Much of the literature on pricing commercial mortgages and commercial mortgage-backed securities has assumed homogeneity in prepayment penalty structure. This study provides evidence that such an assumption is inappropriate and examines the effect of penalty structures observed in actual...

Ammonia fiber expansion (AFEX) combined with white rot fungi treatment of three lignocellulose to improve enzymatic saccharification. In this study, lignocellulose was treated with only Pleurotus ostreatus , only AFEX, and combined with two methods to research the degradation rate of lignin and...