What Have Banks Done Wrong?

This paper aims to provide a conceptual framework to examine competitive disadvantage of banks that suffer from poor performance. Banks generate revenues mainly from the interest rate spread on taking deposits and making loans while collecting fees in the process. To maximize firm value, banks seek loan growth and expense control while managing risk associated with loans with respect to non-performing borrowers or narrowing interest spread between assets and liabilities. Competitive disadvantage refers to the failure to access imitable resources and to build managing capabilities to gain sustainable return given appropriate risk management. This paper proposes a four-quadrant framework of organizational typology is subsequently proposed to examine the features of competitive disadvantage in the banking sector. A resource configuration model, which is extracted from CAMEL indicators to examine the underlying features of bank failures.

Improved Torque Control of Electrical Load Simulator with Parameters and State Estimation

ELS is an important ground based hardware in the loop simulator used for aerodynamics torque loading experiments of the actuators under test. This work focuses on improvement of the transient response of torque controller with parameters uncertainty of Electrical Load Simulator (ELS).The parameters of load simulator are estimated online and the model is updated, eliminating the model error and improving the steady state torque tracking response of torque controller. To improve the Transient control performance the gain of robust term of SMC is updated online using fuzzy logic system based on the amount of uncertainty in parameters of load simulator. The states of load simulator which cannot be measured directly are estimated using luenberger observer with update of new estimated parameters. The stability of the control scheme is verified using Lyapunov theorem. The validity of proposed control scheme is verified using simulations.

Isolation and Identification of an Acetobacter Strain from Iranian White-Red Cherry with High Acetic Acid Productivity as a Potential Strain for Cherry Vinegar Production in Foodand Agriculture Biotechnology

According to FDA (Food and Drug Administration of the United States), vinegar is definedas a sour liquid containing at least 4 grams acetic acid in 100 cubic centimeter (4% solution of acetic acid) of solution that is produced from sugary materials by alcoholic fermentation. In the base of microbial starters, vinegars could be contained of more than 50 types of volatile and aromatic substances that responsible for their sweet taste and smelling. Recently the vinegar industry has a great proportion in agriculture, food and microbial biotechnology. The acetic acid bacteria are from the family Acetobacteraceae. Regarding to the latest version of Bergy-s Mannual of Systematic Bacteriology that has categorized bacteria in the base of their 16s RNA differences, the most important acetic acid genera are included Acetobacter (genus I), Gluconacetobacter (genus VIII) and Gluconobacter (genus IX). The genus Acetobacter that is primarily used in vinegar manufacturing plants is a gram negative, obligate aerobe coccus or rod shaped bacterium with the size 0.6 - 0.8 X 1.0 - 4.0 μm, nonmotile or motile with peritrichous flagella and catalase positive – oxidase negative biochemically. Some strains are overoxidizer that could convert acetic acid to carbon dioxide and water.In this research one Acetobacter native strain with high acetic acid productivity was isolated from Iranian white – red cherry. We used two specific culture media include Carr medium [yeast extract, 3%; ethanol, 2% (v/v); bromocresol green, 0.002%; agar, 2% and distilled water, 1000 ml], Frateur medium [yeast extract, 10 g/l; CaCO3, 20 g/l; ethanol, 20 g/l; agar, 20 g/l and distilled water, 1000 ml] and an industrial culture medium. In addition to high acetic acid production and high growth rate, this strain had a good tolerance against ethanol concentration that was examined using modified Carr media with 5%, 7% and 9% ethanol concentrations. While the industrial strains of acetic acid bacteria grow in the thermal range of 28 – 30 °C, this strain was adapted for growth in 34 – 36 °C after 96 hours incubation period. These dramatic characteristics suggest a potential biotechnological strain in production of cherry vinegar with a sweet smell and different nutritional properties in comparison to recent vinegar types. The lack of growth after 24, 48 and 72 hours incubation at 34 – 36 °C and the growth after 96 hours indicates a good and fast thermal flexibility of this strain as a significant characteristic of biotechnological and industrial strains.

