Do lenders discriminate against low-income borrowers?

Summary and Conclusion The purpose of this paper is determine whether the use of a narrow geographic definitions of the market served by banks results in conclusions that are different from those found if a broader geographic definitions is used. Using ZIP code clusters for a sample of low-income applicants, we find results that are different from those when the traditional MSA sampling technique is used.     

Three eras of technology foresight

Technology has molded the industrial and information societies and will mold the molecular society of the future. The latter will encompass nanotechnology, biotechnology, and materials science. It will also lead to unprecedented convergence in the sciences and technologies. This discussion considers the unique impacts on technological forecasting and foresight accompanying each of the three societies.     

Community tourism development scenarios and their use in tourism research

Scenarios have been utilised to a limited degree in tourism and in a number of areas such as in development, sustainability studies, and political decision making. The use of scenarios has primarily concentrated on evaluating people's attitudes and decision processes, as predictions toward perceived future situations for tourism planning, and as a tool in exploratory research. In a recent study conducted in Eastern Australian coastal regions, a set of community tourism scenarios was developed in order to gauge the types of communities with tourism development, and thus explore in more depth the ideologies and platforms which may have influence on decision making in local government. The use of a community tourism scenario, such as developed in this study may have strong implications in broadening the way tourism and community researchers distinguish community attitudes toward present and future tourism development opportunities as well as their corresponding pressures. In addition, it may provide a positive tool for understanding perceived community directions as well as providing a mechanism for gauging planning decisions in a tourism context.