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Consumer Finance: Factors Affecting the Financial Literacy of Individuals with Limited English Proficiency (open access)

Consumer Finance: Factors Affecting the Financial Literacy of Individuals with Limited English Proficiency

A letter report issued by the Government Accountability Office with an abstract that begins "According to Census data, more than 12 million adults in the United States report they do not speak English well or at all. Proficiency in reading, writing, speaking, and understanding the English language appears to be linked to multiple dimensions of adult life in the United States, including financial literacy--the ability to make informed judgments and take effective actions regarding the current and future use and management of money. The Credit Card Accountability, Responsibility and Disclosure Act of 2009 mandated GAO to examine the relationship between fluency in the English language and financial literacy. Responding to this mandate, this report examines the extent, if any, to which individuals with limited English proficiency are impeded in their financial literacy and conduct of financial affairs. To address this objective, GAO conducted a literature review of relevant studies, reports, and surveys, and conducted interviews at federal, nonprofit, and private entities that address financial literacy issues and serve people with limited English proficiency. GAO also conducted a series of focus groups with consumers and with staff at community and financial organizations. GAO makes no recommendations in this report."
Date: May 21, 2010
Creator: United States. Government Accountability Office.
Object Type: Report
System: The UNT Digital Library
Fiscal Year 2011 Performance Plan (open access)

Fiscal Year 2011 Performance Plan

Other written product issued by the Government Accountability Office with an abstract that begins "This report presents the Government Accountability Office's (GAO) Performance Plan for Fiscal Year 2011. In the spirit of the Government Performance and Results Act, this annual plan informs the Congress and the American people about what we expect to accomplish on their behalf in the coming fiscal year. It sets forth our plan to make progress toward achieving our strategic goals for serving the Congress and the American people. This framework not only shows the relationship between our strategic goals and strategic objectives, but also show major themes that could potentially affect our work."
Date: May 21, 2010
Creator: United States. Government Accountability Office.
Object Type: Text
System: The UNT Digital Library
The Greensheet (Houston, Tex.), Vol. 41, No. 190, Ed. 1 Friday, May 21, 2010 (open access)

The Greensheet (Houston, Tex.), Vol. 41, No. 190, Ed. 1 Friday, May 21, 2010

Free weekly newspaper that includes business and classified advertising.
Date: May 21, 2010
Creator: unknown
Object Type: Newspaper
System: The Portal to Texas History
The Greensheet (Houston, Tex.), Vol. 41, No. 192, Ed. 1 Friday, May 21, 2010 (open access)

The Greensheet (Houston, Tex.), Vol. 41, No. 192, Ed. 1 Friday, May 21, 2010

Free weekly newspaper that includes business and classified advertising.
Date: May 21, 2010
Creator: unknown
Object Type: Newspaper
System: The Portal to Texas History
Texas Register, Volume 35, Number 21, Pages 3905-4274, May 21, 2010 (open access)

Texas Register, Volume 35, Number 21, Pages 3905-4274, May 21, 2010

A weekly publication, the Texas Register serves as the journal of state agency rulemaking for Texas. Information published in the Texas Register includes proposed, adopted, withdrawn and emergency rule actions, notices of state agency review of agency rules, governor's appointments, attorney general opinions, and miscellaneous documents such as requests for proposals. After adoption, these rulemaking actions are codified into the Texas Administrative Code.
Date: May 21, 2010
Creator: Texas. Secretary of State.
Object Type: Journal/Magazine/Newsletter
System: The Portal to Texas History
Dallas Voice (Dallas, Tex.), Vol. 27, No. 1, Ed. 1 Friday, May 21, 2010 (open access)

Dallas Voice (Dallas, Tex.), Vol. 27, No. 1, Ed. 1 Friday, May 21, 2010

Weekly newspaper from Dallas, Texas that includes local, state, and national news and advertising of interest to the Lesbian, Gay, Bisexual, and Transgender (LGBT) community.
Date: May 21, 2010
Creator: Nash, Tammye
Object Type: Newspaper
System: The UNT Digital Library
Texas Attorney General Opinion: GA-0776 (open access)

