Traditional banking is built on four pillars: SME lending, access to public liquidity, deposit insurance, and prudential supervision. This vision has been shattered by repeated bailouts of shadow financial institutions. This paper puts “special depositors and borrowers” at the core of the analysis, provides a rationale for the covariation yielding the quadrilogy, and analyzes how prudential reg...

Despite the assumption that intergroup apologies should lead to forgiveness in same way interpersonal ones do, research suggests this is not case. We report two studies exploring application of Staircase Model Intergroup Apologies (Wohl et al., 2011), which an apology embedded a broader reconciliation process. Participants read accounts conflict (the “Troubles” Northern Ireland) and subsequent ...

Open innovation has been found to have many benefits and tangible results for those who partake in it. This study aims showcase the importance of open innovation, through a theoretical example present how an organization (university, research center, company, firm, etc.) can take action implement guidelines. In this paper, firstly, demonstration showing work with multiple partners is shown. Sec...

Correctly predicting transient particle transport in indoor environments is crucial to improving the design of ventilation systems and reducing the risk of acquiring airborne infectious diseases. Recently, a new model was developed on the basis of Markov chain frame for quickly predicting transient particle transport indoors. To evaluate this Markov chain model, this study compared it with the ...

Laparoscopic cholecystectomy has traditionally been performed using multiple small sites. Single-incision laparoscopic surgery has emerged as an alternative technique to improve cosmesis and minimize complications associated with multiple incisions. A retrospective study was performed of all patients who underwent laparoscopic cholecystectomy by a single surgeon (DTA) from April 2008 to August ...

KDD (Knowledge Discovery in Data Bases) is multi-step process. KDD is the process that navigation to knowledge from the data base according to user requirements. This paper mainly explains the concept of three phase iterative model of KDD. It elaborates the traditional process of KDD and also explains the various limitations in that process. This paper also explained the process of three phase ...

Traditional Chinese medicine has been used to treat disease in China for more than five thousand years. Over the last few decades it has been used increasingly in other countries as well. As its use has spread, interest in the adverse effects of traditional Chinese medicine, including epilepsy and epileptic seizures, has grown. To date, four types of traditional Chinese medicine have been found...

the forecasting of hydrological variables, such as streamflow, plays an important role in water resource planning and management. recently, the development of stochastic models is regarded as a major step for this purpose. streamflow forecasting using the arima model can be conducted when unknown parameters are estimated correctly because parameter estimation is one of the crucial steps in mode...