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Iceland: Depositors’ And Investors’ Guarantee Fund, Adam Kulam

Journal of Financial Crises

Leading up to the Global Financial Crisis of 2007–2009, Iceland’s three largest banks accumulated assets totaling several times the size of Iceland’s GDP and financed their growth through foreign borrowing. As wholesale funding dried up in 2007, they replaced this borrowing by rapidly gathering deposits through foreign branches and subsidiaries located in the European Union, primarily in the United Kingdom and the Netherlands. In the summer and fall of 2008, international credit markets froze and the Icelandic banks were unable to roll over their maturing liabilities. On October 6, Prime Minister Geir Haarde announced a full guarantee of domestic deposits. …

Greece: Hellenic Deposit Guarantee Fund, Lily S. Engbith

Journal of Financial Crises

Responding to general financial and economic volatility during the Global Financial Crisis (GFC), the Greek government in November 2008 sought to shore up public confidence in the banking system by raising the deposit-insurance limit from EUR 20,000 to EUR 100,000 (127,000 USD) per depositor for three years. The Hellenic Deposit Guarantee Fund (HDGF) was responsible for administering this adjustment, which was accompanied by a fivefold increase in the percentages used for calculating member institutions’ annual contributions. All credit institutions that were authorized to operate in Greece, including branches of foreign banks without their own coverage, were required to participate in …

Hong Kong Sar: Full Deposit Guarantee, Ezekiel Vergara, Lily S. Engbith

Journal of Financial Crises

Following a run on Hong Kong’s fifth-biggest bank in September 2008, the Hong Kong government announced that it would use its Exchange Fund to extend full insurance temporarily to depositors at approved banks. The existing Deposit Protection Scheme (DPS) would continue to insure the first 100,000 Hong Kong dollars (HKD; about USD 13,000) per depositor at each bank; the new program would cover the rest. It also covered a broader set of institutions. The Hong Kong Monetary Authority (HKMA) administered the program, overseen by the Hong Kong Deposit Protection Board (HKDPB); the HKMA was also responsible for managing the Exchange …

France: Deposit Guarantee Fund, Ezekiel Vergara

Journal of Financial Crises

In October 2008, during the Global Financial Crisis (GFC), European Union (EU) officials urged member states to raise their minimum deposit-insurance coverage to at least EUR 50,000 (USD 68,000) to promote confidence in banks. France did not need to increase its deposit-insurance cap to meet this target, as it already guaranteed EUR 70,000. The following year, EU officials passed a directive that required all member states to permanently increase their minimum deposit-insurance coverage to EUR 100,000 by December 31, 2010. French authorities complied with the EU’s directive on September 29, 2010. The Fonds de Garantie des Dépôts (FGD), a private …

Brazil: Time Deposits With Special Guarantee, Sharon M. Nunn

Journal of Financial Crises

Uncertainty from the Global Financial Crisis spread to the Brazilian financial system in 2008, triggering a flight to quality toward assets with explicit or implicit government guarantees. In the Brazilian context, this meant depositors pulled funds from small and medium-size banks and parked them in larger banks that investors believed the government was more likely to backstop. The National Monetary Council (CMN) created the Time Deposits with Special Guarantee program (DPGE) in March 2009 to bolster liquidity in small and medium-size banks. The CMN put the country’s existing deposit insurer, the Credit Guarantee Fund (FGC), in charge of administering the …

Belgium: Protection Fund/Special Protection Fund, Adam Kulam

Journal of Financial Crises

At the height of the Global Financial Crisis (GFC) in fall 2008, the Belgian government increased the coverage limits of its deposit guarantee to restore faith in its banking system, protect savers and depositors, and safeguard financial stability. Belgium joined the European Union’s (EU) efforts to strengthen deposit guarantee systems. The measures complemented the Belgian government’s other efforts to secure domestic banks. The government implemented the emergency measures in October and November 2008 through royal decrees, which Parliament later incorporated into law. In a five-week span, Belgian authorities increased the deposit guarantee from EUR 20,000 to EUR 100,000 (USD 26,820 …

Austria: Unlimited Deposit Guarantee, Sharon M. Nunn

Journal of Financial Crises

After Germany and Ireland implemented unlimited deposit guarantees, Austrian officials passed a law on October 26, 2008, that removed deposit-insurance limits for individual depositors, fearing that Austrians would move their money to countries with higher deposit coverage. The government established the program using the country’s existing, mandatory deposit-insurance system (DIS), which was private, ex post funded, and segmented into sectoral schemes that covered different kinds of financial institutions. During payouts, the schemes covered the first EUR 50,000 (USD 67,000) of guaranteed funds to a given depositor, and the government the government covered the rest. The government required all financial institutions …

