Digital Commons Network^™

An Investigation Into The Predictive Capability Of Customer Spending In Modelling Mortgage Default, Donal Finn [Thesis]

Dissertations

The mortgage arrears crisis in Ireland was and is among the most severe experienced on record and although there has been a decreasing trend in the number of mortgages in default in the past four years, it still continues to cause distress to borrowers and vulnerabilities to lenders. There are indications that one of the main factors associated with mortgage default is loan affordability, of which the level of disposable income is a driver. Additionally, guidelines set out by the European Central Bank instructed financial institutions to adopt measures to further reduce and prevent loans defaulting, including the implementation and …

Bc(A)R Compliance - The Colander Effect, Seamus Harrington

Other Resources

The Building Control (Amendment) Regulations of 2014 has sought to leave the days of self-regulation in the past. However, the opt-out clause has created a two-tiered regulatory structure that questions if the regulations are fit for purpose?

This presentation takes an in depth look at the current regulatory structure and questions if there is a requirement for the introduction of a top-down Local Authority lead approach to Building Regulation Control, similar to that currently utilised throughout the UK and Northern Ireland in respect of all building projects?

The Impact Of Brexit Debates On Irish Exports: A Causality Analysis, Rawayda Abdou, Klavs Ciprikis, Lucia Morales, Damien Cassells

Conference papers

The UK decision to leave the EU has larger implications for Ireland due to its significant exposure to the UK economy. As such a no-deal Brexit scenario raises significant concerns regarding the impact, the magnitude and the lasting effects of the shock to the Irish economy. Leading up to the final weeks before the UK leaves the EU, this study explores the relationship between economic and political uncertainty surrounding Brexit and its potential causal effects to the Irish economy. The agriculture, manufacturing, chemical and pharmaceutical sectors are the focus of attention as they are considered to be the most exposed …

Directiveness In The Center: L1, L2, And Generation 1.5 Expectations And Experiences, Grant Eckstein

The Writing Center Journal

No abstract provided.

"I Need Help On Many Things Please": A Case Study Analysis Of First-Generation College Students' Use Of The Writing Center, Candis Bond

The Writing Center Journal

No abstract provided.

“And He Was Anti-Christ”: The Significance Of The Eighteenth Year Of The Reign Of The Judges, Part 2, Daniel Belnap, Daniel L. Belnap, Daniel Belnap, Dan Belnap

Faculty Publications

For the Nephites, the sixteenth year of the reign of the judges was tremendously difficult. The arrival of the people of Ammon, in itself an incredible disruption of Nephite society, precipitated a battle, which Mormon describes as a “tremendous battle; yea, even such an one as never had been known among all the people in the land from the time Lehi left Jerusalem” (Alma 28:2). The dead, we are told, were not counted due to their enormous number. These events compounded the pre-existing struggles that resulted from the sociopolitical fallout from the reforms of Mosiah2 . 1 Though Alma 30:5 …

Interpreting And Reporting Principal Component Analysis In Food Science Analysis And Beyond, D. Cozzolino, A. Power, J. Chapman

Articles

Principal component analysis (PCA) is one of the most widely used data mining techniques in sciences and applied to a wide type of datasets (e.g. sensory, instrumental methods, chemical data). However, several questions and doubts on how to interpret and report the results are still asked every day from students and researchers. This brief communication is inspired in relation to those questions asked by colleagues and students. Please note that this article is a focus on the practical aspects, use and interpretation of the PCA to analyse multiple or varied data sets. In summary, the application of the PCA provides …

I-Berlioz: Towards Interactive Computer-Aided Orchestration With Temporal Control, Er Miranda, A Antoine, J-M Celerier, M Desainte-Catherine

School of Art, Design and Architecture

This paper introduces i-Berlioz, a proof-of-concept interactive Computer Aided Orchestration (CAO) system that suggests combinations of musical instruments to produce timbres specified by the user by means of verbal descriptors. The system relies on machine learning for timbre classification and generative orchestration, and tools to write and execute interactive scenarios. The paper details the two main parts of i-Berlioz: its generative and exploratory engines, respectively, accompanied with examples. The authors discuss how i-Berlioz can aid the composition of musical form based on timbre.

