Zur verteilungsfreien Ableitung der Streuung von Regressionskoeffizienten ohne Voraussetzung der Nullhypothese

Ohne Zusammenfassung     

The long-term unemployed,informal economic activity and the ‘underclass’ in Belfast: rejecting or reinstating the work ethic

The notion of an ‘underclass’ existing outside the realm of mainstream society continues to hold sway among journalists and policy-makers. While there are many new contenders for inclusion among the underclass, one of the most enduring group of participants is the long-term unemployed. Work-shy individuals, seemingly content to live on welfare benefits, are regarded as placing themselves outside the boundaries of mainstream economic and social life and passing a host of negative characteristics on to their children. The possibility that some of this group might defraud the welfare benefit system through working while claiming benefits adds further weight to negative images about the characteristics of ‘underclass’ members. The aim of this paper is to challenge some of these common assumptions by examining the ways in which unemployed people in an economically depressed locality in West Belfast relied on informal economic activity to help meet their material needs. Such activity has implications for the underclass debate because, rather than demonstrating commitment to some alternative set of values, informal economic activity drew participants into the wider economy and demonstrated adherence to mainstream values. Moreover, often the debate on social security abuse focuses on the supply side of the issue and is remarkably silent about the demand side of the equation. ‘Doing-the-double’ (working while claiming benefits) was not simply an individual response to unemployment and inadequate welfare benefits but was linked to changes in the labour needs of employers in the wider economy.     

Food and nutrition policy in Malta

Food and nutrition policy in Malta was officially endorsed by Government in the late 1980s. The urgency stemmed from the increasingly preoccupying health situation of the Maltese population characterized by the higher rates of cardiovascular diseases and neoplasms. Although a small island in the central Mediterranean, Malta does not have a diet that is characteristic of the rest of the Mediterranean region. The main aim of this paper is to outline the main characteristics of Maltese food consumption and the constraints encountered in the process of implementing the food and nutrition policy. The final section provides some recommendations that could also be considered in other Mediterranean countries that are in the process of designing or implementing similar policies. On the eve of the 21st century and in light of Malta's eventual accession in the European Union, several fundamental measures still need to be introduced and enforced, the most important being those concerning food safety and quality.     

Factors that influence the length of industrial channels

This article is concerned with the length of channels utilized to market industrial products. Several marketing scholars have proposed that the appropriate channel structure is a function of conditions associated with the market for the product, the nature of the product itself, and characteristics of the producer and middlemen. By means of a survey of industrial product manufacturers, this study identified six characteristics of middlemen, industrial markets, and industrial customers that appear to be significant influences on the length of channels used to distribute industrial products.     

Spark innovation through empathic design

Companies are used to bringing in customers to participate in focus groups, usability laboratories, and market research surveys in order to help in the development of new products and services. And for improving products that customers know well, those tools are highly sophisticated. For example, knowledgeable customers are adept at identifying the specific scent of leather they expect in a luxury vehicle or at helping to tune the sound of a motorcycle engine to just the timbre that evokes feelings of power. But to go beyond improvements to the familiar, companies need to identify and meet needs that customers may not yet recognize. To accomplish that task, a set of techniques called empathic design can help. Rather than bring the customers to the company, empathic design calls for company representatives to watch customers using products and services in the context of their own environments. By doing so, managers can often identify unexpected uses for their products, just as the product manager of a cooking oil did when he observed a neighbor spraying the oil on the blades of a lawn mower to reduce grass buildup. They can also uncover problems that customers don't mention in surveys, as the president of Nissan Design did when he watched a couple struggling to remove the backseat of a competitor's minivan in order to transport a couch. The five-step process Dorothy Leonard and Jeffrey Rayport describe in detail is a relatively low-cost, low-risk way to identify customer needs, and it has the potential to redirect a company's existing technological capabilities toward entirely new businesses.     

Clueing in customers

Leonard L. Berry and Neeli Bendapudi When customers lack the expertise to judge a company's offerings, they naturally turn detective, scrutinizing people, facilities, and processes for evidence of quality. The Mayo Clinic understands this and carefully manages that evidence to convey a simple, consistent message: The needs of the patient come first. From the way it hires and trains employees to the way it designs its facilities and approaches its care, the Mayo Clinic provides patients and their families concrete evidence of its strengths and values, an approach that has allowed it to build what is arguably the most powerful brand in health care. Marketing professors Leonard Berry and Neeli Bendapudi conducted a five-month study of evidence management at the Mayo Clinic. They interviewed more than 1,000 patients and employees, observed hundreds of doctor visits, traveled in the Mayo helicopter, and stayed in the organization's many hospitals. Their experiences led them to identify best practices applicable to just about any company, in particular those that sell intangible or technically complex products. Essentially, the authors say, companies need to determine what story they want to tell, then ensure that their employees and facilities consistently show customers evidence of that story. At Mayo, the evidence falls into three categories: people, collaboration, and tangibles. The clinic systematically hires people who espouse its values, and its incentive and reward systems promote collaborative care focused on the patient's needs. The physical environment is explicitly designed for its intended effect on the patient experience. In almost every interaction, an organization's message comes through. "Patients first," the Mayo Clinic's message, is not the only story a medical organization could tell, but the way in which Mayo manages evidence to communicate this message is an example to be followed.     

The Effect of Pricing on Demand and Revenue in Federal Reserve ACH Payment Processing

Because the automated clearinghouse (ACH) has been found to have lower social costs than paper checks, the Federal Reserve has been promoting more widespread use of ACH by lowering ACH processing fees. In this paper, we have obtained the first numerical estimates of ACH demand elasticities, a measure of the responsiveness of ACH demand to price changes. Various methods are employed to estimate the demand elasticities to determine how robust the estimates are. During the period 1985–1996, the Federal Reserve lowered the per-item price of interregional ACH, while the per-item price of intraregional ACH stayed constant. We take advantage of this unique pattern of historical price changes implemented by the Federal Reserve to estimate the effect of price changes on demand for ACH.We find that the volume of ACH processed by the Federal Reserve responds to changes in per-item fees, but the increase in volume that results from a price decline is very small and not statistically significantly different from 0, except in the case of debit origination. The results suggest that the Federal Reserve cannot expect to generate substantial additional volume by lowering its prices further. However, commercial banks may be able to increase the volume demanded by lowering their own ACH fees. We also examine how volume growth initiated by a price cut affects unit costs. Given the relatively large-scale economies found for ACH, volume growth leads to lower unit costs. However, to outweigh the revenues lost as a result of a price decline, ACH volume would have to increase by an amount much greater than our estimates indicate is likely. Consequently, a decline in per-item ACH fees likely would lead to lower net revenues.     

Moving from the lab to the field: Exploring scrutiny and duration effects in lab experiments

The most important issue facing experimental economists is the generalizability of lab results. This letter examines more than 1200 doctor/patient consultations, in which scrutiny and duration of treatment were varied. We show that scrutiny has an important but short-lived effect.