Carbonic Acid Pretreatment of Biomass (open access)

Carbonic Acid Pretreatment of Biomass

This project sought to address six objectives, outlined below. The objectives were met through the completion of ten tasks. 1) Solidify the theoretical understanding of the binary CO2/H2O system at reaction temperatures and pressures. The thermodynamics of pH prediction have been improved to include a more rigorous treatment of non-ideal gas phases. However it was found that experimental attempts to confirm theoretical pH predictions were still off by a factor of about 1.8 pH units. Arrhenius experiments were carried out and the activation energy for carbonic acid appears to be substantially similar to sulfuric acid. Titration experiments have not yet confirmed or quantified the buffering or acid suppression effects of carbonic acid on biomass. 2) Modify the carbonic acid pretreatment severity function to include the effect of endogenous acid formation and carbonate buffering, if necessary. It was found that the existing severity functions serve adequately to account for endogenous acid production and carbonate effects. 3) Quantify the production of soluble carbohydrates at different reaction conditions and severity. Results show that carbonic acid has little effect on increasing soluble carbohydrate concentrations for pretreated aspen wood, compared to pretreatment with water alone. This appears to be connected to the release of endogenous …
Date: May 31, 2003
Creator: Walsum, G. Peter van; Jayawardhana, Kemantha; Yourchisin, Damon; McWilliams, Robert & Castleberry, Vanessa
Object Type: Report
System: The UNT Digital Library
Correlation Between Domain Behavior and Magnetic Properties of Materials (open access)

Correlation Between Domain Behavior and Magnetic Properties of Materials

Correlation between length scales in the field of magnetism has long been a topic of intensive study. The long-term desire is simple: to determine one theory that completely describes the magnetic behavior of matter from an individual atomic particle all the way up to large masses of material. One key piece to this puzzle is connecting the behavior of a material's domains on the nanometer scale with the magnetic properties of an entire large sample or device on the centimeter scale. In the first case study involving the FeSiAl thin films, contrast and spacing of domain patterns are clearly related to microstructure and stress. Case study 2 most clearly demonstrates localized, incoherent domain wall motion switching with field applied along an easy axis for a square hysteresis loop. In case study 3, axis-specific images of the complex Gd-Si-Ge material clearly show the influence of uniaxial anisotropy. Case study 4, the only study with the sole intent of creating domain structures for imaging, also demonstrated in fairly simple terms the effects of increasing stress on domain patterns. In case study 5, it was proven that the width of magnetoresistance loops could be quantitatively predicted using only MFM. When all of the …
Date: May 31, 2003
Creator: Leib, Jeffrey Scott
Object Type: Thesis or Dissertation
System: The UNT Digital Library
Development of Alternative Fuels and Chemicals From Synthesis Gas (open access)

Development of Alternative Fuels and Chemicals From Synthesis Gas

This Final Report for Cooperative Agreement No. DE-FC22-95PC93052, the ''Development of Alternative Fuels and Chemicals from Synthesis Gas,'' was prepared by Air Products and Chemicals, Inc. (Air Products), and covers activities from 29 December 1994 through 31 July 2002. The overall objectives of this program were to investigate potential technologies for the conversion of synthesis gas (syngas), a mixture primarily of hydrogen (H{sub 2}) and carbon monoxide (CO), to oxygenated and hydrocarbon fuels and industrial chemicals, and to demonstrate the most promising technologies at the LaPorte, Texas Alternative Fuels Development Unit (AFDU). Laboratory work was performed by Air Products and a variety of subcontractors, and focused on the study of the kinetics of production of methanol and dimethyl ether (DME) from syngas, the production of DME using the Liquid Phase Dimethyl Ether (LPDME{trademark}) Process, the conversion of DME to fuels and chemicals, and the production of other higher value products from syngas. Four operating campaigns were performed at the AFDU during the performance period. Tests of the Liquid Phase Methanol (LPMEOH{trademark}) Process and the LPDME{trademark} Process were made to confirm results from the laboratory program and to allow for the study of the hydrodynamics of the slurry bubble column reactor …
Date: May 31, 2003
Creator: Tijrn, Peter J.
Object Type: Report
System: The UNT Digital Library
Development of Modeling and Simulation for Magnetic Particle Inspection Using Finite Elements (open access)

