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We use data from several waves of the Survey of Consumer Finances to document credit and debit card ownership and use across US demographic groups. We then present recent theoretical and empirical contributions to the study of credit and debit card behavior. Utilization rates of credit lines and portfolios of card holders present several puzzles. Credit line increases initiated by banks lead households to restore previous utilization rates. High-interest credit card debt co-exists with substantial holdings of low-interest liquid assets and with accumulation of retirement assets. Although available evidence disputes ignorance of credit card terms by card holders, redit card rates do not respond to competition. There is a rising trend in bankruptcy and delinquency, partly attributable to an increased tendency of households to declare bankruptcy associated with reduced social stigma, ease of procedures, and financial incentives. Co-existence of credit card debt with retirement assets can be explained through self-control hyperbolic discounting. Strategic default motives contribute partly to observed co-existence of credit card debt with low-interest liquid assets. A framework of “accountant-shopper” households, in which a rational accountant tries to control an impulsive shopper, seems consistent with both types of co-existence and with observed utilization of credit lines. JEL Classification: G11, E21
Following publication of the data presented by von Minckwitz and colleagues it has been brought to our attention that some patients should be scored differently. Stable disease was seen in three of the eighteen patients instead of two of the eighteen patients: one patient with transitional cell carcinoma treated at 4 µg/kg scFv(FRP5)-ETA per day, and two breast cancer patients treated at 4 and 12.5 µg/kg scFv(FRP5)-ETA per day. Disease progression occured in 9 of the eighteen patients evaluated (see corrected Table 2 overleaf). This does not affect the conclusions of our study. In addition we would like to correct the following errors: patient IDs for patients U01 and U02 in the original Table 2 were interchanged. In addition, patient N03 had a grade 3 elevation of gamma-glutamyl transferase, and not grade 2 (see corrected Table 2 overleaf).
Russian and Spanish each have two variants of the predicational copular sentence. In Russian, the variation concerns the case of the predicate phrase, which can be nominative or instrumental, while in Spanish, the variation involves the choice of the copular verb, either ser or estar. It is shown that the choice of the particular variant of copular sentence in both languages depends on the speaker’s perspective, i.e., on whether or not the predication is linked to a specific topic situation.
Several analysis of Coordination of Unlikes have been proposed within the HPSG framework. In some of these approaches the possible combinations of 'unlike categories' are encoded in the grammar, while other accounts resort to an independently motivated ellipsis analysis. In this paper we provide further arguments in favor of the latter. However, some problematic cases of Coordination of Unlikes in certain S-adjoining constructions are left unaccounted for. We propose a general analysis of these S-adjoining constructions, and in doing so, the problematic coordination cases are predicted without the need for further assumptions.
Since Pollard and Sag (1994) it has been assumed that raising involves full structure sharing, whereas a control verb merely shares the content of one of the lower verb's arguments. This has been considered a property of the phenomena, despite the fact that Pollard and Sag (1994) present this syntactic difference as a hypothesis confirmed for Icelandic only. In this paper we discuss the difference between raising and control from the perspective of Dutch and German passives. It has already been shown by Van Noord and Kordoni (2005) that the secondary object passives in these languages are raising structures, in which the case of the raised argument changes. In this paper we provide additional evidence for the raising analysis, and we propose a new analysis, which allows for a uniform account of Dutch and German passives as raising structures. Przepiorkowski and Rosen (2004) show that control may exhibit case transmission; the data presented in this paper shows that raising may not. Therefore, we claim that the distinction between raising and control is found in theta-role assignment. Syntactically they tend to behave differently, but they may also behave in the exact same way.
Echinococcosis/hydatidosis, caused by Echinococcus granulosus, is a chronic and debilitating zoonotic larval cestode infection in humans, which is principally transmitted between dogs and domestic livestock, particularly sheep. Human hydatid disease occurs in almost all pastoral communities and rangeland areas of the underdeveloped and developed world. Control programmes against hydatidosis have been implemented in several endemic countries, states, provinces, districts or regions to reduce or eliminate cystic echinococcosis (CE) as a public health problem. This review assesses the impact of 13 of the hydatid control programmes implemented, since the first was introduced in Iceland in 1863. Five island-based control programmes (Iceland, New Zealand, Tasmania, Falklands and Cyprus) resulted, over various intervention periods (from < 15 to > 50 years), in successful control of transmission as evidenced by major reduction in incidence rates of human CE, and prevalence levels in sheep and dogs. By 2002, two countries, Iceland and New Zealand, and one island-state, Tasmania, had already declared that hydatid disease had been eliminated from their territories. Other hydatid programmes implemented in South America (Argentina, Chile, Uruguay), in Europe (mid-Wales, Sardinia) and in East Africa (northwest Kenya), showed varying degrees of success, but some were considered as having failed. Reasons for the eventual success of certain hydatid control programmes and the problems encountered in others are analysed and discussed, and recommendations for likely optimal approaches considered. The application of new control tools, including use of a hydatid vaccine, are also considered.
During a joint field trip organised by H. Streimann in 1999, the authors collected large amount of bryophytes in Queensland, New South Wales, and Victoria states and in the Austral Capital Territory (A.C.T.). Some of them proved to be new state records, or new records for Australia. The list below is the first selection of these records in Hepaticae, with 16 species newly reported from the whole continent.
During the second part of the TROCCINOX campaign that took place in Brazil in early 2005, chemical species were measured on-board of the high altitude research aircraft Geophysica (ozone, water vapor, NO, NOy, CH4 and CO) in the altitude range up to 20 km (or up to 450 K potential temperature), i.e. spanning the TTL region roughly extending between 350 and 420 K.
Analysis of transport across TTL is performed using a new version of the Chemical Lagrangian Model of the Stratosphere (CLaMS). In this new version, the stratospheric model has been extended to the earth surface. Above the tropopause, the isentropic and cross-isentropic advection in CLaMS is driven by ECMWF winds and heating/cooling rates derived from a radiation calculation. Below the tropopause the model smoothly transforms from the isentropic to hybrid-pressure coordinate and, in this way, takes into account the effect of large-scale convective transport as implemented in the ECMWF vertical wind. As with other CLaMS simulations, the irreversible transport, i.e. mixing, is controlled by the local horizontal strain and vertical shear rates.
Stratospheric and tropospheric signatures in the TTL can be seen both in the observation and in the model. The composition of air above ≈350 K is mainly controlled by mixing on a time scale of weeks or even months. Based on CLaMS transport studies where mixing can be completely switched off, we deduce that vertical mixing, mainly driven by the vertical shear in the outflow regions of the large-scale convection and in the vicinity of the subtropical jets, is necessary to understand the upward transport of the tropospheric air from the main convective outflow around 350 K up to the tropical tropopause around 380 K. This mechanism is most effective if the outflow of the mesoscale convective systems interacts with the subtropical jets.
Es handelt sich hier um die portugiesische Übersetzung einer an der Universität Wien eingereichten Magisterarbeit aus dem Jahr 2004. Die übersetzte Version wurde im Jahr 2006 zudem um einige Inhalte erweitert.