Australia: Financial Claims Scheme, Ezekiel Vergara

Journal of Financial Crises

Following the collapse of Lehman Brothers on September 15, 2008, the Australian government intervened in its own banking system, both to support domestic depositors and to keep its banking system competitive with those in countries whose regulators had already intervened. On October 12, 2008, the Australian government announced the Financial Claims Scheme (FCS) to insure bank depositors. The deposit guarantee automatically insured depositors at all authorized deposit-taking institutions and covered a range of deposit accounts. As initially announced, the FCS would provide a blanket guarantee to all depositors with no fee for participation. This blanket guarantee, however, prompted a migration …

Frost Resistance And Pore Structure Properties Of Mortar Containing Air Entraining Agent Combined With Superabsorbent Polymer, Yanqun Xu, Qiang Yuan

International Conference on Durability of Concrete Structures

The air entraining effect of air entraining agent (AEA) is deeply affected by environment, which will further influence its function of improving frost resistance. To solve this problem, a strategy of using AEA combined with superabsorbent polymer(SAP) to improve the frost resistance of mortar was proposed in this study. Mass loss and relative dynamic elastic modulus of mortar were used to characterize frost resistance of mortar. Air void density, spacing factor, air void distribution and air content were measured to analyze its pore structure properties. The results verify that the combined use of AEA and SAP can improve the frost …

The Transportation Of Corrosion Products In Cementitious Material Under Chloride-Rich Environment, Yuzhou Wang

International Conference on Durability of Concrete Structures

Corrosion products, forming on steel bar in cementitious material, can lead to concrete cracking. Clear the transportation of corrosion products is of great significance to predict corrosion-induced structural deterioration. This study investigates the corrosion products in steel-reinforced concrete specimen. By Raman spectroscopy and SEM method, the chemical constituents and micromorphology of corrosion products at steel-concrete interface as well as those inside the pore of cement paste are investigated. The proportion of corrosion products filling into the cement paste is determined by EDTA titration method. The results reveal that corrosion products diffuse in forms of ion in solution under chloride-rich environment, …

Advance Organizers: Activating And Building Schema For More Successful Learning In Students With Disabilities, Kathy Joan Daniel

LC Journal of Special Education

The purpose of this paper is to explore advance organizers and their use as tools to activate and build schema when students with disabilities are presented with new concepts in the classroom. This will be done by first giving a brief synopsis of the inception of advance organizers and their connection to schema theory. Next, various types of organizers and their uses will be offered to enable teachers to determine the best organizers to use for their individual students and the type of content being presented. Then, because it is important for the teachers to make selections of organizers for …

Black Male School Administrators Unbridled: Strategies To Say What Needs To Be Said, Jamel Gibson

The Journal of Advancing Education Practice

Black males in educational leadership positions need strategies to remain authentic, make cultural connections to staff and students, and to be free to speak to stakeholders without fear of reprimand, retaliation, demotion, and other negative perceptions associated with American stereotypes. This opinion paper will share insight on the challenges coupled with being a Black male administrator in the American public school system and provide strategies for success.

China As A Twenty First Century Naval Power: Theory, Practice, And Implications, Francis Miyata, Michael A. Mcdevitt

Naval War College Review

No abstract provided.

The Sailor’S Bookshelf: Fifty Books To Know The Sea, Charles D. Melson, James G. Stavridis

Naval War College Review

No abstract provided.

War Is The Storm—Clausewitz, Chaos, And Complex War Studies, B. A. Friedman

Naval War College Review

Complexity theories indeed do apply to war, and Clausewitz’s theories were the first to grapple with them. War is nonlinear, but the parallels between war and complexity science, and between complexity science and Clausewitz, do not stop with nonlinearity. Clausewitz’s theory of war does not just allude to complexity; rather, complexity is at its very core.

Countering China’S “Trident” Strategy—Frustrating China’S Aims In The East And South China Seas And The Indian Ocean, Kohji Kuhara

Naval War College Review

China is trying to construct a naval strategy to deny U.S. forces freedom of action in the western Pacific Ocean. Looking back to the U.S. Navy’s last major strategic contest, against the Soviet navy during the Cold War, provides comparisons between Soviet and Chinese strategies that yield insights and analogies that can help develop more effective countermeasures against undesirable Chinese initiatives.

