On the rescaled Riemannian metric of Cheeger Gromoll type on the cotangent bundle

Let $(M,g)$ be an n-dimensional Riemannian manifold and $T^{*}M$ be its cotangent bundle equipped with a Riemannian metric of Cheeger Gromoll type which rescale the horizontal part by a nonzero differentiable function. The main purpose of the present paper is to discuss curvature properties of $T^{*}M$ and construct almost paracomplex Norden structures on $T^{*}M$. We investigate conditions for these structures to be para-K\"ahler (paraholomorphic) and quasi-K\"ahler. Also, some properties of almost paracomplex Norden structures in context of almost product Riemannian manifolds are presented

Readout of GEM Detectors Using the Medipix2 CMOS Pixel Chip

We have operated a Medipix2 CMOS readout chip, with amplifying, shaping and charge discriminating front-end electronics integrated on the pixel-level, as a highly segmented direct charge collecting anode in a three-stage gas electron multiplier (Triple-GEM) to detect the ionization from $^{55}$Fe X-rays and electrons from $^{106}$Ru. The device allows to perform moderate energy spectroscopy measurements (20 % FWHM at 5.9 keV $X$-rays) using only digital readout and two discriminator thresholds. Being a truly 2D-detector, it allows to observe individual clusters of minimum ionizing charged particles in $Ar/CO_2$ (70:30) and $He/CO_2$ (70:30) mixtures and to achieve excellent spatial resolution for position reconstruction of primary clusters down to $\sim 50 \mu m$, based on the binary centroid determination method.Comment: 18 pages, 14 pictures. submitted to Nuclear Instruments and Methods in Physics Research

Development of Thick-foil and Fine-pitch GEMs with a Laser Etching Technique

We have produced thick-foil and fine-pitch gas electron multipliers (GEMs) using a laser etching technique. To improve production yield we have employed a new material, Liquid Crystal Polymer, instead of polyimide as an insulator layer. The effective gain of the thick-foil GEM with a hole pitch of 140 um, a hole diameter of 70 um, and a thickness of 100 um reached a value of 10^4 at an applied voltage of 720 V. The measured effective gain of the thick-foil and fine-pitch GEM (80 um pitch, 40 um diameter, and 100 um thick) was similar to that of the thick-foil GEM. The gain stability was measured for the thick-foil and fine-pitch GEM, showing no significant increase or decrease as a function of elapsed time from applying the high voltage. The gain stability over 3 h of operation was about 0.5%. Gain mapping across the GEM showed a good uniformity with a standard deviation of about 4%. The distribution of hole diameters across the GEM was homogeneous with a standard deviation of about 3%. There was no clear correlation between the gain and hole diameter maps.Comment: 21 pages, 9 figure

THE COST STRUCTURE OF MICROFINANCE INSTITUTIONS IN EASTERN EUROPE AND CENTRAL ASIA

Microfinance institutions are important, particularly in developing countries, because they expand the frontier of financial intermediation by providing loans to those traditionally excluded from formal financial markets. This paper presents the first systematic statistical examination of the performance of MFIs operating in Eastern Europe and Central Asia. A cost function is estimated for MFIs in the region from 1999-2004. First, the presence of subsidies is found to be associated with higher MFI costs. When output is measured as the number of loans made, we find that MFIs become more efficient over time and that MFIs involved in the provision of group loans and loans to women have lower costs. However, when output is measured as volume of loans rather than their number, this last finding is reversed. This may be due to the fact that such loans are smaller in size; thus for a given volume more loans must be made.http://deepblue.lib.umich.edu/bitstream/2027.42/40195/3/wp809.pd

Construction, test and commissioning of the triple-GEM tracking detector for COMPASS

The Small Area Tracking system of the COMPASS experiment at CERN includes a set of 20 large area, fast position-sensitive Gas Electron Multiplier (GEM) detectors, designed to reliably operate in the harsh radiation environment of the experiment. We describe in detail the design, choice of materials, assembly procedures and quality controls used to manufacture the devices. The test procedure in the laboratory, the performance in test beams and in the initial commissioning phase in the experiment are presented and discussed

The Threat of Capital Drain: A Rationale for Public Banks?

This paper yields a rationale for why subsidized public banks may be desirable from a regional perspective in a financially integrated economy. We present a model with credit rationing and heterogeneous regions in which public banks prevent a capital drain from poorer to richer regions by subsidizing local depositors, for example, through a public guarantee. Under some conditions, cooperative banks can perform the same function without any subsidization; however, they may be crowded out by public banks. We also discuss the impact of the political structure on the emergence of public banks in a political-economy setting and the role of interregional mobility

The COMPASS Experiment at CERN

The COMPASS experiment makes use of the CERN SPS high-intensitymuon and hadron beams for the investigation of the nucleon spin structure and the spectroscopy of hadrons. One or more outgoing particles are detected in coincidence with the incoming muon or hadron. A large polarized target inside a superconducting solenoid is used for the measurements with the muon beam. Outgoing particles are detected by a two-stage, large angle and large momentum range spectrometer. The setup is built using several types of tracking detectors, according to the expected incident rate, required space resolution and the solid angle to be covered. Particle identification is achieved using a RICH counter and both hadron and electromagnetic calorimeters. The setup has been successfully operated from 2002 onwards using a muon beam. Data with a hadron beam were also collected in 2004. This article describes the main features and performances of the spectrometer in 2004; a short summary of the 2006 upgrade is also given.Comment: 84 papes, 74 figure

Effizienz und Wettbewerb im deutschen Bankensektor

In diesem Papier geben wir einen Überblick über den Wettbewerb und die Effizienz im deutschen Bankensektor. Wir nehmen dabei die Entwicklung in den letzten 15 Jahren in den Blick. Frühere Studien für Deutschland weisen darauf hin, dass das deutsche Bankensystem durch monopolistische Konkurrenz und durch moderat hohe Kosteneffizienz gekennzeichnet ist. Zudem scheinen Wettbewerb und Effizienz positiv miteinander verbunden. Des weiteren bestanden deutliche Unterschiede zwischen großen und kleinen Banken. Kleine Banken bevorzugten mehr das traditionelle Bankgeschäft, geringere Risiken und haben eher auf regional segmentierten Märk ten agiert. Die gegenwärtige Krise könnte zu tieferen Änderungen im Bankensystem führen, mit möglichen Folgen für Wettbewerb und Effizienz.In this paper we review the main findings on competition and efficiency for the German banking sector. Our aim is to give a bird view of the evolution during the past 15 years. Previous studies on Germany point to a banking system dominated by monopolistic competition and moderate cost efficiency. Competition and efficiency seem to be positively related. Furthermore significant differences existed between small and large banks. The business model of small banks was often more traditional, they preferred less risk and they acted on more segmented regional markets. The current crisis may lead to deep changes of the banking system, potentially with consequences for competition and efficiency

Measurement of the Spin Structure of the Deuteron in the DIS Region

We present a new measurement of the longitudinal spin asymmetry A_1^d and the spin-dependent structure function g_1^d of the deuteron in the range 1 GeV^2 < Q^2 < 100 GeV^2 and 0.004< x <0.7. The data were obtained by the COMPASS experiment at CERN using a 160 GeV polarised muon beam and a large polarised 6-LiD target. The results are in agreement with those from previous experiments and improve considerably the statistical accuracy in the region 0.004 < x < 0.03.Comment: 10 pages, 6 figures, subm. to PLB, revised: author list, Fig. 4, details adde