Miracle-dz/UniFAR-FTUs huggingface dataset:
Deposit Money Banks Activity of Availing Credit Facilities to Customers as a Form of Liability Creation

A b s t r a c t his article understudied the correlation between creations of bank facilities T to liability creation simpliﬁed as where deposit money banks generate liability with particular reference to availing various facilities to their qualiﬁed customers. How deposits banks create liability is often misunderstood and in one direction of thought. Every new loan that a bank makes creates new money. This has greatly been ignored by stakeholders. Instead, management of these banks have 80% relied on outright source of deposit with various targets set for their staﬀ. There is another dimension to that which is the creation of bank facilities. Research methodology was by ways of reviewing journals, books, accessing internet and personal observations. Findings showed that deposit money banks mostly concentrate on sourcing for raw deposits rather than lending out much of these deposits that are placed with them. The act of lending creates deposits. Most banks do not visualise this aspect as one of the sources of liability instead the sourcing of raw deposits directly from customers. This research work has shown that the principal way to survive is by these banks availing facilities. The reality of how money is created today diﬀers from the description found some years back. The study concludes that whenever a bank avails a facility, it simultaneously creates a matching deposit in the borrower's bank account and when interest and facility fees are charged, they are creating new money. The study recommends that as deposit money banks give credit facilities, the various fees charged on the facilities should have majority plunge as deposit for the banks instead of total disbursement as proﬁt shared.
An Approach for Implementing Online Analytical Processing Systems under Column-Family Databases

—The exponential growth of business data coming from heterogeneous sources imposes the use of new generations of database management systems and new data storage architectures. The major players in the big data market have turned to NoSQL (Not only SQL) technology, which provides a flexible data model and high scalability. In this paper, we investigate OLAP (Online Analytical Processing) implementation using columnar databases (a type of NoSQL system). We provide a set of formal transformation rules in order to map the multidimensional conceptual model to a target model that is suitable for the column-oriented model. Then, we propose two OLAP cube operators called MRC-Cube and SC-Cube, which allow to build the OLAP cube using the MapReduce paradigm and Spark respectively. We conduct an experimental comparison of their performance to analogous relational implementation using Oracle OLAP, we focus particularly on read latency metric under different experimental configurations. The obtained results show a clear difference when performing the OLAP cube building between the relational implementation and the columnar one.
imaging findings in 16 patients. Neurologic involvement in Behçet disease:

Behcet disease is a rare multisystem immune-related vasculitis that is prevalent in Japan, the Middle East, and many Mediterranean countries. In our study population of 36 patients with Behcet disease, 16 (44%) had CNS involvement. CT was noncontribu tory, except in a single patient with dural sinus thrombosis. MR imaging in nine patients showed foci of high signal intensity on T2-weighted images within the brainstem, the basal ganglia, and the cerebral hemispheres in that order of frequency. Unlike the plaques associated with multiple sclerosis, Behcet lesions show no predilection for the periventricular regions.
as a

Layers diets typically contain 15 – 20% soya due to its high crude protein content (ca. 36%). Reliance on soya for protein can result in large increases in cost of feed due to the law of supply and demand as a global commodity. Lupin grains have high protein content (35 – 40%) but previous experience with white lupins has shown toxic e ﬀ ects in poultry due to high levels alkaloids and poor performance due to anti-nutritional Non-starch polysaccharides (NSP). Here blue lupins either processed or whole were trialled for their potential as a protein source. Point of lay chickens (64) at 16 weeks of age were weighed and allocated to 16 coops of four hens. Coops, as the experimental unit, were randomly allocated to four treatments: layers mash with soya (Control); or layers mash with 150 g of lupin/kg diet with the lupin either: whole (Whole); dehulled (Dehulled) or dehulled + a solid state fermentation enzyme extract (SSF; 150 g/tonne DM). All diets were ground and formulated to be balanced for energy, crude protein and essential amino acids using NIRS. No di ﬀ erence in growth rate, ﬁ nal hen weight, DM and water intake, eggs per day, mean egg weight, yellowness of yolk or chroma was found between treatments. There was a trend (P<0.1) for the SSF treatment to produce less heavy shells and a signi ﬁ cant e ﬀ ect for the lupin treatments to have redder yolks (P<0.001). Fecal DM and bacterial counts were not di ﬀ erent and there was no sign of enteritis or intestinal tissue hyperplasia from hen autopsies. Inclusion of blue lupins in the diet of laying hens at a rate of 150 g/kg DM resulted in no adverse e ﬀ ects in production or hen health and could be used as part of a balanced ration with inclusion of NSP degrading enzymes to reduce reliance on soya protein.
NBER WORKING PAPER SERIES THE ECONOMIC CONSEQUENCES OF BEING DENIED AN ABORTION