Development of Modeling and Simulation for Magnetic Particle Inspection Using Finite Elements

Magnetic particle inspection (MPI) is a widely used nondestructive inspection method for aerospace applications essentially limited to experiment-based approaches. The analysis of MPI characteristics that affect sensitivity and reliability contributes not only reductions in inspection design cost and time but also improvement of analysis of experimental data. Magnetic particles are easily attracted toward a high magnetic field gradient. Selection of a magnetic field source, which produces a magnetic field gradient large enough to detect a defect in a test sample or component, is an important factor in magnetic particle inspection. In this work a finite element method (FEM) has been employed for numerical calculation of the MPI simulation technique. The FEM method is known to be suitable for complicated geometries such as defects in samples. This thesis describes the research that is aimed at providing a quantitative scientific basis for magnetic particle inspection. A new FEM solver for MPI simulation has been developed in this research for not only nonlinear reversible permeability materials but also irreversible hysteresis materials that are described by the Jiles-Atherton model. The material is assumed to have isotropic ferromagnetic properties in this research (i.e., the magnetic properties of the material are identical in all directions in …
Date: May 31, 2003
Creator: Lee, Jun-Youl
Object Type: Thesis or Dissertation
System: The UNT Digital Library
Final Report, Distillation Column Flooding Predictor (open access)

Final Report, Distillation Column Flooding Predictor

The Flooding Predictor is an advanced process control strategy comprising a patented pattern-recognition methodology that identifies pre-flood patterns discovered to precede flooding events in distillation columns. The grantee holds a U.S. patent on the modeling system. The technology was validated at the Separations Research Program, The University of Texas at Austin under a grant from the U. S. Department of Energy, Inventions & Innovation Program. Distillation tower flooding occurs at abnormally high vapor and/or liquid rates. The loss in tray efficiencies is attributed to unusual behavior of liquid inventories inside the column leading to conditions of flooding of the space in between trays with liquid. Depending on the severity of the flood condition, consequences range from off spec products to equipment damage and tower shutdown. This non-intrusive pattern recognition methodology, processes signal data obtained from existing column instrumentation. Once the pattern is identified empirically, it is modeled and coded into the plant's distributed control system. The control system is programmed to briefly "unload" the tower each time the pattern appears. The unloading takes the form of a momentary reduction in column severity, e.g., decrease bottom temperature, reflux or tower throughput. Unloading the tower briefly at the pre-flood state causes long-term …
Date: May 31, 2003
Creator: Dzyacky, George E.
Object Type: Report
System: The UNT Digital Library
Functionalized Materials From Elastomers to High Performance Thermoplastics (open access)

Functionalized Materials From Elastomers to High Performance Thermoplastics

Synthesis and incorporation of functionalized materials continues to generate significant research interest in academia and in industry. If chosen correctly, a functional group when incorporated into a polymer can deliver enhanced properties, such as adhesion, water solubility, thermal stability, etc. The utility of these new materials has been demonstrated in drug-delivery systems, coatings, membranes and compatibilizers. Two approaches exist to functionalize a material. The desired moiety can be added to the monomer either before or after polymerization. The polymers used range from low glass transition temperature elastomers to high glass transition temperature, high performance materials. One industrial example of the first approach is the synthesis of Teflon(reg. sign). Poly(tetrafluoroethylene) (PTFE or Teflon(reg. sign)) is synthesized from tetrafluoroethylene, a functionalized monomer. The resulting material has significant property differences from the parent, poly(ethylene). Due to the fluorine in the polymer, PTFE has excellent solvent and heat resistance, a low surface energy and a low coefficient of friction. This allows the material to be used in high temperature applications where the surface needs to be nonabrasive and nonstick. This material has a wide spread use in the cooking industry because it allows for ease of cooking and cleaning as a nonstick coating on …
Date: May 31, 2003
Creator: Salazar, Laura Ann
Object Type: Thesis or Dissertation
System: The UNT Digital Library
Geologic Controls of Hydrocarbon Occurrence in the Southern Appalachian Basin in Eastern Tennessee, Southwestern Virginia, Eastern Kentucky, and Southern West Virginia (open access)

