Digital Commons Network^™

2025 Annual Report, Tennessee. Department Of Financial Institutions.

Department of Financial Institutions

No abstract provided.

The President As Agent: Reframing The Major Questions Doctrine, Matthew Collins

ConLawNOW

On the heels of the Learning Resources v. Trump decision, this Essay argues that agency theory provides an important framework for understanding the major questions doctrine. This perspective has received little attention in legal scholarship. The Essay casts the major questions doctrine in a new light by framing it as a constraint on the president acting as Congress’s agent. By highlighting this bridge between private-law agency principles and public law, the piece offers two novel insights. First, it reconceptualizes the relationship between the major questions and nondelegation doctrines: the former addresses the unfaithful execution of Congress’s directives by the executive …

Reframing Narratives: Remedies For Improved Human Trafficking Coverage, Stefanie Henriques

The Pegasus Review: UCF Undergraduate Research Journal

The global rise in human trafficking is not receiving adequate media attention. While newspaper coverage of the topic has increased, current research argues that the issue is framed with a lack of diversity, limiting audience understanding of its complexity. Some researchers also note that coverage disproportionately focuses on sex trafficking, with minimal attention directed to other forms of trafficking such as the labor or organ trade. This paper conducts a narrative literature analysis of media research on human trafficking, drawing on framing theory to identify dominant frames in media messaging and synthesize cross-cultural factors that impact how the issue is …

Presentation Of Mr. Mohamed Ngassi Saqout's Thesis On Judicial Review Of The Moroccan Administration, Yves Gaudemet

Revue Marocaine de Droit, d'Economie et de Gestion (Moroccan Journal of Law, Economics and Management)

This note presents Mr. Mohamed Ngassi Saqout's thesis on judicial review of the Moroccan administration. It outlines the subject, its legal importance, and its contribution to the study of administrative litigation and the control of public authority in Morocco. The note situates the thesis within debates on legality, administrative action, and the protection of rights.

Presentation Of Mr. Ali El Mhamdi's Thesis On Coordination In Moroccan Central Administration, Roland Drago

Revue Marocaine de Droit, d'Economie et de Gestion (Moroccan Journal of Law, Economics and Management)

This note presents Mr. Ali El Mhamdi's thesis on coordination in Moroccan central administration. It summarizes the subject of the thesis and highlights its relevance for understanding administrative organization, interdepartmental coordination, and the functioning of public institutions in Morocco. The note points to the importance of coordination for administrative efficiency and coherence.

The Evolution Of Public Expenditure In The Kingdom Of Saudi Arabia And Its Forecasts Up To 1406 Ah: An Analytical Economic Study, Abdelmoula Shribji

Revue Marocaine de Droit, d'Economie et de Gestion (Moroccan Journal of Law, Economics and Management)

This analytical economic study examines the evolution of public expenditure in the Kingdom of Saudi Arabia and provides forecasts up to 1406 AH. It analyzes the structure of state revenues and expenditure, with particular attention to the role of oil revenues, development plans, and public investment priorities. The study links fiscal policy to broader objectives of economic diversification, infrastructure development, and social welfare.

Public Finance In Morocco And Its Impact On Economic And Social Development, Mustapha El Khtiri, Hassan Sabbar

Revue Marocaine de Droit, d'Economie et de Gestion (Moroccan Journal of Law, Economics and Management)

This article examines the problem of public finance in Morocco in relation to economic and social development. It reviews the main historical stages that shaped the country's fiscal and budgetary structures and analyzes the role of financial policy in development choices. The study considers public revenue, taxation, public expenditure, and budgetary balances as instruments through which the state seeks to support growth, social transformation, and national development.

