Government sponsorship of the Federal National Mortgage Association and the Federal Home Loan Mortgage Corporation.

"July 11, 1996."

Home Mortgage Insurance, Federal Housing Administration Regulations

Mode of access: Internet.

Federal laws affecting national banks, including provisions of U. S. Revised statutes, Federal reserve act, Deposit insurance law, Emergency banking act, Bank conservation act, Banking act of 1933, Banking act of 1935 and other laws affecting the national banking system as of January 1, 1950.

"Compiled to supersede and bring up to date the previous edition, published in 1940."

Federal laws affecting national banks, including provisions of U. S. Revised statutes, Federal reserve act, Deposit insurance law, Emergency banking act, Bank conservation act, Banking act of 1933, Banking act of 1935 and other laws affecting, directly or indirectly, the national banking system, as of January 1, 1936.

On cover: National bank laws as of Jan. 1, 1936

Annual Report of the Insurance Dept. of the State Corporation Commission of the State of New Mexico

Mode of access: Internet.

Carter, Masson, and Richard nominations : hearing before the Committee on Energy and Natural Resources, United States Senate, Ninety-seventh Congress, second session, on the nominations of John B. Carter, Jr., to be a member of the board of directors, United States Synthetic Fuels Corporation; Milton M. Masson, Jr., to be a member of the board of directors, United States Synthetic Fuels Corporation; and Oliver G. Richard III, to be a member, Federal Energy Regulatory Commission, August 12, 1982.

"Publication no. 97-91."

Evapotranspiration and crop coefficients of seedless watermelon

The research was developed in Fortaleza, CE (latitude 3 degrees 43`S, longitude of 38 degrees 32`W and altitude of 19.5 m). It aimed to determine the Evapotranspiration and the crop coefficients for the different stadiums of seedless watermelon (Citrullus lanatus, Schrad), using the water balance method in drainage lysimeter. The experimental unit consisted of four located drainage lysimeter in an area of 600 m(2). The culture Evapotranspiration (ETc) was determined by the method of the water balance, in a volume of soil control with depth of 0.45 m, whose humidity was monitored by tensiometers. The reference Evapotranspiration (ETo) was estimated by the method of the class A pan. The crop coefficients were obtained from the rate between ETc and ETo in the different stages. The ETc presented growing values from the vegetative stage to the fruiting stage, dropping straight away in the mature stage. The maximum value of kc was observed in the fruiting stage.

Soil profile internal drainage for a central pivot fertigated coffee crop

Coffee cultivation via central-pivot fertigation can lead to fertilizer losses by soil profile internal drainage when water application is excessive and soils have low water retention and cation adsorption capacities. This study analyses the deep water losses from the top 1 m sandy soil layer of east Bahia, Brazil, cultivated with coffee at a high technology level (central-pivot fertigation), using above normal N fertilizer rates. The deep drainage (Q) estimation is made through the application of a climatologic water balance (CWB) program having as input direct measures of irrigation and rainfall, climatological data from weather stations, and measured soil water retention characteristics. The aim of the study is to contribute to the understanding of the hydric regime of coffee crops managed by central-pivot irrigation, analyzing three scenarios (Sc): i) rainfall only, ii) rainfall and irrigation full year, and iii) rainfall and irrigation dry season only. Annual Q values for the 2008/2009 agricultural year were: Sc i = 811.5 mm; Sc ii = 1010.5 mm; and Sc iii = 873.1 mm, so that the irrigation interruption in the wet season reduced Q by 15.7%, without the appearance of water deficit periods. Results show that the use of the CWB program is a convenient tool for the evaluation of Q under the cited conditions.

Nitrogen fertilizer (15N) leaching in a central pivot fertigated coffee crop

Nitrogen has a complex dynamics in the soil-plant-atmosphere system. N fertilizers are subject to chemical and microbial transformations in soils that can result in significant losses. Considering the cost of fertilizers, the adoption of good management practices like fertigation could improve the N use efficiency by crops. Water balances (WB) were applied to evaluate fertilizer N leaching using 15N labeled urea in west Bahia, Brazil. Three scenarios (2008/2009) were established: i) rainfall + irrigation the full year, ii) rainfall only; and iii) rainfall + irrigation only in the dry season. The water excess was considered equal to the deep drainage for the very flat area (runoff = 0) with a water table located several meters below soil surface (capillary rise = 0). The control volume for water balance calculations was the 0 - 1 m soil layer, considering that it involves the active root system. The water drained below 1 m was used to estimate fertilizer N leaching losses. WB calculations used the mathematic model of Penman-Monteith for evapotranspiration, considering the crop coefficient equal to unity. The high N application rate associated to the high rainfall plus irrigation was found to be the main cause for leaching, which values were 14.7 and 104.5 kg ha-1 for the rates 400 and 800 kg ha-1 of N, corresponding to 3.7 and 13.1 % of the applied fertilizer, respectively.