Africa Starts At The Pyrenees: Humor, Laughter, And Financial Recession In A Spanish Enclave In Morocco, B Campbell

School of Law, Humanities and Social Sciences

No abstract provided.

A Structured Methodology For Tailoring And Deploying Lean Manufacturing Systems, Kenneth John Gembel Ii

Wayne State University Dissertations

The seminal works of Peter Drucker and James Womack in the 1990’s outlined the lean manufacturing practices of Toyota Motor Corporation (TMC) to become a world leader in manufacturing. These philosophies have since become the springboard for a significant paradigm shift in approaching manufacturing systems and how to leverage them to optimize operational practices and gain competitive advantage. While there is no shortage of literature touting the benefits of Lean Manufacturing Systems (LMS), there has been significant difficulty in effectively deploying them to obtain and sustain the performance that TMC has achieved.

This body of work provides a novel methodology …

Attitudes Of Jordanian Women Towards Interpersonal Violence Against Women And Help-Seeking Preferences, Nariman Zarzour

Wayne State University Dissertations

Violence against women is a public health concern bearing substantial importance in developed and developing countries. In Jordan, there are no specific foundations or legislations in the penal code that illegalize domestic violence, and there are no confining orders to apply in cases of abuse. The purpose of this study was to examine Jordanian women attitudes towards spousal abuse and help-seeking preferences. A quantitative study was conducted using a self-administered questionnaire; the survey contained questions from the Muslim Marital Violence Scale (MMVS, 2006) as well as demographic questions. A convenience sample of 199 women was recruited from Jordanian University of …

Solvent Effects And Charge Transfer States In Organic Photovoltaics, Kangmin Liu

Wayne State University Dissertations

Due to their various advantages, including lightweight, flexible, and cheap manufacturing, organic photovoltaic materials have gained enormous research interest. Over nearly two decades, the power conversion efficiency of organic solar devices has increased dramatically. However, it is still low compared to traditional inorganic semiconductors. In order to improve efficiency, a better understanding of the basic thermodynamic properties of the light-to-electricity power conversion process is needed. One nontrivial aspect of organic solar cells is the low dielectric constant, which leads to tightly-bound excitons upon vertical excitations. The separation of electron-hole pairs requires a larger driving force to overcome the Coulombic binding …

Functional Characterization Of Accessory Proteins And Novel Activities In Direct And Indirect Trna Aminoacylation, Udumbara Menike Rathnayake

Wayne State University Dissertations

Indirect tRNA aminoacylation is essential for most bacteria and archaea, particularly when these species do not have genes encoding asparaginyl- and/or glutaminyl-tRNA synthetase (AsnRS and GlnRS). In the absence of AsnRS, the first step in Asn-tRNAAsn synthesis involves misacylation of tRNAAsn with aspartate to produce Asp-tRNAAsn; this reaction is catalyzed by a non-discriminating aspartyl-tRNA synthetase (ND-AspRS). Subsequently, in bacteria, an amidotransferase called GatCAB converts Asp-tRNAAsn to Asn-tRNAAsn. An analogous, two-step processes exist to produce Gln-tRNAGln. In this case, a non-discriminating glutamyl-tRNA synthetase (ND-GluRS) misacylates tRNAGln to produce Glu-tRNAGln, which is then converted to Gln-tRNAGln by GatCAB. The central hub of …

Molecular Mechanisms In Cftr-F508del Degradation And The Functional Defect Of Cftr Absence In Rabbits, Carthic Rajagopalan

Wayne State University Dissertations

Cystic Fibrosis (CF) is the most common, lethal autosomal recessive disorder, and is caused by mutations in the cystic fibrosis transmembrane conductance regulator protein (CFTR), an anion channel that is found in most epithelial cells lining the airway and gut. The most common mutation of CFTR is deletion of phenylalanine at position 508 (CFTR-F508del), which produces a misfolded protein. Through the ubiquitin proteasome system (UPS), this misfolded protein is ubiquitinated and signaled for degradation via the cytosolic proteasome. Previous studies demonstrating experimental restoration of F508DEL-CFTR trafficking to the plasma membrane showed partial function of the chloride channel, raising therapeutic speculations. …

