940 resultados para Mortgage banks


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Research has proven that Shoreline Erosion is caused by excess water contained within the shore face. This Research presents an opportunity to control erosion by managing the near shore water table. Our Research on Bogue Banks North Carolina suggests that our buildings and other impervious surfaces collect and concentrate water from storm rain runoff into the surface water table and within the critical beach front water exit point. Presently our Potable Fresh Water is supplied from deep wells located beneath an impervious layer of Marl. After our use, the Waste water is drained into the Surface Aquifer, the combined waste and storm rain water raises the Surface Aquifer water table and produces Erosion. The Deep Aquifers presently supplying our Potable Water have an unknown recharge rate, with increasing reports of Salt Water intrusion. We believe our Vital Fresh water supply system should be modified to supply Reverse Osmosis treatment plants from shallow wells. This will lower the Surface Water Table. These Shallow wells, either horizontal or vertical, might be located within the beach front, adjacent to high erosion risk properties. Beach Drains and Reverse Osmosis Water systems are new and proven technologies. By combining these technologies we can reduce or reverse Shore Erosion, ensure a safe Potable Water supply, reduce requirements for periodic beach nourishment, reduce taxes and protect our property well into the Future. (PDF contains 5 pages)

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The ennoblement of human resources has become a prime issue in the philosophy of sustainable aquaculture development in the new millennium.Being the planners, designers, conductors and philosophers of sustainable aquaculture, human beings always demand their further improvement at level best from their current positions to bring supreme success in the sector. As sustainable aquaculture is socio-economic –cum-environmental in concept, its operation and management requires constant interplay of various human knowledge for ensuring its smooth direction and for achieving its goal. So, the arrangement of different types and levels of training and education are the great need for the development of personnel involved in sustainable aquaculture route and also for growing awareness of environmental issues. The modus operandi of training and education has to be changed systematically to answer the calls of the needs of the new millennium. In the developing and developed countries where aquaculture plays a vital role in promoting production of aquatic organisms, alleviating of poverty, ensuring environmental compatibility, replenishing and improving the natural stocks, increasing socio-economic upliftment through integrated development approach, developing and managing the aquatic resources, maintaining gene banks and preserving the diversity of fish stocks, it has been already proved that Human resources development (HRD) is inevitable to bring sustainable aquaculture and plays a great role in the flourishment of the system . Different types and levels of training of personnel required for sustainable aquaculture in the new millennium are brought forward in the study. The importance of human resources development (HRD) through specialized training to the personnel is also depicted.

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The long- and short-period body waves of a number of moderate earthquakes occurring in central and southern California recorded at regional (200-1400 km) and teleseismic (> 30°) distances are modeled to obtain the source parameters-focal mechanism, depth, seismic moment, and source time history. The modeling is done in the time domain using a forward modeling technique based on ray summation. A simple layer over a half space velocity model is used with additional layers being added if necessary-for example, in a basin with a low velocity lid.

The earthquakes studied fall into two geographic regions: 1) the western Transverse Ranges, and 2) the western Imperial Valley. Earthquakes in the western Transverse Ranges include the 1987 Whittier Narrows earthquake, several offshore earthquakes that occurred between 1969 and 1981, and aftershocks to the 1983 Coalinga earthquake (these actually occurred north of the Transverse Ranges but share many characteristics with those that occurred there). These earthquakes are predominantly thrust faulting events with the average strike being east-west, but with many variations. Of the six earthquakes which had sufficient short-period data to accurately determine the source time history, five were complex events. That is, they could not be modeled as a simple point source, but consisted of two or more subevents. The subevents of the Whittier Narrows earthquake had different focal mechanisms. In the other cases, the subevents appear to be the same, but small variations could not be ruled out.

The recent Imperial Valley earthquakes modeled include the two 1987 Superstition Hills earthquakes and the 1969 Coyote Mountain earthquake. All are strike-slip events, and the second 1987 earthquake is a complex event With non-identical subevents.

In all the earthquakes studied, and particularly the thrust events, constraining the source parameters required modeling several phases and distance ranges. Teleseismic P waves could provide only approximate solutions. P_(nl) waves were probably the most useful phase in determining the focal mechanism, with additional constraints supplied by the SH waves when available. Contamination of the SH waves by shear-coupled PL waves was a frequent problem. Short-period data were needed to obtain the source time function.

