In this paper, we study the effect of legal reforms and institutional changes on credit market development and the low level of unpaid debt in the Chilean banking sector. Using time series data on yearly basis (1960-1997), we conclude that both information sharing and deep financial market liberalization during the seventies are positively related to the credit market development. Moreover, usi...

Asymmetry thesis and side-eeect problems in linear time and branching time intention logics. logical approach to high-level robot programming { a progress report.determinism: On having the ability to choose (extended abstract).

In this paper, kinetic models are discussed with respect to their uses in describing the intrinsic thermal mortality of insect pests. A unique heating block system was used to obtain kinetic information for the thermal mortality of codling moth larvae. The kinetic data demonstrated the possibility to develop high-temperature-short-time thermal treatments to control codling moth and reduce therm...

We report a precise match between the high temperature (D+2)-dimensional Tangherlini-AdS black hole and low quantum phonon gas in D-dimensional nonmetallic crystals residing (D+1)-dimensional flat spacetime. The is realized by use of recently proposed restricted phase space formalism for thermodynamics, result can be viewed as novel contribution to AdS/CMT correspondence on quantitative level.

in the present work, the effect of aluminum content, austenitizing temperature and austempering time and temperature on the mechanical properties and hardness of fe-c-al grey cast iron was investigated. for this purpose, three alloys containing 1, 2 and 4 weight percent of aluminum were provided. the tensile samples were austenitized at 850?c and 900?c for 120 min, followed by austempering proc...

thin films of sno2 nanowires were successfully prepared by using chemical vapor deposition (cvd) process on quartz substrates. afterwards, a thin  layer of palladium (pd) as a catalyst was coated on top of nanowires. for the deposition of pd, a simple and low cost technique of spray pyrolysis was employed, which caused an intensive enhancement on the sensing response of fabricated sensors. prep...

a refrigeration cycle is a chain of various pieces of equipment including compressors, condensers, evaporators, and expansion devices each of which takes on a particular thermodynamic process duty in the cycle that eventually results in the production of the required refrigeration. the results of optimized mixed refrigerant cycles (mrcs) in part i show that the configuration of mrc is an effect...

the aim of this study was to investigate the effect of ultrasound and drying pretreatments on apparent density as well as modeling apparent density during deep-fat frying of potato slices. ultrasound pretreatment was performed at 28 and 40 khz for 15 min and drying pretreatment were conducted at 80°c for 8 and 15 min. then, the frying process was done at 150, 170 and 190°c for 60, 120, 180 and ...

A high chlorinated alumina catalyst obtained by treating Pt/γ-Al2O3 (0.25 wt. % Pt) samples with two mixtures of CCl4/N2 and CCl4/N2/H2 was tested for the hydroisomerization of C6 alkane. The conversion of n-hexane feed was diluted with hydrogen performed with different H2/HC ratios at various temperatures, liquid hourly space velocities (LHSVs) and 3MPa total pressure. The catalyst introduced ...