This paper explores sources of deposit dollarization unrelated to standard moral hazard arguments. We develop a model in which banks choose the optimal currency composition of their liabilities. We argue that the equal treatment of peso and dollar claims in the event of bank default can induce banks to attract dollar deposits above the socially desirable level. The distortion arises because dol...

phosphorus solubilizing microorganisms are capable of transforming insoluble phosphorus (p) forms to soluble and bioavailable p. the aim of the present study was to isolate p solubilizing bacteria from forest soils around the rock phosphate (rp) mine of koh-e-sepidlar in kohgiluyeh and boyer ahmad province and evaluate their ability in sperber culture medium and wheat straw medium in the presen...

Tobene is the third exploitation panel of Taiba Phosphate deposits. It divided into five sectors and its started in 2003 after closure Ndomor Keur Mor Fall panels. The phosphate deposit has been object several studies based on lithology, biostratigraphy, geochemistry, petrography; however, few investigations variation thickness layer within Tobène sector have conducted. This study seeks to anal...

phosphorus (p) is one of the most vital elements for all living organisms which acts as aconstituent of essential biomolecules such as nucleic acids, phospholipids, and phosphosugars,and as a major contributor to almost all metabolic reactions including photosynthesis,respiration, and energy delivery. it is one of the most needed nutrients for plant growth anddevelopment. despite high levels of...

We study two reservation deposit policies for a service rm to increase its revenue through higher capacity utilization. First, under the no deposit policy, the rm requires no reservation deposit and imposes no no show penalty. Anticipating potential no shows, a rm may overbook; hence, there is no guarantee that the reserved service will be provided under the no deposit policy. On the contrary, ...

Adrian C. Sewell, PhD, Department of Pediatrics, University Children’s Hospital, Theodor-Stern-Kai 7, D-60590 Frankfurt am Main (Germany) Dear Sir, In the course of studying patients with suspected renal calculi, 24-hour urine collections for the determination of calcium and phosphate are mandatory [1]. Recently such an analysis was performed on 3 consecutive 24-hour urines from a patient who h...