If given the opportunity to reduce your debt, albeit at some financial risk, would you take it? Interviews and observations in two debt settlement firms show that debt settlement clients tend not to calculate financial risks in deciding which debts to try to settle. Rather, they treat their relationship with their creditor as a reciprocal and ongoing one. If the service provided by their credit...

This paper explores the properties of daily changes in the prices for near-term fed funds futures contracts. The paper finds these contracts to be excellent predictors of the fed funds rate, and shows that the claim of a nonzero term premium in the short-horizon contracts is more sensitive to outliers than previous research appears to have recognized. I find some statistically significant evide...

For sessile marine invertebrates, processes contributing to larval release, dispersal, and settlement in favourable habitats are central to patterns of distribution and community structure. We quantified larval release patterns, phototactic behaviour, and settlement in response to environmental cues for the coral reef sponge Luffariella variabilis. Individual sponges released up to 830 larvae d...

Buprenorphine is a partial mu agonist and kappa antagonist which is used for the treatment of pain and opioid addiction. A mixture of buprenorphine hydrochloride and naloxone hydrochloride has been approved for the treatment of opioid dependence.In this study a third order derivative spectrophotometric method based on zero-crossing technique has been used for the simultaneous determination of b...

The purpose of this study is to show how coloured Petri nets can be used select the crossing rules guaranteeing that two ships avoid collisions at sea in accordance with international regulations on matter. This paper exclusively focused solution small sub-problem within overall “Collision Avoidance System” authors present are currently developing. For easier understanding, system also briefly ...

equal channel angular rolling (ecar) is a severe plastic deformation method that covered plasticdeformation of sheets. in this study, effects of ecar route shave been investigated on themechanical and microstructure properties of explosive-welded al-cu bimetal. at first, the explosivewelding process has been performed to prepare the al-cu bimetals. then, to relieve the stress andpreparing of sa...

producing hybrid lettuce is prevented by flower structure and usually lead to selfing. based on it, this experiment was carried out to evaluate the performance of different physical and chemical emasculation methods for producing lettuce hybrid seed. a numbers of cultivars with dominant and recessive traits were used as male and female parents, respectively. in the first experiment, physical em...

Zip product was recently used in a note establishing the crossing number of the Cartesian product K1,n2Pm. In this paper, we further investigate the relations of this graph operation with the crossing numbers of graphs. First, we use a refining of the embedding method bound for crossing numbers to weaken the connectivity condition under which the crossing number is additive for the zip product....

LL present theories of crossing over tacitly assume that events in one tetA rad (at least as far as crossing over is concerned) are independent of those occurring in the other tetrads of the cell. Yet as long ago as 1919 STURTEVANT suspected that the presence of a heterozygous inversion in one chromosome pair increases crossing over in a non-homologous pair of chromosomes. The effect was defini...