A banking model is constructed where roles for government-provided deposit insurance and discount window lending arise when there are restrictions on branch banking. Banks arise endogenously as an efficient arrangement for sharing risk. Discount window lending permits better risk sharing by making bank assets more liquid, but is limited because of a moral hazard problem which arises from advers...

Acknowledgements: This research has been supported in part by a grant from the Social Sciences and Humanities Research Council of Canada (410-02-0705). The comments and suggestions of an anonymous referee were very helpful in improving the paper. This submission was handled by Gilbert Laporte. Abstract This paper studies the interplay between industrial firms and government concerning the colle...

Submitted: Jul 19, 2013; Accepted: Sep 3, 2013; Published: Sep 11, 2013 Abstract: The study of isotopic ratios of oxygen and carbon has gained importance to determine the origin of ore bearing fluids, carbon origin and also to determine the formation temperature of non-sulfide lead and zinc minerals. In order to determine the origin of fluids and carbon existing in zinc carbonate minerals in Ch...

Indium (In) is commonly hosted in Sn-rich deposits but rarely reported in Sn-poor deposits. However, an In-rich and Sn-poor skarn deposit, the Qibaoshan Cu-Zn-Pb deposit, has been identified in south China. Geochemical analyses were undertaken on 23 samples representing the following mineral assemblages: sphalerite-pyrite, pyrite-chalcopyrite, pyrite-sphalerite-galena-chalcopyrite, pyrite, magn...

Conclusions: Crystals forming mineral blocks of mostly compact matter are nucleated on organic substrates, with their growth controlled by the diffusion of building units through the virtually stagnant layer of interstitial fluid wetting the deposit surface. Preferentially formed precursors of hydroxyapatite, dicalcium, octacalcium and/or amorphous calcium phosphate, are in later stages of depo...

Soils overlying two porphyry Cu deposits (Spence, Gaby Sur) and the Pampa del Tamarugal, Atacama Desert, Northern Chile were collected in order to investigate the extent to which saline groundwaters influence ‘‘soil’’ chemistry in regions with thick Miocene and younger sediment cover. Soil carbonate (calcite) was analyzed for C and O isotopes and pedogenic gypsum for S isotopes. Soil calcite is...

Two organic deposits accumulated in a Kraft pulp mill during pulping of Eucalyptus globulus wood and throughout a TCF (totally chlorine free) bleaching sequence were characterized. One deposit was collected after cooking and an oxygen delignification stage while the other was collected after bleaching with hydrogen peroxide. The deposits were Soxhlet extracted with acetone, and the extracts red...

Spatially selective electrodeposition of poly-3,4-ethylenedioxythiophene (PEDOT) thin films on metallic surfaces is shown to be an effective means of visualizing latent fingerprints. The technique exploits the fingerprint deposit as an insulating mask, such that electrochemical processes (here, polymer deposition) may only take place on deposit-free areas of the surface between the ridges of th...