An argument for refusing to publicly disclose supervisory ratings of the safety and soundness of banks rests on the claim that such disclosure will reduce supervisory effectiveness. Specifically, some argue that public disclosure of supervisory ratings will reduce the likelihood that bank supervisors take adverse, but deserved, actions against a bank such as a rating downgrade. This argument ha...

[email protected] • [email protected] • [email protected] Abstract Firms often manage cyber risks first by investing in security technologies and then by purchasing cyber insurance to cover for residual risk. However, despite the increasing dependence of firms on information assets, a mature market for cyber insurance is yet to emerge. Lack of actuarial data, market inexperience and account...

Security vulnerabilities are inextricably linked to information systems. Unable to eliminate these vulnerabilities, the security community is left to minimize their impact. Unfortunately, current reward structures may be skewed towards benefiting nefarious usage of vulnerability information rather than responsible disclosure. Recently suggested market-based mechanisms offer some hope by providi...

Snoek relaxation in bcc crystals is the delayed strain response to an applied stress resulting from interaction of interstitial atoms with field. It responsible for peak observed internal friction measurements ferrite. However, although martensite carbon supersaturated, several authors denied possibility bct-martensite. We investigated this matter by means Monte Carlo simulations and mean-field...

this paper dealswith thermo-mineral groundwater of themondragone plain (campania, southernitaly) and the possibility to use this low enthalpy geothermal resource. in the nw sector of this plain, at thebottom of mt. pizzuto, near the sea, there are thermo-mineral waters (50 °c) of sodium-chloride type,sulfureous and rich in co2 whose recharge is from the mt. pizzuto groundwater body. in the se s...

OBJECTIVES This study sought to validate a new method for direct volumetric blood flow measurement in coronary arteries in animals and in conscious humans during cardiac catheterization. BACKGROUND Direct volumetric measurement of blood flow in selective coronary arteries would be useful for studying the coronary circulation. METHODS Based on the principle of thermodilution with continuous ...

Different species and genotypes of Miscanthus were analysed to determine the influence of genotypic variation and harvest time on cell wall composition and the products which may be refined via pyrolysis. Wet chemical, thermo-gravimetric (TGA) and pyrolysis-gas chromatography-mass spectrometry (Py-GC-MS) methods were used to identify the main pyrolysis products and determine the extent to which...

This paper presents a theory of disclosure in a market where investors have heterogeneous beliefs and face short-sale constraints. Assets trade above fundamentals reflecting the value of the option to sell to more optimistic investors in the future. The initial seller has an incentive to commit to an imprecise disclosure policy, despite the negative effect this has on the fundamental value of t...