Mapping Out Halal Certification In Indonesia And Malaysia: Challenges, Opportunities, And Comparative Advantage, Achmad Tohe, Kholisin Kholisin, Moch Wahib Dariyadi, Noritah Omar

Nusantara Halal Journal

This study sought to map out the institutions and processes of halal certification in Indonesia and Malaysia by investigating the history, procedures, challenges, and opportunities. Data were gathered through interviews with those working in halal certification–related institutions, such as MUI and BPJPH in Indonesia, and JAKIM in Malaysia, in addition to several halal auditors from universities in both countries. A close reading of primary documents issued by halal certification institutions and secondary documents, academic articles, and online resources was conducted to better understand the issues at hand. The results suggest that while historically halal certification in Indonesia and Malaysia came …

Sharia Compliance As The Potential Factor For Halal Tourism Destination Development, Shofiyun Nahidloh, Lailatul Qadariyah

Nusantara Halal Journal

The substantial potential of Indonesian halal tourism expansion has obtained society's immediate attention. It is reflected in Indonesian Muslim majority society's religious enthusiasm, potentially appealing halal tourism destination resources, and the economic potential to enhance social welfare. Recently, society has put tourism as one of their needs, not as their leisure activity. Many tourist destinations in Indonesia have been declared as halal tourism sites. However, many people perceive halal tourism as a mere trend and brand adopted due to the halal substantial elements, such as hotels and restaurants. Therefore, a sharia principle is critically required to be the fundamental guideline …

Exploring Factors Of Choosing Halal Cosmetics Among Cosmetics Entrepreneurs In Malaysia, Alina Shamsuddin, Farahwahida Mohd Yusof, Nur Syazwina Uzma Sulaiman

Nusantara Halal Journal

Halal cosmetics is expanding well in the manufacturing sector. It has gained the government’s attention to support its development. Generally, the halal industry has been divided into seven sectors, which are food services, consumer goods, financial, pharmaceutical, cosmetics, halal logistics, and tourism. This study attempts to address the influencing factors for choosing halal cosmetics among cosmetics entrepreneurs. The researcher adopts the quantitative method to gather data from the respondents. A random sampling technique was used. The findings indicate that the awareness among young halal cosmetics entrepreneurs is very high, and there are high consumptions of halal cosmetics among consumers that …

Halal Tourism: Between Economic Opportunities And Social Acceptance, Madziatul Churiyah, Heri Pratikto, Filianti Filianti, Muhammad Fikri Akbar

Nusantara Halal Journal

Halal Tourism trends encounter improvement due to the increasing number of Muslim tourists who travel to various countries and spend an exceptional amount of funds every year. Halal Tourism positively affects countries’ economic growth, including Indonesia. GMTI 2019 places Indonesia as the best Halal Tourism destination. Consequently, the Indonesia government is continuously working on this promising economic opportunity by developing Halal Tourism destinations in several areas. However, what has been projected by the Indonesia government to grab this global economic opportunity faces social rejections. This study aims to analyze the economic opportunity of the Halal Tourism trend and the acceptance …

The Relationship Of Halal Food And Ibadah Among Muslim Community In Malaysia, Mohd Al'ikhsan Ghazali, Khairul Zahreen Mohd Arof, Juhazren Juhaidi, Aminudin Hehsan, Muhammad Fathi Yusof, Nasikh Nasikh

Nusantara Halal Journal

Community has put the exclusive requirements for Halal food by planning the rules of manufacturing practice, in particular known as Islamic Manufacturing Practice (IMP). Many Islamic scholars mentioned the importance of Halal food to Muslim behavior, including in the practice of both Fardhu Ain and Fardu Kifayah Ibadah. This paper aims to identify the relationship of Halal food and Ibadah between the Muslim community in Malaysia. Through a questionnaire survey and systematic literature review, this study designed a set of a questionnaire survey that has passed a reliability test through a pilot study on 15 respondents with a Cronbach Alpha …

Holistic Practice Of Fiqh Al-Muamalat: Halal Accountability Of Islamic Microfinance Institutions, Helmi Muhammad

Nusantara Halal Journal

This study aims to discover the practice of fiqh al-muamalat (Islamic law of transaction following Islamic fiqh) as a sharia-compliant, primarily the halal accountability of Islamic microfinance institutions Baitul Maal wa Tamwil (BMT) UGT Sidogiri Indonesia. This research used a descriptive, explanatory design with a holistic single-case design focus and was conducted from 2019 to 2020. For the data collection process, in-depth interviews were conducted with the informants. The data were analyzed using an interactive model consisting of data reduction, data presentation, and conclusion drawing. The results exhibit that Islamic sharia, faith (iman), and good deeds (ihsan) act as the …

