Digital Commons Network^™

The Irrecoverable Institution - Why Replayability - Not Explainability - Is The Governance Standard For Agentic Banking, Deepak Aggarwal

Defensive Publications Series

Financial institutions have accelerated the deployment of Agentic AI systems. These systems have the capabilities to make decisions and are operating faster than any governance mechanism can respond. However, when such decisions go wrong, the biggest cost incurred is not due to their very first mistake, but because the financial institution lacks the capability of replaying and governing the decision path until other costs increase significantly.

The objective of this paper is to propose Decision Replay as the base governance framework for agentic financial institutions, which would be the capability to replay and govern decisions at any moment, via any …

Banking Rewired - Reimagining The Future Of Banking In A Protocol-Driven World, Deepak Aggarwal

Defensive Publications Series

The World is Changed. Has Your Bank?  

A fintech executive in New York, USA. An AI researcher in Amsterdam, Netherlands. An MSME owner in Bengaluru, India. Each of them interacts with money not by logging in but living. Money flows, credit adjusts, identity streams, and ethics calculate, all ambiently, intelligently, and consent driven. Not science fiction. This is the shape of banking in a  programmable world. Banks are at a crossroads. The question is no longer: "How digital are we?" It is: "How programmable, ethical, and modular is our institution?"

Four Strategic Shifts Redefining the Future Bank

1. From Platform …

Real-Time Relighting Of Physical Hands In Mixed Reality Using 3d Skeletal Tracking And Skin Thickness Estimation, Ashish Singh, Ahmet Cengiz Öztireli

Defensive Publications Series

This publication describes a framework for seamlessly integrating a user’s physical hands into a Mixed Reality (MR) environment by replacing real-world lighting with virtual illumination in real-time. The technique utilizes 3D skeletal tracking to generate a simplified volumetric model of the hand, which is then used to estimate skin thickness and define material properties (albedo and surface texture). By incorporating 3D bone velocity data, rather than standard 2D pixel tracking, the system stabilizes the decomposition process during rapid movements. The resulting maps allow virtual lighting to be applied realistically, simulating effects like light translucency through thin tissue (e.g., finger webbing) …

The Impact Of Art-Integrated Instruction On Handwriting Development Among Primary School Students, Maryam Ahmed Alomair

Scientific Journal of King Faisal University: Humanities and Management Sciences

This study explores the impact of art-integrated instruction on handwriting development among primary school students compared to the traditional approach. The study perceives handwriting as a form of visual and creative expression with the capacity to foster greater motivation and motor control, positioning it as more than simply a handwriting skill. A quantitative quasi-experimental pretest–post-test design was used for the study, comprising 39 primary school students divided into two main groups, namely, the experimental group (n = 20) and the control group (n = 19). For a period of four weeks, the control group continued to receive the traditional introduction …

Chemistry In The City Module, Ji Kim

Open Educational Resources

This project integrates a historical environmental health report from the CUNY Digital History Archive into an online Introductory Chemistry course to connect core chemical concepts with real urban pollution issues. Students analyze perchloroethylene contamination in apartments above dry cleaners, apply concepts such as volatility, vapor pressure, and concentration units, and reflect on chemical principles underlying indoor air pollution.

Chemistry In The City Module, Ji Kim

Open Educational Resources

This project integrates a historical environmental health report from the CUNY Digital History Archive into an online Introductory Chemistry course to connect core chemical concepts with real urban pollution issues. Students analyze perchloroethylene contamination in apartments above dry cleaners, apply concepts such as volatility, vapor pressure, and concentration units, and reflect on chemical principles underlying indoor air pollution.

Mandatory Arbitration: Privatizing Justice, And The Quiet Displacement Of The Civil Jury Trial, Leo Clarke

Journal of Business & Technology Law

No abstract provided.

The Bg News September 2, 2026, Bowling Green State University

BG News (Student Newspaper)

The BGSU campus student newspaper. September 2, 2026. Volume 106-Issue 02.

From Lab To Clinic: A Toolbox To Address Concerns Regarding Vaccine Safety, Elijah Thalos, Alexandra Yonts, Isabela Gomes

URGENT Matters

No abstract provided.

