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Measuring the Financial Health of U.S. Bankruptcy Filers: An Application of Financial Epidemiology
Donald D Hackney,Peter Cashel Cordo,Dan Friesner,Matthew Q McPherson People&Global Business Association 2013 Global Business and Finance Review Vol.18 No.1
The recent economic recession has impacted the finances of many U.S. households. A portion of these households eventually become insolvent and are forced to file for bankruptcy protection. Given the potentially large re-distribution of wealth that occurs in the bankruptcy process, it is important to understand the factors that lead to bankruptcy in order to mitigate unintended consequences. To do so, one must first identify a simple but comprehensive measure of a household's financial distress, or put differently, its "financial health". This paper postulates that a household's financial health can be measured using the concept of a casemix index; a metric currently used to assess the "sickness" (or the average severity of illnesses) of patient loads treated by hospitals. As an empirical illustration, we apply this casemix to a random sample of bankruptcy filers in Eastern Washington in 2007 and 2009 and assess whether specific types of bankruptcy filers have lower or higher levels of financial health. We find that financial health varies systematically by the county of residence. However, there are no significance differences in financial health based on the chapter of the U.S. Bankruptcy code under which the bankruptcy is filed.
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國語用言活用에 있어서 揷入되는 「것」과 「겨」에 對해서 : 特히 慶尙道方言을 中心해서
崔鶴根 서울대학교 1964 서울대학교 論文集 Vol.10 No.-
현대 언어에는 「것」(사물)을 이용하는 화법이 대단히 많다. 물론 이와 같은 언어관습은 현대국어에서 비롯한 것이 아니고 중기국어 전반기부터 서기록에 나타나고 있으며, 또한 중기국어 이전 고대국어에서도 그러한 언어관습이 있었으리라고 믿어진다.
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저농도의 Ethanol 이 Vibrio parahaemolyticus 의 증식과 생존에 미치는 영향
박찬성,카메론해커니 한국조리과학회 1995 한국식품조리과학회지 Vol.11 No.2
액체배지에 첨가한 저농도의 ethanol(3∼7%, v/v)이 Vibrio parahaemolyticus의 증식과 생존에 미치는 항균 작용 효과를 -20, 5, 35, 45, 50℃에서 조사하였다. 35℃ 에서의 V, parahaemolyticus 의 증식은 ethanol농도의 증가와 더불어 저해되었으며, 5% ethanol의 존재하에서는 긴 유도기를 거친 후에 증식이 시작되었으나 ethanol 7%에서는 생균수는 계속 감소하여 사멸하였다. 3∼7%의 ethanol을 함유한 액체배지에 10^6∼10^7 cells/㎖의 V. parahaemolyticus를 접종하여 저온(5℃∼-20℃)과 고온(45℃, 50℃)에 저장하였을 때 고온에 저장한 V. parahaemolyticus의 생균수는 급격히 감소하였으며 ethanol농도가 증가할수록 세균의 사멸율은 증가하였다. The effect of low concentrations of ethanol(3∼7%, v/v) in culture broth as an antibacterial agent against Vibrio parahaemolyticus was tested at -20, 5, 35, 45 and 50℃. Increasing concentrations of ethanol progressively inhibited initial growth of V. parahaemolyticus at 35℃. Growth occured at 5% ethanol, but only after a prolonged lag period. At 7% ethanol, the number of viable cells of V. parahaemolyticus declined during incubation. Culture broth containing 3∼7% ethanol was inoculated with 10^6∼10^7 cells/㎖ of V. parahaemolyticus and incubated at low temperatures(5℃, -20℃) and high temperatures(45℃, 50℃). In the presence of 5 or 7% of ethanol, the viability in the cells incubated at high temperatures decreased rapidly. Rate of death increased with increasing concentration of ethanol.
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Thitima Waket,Thapanee Sarakonsri,Katerina E. Aifantis,Stephen A. Hackney 한양대학교 세라믹연구소 2016 Journal of Ceramic Processing Research Vol.17 No.2
Both tin (Sn) and sulfur (S) can act as hosts for lithium-ions and, therefore, Sn/C and SnS/C nanocomposites, prepared by thesolution method, have the potential to be used as anodes in next-generation Li-ion batteries. One of the key factors in the designof promising anodes is the ability of their microstructure to accommodate the Li-insertion and de-insertion; hence, in thepresent study, various carbon types were employed, and the metal volume fractions (S and Sn) were varied in order todetermine the most promising microstructures. Particularly, the types of carbons, which were considered in this study, wereartificial graphite (AG), mesocarbonmicrobeads (MCMB), and graphene (GC). To prepare Sn/graphene composites, theamount of Sn was made to vary between 10 wt.% and 20 wt.%. As for the SnS/C materials, the Sn and S ratios were 10 : 10and 20 : 20, and the types of carbon used were MCMB and AG. X-ray diffraction showed that Sn and SnS phases develop withingraphite, and scanning electron microscopy revealed that these phases disperse well in graphite. Furthermore, transmissionelectron microscopy allowed for a better observation of the nanometer dimensions of the particle size in all the samples.
KCI
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