Optical Nanostructures For Controllable And Tunable Optical Properties, Ashfaqul Anwar Anwar Siraji

Wayne State University Dissertations

Optical nanostructures are heterogeneous media containing subwavelength inclusions in periodic or aperiodic fashion. The optical properties of optical nanostructure can be controlled and tuned using their constituent material properties and spatial arrangement of the inclusions. While optical nanostructures have been widely studied, controllable and tunable nanostructures using low loss transparent materials has not been studied in detail in the literature. The objective of this research is to perform efficient design and analyses of controllable and tunable optical nanostructures using low loss transparent materials.

To that end, versatile and highly accurate numerical methods like finite different tie domain and plane wave …

More Transparency, Please, Kyle Mcentee

FIU Law Review

No abstract provided.

Ringing Changes: Systems Thinking About Legal Licensing, Joan W. Howarth, Judith Welch Wegner

FIU Law Review

No abstract provided.

Extraction Rate In Vapor Assisted Extraction Of Heavy Oil (Vapex), Vijitha Mohan, Parthasakha Neogi

Chemical and Biochemical Engineering Faculty Research & Creative Works

Heavy oil recovery requires either heat (SAGD) or a solvent (VAPEX) to reduce its high viscosity first and then the less viscous oil can be recovered. We show here that the existing data, on the rate of oil recovered in VAPEX process in sand packs show a square root dependence on the height of pay zone, following expectation. This dependence had remained uncertain and is of importance in oil field operations. We have used dimensional analysis and inverse viscosity-diffusivity dependence to obtain an expression for the rate that agrees well with the available sand pack data. The dimensional analysis overcomes …

The U.S. - Mexico Border Wall - A Sentiment Analysis, Jeffrey Easter, Qiuyue Yang, Choji Daches, Wen Bin Yu, Craig C. Claybaugh

Business and Information Technology Faculty Research & Creative Works

The central focus of our study is to apply a computer-based sentiment analysis on twitter data on the U.S.-Mexico border wall. we want to be able to validate the results from traditional polling method and also create a pointer for decision making. From our results, we were able to show that a computer-based sentiment analysis is as valid as a traditional base method on topics such as the considered for the study. Our results compared favorably with the results obtained by organizations who did a polling survey on the issue. Also, we were able to visualize our results to present …

Patrimoine/Cultural Heritage In France And Ireland, Eamon Maher, Eugene O'Brien

Books

This collection of essays explores the concept of patrimoine, a French word used to denote cultural heritage, traditional customs and practices – the Gaelic equivalent is dúchas – and the extent to which it impacts on France and Ireland. Borrowing from disciplines as varied as sociology, cultural theory, literature, marketing, theology, history, musicology and business, the contributors to the volume unearth interesting manifestations of how patrimoine resonates across cultural divides and bestows uniqueness and specificity on countries and societies, sometimes in a subliminal manner.

Issues covered include debt as heritage, Guinness as a cultural icon of «Irishness», faith-based tourism, …

Barnette And Masterpiece Cakeshop: Some Unanswered Questions, Abner S. Greene

FIU Law Review

No abstract provided.

Deconstitutionalizing Dewey, Aaron Saiger

FIU Law Review

No abstract provided.

Ignatian Pedagogy For Sustainability To Support Community-Based Projects: Client-Focused Sustainable Energy Solutions, Andrew Baruth

Jesuit Higher Education: A Journal

Seeing the words of Laudato Si’ as a call to action, we are engaging students in Ignatian Pedagogy for Sustainability through a series of community-based projects with the goal of client-focused sustainable energy solutions and associated dialogue. We outline the development of a purpose-created Energy Technology undergraduate program housed in the College of Arts and Sciences at Creighton University, born from Ignatian Sensibilities, and highlight the role of client engagement to engross students in a client-focused design process to deliver sustainable energy initiatives that become practically feasible with student leadership. For the senior capstone of this program, students engage in …