This study was supported by research and institutional grants from the Wallace Alexander Gerbode Foundation, the David and Lucile Packard Foundation, The William and Flora Hewlett Foundation, and an anonymous foundation. The authors thank Jasmine Powell, Elizabeth Gonzalez, and Rana Barar for study coordination and management. Laura Wherry also gratefully acknowledges non-financial support from the California Center for Population Research at UCLA, which receives core support (R24-HD041022) from the Eunice Kennedy Shriver National Institute of Child Health and Human Development. The views expressed herein are those of the authors and do not necessarily reflect the views of the National Bureau of Economic Research.
Fertilization and competing vegetation suppression in loblolly pine forests

The effects of intensive annual fertilization (F) and competing vegetation suppression (H) were examined in a 2-way factorial experiment (i.e., control, F, H, FxH) in late-rotation loblolly pine stands at four locations in the state of Georgia, USA. Intensive annual fertilization was achieved through varying annual applications of N, P, K and periodic additions of micronutrients over approximately 20 years. Competing vegetation suppression was maintained for all non-pine vegetation with herbicides throughout the rotation. O-horizon (i.e., forest floor) and mineral soil (0-10 cm) analyses included measures of total O-horizon organic matter, C, and N, 0-10 cm soil pH, C, N, microbial biomass C and N, and surface CO2 efflux. Sample collections and analysis were conducted seasonally over the course of one year. Competing vegetation suppression was found to decrease total soil C, soil microbial biomass C and N, and soil surface CO2 efflux, while increasing O-horizon C:N. The fertilization treatment greatly reduced soil microbial biomass C and N, soil pH, and O horizon C:N, while increasing O-horizon mass, N content, and soil carbon. No significant interaction between treatments was found. Results indicate that these intensive management practices greatly alter the soil environment and soils microbial pools in late rotation loblolly pine.
of Listeria spp. in retail meat and dairy products in the area of Addis

Background: Listeriosis, a bacterial disease in humans and animals, is mostly caused by ingestion of Listeria monocytogenes via contaminated food and/or water, or by a zoonotic infection. Globally, listeriosis has in general a low incidence but a high case fatality rate. Objective: The objective of this study was to investigate the occurrence, antimicrobial proﬁles, and genetic relatedness of L. monocytogenes from raw meat and dairy products (raw milk, cottage cheese, cream cake), collected from the capital and ﬁve neighboring towns in Ethiopia. Methods: Two hundred forty food samples were purchased from July to December 2006 from food vendors, shops, and supermarkets, using a cross-sectional study design. L. monocytogenes were isolated and subjected to molecular serotyping. The genetic relatedness and antimicrobial susceptibility patterns were investigated using pulsed-ﬁeld gel electrophoresis (PFGE) and minimum inhibitory concentration determinations. Results: Of 240 food samples tested, 66 (27.5%) were positive for Listeria species. Of 59 viable isolates, 10 (4.1%) were L. monocytogenes. Nine were serotype 4b and one was 2b. Minimum inhibitory concentration determination and PFGE of the 10 L. monocytogenes isolates showed low occurrence of antimicrobial resistance among eight different PFGE types. Discussion and Conclusions: The ﬁndings in this study correspond to similar research undertaken in Ethiopia by detecting L. monocytogenes with similar prevalence rates. Public education is crucial as regards the nature of this organism and relevant prevention measures. Moreover, further research in clinical samples should be carried out to estimate the prevalence and carrier rate in humans, and future investigations on foodborne outbreaks must include L. monocytogenes
Quality of Service Routing

