... five aspects of the borrower delinquencydefault behavior: the role of the government and the role of borrower equity in affecting the risk of delinquency and of default; the presence of a significant ... further the ordinary account savings after the Valuation Limit (VL) is reached and loan balance is still outstanding The VL is the lower of the purchase price or the value of the property at the ... delinquencies The fifth contribution of our study is the verification of the presence of a differing risk profile and behavior for a first time delinquent and a repeat delinquent In responding to the research...
Ngày tải lên: 04/10/2015, 10:26
... Marines is consistent with other literature, and a number of theories have been posited to explain the relationship, including the selfmedication hypothesis, the sensation-seeking hypothesis, and ... performed the data analysis, and drafted the manuscript GEL conceived of the study, developed the study design, and assisted in drafting the manuscript SBK participated in the data analysis and interpretation, ... covariate in the Cox regression All individuals were classified as having “no diagnosis” at the start of the study and changed to either “psychiatric diagnosis” or “PTSD diagnosis” at the month of their...
Ngày tải lên: 11/08/2014, 16:22
Tài liệu Osteoporosis in Men: The Effects of Gender on Skeletal Health Second Edition pptx
... distinct from cartilage) include: osteonectin (SPARC), the matrillins, the thrombospondins, the tenascins, the galectins, periostin and osteopontin and BSP (SIBLINGs) Each of these proteins is ... of the BTM in the evaluation of the efficacy of the anti-osteroporotic treatment in men, e.g is the treatment-induced change in the BTM levels predictive of the subsequent increase in BMD and of ... with the individual chains having the amino acid sequence (X-YGly)n, where X and Y are any amino acids, often proline and hydroxyproline, and glycine is the only amino acid small enough to fit in...
Ngày tải lên: 14/02/2014, 21:20
Tài liệu THE HISTORICAL EVOLUTION OF ACCOUNTING IN CHINA: THE EFFECTS OF CULTURE docx
... 2004:54) The influence of Yin & Yang can also be seen in the naming accounting technique of both Longmen Zhang bookkeeping, which emerged at the end of the Ming and the beginning of the Qing dynasties; ... administration and finance Part of the reform of the system of accounting and auditing was to replace the Ministry of Revenue with the Ministry of Finance and Expenditure, which was responsible for the ... 3.6 China’s Accounting Development from the Beginning of 20th Century and to the End The evolution of the accounting profession in China was influenced by the economic, political, cultural, and...
Ngày tải lên: 17/02/2014, 10:20
Tài liệu Research "Increasing Quality and Equity in Education: The Case of Chile " doc
Ngày tải lên: 18/02/2014, 11:20
Báo cáo khoa học: The role of glucose 6-phosphate in mediating the effects of glucokinase overexpression on hepatic glucose metabolism pdf
... selective inhibitor of Glc6P hydrolysis [31], for evaluating the role of Glc6P, we determined the effect of different inhibitor concentrations on the Glc6P content and the rate of glycogen synthesis in ... Harndahl et al ¨ levels through the interaction of glucokinase with binding proteins [5,6] The glucokinase regulatory protein (GKRP) is a specific inhibitor of glucokinase [5] and also a nuclear receptor ... 0.1 vs 1.5 ± 0.1) These results suggest that the increase of Glc6P in the presence of S4048 was caused by the inhibition of Glc6P hydrolysis in the absence of detectable changes in glucose phosphorylation...
Ngày tải lên: 16/03/2014, 14:20
Osteoporosis in Men: The Effects of Gender on Skeletal Health pot
... the year following the fracture Thirty-three percent of the increment in costs in the first months after the fracture was the result of nursing home stays An understanding of the i n c r e m ... 10,150 in 1986 to 18,550 in 2011 (Lord and Sinnett, 1986) Health authorities in Finland anticipate a 38% increase in the number of hip fractures between 1983 and 2010 with a 71% increase in resulting ... continued aging of the population, the annual number of fractures is expected to rise dramatically in coming decades In the United States, for example, the number of individuals aged 65 years and...
