Our performance measures include Tobin's q ratio and market‐value inefficiency, which is a stochastic frontier measure of banks' potential market value and their systematic failure to achieve it.Keywords: community banking, scale, financial performance, small business lendingJEL Codes: G21, L25‐‐...
Experience is overrated. Diving ability matters!Diving experience isn't the path to mastery. Read this to learn what is really necessary to develop expertise as a scuba diver! Scuba Diving and Self-Discipline FailuresUncover the psychology behind how failures in self-discipline occur when scuba div...
Once introduced into the silo, the diversity of the microbiome decreases as obligate aerobes and acid-sensitive microbes are killed or fail to grow as oxygen is excluded and acid production reduces pH. Under these conditions, epiphytic lactic acid–producing bacteria (LAB), enterobacteria, yeasts,...
Male reproductive system ageing is closely associated with deficiency in testosterone production due to loss of functional Leydig cells, which are differentiated from stem Leydig cells (SLCs). However, the relationship between SLC differentiation and age
To determine whether gold particles were found in proximitiy to budding profiles, we used a custom-made ImageJ macro to draw a circle with a defined pixel diameter corresponding to 40 nm around each gold particle. When the circle touches the limiting membrane of a budding profile, it was ...
(model weight ≥ 80%; Burnham and Anderson2004). Then we draw inference about species’ pattern for detection (δ) and occupancy (ψ) according to the species interaction factor (SIF), which was estimated from model-average parameters (Richmond et al.2010). Values ofδ < 1, ...
Nevertheless, the sLSM observations here analysed are in agreement with its implicit notions where the 7 × 7 kernel intended to ensure that the inflexion shoreline was captured around the initial pixel-level solution, and the fifth polynomial degree had enough curvatures to draw the reality of ...
t.) To draw over; to cover. Obduction (n.) The act of drawing or laying over, as a covering. Obduracy (n.) The duality or state of being obdurate; invincible hardness of heart; obstinacy. Obdurate (a.) Hardened in feelings, esp. against moral or mollifying influences; unyielding; ...
Geomor- phology 138: 74-88.Vigiak O, Borselli L, Newham L T H, Mcinnes J, Roberts A M. Comparison of conceptual landscape metrics to define hillslope⁃scale sediment delivery ratio. Geomorphology, 2012, 138(1) : 74⁃ 88.Vigiak, O., Borselli, L., Newham, L.T.H., Mcinnes, J...