Rational manipulation of mRNA folding free energy allows rheostat control of pneumolysin production by Streptococcus pneumoniae

Rational manipulation of mRNA folding free energy allows rheostat control of pneumolysin production by Streptococcus pneumoniae

Résultats du voyage du S.Y. Belgica en 1897-1898-1899 : sous le commandement de A. de Gerlache de Gomery. Rapports scientifiques publiés aux frais du gouvernement belge, sous la direction de la Commission de la Belgica.

R21, Zoologie, Bryozoa

Mobility and Housing Satisfaction: An Empirical Analysis for Twelve EU Countries

Using panel data for twelve EU countries, we analyze the relationship between selfreported housing satisfaction and residential mobility. Our results indicate the existence of a positive link between the two variables and that housing satisfaction exerts a mediating effect between residential characteristics and dwellers' mobility propensities. Some interesting cross-country differences regarding the effect of other variables on mobility are also observed. Our results can be used in defining, implementing and evaluating housing and neighbourhood policies. Residential satisfaction is put forward as one of the most appropriate indicators of the success or failure of such policies. Keywords: Housing satisfaction, residential mobility JEL classification: R21, D19

Is there Descriminatory Mortgage Pricing against Immigrants in the Spanish Lending Market?

In this paper, we investigate whether evidence of discriminatory treatment against immigrants in the Spanish mortgage market exists. More specifically, we test whether, ceteris paribus, immigrant borrowers tend to be charged with higher interest rates on their mortgages than their Spanish born counterparts. To do so, we use a unique dataset on granted mortgages that contains information not only regarding the conditions of the loan but also the socio-economic characteristics of the mortgagors. We observe that immigrants are systematically charged with higher interest rates. We apply the well known Oaxaca-Blinder decomposition to measure the extent to which this disparate treatment of lenders in mortgage pricing against immigrants is due to discrimination. Our results indicate that approximately two thirds of the gap in the interest rate between Spanish born and immigrant borrowers can be attributed to discriminatory treatment. Key words: Immigration, discrimination, mortgage pricing, housing market. JEL codes: R21, G21, J14

Banks, Lies and Bricks: The Determinants of Home Value Inflation in Spain during the Housing Boom

During the first decade of this century, Spain experienced the most important economic and housing boom in its recent history. This situation led the lending industry to dramatically expand through the mortgage market. The high competition among lenders caused a dramatic lowering of credit standards. During this period, lenders operating in the Spanish mortgage market artificially inflated appraised home values in order to draw larger mortgages. By doing this, lenders gave financially constrained households access to mortgage credit. In this paper, we analyze this phenomenon for this first time. To do so, we resort to a unique dataset of matched mortgage-dwelling-borrower characteristics covering the period 2004–2010. Our data allow us to construct an unbiased measure of property’s over-appraisal, since transaction prices in our data also includes any potential side payment in the transactions. Our findings indicate that i) in Spain, appraised home values were inflated on average by around 30% with respect to transaction prices; ii) creditconstrained households were more likely to be involved in mortgages with inflated house values; and iii) a regional indicator of competition in the lending market suggests that inflated appraisal values were also more likely to appear in more competitive regional mortgage markets. Keywords: Housing demand, appraisal values, house prices, housing bubble, credit constraints, mortgage market. JEL Classification: R21, R31

T??picos de la fantas??a ??pica en la literatura infantil y juvenil : un recorrido por la construcci??n narrativa de 'Mago por casualidad' de Laura Gallego

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La literatura como recurso did??ctico en la ense??anza del espa??ol como lengua extranjera

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El alineamiento constructivo en la ense??anza de espa??ol como lengua extranjera

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La mediaci??n ling????stica y cultural : algunas observaciones acerca de su complejidad conceptual y su colocaci??n en el contexto universitario italiano

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Ense??anza del espa??ol y contexto social : la familia como recurso tem??tico para la clase de conversaci??n destinada a estudiantes surcoreanos

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La ense??anza del espa??ol en las universidades de Corea del Sur : handicaps y propuestas did??cticas para Hankuk Univerity of Foreing Studies (Se??l)

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Ricardo Piglia : el lector de la tribu

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Literatura infantil y biling????smo en Cantabria : lecturas y bibliotecas

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An??lisis did??ctico de los libros de vacaciones de 5?? curso de educaci??n primaria

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La ense??anza de la impersonalidad en la escritura de g??neros acad??micos

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