Geologic Controls of Hydrocarbon Occurrence in the Southern Appalachian Basin in Eastern Tennessee, Southwestern Virginia, Eastern Kentucky, and Southern West Virginia

This report summarizes the first-year accomplishments of a three-year program to investigate the geologic controls of hydrocarbon occurrence in the southern Appalachian basin in eastern Tennessee, southwestern Virginia, eastern Kentucky, and southern West Virginia. The project: (1) employs the petroleum system approach to understand the geologic controls of hydrocarbons; (2) attempts to characterize the T-P parameters driving petroleum evolution; (3) attempts to obtain more quantitative definitions of reservoir architecture and identify new traps; (4) is working with USGS and industry partners to develop new play concepts and geophysical log standards for subsurface correlation; and (5) is geochemically characterizing the hydrocarbons (cooperatively with USGS). First-year results include: (1) meeting specific milestones (determination of thrust movement vectors, fracture analysis, and communicating results at professional meetings and through publication). All milestones were met. Movement vectors for Valley and Ridge thrusts were confirmed to be west-directed and derived from pushing by the Blue Ridge thrust sheet, and fan about the Tennessee salient. Fracture systems developed during Paleozoic, Mesozoic, and Cenozoic to Holocene compressional and extensional tectonic events, and are more intense near faults. Presentations of first-year results were made at the Tennessee Oil and Gas Association meeting (invited) in June, 2003, at a workshop …
Date: May 31, 2003
Creator: Hatcher, Robert D.
Object Type: Report
System: The UNT Digital Library
Is Lutein a Physiologically Important Ligand for Transthyretin in Humans? (open access)

Is Lutein a Physiologically Important Ligand for Transthyretin in Humans?

Lutein and zeaxanthin are the only carotenoids accumulated in the macula of the human retina and are known as the macular pigments (MP). These pigments account for the yellow color of the macula and appear to play an important role in protecting against age-related macular degeneration (AMD). The uptake of lutein and zeaxanthin in human eyes is remarkably specific. It is likely that specific transport or binding proteins are involved. The objective is to determine whether transthyretin (TTR) is a transport protein in human plasma and could thus deliver lutein from the blood to the retina. In this study, they used a biosynthetic {sup 13}C-lutein tracer and gas chromatography-combustion interfaced-isotope ratio mass spectrometry (GCC-IRMS) to gain the requisite sensitivity to detect the minute amounts of lutein expected as a physiological ligand for human transthyretin. The biosynthetic {sup 13}C-labeled lutein tracer was purified from algae. Healthy women (n = 4) each ingested 1 mg of {sup 13}C-labeled lutein daily for 3 days and a blood sample was collected 24 hours after the final dose. Plasma TTR was isolated by retinol-binding protein (RBP)-sepharose affinity chromatography and extracted with chloroform. The {sup 13}C/{sup 12}C ratio in the TTR extract was measured by GCC-IRMS. …
Date: May 31, 2003
Creator: Chen, Liwei
Object Type: Thesis or Dissertation
System: The UNT Digital Library
Nuclear Spin Lattice Relaxation and Conductivity Studies of the Non-Arrhenius Conductivity Behavior in Lithium Fast Ion Conducting Sulfide Glasses (open access)

Nuclear Spin Lattice Relaxation and Conductivity Studies of the Non-Arrhenius Conductivity Behavior in Lithium Fast Ion Conducting Sulfide Glasses

