Digital Commons Network^™

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 …

Indirect Measure Of Financial Constraints: Evidence From Unquoted Innovative Smes, Katarzyna Prędkiewicz

Journal of Banking and Financial Economics

This paper examines whether companies’ innovativeness affects the availability of capital and, therefore, whether this group is financially constrained. It uses an objective, indirect way of measuring financial constraints based on the assumption that financially restricted firms only invest when internal cash flow allows them to do so. Therefore, the research was based on the investment-cash flow equation, more precisely the adjusted ECM model adapted to the SME sector. The companies’ innovativeness was measured based on a proprietary synthetic indicator covering a broad range of information on innovation activity. The research was conducted on a sample of 403 firms, including …

Developing A Professional Identity: Lessons For Women, Bipoc, And First Generation Law Students From The Canaries In The Coalmines, Christine Venter

Journal Articles

From the Article

This Article explores the concept of professional identity formation in the law, particularly as it pertains to women and lawyers of color. The topic of professional identity formation is an understudied area in legal education, despite the ABA’s new Standard 303(b)(3), which requires law schools to provide substantial opportunities for the development of professional identity. In the legal field, professional identity is often conflated with professionalism, which leads to confusion about how law schools should best prepare their students for their professional lives, and fails to fully equip students to join the profession.

Studies from other professions …

How American Sports Leagues Can Respond To The Rise Of Sovereign Wealth Funds, Chris Chen

Emory Business Law Review

This Comment explores the transformative impact of well-funded Middle Eastern sports leagues on the global landscape of professional sports. Fueled by substantial financial support from sovereign wealth funds, these leagues have raised concerns about the possibility that domestic American players may choose to leave their current league in favor of one of the opportunities for more lucrative salaries overseas. The rise of LIV Golf catalyzes these discussions. This Comment also delves into how American sports leagues may respond by potentially allowing players to have equity stakes, engage in sponsorships with gambling websites, and participate other revenue-sharing arrangements. The potential corporate …

Ergot Alkaloid Consumption Alters Serotonin Receptor-Induced Vasoactivity In Ovine Umbilical Vasculature, James L. Klotz, Jessica L. Britt, Maslyn A. Greene, Coral Kent-Dennis, Susan K. Duckett

Animal and Food Sciences Faculty Publications

Consumption of ergot alkaloids during the second half of gestation has been shown to decrease umbilical artery vasoactivity resulting in decreased birth weights. Negative vascular effects of ergot alkaloids are mediated predominantly through serotonergic and adrenergic receptors in other tissues. Vasoactivity of serotonin (5-HT) receptors 5-HT_2A and 5-HT_1B/1D in umbilical artery and vein from ewes receiving endophyte-infected seed (E + 1.77 mg ergovaline/hd/d) or a control total mixed ration (CON; 0 mg ergovaline/hd/d) tall fescue seed at d-110 and d-133 of gestation was evaluated. Gravid reproduction tracts were collected from ewes. Two-mm sections of umbilical artery and vein …

Linking Ethical Leadership To Organizational Citizenship Behavior And Unethical Pro-Organizational Behavior, Jinhee Kim

Theses and Dissertations

The significance of ethical leadership has recently garnered considerable attention from both academia and practitioners. However, despite its reputation for facilitating ethical conduct and preventing unethical conduct, there are inconsistencies in the findings about its relationship with (un)ethical pro-organizational behaviors such as organizational citizenship behavior (OCB) and unethical pro-organizational behavior (UPB). Thus, the purpose of this dissertation is to delve deeply into the influence of ethical leadership on OCB and UPB. Through three interrelated papers, I seek insights into how ethical leadership can drive ethical pro-organizational behaviors that are compatible with broader societal norms. In Paper 1, while noting a …

Exploring International Educators' Learning About Local And Global Social Justice In A Virtual Community Of Practice, Bima Sapkota, Xuwei Luo, Muna Sapkota, Murat Akarsu, Emmanuel Deogratias, Daphne Fauber, Rose Mbewe, Fidelis Mumba, Ram Krishna Panthi, Jill Newton

