, and extension of the technique to molecules may be possible.Comment: revision of quant-ph/0306099, submitted to PR

Towards a guided atom interferometer based on a superconducting atom chip

We evaluate the realization of a novel geometry of a guided atom interferometer based on a high temperature superconducting microstructure. The interferometer type structure is obtained with a guiding potential realized by two current carrying superconducting wires in combination with a closed superconducting loop sustaining a persistent current. We present the layout and realization of our superconducting atom chip. By employing simulations we discuss the critical parameters of the interferometer guide in particular near the splitting regions of the matter waves. Based on measurements of the relevant chip properties we discuss the application of a compact and reliable on-chip atom interferometer.Comment: 14 pages, 7 figures, accepted for New Journal of Physic

Towards optimal education including self-regulated learning in technology-enhanced preschools and primary schools

At the start of preschool, four-year-old pupils differ in their development, including the capacity to self-regulate their playing and learning. In preschool and primary school, educational processes are generally adapted to the mean age of the pupils in class. The same may apply to ICT-based pupil-monitoring systems. This norm-based factor undermines the potential of ICT to support the educational differentiation needed for pupils and increases the amount of daily work for teachers. A theoretical framework is sketched in which pedagogical-didactical, organisational, and ICT guidelines enhance differentiated, self-regulated playing and learning for each pupil within preschool and primary school. To develop and check such optimal education and ICT conditions in practice, a pilot and a randomised intervention study are carried out in integrated Dutch preschools/primary schools for pupils aged 4 – 12. Pilot results support the use of a procedure to screen each child’s characteristics at the start of preschool by parents and preschool teachers, and also the immediate relevance of criterion-based and norm-based ordering (‘double diagnostics’) of playing and learning materials. Intermediate results of the longitudinal intervention study empirically support the hypothesis regarding the positive effects of optimal education on the cognitive and emotional functioning of both cognitively gifted and other pupils. The discussion emphasises the need to assist schools in realising optimal education including learners’ self-regulation and adequate ICT to enhance optimal learning. Final attention is given to further development of optimal education in a European context

Broad Feshbach resonance in the 6Li-40K mixture

We study the widths of interspecies Feshbach resonances in a mixture of the fermionic quantum gases 6Li and 40K. We develop a model to calculate the width and position of all available Feshbach resonances for a system. Using the model we select the optimal resonance to study the 6Li/40K mixture. Experimentally, we obtain the asymmetric Fano lineshape of the interspecies elastic cross section by measuring the distillation rate of 6Li atoms from a potassium-rich 6Li/40K mixture as a function of magnetic field. This provides us with the first experimental determination of the width of a resonance in this mixture, Delta B=1.5(5) G. Our results offer good perspectives for the observation of universal crossover physics using this mass-imbalanced fermionic mixture.Comment: 4 pages, 2 figure

A Double-Mode RR Lyrae Star with a Strong Fundamental Mode Component

NSVS 5222076, a thirteenth magnitude star in the Northern Sky Variability Survey, was identified by Oaster as a possible new double-mode RR Lyrae star. We confirm the double-mode nature of NSVS 5222076, supplementing the survey data with new V band photometry. NSVS 5222076 has a fundamental mode period of 0.4940 day and a first overtone period of 0.3668 day. Its fundamental mode light curve has an amplitude twice as large as that of the first overtone mode, a ratio very rarely seen. Data from the literature are used to discuss the location in the Petersen diagram of double-mode RR Lyrae stars having strong fundamental mode pulsation. Such stars tend to occur toward the short period end of the Petersen diagram, and NSVS 5222976 is no exception to this rule.Comment: 14 pages, 4 figures, To be published in the March, 2006, issue of PAS