High-Speed Train Planning in France, Lessons from Mediterranean TGV-Line

To fight against the economic crisis, French Government, like many others in Europe, has decided to give a boost to high-speed line projects. This paper explores the implementation and decision-making process in TGV projects, their evolutions, especially since the Mediterranean TGV-line. This project was probably the most controversial, but paradoxically represents today a huge success for all the actors involved. What kind of lessons we can learn from this experience? How to evaluate the impact of this project on TGV-line planning? How can we characterize this implementation and decision-making process regards to the sustainability challenges? The construction of Mediterranean TGV-line was the occasion to make several innovations: to introduce more dialog into the decisionmaking process, to take into account the environment, to introduce a new project management and technological innovations. That-s why this project appears today as an example in terms of integration of sustainable development. In this paper we examine the different kinds of innovations developed in this project, by using concepts from sociology of innovation to understand how these solutions emerged in a controversial situation. Then we analyze the lessons which were drawn from this decision-making process (in the immediacy and a posteriori) and the way in which procedures evolved: creation of new tools and devices (public consultation, project management...). Finally we try to highlight the impact of this evolution on TGV projects governance. In particular, new methods of implementation and financing involve a reconfiguration of the system of actors. The aim of this paper is to define the impact of this reconfiguration on negotiations between stakeholders.

Application of the Data Distribution Service for Flexible Manufacturing Automation

This paper discusses the applicability of the Data Distribution Service (DDS) for the development of automated and modular manufacturing systems which require a flexible and robust communication infrastructure. DDS is an emergent standard for datacentric publish/subscribe middleware systems that provides an infrastructure for platform-independent many-to-many communication. It particularly addresses the needs of real-time systems that require deterministic data transfer, have low memory footprints and high robustness requirements. After an overview of the standard, several aspects of DDS are related to current challenges for the development of modern manufacturing systems with distributed architectures. Finally, an example application is presented based on a modular active fixturing system to illustrate the described aspects.

Comanche – A Compiler-Driven I/O Management System

Most scientific programs have large input and output data sets that require out-of-core programming or use virtual memory management (VMM). Out-of-core programming is very error-prone and tedious; as a result, it is generally avoided. However, in many instance, VMM is not an effective approach because it often results in substantial performance reduction. In contrast, compiler driven I/O management will allow a program-s data sets to be retrieved in parts, called blocks or tiles. Comanche (COmpiler MANaged caCHE) is a compiler combined with a user level runtime system that can be used to replace standard VMM for out-of-core programs. We describe Comanche and demonstrate on a number of representative problems that it substantially out-performs VMM. Significantly our system does not require any special services from the operating system and does not require modification of the operating system kernel.

Entropy Based Spatial Design: A Genetic Algorithm Approach (Case Study)

We study the spatial design of experiment and we want to select a most informative subset, having prespecified size, from a set of correlated random variables. The problem arises in many applied domains, such as meteorology, environmental statistics, and statistical geology. In these applications, observations can be collected at different locations and possibly at different times. In spatial design, when the design region and the set of interest are discrete then the covariance matrix completely describe any objective function and our goal is to choose a feasible design that minimizes the resulting uncertainty. The problem is recast as that of maximizing the determinant of the covariance matrix of the chosen subset. This problem is NP-hard. For using these designs in computer experiments, in many cases, the design space is very large and it's not possible to calculate the exact optimal solution. Heuristic optimization methods can discover efficient experiment designs in situations where traditional designs cannot be applied, exchange methods are ineffective and exact solution not possible. We developed a GA algorithm to take advantage of the exploratory power of this algorithm. The successful application of this method is demonstrated in large design space. We consider a real case of design of experiment. In our problem, design space is very large and for solving the problem, we used proposed GA algorithm.

