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Risk-Based Deposit Insurance, Deposit Rates And Bank Failures: Evidence From Russia, Lucy Chernykh, Vladimir Kotomin

Faculty Publications – Finance, Insurance, and Law

Using the Russian banking system as a laboratory, we study the effect of a switch from fixed-rate deposit insurance to a risk-based system with premia tied to insured deposit rates offered by a bank. After the switch, increases in bank risk lead to reduced reliance on insured deposits, private banks without excessive capital stop raising insured deposit rates to fund loan growth, and the cost of insured deposits becomes a predictor of bank failures (beyond the CAMEL variables). Offering insured deposit rates notably above the market becomes a last resort to banks. The results suggest that risk-based deposit insurance schemes …

Being Persuaded To Sleep With Someone In Order To Have A Place To Sleep: The Eleventh Circuit’S Analysis Of Sexual Harassment Claims Under The Fair Housing Act, Stella Preston

Mercer Law Review

One of the fundamental ideals the United States was built upon is that its citizens must have their rights and freedoms protected. Historically, however, there have been numerous groups of individuals who have had their civil rights infringed upon, and what is worse, not protected by the legal and political institutions of the country. What the United States is experiencing now is an increase in the widespread fight for those who have historically been discriminated against in one way or another. Citizens these days seem less apt to sit back and silently let injustices go on without any repercussions. In …

Masthead

Mercer Law Review

No abstract provided.

Admiralty, John P. Kavanagh Jr.

Mercer Law Review

The cases discussed herein represent decisions from the United States Court of Appeals for the Eleventh Circuit, as well as district courts within the Circuit, issued in 2021. While not an all-inclusive list of maritime decisions during that timeframe, the Author identifies and provides summaries of key rulings of interest to the maritime practitioner.

Table Of Cases

Mercer Law Review

No abstract provided.

Masthead

Mercer Law Review

No abstract provided.

No More “Heads Defendants Win, Tails Plaintiffs Lose”: How The Georgia Supreme Court’S Relation Back Decision In Cannon Rebalances Pleading Power, Jordan Lipp

Mercer Law Review

Imagine your daughter dying in a high-speed police chase—when she was not even the driver that evaded police or caused the crash. You want to hold someone accountable, but you do not know who the right person is if you sue: the deputy, the sheriff in his personal capacity, the sheriff in his official capacity, the county, the sheriff’s office, the county commissioners, the insurer of the police car? You sue the wrong one, and it is too late. Now what?

Thankfully for you, Georgia has forgiving pleading standards. Relation back is a legal fiction that assumes a claim was …

Recent Developments: Nationstar Mortg. Llc V. Kemp, Fateh Tarar

University of Baltimore Law Forum

No abstract provided.

Recent Developments: Town Of Riverdale Park V. Ashkar, Leah Rowell

University of Baltimore Law Forum

No abstract provided.

Recent Developments: Velicky V. Copycat Bldg. Llc, Jacob Linn

University of Baltimore Law Forum

No abstract provided.

Tracing Property Interests: How Mandatory Covid-19 Contact Tracing Conflicts With The Maryland Constitution And Trade Secret Law, Marianne Gluckert Smith

University of Baltimore Law Forum

No abstract provided.

Regulating Medical Debt Collection: How Maryland Should Improve Protections For Those Who Cannot Afford Care, Lauren Stone

University of Baltimore Law Forum

No abstract provided.

A Special Focus Group, Dean Norman

Erma Bombeck Writers' Workshop Blog

Do you want to be part of a special focus group? No? Me, neither.

Countering Master Narratives With Narratives Of : A Liberation Perspective In Career Counseling, Hande Sensoy-Briddick, William C. Briddick

Counseling and Human Development Faculty Publications

As of 2019, the global youth population between the ages of 15 and 24 was 1.2 billion and growing (UNDESA, 2019). A sizable number of youth face discrimination and marginalization daily, often based on their social identities and related interlocking systems of power and oppression (Brewster & Molina, 2021). Minoritized youth, particularly, find themselves trapped in culturally manufactured master narratives that serve to reproduce the very systems of privilege that exist in their country (Liu, 2017). Considering these master narratives can be a significant step in our work with marginalized youth. Building on the contributions of leading scholars in career …

Human Behavior Modeling In Long Videos: Drowsiness Detection And Action Segmentation, Reza Ghoddoosian

Computer Science and Engineering Dissertations - Archive

"In this thesis we focus on two instances of human behavior modeling in long untrimmed videos: drowsiness detection, and action segmentation. In the first section, we focus on drowsiness detection. Specifically, we introduce a large and public real-life dataset and a baseline temporal model to classify drowsiness into three stages of alert, low vigilant, or drowsy. In the second section, we study action segmentation in instructional videos under weak supervision. In order to save time and cost, weakly supervised methods are trained based on only video-level action sequences as opposed to a fully supervised method which is trained using frame-level …

Verification And Validation Of Power Converters For Use In Future Power System Architectures, Alexander Johnston

