Paying off the mortgage, once a widespread rite of passage for homeowners approaching retirement, has become less common in recent years. Concerns are mounting that the increased prevalence of housing debt among older homeowners could compromise financial security in retirement by expanding housing affordability problems, crimping essential nonhousing spending, increasing vulnerability to home ...

We apply the dressing method to a string solution given by a static string wrapped around the equator of a three-sphere and find that the result is the single spike solution recently discussed in the literature. Further application of the method allows the construction of solutions with multiple spikes. In particular we construct the solution describing the scattering of two single spikes and c...

Early detection of glaucoma is important to slow down progression of the disease and to prevent total vision loss. We have been studying an automated scheme for detection of a retinal nerve fiber layer defect (NFLD), which is one of the earliest signs of glaucoma on retinal fundus images. In our previous study, we proposed a multi-step detection scheme which consists of Gabor filtering, cluster...

The purpose of this study is to investigate the effect of chest wall configuration at end expiration on tidal volume (VT) response during CO2 rebreathing. In a group of 11 healthy male subjects, the changes in end-expiratory and end-inspiratory volume of the rib cage (delta Vrc,E and delta Vrc,I, respectively) and abdomen (delta Vab,E and delta Vab,I, respectively) measured by linearized magnet...

Keith Sill is a senior economist in the Research Department of the Philadelphia Fed. Our economy has become increasingly global. We import and export more than ever before. Yet, three facts about international financial transactions, when taken together, pose a puzzle. First, financial capital moves freely across country borders, at least in the case of the developed countries. Returns on simil...

New observations suggest that dwarf galaxies pervade the universe, for they have been encountered in large numbers in the field (Marzke et al. 1998), groups (Côté et al. 1977), and clusters of galaxies (e.g. Trentham 1998). Some early studies encountered an over-abundance of dwarfs in clusters (e.g. Sandage et al. 1985) in the nearby universe. Studies at higher redshifts also suggested large nu...

The origin of horizontal magma-filled sills is disputed, particularly for extensional settings where the opening vertical dikes predicted mode magma intrusion. We simulate long-term extension followed by short-term dike in a two-dimensional viscoelastic medium representing plate spreading center. show that extensionally stressed lithosphere can reduce sublithospheric stresses enough sill given ...