Design and Construction of Microcontroller-Based Telephone Exchange System

This paper demonstrates design and construction of microcontroller-based telephone exchange system and the aims of this paper is to study telecommunication, connection with PIC16F877A and DTMF MT8870D. In microcontroller system, PIC 16F877 microcontroller is used to control the call processing. Dial tone, busy tone and ring tone are provided during call progress. Instead of using ready made tone generator IC, oscillator based tone generator is used. The results of this telephone exchange system are perfect for homes and small businesses needing the extensions. It requires the phone operation control system, the analog interface circuit and the switching circuit. This exchange design will contain eight channels. It is the best low cost, good quality telephone exchange for today-s telecommunication needs. It offers the features available in much more expensive PBX units without using high-priced phones. It is for long distance telephone services.

A New Recognition Scheme for Machine- Printed Arabic Texts based on Neural Networks

This paper presents a new approach to tackle the problem of recognizing machine-printed Arabic texts. Because of the difficulty of recognizing cursive Arabic words, the text has to be normalized and segmented to be ready for the recognition stage. The new scheme for recognizing Arabic characters depends on multiple parallel neural networks classifier. The classifier has two phases. The first phase categories the input character into one of eight groups. The second phase classifies the character into one of the Arabic character classes in the group. The system achieved high recognition rate.

Layered Multiple Description Coding For Robust Video Transmission Over Wireless Ad-Hoc Networks

This paper presents a video transmission system using layered multiple description (coding (MDC) and multi-path transport for reliable video communications in wireless ad-hoc networks. The proposed MDC extends a quality-scalable H.264/AVC video coding algorithm to generate two independent descriptions. The two descriptions are transmitted over different paths to a receiver in order to alleviate the effect of unstable channel conditions of wireless adhoc networks. If one description is lost due to transmission erros, then the correctly received description is used to estimate the lost information of the corrupted description. The proposed MD coder maintains an adequate video quality as long as both description are not simultaneously lost. Simulation results show that the proposed MD coding combined with multi-path transport system is largely immune to packet losses, and therefore, can be a promising solution for robust video communications over wireless ad-hoc networks.

Numerical Calculation of Coils Filled With Bianisotropic Media

Recently, bianisotropic media again received increasing importance in electromagnetic theory because of advances in material science which enable the manufacturing of complex bianisotropic materials. By using Maxwell's equations and corresponding boundary conditions, the electromagnetic field distribution in bianisotropic solenoid coils is determined and the influence of the bianisotropic behaviour of coil to the impedance and Q-factor is considered. Bianisotropic media are the largest class of linear media which is able to describe the macroscopic material properties of artificial dielectrics, artificial magnetics, artificial chiral materials, left-handed materials, metamaterials, and other composite materials. Several special cases of coils, filled with complex substance, have been analyzed. Results obtained by using the analytical approach are compared with values calculated by numerical methods, especially by our new hybrid EEM/BEM method and FEM.

Efficient Supplies to Assembly Areas from Storage Stages

Guaranteeing the availability of the required parts at the scheduled time represents a key logistical challenge. This is especially important when several parts are required together. This article describes a tool that supports the positioning in the area of conflict between low stock costs and a high service level for a consumer.

Damping of Power System Oscillations by using coordinated tuning of POD and PSS with STATCOM

Static synchronous compensator (STATCOM) is a shunt connected voltage source converter (VSC), which can affect rapid control of reactive flow in the transmission line by controlling the generated a.c. voltage. The main aim of the paper is to design a power system installed with a Static synchronous compensator (STATCOM) and demonstrates the application of the linearised Phillips-heffron model in analyzing the damping effect of the STATCOM to improve power system oscillation stability. The proposed PI controller is designed to coordinate two control inputs: Voltage of the injection bus and capacitor voltage of the STATCOM, to improve the Dynamic stability of a SMIB system .The power oscillations damping (POD) control and power system stabilizer (PSS) and their coordinated action with proposed controllers are tested. The simulation result shows that the proposed damping controllers provide satisfactory performance in terms of improvements of dynamic stability of the system.