School of Mathematical & Statistical Sciences Faculty Publications

In this chapter, the authors report themes that emerged when a cross-cultural team of researchers involved in a virtual international community of practice (Global Social Justice in Education-GSJE) investigated reflections on activities focused on social justice in local and global contexts. The findings suggested that the activities elicited GSJE community members' understandings of the complexities of social justice associated with naming practices, privilege, and the arts within their own and across contexts. The authors discuss implications of the activities to advance diverse educators' understanding of social justice in global and local contexts. They also unpack the opportunities and challenges that …

Deep-Learning Approaches To Predict Remaining Useful Life Of Hard Disks, Rohan Mohapatra

Master's Projects

On a daily basis, data centers process huge volumes of data using inexpensive hard disks. Data stored in these disks serve a range of critical functional needs from financial, and healthcare to aerospace. As such, premature disk failure and consequent loss of data can be catastrophic. To mitigate the risk of failures, cloud storage providers perform condition-based monitoring and replace hard disks before they fail. By estimating the remaining useful life (RUL) of hard disk drives, one can predict the time-to-failure of a particular device and replace it at the right time, ensuring maximum utilization whilst reducing operational costs. We …

The Impact Of Daylight Saving Time Transitions On Domestic Violence Call Volume, Quynh-Nhu Pham

Master's Projects

Daylight Saving Time (DST) is a longstanding practice in many countries, involving the seasonal adjustment of clocks by one hour forward in the spring, and one hour backward in the fall. Although DST was initially introduced to promote energy conservation and maximize daylight hours, it has become a subject of debate, given its impact on physical and mental health, cognitive performance, and criminal behavior (Kountouris & Remoundou, 2014).

In 2022, Colorado enacted a law adopting year-round DST, contingent upon a federal law enabling states to maintain DST throughout the year as opposed to ST, like Hawaii and Arizona (Chasan, 2024). …

Domain Expert Bot, Amrutha Dondemadahalli Ramegowda

Master's Projects

The fast growth of artificial intelligence in human-computer interaction has been aided significantly by the introduction of conversational AI systems. This project presents a Domain Expert Bot, a multi-domain conversational bot built with advanced NLP techniques incorporated through Sentence-BERT and MapReduce to allow the bot to analyze and comprehend challenging user queries on various topics. The bot can converse on different subjects ranging from technology topics to healthcare, environment, politics, and casual discussions. It excels in understanding deep language contexts and efficiently processes large datasets, ensuring prompt and accurate responses. Furthermore, it uses advanced ranking algorithms to perform real- time …

Emulating Human Personality With Large Language Models Through Contextual Prompts And Fine-Tuning, Mrunal Zambre

Master's Projects

The quest for AI systems that can mirror the intricate aspects of human emotion and personality is crucial for enhancing their performance. This project delves into the capabilities of Large Language Models (LLMs) to mimic the Big Five personality traits in human-written essays by utilizing contextual prompts and fine-tuning methods. Diverging from traditional research in this domain, this project explores smaller, open-source LLMs, including LLaMA 2 7B chat, LLaMA 2 13B chat, and Vicuna v.15 13B, to assess their potential in personality prediction tasks, thereby making high-level personality emulation more accessible and practical for application integration. Through meticulous prompt engineering, …

Distinguishing Chatbot From Human, Gauri Anil Godghase

Master's Projects

There have been many recent advances in the field of Generative Artificial Intelligence and Large Language Models, with GPT 3 or ChatGPT model being one of the frontrunners in this field. These large language models have become so powerful that it has become difficult to differentiate between text written by humans and machine-generated text. This paper proposes a solution to the problem of classification of the origin of data (human or chatbot) by using Machine Learning. In addition, the proposed solution also helps us analyze the text generated by such Language Models and understand the underlying patterns present in the …

Exploring The Use And Misuse Of Large Language Models (Llms), Hezekiah Paul D. Valdez