Anticipating Human Resource Development Challenges And Opportunities In ‘Halal Supply Chains’ And ‘Halal Logistics’ Within Asean, Adam Voak, Brian Fairman

Nusantara Halal Journal

The increasing global economic importance of the Association of South-East Asian Nations (ASEAN), is creating new cultural challenges for participating governments. These challenges are clearly impacting on Human Mobility and Human Capability Development within the trading bloc. Development challenges are particularly evident in supply chains, where new knowledge, skills, and attitudes are needed to ensure respect for Halal services and the provenance of Halal products as they are traded across the region. While reflecting on this issue, this paper looks closely at the implicit and explicit challenges and opportunities in building culturally relevant ASEAN ‘Human Capabilities’ along increasingly globalized supply …

Effect Of Strengthening By Steel Jacket On Self-Compacting Reinforced Concrete Slender Columns With Different Slenderness, Aseel S. Alobaidy, Bassman R. Muhammad

Engineering and Technology Journal

Many factors cause the reinforced concrete (RC) columns to deteriorate, so removing or replacing the damaged columns may be costly and impractical due to the compromised structural integrity. This issue is regarded as one of the significant challenges facing structural engineers. Structural strengthening and repair for damaged RC structures have been developed as part of strengthening techniques. The common method of strengthening RC columns involves a steel jacket constructed from four steel angles with battens. This study introduced an effortless and economical alternative strengthening technique. They are strengthened by longitudinal and transverse thin steel plate strips (0.5 mm thickness) set …

Applications Of Geosynthetics In Tunnels Construction: A Sustainable Approach To Carbon Footprint Reduction, Ibraheem Rais, Abdullah H. Alsabhan, Md. Rehan Sadique, Shamshad Alam

Journal of Sustainable Construction Materials and Technologies

The use of geosynthetics has transformed tunnelling practices by enhancing structural integrity, durability, and environmental sustainability. This review adopts a systematic literature review design, covering publications from 2000 to 2025 sourced from Scopus, Web of Science, ScienceDirect, and Google Scholar. The selected studies were screened based on relevance, quality, and focus on tunnelling applications, then thematically analyzed into four domains: geosynthetic types, applications, sustainability, and performance evaluation. This review focuses on the applications of various geosynthetics, including geotextiles, geogrids, geocomposites, geocells, and geomembranes, in tunnelling projects. These materials play crucial roles in reinforcing tunnel walls and slopes, improving load distribution, …

Evaluating Legal Frameworks For The Protection Of Consumers Of Digital Financial Services: Global Trends And Their Significance For Vietnam, Ha Son Nguyen, Lanh Dinh Cao, Nguyen Dinh Phan

International Journal on Consumer Law and Practice

The development of digital financial services (DFS) in the context of global digital transformation poses fundamental challenges for the legal framework for consumer protection, particularly in developing countries such as Vietnam. This article argues that the sectoral approach currently adopted in Vietnam, with rules dispersed across various specialized statutes, has created a structurally significant legal gap, a lack of consistency in protection standards, and limitations on effective coordination among regulatory authorities. It thereby undermines the law’s capacity to protect consumers in the highly cross-sectoral environment of digital finance.

Through an analytical and comparative approach that draws on the experiences of …

Data Science In The Utah Draft K-12 Standards Of Mathematics, Kate Webster Green

Theses and Dissertations

In today's data-driven world, the field of data science is becoming increasingly important. Research has shown that more job listings in Utah require applicants to have data science skills than ever before. Due to this growing demand, there is a push to begin data science instruction in grades K-12; however, what data science instruction is in grades K-12 is not yet clearly defined. Previous research has identified the skills and processes that make up data science in grades K-12, and several states and research groups have begun developing and implementing data science standards and learning progressions. This study analyzes the …

Design Of Precise Hinges For Optical Space Arrays, Jacob Sutton

Theses and Dissertations

Deployable origami-based arrays offer significant advantages for space optical systems due to their ability to stow compactly and deploy to a large surface area. However, achieving the panel alignment precision required for optical applications remains an open challenge, particularly for non-rigid-foldable patterns such as the flasher, where large relative motion during deployment and geometric constraints at panel interfaces limit the effectiveness of traditional hinge designs. This thesis addresses the precision alignment challenge through the design, prototyping, and experimental testing of novel passive precision hinges for rigid-panel origami-based deployable space arrays. A compact kinematic coupling hinge incorporating Lamina Emergent Torsional (LET) …