As time progresses, the world is using up more of the planet's natural resources. Without technological advances, the day will eventually arrive when these natural resources will no longer be sufficient to supply all of the energy needs. As a result, society is seeing a push for the development of alternative fuel sources such as wind power, solar power, fuel cells, and etc. These pursuits are even occurring in the state of Iowa with increasing social pressure to incorporate larger percentages of ethanol in gasoline. Consumers are increasingly demanding that energy sources be more powerful, more durable, and, ultimately, more cost efficient. Fast Ionic Conducting (FIC) glasses are a material that offers great potential for the development of new batteries and/or fuel cells to help inspire the energy density of battery power supplies. This dissertation probes the mechanisms by which ions conduct in these glasses. A variety of different experimental techniques give a better understanding of the interesting materials science taking place within these systems. This dissertation discusses Nuclear Magnetic Resonance (NMR) techniques performed on FIC glasses over the past few years. These NMR results have been complimented with other measurement techniques, primarily impedance spectroscopy, to develop models that describe …
Date: May 31, 2003
Creator: Meyer, Benjamin Michael
Object Type: Thesis or Dissertation
System: The UNT Digital Library
Process Optimization for Solid Extraction, Flavor Improvement and Fat Removal in the Production of Soymilk From Full Fat Soy Flakes (open access)

Process Optimization for Solid Extraction, Flavor Improvement and Fat Removal in the Production of Soymilk From Full Fat Soy Flakes

Traditionally soymilk has been made with whole soybeans; however, there are other alternative raw ingredients for making soymilk, such as soy flour or full-fat soy flakes. US markets prefer soymilk with little or no beany flavor. modifying the process or using lipoxygenase-free soybeans can be used to achieve this. Unlike the dairy industry, fat reduction in soymilk has been done through formula modification instead of by conventional fat removal (skimming). This project reports the process optimization for solids and protein extraction, flavor improvement and fat removal in the production of 5, 8 and 12 {sup o}Brix soymilk from full fat soy flakes and whole soybeans using the Takai soymilk machine. Proximate analyses, and color measurement were conducted in 5, 8 and 12 {sup o}Brix soymilk. Descriptive analyses with trained panelists (n = 9) were conducted using 8 and 12 {sup o}Brix lipoxygenase-free and high protein blend soy flake soymilks. Rehydration of soy flakes is necessary to prevent agglomeration during processing and increase extractability. As the rehydration temperature increases from 15 to 50 to 85 C, the hexanal concentration was reduced. Enzyme inactivation in soy flakes milk production (measured by hexanal levels) is similar to previous reports with whole soybeans milk …
Date: May 31, 2003
Creator: Prawiradjaja, Stanley
Object Type: Thesis or Dissertation
System: The UNT Digital Library
Studies of Immobilized Homogeneous Metal Catalysts on Silica Supports (open access)

Studies of Immobilized Homogeneous Metal Catalysts on Silica Supports

The tethered, chiral, chelating diphosphine rhodium complex, which catalyzes the enantioselective hydrogenation of methyl-{alpha}-acetamidocinnamate (MAC), has the illustrated structure as established by {sup 31}P NMR and IR studies. Spectral and catalytic investigations also suggest that the mechanism of action of the tethered complex is the same as that of the untethered complex in solution. The rhodium complexes, [Rh(COD)H]{sub 4}, [Rh(COD){sub 2}]{sup +}BF{sub 4}{sup -}, [Rh(COD)Cl]{sub 2}, and RhCl{sub 3} {center_dot} 3H{sub 2}O, adsorbed on SiO{sub 2} are optimally activated for toluene hydrogenation by pretreatment with H{sub 2} at 200 C. The same complexes on Pd-SiO{sub 2} are equally active without pretreatments. The active species in all cases is rhodium metal. The catalysts were characterized by XPS, TEM, DRIFTS, and mercury poisoning experiments. Rhodium on silica catalyzes the hydrogenation of fluorobenzene to produce predominantly fluorocyclohexane in heptane and 1,2-dichloroethane solvents. In heptane/methanol and heptane/water solvents, hydrodefluorination to benzene and subsequent hydrogenation to cyclohexane occurs exclusively. Benzene inhibits the hydrodefluorination of fluorobenzene. In DCE or heptane solvents, fluorocyclohexane reacts with hydrogen fluoride to form cyclohexene. Reaction conditions can be chosen to selectively yield fluorocyclohexane, cyclohexene, benzene, or cyclohexane. The oxorhenium(V) dithiolate catalyst [-S(CH{sub 2}){sub 3}s-]Re(O)(Me)(PPh{sub 3}) was modified by linking it to …
Date: May 31, 2003
Creator: Stanger, Keith James
Object Type: Thesis or Dissertation
System: The UNT Digital Library
Synthesis of Polycyclic Natural Products (open access)