Master's Projects

Large Language Models (LLMs) have quickly gone from simple rule-based systems to complex knowledge bases capable of tackling many different tasks across a variety of fields. What began as an exercise in human-computer interaction has become the basis for artificial intelligence in a variety of mediums. When attached to larger systems, LLMs become generative assistants that can perform highly on human proficiency assessments and other benchmark skill assessments. This increase in proficiency has led these systems to be deployed in fields such as cybersecurity, business, and programming to help improve productivity and efficiency. However, such a wide availability has allowed …

Enhancing Qwen2.5-Coder: A Deep Dive Into Fine-Tuning Using Peft For Superior Code Outputs, Lohith Nagaraja

Master's Projects

The main objective of this research is to improve the quality of software code that is produced by the Qwen2.5-Coder model specifically in terms of maintainability, complexity, and reliability. Our approach is going to be a more specific one that will involve the Parameter-Efficient Fine Tuning (PEFT) framework combined with quantization through Low-Rank Adaption (LoRA). This approach involves fine-tuning only some of the parameters of a model to make it suitable for software programming with the general structure of the model largely intact. In this paper, SonarQube is used as a tool to help quantify the improvements made to the …

Addressing Equity Gaps In Stem: A Self-Study, Prabhjeet Kaur Brar

Dissertations

The Hispanic/Latinx population is increasing nationwide and in the state of California; however, the Hispanic/Latinx population remains underrepresented in STEM professions contributing to a lack of diversity in STEM. To increase the academic success of the Hispanic/Latinx student population in STEM majors, high leverage research-based teaching strategies through the lens of historically responsive literacy were applied and examined throughout this research. The purpose of this mixed-methods self-study was to examine the impact of research-based effective strategies/high leverage practices on Latinx students’ success rates in my introductory biology classrooms. The study focused on two biology course sections with a laboratory. Each …

(Miss)Educated Latino Males: Academic Preparedness, Navigation, And Retention At 2-Year Colleges, Nannette Stephanie Regua

Dissertations

This study centers Latino males, first generation, first year students at four 2-year colleges in the Silicon Valley by understanding their experiences in transferable English 1A Writing Composition course and looking at the acts of instilling a sense of belonging and mattering by institutional agents and support services that are invaluable to student retention and success. The purpose of this study is to determine Latino male students’ perceptions of academic preparation, navigation, and success in higher education after the implementation of California Assembly Bill 705. My findings revealed important themes that map onto conceptual frameworks, most notably the Community Cultural …

Gradual Typing For Information Flow Control In Typescript Using Es Lint, Ashish Agarwal

Master's Projects

Current state-of-the-art systems tackle data security threats by incorporating information flow control (IFC) to ensure that a piece of information reaches only its intended recipient. However, most IFC implementations introduce a custom language built on top of a well-known language. Adaptations of such languages are limited due to limited support and updates, along with difficulty in learning new syntaxes. Implementations without a custom language offer incomplete IFC support. We present a comprehensive framework by leveraging Typescript, in conjunction with ESLint and NodeJS, aiming to resolve some of the limitations of IFC and intending to facilitate acceptance by a wide range …

Effect Of A Brief Coping Intervention On Activity Of Target Organs Of The Sympathetic And Parasympathetic Nervous Systems During Stress, Kyle P. Rawn

Theses and Dissertations--Psychology

Stress is a critical aspect of the human experience and how an individual responds to stress can shape future outcomes, such as physical and mental health, as well as shape the patterns of stress responding that persist throughout one’s lifespan. Coping is a central element of stress responding and can strongly influence the outcome of the stress process. Successful coping can alleviate stress, but ineffective coping may lead to less-than-optimal responding. For example, aspects of the biological stress response, such as activity of target organs for the sympathetic and parasympathetic nervous systems, have important implications for future susceptibility to health …

Relationship Of Criterion A Level Of Personality Functioning With Borderline Personality Disorder Over The Course Of Brief Treatment, Michelle M. Smith

