Bank branching and portfolio diversification

Interstate banking ; Branch banks ; Agricultural credit ; Bank loans ; Bank investments

Location, branching, and bank portfolio diversification: the case of agricultural lending

Agricultural credit ; Branch banks ; Bank loans ; Econometric models

The Hidden Nuclear Spectrum of the Luminous IRAS Source FSC10214++4724

Optical spectropolarimetry of the luminous IRAS source FSC10214$+$4724 (z$=2.286$) reveals that the strong (\twid17\%) linear polarization detected by Lawrence \etal\/ is shared by both the narrow UV emission lines and the underlying continuum. This observation and the brightness of the source rule out synchrotron emission and dichroic extinction by dust as the polarizing mechanism, leaving scattering as the only plausible cause of the polarized emission. The narrowness of the lines requires that the scatterers be dust grains or cool ($<1.6\times$10$^4$~K) electrons. We can recover the spectrum that is incident on the scattering medium provided we make some reasonable assumptions regarding the source geometry. The scattered UV spectrum has a power law index $\alpha$~ of $-1.2 \pm 0.6$ ($F_\nu\propto\nu^\alpha$), steeper than what would be expected from a young burst of star formation, but similar to many AGN.Comment: 10 pages, with figure, uuencoded postscript Institute for Advanced Study number AST 94/1

Discovery of a Magnetic DZ White Dwarf with Zeeman-Split Lines of Heavy Elements

A spectroscopic survey of previously-unstudied Luyten Half Second proper motion stars has resulted in the discoveries of two new cool magnetic white dwarfs. One (LHS 2273) is a routine DA star, T= 6,500K, with Zeeman-split H alpha and H beta, for which a simple model suggests a polar field strength of 18.5 MG viewed close to equator-on. However, the white dwarf LHS 2534 proves to be the first magnetic DZ showing Zeeman-split Na I and Mg I components, as well as Ca I and Ca II lines for which Zeeman components are blended. The Na I splittings result in a mean surface field strength estimate of 1.92 MG. Apart from the magnetic field, LHS 2534 is one of the most heavily-blanketed and coolest DZ white dwarfs at T ~ 6,000K.Comment: 7 pages, Astrophysical Journal (Letters), in pres

A Critical Time for Ultra-Wide Band

Ultra-wideband (UWB) is a promising class of high-speed wireless communications applications that is projected to significantly change local and wide area network architectures. This article describes the technology, its probable application areas, the environmental forces that are constraining and enabling commercialization, and the prospects for short-term growth for UWB services. Commercial sale and distribution of UWB products has been approved, and widespread sale is expected by 2007

Family Knowledge of Postsecondary Costs And Financial Aid

Federal policymakers have recently expressed interest in family knowledge of student financial aid and postsecondary costs and the impact of family knowledge on student access. Analyzing a longitudinal data set of Indiana high school students, this study looks at student and parental knowledge of student financial aid and postsecondary costs. The results suggest that parents are more interested than students in information about postsecondary costs and student financial aid. Furthermore, the findings indicate that efforts to increase family knowledge should simultaneously focus on general information about aid and costs rather than on details about specific aid programs. This article was presented at the Seventh Annual Meeting of the Student Financial Aid Research Network Conference, Washington, D. C., May 16, 1990

An Extraordinary Scattered Broad Emission Line in a Type 2 QSO

An infrared-selected, narrow-line QSO has been found to exhibit an extraordinarily broad Halpha emission line in polarized light. Both the extreme width (35,000 km/sec full-width at zero intensity) and 3,000 km/sec redshift of the line centroid with respect to the systemic velocity suggest emission in a deep gravitational potential. An extremely red polarized continuum and partial scattering of the narrow lines at a position angle common to the broad-line emission imply extensive obscuration, with few unimpeded lines of sight to the nucleus.Comment: 4 pages, 1 figure, to appear in the Astrophysical Journal Letter

The Polarized Spectrum of Apm 08279+5255

We report the discovery of significant linear polarization (p > 1%) in the hyperluminous z=3.87 BALQSO APM~08279+5255. The polarization spectrum is complex, with properties similar to those of other, lower redshift but more highly polarized BALQSOs. The resonance emission lines are unpolarized while the absorption troughs show polarization similar to or higher than the continuum. In particular, an apparent increase of polarization in the trough covering 1000-1030 angstroms (rest) supports the interpretation of this feature as a broad absorption component associated with OVI/Ly_beta local to the QSO, as opposed to an intervening damped Ly_alpha absorption system. The elevated polarization in some of the absorption features implies that we view the scattered (polarized) spectrum through a sightline with less absorbing material than the direct spectrum. Therefore, the complex structure of the polarization spectrum in this brilliant lensed BALQSO suggests that it will be an important laboratory for studying the structure of QSOs at high redshift.Comment: 8 pages, 1 figure. Accepted for publication in The Astrophysical Journal Letter