In addition to the earthquakes mentioned above, several historic earthquakes were also studied. Earthquakes that occurred before the existence of dense local and worldwide networks are difficult to model due to the sparse data set. It has been noticed that earthquakes that occur near each other often produce similar waveforms implying similar source parameters. By comparing recent well studied earthquakes to historic earthquakes in the same region, better constraints can be placed on the source parameters of the historic events.

The Lompoc earthquake (M=7) of 1927 is the largest offshore earthquake to occur in California this century. By direct comparison of waveforms and amplitudes with the Coalinga and Santa Lucia Banks earthquakes, the focal mechanism (thrust faulting on a northwest striking fault) and long-period seismic moment (10^(26) dyne cm) can be obtained. The S-P travel times are consistent with an offshore location, rather than one in the Hosgri fault zone.

Historic earthquakes in the western Imperial Valley were also studied. These events include the 1942 and 1954 earthquakes. The earthquakes were relocated by comparing S-P and R-S times to recent earthquakes. It was found that only minor changes in the epicenters were required but that the Coyote Mountain earthquake may have been more severely mislocated. The waveforms as expected indicated that all the events were strike-slip. Moment estimates were obtained by comparing the amplitudes of recent and historic events at stations which recorded both. The 1942 event was smaller than the 1968 Borrego Mountain earthquake although some previous studies suggested the reverse. The 1954 and 1937 earthquakes had moments close to the expected value. An aftershock of the 1942 earthquake appears to be larger than previously thought.

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[ES]La internacionalización ha sido una de las principales estrategias de crecimiento llevadas a cabo por la gran banca española, sobre todo a partir de la década de los 90. Es en esta década cuando hubo un destacable salto por parte de las entidades españolas hacia el mercado latinoamericano en especial, así como hacia Europa y Estados Unidos. Por otro lado, una vez comenzada la crisis financiera -entre finales de 2007 y principios de 2008-, dicho proceso de expansión se vio mermado, debido a que la banca tuvo que afrontar una nueva etapa de reforzamiento interno en la que todavía sigue inmersa. En el presente trabajo, tomando como ejemplos los bancos Santander y BBVA, se tratarán de analizar tanto los motivos y destinos de la mencionada expansión internacional; así como el nuevo entorno en el que tras la crisis y, una vez realizados los distintos procesos regulatorios, el sistema bancario español tendrá que desarrollar su actividad. A su vez, también serán objeto de análisis los modelos de negocio planteados por las dos entidades, a través de los cuales podremos definir algunas de las estrategias que se presentan en este nuevo entorno económico-financiero.

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A finales del año 2007 se produjeron una serie de acontecimientos que más tarde, y por efecto del contagio internacional, desembocaron en una de las crisis económico-financieras más determinantes que se recuerdan en España. El presente proyecto tiene como objetivo entender todo el proceso de reestructuración llevado a cabo en los últimos años. Para ello, recoge inicialmente el origen de la crisis económico-financiera, para más tarde hacer referencia a las principales medidas que se han tenido que llevar a cabo para modificar el sistema financiero. Además, explica la última reforma de las Cajas de Ahorro y fundaciones bancarias junto con los cambios que la misma ha generado en el Sistema Financiero y en la Obra Social. Por último, después de analizar lo sucedido años atrás, llega a una serie de conclusiones acerca de la situación actual y futura del nuevo mapa financiero Español.

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Investigations of the rearrangement of material in Neuwerk/Scharhom flat showed that with the exception of the western border/edge and the parts of the Elbe and Oste shores/banks which lie most seawards, the entire mudflat area is only infrequently exposed to strong hydraulic forces. Only in extreme conditions, which on average occur rarely more than once a year, would the mudflats be severely affected. This partial translation provides the summary of the original article only.

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This study concerns the longitudinal dispersion of fluid particles which are initially distributed uninformly over one cross section of a uniform, steady, turbulent open channel flow. The primary focus is on developing a method to predict the rate of dispersion in a natural stream.

Taylor's method of determining a dispersion coefficient, previously applied to flow in pipes and two-dimensional open channels, is extended to a class of three-dimensional flows which have large width-to-depth ratios, and in which the velocity varies continuously with lateral cross-sectional position. Most natural streams are included. The dispersion coefficient for a natural stream may be predicted from measurements of the channel cross-sectional geometry, the cross-sectional distribution of velocity, and the overall channel shear velocity. Tracer experiments are not required.

