William R. Emmons

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C ooperative financial institutions have their roots in 19th century Europe, appearing first in the United States during the early 20th century. Cooperative financial institutions are ubiquitous in both developed and developing countries today, posing something of a puzzle in the former group of countries where one might have expected corporate financial(More)
Credit unions are regulated and insured depository financial institutions dedicated to the saving, credit, and other basic financial needs of selected groups of consumers.1 Previous research has tended to suggest that credit unions operate inefficiently. In particular, given widely dispersed ownership and—in the case of employerbased or occupational credit(More)
Over the last few decades, the co-operativebanking sector in Germany has steadily increased its market share at the expense ofother types ofbanks. This outcome is surprising from the standpoint oftraditional economic thinking about co-operatives, which suggests that they are most appropriate for “backward” economies. We develop a model ofco-operative banks(More)
  • W Emmons
  • The American journal of medicine
  • 1997
Antibodies to human immunodeficiency virus (HIV) can be detected in oral fluid with great accuracy, due to technical advances in both the collection of oral samples and assays. Reported sensitivities of 97.2-100% and specificities of 97.7-100% compare well with those of serum-based assays and qualify oral fluid for the screening and diagnosis of HIV(More)
Rhodococcus equi is an aerobic, intracellular, gram-positive rod-coccus that is partially acid fast. The organism is primarily a pathogen in animals and has only rarely been seen in immunocompromised humans. Its most common manifestation is a slowly progressive pneumonia that may cavitate. Infections are thought to be acquired via respiratory exposure to(More)
R ecently released data from the Federal Reserve’s Survey of Consumer Finances (SCF) reveal that many young families suffered proportionately larger financial losses during the housing market downturn and accompanying recession than did middle-aged and older families. The average level of wealth in 2010 for young families (i.e., headed by someone younger(More)