... five aspects ofthe borrower delinquencydefault behavior: the role ofthe government andthe role of borrower equity in affecting the risk of delinquency andof 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 ofthe purchase price or the value ofthe property at the ... delinquencies The fifth contribution of our study is the verification ofthe presence of a differing risk profile and behavior for a first time delinquent and a repeat delinquent In responding to the research...
... 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 ofthe study, developed the study design, and assisted in drafting the manuscript SBK participated inthe data analysis and interpretation, ... covariate inthe Cox regression All individuals were classified as having “no diagnosis” at the start ofthe study and changed to either “psychiatric diagnosis” or “PTSD diagnosis” at the month of their...
... 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 ... ofthe BTM inthe evaluation ofthe efficacy ofthe anti-osteroporotic treatment in men, e.g is the treatment-induced change inthe BTM levels predictive ofthe subsequent increase in BMD andof ... 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...
... 2004:54) The influence of Yin & Yang can also be seen inthe naming accounting technique of both Longmen Zhang bookkeeping, which emerged at the end ofthe Ming andthe beginning ofthe Qing dynasties; ... administration and finance Part ofthe reform ofthe 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 ofthe accounting profession in China was influenced by the economic, political, cultural, and...
... selective inhibitor of Glc6P hydrolysis [31], for evaluating the role of Glc6P, we determined the effect of different inhibitor concentrations on the Glc6P content andthe 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 inthe presence of S4048 was caused by the inhibition of Glc6P hydrolysis inthe absence of detectable changes in glucose phosphorylation...
... the year following the fracture Thirty-three percent ofthe increment in costs inthe first months after the fracture was the result of nursing home stays An understanding ofthe 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 inthe number of hip fractures between 1983 and 2010 with a 71% increase in resulting ... continued aging ofthe population, the annual number of fractures is expected to rise dramatically in coming decades Inthe United States, for example, the number of individuals aged 65 years and...
... distribution lists and website message boards regarding a study investigating ‘opinions about food’ inthe Denver Metro and Northern Colorado areas No further information regarding the purpose ofthe study ... sex, level of fullness and interactions where included inthe repeated measures analyses of variance model when testing the effect of portion size on ratings Inthe 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...
... reduction ofthe in- plane carrier effective mass and a reduction of intervalley scattering The presence of strain resulted inthe lifting ofthe degeneracy ofthe 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 inthe valence band while the band offset inthe conduction band is small ... the degeneracy between the heavy andthe light hole bands and spin-orbit band moves further down This reduces the inter-valley scattering ofthe holes hence increases the in- plane hole mobility...
... 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 ofthe organically ... effect of red mud inthe initial sludge mixture and into oxides bound Ni with composting The composting process humified the organic matter inthe sludge releasing Ni from the bound sites on the ... gave the following order of stability of humic complexes: Cu >> Zn > Mn inthe research ofthe metal speciation in urban sludge Duquet and V~dy (1991) concluded that inthe case of Cu, the organic...
... made the song newer, brings the song back to the listener with the whole new style andthe 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 ofthe 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 Inthe 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...
... reduce the extent of burning of last portions of fuel injected into the prechamber The unburned fuel inthe prechamber may therefore increase with load, but its burning rate inthe main chamber ... because ofthe increase of injection pressure andthe increase ofthe injected fuel mass due to the increased effective flow area with increased nozzle needle lift Therefore, as shown in Figure ... (BSFC) ofthe IDI engine to increase andthe total engine efficiency to decrease compared to that of a DI diesel engine Because of these disadvantages ofthe IDI diesel engines, most engine research...
... the material is available or not, the interest ofthe class andthe teacher, the place in which the work is being carried out, the nature andthe content ofthe listening text itself If one of ... prediction and selection Inthe second stage of decoding-making sense ofthe message they describe listening process the following model Perception of sounds, words shapes Initial recognition ofmeaning ... 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 ofthe listener andthe types of text...
... agency of both the National Academy of Sciences andthe National Academy of Engineering in providing services to the government, the public, andthe scientific and engineering communities The Council ... achievements of engineers Dr Wm A Wulf is president ofthe 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 inthe examination of policy matters pertaining to the health ofthe public The Institute acts under the responsibility given to the National...
... demonstrated by the ratio ofthe formation rates ofthe two diol-epoxides, DE2 and DE1 These differ only inthe conformation ofthe 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 ofthe vesicular ... striking evidence for the importance ofthe hexagonal phase forming tendency ofthe membrane The two di-18:1-acyl-PtdEtn, Ole2PtdEtn and Ela2PtdEtn, differ only in their conformation ofthe double...
... function of plant growth stage at the time ofthe 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 ... effectsof elevated O3 concentrations Table also includes a summary ofthe findings of studies focusing on the interactive effectsof O3 and water stress, O3 with NOx and/ or SO2, O3 with CO2 and...
... considerably increased on the Alpine and Apennine peaks and this also continued inthe Pliocene period, resulting inthe depositing at the feet ofthe chains of huge deposits of sand, gravel and clay There ... are those ofthe Tavoliere in Puglia andthe Piana di Sibari in Calabria On the islands there are the plain of Catania in Sicily and that ofthe Campidano in Sardinia The islandsBesides the reliefs ... from the north into the Po, andthe Arno and Tiber, flowing through central Italy into the Tyrrhenian The other main tributaries ofthe Po are the Ticino, Adda and Oglio, arising inthe Alps, the...
... no change inthe qualitative nature ofthe 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 ofthe required quality premium, say 25%, this would merely serve to change the point inthe quality space where the discontinuities occur Inthe case of end-point optima, the resulting ... we determine the boundaries ofthe sub-spaces ofthe quality variable These correspond to the quality levels offered inthe past at which consumers had made purchases Then, for each of these subspaces,...
... analyzing the data and writing the paper, with all ofthe authors contributing by reviewing and editing drafts ofthe 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 ofthe authors were involved in designing the research BE and JLL conducted the research and DD oversaw management ofthe restaurant BE...