We contend that a range of phenomena characterizing temperate deposit-feeding communities in low-energy environments is strongly organized by two principal opposing forces: (1) spatially localized inputs of detritus or new recruits, leading to amosaic of initial patches, with subsequent impacts on spatio-temporal variation of species with limited mobility; and (2) the impact of mobile consumers...

Informal lending and savings institutions exist around the world, and often include regular door-to-door deposit collection of cash. Some banks have adopted similar services in order to expand access to banking services in areas that lack physical branches. Using a randomized control trial, we investigate determinants of participation in a deposit collection service and evaluate the impact of o...

Banks are required to hold capital primarily as a buffer against future losses and in order to reduce the exposure of the deposit insurer. However, as regulators and researchers have recognized, changes in capital requirements also affect bank portfolio behavior. It is possible that increased capital requirements may lead banks to increase their riskiness and thus increase their expected losses...