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Entire Volume Journal Of Banking And Financial Economics 2024, 1(21)

Journal of Banking and Financial Economics

Entire Volume Journal of Banking and Financial Economics 2024, 1(21)

Government Subsidy In The U.S. Mortgage Market: A Structural Analysis With Bunching, Bowen Shi, Yunhui Zhao

Journal of Banking and Financial Economics

It is crucial to better understand the U.S. residential mortgage market, where the global financial crisis originated. In this paper, we develop an infinite-horizon continuous-time structural model to study the effects of the longstanding and widespread Government-Sponsored Enterprises (GSEs) mortgage default insurance subsidy on U.S. mortgage underwriters’ equilibrium lending behaviour. Despite the richness of the model, we obtain analytical solutions for the equilibrium loan size and interest rate. We then employ truncated loan-level data to estimate the subsidy’s magnitude using maximum likelihood by exploiting a distinctive data feature that many borrowers bunch at the subsidy eligibility cutoff. We find that …

A Catholic Defense Of Corporate Law And Practice, Julian Velasco

Notre Dame Journal of Law, Ethics & Public Policy

No abstract provided.

Lessons In Rhetoric From Older Case Law, William B. Reingold Jr.

Notre Dame Journal of Law, Ethics & Public Policy

No abstract provided.

The “Orange Prince” Of Copyright: Warhol’S Prince Series & Transformative Fair Use, Haley A. Palmer

Notre Dame Journal of Law, Ethics & Public Policy

No abstract provided.

The Super Statute’S Kryptonite: The Faa After Efasha, Michael Snyder

Notre Dame Journal of Law, Ethics & Public Policy

No abstract provided.

Accommodating Religious Liberty In An Artificially Intelligent Workplace, Michael H. Leroy

Notre Dame Journal of Law, Ethics & Public Policy

No abstract provided.

The Duty Of The Moment: Retooling The Agrarian Model Of Work/Home Integration, Erika Bachiochi

Notre Dame Journal of Law, Ethics & Public Policy

No abstract provided.

Getting Back On Your Feet: Wrongful Discharge Remedies And Dignifying Work, Ben Tillinghast

Notre Dame Journal of Law, Ethics & Public Policy

No abstract provided.

Blackstone's Rule Has Limited Our Ability To Think, Brian Forst

Notre Dame Journal of Law, Ethics & Public Policy

No abstract provided.

Justified True Beliefs, The Gettier Problem, And Criminal Knowledge In The Model Penal Code, Yifei Wang

Notre Dame Journal of Law, Ethics & Public Policy

No abstract provided.

Ai And Radiologist Assessments On The Prevalence Of Tmj Osteoarthritis Using Radiographic Images: A Comparative Study, Louloua Mourad, Nayer Abo El Saad, Yehia El Mahallawy

International Arab Journal of Dentistry

Objectives: This study aims to address the significant discomfort and functional impairment associated with temporomandibular joint osteoarthritis (TMJ OA), which negatively impacts the quality of life. It emphasizes the importance of prompt diagnosis and explores the potential of an Artificial Intelligence (AI) system to enhance TMJ OA diagnosis.

Methods: The prevalence of TMJ OA was evaluated using 3 diagnostic tools: the gold standard, the AI model, and an examiner. In total, 132 patients who performed 190 cone-beam computed tomography (CBCT) images were included.

Results: The prevalence of TMJ OA was 62.11% using the gold standard, 63.68% using …

American Association Of Law Libraries Academic Special Interest Section White Paper On Continuing Status And Tenure Of Law Librarians, Aall Special Interest Section On Academic Law Libraries Subcommittee On Continuing Status And Tenure, Stephanie Davidson, Cindy Hirsch, Caroline Osborne, Brian Quigley, Jessica Whytock

Faculty Publications

In 2023 the ALL-SIS Continuing Status/Tenure Committee was charged with developing a white paper to provide information on the status, rights, and responsibilities of academic law librarian positions. The information provided in this paper is intended to allow law librarians to make informed career choices, increase knowledge of the rights and obligations of librarian positions, and ensure the development of necessary skills and education for future new positions. Clarity on how positions are structured, their required skills, and credentials is essential at all levels of experience for planning and development for future career growth.

This White Paper does not advocate …

Understanding Our Digital Fingerprints: Metadata, Competency, And The Future Practice Of Law, Stacey Lane Rowland

Faculty Publications

Metadata, often referred to as “data about data,” plays a crucial role in the digital world. It encompasses embedded information within electronic documents that reveals details about their creation, modification, and transmission. In legal proceedings, metadata can be both helpful and controversial, as it can expose sensitive information and potentially support or refute claims of fabricated evidence. With the widespread use of smartphones and other electronic devices, individuals generate vast amounts of personal data, including metadata, that can provide detailed insights into their lives.

This Article explores the significance of metadata in various contexts, such as digital photographs, and highlights …

Data Controllers As Data Fiduciaries: Theory, Definitions & Burdens Of Proof, Noelle Wilson, Amanda Reid

Faculty Publications

No abstract provided.

