19,267 research outputs found

    Revolving Credit and Credit Cards

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    Seasonality, precautionary savings and health uncertainty: Evidence from farm households in central Kenya

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    The high prevalence of risks in low income economies makes managing uncertainty critical for productivity and survival. This paper analyzes seasonal changes in farm households’ per capita consumption and saving in response to weather and health shocks. Using a sample of 196 households in central Kenya, it tests the notion that people save most of their transitory income, and examines their precautionary saving motives. The results show that the propensity to save out of transitory income is about a fifth of what the permanent income hypothesis postulates. The propensity to save differs by wealth, with the poor exhibiting stronger precautionary motives towards rainfall variability. But the wealth effect is weak, suggesting that the asset base is vulnerable even for the better-off. However, precautionary savings tend to increase with wealth among HIV/AIDS affected households. Since illness is associated with higher consumption, and therefore less investment, we find more volatile consumption for HIV/AIDS affected households

    A Rigorous Finite-Element Domain Decomposition Method for Electromagnetic Near Field Simulations

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    Rigorous computer simulations of propagating electromagnetic fields have become an important tool for optical metrology and design of nanostructured optical components. A vectorial finite element method (FEM) is a good choice for an accurate modeling of complicated geometrical features. However, from a numerical point of view solving the arising system of linear equations is very demanding even for medium sized 3D domains. In numerics, a domain decomposition method is a commonly used strategy to overcome this problem. Within this approach the overall computational domain is split up into smaller domains and interface conditions are used to assure continuity of the electromagnetic field. Unfortunately, standard implementations of the domain decomposition method as developed for electrostatic problems are not appropriate for wave propagation problems. In an earlier paper we therefore proposed a domain decomposition method adapted to electromagnetic field wave propagation problems. In this paper we apply this method to 3D mask simulation.Comment: 9 pages, 7 figures, SPIE conference Advanced Lithography / Optical Microlithography XXI (2008

    Monetary expansion and federal open market committee operating strategy in 1971

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    Federal Open Market Committee ; Monetary policy - United States

    Flexible nurse staffing based on hourly bed census predictions

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    Workload on nursing wards depends highly on patient arrivals and patient lengths of stay, which are both inherently variable. Predicting this workload and staffing nurses accordingly is essential for guaranteeing quality of care in a cost effective manner. This paper introduces a stochastic method that uses hourly census predictions to derive efficient nurse staffing policies. The generic analytic approach minimizes staffing levels while satisfying so-called nurse-to-patient ratios. In particular, we explore the potential of flexible staffing policies which allow hospitals to dynamically respond to their fluctuating patient population by employing float nurses. The method is applied to a case study of the surgical inpatient clinic of the Academic Medical Center (AMC) Amsterdam. This case study demonstrates the method's potential to study the complex interaction between staffing requirements and several interrelated planning issues such as case mix, care unit partitioning and size, and surgical block planning. Inspired by the numerical results, the AMC decided that this flexible nurse staffing methodology will be incorporated in the redesign of the inpatient care operations during the upcoming years

    JCMmode: An Adaptive Finite Element Solver for the Computation of Leaky Modes

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    We present our simulation tool JCMmode for calculating propagating modes of an optical waveguide. As ansatz functions we use higher order, vectorial elements (Nedelec elements, edge elements). Further we construct transparent boundary conditions to deal with leaky modes even for problems with inhomogeneous exterior domains as for integrated hollow core Arrow waveguides. We have implemented an error estimator which steers the adaptive mesh refinement. This allows the precise computation of singularities near the metal's corner of a Plasmon-Polariton waveguide even for irregular shaped metal films on a standard personal computer.Comment: 11 page

    Direct comparison of the performance of CZT detectors contacted with various metals

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    Cadmium Zinc Telluride (CZT) achieves excellent spatial resolution and good energy resolution over the broad energy range from several keV into the MeV energy range. In this paper we present the results of a systematic study of the performance of CZT detectors manufacturered by Orbotech (before IMARAD) depending on surface preparation, contact materials and contact deposition. The standard Orbotech detectors have the dimension of 2.0 x 2.0 x 0.5 cm. They have a pixellated In anode with 8 x 8 pixels and a monolithic In cathode. Using the same CZT substrates several times, we have made a direct comparison of the performance of different contact materials by replacing the cathode and/or the anode contacts with several high-workfunction metals. We present the performance of the detectors and conclude with an overview over our ongoing detector optimization.Comment: 8 pages, 5 figures, to appear in the proceedings of the conference 5922, "Hard X-Ray and Gamma-Ray Detector Physics VII" on the "Optics & Photonics 2005" SPIE Symposium, July 31- August 4, 2005, San Diego, C
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