Synthesis of Polycyclic Natural Products

With the continuous advancements in molecular biology and modern medicine, organic synthesis has become vital to the support and extension of those discoveries. The isolations of new natural products allow for the understanding of their biological activities and therapeutic value. Organic synthesis is employed to aid in the determination of the relationship between structure and function of these natural products. The development of synthetic methodologies in the course of total syntheses is imperative for the expansion of this highly interdisciplinary field of science. In addition to the practical applications of total syntheses, the structural complexity of natural products represents a worthwhile challenge in itself. The pursuit of concise and efficient syntheses of complex molecules is both gratifying and enjoyable.
Date: May 31, 2003
Creator: Nguyen, Tuan Hoang
Object Type: Thesis or Dissertation
System: The UNT Digital Library
78th Texas Legislature, Regular Session, House Bill 728, Chapter 183 (open access)

78th Texas Legislature, Regular Session, House Bill 728, Chapter 183

Bill introduced by the Texas House of Representatives relating to the continuous eligibility of certain children for medical assistance benefits.
Date: May 30, 2003
Creator: Texas. Legislature. House of Representatives.
Object Type: Legislative Document
System: The Portal to Texas History
78th Texas Legislature, Regular Session, House Concurrent Resolution 272 (open access)

78th Texas Legislature, Regular Session, House Concurrent Resolution 272

Concurrent resolution introduced by the Texas House of Representatives and Senate relating to recalling H.B. No. 2533.
Date: May 30, 2003
Creator: Texas. Legislature. House of Representatives.
Object Type: Legislative Document
System: The Portal to Texas History
78th Texas Legislature, Regular Session, House Joint Resolution 16 (open access)

78th Texas Legislature, Regular Session, House Joint Resolution 16

Joint resolution introduced by the Texas House of Representatives and Senate relating to proposing a constitutional amendment to authorize a county, a city or town, or a junior college district to establish an ad valorem tax freeze on residence homesteads of the disabled and of the elderly and their spouses.
Date: May 30, 2003
Creator: Texas. Legislature. House of Representatives.
Object Type: Legislative Document
System: The Portal to Texas History
The active fracture model: Its relation to fractal flow patterns and a further evaluation using field observations (open access)

The active fracture model: Its relation to fractal flow patterns and a further evaluation using field observations

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Date: May 30, 2003
Creator: Liu, Hui-Hai; Zhang, Guoxiang & Bodvarsson, Gudmundur S.
Object Type: Article
System: The UNT Digital Library
Biochemistry of Dissimilatory Sulfur Oxidation (open access)

Biochemistry of Dissimilatory Sulfur Oxidation

The long term goals of this research were to define the substrate oxidation pathways, the electron transport mechanisms, and the modes of energy conservation employed during the dissimilatory oxidation of sulfur practiced by various species of the thiobacilli. Specific adhesion of the thiobacilli to elemental sulfur was studied by electrical impedance, dynamic light scattering, laser Doppler velocimetry, and optical trapping methods. The conclusion is that the thiobacilli appear to express specific receptors that enable the bacteria to recognize and adhere to insoluble sulfur. The enzyme tetrathionate oxidase was purified from two species of the thiobacilli. Extensive structural and functional studies were conducted on adenosine 5'-phosphosulfate reductase purified from cell-free extracts of Thiobacillus denitrificans. The kinetic mechanism of rhodanese was studied.
Date: May 30, 2003
Creator: Blake, R., II
Object Type: Report
System: The UNT Digital Library
Bioenergy Crop Breeding and Production Research in the Southeast, Final Report for 1996 to 2001 (open access)