Texas Attorney General Opinion: GA-0776

Document issued by the Office of the Attorney General of Texas in Austin, Texas, providing an interpretation of Texas law. It provides the opinion of the Texas Attorney General, Greg Abbott, regarding a legal question submitted for clarification; Whether the transfer of certain funds and positions form the Texas Department of Transportation to the Texas Department of Motor Vehicles in section 17.30(b), article 9 of the 2010-2011 General Appropriations Act constitutes an appropriation(RQ-0838-GA).
Date: May 21, 2010
Creator: Texas. Attorney-General's Office.
Object Type: Text
System: The Portal to Texas History
Texas Attorney General Opinion: GA-0777 (open access)

Texas Attorney General Opinion: GA-0777

Document issued by the Office of the Attorney General of Texas in Austin, Texas, providing an interpretation of Texas law. It provides the opinion of the Texas Attorney General, Greg Abbott, regarding a legal question submitted for clarification; The Comptroller of public accounts implementation of article 9, section 17.10 of the 2010-2011 General Appropriations Act, which directs allocation to the Rail Relocation and Improvement Fund(RQ-0844-GA).
Date: May 21, 2010
Creator: Texas. Attorney-General's Office.
Object Type: Text
System: The Portal to Texas History
Small Business: Access to Capital and Job Creation (open access)

Small Business: Access to Capital and Job Creation

None
Date: May 21, 2010
Creator: unknown
Object Type: Report
System: The UNT Digital Library
Somatic genomic variations in extra-embryonic tissues (open access)

Somatic genomic variations in extra-embryonic tissues

In the mature chorion, one of the membranes that exist during pregnancy between the developing fetus and mother, human placental cells form highly specialized tissues composed of mesenchyme and floating or anchoring villi. Using fluorescence in situ hybridization, we found that human invasive cytotrophoblasts isolated from anchoring villi or the uterine wall had gained individual chromosomes; however, chromosome losses were detected infrequently. With chromosomes gained in what appeared to be a chromosome-specific manner, more than half of the invasive cytotrophoblasts in normal pregnancies were found to be hyperdiploid. Interestingly, the rates of hyperdiploid cells depended not only on gestational age, but were strongly associated with the extraembryonic compartment at the fetal-maternal interface from which they were isolated. Since hyperdiploid cells showed drastically reduced DNA replication as measured by bromodeoxyuridine incorporation, we conclude that aneuploidy is a part of the normal process of placentation potentially limiting the proliferative capabilities of invasive cytotrophoblasts. Thus, under the special circumstances of human reproduction, somatic genomic variations may exert a beneficial, anti-neoplastic effect on the organism.
Date: May 21, 2010
Creator: Weier, Jingly F.; Ferlatte, Christy & Weier, Heinz-Ulli G.
Object Type: Report
System: The UNT Digital Library
[Letter from Daniel Graney to multiple recipients] (open access)

[Letter from Daniel Graney to multiple recipients]

Letter from Daniel Graney to "All" on May 21, 2010, discussing proposed amendments to Texas Stonewall Democrat Caucus bylaws.
Date: May 21, 2010
Creator: unknown
Object Type: Letter
System: The UNT Digital Library
The Greensheet (Houston, Tex.), Vol. 41, No. 191, Ed. 1 Friday, May 21, 2010 (open access)

The Greensheet (Houston, Tex.), Vol. 41, No. 191, Ed. 1 Friday, May 21, 2010

Free weekly newspaper that includes business and classified advertising.
Date: May 21, 2010
Creator: unknown
Object Type: Newspaper
System: The Portal to Texas History
AVNG as a Test Case for Cooperative Design (open access)

AVNG as a Test Case for Cooperative Design

Designing a measurement system that might be used in a nuclear facility is a challenging, if not daunting, proposition. The situation is made more complicated when the system needs to be designed to satisfy the disparate requirements of a monitoring and a host party - a relationship that could prove to be adversarial. The cooperative design of the elements of the AVNG (Attribute Verification with Neutrons and Gamma Rays) system served as a crucible that exercised the possible pitfalls in the design and implementation of a measurement system that could be used in a host party nuclear facility that satisfied the constraints of operation for both the host and monitoring parties. Some of the issues that needed to be addressed in the joint design were certification requirements of the host party and the authentication requirements of the monitoring party. In this paper the nature of the problem of cooperative design will be introduced. The details of cooperative design revolve around the idiosyncratic nature of the adversarial relationship between the parties involved in a possible measurement regime, particularly if measurements on items that may contain sensitive information are being pursued. The possibility of an adversarial interaction is more likely if an …
Date: May 21, 2010
Creator: Luke, S J
Object Type: Article
System: The UNT Digital Library
Dynamics of Longitudinal Phase-Space Modulations in an rf Compressor for Electron Beams (open access)