Clinical Supervision In Local County Jails: The Descriptive Experiences Of Mental Health Supervisors, Vanessa Qualls

Walden Dissertations and Doctoral Studies

The overrepresentation in correctional settings of persons who are seriously mentally ill and/or challenged with addiction has necessitated the presence of qualified mental health professionals. Implementation of quality mental health treatment in correctional settings has been met with various barriers, such as limited resources, physical space constraints, and safety concerns. While these barriers are present in most correctional settings, jails are more likely to encounter individuals who are experiencing acute symptoms related to mental illness and addiction, aggression, and crisis. Mental health counselors make up a significant portion of the mental health workforce in jail settings and may assume clinical …

Ames V. Ohio Department Of Youth Services: Walking The Disparate Treatment Tightrope, Jonathan Lehr

Journal of Business & Technology Law

No abstract provided.

Matter Of Fried V. Lopez

All Decisions

App Div reverses App Term, reinstating Civil Court's dismissal of this personal-use holdover petition. HSTPA Part I §5 expressly applies to proceedings pending at enactment where no judgment of possession had been obtained. No retroactive effect problem arises because the landlord held no vested right to recover units before HSTPA took effect. The heightened 'immediate and compelling necessity' standard and one-unit limit therefore govern this proceeding.

Re: Butte Priority Soils Operable Unit Draft Final Insufficiently Reclaimed Sites Field Sampling And Investigation Plan: Bres No. 9 – Clark Street Dump, Mike Mcanulty

Silver Bow Creek/Butte Area Superfund Site

No abstract provided.

Butte Priority Soils Operable Unit Draft Final Insufficiently Reclaimed Sites Field Sampling And Investigation Plan: Bres No. 11 – Magna Charta Lessee Dumps, Mike Mcanulty

Silver Bow Creek/Butte Area Superfund Site

No abstract provided.

Hunting For Microsatellite Instability In Long-Read Data With Owl., Zev Kronenberg, Byunggil Yoo, Khi Pin Chua, Mark J P Chaisson, Lisa Lansdon, William J. Rowell, Guilherme De Sena Brandine, Jocelyne Bruand, Egor Dolzhenko, Kobe Ikegami, Jay Sarthy, Kie Kyon Huang, Patrick Tan, Shruti Bhise, Everett Fan, Mark Mendoza, Emily O'Donnell, Tomi Pastinen, Elizabeth R. Lawlor, Scott N. Furlan, Midhat S. Farooqi, Michael A. Eberle

Manuscripts, Articles, Book Chapters and Other Papers

Microsatellite instability (MSI) is a key biomarker of mismatch repair deficiency and response to immunotherapy, yet most existing genomic detection methods are optimized for short-read sequencing and rely on a panel of homopolymer markers, limiting the ability to characterize genome-wide and motif-specific patterns of instability. Here we present Owl, a bioinformatic tool for quantifying MSI from long-read (PacBio) genomic data. Owl leverages a genome-wide marker set of more than 140,000 microsatellite repeats ranging from 1-6 bp in length to measure MSI across a phased genome. Using a wrap-around alignment algorithm, Owl constructs repeat-length distributions at each marker site and flags …

No Evidence For Modulation Of The Readiness Potential By Respiratory Phase During Natural Breathing, Lucas Jeay-Bizot, Raniyah Chisti, Uri Maoz, Aaron Schurger

Psychology Faculty Articles and Research

Respiratory processes are increasingly implicated in shaping neural activity and behavior. Recent studies have reported a coupling between respiratory phase and the cortical readiness potential (RP), suggesting that breathing may modulate the neural processes preceding voluntary action. Here, using electroencephalography recordings in humans, we re-examine this claim using the original dataset and a new independent dataset, as well as in simulated data with no coupling. We show that the reported association arises from a confound: both RP amplitude and respiratory phase are coupled to movement onset. The original analysis does not control for this dependency, leading to a spurious effect …

Spartan Daily, September 2, 2026, San Jose State University, School Of Journalism And Mass Communications

Spartan Daily, 2026

Volume 167, Issue 06

Ai Brain Fry In Hospitality And Events: Designing Tech Smart Work That Protects Employee Well-Being, Ken Tsai, Joan Su

ICHRIE Research Reports

Hospitality and event organizations are rapidly adopting artificial intelligence (AI) tools such as chatbots, virtual concierges, automated marketing, and AI‑driven scheduling to address labor shortages and improve efficiency. Emerging research, however, warns of “AI brain fry,” a pattern of mental fatigue, information overload, and decision difficulty linked to intensive AI use and oversight. Drawing on recent empirical work on AI brain fry, large‑scale surveys of AI users, and industry reports on burnout and AI adoption, this research report synthesizes secondary evidence and applies it to hospitality and event contexts. Three high‑risk scenarios are highlighted: guest‑facing chatbots and escalation fatigue, event …

