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Tài liệu The challenges facing community banks: In their own words docx

... years can hedge against the risk that rates will rise (squeezing their profit margins by increasing the cost of their short-term deposit funding) by entering into fixed or floating rate swaps Similarly, ... from the community bankers that best reflect the challenges and issues facing the community banking sector A full summary of the results can be read in the Federal Reserve System’s (2002) Community ... understand the business strategies community banks are implementing to remain viable in a changing banking environment and to determine what community banks require from the payments system in order...

Tài liệu Báo cáo khoa học: "The Structure of User-Adviser Dialogues: Is there Method in their Madness?" pdf

... distinguishes three structures in a discourse structure: 1) the structure of the sequence of utterances, 2) the structure of the intentions conveyed, and 3) the attentional state Distinguishing ... antecedents of pronominal and nonpronominal definite noun phrases on the basis of the type of dialogue structure exemplified in this paper The analysis of boundary markers reveals reliable and distinctive ... for Computational Linguistics, University of Chicago, Chicago Guindon, R., Sladky, P., Brunner, H., Conner, J 1986 The structure of user-adviser dialogues: Is there method in their madness ? Microelectronics...

A Review of Approaches to Mobility Telemonitoring of the Elderly in Their Living Environment potx

... selecting a therapy The clinician examines the advantages and disadvantages of employing telemonitoring, and also examines the advantages and disadvantages of not employing telemonitoring, which ... messaging Internet transfer Internet transfer A Review of Approaches to Mobility Telemonitoring Telemonitoring data logging systems allow the person to be monitored regardless of their location and ... Wearable data forwarding systems, the lightest wearable option, are suited to the frail and housebound as they analyze the data in real-time and can raise immediate alerts Data-logging wearables...

In Their Own Language…Education for All pdf

... outweighed the incremental costs of establishing and maintaining schooling in local languages (production of learning materials, teacher training, etc.) In Mali, for instance, a World Bank study found ... reform to include (i) teacher training in active and effective teaching methods, (ii) a transfer to the second language in the early grades and (iii) changing examination policies and ensuring ... avoid internal conflict For example, upon independence, the Government of Eritrea committed to providing public education in all of its languages, in part to avoid internal disunity A more pressing...

Beyond Remittances: The Role of Diaspora in Poverty Reduction in their Countries of Origin pptx

... and their descendents can make and have made to their countries of origin and of settlement The focus of this paper is on the role of Diaspora communities in reducing poverty in their home countries ... contrasting patterns China The Chinese Diaspora originated in the sea-faring communities of the southern coastal provinces and the trading outposts they established in the littoral cities of Southeast ... particular theme; in 2004 the theme was “Transforming the local everywhere,” focusing on “how Africans in the UK are promoting change both in the UK and in their regions of origin [addressing] the issues...

Báo cáo khoa học: The Rab5 effector Rabaptin-5 and its isoform Rabaptin-5d differ in their ability to interact with the small GTPase Rab4 doc

... therefore used this assay to analyze the interaction of Rabaptin-5d with Rab4 and Rab5 Similarly to Rabaptin-5, Rabaptin-5d was not able to bind Rab4 or Rab5 in the inactive, GDP-bound form as ... Rab4 binding domain, and the region deleted in Rabaptin-5d are numbered according to the amino acid sequence of mouse Rabaptin-5 (GeneBank Accession No D86066) Results Rabaptin-5d interacts differentially ... differentially with the small GTPases Rab4 and Rab5 The interaction of Rabaptin-5 with the small GTPases Rab4 and Rab5 can be assessed readily in the yeast two-hybrid system [12,14] We therefore used...

Báo cáo khoa học: Apo a-lactalbumin and lysozyme are colocalized in their subsequently formed spherical supramolecular assembly doc

... near 4–5) and their calcium-binding properties (a-lactalbumin has a speciﬁc calcium-binding site) Interestingly, the formation of spherical particles containing the two proteins in an equimolar ... calcium-depleted a-lactalbumin (apo a-LA) and chemically unmodiﬁed hen egg-white lysozyme (LYS) [3] LYS and a-lactalbumin are two related proteins of 129 and 123 amino acid residues, respectively, which share ... events involved in protein self -assembly (driving forces, nature and energy of the interactions) leading to different supramolecular structures [3], and for the control and orientation of protein interactions...

Beyond the Golden Section and Normative Aesthetics: Why Do Individuals Differ so Much in Their Aesthetic Preferences for Rectangles? pot

... is therefore possible to discuss tastes and argue about them because people genuinely differ in their tastes, in their aesthetic preferences, and, hence, in what they regard as beautiful Nevertheless, ... arbitrary (and, for instance, participants have aesthetic preferences for some random dot patterns over others; McManus & Kitson, 1995) The great art critic and historian, Heinrich 123 Wolfflin, in his ... taste and preference (see also Jacobsen, 2004), and rectangle aesthetics is also dominated by individual differences in preference It is time to go beyond a normative aesthetics based in the mathematics...

