This is a very nice paper, well motivated and based on a unique dataset. Using loan-level data from community banks entering Federal Deposit Insurance Corporation (FDIC) receivership, the paper estimates the probability of default (PD) and loss-given default (LGD) of two distinct types of commercial real estate (CRE) loans. The authors also compare commercial real estate loans in community bank...

This paper describes the development of a web-based, code-compliant ASHRAE Standard 90.1-1999 commercial simulation for Texas. Included in the paper is a description of the software and database platform used in the web application and how this software is attached to the DOE-2 legacy software running on a cluster of servers. This tool will be used by commercial builders in Texas to check code ...

BACKGROUND Parents' knowledge influences decisions regarding medical care for their children. METHODS Parents of pediatric primary care patients aged 9-14 years, irrespective of height, participated in open focus groups (OFGs). Moderators asked the question, 'How do people find out about growth hormone (GH)?' Because many parents cited the Internet, the top 10 results from the Google searches...

Airborne light detection and ranging (lidar) has become a powerful support for acquiring geospatial data in numerous geospatial applications and analyses. However, the process of extracting ground points accurately and effectively from raw point clouds remains a big challenge. This study presents an improved top-hat filter with a sloped brim to enhance the robustness of ground point extraction ...

We present a novel dynamic network interdiction model that accounts for interactions between an interdictor deploying resources on arcs in a digraph and an evader traversing the network from a designated source to a known terminus, wherein the agents may modify strategies in selected subsequent periods according to respective decision and implementation cycles. For the resulting minimax model, ...

Measurements of the iron regulatory hormone hepcidin by various methodologies and laboratories are not harmonized. As a result different numeric results are obtained for the same clinical sample. We investigated whether better agreement between plasma hepcidin methods can be achieved by harmonization. Native plasma pools (n = 11) of a variety of hepcidin concentrations and blank plasma spiked w...