GridNtru: High Performance PKCS

Cryptographic algorithms play a crucial role in the information society by providing protection from unauthorized access to sensitive data. It is clear that information technology will become increasingly pervasive, Hence we can expect the emergence of ubiquitous or pervasive computing, ambient intelligence. These new environments and applications will present new security challenges, and there is no doubt that cryptographic algorithms and protocols will form a part of the solution. The efficiency of a public key cryptosystem is mainly measured in computational overheads, key size and bandwidth. In particular the RSA algorithm is used in many applications for providing the security. Although the security of RSA is beyond doubt, the evolution in computing power has caused a growth in the necessary key length. The fact that most chips on smart cards can-t process key extending 1024 bit shows that there is need for alternative. NTRU is such an alternative and it is a collection of mathematical algorithm based on manipulating lists of very small integers and polynomials. This allows NTRU to high speeds with the use of minimal computing power. NTRU (Nth degree Truncated Polynomial Ring Unit) is the first secure public key cryptosystem not based on factorization or discrete logarithm problem. This means that given sufficient computational resources and time, an adversary, should not be able to break the key. The multi-party communication and requirement of optimal resource utilization necessitated the need for the present day demand of applications that need security enforcement technique .and can be enhanced with high-end computing. This has promoted us to develop high-performance NTRU schemes using approaches such as the use of high-end computing hardware. Peer-to-peer (P2P) or enterprise grids are proven as one of the approaches for developing high-end computing systems. By utilizing them one can improve the performance of NTRU through parallel execution. In this paper we propose and develop an application for NTRU using enterprise grid middleware called Alchemi. An analysis and comparison of its performance for various text files is presented.

Admission Control Approaches in the IMS Presence Service

In this research, we propose a weighted class based queuing (WCBQ) mechanism to provide class differentiation and to reduce the load for the IMS (IP Multimedia Subsystem) presence server (PS). The tasks of admission controller for the PS are demonstrated. Analysis and simulation models are developed to quantify the performance of WCBQ scheme. An optimized dropping time frame has been developed based on which some of the preexisting messages are dropped from the PS-buffer. Cost functions are developed and simulation comparison has been performed with FCFS (First Come First Served) scheme. The results show that the PS benefits significantly from the proposed queuing and dropping algorithm (WCBQ) during heavy traffic.

Verification of On-Line Vehicle Collision Avoidance Warning System using DSRC

Many accidents were happened because of fast driving, habitual working overtime or tired spirit. This paper presents a solution of remote warning for vehicles collision avoidance using vehicular communication. The development system integrates dedicated short range communication (DSRC) and global position system (GPS) with embedded system into a powerful remote warning system. To transmit the vehicular information and broadcast vehicle position; DSRC communication technology is adopt as the bridge. The proposed system is divided into two parts of the positioning andvehicular units in a vehicle. The positioning unit is used to provide the position and heading information from GPS module, and furthermore the vehicular unit is used to receive the break, throttle, and othersignals via controller area network (CAN) interface connected to each mechanism. The mobile hardware are built with an embedded system using X86 processor in Linux system. A vehicle is communicated with other vehicles via DSRC in non-addressed protocol with wireless access in vehicular environments (WAVE) short message protocol. From the position data and vehicular information, this paper provided a conflict detection algorithm to do time separation and remote warning with error bubble consideration. And the warning information is on-line displayed in the screen. This system is able to enhance driver assistance service and realize critical safety by using vehicular information from the neighbor vehicles.KeywordsDedicated short range communication, GPS, Control area network, Collision avoidance warning system.

Regional Stability Analysis of Rotor-Ball Bearing and Rotor- Roller Bearing Systems Considering Switching Phenomena

In this study the regional stability of a rotor system which is supported on rolling bearings with radial clearance is studied. The rotor is assumed to be rigid. Due to radial clearance of bearings and dynamic configuration of system, each rolling elements of bearings has the possibility to be in contact with both of the races (under compression) or lose its contact. As a result, this change in dynamic of the system makes it to be known as switching system which is a type of Hybrid systems. In this investigation by adopting Multiple Lyapunov Function theorem and using Hamiltonian function as a candidate Lyapunov function, the stability of the system is studied. The purpose of this study is to inspect the regional stability of rotor-roller bearing and rotor-ball bearing systems.

