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Ebook The crystal forms of diamond and their significance
Submitted by puput on Mon, 07/27/2009 - 08:38The crystallography of diamond presents problems of peculiar interest and difficulty. The material as found is usually in the form of complete crystals bounded on all sides by their natural faces, but strangely enough, these faces generally exhibit a marked curvature. The diamonds found in the State of Panna in Central India, for example, are invariably of this kind. Other diamonds as for example a group of specimens recently acquired for our studies from Hyderabad (Deccan)show both plane and curved faces in combination. Even those diamonds which at first sight seem to resemble the standard forms of geometric crystallography, such as the rhombic dodecahedron or the octahedron, are found on scrutiny to exhibit features which preclude such an identification.
This is the case, for example, with the South African diamonds presented to us for the purpose of these studies by the De Beers Mining Corporation of Kimberley. From these facts it is evident that the crystallography of diamond stands in a class by itself apart from that of other substances and'needs to be approached from a distinctive standpoint. It is essential, at the very outset, to emphasise the point seemingly obvious but often overlooked-that a crystal which exhibits curved faces cannot properly be described in the usual terminology which is based on the existence of plane faces obeying the crystallographic law of rational indices. One of the most firmly established results of physics is the dependence of the physical properties of a crystalline solid on the symmetry of its structure of which the external form is an indication. There can be little doubt, therefore, that a study of the crystal forms of diamond, pursued from an appropriate standpoint, would prove most. helpful in understanding and interpreting the many remarkable properties of this substance. These considerations and'the availability of the material referred to above some 72 specimens in all encouraged us to undertake a critical examination of the subject.
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Ebook Distributing Prepaid Cards through Worker Centers: A Gateway to Asset Building for Low-Income Households
Submitted by wulan on Sat, 08/15/2009 - 02:20In today’s financial services marketplace, there is a dramatic mismatch between the consumer needs of low wage immigrant unbanked and underbanked populations and existing financial products and vendor strategies. Drawing upon both consumer and vendor data, this paper will explore the mismatch and detail the promise and challenges of a new strategy for delivering financial services on a prepaid debit card platform.
Despite their low incomes, immigrant workers in the United States today are managing to save and send money home at remarkable rates. In a survey of 480 workers recently conducted by the Center for Community Change and Community Financial Resources, while we found the median annual income to be just $15,600, the median monthly remittance was $293, and savings (after paying bills and sending money home) was $289. In effect, low wage immigrant workers are managing to set aside more than a third of their annual income. Yet, close to half of respondents were unbanked entirely, despite many being in possession of identification (birth certificates and matriculas) that could qualify them to open some type of bank account. In addition, many of those with bank accounts still regularly used check-cashing services and money orders. Clearly, mainstream financial institutions are not meeting the needs of low wage immigrants: they are not offering the right type of products, their services are perceived as too expensive, they are not convenient, and they are not culturally attuned.
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Ebook Journal of Organizational Culture, Communications and Conflict
Submitted by antoq on Mon, 01/19/2009 - 01:48Interpersonal and communication skills make or break your career success in the office of the future according to conclusions drawn fromresearch conducted by Office Team, an international staffing firm. Office Team reports that by 2005 technology’s transformation of the workforce will not only place a premium on technical competencies, but strong people skills will be needed (TMA Journal, 1999). Netzley (1999) comments that today’s graduates are heading into a dramatically different workplace.
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