This dissertation investigates whether U.S. commercial banks substitute fee-based income for the decreases in net interest income brought about by a flattening term structure of interest rates. Given the current economic climate, the fee-based activity of interest is asset securitization, though...

The number of nursing home admissions for working age people (age 18-64) in the USA has increased. Minimal attention has been given to examining their participation in the admission decision. We use a conceptual framework proposed by Ong and colleagues to examine patient and provider predictors...

Energy conservation may occur because of either economic constraints or voluntary changes in values and lifestyle, with quite different social welfare implications. We examine the determinants of summer electricity use in single-family dwellings. Income and household size strongly affect energy...

Business networks, formal arrangements between independent businesses established to enhance member success, are generally accepted as an important strategy to help small businesses survive and prosper, and to promote regional economic development. However, knowledge about what contributes to...

Business networks (co-operative arrangements between independent business organizations) may be the signature organizational form of the contemporary global economy. Many policy-makers and local leaders advocate business network membership as an alternative development strategy for regional...