Ngày tải lên: 28/03/2014, 23:20
Báo cáo y học: "Assessing food appeal and desire to eat: the effects of portion size & energy density" pptx
... distribution lists and website message boards regarding a study investigating ‘opinions about food’ in the Denver Metro and Northern Colorado areas No further information regarding the purpose of the study ... sex, level of fullness and interactions where included in the repeated measures analyses of variance model when testing the effect of portion size on ratings In the case of a significant interaction, ... available regarding the relations between liking and wanting and hunger and satiation Epstein and colleagues have shown that the depravation of food can selectively influence the willingness to work...
Ngày tải lên: 14/08/2014, 08:20
Structural, electrical and optical studies on the effects of rapid thermal processing on silicon germanium carbon films
... reduction of the in- plane carrier effective mass and a reduction of intervalley scattering The presence of strain resulted in the lifting of the degeneracy of the bands of interest (i.e the valence band ... strain The band offset is shown and it is known as type I straddling alignment (Fig.2.3 (a)) The entire band offset occurs in the valence band while the band offset in the conduction band is small ... the degeneracy between the heavy and the light hole bands and spin-orbit band moves further down This reduces the inter-valley scattering of the holes hence increases the in- plane hole mobility...
Ngày tải lên: 17/09/2015, 17:18
The effects of clay a m e n d m e n t and composting on metal speciation in digested sludge liang qiao
... with the finding for red mud MSW compost (Hofstede, 1994) The leachable Cu increased during the composting process following the thermophilic stage and was likely due to the release of the organically ... effect of red mud in the initial sludge mixture and into oxides bound Ni with composting The composting process humified the organic matter in the sludge releasing Ni from the bound sites on the ... gave the following order of stability of humic complexes: Cu >> Zn > Mn in the research of the metal speciation in urban sludge Duquet and V~dy (1991) concluded that in the case of Cu, the organic...
Ngày tải lên: 23/09/2012, 14:47
Music cover, the effects of it and The attitudes of NEU’s students to Music cover in Vietnam
... made the song newer, brings the song back to the listener with the whole new style and the performance is completely like remaining the life for the song The cover music in Vietnam is the kind of ... meanings When audience can understand the lyrics of the original song and they make comparison, they mainly recognize that major of covered songs are not as good as the original ones Hence, they ... at the moment In the paper, there are three important points which are mentioned: (1) The real definition of music cover and NEU’s students’ knowledge about the definition (2) The influence of...
Ngày tải lên: 21/04/2013, 20:53
A computational study to investigate the effects of insulation and EGR in a diesel engine
... reduce the extent of burning of last portions of fuel injected into the prechamber The unburned fuel in the prechamber may therefore increase with load, but its burning rate in the main chamber ... because of the increase of injection pressure and the increase of the injected fuel mass due to the increased effective flow area with increased nozzle needle lift Therefore, as shown in Figure ... (BSFC) of the IDI engine to increase and the total engine efficiency to decrease compared to that of a DI diesel engine Because of these disadvantages of the IDI diesel engines, most engine research...
Ngày tải lên: 05/09/2013, 16:11
The effects of bottom up techniques in teaching listening skills to first year students at the university of fire fighting and prevention
... the material is available or not, the interest of the class and the teacher, the place in which the work is being carried out, the nature and the content of the listening text itself If one of ... prediction and selection In the second stage of decoding-making sense of the message they describe listening process the following model Perception of sounds, words shapes Initial recognition of meaning ... Types of listening There are many different types of listening We can classify these according to a number of variables, including listening purposes, the role of the listener and the types of text...