Holy Cross Magazine, Vol. 60 No. 2, Summer 2026, College Of The Holy Cross

Holy Cross Magazine

For a GoodTime, Call ...
How Holy Cross’ Goodtime Marching Band and Bettertime Pep Band deliver much more than music.
Story by Abby Riviello
Photography by Colin McAlister ’29

Read Like a Professor (on Summer Break)
Holy Cross faculty share the books they’re taking to the beach.
Story by Marybeth Reilly-McGreen ’89
Photography by Michael Ivins

Michelle Mondoux Paused at the Middle — And it Changed Everything
Stick with Associate Professor Michelle Mondoux and you’re going to learn a lot about biology in the classroom, and perhaps more about life beyond it.
Story by Abby Riviello
Photography by Michael Ivins …

Predicting Cybermindfulness With The Cyber-Health Belief Model, James Robinson, Yan Tian, Thomas Skill

Journal of Cybersecurity Education, Research and Practice

This study describes the development of a Cyber-Health Belief Model (CHBM). The health belief model (HBM) is a message strategy that is widely and successfully used in public health research [1] and has been extended into phish training. Most phish training programs assume  end users are victimized because they have insufficient information to defend themselves. While near-term training effectiveness has shown to be effective, evidence for sustained behavioral change is thin [4]-[7].  This problem indicates that the traditional approaches need to be reconsidered and that new models are needed.  Recent research suggests attentional deficits, cyber-fatigue and fatalism and a sense …

The Intersection Between Mindfulness And Cybersecurity: A Tool To Reduce Burnout And Improve Operational Effectiveness, Ivo Ricardo Dias Rosa

Journal of Cybersecurity Education, Research and Practice

Abstract: This paper offers a conceptual discussion of how mindfulness, understood as present moment awareness and deliberate attention regulation, can support cybersecurity professionals. Drawing on a narrative synthesis of workplace mindfulness, burnout, and high pressure decision making literature, we map plausible self regulation mechanisms to typical cyber defense tasks. Rather than presenting new empirical data, we develop an explanatory framework linking attention, reactivity, and recovery to decision quality, team communication, and adherence to incident playbooks. We focus on two connected outcomes: reducing burnout in roles with sustained cognitive and emotional demands, and improving operational effectiveness during critical situations such as …

Cyber-Ready Libraries, Building Digital Fortresses For Tomorrow, Adeyinka B. Tella, Oluchi Precious Ogbonna Dr, Adebola Aderemi Olatoye Mrs

Journal of Cybersecurity Education, Research and Practice

Background and Purpose: Libraries are evolving into highly networked information ecosystems in this age of fast digital transformation, which increases their susceptibility to cybersecurity risks. The study "Cyber-Ready Libraries: Building Digital Fortresses for Tomorrow" looks into how prepared libraries are to face cyber threats and considers methods for creating information systems that are safe, robust, and ready for the future. To safeguard digital assets and user data, the study aims to assess existing cybersecurity practices in library settings and offer a roadmap for combining technological, human, and governance solutions.

Design/Method: The existing literature, case studies, and policy frameworks pertaining …

Summer Institute: Reimagining Borders Through Sounds, Sights, And Sensations, Unm Main Campus

LAII Events

June 8, 9, & 10, 2026

In this 2026 Summer Institute, K-16th educators representing diverse contexts will use the power of storytelling to investigate borderlands. By interweaving multimodalities-visual, sound, and movement and by reading children’s literature deeply, participants will create complex narrative tapestries of experience and empathy on the borderlands that they will, in turn, use to support student conversations and conceptions.

This institute is open to all primary and secondary educators working in: Prek-16th grade school settings visual arts, theater, and music educators, museums, libraries, and community organizations.