Báo cáo khoa học: The isopenicillin N acyltransferases of Aspergillus nidulans and Penicillium chrysogenum differ in their ability to maintain the 40-kDa ab heterodimer in an undissociated form pdf

... [pPBCab] containing the penDE gene of P chrysogenum without and with induction (note formation of the 29-kDa and 11-kDa subunits in lane 2); lanes and 4, E coli [pULCTab] containing the penDE gene ... 15-min pulse of [35S]methionine/[35S]cysteine Lanes 3, 6, 9, 12 and 15 were not induced In the autoradiography, note the formation of a 40-kDa labelled protein in lanes and (containing the ab constructions) ... induction and lanes and with 0.5 mM IPTG) Lanes 3, 4, 10 and 11, E coli [pULCTab], contains the gene penDE from A nidulans (lanes and 10 without IPTG induction and lanes and 11 with 0.5 mM IPTG) Lane...

báo cáo hóa học: " Responsiveness of the EQ-5D in breast cancer patients in their first year after treatment" ppt

... curatively treated breast cancer patients [10] to address whether the EQ-5D is responsive to changes in HRQoL in a population of breast cancer patients in their first year after treatment Methodology ... Conclusion In this study the responsiveness of the EQ-5D was investigated for its use in economic evaluations of health interventions in breast cancer patients after primary treatment The EQ-5D was ... examine responsiveness, SRMs were calculated for the EQ-5D Index and EQ VAS (table 2) In the subgroup of patients whose global health had not changed, accordingly, neither the SRM of the EQ-5D Index,...

Báo cáo sinh học : "How do terrestrial Antarctic organisms survive in their harsh environment" ppt

... first step in understanding the survival mechanisms of terrestrial Antarctic organisms References Convey P, Stevens MI: Antarctic biodiversity Science 2007, 31 7: 1877-1878 Convey P: The influence ... were involved in environmental information processing (including a homolog of type II antifreeze protein from fish (GenBank accession number FK670242)), 23 with genetic information processing, ... implicated in protein turnover during Journal of Biology 2009, 8:3 9 http://jbiol.com/content/8/4/39 Journal of Biology 2009, development and differentiation in C elegans, especially in molting In addition...

Báo cáo lâm nghiệp: "Growth, allocation and leaf gas exchanges of hybrid poplar plants in their establishment phase on previously forested sites: eﬀect of diﬀerent vegetation" docx

... 3.4 Hybrid poplar biomass partitioning Variations in biomass partitioning were mainly associated to tree height (Tab II) In the 2YS, plants decreased their allocation to roots and rapidly increase ... testing such a set of treatments in natural conditions in regions not limited by water shortage are not common In addition, in Canada there have been few studies focusing on weed management in hybrid ... SWC monitoring was reduced to one date (in the middle of the growing season) that we consider as representative of the mean soil water conditions of the site during the measurement period On August...

Báo cáo toán học: "Maximum exponent of boolean circulant matrices with constant number of nonzero entries in their generating vector" docx

... exponent attained by matrices in Cn,r and give matrices attaining such exponent In this paper we solve this question Note that matrices in Cn,r are r-regular, that is, the number of nonzero entries ... that, since C is circulant, the positions of the nonzero entries in the bi -th row of C are given by j0 + bi (mod n), , jr−1 +bi (mod n) Then, the nonzero entries in the generating vector of C ... the exponent of C is the order of S Thus, we show that the study of the maximum exponent attained by matrices in Cn,r is equivalent to the study of the maximum order of bases for Zn with cardinality...

Báo cáo lâm nghiệp: "Stomatal response of Quercus pyrenaica Willd to environmental factors in two sites differing in their annual rainfall (Sierra de Gata, Spain)" potx

... 1994) In order to interpret plant responses to fluctuations in several major environmental factors, a boundary-line analysis was applied A semi-empirical model of stomatal conductance was used to ... the two extremes of a rainfall gradient in this area (annual mean precipitation ranging from 720 mm at FG, with characteristics of greater continentality according to the hygrocontinentality index ... certain degree of tolerance to drought (Epron and Dreyer, 1993): the main features of this tolerance are probably deep rooting, maintenance of high transpiration and stomatal conductance during...

Báo cáo khoa học: "Photochemical efficiency of photosystem II in rapidly dehydrating leaves of 11 temperate and tropical tree species differing in their tolerance to drought" doc

... levels of D finally resulted in a reincrease of m’ /F v’ F and in a strong decline of qp Despite large differences in leaf strucspecies, only minor variations tures among detected in PS II photochemical ... dark, on PSII photochemical efficiency of dark-adapted leaves and after a 10-min induction period at 220 μmol m s on leaf disks from seed-2 -1 lings of a broad range of species, including mesophytic ... adaptations? The photoin leaves many authors claim that the main effect of water strees is to induce stomatal closure and to limit photosynthesis via reduced supply of CO to chloroplasts (Comic...

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