Successful home ownership requires the availability of appropriate mortgage products. In the years leading up to the collapse of the housing market, home buyers frequently accepted mortgages that were not only wrong for them but catastrophic for the economy as a whole. When the housing market bubble burst, so did a cornerstone of the American dream for many families. Restoring the promise of this dream requires an unflinching inspection of lending institutions and the right tools to repair the structures that support solid home purchases. The American Mortgage System: Crisis and Reform focuses on the causes of the housing market collapse and proposes solutions to prevent another rash of foreclosures. Edited by two leaders in the field of real estate and finance, Susan M. Wachter and Marvin M. Smith, The American Mortgage System examines key elements of the mortgage meltdown. The volume's contributors address the influence of the Community Reinvestment Act, which is often blamed for the crisis. They uncover how the government-sponsored enterprises Fannie Mae and Freddie Mac invested outside the housing market with disastrous results. They present surprising information about low-income borrowers and the strengths of local banks. This collection of thoughtful studies includes extensive analysis of loan practices and the creation of unstable mortgage securities, presenting data largely unavailable until now. More than a critique, The American Mortgage System offers solutions to the problems facing the future of American home ownership, including identifying asset price bubbles, calculating risk, and preventing discrimination in lending. Measured yet timely and by turns provocative, The American Mortgage System provides a careful assessment of a troubled but indispensable part of the economic and social structure of the United States. This book is a sound investment for economists, urban planners, and all who shape public policy.

Modern aircraft manufacturing involves drilling and countersinking hundreds of thousands to millions of holes. Doing this work by hand accounts for 65% of the cost of airframe assembly, 85% of the quality issues, and 80% of the lost time due to injuries. Automated drilling and countersinking replaces traditional hand methods and involves using numeric control machinery to drill and countersink a finished hole “one shot” (drilling a finished hole without using pilot holes or tool changes). This is a proven cost reducing technology that improves quality where it has been applied successfully. The focus of this book is on automating the process of drilling and countersinking holes during airframe manufacturing. Since this is the area of greatest return on investment for airframe producers, the book provides a stepped approach for evaluating possible areas for applying automation and a detailed description of the process for choosing, acquiring, and transitioning the right machinery for success. It also provides a vision for a 10- to 15-year future state of airframe manufacture. Readers will use the information to: • Understand the evolution of automated/mechanized drilling and countersinking airframes. • Access decision models and matrices to help evaluate the feasibility of applying automation/mechanization to any airframe. • Gain access to a step-by-step procedure to select the right piece of machinery. • Learn the necessary processes for testing and transitioning machinery to production. • Assess and acquire data to evaluate the effect of the process. • Choose and train the right individuals to manage and run the machinery. • Conduct cost benefit analysis models. • Make recommendations for maintenance and spares. • Address socio-economic factors to reconfigure a facility from hand to automated activities. No other book provides such detailed technical, economic, and social information about automating the single largest contributor to airframe cost.

Animals show a natural tendency to explore novel, as opposed to familiar, stimuli, suggesting an underlying memory process in regard to previously encoded information. Dependent on this tendency, spontaneous object exploration paradigms have been developed in animals to measure memory processes regarding what an object is, where an object is located, when an object is present, the association of an object and its location, in which context an object is shown and an episodic context of the combined “what-where-when” components. These paradigms feature in the absence of extensive training and reward or aversive incentives, analogous to incidental encoding of daily memory. The application of these object exploration tests is broad and covers many fields, such as behavioral neuroscience, psychopharmacology and the neurobiology of recognition memory across species. The medial prefrontal cortex, parietal cortex and medial temporal lobe (the hippocampus, entorhinal cortex, perirhinal cortex and parahippocampal cortex) are the main neuroanatomical structures that are considered to underlie recognition memory. However, the retrosplenial cortex, insular cortex, anterior thalamus, nucleus reuniens of thalamus, striatum and amygdala are also considered to play a part. As well, recent findings also indicate that the lateral hypothalamus, interpeduncular nucleus and cerebellum contribute to recognition memory under certain conditions. Neurotransmitter systems actively mediate and orchestrate the neuronal communication between these structures during the processing of learning and memory. An entire picture of the neuroanatomy and neurobiology of recognition memory will, however, require multidisciplinary approaches of imaging, lesion, pharmacology, optogenetics, chemogenetics and behavioral studies. Recognition memory deficits are also major symptoms in multiple neuropsychiatric and neurodegenerative disorders, such as schizophrenia, attention-deficit hyperactivity disorder, depressive disorder, bipolar disorder, autism spectrum disorder, Parkinson’s disease, dementia and Alzheimer’s disease. Although the etiology of the shared memory deficits is not fully understood, it may be associated with environmental, pharmacological and genetic factors that are commonly exposed to these disorders. Spontaneous object exploration paradigms with minimal involvement of emotional valences are appropriate in the study of neuropsychiatric and neurodegenerative disorders as these disorders may sensitize one to emotional stimuli, leading to a deficit in recognition memory. Given the impact of these disorders and their memory deficits on our society there is a strong need to understand the underlying mechanisms and development of innovative pharmaceuticals and gene therapeutics.

Ideal text for undergraduate and graduate students in advanced cell biology courses Extraordinary technological advances in the last century have fundamentally altered the way we ask questions about biology, and undergraduate and graduate students must have the necessary tools to investigate the world of the cell. The ideal text for students in advanced cell biology courses, Lewin's CELLS, Third Edition continues to offer a comprehensive, rigorous overview of the structure, organization, growth, regulation, movements, and interactions of cells, with an emphasis on eukaryotic cells. The text provides students with a solid grounding in the concepts and mechanisms underlying cell structure and function, and will leave them with a firm foundation in cell biology as well as a "big picture" view of the world of the cell. Revised and updated to reflect the most recent research in cell biology, Lewin's CELLS, Third Edition includes expanded chapters on Nuclear Structure and Transport, Chromatin and Chromosomes, Apoptosis, Principles of Cell Signaling, The Extracellular Matrix and Cell Adhesion, Plant Cell Biology, and more. All-new design features and a chapter-by-chapter emphasis on key concepts enhance pedagogy and emphasize retention and application of new skills. Thorough, accessible, and essential, Lewin's CELLS, Third Edition, turns a new and sharper lens on the fundamental units of life

Virtual reality is a powerful emerging technology using advanced computing techniques to create perceptual illusions that transcend ordinary human experiences. This interdisciplinary text explains fundamentals and industry insights from engineering to psychology, enabling students, researchers, and developers to contribute to this growing field.