GIS Characterization of Beaver Watershed

Beaver Reservoir watershed is located in Northwest Arkansas including portions of Madison, Washington, Benton, Carroll, Franklin and Crawford counties. This watershed is important to the Northwest Arkansas region because it supplies most of the drinking water for the major towns and cities, and several rural water systems. The watershed consists of 308,971 ha with elevations ranging from approximately 341 m to 731 m above mean sea level. It includes the Springfield Plateau and the Boston Mountains provinces within the Ozark Plateau physiographic region. There are approximately 581 km of streams, 532 km of shore line, and 3712 km of roads in the watershed most of which are city streets and rural roads. The soils in the watershed vary extensively and are quite complex due to the differences in parent material, topography and time. Most parent material of the soils in the Springfield Plateau is limestone, whereas in the Boston Mountains the dominant parent material is sandstone and shale. The differences in soils have led to the differences in landuse and land cover. The near surface geology in the watershed is also divided by physiographic provinces. Most of the Springfield Plateau surface geology is limestone, whereas the Boston Mountains are primarily sandstone and shale. Spatial details of the streams, roads, soils and geology attributes in the watershed are presented in this report. The GIS database and characterization of the watershed offers an excellent beginning to future research and modeling of various water quality parameters in this and other watersheds

Connected to the Organization: A Survey of Communication Technologies in the Modern Organizational Landscape

In today’s organizations, traditional and cutting-edge technologies compete for increased usage. This exploratory project provides a snapshot of the communication technology (CT) landscape by examining the use of 25 different CTs and their relations to a variety of common demographic variables. Results suggest that, although newer CTs are in use today, more traditional and established CTs such as e-mail, Internet, telephones, and voicemail still dominate the landscape

Characterizing the many-body localization transition through the entanglement spectrum

We numerically explore the many body localization (MBL) transition through the lens of the {\it entanglement spectrum}. While a direct transition from localization to thermalization is believed to obtain in the thermodynamic limit (the exact details of which remain an open problem), in finite system sizes there exists an intermediate `quantum critical' regime. Previous numerical investigations have explored the crossover from thermalization to criticality, and have used this to place a numerical {\it lower} bound on the critical disorder strength for MBL. A careful analysis of the {\it high energy} part of the entanglement spectrum (which contains universal information about the critical point) allows us to make the first ever observation in exact numerics of the crossover from criticality to MBL and hence to place a numerical {\it upper bound} on the critical disorder strength for MBL.Comment: 4 pages+appendi

In search of a robust inflation forecast

It is difficult to consistently improve upon forecasts of inflation based solely on the most recent data on inflation. In this article, we show how to do so. Our main finding is that the most robust forecasts combine information from several different forecasting models, each of which incorporates the information in the available inflation indicators in different ways.Inflation (Finance)

A study of the Sunyaev-Zel'dovich increment using archival SCUBA data

In a search for evidence of the short wavelength increment in the Sunyaev-Zel'dovich (SZ) effect, we have analyzed archival galaxy cluster data from the Sub-millimetre Common User Bolometer Array (SCUBA) on the James Clerk Maxwell Telescope, resulting in the most complete pointed survey of clusters at 850 microns to date. SCUBA's 850 microns passband overlaps the peak of the SZ increment. The sample consists of 44 galaxy clusters in the range 0 < z < 1.3. Maps of each of the clusters have been made and sources have been extracted; as an ancillary product we generate the most thorough galaxy cluster point source list yet from SCUBA. Seventeen of these clusters are free of obvious AGN and have data deep enough to provide interesting measurements of the expected SZ signal. Specialized analysis techniques are employed to extract the SZ effect signal from these SCUBA data, including using SCUBA's short wavelength band as an atmospheric monitor and fitting the long wavelength channel to a model of the spatial distribution of each cluster's SZ effect. By explicitly excising the exact cluster centre from our analysis we demonstrate that emission from galaxies within the cluster does not contaminate our measurement. The SZ amplitudes from our measurements are consistently higher than the amplitudes inferred from low frequency measurements of the SZ decrement.Comment: 27 pages, 6 figures, replacement matches version published in MNRA

Incorporating New Fixed Income Approaches into Commercial Loan Valuation

Growing competition, convergence of the loan and capital markets, and the greater complexity of commercial loan structure have heightened the need for banks to manage their loan portfolios in a more sophisticated way. This is true for the management of individual transactions and for the loan portfolio as a whole. In order to do so, each and every loan must be valued more accurately to account for the credit risk imbedded in the loan, loan migration, its structure and subsequent periodic fees and repricing agreements. In short, loans must be priced in a much more dynamic and complete way than is the case today. To do so, however, requires that banks acquire a deeper understanding of loan valuation and apply the newer techniques of the bond market to the loan market. Specifically, the new standards to credit analysis require the following steps to be taken: Loans must be accurately rated, monitored, and tracked through time. This history will prove important, not only for the existing loan, but also for all subsequent loans that can benefit from the migration pattern that is unique to the specific institution. A. The credit officer must more accurately value the underlying pricing conventions built into the loan market. These are often neglected when loans are priced as bonds. The existence of a repricing grid, a periodic fee structure and various repricing techniques are often neglected in favor of the assertion that loans are merely small bonds. B. Structure must be more accurately priced. Towards this end, it is necessary for the individual institution to recognize that structure has value. It should be quite apparent that the options imbedded in the loan portfolio have value; we have known the value of options imbedded in bonds for some time. As the derivative market has expanded, we trade these options that are part of the collective loan agreement in isolation. It is incumbent upon the banking community to more accurately price these options and to incorporate them into the pricing of loans that have imbedded options. To do all this would result in an improvement in the ability of banking institutions to value their loans, define their required spreads, and to both aggressively and accurately compete. It is often the case that structure and repricing are powerful tools to be employed in the competitive financial community. At the moment, however, structure is often given away and options are often neglected in competitive bidding. Banks can compete more effectively for their customers and have higher yielding loan portfolio to the extent that they have the ability to price the value of these options, to use the repricing of the credit spread and to know the migration of credit quality that is specific to the credit portfolio of their particular bank. There is no question that the market for credits is under severe competitive pressure. In such an environment, knowledge of the underlying portfolio and its value is the only true weapon for successful competition. Those that lag behind will be gamed by competitors and gamed by their customers. They will find they are subject to what academics call "the winner's curse." They will lose the good deals and win the bad ones. In today's world, information about the underlying lending relationship is the only adequate defense for a successful banking firm.

The HDF-North SCUBA Super-map I: Submillimetre maps, sources and number counts

We investigate the emission of sub-millimetre-wave radiation from galaxies in a 165 square arcminute region surrounding the Hubble Deep Field North. The data were obtained from dedicated observing runs from our group and others using the SCUBA camera on the James Clerk Maxwell Telescope, and combined using techniques specifically developed for low signal-to-noise source recovery. The resulting `Super-map' is derived from about 60 shifts of JCMT time, taken in a variety of observing modes and chopping strategies, and combined here for the first time. At 850 micron we detect 19 sources at >4 sigma, including 5 not previously reported. We also list an additional 15 sources between 3.5 and 4.0 sigma (where 2 are expected by chance). The 450 micron map contains 5 sources at >4 sigma. We present a new estimate of the 850 micron and 450 micron source counts. The number of sub-mm galaxies we detect account for approximately 40% of the 850 micron sub-mm background, and we show that mild extrapolations can reproduce it entirely. A clustering analysis fails to detect any significant signal in this sample of SCUBA detected objects. A companion paper describes the multiwavelength properties of the sources.Comment: 15 pages, accepted by MNRA