Digital Commons Network^™

The Discouraged Borrower: How Stereotype Threat Blocks Capital Access For Urm Entrepreneurs, Mauricio Mercado

The Lender Center for Social Justice

Entrepreneurship thrives on access to capital, yet many underrepresented racial minority (URM) founders find themselves discouraged from even applying for loans. This is not simply due to past denials or lack of financial literacy, it is a response to the psychological burden of stereotype threat. Our research shows that the fear of confirming negative stereotypes shifts entrepreneurs into a prevention mindset, leading them to avoid opportunities for growth in order to minimize the risk of rejection. This dynamic makes Black entrepreneurs nearly three times more likely, and Latino entrepreneurs five times more likely, to self-select out of the loan application …

Is Military Service A Social Mobility Mechanism? Military Participation And Socioeconomic Benefits—Recommended Research And Data Resources, Corri Zoli, Linda Euto, Rosalinda Maury

The Lender Center for Social Justice

This research brief shares research and data resources that examine how military participation, particularly professional training and education, function as mechanisms for social mobility, leading to higher socioeconomic advantages among U.S. military members and veterans, including minorities.

Addressing The Wealth Gap: Supporting Urm Veteran Entrepreneurs Through Evidence-Based Policy, Arielle Badger Newman, Mauricio Mercado, Ashley Gomez, Rosalinda Maury

The Lender Center for Social Justice

Despite military service providing valuable leadership skills and discipline, underrepresented racial minority (URM) veteran entrepreneurs face significant barriers to financial sustainability and business growth. Our analysis of 1,859 veteran entrepreneurs reveals that Black veterans experience lower financial sustainability compared to White veterans, while women URM veterans are more likely to be denied credit. These disparities persist even after accounting for military service and rank, highlighting the need for targeted policy interventions. This brief recommends three evidence-based strategies: reforming credit assessment practices, establishing dedicated funding programs for URM veteran entrepreneurs, and creating mentorship networks that address intersectional challenges. Implementing these policies …

No Exceptions: The New Movement To Abolish Slavery And Involuntary Servitude, Adam A. Davidson

University of Chicago Law Review

In the twenty-first century, slavery is still alive in the United States, but thankfully, it is increasingly unwell. States across the country, in places both expected and unexpected, have begun to pass amendments to their state constitutions that seek to finish the job started over 150 years ago by the Thirteenth Amendment. Whereas that amendment included an exception, providing for slavery and involuntary servitude as punishment for a crime, these new state amendments contain total prohibitions. But these prohibitions have thus far proven unable to end the blight of prison slavery merely through their text. This Article asks why and …

Defending Home: Toward A Theory Of Community Equity, Deborah N. Archer, Joseph R. Schottenfeld

University of Chicago Law Review

Predominantly Black communities have long been systematically segregated and sequestered, then intentionally sacrificed, to feed the United States’ growth and expansion. The burdens of development—including roads and highways, sewage, communications, and power infrastructure—and efforts to respond to the challenges of climate change, all fall disproportionately on Black communities that rarely receive the benefits of these investments. For neighbors who have built a sense of community, often across generations and in defiance of racist oppression, sacrificing their homes, and the sense of safety and belonging they offer, is a bitter pill.

A central contention of this Essay is that, across a …

Real Laws From Imagined Facts: The Formative Role Of Assumption In Prison Litigation Reform Act Exhaustion Doctrine, Katrina T. Goto

University of Chicago Law Review

In Woodford v. Ngo, the Supreme Court made explicit the judicial assumption that most prisons have effective internal grievance procedures, firmly cementing that assumption within Prison Litigation Reform Act (PLRA) exhaustion doctrine. Reliance on this assumption has contributed to doctrinal rules that map poorly onto the factual realities of prisons and require constant clarification by the Supreme Court. Indeed, the Supreme Court has been called upon twice in the past decade to sort out the mess of doctrinal rules governing PLRA exhaustion, first in Ross v. Blake and again this year in Perttu v. Richards. Examining the Court’s path to …

Improving The Effectiveness Of The Teacher Professional Learning Communities In Secondary Education, Oscar A. Urieta

