A4A_4 Group and Tri-bimaximal Neutrino Mixing -- A Renormalizable Model

The tetrahedron $A_4$ group has been widely used in studying neutrino mixing matrix. It provides a natural framework of model building for the tri-bimaximal mixing matrix. In this class of models, it is necessary to have two Higgs fields, $\chi$ and $\chi'$, transforming under $A_4$ as 3 with one of them having vacuum expectation values for the three components to be equal and another having only one of the components to be non-zero. These specific vev structures require separating $\chi$ and $\chi'$ from communicating with each other. The clash of the different vev structures for $\chi$ and $\chi'$ is the so called sequestering problem. In this work, I show that it is possible to construct renormalizable supersymmetric models producing the tri-bimaximal neutrino mixing with no sequestering problem.Comment: 4 page

The growth of consumer credit in Asia

Consumer credit has shown strong growth in emerging and newly industrialised Asian economies in recent years. While credit card lending has helped smooth consumer spending and improved the profitability of financial institutions, it also represents a new source of risk. Preventing financial and macroeconomic instability associated with consumer lending requires policy makers to be confident that lenders have proper risk management systems in place and consumers have sustainable debt burdens. Public policy also needs to ensure that essential infrastructure for consumer credit is available and set up properly, such as credit information bureaux and personal debt workout systems.Asia; Consumer credit; financial services industry