Large values of the dimensionless dispersion coefficient D/rU* are explained by lateral variations in downstream velocity. In effect, the characteristic length of the cross section is shown to be proportional to the width, rather than the hydraulic radius. The dimensionless dispersion coefficient depends approximately on the square of the width to depth ratio.

A numerical program is given which is capable of generating the entire dispersion pattern downstream from an instantaneous point or plane source of pollutant. The program is verified by the theory for two-dimensional flow, and gives results in good agreement with laboratory and field experiments.

Both laboratory and field experiments are described. Twenty-one laboratory experiments were conducted: thirteen in two-dimensional flows, over both smooth and roughened bottoms; and eight in three-dimensional flows, formed by adding extreme side roughness to produce lateral velocity variations. Four field experiments were conducted in the Green-Duwamish River, Washington.

Both laboratory and flume experiments prove that in three-dimensional flow the dominant mechanism for dispersion is lateral velocity variation. For instance, in one laboratory experiment the dimensionless dispersion coefficient D/rU* (where r is the hydraulic radius and U* the shear velocity) was increased by a factory of ten by roughening the channel banks. In three-dimensional laboratory flow, D/rU* varied from 190 to 640, a typical range for natural streams. For each experiment, the measured dispersion coefficient agreed with that predicted by the extension of Taylor's analysis within a maximum error of 15%. For the Green-Duwamish River, the average experimentally measured dispersion coefficient was within 5% of the prediction.

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Esta dissertação tem como objeto de estudo a relação entre capital portador de juros e programas de transferência de renda na atualidade. O objetivo pretendido é a análise da dinâmica de organização desta forma de capital e seus desdobramentos na contemporaneidade, bem como os impactos e determinações impostas às políticas sociais em tempos de financeirização do capital. Partimos da hipótese de que os programas de transferência de renda contribuem para o processo de contra-reforma das políticas sociais, tanto pela focalização preconizada como pela priorização orçamentária, em detrimento dos demais programas e projetos da assistência social, além de permitirem a remuneração do capital portador de juros por meio dos recursos que destinam às instituições bancárias. A pesquisa realizada utilizou-se de análise documental e teórica com base na tradição marxista, buscando analisar criticamente as configurações das políticas sociais na atualidade e o papel das transferências de renda. Buscamos ainda analisar o orçamento público no âmbito federal referente à Seguridade Social e, em particular, aos programas de transferência de renda no âmbito da Assistência Social. Escolhemos estudar o orçamento da Renda Mensal Vitalícia, o Benefício de Prestação Continuada e o Programa Bolsa-Família, entre os anos de 2006 e 2009, analisando os recursos que estes destinam às instituições bancárias que operacionalizam o repasse dos benefícios. O resultado da pesquisa demonstrou que os programas de transferência de renda são estratégias de contra-reformar as políticas sociais ao incentivar o processo de assistencialização da Seguridade Social visto que apresentam um aumento contínuo e substancial no âmbito orçamentário e ao operarem com a seletividade do atendimento aos mais pobres na contramão dos princípios fundamentais presentes no texto constitucional. São ainda mecanismos de alimentação do capital portador de juros ao repassarem consideráveis somas de recursos para as instituições bancárias e inserirem a classe trabalhadora pobre no mundo das finanças.

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[es]En las últimas décadas está proliferando la creación de nuevos Bancos de Especímenes Ambientales. Es fundamental en ellos disponer de métodos de congelación que garanticen la óptima conservación de las muestras, de forma que sean fiables los resultados obt enidos en las diversas investigaciones realizadas con ellas, para ser utilizadas por futuros investigadores. Este trabajo se ha realizado para conseguir dicho objetivo en relación a el BBEBB (Biscay Bay Environmental Bioespecimen Bank) de la Estación Marin a de Plentzia (PIE - U P V/EHU). Como muestra se han utilizado mejillones ( Mytilus galloprovincialis ) y mediante análisis bioquímico e histoquímico se ha estudiado la variabilidad producida por diferentes métodos de congelación en una serie de biomarcadores pr eviamente seleccionados. La conclusión ha sido que los biomarcadores varían dependiendo del método de congelación. Pero, en general, de forma poco significativa. Por lo tanto cualquiera de los procedimientos de congelación puede ser utilizado en los difere ntes biobancos con garantías. No obstante y para una mayor fiabilidad es conveniente reincidir en este trabajo utilizando otras variables como animales de localidades y/o épocas diferentes

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Sampling was concentrated on the North Moor region and the series of ditches which drained this area to the Bristol Channel. Although most ditches were not deep the mud substratum precluded sampling from within the habitat. All samples were taken with a pond net from the banks. Efforts were made to sample each part of the habitat although in some ditches the macrophyte growth was so intense as to make sampling difficult particularly of the sediments. Organisms were identified on the 10 sampling sites.