NM K-12 teachers will receive a small stipend and materials. Registration …

Egypt Under Construction: Spectacle, Surprise, And The Politics Of Megaprojects, Grace E. Payne

Geography Undergraduate Senior Theses

No abstract provided.

Assessment Of The Readiness Of Architectural Design Companies To Adopt Eco-Friendly Nanotechnologies In Sustainable Building Design, Ashwaq Essa Al Khalil

Dissertations and Theses

Nanotechnology is emerging as a promising innovation in sustainable architectural design, although its adoption remains slow. Research highlights the advantages of incorporating nanotechnologies in architecture, including improved material performance, enhanced thermal efficiency, reduced energy consumption, improved durability, and progress toward the Sustainable Development Goals (SDGs). These advantages make nanomaterials a promising solution for sustainable building design, particularly in hot-climate regions where energy consumption and carbon emissions associated with conventional building design practices remain major concerns.

Despite this potential, nanotechnology adoption in architecture faces several challenges, including limited real-world applications, slow diffusion in practice, and persistent organizational, economic, and regulatory barriers. …

Digital (In)Justice? Evaluating Procedural Justice In Online Crime Reporting, Nazmy Natia

Dissertations and Theses

Online Crime Reporting portals (OCR) have become a routine entry point for non-emergency police services, fundamentally redefining how the public initiates contact with law enforcement. Although these portals are presented as efficient and accessible, little attention has been paid to whether their design and communication serve the people who use them. Prior research on procedural justice (PJ) has largely examined face-to-face police encounters, while latest studies of OCR systems emphasize victim experience and usability. However, the existing literature offers limited guidance on how PJ principles translate from in-person encounters to digital reporting platforms. This prompted the current study, drawing on …

First-Gen Student, Cancer Survivor Earns National Research Fellowship, Clara Turnage

University of Mississippi News

OXFORD, Miss. – Six years after joining the University of Mississippi as the first in her family to attend college, Victoria Amari has earned one of the nation's most competitive graduate research awards.

Proof-Of-Concept Study For The Detection Of Somatic Structural Variant Driver Alterations Using Hifi Long-Read Sequencing In A Pediatric Leukemia Cohort., Lisa A. Lansdon, Byunggil Yoo, Ayse Keskus, Irina Pushel, Chengpeng Bi, Tanveer Ahmad, Asher Bryant, Adam Walter, Margaret Gibson, Mary Rindler, Weijie Li, Sahibu Sultan M Habeebu, Linda D. Cooley, John Herriges, Elena Repnikova, Lei Zhang, Keith August, Terrie Flatt, Alan S. Gamis, Erin M. Guest, J Allyson Hays, Maxine Hetherington, Karen Lewing, Tomi Pastinen, Mikhail Kolmogorov, Midhat S. Farooqi

Manuscripts, Articles, Book Chapters and Other Papers

Gene fusions are common primary drivers of pediatric leukemias and are the result of underlying structural variants (SVs). Current clinical workflows to detect such alterations rely on a multimodal approach, which often increases analysis time and overall cost of testing. In this study, we used long-read sequencing (lrSeq) as a proof-of-concept to determine whether clinically relevant (cr) SVs could be detected within a small (n = 17) pediatric leukemia cohort. We show that this methodology successfully determined all known crSVs (n = 5/5) detected through routine clinical testing. This approach also identified crSVs that resulted in the classification of a …

Assessing Indoor Heat Vulnerability And Cooling Strategies In Three Mobile Home Communities In Boulder, Colorado, Usa, Mehdi P. Heris, Skye Niles, Alana Wilson, Megan Mccurdy, Amy Lacourse, Nick Lankau

Biology, Chemistry, and Environmental Sciences Faculty Articles and Research

Extreme heat is an increasing public health and environmental threat shaped by both physical and social factors. This study assesses the vulnerability of mobile homes and their residents at three mobile home parks in Boulder, Colorado. We examined indoor temperature, housing conditions, and social and personal risk factors of the households. We monitored indoor and outdoor temperatures using 27 indoor and 5 outdoor temperature data loggers, comparing mobile homes with air conditioning, swamp coolers, and passive cooling designs. This work provides a detailed analysis of indoor temperature patterns and demonstrates how evaluating trends yields insights into the performance and effectiveness …