Dynamics of Longitudinal Phase-Space Modulations in an rf Compressor for Electron Beams

Free Electron Lasers (FELs) operating in the UV or x-ray radiation spectrum require peak beam currents that are generally higher than those obtainable by present electron sources, thus making bunch compression necessary. Compression, however, may heighten the effects of collective forces and degrade the beam quality. In this paper they provide a framework for investigating some of these effects in rf compressors by focusing on the longitudinal dynamics of small-amplitude density perturbations, which have the potential to cause the disruptive appearance of the so-called microbunching instability. They develop a linear theory valid for low-to-moderate compression factors under the assumption of a 1D impedance model of longitudinal space charge and provide validation against macroparticle simulations.
Date: May 21, 2010
Creator: Venturini, M.; Migliorati, M.; Ronsivalle, C.; Ferrario, M. & Vaccarezza, C.
Object Type: Article
System: The UNT Digital Library
Sludge Batch 6 Acceptance Evaluation:  Radionuclide Concentrations in Tank 51 sb6 Qualification Sample Prepared at SRNL (open access)

Sludge Batch 6 Acceptance Evaluation: Radionuclide Concentrations in Tank 51 sb6 Qualification Sample Prepared at SRNL

Presented in this report are radionuclide concentrations required as part of the program of qualifying Sludge Batch Six (SB6) for processing in the Defense Waste Processing Facility (DWPF). The SB6 material is currently in Tank 51 being washed and prepared for transfer to Tank 40. The acceptance evaluation needs to be completed prior to the transfer of the material in Tank 51 to Tank 40. The sludge slurry in Tank 40 has already been qualified for DWPF and is currently being processed as SB5. The radionuclide concentrations were measured or estimated in the Tank 51 SB6 Qualification Sample prepared at Savannah River National Laboratory (SRNL). This sample was prepared from the three liter sample of Tank 51 sludge slurry (HTF-51-09-110) taken on October 8, 2009. The sample was delivered to SRNL where it was initially characterized in the Shielded Cells. Under the direction of the Liquid Waste Organization it was then modified by eight washes, nine decants, an addition of Pu from Canyon Tank 16.3, and an addition of NaNO{sub 2}. This final slurry now has a composition expected to be similar to that of the slurry in Tank 51 after final preparations have been made for transfer of that …
Date: May 21, 2010
Creator: Bannochie, C.; Bibler, N. & Diprete, D.
Object Type: Report
System: The UNT Digital Library
Iterative Self-Dual Reconstruction on Radar Image Recovery (open access)

Iterative Self-Dual Reconstruction on Radar Image Recovery

Imaging systems as ultrasound, sonar, laser and synthetic aperture radar (SAR) are subjected to speckle noise during image acquisition. Before analyzing these images, it is often necessary to remove the speckle noise using filters. We combine properties of two mathematical morphology filters with speckle statistics to propose a signal-dependent noise filter to multiplicative noise. We describe a multiscale scheme that preserves sharp edges while it smooths homogeneous areas, by combining local statistics with two mathematical morphology filters: the alternating sequential and the self-dual reconstruction algorithms. The experimental results show that the proposed approach is less sensitive to varying window sizes when applied to simulated and real SAR images in comparison with standard filters.
Date: May 21, 2010
Creator: Martins, Charles; Medeiros, Fatima; Ushizima, Daniela; Bezerra, Francisco; Marques, Regis & Mascarenhas, Nelson
Object Type: Article
System: The UNT Digital Library
Evaluation of Efficiency Activities in the Industrial Sector Undertaken in Response to Greenhouse Gas Emission Reduction Targets (open access)

Evaluation of Efficiency Activities in the Industrial Sector Undertaken in Response to Greenhouse Gas Emission Reduction Targets