Education Theses and Dissertations

This Improvement Science Dissertation in Practice investigated how to enhance the relevance, effectiveness, and teacher ownership of grade-level Professional Learning Communities (PLCs) at a university-affiliated charter school in East Texas. Despite the district’s strong STEM and Project-Based Learning (PBL) emphasis, 60% of high school teachers reported that PLCs felt irrelevant, administratively driven, or misaligned with their daily instructional needs. Using Improvement Science methodologies, including Plan-Do-Study-Act (PDSA) cycles, root-cause analysis, a driver diagram, and embedded collaborative structures, this study implemented targeted interventions aimed at shifting teacher perceptions and strengthening PLC practices. Interventions centered on aligning PLC agendas with PBL, implementing structured …

Contents, North Carolina Law Review

North Carolina Law Review

No abstract provided.

The Past And Future Of Taxing "Incomes", Clint Wallace, Bret Wells

North Carolina Law Review

No abstract provided.

The Law Of Energy Abundance, Alexandra B. Klass, Matthew Appel

North Carolina Law Review

No abstract provided.

The Legal Invincibility Of Exclusionary Zoning And The Inevitability Of A Housing Shortage In The Old North State, Joel E. Gillison

North Carolina Law Review

No abstract provided.

How Not To Design Expert Bureaucracy: Lessons From Administrative Law, Wendy E. Wagner

North Carolina Law Review

No abstract provided.

Memory Delayed Is Justice Denied: Why North Carolina Should Amend Its Statute Of Limitations For Child Sexual Abuse Cases, L. Casey Buttke

North Carolina Law Review

No abstract provided.

A Shield For Schools, But No Relief For Students: The Problem With Statutory Immunity In Dieckhaus V. Board Of Governors Of University Of North Carolina, Rachel Elizabeth Stuart

North Carolina Law Review

No abstract provided.

December 2025 Bulldog Alumni & Friends News, Kari Jones, Garrett King

Bulldog Alumni & Friends News

• December 2 Emeriti Honors and Reception

• December 12 Fall Commencement

• January 22 SWOSU Near You: Tulsa

December 2025, Swosu Rural Health Center

RURAL ROCKS

• FDA MedWatch - 20 mEq Potassium Chloride Injection by Otsuka ICU Medical
• Plan to expand Medicare Coverage of GLP-1s
• Pharmacist Interventions in The US Oncology Network Cut Cancer Care Costs by Nearly $9 Million

Probabilistic Single-Valued Neutrosophic Set For A Multidimensional Evaluation Of College Students’ Mental Health And Academic Success, Xue Wang, Lu Yang

Neutrosophic Sets and Systems

No abstract provided.

Neutrosophic Optimal Transport Of Rural Cultural Development Quality Under Rural Revolutionary Topological Constraints: A Strategic Evaluation Model, Yongjun Zhang

Neutrosophic Sets and Systems

No abstract provided.

Intercultural Competence Among Emerging South Asian Leaders: Preliminary Results Of The 2025 Ysali Cohort Study, Elizabeth J. Sandell, Malaika Azam

Elementary and Literacy Education Department Publications

In today's connected world, young leaders need more than just technical skills—they must be able to work effectively with people from different cultural backgrounds. This study examines intercultural competence (the ability to interact respectfully and effectively across cultures) among participants in the first Young South Asian Leadership Initiative (YSALI) program. Using the Intercultural Development Inventory and follow-up interviews, investigators considered how well these emerging leaders from seven South Asian countries were prepared to lead in multicultural environments. This article presents a preliminary report, based on early survey returns from 15 of 82 participants. This research will provide important insights into …

Perceptions Of Leader Emotional Intelligence During Change: A Qualitative Study Of Middle Managers In Higher Education, Kirk Bennett

Doctor of Business Administration (DBA)

In a world where change is constant, organizations often struggle to adapt. Whether implementing change proactively or responding to external realities, organizational change leaders must navigate the landscape of change with awareness of the potential for follower resistance to derail their efforts. Change and emotion are not easily separated, and change leaders who ignore the emotional realities of change do so at the risk of failure. Leaders who demonstrate emotional intelligence are better equipped to understand and manage the emotions of change in themselves and others. How followers perceive the emotional intelligence of their leaders is crucial to their own …

Epanorama December 2025, Southern Adventist University

Panorama Parent Newsletter

This digital issue of Panorama includes an article about the new Fit for Eternity sculpture, FASFA, International Food Festival, and the weekly prayer call.