Living Situation And Physical Activity In The Covid-19 Pandemic Among American Private University Students, Eduardo Gonzalez Villarreal, Laura S. Kabiri, Cassandra S. Diep, Hedi Y. Perkins, Amanda M. Perkins-Ball, Augusto X. Rodriguez

International Journal of Exercise Science

International Journal of Exercise Science 15(4): 1064-1074, 2022. Many university students experienced changes during the COVID-19 pandemic, including potential changes in physical activity (PA) levels and living situation. As PA behaviors in young adulthood help establish life-long habits and future health outcomes, the purpose of this study was to investigate overall change in PA, as well as change in PA due to living situation, among private university students during the COVID-19 pandemic. Private university students (n = 109) between 18 and 25 years of age completed an online survey that included the International Physical Activity Questionnaire – Short Form. T-tests …

Building The Research Enterprise Of 2028, Mark L. Tykocinski, Md

Thomas Jefferson University Research Magazine

This edition of Jefferson Research offers a tantalizing peek at the array of work done at Thomas Jefferson University: from how mitochondria communicate with nearby organelles, to the use of innovative textiles to reduce a building’s energy consumption; from how “digital readiness” can improve health equity, to space travel’s effects on the immune system. It also serves as a lens on the exciting path that our university's research community will pursue over the next five years, guided by our new strategic plan for the Jefferson Research Enterprise

Using Scratch Wound Assay To Study The Effect Of Soil Arsenic On Human Keratinocyte Cell Migration Due To Contact Exposure, Manas Warke, Laura De March, Srinivas Kannan, Madeline English, Rohan Sarkar, Rupali Datta, Smitha Rao

Michigan Tech Research Data

The scratch wound assay was performed on Human immortalized keratinocytes (HaCaT) cells to observe the effect on cell migration due to contact exposure to arsenic-contaminated Immokalee soil. The cell migration was observed through a microscope for 72 h. HaCaT cells were seeded in 48-well plate. On day 3, treatment media was added (n=8). The cells were treated with four concentrations of soil As (45, 225, 450, and 900 mg/kg) and two controls - Negative control (NC; Pure media) and control (C; 0 mg/kg soil As) for 72 h. A scratch was made using a pipette tip. The wound healing was …

Using Scratch Wound Assay To Study The Effect Of Soil Arsenic On Human Dermal Fibroblasts Cell Migration Due To Contact Exposure, Manas Warke, Laura De Marchi, Srinivas Kannan, Madeline English, Rohan Sarkar, Rupali Datta, Smitha Rao

Michigan Tech Research Data

The scratch wound assay was performed on Normal Human Primary Dermal Fibroblasts (HDFa) cells to observe the effect on cell migration due to contact exposure to arsenic-contaminated Immokalee soil. The cell migration was observed through a microscope for 72 h. HDFa cells were seeded in 48-well plate. On day 3, treatment media was added (n=8). The cells were treated with four concentrations of soil As (45, 225, 450, and 900 mg/kg) and two controls - Negative control (NC; Pure media) and control (C; 0 mg/kg soil As) for 72 h. A scratch was made using a pipette tip. The wound …

Chapter 12: Including The Exclusive: A Framework For Diversity And Inclusion Training In Intercollegiate Athletics, Abeni El-Amin Ph.D., Ramon Johnson

Management Faculty Publications

This research provides an analysis of Kentucky State University's (KSU) Athletic Departmental Diversity, Equity, Inclusion, and Belonging (DEIB) training series based on Wolfe's leadership competencies. Utilizing Wolfe's competencies of leaders profile to measure DEIB training effectiveness provided a framework to evaluate the program. Wolfe's four domains are Domain 1: Vision, Values, and Culture; Domain 2: Personal Skills, Mindsets, and Values; Domain 3: Capacity Building for Innovation and Continuous Improvement; and Domain 4: Shared Responsibility and Structures for Continuous Improvement, Innovation, and Assessment. It was found that leaders must focus on the internal complexities of leadership and organizational development, as well …

Chapter 13: Reconceptualizing Diversity Training Predictors Of Training Success, Shakoor Ward, Abeni El-Amin Ph.D.

Management Faculty Publications

The results of in-depth meta-analyses of diversity training outcomes reveal that cognitive learning is the strongest effect from diversity training, while smaller effects were behavioral and attitudinal change. Further results of the analysis suggest that successful diversity training occurs when learning is the goal, not impact from behavior or attitude changes. An adapted version of The Kirkpatrick Training and Evaluation Model is highlighted to demonstrate how to design an evaluation that measures actual learning, rather than perceived learning. In addition, the Plus/Delta feedback tool is introduced as an effective evaluation tool to identify what is going well and what needs …

Chapter 1: The Merits Of A Chief Diversity Officer (Cdo): Enterprise Training Program Strategy, Abeni El-Amin Ph.D.