Maize nitrogen fertilization in two crop rotation systems under no-till

The objective of this study was to evaluate split nitrogen (N) fertilization of maize applied in band at sowing and top dressing with and without crop rotation, under no-till. The experiment was conducted with six N rates at sowing (0, 20, 30, 40, 50 and 60 kg ha-1) combined with three rates in top dressing (40, 70, 100 kg ha-1) and two management systems: after five cropping sequences of maize and crop rotation (maize + soybean + oat + soybean + corn) in a randomized block design with four replications. The crop rotation system increased yield in approximately 7% in relation to the area without rotation. The split of nitrogen fertilization, in rates above 39 and 54 kg ha-1 at sowing and 70 and 40 kg ha-1 in top dressing, resulted in yield higher than that obtained with the application of 100 kg ha-1 in top dressing. Grain yield was higher with the rates 50 and 70 kg ha-1 of N compared with that obtained with 20 and 100 kg ha-1 at sowing and top dressing, respectively. The rate 70 kg ha-1 of N resulted in the highest yield at the lowest cost compared with the revenues and costs incurred with the rates 40 and 100 kg ha-1.

Urease inhibitor (NBPT) and efficiency of single or split application of urea in wheat crop

NBPT (N-(n-butyl) thiophosphoric triamide), a urease inhibitor, has been reported as one of the most promising compounds to maximize urea nitrogen use in agricultural systems. The objective of this study was to evaluate the performance of irrigated wheat fertilized with urea or urea + NBPT as single or split application. The experiment was conducted from June to October 2006 in Viçosa, MG, Brazil. The experimental design followed a 2×2 factorial scheme, in which urea or urea + NBPT were combined with two modes of application: full dose at sowing (60kg ha-1) or split (20kg ha-1 at sowing + 40kg ha-1 as topdressing at tillering), in randomized blocks with ten replications. The split application of nitrogen fertilization does not improve the yield wheat under used conditions. The use of urease inhibitor improves the grain yield of wheat crop when urea is applied in topdressing at tillering, but its use does not promote difference when urea is applied in the furrow at planting.

Qualidade de sementes de girassol na safrinha do Distrito Federal.

RESUMO: O presente trabalho teve como objetivo avaliar, através de diferentes testes, a qualidade fisiológica de sementes de girassol na safrinha do Distrito Federal. Os testes foram realizados no Laboratório de Sementes da Faculdade de Agronomia e Veterinária ? FAV, da Universidade de Brasília - UnB, Campus Universitário Darcy Ribeiro, Brasília, DF, em 2014. Foram realizados testes de germinação padrão em areia e em papel, peso da matéria verde e da matéria seca, envelhecimento acelerado, condutividade elétrica e lixiviados de potássio. Foram encontradas diferenças significativas entre os genótipos para as todas as características avaliadas. Dentre os genótipos avaliados, os híbridos que se destacaram quanto a qualidades fisiológicas desejáveis pelos testes de germinação, condutividade elétrica e lixiviação de potássio foram BRS G42 e SYN 045. Materiais genéticos foram identificados no trabalho para possível exploração em programas de melhoramento. ABSTRACT: This study aims to evaluate, through different tests, the seed physiological quality of sunflower in the second crop in the Brazilian savannah. The tests were carried on in the Seed Laboratory of Veterinary and Agriculture Faculty of University of Brasilia, in 2014. The tests were seedling emergence in sand and paper, green and dry matter weight, accelerated aging, electrical conductivity and potassium leached. Related to the evaluated characteristics, significant differences were found between genotypes. Among them, the hybrids that stood out for the physiologic characteristics through the germination test, electric conductivity and potassium leaching were BRS G42 and SYN 045. Genetic materials were identified in this study for a possible exploration in breeding programs.

The influence of supplementary health insurance on switching behaviour: evidence from Swiss data.

This paper focuses on the switching behaviour of enrolees in the Swiss basic health insurance system. Even though the new Federal Law on Social Health Insurance (LAMal) was implemented in 1996 to promote competition among health insurers in basic insurance, there is limited evidence of premium convergence within cantons. This indicates that competition has not been effective so far, and reveals some inertia among consumers who seem reluctant to switch to less expensive funds. We investigate one possible barrier to switching behaviour, namely the influence of supplementary insurance. We use survey data on health plan choice (a sample of 1943 individuals whose switching behaviours were observed between 1997 and 2000) as well as administrative data relative to all insurance companies that operated in the 26 Swiss cantons between 1996 and 2005. The decision to switch and the decision to subscribe to a supplementary contract are jointly estimated.Our findings show that holding a supplementary insurance contract substantially decreases the propensity to switch. However, there is no negative impact of supplementary insurance on switching when the individual assesses his/her health as 'very good'. Our results give empirical support to one possible mechanism through which supplementary insurance might influence switching decisions: given that subscribing to basic and supplementary contracts with two different insurers may induce some administrative costs for the subscriber, holding supplementary insurance acts as a barrier to switch if customers who consider themselves 'bad risks' also believe that insurers reject applications for supplementary insurance on these grounds. In comparison with previous research, our main contribution is to offer a possible explanation for consumer inertia. Our analysis illustrates how consumer choice for one's basic health plan interacts with the decision to subscribe to supplementary insurance.

Banking Union: A Federal Model for the European Union with Prompt Corrective Action. CEPS Policy Brief No. 282, 18 September 2012

The European Commission has published its proposals for the transfer of supervisory responsibilities to the European Central Bank (ECB),1 under Article 127(6) of the TFEU, providing a comprehensive and courageous ‘first step’ towards a European banking Union, the other steps being European deposit insurance and resolution procedures. However, on a number of issues the Commission’s chosen path raises questions that should be brought out in the open and fully recognized before final deliberation by the Council.