Theses and Dissertations--Psychology

The Alternative Model of Personality Disorders (AMPD) housed within DSM-5 Section III posits that impairments in personality functioning, operationalized by the Level of Personality Functioning Scale (LPFS) “constitute the core of personality psychopathology” (APA, 2013, p. 762). If this is the case, there should be strong associations between LPFS and DSM personality disorders, including borderline personality disorder (BPD). BPD Compass is a comprehensive CBT-based treatment for BPD which aims to reduce BPD symptoms over the course of 18 weekly sessions. This study examined if a) LPFS would be associated with changes in BPD symptoms, b) whether LPFS has incremental validity …

The Experience And Regulation Of Posttraumatic Shame Among Women With Interpersonal Trauma Histories, Jordyn M. Tipsword

Theses and Dissertations--Psychology

Posttraumatic shame – an emotion stemming from harsh attitudes about the self after trauma – is central to PTSD for many women following physical or sexual assault or abuse (interpersonal trauma [IPT]). However, knowledge of the frequency, intensity, and stability of shame in the daily lives of women post-IPT is lacking. Additionally, while some work has explored shame-specific emotion regulation (ER), or processes aimed at changing emotional responses, it remains unclear which ER strategies are effective in reducing shame, and the role of PTSD severity in shame regulation also remains unexplored. This project explored daily experiences and regulation of posttraumatic …

Menstrual Cycle Phase And Hormonal Effects On Emotional Eating In Females With Attention-Deficit/Hyperactivity Disorder, Urveesha Nirjar

Theses and Dissertations--Psychology

Previous research has shown that cyclical fluctuations in ovarian hormones can predict changes in ADHD symptoms as well as eating behaviors, particularly emotional eating across the menstrual cycle. Previous studies have so far only examined the effects of estrogen (E2), progesterone (P4) and cycle phase in predicting individual symptoms or disorders such as ADHD or eating disorders or related behaviors separately. The aim of this study is to examine how emotional eating is influenced by naturally occurring hormonal and cycle changes in a sample overrecruited for ADHD. Seventy-eight individuals (assigned female at birth) with menstrual cycles overrecruited for ADHD provided …

Terror And Time: Analyzing Homegrown Terrorism In The United States, Kyser Daniels-Baessler

Theses and Dissertations

The events of September 11th, 2001, prompted a global reckoning with the threat of international terrorism, leading to intensified awareness and policy responses worldwide. However, amidst this heightened global focus, the United States has faced a concerning rise in politically motivated violence on its soil. Against this backdrop, this thesis delves into the phenomenon of homegrown terrorism within the United States from 2000 to 2020. By employing advanced geospatial techniques, this study seeks to pinpoint areas nationwide with elevated rates of homegrown terrorist incidents. Moreover, it endeavors to uncover potential temporal correlations between these acts of violence and significant events, …

Engaging With Culturally Relevant Curriculum Development Practice In First-Year Writing Courses Through A Community Of Practice, Mitchell Dallas Herring

Theses and Dissertations

This qualitative action research study provides a case study of a community of practice (CoP) comprised of six faculty who teach first-year writing at Southern Technical College (pseudonym) as they engaged with culturally relevant teaching to review their curriculum development practices. The guiding question of this study was: How does engagement with culturally relevant pedagogy within a community of practice impact faculty who teach first-year writing's curriculum development practice, especially given their perceptions of students' needs and literacies? The study used a case study research design to document the faculty's experiences discussing and reflecting on their practice and perceptions of …

Stereocontrolled Synthesis Of Lactam-Fused Tetrahydropyrans As Potential Antidiabetic Agents, Ifeyinwa Stella Anosike

All Master's Theses

Functionalized tetrahydropyrans are structural motifs in diverse natural products, including polyether antibiotics, marine toxins, pheromones, and pharmaceuticals. They are frequently used as versatile building blocks for accessing stereochemically sophisticated biologically active compounds. Specifically, functionalized bicyclic tetrahydropyrans bearing contiguous stereocenters have garnered interest in the synthesis and medicinal chemistry communities. Thus far, some synthetic methods have been developed for their construction and functionalization. These methods include Prins' cyclization reactions, intramolecular oxa-Michael reactions, hetero-Diels-Alder cyclization, ring-closing metathesis, radical cyclization, and halocycloetherification. However, these methods have some drawbacks such as the need for expensive reagents and catalysts, substrate limitations, and environmentally unfriendly conditions. …