Link-State routing protocol come as an alternative to Distance Vector protocols. Open Shortest Path First is a Link-State Interior Gateway Protocol that is responsible for routing packets within an Autonomous System [Moy1998]. Link state routing protocols use a flooding mechanism to distribute the information about the state of the links of each node to all nodes in the network and apply the Dijkstra Shortest Path First algorithm to compute shortest paths to all destinations in the network.
Coupled patterns of variability of the wind and solar energy resources in Andalusia

Coupled patterns of variability of the wind and solar energy resources in Andalusia F. Santos-Alamillos, J.A. Ruiz-Arias, H. Alsamamra, V Lara-Fanego, D. Pozo-Vázquez and J. Tovar-Pescador Physics Department. University of Jaén.
Financial Resources and Internationalisation of SMEs in Lagos State, Nigeria

mall and medium scale enterprises (SMEs) gain several benefits through S internationalization, including improved competitiveness and acquisition of knowledge In Nigeria, many SMEs failed to expand their businesses internationally due to resources constraints mainly finance. This study examined the effects of financial resources on internationalization of SMEs in Lagos State, Nigeria. Few studies on internationalization did not examine the link between firm resources and internationalization of SMEs. This study examined the effects of financial resources on internationalization of SMEs in Lagos State, Nigeria. Survey research design was employed for the study. The population of the study consists of 354 SME exporters in Lagos State, Nigeria. Total enumeration method was used. A validated questionnaire with Cronbach's alpha reliability coefficients ranging from 0.79 to 0.86 was used for data collection. The response rate was 86.2%. Data were analyzed using descriptive and inferential statistics. The result of the study revealed that financial resources affected internationalization of SMEs in Lagos State, 2 Nigeria ( β = 0.458, t (342) = 8.804, R = 0.185 p <0.05). The study concluded that financial resources affected Internationalization of SMEs. It was recommended that government should support the financing of exporters to acquire equipment. The government should approve concessionary interest rate for bank finance for SMEs.
Visualization of Sensory Perception Descriptions

Visualization of Sensory Perception Descriptors is a topic in the field of Information Visualization. It is concentrated on the research and development of methods for analyses of data related with human modalities description. One possibility for investigating sensory perception descriptors is analyzing a great number of wine tasting notes. This thesis is concerned with the visualization of wine tasting notes in order to aid linguistic analyses. It strives to find proper visualizations that will give a better insight into the language used in wine tasting notes. Two main processes are described in the following report. First it sets out the process of researching of different methods of information visualization that led to the final approach for representing the data. A number of concepts for text analyses are discussed and the most useful of them are developed further. Several approaches for text visualization and statistical information are combined to build a system for tasting notes analyses. The second part of the report describes the process of developing a prototype that implements the represented approaches and gives an opportunity for real testing and conclusions. Acknowledgements I wish to express my gratitude to my supervisor, Prof. Dr. Andreas Kerren, for his continuous support through the whole period of working on my master thesis. His encouragement, guidance and responsiveness from the initial to the final level of the project enabled me to develop an understanding of the subject. He introduced me to Information Visualization and gave me the basic knowledge in this field. This thesis would not have been possible without his help and directions. I would like to thank to Carita Paradis for her collaboration and initiation in the application field. I am grateful for her opportune assistance and involvement in the process of my work and results. Note: In the report, the word " we " means Andreas Kerren, Carita Paradis and I. The word " I " means myself.
Health status and modeling of rural aged population of Kushtia District in Bangladesh