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Sampling was concentrated on the North Moor region and the series of ditches which drained this area to the Bristol Channel. Although most ditches were not deep the mud substratum precluded sampling from within the habitat. All samples were taken with a pond net from the banks. Efforts were made to sample each part of the habitat although in some ditches the macrophyte growth was so intense as to make sampling difficult particularly of the sediments. Organisms were identified on the 10 sampling sites.

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[ES]En las últimas décadas, la optimización de las instalaciones eléctricas se ha convertido en una de las prioridades más importantes de las empresas. En este sentido, la corrección del factor de potencia supone un importante tema a analizar y resolver. Hoy en día, se dispone de muchos métodos de compensación, pero en la mayoría de los casos, la implementación de baterías de condensadores resulta la mejor opción. Por otra parte, dependiendo de la distribución elegida en la instalación de los condensadores, se consiguen ciertas ventajas y desventajas en cuanto a componentes reactivas en el sistema eléctrico y costes finales de la compensación se refiere. Además del desarrollo teórico, se dispondrá de simulaciones realizadas en herramientas de cálculo que ayudarán a la comprobación de estas ideas.

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Catch evolution, fish yield and specific composition of commercial catches as well as biomass reduction of the main species exploited were analysed and the stock assessments of horse and chub mackerels in the Sofala and Boa-Paz Banks were examined for the period 1986 to the first half of 1989.

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Esta dissertação avalia a evolução e estrutura do spread bancário ex-post no Brasil, no período 2000-2008, usando o método de decomposição contábil. Esta avaliação é feita em três partes. Na primeira estuda-se o setor bancário como um todo utilizando uma amostra de 30 bancos representando 89,8% do total de ativos do Consolidado bancário I (bancos comerciais e bancos múltiplos que tenham uma carteira comercial) no ano 2008. Na segunda a análise é realizada levando em conta as especificidades dos diferentes segmentos de bancos (grandes bancos varejistas, bancos varejistas públicos e bancos especializados em crédito), definidos considerando características como tamanho, tipo de negócio e clientela, característica do funding, etc., e ainda o controle de capital (público, privado nacional e estrangeiro). Por fim, numa terceira parte, considera-se, sobretudo o nicho do mercado de crédito que o banco atua. Esta segmentação do setor bancário permite avaliar a evolução do spread e sua decomposição, assim como comparar os diferentes segmentos do mercado de crédito no Brasil. A principal conclusão da dissertação é que a diferenciação da amostra de bancos por segmento ou por nicho de mercado tem implicações importantes para análise do nível e decomposição do spread bancário.

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[EN] The aim of this paper is to determine to what extent globalization pressures are changing interlocking directorate networks modeled on continental capitalism into Anglo-Saxon models. For this purpose we analyse the Spanish network of interlocks, comparing the present structure (2012) with that of 1993 and 2006. We show how, although Spanish corporative structure continues to display characteristics of the continental economies, some major banks are significantly reducing industrial activity. Nevertheless, the financial organizations continue to maintain a close relationship with sectors such as construction and services. The analysis of the network of directorates shows a retreat in activity of industrial banking in Spain. Two large Spanish financial institutions, BSCH and La Caixa, continue to undertake activities of industrial banking in 2006, but this activity is significantly reduced in 2012. According to the theories on the role of the interlocking directorates, the companies in these sectors assure their access to banking credit by incorporating advisors from financial organizations to their board of directors. We cannot conclude that the structure of the Spanish corporate network has become a new case of Anglo-Saxon structure, but we got indications that are becoming less hierarchic as banks seem to slowly abandon centrality positions. This is especially salient if we compare the networks of 2006 and 2012, which show a continuing decrease of the role of banks and insurance companies in the network.