AN ANALYSIS OF FACTORS THAT AFFECT THE QUALITY OF FEDERAL LAND BANK LOANS

Financial conditions existing in agriculture are placing severe pressure on lenders as well as borrowers. Data from both good and foreclosed Federal Land Bank loans were analyzed to determine the most important characteristics leading to the failure of loans. The analysis was completed by comparing means through t-tests and the development of a discriminant model. The ratio of total debt service to total income, the debt to asset ratio, the ratio of total loan amount to appraised value, and the ratio of acres in security to acres owned were determined to be the most important discriminating variables.Agricultural Finance,

Multi-object spectroscopy of low redshift EIS clusters. I

We report the results of the first multi-object spectroscopic observations at the Danish 1.54m telescope at La Silla, Chile. Observations of five cluster candidates from the ESO Imaging Survey Cluster Candidate Catalog are described. From these observations we confirm the reality of the five clusters with measured redshifts of 0.11<=z<=0.35. We estimate velocity dispersions in the range 294-621km/s indicating rather poor clusters. This, and the measured cluster redshifts are consistent with the results of the matched filter procedure applied to produce the Cluster Candidate Catalog.Comment: 7pages, accepted by Astronomy and Astrophysic

On the Nature of the EIS Candidate Clusters: Confirmation of z<0.6 candidates

We use public V-band imaging data from the wide-angle surveys conducted by the ESO Imaging Survey project (EIS) to further investigate the nature of the EIS galaxy cluster candidates. These were originally identified by applying a matched-filter algorithm which used positional and photometric data of the galaxy sample extracted from the I-band survey images. In this paper, we apply the same technique to the galaxy sample extracted from V-band data and compare the new cluster detections with the original ones. We find that ~75% of the low-redshift cluster candidates (z<0.6) are detected in both passbands and their estimated redshifts show good agreement with the scatter in the redshift differences being consistent with the estimated errors of the method. For the ``robust'' I-band detections the matching frequency approaches ~85%. We also use the available (V-I) color to search for the red sequence of early-type galaxies observed in rich clusters over a broad range of redshifts. This is done by searching for a simultaneous overdensity in the three-dimensional color-projected distance space. We find significant overdensities for ~75% of the ``robust'' candidates with z_I<0.6. We find good agreement between the characteristic color associated to the detected "red sequence" and that predicted by passive evolution galaxy models for ellipticals at the redshift estimated by the matched-filter. The results presented in this paper show the usefulness of color data, even of two-band data, to both tentatively confirm cluster candidates and to select possible cluster members for spectroscopic observations. Based on the present results, we estimate that ~150 EIS clusters with z_I<0.6 are real, making it one of the largest samples of galaxy clusters in this redshift range currently available in the southern hemisphere.Comment: 11 pages, 10 figures, accepted for publication in A&

New spectroscopic confirmations of high-redshift galaxy clusters

We present new spectroscopic data in the field of five high-redshift (z>=0.6) candidate galaxy clusters, drawn from the EIS Cluster Candidate Catalog. A total of 327 spectra were obtained using FORS1 at the VLT, out of which 266 are galaxies with secure redshifts. In this paper, we use these data for confirming the existence of overdensities in redshift space at the approximate same location as the matched-filter detections in the projected distribution of galaxies from the EIS I-band imaging survey. The spectroscopic redshifts, associated to these overdensities, are consistent but, in general, somewhat lower than those predicted by the matched-filter technique. Combining the systems presented here with those analyzed earlier, we have spectroscopically confirmed a total of nine overdensities in the redshift range 0.6<z<1.3, providing an important first step in building an optically-selected, high-redshift sample for more detailed studies, complementing those based on the few available X-ray selected systems.Comment: 14 pages, Accepted for publication in A&

ESO Imaging Survey VII. Distant Cluster Candidates over 12 square degrees

In this paper the list of candidate clusters identified from the I-band data of the ESO Imaging Survey (EIS) is completed using the images obtained over a total area of about 12 square degrees. Together with the data reported earlier the total I-band coverage of EIS is 17 square degrees, which has yielded a sample of 252 cluster candidates in the redshift range 0.2 \lsim z \lsim 1.3. This is the largest optically-selected sample currently available in the Southern Hemisphere. It is also well distributed in the sky thus providing targets for a variety of VLT programs nearly year round.Comment: 5 pages, 3 figures, submitted to Astronomy & Astrophysic

Where CD4+CD25+ T reg cells impinge on autoimmune diabetes

Foxp3 is required for the generation and activity of CD4+CD25+ regulatory T (T reg) cells, which are important controllers of autoimmunity, including type-1 diabetes. To determine where T reg cells affect the diabetogenic cascade, we crossed the Foxp3 scurfy mutation, which eliminates T reg cells, with the BDC2.5 T cell receptor (TCR) transgenic mouse line. In this model, the absence of T reg cells did not augment the initial activation or phenotypic characteristics of effector T cells in the draining lymph nodes, nor accelerate the onset of T cell infiltration of the pancreatic islets. However, this insulitis was immediately destructive, causing a dramatic progression to overt diabetes. Microarray analysis revealed that T reg cells in the insulitic lesion adopted a gene expression program different from that in lymph nodes, whereas T reg cells in draining or irrelevant lymph nodes appeared very similar. Thus, T reg cells primarily impinge on autoimmune diabetes by reining in destructive T cells inside the islets, more than during the initial activation in the draining lymph nodes

Vortices in small superconducting disks

We study the Ginzburg-Landau equations in order to describe a two-dimensional superconductor in a bounded domain. Using the properties of a particular integrability point ($\kappa = 1/ \sqrt2$) of these nonlinear equations which allows vortex solutions, we obtain a closed expression for the energy of the superconductor. The presence of the boundary provides a selection mechanism for the number of vortices. A perturbation analysis around $\kappa = 1/ \sqrt2$ enables us to include the effects of the vortex interactions and to describe quantitatively the magnetization curves recently measured on small superconducting disks. We also calculate the optimal vortex configuration and obtain an expression for the confining potential away from the London limit.Comment: 4 pages, to be published in Physica C (Superconductivity