Aged population is an emerging issue in Bangladesh. It is a frightening problem of rural area in Bangladesh as well as a national problem. It has many socio-economic effects on national development. So, the aim of this study is to identify the determinants of health status of aged population in Kumarkhali Thana of Kushtia District in Bangladesh. Furthermore, an effort has been made here to fit mathematical model for aged population due to ages. For this, a total number of 250 rural aged populations have been interviewed through a structured questionnaire by purposive sampling technique. In this study, logistic regression model and polynomial model are applied. In logistic analysis, it is indicated that the respondent’s sex, type of family, occupation of the family head and suffering any diseases have significant effects for taking treatment on aged population. It is seen that age associated with aged population follow third degree polynomial model explaining more than 99% coefficient of determination. Key words: Aged population, socio-economic variables, logistic regression analysis, polynomial model, Bangladesh.
An Adaptive Video Streaming For The Best Possible Delivering Experience To Multiple Users In Wireless Networks

Efficient support of video streaming in a wireless network established by varied clients permits the users in the network area to define adaptively the quality level of the desired video segments. When the user asks the server to send a packet, the server should begin streaming in a low resolution to avoid latency, packet loss. etc. The paper will propose an effective scheme to evaluate and adjust the performance needed under realistic assumptions of network parameters for each user. It has two parts; the first part applies adaptive video streaming to multiple clients through the Rayleigh fading channel and the issue faced on the Quality of Service (QoS) of video being displayed and the overall system was built to measure the performance for each user and concluded that the video was clear but never match with the High Definition (HD) input provided. The second part is the simulation; Adjusting the performance needed for each user by applying the error correction for the adaptive streaming using Reed Solomon algorithms. The results are enhanced to achieve the required QoS in addition to the video streaming adaptation. These results conclude the better results for parameters of video streaming system such as latency, bit rate through Rayleigh channel, delay factor of adaptive streaming, and efficiency.
Applying Population Data in Educational Policy-Making for Nigeria's Development

A b s t r a c t olicy-making is applied in education towards guiding the system to P achieve sustainable goals. When educational policies are made without recourse to demographic data, then the result is educational maladministration with adverse effects on current and potential learners, as well as, on developmental activities. Moreover, there are long term implications for directing the course of education towards sustainable national development. It is, therefore, not a surprise that developed countries are careful in making sure that educational policies are guided by reliable and valued data. However, developing countries, Meanwhile, many emerging states, including Nigeria, are trailing developed countries in the use of demographic data for policy-making particularly in the human capital development. Therefore, the objective of the paper is to explore the Nigerian demographic context and the developmental benets achievable from applying data to educational policy-making. The paper adopts the theory of public choice with ex-post facto design and nds that policies on education are hardly based on data. The study revealed that educational policies have not delivered anticipated developmental goals. Furthermore, the study nds that public and private schools are established randomly without regard to urbanization trends. Moreover, education policy implementation has been ineffective in Nigeria because operational guidelines are unreliable. The paper recommends inclusive educational policy-making and implementation that incorporates population growth and urbanization towards providing equitable quality education - Sustainable Development Goal 4 (SDG-4).
2014 Female Athlete Triad Coalition Consensus Statement on Treatment and Return to Play of the Female Athlete Triad: 1st International Conference Held in San Francisco, CA, May 2012, and 2nd International Conference Held in Indianapolis, IN, May 2013