Erie And Forum Selection Clauses, John F. Coyle, F. Andrew Hessick

Faculty Publications

This article argues that federal courts should apply state law to determine the enforceability of outbound forum selection clauses in diversity cases. Using a hand-collected dataset comparing hundreds of state and federal decisions, the authors show that federal courts enforce such clauses at significantly higher rates, creating incentives for forum shopping and uneven contract rights. They contend that enforceability is a substantive contract issue under Erie and that federal courts lack authority to create federal common law in this area outside §1404(a). The article concludes that applying state law uniformly would prevent inequitable administration and restore coherence to forum selection …

State Succession To In Rem Obligations And The Right Of Peoples To Self-Determination: A Case Study Of Ethiopia's Grand Renaissance Dam On The Blue Nile, Victor Santos Mariottini De Oliveira

Water Law Review

This Article analyzes the contrasting legal stances of Egypt and Ethiopia regarding the construction and operation of the Grand Ethiopian Renaissance Dam on the Blue Nile ("GERD"), a high-impact project that is likely to affect water availability for lower Nile riparian states, notably Egypt More specifically, Egypt's claims of automatic state succession to treaties containing obligations in rem prohibiting the development of such works on the Blue Nile are opposed by Ethiopia's internal self-determination claims supporting the free disposition of its natural resources. This article assesses the soundness of each party's stance under the applicable international law and puts forth …

Major Questions' Quiet Crisis, Graham S. Steele

Faculty Publications

During the New Deal, President Franklin D. Roosevelt declared that the United States was facing a “quiet crisis.” The Supreme Court had struck down his administration’s rules governing the petroleum and poultry industries. Unlike the recent banking panic that had caused the Great Depression, there were “no lines of depositors outside closed banks.” The situation, Roosevelt said, would nonetheless be “far-reaching in its possibilities of injury to America.” The courts ultimately relented, leaving the remainder of the New Deal regulatory settlement largely intact.

Today, the United States confronts another “quiet crisis.” The U.S. banking system has experienced a decade and …

Mangroves Of The Warm Temperate Northwest Atlantic, Daniel A. Friess, Ena L. Suárez, Anna R. Armitage, Cheryl Doughty, Laura C. Feher, Ilka C. Feller, Alejandro Fierro, Kara R. Radabaugh, Lorae T. Simpson, William C. V Vervaeke, Carlos Zamora-Tovar

School of Earth, Environmental, & Marine Sciences Faculty Publications

The ‘Mangroves of the Warm Temperate Northwest Atlantic’ province is a regional ecosystem subgroup (level 4 unit of the IUCN Global Ecosystem Typology). It includes the marine ecoregions of Carolinian and Northern Gulf of Mexico. The biota is characterized by 3 species of mangroves: Avicennia germinans, Laguncularia racemosa, and Rhizophora mangle, and 1 mangrove associate Conocarpus erectus, though not all species are equally distributed throughout the province. Mangroves in this province cross the USA and Mexico and are quite unique, as they exist at the latitudinal range limit of the mangrove ecosystem. The majority of mangroves in this province are …

Duties Owed To The Public, Nicolas Cornell

Book Chapters

How does private law conceptualize duties owed to the public-at-large? Are they owed to individual members of the public? This question is interstitial in two ways—it concerns both the space between public law and private law and the spaces between different fields of private law. Different areas of private law handle it in contradictory ways. Duties of public officials are regarded as owed to individual citizens for the purposes of contract law’s preexisting duty rule but as not owed to individuals as a matter of tort law’s public duty rule. Violations of public property might be enforceable through public nuisance, …

Erasing Section 2?, Ellen D. Katz

Book Chapters

This chapter traces the evolution of Section 2 of the Voting Rights Act since 1982. It shows how Section 2 displaced scores of electoral structures that inhibited minority political participation; how, in so doing, it fostered the proliferation of majority-minority electoral districts nationwide; how judicial distaste for these districts fueled sweeping decisions that dramatically narrowed Section 2’s reach; and how the Court’s recent decision in Allen v. Milligan has, for now, curbed that retrenchment. The chapter also describes recently articulated limits the Supreme Court has placed on Section 2 vote denial—as distinct from dilution—claims; and the way in which Section …

The Contextual Process Of Bystander Intervention In Bias-Motivated Violent Victimization: An Experimental Approach, James Hubbell

Electronic Theses & Dissertations (2024 - present)

Hate crimes against Asian Americans and LGBT individuals have been on the rise within the U.S. in the past few years (UCR, 2024). Although these offenses tend to occur in public, numerous stories in the media highlight that few bystanders choose to intervene. To unveil why bystanders choose not to intervene, this dissertation explored the extent to which 1,001 U.S. adults engaged with the five-step situational model for bystander intervention proposed by Latané and Darley (1970). Respondents were recruited through Qualtrics and randomly assigned to a hate scenario involving one of six victims: an Asian American man, an Asian American …

Analyzing The Correlation Between Surface Elevation And Seasonal And Diurnal Surface Temperature Cycles On Mars, Emily A. Dolan

Electronic Theses & Dissertations (2024 - present)

