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AbstractThis study investigates performance in the savings and loan (S&L) industry during the 1980s. Logistic regression is used to replicate the Benston (1985) study for the decade of the eighties. This study expands upon Benston's work by identifying the effects of new charters (1980 or later), and differing capital definitions (GAAP) versus RAP). The stability of the variables contributing to success or failure is also reviewed for the periods 1982–1985 and 1986–1989. The results of this study confirm the earlier findings of Benston. Net worth to total assets and return on total assets were negatively related to failure and were the only variables found to be significant in all analyses. Direct investments to total assets was not found to be significant. Further, newly chartered firms were found to be no more likely to fail than the other existing firms. There were no major differences in the statistical results when testing using the GAAP and RAP definitions of capital which suggests that regulatory changes in accounting rules did not have a major effect on firm survival.

In April 2019 the UK government reported that little progress had been made to remedy social outcomes inequality between Roma and the wider population, recommending further recognition of Roma, for example in census data, to enable identification of Roma, their needs, and how to meet those needs. In this article we present an account of one Roma woman's journey from hiding her identity to celebrating it. We expose five critical incidents that challenge and mould her sense of identity and career aspiration, with insights into her hopes and dreams as she reflects upon the barriers she faces and attempts to overcome. The narrative enhances understanding of the intersection of experience and ethnic identity formation, Marcella's (pseudonym) case study emerges verbatim through quotes; we do not alter or correct her English. In our exploration, we follow the six classical steps recommended in case study analysis (Yin, 2009) and ground some of the key analytical concepts in Goffman's theories of stigma (1963) and theatrical performances in everyday life. We conclude by identifying key parallels in her experience, relevant regardless of socioeconomic status to further debate on the nature of internalised shame, stigma, and class.

Governments are increasingly interested in estimating the prevalence of substance abuse with social indicators, largely because of the high cost of estimating prevalence with surveys of random samples of the population. With both the individual and county as the unit, we regress measures of the use of alcohol, marijuana, and other drugs on social indicators that fall into three categories: demographics, measures of social disorganization, and measures more directly related to the use of substances. The measures of explained variance are fairly low, but even more troubling is that the effects of several social indicators are in the "wrong" direction. Reliance on social indicator data to supplant survey estimates of the prevalence of substance abuse requires further validation, attention to sources of bias in the indicator data, and replication of the models over time.

This article reports on the development and evaluation of a mail survey measuring population attitudes toward substance use and potential receptivity of communities to different prevention efforts. The Community Readiness Survey was designed through a series of prevention practitioner and consultant meetings and focus groups. Psychometric evaluation revealed five distinct domains: perception of alcohol, tobacco, or other drug problem; support for prevention; permissive attitudes toward teen substance use; perception of adolescent access; and perception of community commitment. Evidence of construct validity was demonstrated by the small but significant relationships between selected scale scores and community readiness as evaluated by prevention planners.

In April 2019 the UK government reported that little progress had been made to remedy social outcomes inequality between Roma and the wider population, recommending further recognition of Roma, for example in census data, to enable identification of Roma, their needs, and how to meet those needs. In this article we present an account of one Roma woman's journey from hiding her identity to celebrating it. We expose five critical incidents that challenge and mould her sense of identity and career aspiration, with insights into her hopes and dreams as she reflects upon the barriers she faces and attempts to overcome. The narrative enhances understanding of the intersection of experience and ethnic identity formation, Marcella's (pseudonym) case study emerges verbatim through quotes; we do not alter or correct her English. In our exploration, we follow the six classical steps recommended in case study analysis (Yin, 2009) and ground some of the key analytical concepts in Goffman's theories of stigma (1963) and theatrical performances in everyday life. We conclude by identifying key parallels in her experience, relevant regardless of socioeconomic status to further debate on the nature of internalised shame, stigma, and class.

Draws on an experiment conducted in four education centers for nontraditional & low-performing secondary students in greater Minneapolis/St. Paul, MN, in 1996 to determine whether adolescents are more honest about sensitive self-disclosure in computerized or paper-&-pencil self-administrated questionnaires. Subjects (Ss)(N = 368 adolescents, age 12+) answered items about drug use, sexual activity, criminal behavior, self-harm, family substance abuse, domestic violence, & sexual abuse/violence via either computer or paper. Analysis finds that Ss using paper reported more of most behaviors/circumstances than did those on computers. This effect was complicated by a distance effect for computer users: those sitting very close to other students made the fewest reports. It is concluded that the lack of privacy available in most computer laboratories may cause adolescent survey Ss to underreport sensitive information. 2 Tables, 21 References. E. Blackwell