Electrical Engineering Dissertations - Archive

Electronics are more widely penetrating almost every area of society and as they do, the demand to supply them with regulated power increases considerably. The scale of the electronic power distribution systems needed ranges from those in very small handheld consumer electronic devices all the way up to those needed in large buildings, ships, and cities. The energy supplied within these power distribution systems can come from many different generation sources that operate either individually or simultaneously. When power electronics are controlled properly, simultaneous generation sources can be employed in a way that optimizes them according to the user’s desired …

Learning Topology Preserving Embeddings For Speeding Up Nearest Neighbor Retrieval, Mason Lary

Computer Science and Engineering Theses - Archive

Given a database of objects and a query object, it’s possible to gather a number of the closest neighbors to the query object. This operation is important to a number of diverse fields such as computer vision, content- based information retrieval, and chemistry. However, distance measures used to determine neighbors can cause queries to be computationally expensive, either because the distance measure is complex or because it is nonmetric and prevents efficient indexing methods. This work presents novel methods of triplet mining that enable neural networks using triplet loss to learn the manifold that data resides in. These neural networks …

Distraction Detection And Intention Recognition For Gesture-Controlled Unmanned Aerial Vehicle Operation, Debayan Datta

Computer Science and Engineering Theses - Archive

Gesture Control as a way to replace more conventional remote-control operations has been pursued for a significant period of time with different levels of success. The use of gestures to control different types of human interfaces is today predominantly seen in the multimedia sector. People perform easy and intuitive gestures to control their televisions, to interact with multimedia, and to play games. Also, much research has been carried out to experiment with human interfaces to numerous augmented and virtual reality devices and tasks. The results of these experiments were so exciting that researchers started to expand the use of gestures …

Detection And Classification Of Object Presence And Characteristics In A Water Container Using High Frequency Ultrasound, Mehul Vishal Sadh

Computer Science and Engineering Theses - Archive

Detection and characterization of soluble, diffuse, and solid objects and their characteristics in water has important implications in various applications, including water quality assessment and incontinence monitoring for health applications. In particular in the latter task, it is essential to be able to non-intrusively detect the appearance, presence, and consistency of materials in the water without the need for special purpose instruments or a special purpose setting. Rather, it would be important that sensing could be performed int he context of existing toilet systems. To achieve this, this work investigates the potential use of high frequency sonar sensors retrofitted to …

A Combinatorial Approach To Fairness Testing Of Machine Learning Models, Ankita Ramjibhai Patel

Computer Science and Engineering Theses - Archive

Machine Learning (ML) models could exhibit biased behavior, or algorithmic discrimination, resulting in unfair or discriminatory outcomes. The bias in the ML model could emanate from various factors such as the training dataset, the choice of the ML algorithm, or the hyperparameters used to train the ML model. In addition to evaluating the model’s correctness, it is essential to test ML models for fair and unbiased behavior. In this thesis, we present a combinatorial testing-based approach to perform fairness testing of ML models. Our approach is model agnostic and evaluates fairness violations of a pre-trained ML model in a two-step …

“Strict Moderation?” The Impact Of Increased Moderation On Parler Content And User Behavior, Nihal Kumarswamy

Computer Science and Engineering Theses - Archive

Social media platforms have brought people from different backgrounds, ethnicity, race, gender, etc together to form a platform to share ideas and opinions and discuss news events among other social events. Unfortunately, these platforms have also been a safe haven for abusive users who harass, bully other users or spread misinformation and disinformation. Social media platforms have a huge incentive to police these abusive users and keep them in check to allow other genuine users to use their platform. Social media platforms employ several different content moderation techniques to perform this task. These techniques vary across platforms, for example, Parler …

A Non-Contact Based System To Measure Spo2 And Systolic/Diastolic Blood Pressure Using Rgb-Nir Camera, Divya Saxena

Computer Science and Engineering Theses - Archive

In recent times, people have increasingly self-assessed their health using different devices on their bodies that monitor physiological attributes such as their oxygen level and blood pressure (BP) to monitor their health. One of the most popular health concerns that became prominent during the COVID-19 pandemic was the blood oxygen saturation (SPO2) level. It became increasingly important to monitor SPO2 in patients, time and again to determine whether the right amount of oxygen is in the blood. Low oxygen levels usually indicate there may be an issue with oxygen circulation or supply and thus informs diagnostic and treatment decisions such …

The Development And Characterization Of Piezoelectric- Magnetostrictive Smart Self-Sensing Composites, George Relebohile Qhonosheane

Mechanical and Aerospace Engineering Dissertations - Archive

The composites industry is expanding due to the growing global demand for high-performance materials. How do you ensure the production of composites is as smooth and effective as possible while maintaining the high quality of the material? The key issues in composites include crack occurrence, sticking to molds in the production process, and durability differences during their operation. However, monitoring such cases can be challenging. The industry is in need of a smart solution to be able to obtain accurate data from the raw material. This work focuses on the development of smart composite materials. The word composite comes from …

Assessment Of Contaminant Flowpaths In Airside Economization And Analysis Of Thermal Performance At Tank And Server Level For Single-Phase Immersion Cooled Data Centers, Satyam Saini