Abstract:The Female Athlete Triad is a medical condition often observed in physically active girls and women, and involves 3 components: (1) low energy availability with or without disordered eating, (2) menstrual dysfunction, and (3) low bone mineral density. Female athletes often present with 1 or more of the 3 Triad components, and an early intervention is essential to prevent its progression to serious endpoints that include clinical eating disorders, amenorrhea, and osteoporosis. This consensus statement represents a set of recommendations developed following the first (San Francisco, California) and second (Indianapolis, Indianna) International Symposia on the Female Athlete Triad. It is intended to provide clinical guidelines for physicians, athletic trainers, and other health care providers for the screening, diagnosis, and treatment of the Female Athlete Triad and to provide clear recommendations for return to play. The 2014 Female Athlete Triad Coalition Consensus Statement on Treatment and Return to Play of the Female Athlete Triad Expert Panel has proposed a risk stratification point system that takes into account magnitude of risk to assist the physician in decision-making regarding sport participation, clearance, and return to play. Guidelines are offered for clearance categories, management by a multidisciplinary team, and implementation of treatment contracts. This consensus paper has been endorsed by The Female Athlete Triad Coalition, an International Consortium of leading Triad researchers, physicians, and other health care professionals, the American College of Sports Medicine, the American Medical Society for Sports Medicine, and the American Bone Health Alliance.
Driven Few-shot Panoptic Segmentation

This paper presents CLIP Driven Few-shot Panoptic Segmentation (CLIP-FPS), a novel few-shot panoptic segmentation model that leverages the knowledge of Contrastive Language-Image Pre-training (CLIP) model. The proposed method builds upon a center indexing attention mechanism to facilitate knowledge transfer, which entails representing objects in an image as centers along with their pixel offsets. The model comprises a decoder responsible for generating object center-offset groups and a self-attention module tasked with producing a feature attention map. Subsequently, the object centers index the map to acquire the corresponding embeddings, paving the way for matrix multiplication and SoftMax operation to facilitate text embedding matching and the computation of the final panoptic segmentation masks. Quantitative evaluation on datasets such as COCO and Cityscapes shows that our method outperforms existing panoptic segmentation techniques in terms of Panoptic Quality (PQ) metrics.
Multiple linear regression model for total bed material load prediction

A new total bed material load equation that is applicable for rivers in Malaysia was developed using multiple linear regression analyses. A total of 346 hydraulic and sediment data were collected from nine natural and channelized rivers having diverse catchment characteristics in Malaysia. The governing parameters were carefully selected based on literature survey and field experiments, examined and grouped into five categories namely mobility, transport, sediment, shape, and flow resistance parameters. The most influential parameters from each group were selected by using all possible regression model method. The suitable model selection criteria namely the R-square, adjusted R-square, mean square error, and Mallow's Cp statistics were employed. The accuracy of the derived model is determined using the discrepancy ratio, which is a ratio of the calculated values to the measured values. The best performing models that give the highest percentage of prediction from the validation data were chosen. In general, the newly derived model is best suited for rivers with uniform sediment size distribution with a d50 value within the range of 0.37-4.0 mm and performs better than the commonly used Graf, Yang, and Ackers-White total bed material load equations.
Security and Terrorism Challenges in Nigeria: Causes, Consequences and the Way Forward

errorism is currently a foremost challenge in Nigeria. Due to the T prevalence of the act of terrorism in Nigeria, numerous numbers of people have lost their lives on daily basis. Despite the fact that government and the security agents claim to be on top of the matter, insecurity still persists. From all indications, the government as well as the security agent seems to be incapable of effectively securing the lives and properties of the citizenry from terrorists. The central focus of this paper is to examine security in the face of increasing incidence of terrorism in Nigeria by looking at the causes, consequences and the way forward. The paper used library science method and collected data purely from secondary materials. The paper found that amongst the causes of terrorism and security challenges are high rate of unemployment, prevalence of poverty, religious intolerance and partisan politics. These consequently resulted into not achieving macroeconomic objectives such as increase in economic growth as expected. The paper therefore suggested accountable and quality leaders, improved governance and service delivery; training of Nigerian police on tactic to contain terrorist, improvement in the warfare of the police ofcers, creation of employment for the populated teaming youth's as well as reduction in polity corruption.