Recent technologies such as the Mars Climate Sounder, the Mars Orbiter Laser Altimeter, and the Curiosity rover have allowed scientists to examine Mars’ surface, climate, and atmospheric dynamics. Surface temperature data from the Mars Climate Sounder (MCS) were collected and seasonal and diurnal cycles were extracted via Fourier regression analysis into a 1° latitude longitude grid. Diurnal cycles were shown to move from west to east across the surface throughout the day, while seasonal cycles moved from north to south. Two key diurnal portions, one in the early morning, and another in the late afternoon, were chosen due to their …

Multi-Activity Student Knowledge And Behavior Modeling Via Transfer Learning, Siqian Zhao

Electronic Theses & Dissertations (2024 - present)

Online education systems have grown in popularity over the past few years, providing abundant opportunities for students to learn. As the number of students using these systems grows, it promotes the development of the Educational Data Mining (EDM) field, which leverages statistical, machine learning, and data mining technologies to explore large-scale educational data and develop methods to better understand student learning.

In this dissertation, we investigate two essential topics in EDM: Student Knowledge Tracing (KT) and Behavior Modeling (BM). KT aims to quantify and model student knowledge gained from learning activities, while BM focuses on tasks such as modeling student …

Implications Of 5-Methylcytosine (M5c) And N4-Actylcytidine (Ac4c) In Epithelial To Mesenchymal Transition (Emt) In Human Breast Cancer, Manuel A. Pazos Ii

Electronic Theses & Dissertations (2024 - present)

Breast cancer is a complex disease that continues to haunt women and their loved ones around the world. It is currently the leading cause of cancer-related mortality among women. While most breast cancer patients can catch the disease before progression, others are less fortunate. The prognosis of those whose disease has advanced to metastatic or invasive breast cancer (IBC) is grim. Metastasis occurs when cancer cells undergo epithelial to mesenchymal transition (EMT), migrate to distant body tissues, then form new tumors. It is imperative to better understand the process of EMT to develop superior ways to detect breast cancer before …

Evaluation Of The Physicochemical Properties And Soil Biogeochemistry Of Fire Residues, Lingqun Zeng

Electronic Theses & Dissertations (2024 - present)

Wildland fire is a main driving force in the Earth system and affects ecosystem properties and processes across spatio-temporal scales. The burning of biomass and production of solid fire residues (conventionally termed fire ash) that are a mixture of completely and incompletely burned materials (inorganic ash and pyrogenic carbon), represent the direct and prominent changes by fires. Cycling of the fire residues is an integral component of elemental cycles and can mediate other biogeochemical processes.

This dissertation aims to fill important knowledge gaps in understanding the disturbance of wildland fires to biogeochemical processes in soils. First, this work characterized and …

Body Image Development And Eating Disorder Risk In Young Children: What Do Parents Want To Know?, Anna Atchison

Electronic Theses & Dissertations (2024 - present)

Background: Body image concerns and other risk factors for disordered eating can emerge in early childhood, but no interventions specifically target these early risk factors to mitigate future eating disorder risk. This study sought to quantify parents' knowledge of factors influencing eating disorder risk in young children, their concerns about their children’s eating behaviors, and perceived need and preferences for a parent education intervention addressing these topics. Methods: Parents (52 mothers, 55 fathers) of children aged 2-6 completed measures of parental eating disorder symptoms and internalized weight bias and child eating behaviors. Open-ended questions explored parents’ concerns about their children’s …

The Effectiveness Of Cybersecurity Training, Courtney Knight

Electronic Theses & Dissertations (2024 - present)

This study seeks to answer the question of what kinds of cybersecurity training are effective by reviewing the existing literature, analyzing for gaps, and bridging the connection with known learning techniques. The research is exploratory in nature, and is inductive – intending to develop a theory. Additionally, this study seeks to offer a taxonomy of cybersecurity training methods to be evaluated.

This study did not include security operation center (SOC), cyber incident response teams (CIRTs), or other types of advanced cybersecurity professional training. This research specifically focuses on training to improve the average employee and population’s tactical cybersecurity skills.

Several …

Temporal Discrimination Of Lucilia Sericata Pupae Using Dart- Tof-Ms And Statistical Analysis, Nguyen-Khoa N. Pham

Master of Science in Forensic Science Directed Research Projects

Lucilia sericata (Diptera: Calliphoridae) is a forensically important blow fly species. These flies have been extensively studied as they are one of the earliest colonizers of corpses. Adult females blow flies lay approximately 200-2,300 eggs, which upon hatching will feed off the body as they metamorphosize from first to second, and third instars. The third instar larvae then migrate away from the body in a stage known as pre-pupa, and develop into the puparial stage. The adults emerge from the pupa stage, leaving behind their empty puparium. These developmental stages are used by forensic entomologists to determine a minimum postmortem …

The Teapot Dome Scandal: The Supreme Court's Precedent That Changed The Political Corruption Prosecution Because Of Social Pressure, Jesus R. Jimenez-Andrade

All Faculty Scholarship (Archived)

No abstract provided.