How Philadelphia Markets Itself As A Fifa 2026 Host City: A Social Media Strategy Analysis, Taylor C. Mickley, Kelly G. Barr, Lali Odosashvili

ICHRIE Research Reports

With the 2026 FIFA World Cup around the corner, host cities are competing for global attention on social media. This study analyzed 543 Instagram posts from three host cities: Philadelphia and New York/New Jersey from the USA and Monterrey, Mexico. Posts were collected between August and December 2025 during the FIFA World Cup qualifying period for North and Central America and the Caribbean. Content was classified by category and format, and engagement was measured through reactions, comments, reposts, and shares. The findings challenge a common assumption: cities that posted the most did not generate the most engagement. Commercial content such …

Abstract Of Title Sol Davis Survey, Toliver Acres, Tract 37, 1939

Arlington, Texas Land Records Collection

Abstract of title for Tract 37 of the Toliver Acres addition in the Sol Davis survey by Guaranty Abstract and Title Co. 26 May 1939

Abstract Of Title Sol Davis Survey, Southwest Corner, 1920-1943

Arlington, Texas Land Records Collection

Abstract of title for two tracts of the Solomon Davis survey by Texas Title Company Abstracts 5 May 1920, abstract of title for part of the same by Guaranty Abstract and Title Co. 27 November 1931, abstract of title for the same by Elliott & Waldron Abstract Co. 24 May 1943

Abstract Of Title Sol Davis Survey, Ridgeway Addition, Block 9, 1950

Arlington, Texas Land Records Collection

Abstract of title for a section of the Solomon Davis survey by Elliott & Waldron Abstract Companies 9 May 1950

Abstract Of Title Sol Davis Survey, Reddy Addition, 1953

Arlington, Texas Land Records Collection

Abstract of title for a 1.5 acre section of the Sol Davis survey by Rattikin Title Company 1 July 1953

Abstract Of Title Sol Davis Survey, Ridgeway Addition, 1947

Arlington, Texas Land Records Collection

Abstract of title for Lot 11 of Block 2 of the Sol Davis survey by Elliott & Waldron Abstract Companies 23 July 1947

Abstract Of Title Sol Davis Survey, Fitzhugh & Collins Addition, Randall Home, 415 N. Center, 1915-1952

Arlington, Texas Land Records Collection

Abstract of title for a section of the Sol Davis survey by Texas Title Company Abstracts 27 August 1923, abstract of title for the same by Elliott & Waldron Abstract Companies 15 July 1952

Abstract Of Title Sol Davis Survey, Block 70, Lots 1 & 2, City Of Arlington, 1913-1947

Arlington, Texas Land Records Collection

Abstract of title for a section of the Sol Davis survey by Texas Title Company Abstracts 5 August 1919, abstract of title for the same by Elliott & Waldron Abstract Companies 10 May 1945, abstract of title for the same by Home Guaranty Abstract Co. 26 January 1946, abstract of title for a section of the same by Elliott & Waldron Abstract Companies 3 January 1947

Abstract Of Title Sol Davis Survey, Block 12, 1943-1956

Arlington, Texas Land Records Collection

Abstract of title for a 90 x 238 foot section of the Sol Davis survey by The Fort Worth and Tarrant County Abstract Company 21 April 1943, abstract of title for the same by Home Guaranty Abstract Co. 14 September 1944, abstract of title for the same by Home Guaranty Abstract Co. 21 October 1952

Abstract Of Title Sol Davis Survey, 1925-1945

Arlington, Texas Land Records Collection

Abstract of title for a 50 x 180 foot section of the Solomon Davis survey by Texas Title Company 28 October 1925, abstract of title for the same by Home Guaranty Abstract Company 24 April 1943, abstract of title for the same by Elliott & Waldron Abstract Companies 26 April 1945

Abstract Of Title Sol Davis Survey, 1950

Arlington, Texas Land Records Collection

Abstract of title for a section of the Sol Davis survey by Elliott & Waldron Abstract Companies 10 April 1950

Abstract Of Title Sol Davis Survey, 1943

Arlington, Texas Land Records Collection

Abstract of title for a section of the Saul Davis survey by Home Guaranty Abstract Company 16 September 1943