9,512 research outputs found
The 2006 HMDA data
Analyzes the 2006 data collected under the Home Mortgage Disclosure Act (HMDA). The review focuses primarily on the pricing information in the data. Includes an assessment of factors that account for the variation in rates of serious delinquency on mortgage loans across U.S. metropolitan area counties observed as of March 31, 2007, with information drawn from the HMDA data on the incidence of higher-priced lending and from credit scores by geographic area.Mortgage loans ; Bank loans
The 2009 HMDA data: the mortgage market in a time of low interest rates and economic distress
Mortgages ; Home Mortgage Disclosure Act
The 2008 HMDA data: the mortgage market during a turbulent year
The data that mortgage lending institutions reported for 2008 under the Home Mortgage Disclosure Act of 1975 (HMDA) reflect the ongoing difficulties in the housing and mortgage markets. This article presents a number of key findings from a review of the 2008 HMDA data. In particular, it documents a reduction in lending activity that was experienced by all groups of borrowers, highlights the Federal Housing Administration's greatly expanded role in the mortgage market, and examines how atypical changes in the interest rate environment affected the incidence of reported higher-priced lending in 2008 relative to earlier years.Mortgages ; Home Mortgage Disclosure Act
Nonfactorization and the decays and
In six chosen scenarios for the dependence of the form factors involved
in transition, we have determined the allowed domain
of and from the experimentally measured
ratios and in a scheme that uses the value of the phenomenological parameter and includes nonfactorized
contribution. We find that the experimentally measured values of and
from semileptonic decays of favor solutions which have significant
nonfactorized contribution, and, in particular, favors solutions in
scenarios where is either flat or decreasing with .Comment: 15 pages, Latex, four figure (available on request)
Utilizing Lustre filesystem with dCache for CMS analysis
This paper presents our new experimentations to utilize Lustre filesystem for CMS analysis with direct POSIX file access while keeping dCache as the frontend for data distribution and management. We describe our implementations that integrate dCache with Lustre filesystem and how to enable user data access without going through the dCache file read protocol. Our initial CMS analysis job measurement and transfer performance results are shown and the advantages of difference implementations are briefly discussed
Where are all the gravastars? Limits upon the gravastar model from accreting black holes
The gravastar model, which postulates a strongly correlated thin shell of
anisotropic matter surrounding a region of anti-de Sitter space, has been
proposed as an alternative to black holes. We discuss constraints that
present-day observations of well-known black hole candidates place on this
model. We focus upon two black hole candidates known to have extraordinarily
low luminosities: the supermassive black hole in the Galactic Center,
Sagittarius A*, and the stellar-mass black hole, XTE J1118+480. We find that
the length scale for modifications of the type discussed in Chapline et al.
(2003) must be sub-Planckian.Comment: 11 pages, 4 figure
What can a relativistic quark model tell us about charmed mesons?
A relativistic quark model is extended to incorporate chiral and gauge
symmetries. We obtain the DD*pi and DD*gamma couplings and find that the ratio
Gamma(D*0->D0pi0)/Gamma(D*0->D0gamma) constrains the charm-quark mass close to
1.45 GeV. Large 1/mc corrections appear in the heavy-quark contribution to the
DD*gamma coupling. The model is extended further to describe seven excited D
meson states. We find that semileptonic B decays into the ground and excited D
meson states do not account for the total semileptonic decay width of the B0.
The nonresonant contributions to the processes B0->D(*)pi+ell+nu appear to be
large enough to account for the discrepancy.Comment: 19 pages, LaTeX, figures in accompanying uuencoded PostScript file,
UTPT-94-2
A study of subsonic transport aircraft configurations using hydrogen (H2) and methane (CH4) as fuel
The acceptability of alternate fuels for future commercial transport aircraft are discussed. Using both liquid hydrogen and methane, several aircraft configurations are developed and energy consumption, aircraft weights, range and payload are determined and compared to a conventional Boeing 747-100 aircraft. The results show that liquid hydrogen can be used to reduce aircraft energy consumption and that methane offers no advantage over JP or hydrogen fuel
- âŠ