Gnss Radio Propagation Through Trapped Atmospheric Lee Waves In The San Bernardino Valley, Ca, Logan Grey

All Master's Theses

Atmospheric lee waves, also known as mountain waves, are a type of gravity wave that form as air that is forced over a mountain creates turbulence downstream. Trapped, or stationary, lee waves located directly over a Global Navigation Satellite System (GNSS) receiver on Earth’s surface appear to lead to anomalies in the receiver’s position estimate, usually skewed toward the neighboring mountain range. The exact mechanism by which trapped lee waves might cause these anomalies is not known, and so my research aims to understand this. GNSS station P612 located in the lee of the San Bernardino Mountains in southern California …

Quality Inclusive Classrooms And Integrating The Project Approach With Children With Special Needs, Marie Elizabeth Helmrich

Graduate Research Papers

This literature review aims to identify what elements define quality preschool inclusion. The Inclusive Classroom Profile (ICP) is a measure discussed for quality improvement purposes. The challenges that arise with quality inclusion are also explored. The Project Approach (PA) is explained, including the benefits of the approach, along with the successes and challenges it presents when implementing it in an inclusive classroom. The conclusion of this literature review includes recommendations for educational policies and practices and a recommendation for future research regarding quality inclusion and the implementation of the PA.

Punitive Experiences: Perspectives Of School Discipline Among Black American Males, Joseph Martin King

Theses and Dissertations

Among student groups within American public schools to date, Black males continue to be one of the most marginalized student groups in America. In spite of all the documented research findings that describe the problem from a research, policy, and practice standpoint, and given the plethora of well-documented knowledge of structural patterns identified and labeled as zero-tolerance policies and/or the school-to-prison pipeline, in conjunction with school reform attempts, Black males remain the largest segment of students who are academically discouraged and disproportionally affected by discipline in American public schools. Among the abundance of academic literature that describes the academic marginalization …

Fiscal Equity: The Non-Profit Model Of Corporate Ownership, Eric A. San Juan

American University Business Law Review

In an era of excessive executive compensation, the non-profit corporation serves as an exemplary alternative. Voluntarily, some brand-name manufacturers operate under existing law that permits non-profit ownership. Virtually all corporations could become non-profits under a legislative reform potentially more effective than past redistributive measures. Twentieth-century progressive taxation has waned, while initiatives to endow impoverished children with personal accounts have not expanded beyond pilot programs. Instead, economic inequality widens with global industrialization. Traditionally, deprivation led to the call for the abolition of private ownership of the means of production, yet this proved impracticable under revolutionary regimes. A review of the evolution …

The Chicken Or The Egg: The Proper Order Of Analysis When Determining The Enforceability Of A Delegation Clause And The Broader Arbitration Agreement In Consumer Contexts, Parker Reynolds

American University Business Law Review

First, this Comment will provide pertinent background on the Federal Arbitration Act (“FAA”) to better understand the intent of the legislation and how it has historically been applied. Second, this Comment will seek to not only explain the underlying cause of the circuit split but also offer a framework for the proper order of analysis in situations with both a delegation claim and an unenforceability claim. Specifically, this Comment will argue that although a delegation clause’s enforceability must be analyzed separately from the entire agreement’s enforceability, the delegation clause must be examined within the context of the arbitration agreement to …

Accidental Corporate Social Norms, David Kwok

American University Business Law Review

Corporations deliberately attempt to shape social norms through advertising, publicity, and political contributions. This paper considers the threat of corporations’ accidental influence on social norms and expectations. When corporations have accidents, we frequently focus on direct harms: an oil platform may catch fire and explode, leading to environmental and human losses. These accidents may also impact social norms, though. If users stay with a dominant social networking firm despite repeated data privacy breaches, for example, people might come to accept a lack of data privacy. Dominant firms may inadvertently facilitate rapid reshaping of societal expectations. Judicial recognition of this threat …