Management Faculty Publications

Developing an enterprise training program requires a commitment to cultivating diversity, equity, inclusion, and belonging (DEIB) organizational initiatives while providing alignment to the organizational mission, vision, and ethos. With this knowledge, enterprise training programs benefit organizations by fostering authentic cultures to resolve persistent issues of bias, implicit bias, and offenses of corporate policies. As a value, organizational leadership must lead and champion diversity initiatives to ensure stakeholders understand the importance of complying with organizational policies. The problem is that effective DEIB initiatives need implementation or an overhaul. Institutional DEIB initiatives fail because they have yet to identify the rationale for …

Antonia Udasco-Kist V. Thomas Jefferson University Ho

2022 Decisions

USDC for the Eastern District of Pennsylvania

On Job Resiliency Training, Tailored For Hospital Nurses: A Feasibility Study, Zach Gerber, Sigal Shafran-Tikva, David Anaki

Journal of Wellness

Introduction: Burnout is a primary threat to professional wellness and performance. It reflects work-related emotional stress and is commonly manifested among professional caregivers. This study explores whether self-compassion training can alleviate hospital nurses' work-related emotional stress and burnout.

Methods: In the present study, we conducted a weekly, 7-session, self-compassion training program among 15 hospital nurses, primarily working in critical care units, between January 22, 2020, and March 4, 2020. A group of nine other nurses, comprising a waiting list for the following training workshop, served as a control group. Beyond feasibility assessment, we also measured outcome effects according to previous …

Factors Influencing The Adoption Of Smart-Home Appliances: Users' Perspectives, Prakash Shahi

Dissertations

Smart appliances will be a significant part of the annual $300 billion smart-home market by 2025. Their use is expected to grow at a compounded annual growth rate of 31% for the foreseeable future. Currently, 12-16% of households use smart-home products in the U.S., including thermostats, TVs, refrigerators, coffee machines, garage door openers, and vision-equipped doorbells. Smart appliances provide significant benefits to us over traditional appliances. Smart appliances simplify our lives by automating various tasks in our homes and allowing us to monitor and control them remotely from our offices, grocery stores, and wherever we may be.

Despite the usefulness …

Social Role And Role Congruity Influences On Perceived Value Of Women’S Leadership At Southwestern Research Universities, Stephanie J. Jones, Patricia Ryan Pal

Journal of Women in Educational Leadership

This qualitative survey study, framed by social role and role congruity theories, explored the perceptions and experiences of 33 women faculty and academic administrators at doctoral-granting highest research-intensive universities located in the Southwestern region of the U.S. The purpose of the study was to expand on our understanding of how social role and role congruity theories can explain and further our understanding of how women are perceived to be valued as leaders in the higher education space, and how society supports this continued valuation. For purposes of this study, social value is explored through the operational processes of higher education …

Jul. 18, 2022, Am Sec, Draft Accountability Mechanism Operating Procedures, Am Sec

World Bank Inspection Panel 1994-Present

No abstract provided.

Real-World Third Covid-19 Vaccine Dosing And Antibody Response In Patients With Hematologic Malignancies, Michael A. Thompson, Sigrun Hallmeyer, Veronica E. Fitzpatrick, Yunqi Liao, Michael P. Mullane, Stephen C. Medlin, Kenneth Copeland, James L. Weese

Journal of Patient-Centered Research and Reviews

Purpose: This study sought to describe the changes in immune response to a third dose of either Pfizer’s or Moderna’s COVID-19 mRNA vaccine (3V) among patients with hematologic malignancies, as well as associated characteristics

Methods: This retrospective cohort study analyzed pre-3V and post-3V data on 493 patients diagnosed with hematologic malignancies across a large Midwestern health system between August 28, 2021, and November 1, 2021. For antibody testing, S1 spike antigen of the SARS-CoV-2 virus titer was used to determine serostatus.

Results: Among 493 participants, 274 (55.6%) were seropositive both pre- and post-3V (+/+) while 115 (23.3%) seroconverted to positive …

Hanaway Named To Martha Robinson Tankersley Endowed Professorship In Transplant Clinical Excellence, Staff

Browse All News

No abstract provided.