Cover And Front Matter, Volume 51, Issue 1 (Fall 2025), University Of Dayton. School Of Law

University of Dayton Law Review

Cover, table of contents, masthead

Finally Paying The Players: An Analysis And Recommendation For Ohio’S New Nil Legislation, Michael Berner

University of Dayton Law Review

No abstract provided.

Table Of Contents - Vol. 50, Fall 2025

Southern Illinois University Law Journal

No abstract provided.

Ending The Cycle: A New Approach To Decriminalize Mental Illness, Paige E. Kohn

Southern Illinois University Law Journal

Today, America faces a health paradox: the nation’s largest jails are the nation’s largest psychiatric institutions. In a criminal justice system designed for punishment, solutions like mental health units or mental health courts try to address this contradiction. Yet, if mental illness is a health issue, and not a criminal issue, then increased investments in the criminal justice system seem misplaced. Instead, a more promising approach is to stop the mentally ill from entering the criminal justice system at all.

This article presents just that: a new approach to decriminalize mental illness. Viewed under an overarching “health justice” lens, the …

Reframing Fitness And Nutrition For Women: Understanding Hormonal And Metabolic Differences, Brooke J. Luecke

Accounting Undergraduate Honors Theses

This thesis explores how women can consider approaching fitness, nutrition, and recovery based on the physiological differences between men and women. While much of the existing fitness and nutrition research has been based on male participants generalized to women, this paper aims to woman-centric, tailored recommendations. By focusing on hormonal cycles, metabolism, and muscle physiology, my paper will suggest a need for women to adjust their exercise and dietary practices for optimal health outcomes, including fat loss and raised energy levels. My suggestions in this paper are supported by the latest research, including Dr. Stacy Sims' insights on female health, …

Impact Of Equipment Type On Measured Particle Size Of Civil Engineering Materials, Tanner Turben, Tasnimul R. Ferdous, Andrew Braham, Wen Zhang

Civil Engineering Faculty Publications and Presentations

Particle size analysis (PSA) captures the size distribution of finely graded materials with particles generally smaller than 1000 microns. Many civil engineering materials do not leverage PSA for material specifications or acceptance despite the insight into material performance and quality gained through understanding the particle size. The objectives of this study are to compare PSA measurement principles by testing 13 civil engineering materials by laser diffraction, Coulter counter, and microscopy. Asphalt emulsions, cementitious materials, sands, clays, and biological samples were selected to represent a wide set of interests and shapes. It was found that between laser diffraction and Coulter counter …

Phenology And Seed Treatment Impacts Surface Defenses And Fall Armyworm (Spodoptera Frugiperda) Growth In Rice (Oryza Sativa), Devi Balakrishnan, Jessica Ayala, Alejandro Vasquez, Nick Bateman, Rupesh Kariyat

Entomology and Plant Pathology Faculty Publications and Presentations

Rice (Oryza sativa L.) is considered as the most important staple food crop in the world, feeding half of the global population. One of the emerging concerns in rice is the fall armyworm (Spodoptera frugiperda, FAW), a highly polyphagous insect herbivore. Although FAW has been well studied across many host systems, rice-FAW interactions-including the effects of phenology and seed treatment-are less understood. In this study, we examined the response of FAW to rice under a thiamethoxam seed treatment across three different phenological stages (V5: tillering; V11: maximum tillering; R3: panicle exsertion). We used four commonly grown cultivars in USA, exposed …

Joint 7th Amended Plan

Catholic Dioceses in Bankruptcy

No abstract provided.

Chapter 5: The Chemical Calculator, Garon C. Smith

G. Wiz’s Book of Spells

The Chemical Calculator combines invisible ink with a sophisticated math trick. The audience is poled for digits to use in either a 2-digit or 3-digit set of calculations. Once the digits have been obtained, a difference is calculated between the original set of digits and the same digits in reverse order. That answer is added to a reversed version of itself. The chemical calculator is a solution in a spray bottle. When the spray bottle has had a chance to examine the problem, it contents are sprayed at the bottom of the sheet. The correct answer appears. A bit of …