How effective is lifeline banking in assisting the 'unbanked'?

Many consumers who lack checking accounts are paying relatively high costs to access the nation's payments system. Legislation aimed at opening the system to these unbanked individuals has centered on requiring commercial banks to offer low-cost "lifeline" accounts. But will cost savings alone motivate these consumers to access the payments system through banks?Checking accounts ; Banks and banking - Service charges ; Poverty

Reproducibilty of partial weight bearing

Objectives: To find out whether partial weight bearing can be reproduced and retained. Design: In vivo experiment in normal subjects. Intervention: Training for partial weight bearing (25% of body weight) using bathroom scales. Main outcome measurement: Reproducibility on force platform immediately after training and after 60 min. Results: Twelve subjects were asked to reproduce 25% of their body weight through either the dominant or non-dominant limb on force platform after three practice attempts on bathroom scales with concurrent visual feedback. No feedback was provided after the measurements on force plate. The process was repeated after 1 h without any practice sessions in the interim period to find out if the weight practised could be retained. The mean 0-min reading was found to be 25.9% of body weight while the mean 60-min reading was found to be 24.4%. The p-value for the difference between the two means was found to be 0.3841. Conclusions: This study indicates that partial weight bearing instructions can be quantified and graded. Simple bathroom scales are sufficient to educate the patients and this can be practised at home after an initial period of supervision

Measuring device Patent

Expulsion and measuring device for determining quantity of liquid in tank under conditions of weightlessnes

A Prototype for the PASS Permanent All Sky Survey

A prototype system for the Permanent All Sky Survey (PASS) project is presented. PASS is a continuous photometric survey of the entire celestial sphere with a high temporal resolution. Its major objectives are the detection of all giant-planet transits (with periods up to some weeks) across stars up to mag 10.5, and to deliver continuously photometry that is useful for the study of any variable stars. The prototype is based on CCD cameras with short focal length optics on a fixed mount. A small dome to house it at Teide Observatory, Tenerife, is currently being constructed. A placement at the antarctic Dome C is also being considered. The prototype will be used for a feasibility study of PASS, to define the best observing strategies, and to perform a detailed characterization of the capabilities and scope of the survey. Afterwards, a first partial sky surveying will be started with it. That first survey may be able to detect transiting planets during its first few hundred hours of operation. It will also deliver a data set around which software modules dealing with the various scientific objectives of PASS will be developed. The PASS project is still in its early phase and teams interested in specific scientific objectives, in providing technical expertise, or in participating with own observations are invited to collaborate.Comment: Accepted for Astronomische Nachrichten (special issue for 3rd Potsdam Thinkshop 'Robotic Astronomy' in July 2004). 4 pages, 4 fig

Buffer gas cooling and trapping of atoms with small magnetic moments

Buffer gas cooling was extended to trap atoms with small magnetic moment (mu). For mu greater than or equal to 3mu_B, 1e12 atoms were buffer gas cooled, trapped, and thermally isolated in ultra high vacuum with roughly unit efficiency. For mu < 3mu_B, the fraction of atoms remaining after full thermal isolation was limited by two processes: wind from the rapid removal of the buffer gas and desorbing helium films. In our current apparatus we trap atoms with mu greater than or equal to 1.1mu_B, and thermally isolate atoms with mu greater than or equal to 2mu_B. Extrapolation of our results combined with simulations of the loss processes indicate that it is possible to trap and evaporatively cool mu = 1mu_B atoms using buffer gas cooling.Comment: 17 pages, 4 figure

Calculating effective resistances on underlying networks of association schemes

Recently, in Refs. \cite{jsj} and \cite{res2}, calculation of effective resistances on distance-regular networks was investigated, where in the first paper, the calculation was based on stratification and Stieltjes function associated with the network, whereas in the latter one a recursive formula for effective resistances was given based on the Christoffel-Darboux identity. In this paper, evaluation of effective resistances on more general networks which are underlying networks of association schemes is considered, where by using the algebraic combinatoric structures of association schemes such as stratification and Bose-Mesner algebras, an explicit formula for effective resistances on these networks is given in terms of the parameters of corresponding association schemes. Moreover, we show that for particular underlying networks of association schemes with diameter $d$ such that the adjacency matrix $A$ possesses $d+1$ distinct eigenvalues, all of the other adjacency matrices $A_i$, $i\neq 0,1$ can be written as polynomials of $A$, i.e., $A_i=P_i(A)$, where $P_i$ is not necessarily of degree $i$. Then, we use this property for these particular networks and assume that all of the conductances except for one of them, say $c\equiv c_1=1$, are zero to give a procedure for evaluating effective resistances on these networks. The preference of this procedure is that one can evaluate effective resistances by using the structure of their Bose-Mesner algebra without any need to know the spectrum of the adjacency matrices.Comment: 41 page

A Dynamical Analysis of the Proposed Circumbinary HW Virginis Planetary System

In 2009, the discovery of two planets orbiting the evolved binary star system HW Virginis was announced, based on systematic variations in the timing of eclipses between the two stars. The planets invoked in that work were significantly more massive than Jupiter, and moved on orbits that were mutually crossing - an architecture which suggests that mutual encounters and strong gravitational interactions are almost guaranteed. In this work, we perform a highly detailed analysis of the proposed HW Vir planetary system. First, we consider the dynamical stability of the system as proposed in the discovery work. Through a mapping process involving 91,125 individual simulations, we find that the system is so unstable that the planets proposed simply cannot exist, due to mean lifetimes of less than a thousand years across the whole parameter space. We then present a detailed re-analysis of the observational data on HW Vir, deriving a new orbital solution that provides a very good fit to the observational data. Our new analysis yields a system with planets more widely spaced, and of lower mass, than that proposed in the discovery work, and yields a significantly greater (and more realistic) estimate of the uncertainty in the orbit of the outermost body. Despite this, a detailed dynamical analysis of this new solution similarly reveals that it also requires the planets to move on orbits that are simply not dynamically feasible. Our results imply that some mechanism other than the influence of planetary companions must be the principal cause of the observed eclipse timing variations for HW Vir. If the sys- tem does host exoplanets, they must move on orbits differing greatly from those previously proposed. Our results illustrate the critical importance of performing dynamical analyses as a part of the discovery process for multiple-planet exoplanetary systems.Comment: Accepted for publication in Monthly Notices of the Royal Astronomical Societ

Assessment of the visibility impairment caused by the emissions from the proposed power plant at Boron, California

The current atmospheric conditions and visibility were modeled, and the effect of the power plant effluent was then added to determine its influence upon the prevailing visibility; the actual reduction in visibility being a function of meteorological conditions and observer-plume-target geometry. In the cases investigated, the perceptibility of a target was reduced by a minimum of 10 percent and a maximum of 100 percent. This significant visual impact would occur 40 days per year in the Edwards area with meteorological conditions such as to cause some visual impact 80 days per year