Traffic Load based Performance Analysis of DSR and STAR Routing Protocol

The wireless adhoc network is comprised of wireless node which can move freely and are connected among themselves without central infrastructure. Due to the limited transmission range of wireless interfaces, in most cases communication has to be relayed over intermediate nodes. Thus, in such multihop network each node (also called router) is independent, self-reliant and capable to route the messages over the dynamic network topology. Various protocols are reported in this field and it is very difficult to decide the best one. A key issue in deciding which type of routing protocol is best for adhoc networks is the communication overhead incurred by the protocol. In this paper STAR a table driven and DSR on demand protocols based on IEEE 802.11 are analyzed for their performance on different performance measuring metrics versus varying traffic CBR load using QualNet 5.0.2 network simulator.

Quality of Groundwater in the Shallow Aquifers of a Paddy Dominated Agricultural River Basin, Kerala, India

Groundwater is an essential and vital component of our life support system. The groundwater resources are being utilized for drinking, irrigation and industrial purposes. There is growing concern on deterioration of groundwater quality due to geogenic and anthropogenic activities. Groundwater, being a fragile must be carefully managed to maintain its purity within standard limits. So, quality assessment and management are to be carried out hand-in-hand to have a pollution free environment and for a sustainable use. In order to assess the quality for consumption by human beings and for use in agriculture, the groundwater from the shallow aquifers (dug well) in the Palakkad and Chittur taluks of Bharathapuzha river basin - a paddy dominated agricultural basin (order=8th; L= 209 Km; Area = 6186 Km2), Kerala, India, has been selected. The water samples (n= 120) collected for various seasons, viz., monsoon-MON (August, 2005), postmonsoon-POM (December, 2005) and premonsoon-PRM (April, 2006), were analyzed for important physico-chemical attributes. Spatial and temporal variation of attributes do exist in the study area, and based on major cations and anions, different hydrochemical facies have been identified. Using Gibbs'diagram, rock dominance has been identified as the mechanism controlling groundwater chemistry. Further, the suitability of water for irrigation was determined by analyzing salinity hazard indicated by sodium adsorption ratio (SAR), residual sodium carbonate (RSC) and sodium percent (%Na). Finally, stress zones in the study area were delineated using Arc GIS spatial analysis and various management options were recommended to restore the ecosystem.

The CEO Mission II, Rescue Robot with Multi-Joint Mechanical Arm

This paper presents design features of a rescue robot, named CEO Mission II. Its body is designed to be the track wheel type with double front flippers for climbing over the collapse and the rough terrain. With 125 cm. long, 5-joint mechanical arm installed on the robot body, it is deployed not only for surveillance from the top view but also easier and faster access to the victims to get their vital signs. Two cameras and sensors for searching vital signs are set up at the tip of the multi-joint mechanical arm. The third camera is at the back of the robot for driving control. Hardware and software of the system, which controls and monitors the rescue robot, are explained. The control system is used for controlling the robot locomotion, the 5-joint mechanical arm, and for turning on/off devices. The monitoring system gathers all information from 7 distance sensors, IR temperature sensors, 3 CCD cameras, voice sensor, robot wheels encoders, yawn/pitch/roll angle sensors, laser range finder and 8 spare A/D inputs. All sensors and controlling data are communicated with a remote control station via IEEE 802.11b Wi-Fi. The audio and video data are compressed and sent via another IEEE 802.11g Wi-Fi transmitter for getting real-time response. At remote control station site, the robot locomotion and the mechanical arm are controlled by joystick. Moreover, the user-friendly GUI control program is developed based on the clicking and dragging method to easily control the movement of the arm. Robot traveling map is plotted from computing the information of wheel encoders and the yawn/pitch data. 2D Obstacle map is plotted from data of the laser range finder. The concept and design of this robot can be adapted to suit many other applications. As the Best Technique awardee from Thailand Rescue Robot Championship 2006, all testing results are satisfied.