Mechanical and Aerospace Engineering Dissertations - Archive

The last two decades of 2000 have seen an explosion of utilization and reliance on digital technologies and platforms. During this time, electronic devices have undergone intense miniaturization and a corresponding rise in power densities. In parallel to these developments, data center proliferation has been driven by the increasing utility of revolutionary technologies such as Machine Learning, Artificial Intelligence, e-commerce and, the Internet of Things. Data centers, thus, have become the core of the modern digital age. The primary bottleneck, however, due to extensive device miniaturization and data center proliferation has always been thermal management. Many of the aforementioned technologies …

Development Of An Electro-Pneumatic Servo Clutch And Industry-Level Controller, Timothy Stevens

Mechanical and Aerospace Engineering Theses - Archive

This thesis covers the simulation and development of an electro-pneumatic servo clutch used on an FSAE racecar. This project utilizes a sophisticated simulation and various techniques to increase performance such as utilizing pulse-width and pulse-frequency modulation and the use of a 36V supply with constant current limiting to drive the solenoids. The clutch is actuated using a pneumatic cylinder with the internal pressure modulated using commercially available CNG fuel injectors. This thesis also describes the development of the electronic controller designed using analog circuits, as well as the integration of digital circuits to control operations such as launch control and …

Computational Reliability Analysis Of Blind Micro-Via With 3d And Axisymmetric Multi-Layer Pcb, Jayendra Bazaru

Mechanical and Aerospace Engineering Theses - Archive

Micro-via are components that are used to form connections from one layer to another in most Multilayered Printed Circuit Boards (PCBs). The failure of Micro-via has always been a concern of the electronic industry. The failures are exaggerated during the reflow process due to the high thermal loading. Electronic components have become ubiquitous in our society. It is important to take some measures to reduce (or) eliminate the failures at interconnects in the Printed Circuit Board to obtain highly reliable Input/Output (I/O). This work is based on a hypothetical belief that the possible cause of failure is an insufficient or …

Developing A Semester-Long Project In A Biomechanical Engineering Course To Instill The Entrepreneurial Mindset In The Next-Generation Biomedical Engineering Students, Loren Hedgecock

Biomedical Engineering Undergraduate Honors Theses

Entrepreneurial-Minded Learning (EML) is an emerging pedagogy progressively gaining popularity in the engineering education community. Coincided with project-based learning (PBL), EML illustrates an essential dimension to the instruction of next-generation engineers, equipping them with various perspectives and approaches to relate societal challenges with technical concepts. Nationwide initiatives, such as the Kern Entrepreneurial Engineering Network (KEEN), have developed a learning framework specifically designed to create engineers such as these. The implementation of EML aims to stimulate connections, create value, and ignite curiosity. This study introduced a semester-long project based on these EML skillsets in a sophomore-level biomechanical engineering course. To evaluate …

The Interaction Of Angiotensin I And Ii On Calcified Aortic Valve Cells, Fah Sysavanh

Biomedical Engineering Undergraduate Honors Theses

Cardiovascular diseases affect the older population with limited treatments available. Aortic valve stenosis is a cardiovascular disease in which the aortic valve narrows, causing blood flow constriction and calcification.¹ The only treatment is to replace the valve, which can be costly and lead to other health complications.

The renin-angiotensin system (RAS) is a pathway that helps with maintaining cardiovascular homeostasis. Angiotensin I (ANGI) and II (ANGII) are hormones in the RAS that cause an increase in inflammation, stress, and blood pressure by binding to the Angiotensin Type 1 Receptor (AT1R).¹ Gelatin-based valve thin film (vTF) platforms were fabricated to investigate …

Alternative Fixation Of Venous Valves For Bioprosthetic Applications, Makenzie Kapales

Biomedical Engineering Undergraduate Honors Theses

Venous valve failure allows for the retrograde, or backward, flow of blood into the lower extremities, which leads to Chronic Venous Insufficiency (CVI). CVI infringes upon quality of life through ulceration and can result in death due to Deep Vein Thrombosis (DVT), or blood clots, causing pulmonary embolism. A successful treatment of CVI restores valve function and prevents retrograde blood flow; however, current bioprosthetic venous valves exhibit low patency and high calcification. To improve upon bioprosthetic venous valves and CVI treatment, the University of Arkansas’s Cardiovascular Biomechanics Lab conducts studies with the purpose of comparing the properties and performance of …

Virtual Reality As An Education Tool In Biomedical Engineering, Megan Wilkerson

Biomedical Engineering Undergraduate Honors Theses

Virtual Reality (VR) has become more accessible in recent years, both to experience and to create. Various studies have shown that incorporating VR in an educational setting can yield positive results. Virtual reality videos created using course-specific content could prove to be a beneficial educational tool. VR videos were implemented in a remote biomolecular engineering laboratory course. 180° VR videos of lab procedures were recorded and viewed by students using a Google Cardboard headset and their smartphones. After viewing all the VR lab videos, students were given a survey to report their experiences. The survey contained questions used to measure …