Ngày tải lên: 07/09/2013, 13:48
Tài liệu Gulf War and Health: Volume 4. Health Effects of Serving in the Gulf War docx
... agency of both the National Academy of Sciences and the National Academy of Engineering in providing services to the government, the public, and the scientific and engineering communities The Council ... achievements of engineers Dr Wm A Wulf is president of the National Academy of Engineering The Institute of Medicine was established in 1970 by the National Academy of Sciences to secure the services of ... services of eminent members of appropriate professions in the examination of policy matters pertaining to the health of the public The Institute acts under the responsibility given to the National...
Ngày tải lên: 16/02/2014, 01:20
Báo cáo khoa học: Epoxidation of benzo[a]pyrene-7,8-dihydrodiol by human CYP1A1 in reconstituted membranes Effects of charge and nonbilayer phase propensity of the membrane pot
... demonstrated by the ratio of the formation rates of the two diol-epoxides, DE2 and DE1 These differ only in the conformation of the 9,10-epoxy-group, anti in DE2 and syn in DE1 The respective data in Fig ... stoichiometry of 0.9, and molar lipid/protein ratio of 1200 The intra- and interday degree of variation in relative P450, reductase, and lipid content did not exceed 10% in any of the vesicular ... striking evidence for the importance of the hexagonal phase forming tendency of the membrane The two di-18:1-acyl-PtdEtn, Ole2PtdEtn and Ela2PtdEtn, differ only in their conformation of the double...
Ngày tải lên: 08/03/2014, 10:20
Báo cáo " PROTECTING AGRICULTURAL CROPS FROM THE EFFECTS OF TROPOSPHERIC OZONE EXPOSURE: Reconciling Science and Standard Setting in the United States, Europe, and Asia" ppt
... function of plant growth stage at the time of the excess O3 The level approach would include consideration of parameters that in uence the flux of O3 into the plant and which are critical in converting ... at the individual plant and leaf level in order to explain the variation in O3-dose/yieldreduction–response relationships There is, however, an increasing interest in better understanding the ... effects of elevated O3 concentrations Table also includes a summary of the findings of studies focusing on the interactive effects of O3 and water stress, O3 with NOx and/ or SO2, O3 with CO2 and...
Ngày tải lên: 17/03/2014, 19:20
industry and the effects of climate in italy
... considerably increased on the Alpine and Apennine peaks and this also continued in the Pliocene period, resulting in the depositing at the feet of the chains of huge deposits of sand, gravel and clay There ... are those of the Tavoliere in Puglia and the Piana di Sibari in Calabria On the islands there are the plain of Catania in Sicily and that of the Campidano in Sardinia The islandsBesides the reliefs ... from the north into the Po, and the Arno and Tiber, flowing through central Italy into the Tyrrhenian The other main tributaries of the Po are the Ticino, Adda and Oglio, arising in the Alps, the...
Ngày tải lên: 21/03/2014, 22:04
The Effects of Sensitization and Habituation in Durable Goods Markets ppt
... no change in the qualitative nature of the results Therefore, we used the assumption of requiring only strict increase in quality We also tested other initial levels of α0, β0, and Φ0 The results ... specify the size of the required quality premium, say 25%, this would merely serve to change the point in the quality space where the discontinuities occur In the case of end-point optima, the resulting ... we determine the boundaries of the sub-spaces of the quality variable These correspond to the quality levels offered in the past at which consumers had made purchases Then, for each of these subspaces,...
Ngày tải lên: 30/03/2014, 09:20
Looking at the label and beyond: the effects of calorie labels, health consciousness, and demographics on caloric intake in restaurants
... analyzing the data and writing the paper, with all of the authors contributing by reviewing and editing drafts of the manuscript All authors read and approved the final manuscript Page of Concerns ... medium- and high-calorie diners People visiting for business reasons Page of were just the opposite, accounting for 30% of low-calorie diners but only 16.1% and 11.1% of medium- and highcalorie diners, ... Davis, no competing interests Authors’ contributions All of the authors were involved in designing the research BE and JLL conducted the research and DD oversaw management of the restaurant BE...
Ngày tải lên: 08/04/2014, 18:33