Retrieving The Real Frederick May, Mark Fitzgerald

Articles

Although Frederick May (1911–85) is seen as holding an important position in the history of twentieth-century composition in Ireland, writing about May has been sporadic. There exists no serious biographical study to date and most of the commentary on the music has been superficial and frequently misleading. Utilizing the recently re-catalogued collection of May’s manuscripts in the Manuscripts and Archives Research Library in Trinity College Dublin (TCD) and also libraries and public collections in Cork, the United States, London, the Czech Republic and Vienna as well as a number of private archives, this essay attempts to build a clearer picture …

The Sons Report (1989-1994, Mathematical Association Of America): The Way It Was, Linda R. Sons

Numeracy

Recollections and commentary by Linda R. Sons on a 1994 national report entitled Quantitative Reasoning for College Graduates: A Complement to the Standards. Professor Sons chaired the committee which wrote the report and championed its use.

This paper traces the development of the 1994 MAA report Quantitative Reasoning for College Graduates: A Complement to the Standards--a report which is still surprisingly relevant. The paper highlights some major parts of the report, describing the context in which its conclusions were made. Additionally, it challenges and encourages those continuing the quest for QL in the nation by noting progress made …

Actual And Self-Assessed Financial Literacy Among Employees Of A South African University, Gizelle D. Willows

Numeracy

This study examines the level of financial literacy and self-assessed financial literacy amongst members of a South African tertiary institution’s retirement fund. Based on surveys of the fund’s members, I employ descriptive statistics and multivariate regression analyses to examine differences in financial literacy within and across groups. The results show that, despite working for an employer implementing many best practices identified by financial literacy advocates, respondents from all demographic subgroups possess relatively low levels of financial knowledge. Men, White respondents, and those with a higher cost of employment or higher educational attainment were more likely to have a higher level …

An Investigation Of Therapeutic Rapport Through Prosody In Brief Psychodynamic Psychotherapy, Carolina De Pasquale, Charlie Cullen, Brian Vaughan

Conference Papers

Therapeutic alliance, a concept closely related to rapport, is one of the most important variables in psychotherapy. High degrees of synchrony/coordination in the therapeutic session are considered to contribute to rapport, and have received attention in the psychotherapy literature. Coordinative behaviours are observable in speech, and they manifest in phenomena such as prosodic accommodation, a dynamic phenomenon closely related to conversational success. A preliminary investigation of interpersonal prosodic dynamics in psychotherapy was performed on a database obtained in collaboration with the University of Padua, consisting of 16 recordings making up the entire course of a brief psychodynamic psychotherapy intervention for …

Presentations & Infographics, Quality Blended Learning Consortium

Open Educational Resources

This tutorial introduces the users to the fundamental concepts on how to create presentations and infographics, as well as provides guidance on the tools to be used, best practices, and mistakes to avoid. The tutorial includes quizzes for self-assessment.

High-Speed Distributed Data Process Of Photometric Astronomical Data, Paul Doyle

Other

Since the 1970s the CCD has been the principle method of measuring flux to calculate the apparent magnitude of celestial objects within astronomical photometry. Each CCD image must be digitally cleaned and calibrated prior to its use. As data archives increase in size to Petabytes, the data processing challenge requires image processing techniques to continue to exceed the rate of data capture.

This paper describes NIMBUS, a rapidly scalable, failure resilient distributed network architecture capable of processing CCD image data at a rate of hundreds of Terabytes per day. NIMBUS is implemented using a decentralized web queue to control the …

What Is A Bim Design Model?, James Peters, Malachy Mathews

Conference papers

The recent report into Building Information Management or BIM, by construction law experts May Winfield and Sarah Rock entitled “Winfield Rock Report” [1] gives reason to state that the UK architectural, engineering and construction industry or AEC, is hindered by the absence of a clear definition of Level 2 BIM. The ISO 19650-2 standard published in 2019, is based upon PAS1192-2:2013. The intent of ISO 19650-2 is to provide a road map to facilitate the standardisation of BIM process in a uniformed fashion. A key pillar of ISO 19650 is the “information cycle” and central to this is a federated …