FDIC Chairman Sheila C. Bair has expressed a desire to determine how safe and affordable small-dollar lending can be expanded and become more of a staple product for all banks.2 Pilot banks have demonstrated that the Safe, Affordable, and Feasible Small-Dollar Loan Template is relatively simple to implement and requires no particular technology or other major infrastructure investment. Moreover...

This research paper outlines the findings of a multiple research study among 25 small and micro retail companies throughout Wales regarding e-commerce usage. The key aim of the research has been to establish the level of e-commerce usage among these companies, in accordance with the Connectivity Indicator and E-commerce Adoption Model, developed by the UK Department of Trade and Industry. Moreo...

expense and have acceptably low revenue implications. Disturbances of cardiac rhythm are common in general practice,68 and Shaper was able to show electrocardiographic evidence of ischaemic heart disease in 15% of a large sample of men aged 40-59.9 Perhaps most tellingly, home care of patients with acute myocardial infarction cannot be contemplated without establishing the diagnosis. More recen...

Purpose Over one million organisations have a quality management system (QMS) certified to the ISO 9001 standard; however, requires lot of resources and its value has been questioned. This critique also leads questioning strategic relevance management. The purpose this paper is explore how different types uses QMS correlate with perceptions in terms respect, cost importance. Design/methodology/...

corrosion of steel reinforcement is one of the most prevalent causes of reinforced concrete (rc) structures deterioration in chloride-contaminated environments. as a result, evaluating the impact of any possible corrosion-induced damages to reinforced concrete bridges strongly affects management decisions: such as inspection, maintenance and repair actions. the corrosion propagation phase is a ...

The obvious starting point for investigating meaning is the analysis of natural languages and their usage. Even from ancient times, examination of reasoning expressed in natural language revealed that patterns of valid inference often follow certain patterns. Moreover, these can be expressed as formal rules that are idealisations of actual natural language arguments (e.g. Aristotle’s syllogisms...

Increasing numbers of girls and women are using tobacco worldwide. As a marginalized population, women are targeted for the sale of tobacco products and social structures are organized in a manner that increases their tobacco usage. Furthermore, as a result of their anatomy and physiology, women experience greater health problems than their male counterparts when consuming the same amount of to...

Capacity planning is a critical task in network management. It identifies how much capacity is needed to match future traffic demand. It directly affects customer satisfaction and revenues. In this work we present a network usage analysis tool called Dynamic Netvalue Analyzer (DNA), which helps alleviate a big problem that network engineers and marketing executives face– making optimal resource...

Mitotic chromosome segregation requires the removal of physical connections between sister chromatids. In addition to cohesin and topological entrapments, sister chromatid separation can be prevented by the presence of chromosome junctions or ongoing DNA replication. We will collectively refer to them as DNA-mediated linkages. Although this type of structures has been documented in different DN...