The 2006 California Global Warming Solutions Act calls for reducing greenhouse gas (GHG) emissions to 1990 levels by 2020. Meeting this target will require action from all sectors of the California economy, including industry. The industrial sector consumes 25% of the energy used and emits 28% of the carbon dioxide (CO{sub 2}) produced in the state. Many countries around the world have national-level GHG reduction or energy-efficiency targets, and comprehensive programs focused on implementation of energy efficiency and GHG emissions mitigation measures in the industrial sector are essential for achieving their goals. A combination of targets and industry-focused supporting programs has led to significant investments in energy efficiency as well as reductions in GHG emissions within the industrial sectors in these countries. This project has identified program and policies that have effectively targeted the industrial sector in other countries to achieve real energy and CO{sub 2} savings. Programs in Ireland, France, The Netherlands, Denmark, and the UK were chosen for detailed review. Based on the international experience documented in this report, it is recommended that companies in California's industrial sector be engaged in a program to provide them with support to meet the requirements of AB32, The Global Warming Solution …
Date: May 21, 2010
Creator: Price, Lynn; de la Rue du Can, Stephane; Lu, Hongyou & Horvath, Arpad
Object Type: Report
System: The UNT Digital Library
Automated detection and analysis of particle beams in laser-plasma accelerator simulations (open access)

Automated detection and analysis of particle beams in laser-plasma accelerator simulations

Numerical simulations of laser-plasma wakefield (particle) accelerators model the acceleration of electrons trapped in plasma oscillations (wakes) left behind when an intense laser pulse propagates through the plasma. The goal of these simulations is to better understand the process involved in plasma wake generation and how electrons are trapped and accelerated by the wake. Understanding of such accelerators, and their development, offer high accelerating gradients, potentially reducing size and cost of new accelerators. One operating regime of interest is where a trapped subset of electrons loads the wake and forms an isolated group of accelerated particles with low spread in momentum and position, desirable characteristics for many applications. The electrons trapped in the wake may be accelerated to high energies, the plasma gradient in the wake reaching up to a gigaelectronvolt per centimeter. High-energy electron accelerators power intense X-ray radiation to terahertz sources, and are used in many applications including medical radiotherapy and imaging. To extract information from the simulation about the quality of the beam, a typical approach is to examine plots of the entire dataset, visually determining the adequate parameters necessary to select a subset of particles, which is then further analyzed. This procedure requires laborious examination of …
Date: May 21, 2010
Creator: Ushizima, Daniela Mayumi; Geddes, Cameron G.; Cormier-Michel, Estelle; Bethel, E. Wes; Jacobsen, Janet; Prabhat et al.
Object Type: Book
System: The UNT Digital Library
Development of a Spatially Resolving X-Ray Crystal Spectrometer (XCS) for Measurement of Ion-Temperature (Ti) and Rotation-Velocity (v) Profiles in ITER (open access)

Development of a Spatially Resolving X-Ray Crystal Spectrometer (XCS) for Measurement of Ion-Temperature (Ti) and Rotation-Velocity (v) Profiles in ITER

Imaging XCS arrays are being developed as a US-ITER activity for Doppler measurement of Ti and v profiles of impurities (W, Kr, Fe) with ~7 cm (a/30) and 10-100 ms resolution in ITER. The imaging XCS, modeled after a PPPL-MIT instrument on Alcator C-Mod, uses a spherically bent crystal and 2d x-ray detectors to achieve high spectral resolving power (E/dE>6000) horizontally and spatial imaging vertically. Two arrays will measure Ti and both poloidal and toroidal rotation velocity profiles. Measurement of many spatial chords permits tomographic inversion for inference of local parameters. The instrument design, predictions of performance, and results from C-Mod will be presented.
Date: May 21, 2010
Creator: Hill, K. W.; Delgado-Aprico, L.; Johnson, D.; Feder, R.; Beiersdorfer, P.; Dunn, J. et al.
Object Type: Report
System: The UNT Digital Library
Sludge Batch 7 Preparation Tank 4 and 12 Characterization (open access)

