Over the past two decades, inequality trends in the New York-New Jersey region have largely followed the nation's: among year-round, full-time workers, the earnings gap has widened about 50 percent.

This issue of Second District Highlights briefly examines several explanations that have been offered for the rise in unemployment in New York City from 1994 to 1997.

This paper tests whether consumer adoption of online banking is affected by the distance to one’s bank branch. During the last decade, rapid diffusion of the Internet has dramatically changed the ways consumers conduct every-day businesses. An important trend in the rapid increase of...

Synthesis of the precursors, using research grade materials and locally available facilities, is optimized in order to obtain a suitable sol for BaTiO3. The optimally synthesized BaTiO3 sol is then spun onto Cu substrates to obtain films of thickness ~0.5 μm. The deposited BaTiO3 films are...

Bayerite sol is spun onto single crystal Si substrate, after synthesis and optimization, to obtain films of thickness ~ 0.2 μm. The deposited films are room temperature dried and then heated up to a temperature of 350°C in order to obtain Al2O3. Surface and structural changes, during heating,...

Too much nitrogen (N) in surface water is harmful to aquatic life. Subsurface drains, some along with surface inlets, are commonly used for drainage of agricultural land in humid regions and contribute unknown N amounts to surface water. Quantification of relative amounts moving through...

The contribution of new technology to economic growth can only be realized when and if the new technology is widely diffused and used. Diffusion itself results from a series of individual decisions to begin using the new technology, decisions which are often the result of a comparison of the...

The contribution of new technology to economic growth can only be realized when and if the new technology is widely diffused and used. Diffusion itself results from a series of individual decisions to begin using the new technology, decisions which are often the result of a comparison of the...

This paper tests whether consumer adoption of online banking is affected by the distance to one's bank branch. During the last decade, rapid diffusion of the Internet has dramatically changed the ways consumers conduct every-day businesses. An important trend in the rapid increase of Internet...