Missing Persons Bulletin, Iowa Department of Public Safety, March 2001

Monthly newsletter for public safety

Missing Persons Bulletin, Iowa Department of Public Safety, February 2001

Monthly newsletter for public safety

Missing Persons Bulletin, Iowa Department of Public Safety, January 2001

Monthly newsletter for public safety

Missing Persons Bulletin, Iowa Department of Public Safety, December 2001

Monthly newsletter for public safety

Missing Persons Bulletin, June 2004

Missing Persons Bulletin provides a list of people reported to law enforcement agencies that are currently missing. This is the Monthly Missing Persons Bulletin published by the Iowa Missing Person Clearinghouse, Iowa Department of Public Safety, Division of Criminal Investigation.

Missing Persons Bulletin, January 2004

Missing Persons Bulletin provides a list of people reported to law enforcement agencies that are currently missing. This is the Monthly Missing Persons Bulletin published by the Iowa Missing Person Clearinghouse, Iowa Department of Public Safety, Division of Criminal Investigation.

Missing Persons Bulletin, February 2004

Missing Persons Bulletin provides a list of people reported to law enforcement agencies that are currently missing. This is the Monthly Missing Persons Bulletin published by the Iowa Missing Person Clearinghouse, Iowa Department of Public Safety, Division of Criminal Investigation.

Missing Persons Bulletin, March 2004

Missing Persons Bulletin provides a list of people reported to law enforcement agencies that are currently missing. This is the Monthly Missing Persons Bulletin published by the Iowa Missing Person Clearinghouse, Iowa Department of Public Safety, Division of Criminal Investigation.

Missing Persons Bulletin, April 2004

Missing Person Bulletin providing a list of those persons reported to a law enforcment agency that are currently missing. This is the Monthly Missing Persons Bulletin published by the Iowa Missing Person Clearinghouse, Iowa Department of Public Safety, Division of Criminal Investigation

Missing Persons Bulletin, May 2004

Missing Persons Bulletin provides a list of people reported to law enforcement agencies that are currently missing. This is the Monthly Missing Persons Bulletin published by the Iowa Missing Person Clearinghouse, Iowa Department of Public Safety, Division of Criminal Investigation.

A missing sugar prevents glucose entry: a new twist on insulin secretion.

The signaling pathway that regulates glucose-stimulated insulin secretion depends on glucose metabolism, which is itself controlled by glucokinase. In a recent issue of Cell, show that altering N-glycosylation of the GLUT2 glucose transporter prevents its anchoring and retention at the cell surface; this impairs glucose uptake and insulin secretion.

Iowa Missing Persons 2003 Annual Report, 2003

Annual report for Missing Persons, Division of Criminal Investigation.

Iowa Missing Persons 2002 Annual Report, 2002

Annual report for Missing Persons, Division of Criminal Investigation.

Adverse Selection, Credit, and Efficiency: the Case of the Missing Market

We analyze a standard environment of adverse selection in credit markets. In our envi- ronment, entrepreneurs who are privately informed about the quality of their projects need to borrow from banks. As is generally the case in economies with adverse selection, the competitive equilibrium of our economy is shown to be ine¢ cient. Under adverse selection, the choices made by one type of agents limit what can be o¤ered to other types in an incentive-compatible manner. This gives rise to an externality, which cannot be internalized in a competitive equilibrium. We show that, in this type of environment, the ine¢ ciency associated to adverse selection is the consequence of one implicit assumption: entrepreneurs can only borrow from banks. If an additional market is added (say, a .security market.), in which entrepreneurs can obtain funds beyond those o¤ered by banks, we show that the e¢ cient allocation is an equilibrium of the economy. In such an equilibrium, all entrepreneurs borrow at a pooling rate in the security market. When they apply to bank loans, though, only entrepreneurs with good projects pledge these additional funds as collateral. This equilibrium thus simultaneously entails cross- subsidization and separation between di¤erent types of entrepreneurs.

Adverse selection, credit, and efficiency: the case of the missing market

We analyze a standard environment of adverse selection in credit markets. In our environment, entrepreneurs who are privately informed about the quality of their projects need to borrow in order to invest. Conventional wisdom says that, in this class of economies, the competitive equilibrium is typically inefficient. We show that this conventional wisdom rests on one implicit assumption: entrepreneurs can only access monitored lending. If a new set of markets is added to provide entrepreneurs with additional funds, efficiency can be attained in equilibrium. An important characteristic of these additional markets is that lending in them must be unmonitored, in the sense that it does not condition total borrowing or investment by entrepreneurs. This makes it possible to attain efficiency by pooling all entrepreneurs in the new markets while separating them in the markets for monitored loans.