Sludge Batch 7 Preparation Tank 4 and 12 Characterization

Samples of PUREX sludge from Tank 4 and HM sludge from Tank 12 were characterized in preparation for Sludge Batch 7 (SB7) formulation in Tank 51. SRNL analyses on Tank 4 and Tank 12 were requested in separate Technical Assistance Requests (TAR). The Tank 4 samples were pulled on January 19, 2010 following slurry operations by F-Tank Farm. The Tank 12 samples were pulled on February 9, 2010 following slurry operations by H-Tank Farm. At the Savannah River National Laboratory (SRNL), two 200 mL dip samples of Tank 4 and two 200 mL dip samples of Tank 12 were received in the SRNL Shielded Cells. Each tank's samples were composited into clean 500 mL polyethylene storage bottles and weighed. The composited Tank 4 sample was 428.27 g and the composited Tank 12 sample was 502.15 g. As expected there are distinct compositional differences between Tank 4 and Tank 12 sludges. The Tank 12 slurry is much higher in Al, Hg, Mn, and Th, and much lower in Fe, Ni, S, and U than the Tank 4 slurry. The Tank 4 sludge definitely makes the more significant contribution of S to any sludge batch blend. This S, like that observed during …
Date: May 21, 2010
Creator: Bannochie, C.; Click, D. & Pareizs, J.
Object Type: Report
System: The UNT Digital Library
Full Electromagnetic Simulation of Coherent Synchrotron Radiation via the Lorentz-Boosted Frame Approach (open access)

Full Electromagnetic Simulation of Coherent Synchrotron Radiation via the Lorentz-Boosted Frame Approach

Numerical simulation of some systems containing charged particles with highly relativistic directed motion can by speeded up by orders of magnitude by choice of the proper Lorentz-boosted frame. Orders of magnitude speedup has been demonstrated for simulations from first principles of laser-plasma accelerator, free electron laser, and particle beams interacting with electron clouds. Here we address the application of the Lorentz-boosted frame approach to coherent synchrotron radiation (CSR), which can be strongly present in bunch compressor chicanes. CSR is particularly relevant to the next generation of x-ray light sources and is simultaneously difficult to simulate in the lab frame because of the large ratio of scale lengths. It can increase both the incoherent and coherent longitudinal energy spread, effects that often lead to an increase in transverse emittance. We have adapted the WARP code to simulate CSR emission along a simple dipole bend. We present some scaling arguments for the possible computational speed up factor in the boosted frame and initial 3D simulation results.
Date: May 21, 2010
Creator: Fawley, William M & Vay, Jean-Luc
Object Type: Article
System: The UNT Digital Library
Analytical solution for Joule-Thomson cooling during CO2 geo-sequestration in depleted oil and gas reservoirs (open access)

Analytical solution for Joule-Thomson cooling during CO2 geo-sequestration in depleted oil and gas reservoirs

Mathematical tools are needed to screen out sites where Joule-Thomson cooling is a prohibitive factor for CO{sub 2} geo-sequestration and to design approaches to mitigate the effect. In this paper, a simple analytical solution is developed by invoking steady-state flow and constant thermophysical properties. The analytical solution allows fast evaluation of spatiotemporal temperature fields, resulting from constant-rate CO{sub 2} injection. The applicability of the analytical solution is demonstrated by comparison with non-isothermal simulation results from the reservoir simulator TOUGH2. Analysis confirms that for an injection rate of 3 kg s{sup -1} (0.1 MT yr{sup -1}) into moderately warm (>40 C) and permeable formations (>10{sup -14} m{sup 2} (10 mD)), JTC is unlikely to be a problem for initial reservoir pressures as low as 2 MPa (290 psi).
Date: May 21, 2010
Creator: Mathias, S.A.; Gluyas, J.G.; Oldenburg, C.M. & Tsang, C.-F.
Object Type: Article
System: The UNT Digital Library
The U.S. Postal Service's Financial Condition: Overview and Issues for Congress (open access)

The U.S. Postal Service's Financial Condition: Overview and Issues for Congress

This report provides an overview of the U.S. Postal Service's (USPS's) financial condition, recent legislation to alleviate the USPS's financial challenges, and possible issues for the 111th Congress.
Date: May 21, 2010
Creator: Kosar, Kevin R.
Object Type: Report
System: The UNT Digital Library
Privacy and Civil Liberties Oversight Board: New Independent Agency Status (open access)

Privacy and Civil Liberties Oversight Board: New Independent Agency Status

This report examines initial responses to the 9/11 Commission's call for a board to oversee adherence to presidential guidelines on information sharing that safeguard the privacy of individuals about whom information is shared, and the implementation of this board.
Date: May 21, 2010
Creator: Hatch, Garrett
Object Type: Report
System: The UNT Digital Library