Why commercial banks sell loans: an empirical analysis

Bank loans ; Bank assets

On the ‘Supersolid’ Response of the Second Layer of ⁴He on Graphite

Recent torsional oscillator measurements on the second layer of 4He adsorbed on graphite have identified an anomalous superfluid response over a coverage range near third layer promotion, with four distinct coverage regimes. Here we present details of the superfluid response in the coverage regime immediately below third layer promotion. A scaling analysis of the inferred superfluid fraction shows the characteristic temperature governing the superfluid response to decrease, approaching zero near the coverage at which simulations predict the second layer to form a conventional incommensurate solid

Journal of African Christian Biography: v. 4, no. 1

A publication of the Dictionary of African Christian Biography with U.S. offices located at the Center for Global Christianity and Mission at Boston University. This issue focuses on: 1. Introducing African Christian Biography. 2. Modern African Church History and the Streetlight Effect. 3. Both African and Christian. 4. Musicians and Composers in African Christianity. 5. Yared. 6. John Knox Bokwe. 7. Recent Print and Digital Resources Related to Christianity in Africa. 8. Guidelines for Article Contributors. 9. Suggested Interview Guidelines and Questions. 10. Guidelines for Book Reviewers

Technology In The Classroom

Due to the COVID-19 pandemic, traditionally in-person courses were forced to make the difficult decision to transition to an online format. Thankfully, there have been significant improvements in online technology platforms and programs that advance the virtual learning experience. For example, technologies like Flipgrid, Kahoot, Nearpod, and Zoom are widely available to enhance the learning environment for students and teachers alike. Extant research on online learning has resulted in mixed reviews. For example, Glenn (2018) points out that students who may not normally participate in an in-person learning environment can no longer blend into the back of the classroom, as participation is incredibly important to advance in the e-learning environment. Further, students may feel intimidated when it comes to reaching out to professors when they are not able to meet with them in person. Conversely, and perhaps more positively, Glenn highlights that e-learning, asynchronous options make it possible to complete schooling with a job and family demands. Further, Yamagata-Lynch (2015) found that, in her graduate level online course, that students felt the online environment gave them the chance to be a more active learner and student. Given the ubiquity of online learning and the use of programs and technologies in the classroom, it is essential to understand students’ experiences and perspectives in these digital environments to ensure pedagogical practices align with the needs of learners. As such, we sought to explore students’ experiences with technology in the classroom to advance this area of research. Specifically, we will systematically examine students’ experiences using multiple programs and technologies during a 300-level class. We will use an embedded mixed methods design to obtain survey data on students’ preferences and barriers using Nearpod, Flipgrid, Zoom, and ReggieNet. We will also assess their perceptions of whether these programs or technologies advanced their learning throughout the semester. These technologies will be used synchronously and asynchronously throughout the semester. The class is comprised of 24 (21 female) junior and senior undergraduate students majoring in psychology. The students will receive class credit for completing the surveys. In this ever-changing and unsure time in education, it is crucial we understand how online education aids or hinders students’ learning and for those students to get the chance to reflect on their experiences in real time. This study will contribute to the literature on undergraduate college students’ experiences with technology in the classroom and seeks to inform future pedagogical practicehttps://ir.library.illinoisstate.edu/urs2021psych/1005/thumbnail.jp

When Sixteen ain\u27t So Sweet: Rethinking the Regulation of Adolescent Sexuality

Legally speaking, sexual maturity poses a significant enough liberty interest for a minor to make medical decisions regarding contraceptive medicine or to choose motherhood without parental involvement, but not quite enough for her to obtain an abortion independently. The law incentivizes teenage motherhood by only granting decisional autonomy to those minors who choose to have a child; the minor female\u27s right to procreate vests regardless of her individual maturity. The law discourages teenage abortions by using the choice to terminate a pregnancy to trigger a presumption of immaturity; the minor female\u27s abortion right is pitted against personal autonomy via parental rights. Ultimately, this Article argues that sexually active minors, their children, and their parents all suffer in this reproductive catch-22. This Article contends that the conflict between age of consent laws and minor abortion restrictions is just one illustration of state legislatures\u27 struggles within the greater protecnionist-versus-enablement paradigm. Specifically, this Article argues that laws regulating adolescent sexuality can generally be categorized into one of two types: (1) protectionist, enacting restrictions and protections designed to compensate for minors\u27 categorical immaturity; or (2) enabling, recognizing adult-like capacity and rights in minors as they progress in their overall development. The result of this polarized statutory landscape can only adequately be described as legislative schizophrenia -although devoid of invidious intent, these statutes ultimately hurt minors because they are premised on a flawed paradigm that is unable to coordinate the different political and social goals of state legislatures. This Article argues that by recognizing consensual maturity for intercourse and pregnancy but then rescinding that presumptive maturity only for abortion, states both violate the Constitution and create dangerous public policy. Specifically, states violate legally-consenting minors\u27 substantive due process rights by imposing undue burdens on their abortion access without any legitimate, countervailing immaturity interest. While parental notification and consent laws have been upheld on the grounds of minor immaturity, this Article argues that the recognition of sexual maturity through age of consent laws should also trigger a presumption of maturity for minor abortion rights. This Article further highlights five key policy concerns created by the inconsistent regulation of adolescent sexuality: (1) the encouragement of impulsive adolescent sexual behaviors; (2) the binding of decisional autonomy to pregnancy outcome; (3) the reinforcement of paternalistic gender stereotypes; (4) the punitive, rather than protective, natre of parental involvement and judicial bypass; and (5) the continued hystericization of adolescent sexuality

Democracy in a globalised world: Case study of the Gezi Park protests

This article considers the democratising influence of globalisation on states and individuals. Highlighting the contested definitional scope of globalisation, it presents a detailed analysis of competing explanatory frames and explains their influence on attempts to assess the democratising influence of globalisation. It applies these theoretical frames to a case study of the 2013 Gezi Park protests in Turkey, demonstrating mixed support for both models. It concludes by presenting a partial way forward for overcoming the limitations observed in the transformationalist understanding of globalisation and distributed decision-making

The Perceived Effectivenss of Nurses\u27 Suicide Management Training in Correctional Facilities: A Phenomenological Study

The purpose of this phenomenological study was to explore the perceived effectiveness of nurses\u27 suicide management training in correctional facilities in the United States. The central research question was: What suicidal educational training do nurses receive, and what is their lived experience of managing suicidal inmates at correctional facilities? The type of research design for this study was hermeneutic phenomenology. This study\u27s geographic setting was two correctional facilities in rural areas in the United States. The settings include the Federal Mental Correctional Facility (FMCF) and the Villian Mental Correctional Facility (VMCF). The Federal Mental Correctional Facility is situated in the southeastern part of the United States. The Villian Mental Correctional Facility is located in the south-central part of the United States. Ten nurses participated in the study. The three data collection methods used were one-on-one interviews, focus group interviews, and journal prompt questions. Four themes emerged from the analysis: clinical and in-service training, advocacy role, education improvement, and self-care and support. The job demands-resources (JD-R) model was utilized in this study to investigate the participants’ suicidal training experience, challenges, and support when managing suicidal inmates in the correctional facility. Most participants asserted that they had clinical and on-the-job training about managing suicidal inmates. Two participants stated that they had no prior suicidal management training. The finding revealed that nurses lack experience in managing suicidal inmates in correctional facilities. Therefore, more suicide management training is needed to enhance nurses’ knowledge, skills, and confidence, increasing the quality of patient care