Applicability of generic linear scoring mosels in the U.S. credit-union environment

Although credit-scoring models represent a widely used managerialaid for large financial intermediaries, the vast majority ofU.S. credit unions—relatively small cooperatively ownedretail intermediaries, constrained by sample and funding limitations—haveyet to adopt such techniques. Lovie & Lovie (1986) havetheorized that the flat-maximum effect or curve of insensitivityassociated with linear scoring models could be advantageousin areas of applied prediction such as credit scoring. In thiscontext, we reported the relative predictive power of genericcredit-scoring models versus customized models in an earlierpaper (Overstreet et al. 1992). Unfortunately, these findingswere not readily adaptable to the credit-union industry dueto a dated sample with incomplete credit-bureau information.Consequently, from 1988 to 1991, we gathered a refined databasefrom which to further develop and field-test generic scoringmodels in the credit-union environment. The results reportedherein not only confirm, but amplify, the relative predictivepower of such models found earlier. Relative costs and benefitsof generic versus customized models are modelled for a representativecredit union. Future research directions are set forth in theconclusions.     

Proton-induced grain boundary segregation in stainless steel

Abstract

A technique is developed which addresses the problem of irradiation assisted stress corrosion cracking of stainless steels in light water reactors using high energy protons to induce grain boundary segregation. These results represent the first grain boundary segregation measurements in bulk produced by proton irradiation of stainless steel. The technique allows the study of grain boundary composition with negligible sample activation, short irradiation time, rapid sample turnaround and at minimal cost. Scanning Auger electron microscopy is used to obtain grain boundary composition measurements of irradiated and unirradiated samples of ultra high purity (UHP) type 304L stainless steel and UHP type 304L steels with the additions of phosphorus (UHP + P) and sulphur (UHP + S). Results show that irradiation of all three alloys causes significant Ni segregation to the grain boundary and Cr and Fe away from it. Irradiation of the UHP + P alloy also results in segregation of P at the grain boundary from 5.3 to 8.7 at %, over 80 times the bulk value. No radiation-induced grain boundary segregation of S was measured in the UHP + S alloy. Results also indicate that the presence of P or S may enhance radiation-induced segregation of major alloying elements at the boundary. Comparison of irradiated and unirradiated regions of the UHP + P alloy indicate that while a prior thermal treatment segregates P to the grain boundary to 5.3 at %, the major element concentrations at the grain boundary are completely different from those under irradiation.     

Quantum Monte Carlo study of the CO interaction with a dimer model surface for Cr(110)

The chemisorption of CO on a Cr (110) surface is investigated using the quantum Monte Carlo method in the diffusion Monte Carlo (DMC) variant and a model Cr₂CO cluster. The present results are consistent with the earlier ab initio HF study with this model that showed the tilted/near-parallel orientation as energetically favoured over the perpendicular arrangement. The DMC energy difference between the two orientations is larger (1.9 eV) than that computed in the previous study. The distribution and reorganization of electrons during CO adsorption on the model surface are analysed using the topological electron localization function method that yields electron populations, charge transfer and clear insight on the chemical bonding that occurs with CO adsorption and dissociation on the model surface.     

Characterization of aromatic-thiol π-type hydrogen bonding and phenylalanine-cysteine side chain interactions through ab initio calculations and protein database analyses

In this study, the aromatic-thiol π hydrogen bonding and phenylalanine-cysteine side chain interactions are characterized through both molecular orbital calculations on a C₆H₆-HSCH₃ model complex and database analyses of 609 X-ray protein structures. The aromatic-thiol π hydrogen bonding interaction can achieve a stabilization energy of 2.60 kcal mol^?1, and is stronger than the already documented aromatic-hydroxyl and aromatic-amino hydrogen bonds. However, the occurrence of the aromatic-thiol hydrogen bond is rather rare in proteins. This is because most of the thiol groups participate in the formation of either disulphide bonds or stronger S—H…O (or N) ‘normal’ hydrogen bonds in a protein environment. Interactions between the side chains of phenylalanine and cysteine residues are characterized as the phenyl(Phe)(HSCH₂-)(Cys) interaction. The bonding energy for such interactions is approximately 3.71 kcal mol-¹ and is achieved in a geometric arrangement with an optimal phenyl(Phe)-(HS-)(Cys) π-type hydrogen bonding interaction. The interaction is very sensitive to the orientation of the two lone electron pairs on the sulphur atom relative to the π electron cloud of the phenyl ring. Accordingly, the interaction configurations that can accomplish a significant bonding energy exist only within a narrow configurational space. The database analysis of 609 experimental X-ray protein structures demonstrates that only 268 of the 1620 cysteine residues involve such phenylalanine-cysteine side chain interactions. Most of these interactions occur in the form of π (aromatic)-lone pair(sulphur) attractions, and correspond to a bonding energy less than 1.5 kcal mol^?1. A few were identified as the aromatic-thiol hydrogen bond with a bonding energy of 2.0–3.6 kcal mol^?1.     

