Automotive flock and its significance in forensic fibre examinations

The interiors of fifty eight vehicles were examined and samples were taken. All vehicles had samples of flocked material in their interiors. Flocked material was found on the window channels, window frames, door edges and in glove compartments or central console compartments. The majority of flock fibres used in the vehicles examined were carbon black pigmented polyester or nylon. A variety of dyed nylon fibres were also used in the vehicles. The discrimination power of dyed flock fibres used in the interior of vehicles was found to be 0.974. The front seats of these vehicles were examined for loose flock fibres. All vehicles had flock fibres present on the front seats. In the majority of vehicles, flock originating from material in the vehicle's interior was present on the front seats of the vehicle. The number of flock fibres present on the front seats varied greatly from car to car but did not appear to be dependant on the type of seat fabric or on which areas in the car were flocked.     

Aligning National Bank Priorities with the Public Interest: National Benefit Banks and a New Stakeholder Approach

Banks have particular characteristics that set them apart from other business entities, including being more highly leveraged, benefiting from government safety nets, and generating massive negative externalities when they fail. These attributes mean that in addition to shareholder interests, bank directors should be allowed to carefully consider the interests of nonshareholders, such as creditors, taxpayers, and the overall economy, when making decisions. While directors of banks in states that have enacted constituency statutes may be allowed to consider nonshareholder interests, no federal act expressly allows directors of federally chartered banks to consider such interests. Moreover, to date, thirty‐seven states have enacted legislation to allow for the formation of public benefit corporations that require directors to consider the interests of nonshareholders. No federal law provides a clear path for federally chartered banks to do this. This article proposes dual federal legislation that would (1) enable directors of all federally chartered banks to expressly consider nonshareholder constituents when making decisions and (2) allow for the formation of national benefit banks that would require directors to consider nonshareholder interests in their decision‐making.     

Introducing the Elephant in the Room: Power

“The ideal of fully absent power is not only impossible to achieve; it is even hard to envision. We are all the products of power relations and exercise power by our very presence in the world.” — Jane Mansbridge, 2009     

The impact of real Estate Market knowledge on tenure choice: A comparison of black and white households

Abstract

Homeownership is an important social and financial achievement for most U.S. households. Various explanations have been offered for the large and persistent gap in the ownership rates of black and white households, but studies have consistently fallen short of identifying all of the causes.

The data we used were derived from a survey of the residents of the Columbus, OH, area. We argue that differences in real estate market knowledge and information affect the tenure choice decisions of black and white households. We estimate a model that is augmented to include a measure of real estate knowledge and find that additional knowledge increases the likelihood of homeownership. This holds even when we account for the endogeneity of such knowledge. We conclude that differences in real estate knowledge contribute to explaining the racial gap in homeownership rates, a finding that can be addressed through public policy interventions such as counseling programs.     

Peace,retrenchment and reform: The British radicals before 1914

Jennifer Loach: Parliament under the Tudors (Clarendon Press, Oxford, 1991; pp. viii, 172; ISBN 0–19–873091–8; £8.95 pbk)

T.E. Hartley: Elizabeth's Parliaments: Queen, Lords and Commons, 1559–1601 (Manchester University Press, 1992; pp. ii, 184; ISBN 0–7190–3216–4; £35.00)

Parliament and Liberty from the reign of Elizabeth to the English civil war. edited by J.H. Hexter (Stanford University Press, 1992; pp. xi, 333; ISBN 0–8047–1949–7; $39.50)