Bioenergy Crop Breeding and Production Research in the Southeast, Final Report for 1996 to 2001

Switchgrass (Panicum virgatum L.) is a native grass species to much of the US. It has shown great potential for use in production of fuel ethanol from cellulosic biomass (Lynd et al., 1991). Work in Alabama demonstrated very high dry matter yields can be achieved with switchgrass (Maposse et al. 1995) in the southeastern US. Therefore, this region is thought to be an excellent choice for development of a switchgrass cropping system where farmers can produce the grass for either biomass or forage. Another report has shown success with selection and breeding to develop high yielding germplasm from adapted cultivars and ecotypes of switchgrass (Moser and Vogel 1995). In the mid 1990s, however, there was little plant breeding effort for switchgrass with a potential for developing a cultivar for the southeast region. The main goal of the project was to develop adaptive, high-yielding switchgrass cultivars for use in cropping systems for bioenergy production in the southeastern US. A secondary objective was to assess the potential of alternate herbaceous species such as bermudagrass (Cynodon dactylon L.), bahiagrass (Paspalum notatum Flugge.), and napiergrass (Pennisetum purpureum Schumach.) that may compete with switchgrass for herbaceous bioenergy production in the southeast. During the conduct of …
Date: May 30, 2003
Creator: Bouton, J. H.
Object Type: Report
System: The UNT Digital Library
Bioterrorism: Information Technology Strategy Could Strengthen Federal Agencies' Abilities to Respond to Public Health Emergencies (open access)

Bioterrorism: Information Technology Strategy Could Strengthen Federal Agencies' Abilities to Respond to Public Health Emergencies

A letter report issued by the General Accounting Office with an abstract that begins "The October 2001 anthrax attacks, the recent outbreak of the virulent Severe Acute Respiratory Syndrome (SARS), and increased awareness that terrorist groups may be capable of releasing life-threatening biological agents have prompted efforts to improve our nation's preparedness for, and response to, public health emergencies--including bioterrorism. GAO was asked, among other things, to identify federal agencies information technology (IT) initiatives to support our nation's readiness to deal with bioterrorism. Specifically, we compiled an inventory of such activities, determined the range of these coordination activities with other agencies, and identified the use of health care standards in these efforts."
Date: May 30, 2003
Creator: United States. General Accounting Office.
Object Type: Report
System: The UNT Digital Library
Carcinogens formed when Meat is Cooked (open access)

Carcinogens formed when Meat is Cooked

Diet has been associated with varying cancer rates in human populations for many years, yet the causes of the observed variation in cancer patterns have not been adequately explained (Wynder et al. 1977). Along with the effect of diet on human cancer incidence is the strong evidence that mutations are the initiating events in the cancer process (Vogelstein et al. 1992). Foods, when heated, are a good source of genotoxic carcinogens that very likely are a cause for some of these events(Doll et al. 1981). These carcinogens fall into two chemical classes: heterocyclic aromatic amines (HAA) and polycyclic aromatic hydrocarbons (PAH). There is ample evidence that many of these compounds are complete carcinogens in rodents(El-Bayoumy et al. 1995; Ohgaki et al. 1991). Heterocyclic aromatic amines are among the most potent mutagenic substances ever tested in the Ames/Salmonella mutagenicity test (Wakabayashi et al. 1992). Both classes of carcinogen cause tumors in rodents at multiple sites, (El-Bayoumy et al. 1995; Ohgaki et al. 1991) many of which are common tumor sites in people on a Western diet. An HAA, PhIP (2-amino-1-methyl-6-phenylimidazo[4,5-b]pyridine), and a PAH, B[a]P (benzo[a]pyrene), of comparable carcinogenic potency caused mammary gland tumors in a feeding study in female rats (El-Bayoumy …
Date: May 30, 2003
Creator: Felton, J S; Salmon, C P & Knize, M G
Object Type: Article
System: The UNT Digital Library
Defense Trade: Report and Recommendations of the Defense Offsets Commission Still Pending (open access)