PANEL DISCUSSIONS

Representations of mathematical concepts play an important role in understanding: both in helping learners understand the to-be-learned material and in facilitating teachers’ understanding of pedagogical processes which, in turn, are involved in developing learners’ understanding. In this paper, we report on work with a cohort of pre-service primary teachers, with the aim of developing their understanding of mathematics, their confidence in their subject knowledge and their confidence in teaching mathematics. This was attempted through the introduction and use of a ‘representational approach’ to the teaching of the mathematical concepts required of teachers training to teach in primary schools in the UK. We present the results of attitude measures and a follow-up qualitative questionnaire in identifying whether and how the use of this representational approach supported pre-service teachers’ understanding and their confidence in teaching mathematics. The results suggest that the representational approach used had a positively significant impact on the attitudes towards studying and teaching mathematics.     

A Non-linear Singular Perturbation Problem Arising in the Study of Chemical Flow Reactors

This paper presents a method of obtaining the complete asymptoticsolution of boundary value problems of the form for x [0,1] where b(x) is strictly positive andfor small and positive. Physically, the problem arises in determiningthe steady-state concentration of a substance in a chemicalflow reactor. A "two-variable" expansion procedure is used.     

DISTRIBUTIONS OF FREE RADICALS AMONG AMINO ACIDS FROM LYOPHILIZED ULTRAVIOLET-IRRADIATED PROTEINS

Abstract— The effects of u.v.-irradiation at 254 nm upon lyophilized ribonuclease, lysozyme, insulin, and chymotrypsinogen have been investigated by electron spin resonance (ESR). enzymatic assay, and labeling of free radical sites with tritiated hydrogen sulfide (HST). The ESR signal of the irradiated protein diminishes on exposure to HST, and tritium becomes covalently bound to carbon. The distribution of tritium among the amino acids of each protein. studied as an indicator of the carbon free radical distribution, differs markedly from those observed previously to result from exposure to gamma radiation, electrical discharge. or hydrogen atoms. However, the earlier observation that the tritium distribution is influenced by protein conformation holds true as well for u.v.-irradiation. Moreover, the distributions of tritium among the amino acids of u.v.-irradiated proteins indicate a broad scattering of free radicals. Tyrosine and phenylalanine, residues that absorb light energy in the region of the wavelength employed, are not particularly important as radical carriers. Thus, for ribonuclease, these residues incorporated 3.8 and 1.5 per cent of the total tritium, but they absorb 51 and 12 per cent of the light, respectively. These results, together with the observed low recoveries of methionine, an amino acid that does not absorb at 254 nm, add weight to the concept that a migration of energy ensues after the initial absorption of light energy and that photolytic damage may thus be due to destruction of amino acids other than those initially absorbing the u.v.-radiation.     

Nearest-neighbour rules for emergency services

A policy for allocating each demand for an emergency service, arising within a region, to a currently available one of a set of service units, so as to minimise overall average response time, results in a straightforward generalisation of the elementary nearest-neighbour rule.

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Zusammenfassung Es wird gezeigt, daß die Zuordnung eines momentan verfügbaren Gerätes bei einer aus einer bestimmten Gegend kommenden Anforderung eines Notdienstes auf eine Verallgemeinerung der Regel des nächsten Nachbaumes führt, wenn die mittlere Gesamtantwortzeit minimiert werden soll.