Defense Trade: Report and Recommendations of the Defense Offsets Commission Still Pending

A letter report issued by the General Accounting Office with an abstract that begins "Export sales of defense-related products often include "offsets"-- industrial and commercial benefits, such as technology transfer, which U.S. companies provide to foreign governments as incentives or conditions for purchasing military goods and services. Over the past decade, offsets have increased and in 1998, they totaled about $3 billion per year. In December 2000, GAO reported that countries are becoming increasingly sophisticated in their use of offsets to achieve regional industrial and employment goals. In 1999, Congress established a National Commission to report on the extent and nature of offsets in international defense trade by October 2001. The Director of the Office of Management and Budget (OMB) was designated chair of the Commission. Congress also required the President to report, within 90 days after the Commission's final report, on the feasibility and desirability of seeking a multilateral treaty with international trading partners on standards for use of defense offsets. GAO's report responds to the congressional mandate for GAO to monitor and periodically report on the President's progress in reaching a multilateral treaty."
Date: May 30, 2003
Creator: United States. General Accounting Office.
Object Type: Report
System: The UNT Digital Library
Effects of Self Irradiation from 238Pu on Candidate Ceramics for Plutonium Immobilization (open access)

Effects of Self Irradiation from 238Pu on Candidate Ceramics for Plutonium Immobilization

In this document, we describe the results of radiation damage testing and characterization for specimens that were resintered to re-establish crystallinity. The phases in these specimens have become amorphous from radiation induced damage over the 8 months since sintering.
Date: May 30, 2003
Creator: Strachan, Denis M.; Scheele, Randall D.; Kozelisky, Anne E. & Sell, Rachel L.
Object Type: Report
System: The UNT Digital Library
Elderly Housing: Project Funding and Other Factors Delay Assistance to Needy Households (open access)

Elderly Housing: Project Funding and Other Factors Delay Assistance to Needy Households

A letter report issued by the General Accounting Office with an abstract that begins "According to the Department of Housing and Urban Development (HUD), the most widespread and urgent housing problem facing elderly households is affordability. About 3.3 million elderly renter households in the United States have very low incomes (50 percent or less of median area income). The Section 202 Supportive Housing for the Elderly Program provides capital advances (grants) to nonprofit organizations to develop affordable rental housing exclusively for these households. GAO was asked to determine the role of the Section 202 program in addressing the need for affordable elderly housing and the factors affecting the timeliness of approving and constructing new projects."
Date: May 30, 2003
Creator: United States. General Accounting Office.
Object Type: Report
System: The UNT Digital Library
Electronic Banking: The Check Truncation Issue (open access)

Electronic Banking: The Check Truncation Issue

If all checks were replaced by electronic transactions, the exact cost savings would still be unknown, because estimates of the cost of using a check and the number of checks written each year remain in dispute. Consequently, estimates of cost savings range from $1.4 billion annually for truncation alone to $68 billion for replacing checks with electronic payments. A significant part of the savings comes from eliminating the handling, sorting, and physically transporting of checks to the paying bank. To clear checks electronically, banks must negotiate processing agreements thatmake it unnecessary to physically present the paper check. Since the benefits are not uniformly dispersed among the participants, banks have found it difficult to obtain these agreements, thus constraining the widespread adoption of electronic check clearing.
Date: May 30, 2003
Creator: Eubanks, Walter W.
Object Type: Report
System: The UNT Digital Library