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The Impact of CCAR Participation on Bank Profitability
No full textThis study examines the impact of the Comprehensive Capital Analysis and Review (CCAR) program on bank profitability, focusing on three key metrics: Return on Assets (ROA), Return on Equity (ROE), and Net Profit Margin (NPM). Using annual data from U.S. banks between 2011 and 2023, the analysis employs regression models with year-fixed and bank-fixed effects to isolate the effects of CCAR participation. The findings reveal a marginally significant negative impact on ROA and a statistically significant negative effect on ROE, suggesting that compliance requirements constrain equity-level profitability. In contrast, the impact on NPM is not statistically significant, providing limited evidence of cost efficiency strain directly attributable to CCAR. These results highlight the complex trade-offs between regulatory oversight and financial performance. By identifying specific profitability challenges posed by CCAR, this study offers actionable insights for policymakers aiming to balance regulatory rigor with operational efficiency and for bank managers seeking strategies to mitigate compliance costs while sustaining financial performance. The findings contribute to a broader understanding of how regulatory frameworks shape bank performance and provide a foundation for further research on optimizing regulatory policies
Fixation: seeing oneself
No full textIn these kiln-formed glass pieces, I aim to actualize how fixation breaks apart who a person is. For me, the face is the center of knowing another person, and the most confusing part of my own body. Society has formed generations of people who believe we know how we look and are wrong. The permeation of mirrors and cameras in society, along with social media saying how one should look has led to inset longings to change appearance, or at least, a level of unhappiness in how one looks. Every morning, I get ready in front of a mirror, skipping past the whole and fixating on features. I see it down to the pores and hairs, in a mirror that I have been led to believe is me. By taking live molds of my face, I was able to present it as it is, and not how I see it in my mirror, while also disjointing the pieces to represent how the parts of the face are separated in my brain, even though they truthfully are one. The face can never survive as parts, because it exists as a whole. I wanted to question how society has disjointed the whole, by evoking how one sees themself in a mirror- the main way we have come to understand how we look, and in a way, who we are. How does a personal study of one\u27s face and skin impact what the pieces come together to form? Is it possible for society to work together, after so many wrong turns, with technological advances to ever show what we look like to other people, as a person, a self, a soul, a face, or a body? And if it does, will we finally feel beautiful then
The American Party Polarization Dilemma: What\u27s Next for America
No full textIn this continuation of the work I undertook during my Senior Seminar, I delve into the mechanisms and inner workings of the contemporary Republican party, seeking to enlighten viewers of my work with a sense of where electoral politics will be heading in the next decade. By examining critical swing seats in the Midwest, I try to uncover what really is driving electoral strategy within the Republican party. This work is key for understanding not only the American polarization dilemma but also furthering the finding of my previous work: that the Republican party is rapidly shifting in the direction of being “Trump’s party”. The findings of this work will be critical for future political scientists who seek to predict coming electoral trends. By taking the mask off a variety of variables, such as: redistricting, gerrymandering, demographic changes, geographic changes, and many of the numerous other factors involved, we will be able to predict electoral strategy and possibly even electoral outcomes for years to come. By the end of this work, viewers of my work will come to have a clearer understanding of what\u27s coming next in the American political landscape
The Role of Social Support in Stress Reduction Among Nursing Students: A Literature Review
No full textNursing students experience higher levels of stressors compared to other students. The biggest stressors for nursing students include preparation for class, clinical, and exams. Clinical experiences are often in highly stressful environments. Nursing students’ mental health can be negatively affected and may contribute negative outcomes such as attrition and suicidal ideation. Coping strategies of nursing students may counteract stressors. One important form of coping is social support. Nursing students need social support from others that addresses the stress experienced in school. Social support is a positive variable that may assist in decreasing stress, depression, and burnout. It is very closely correlated with positive health outcomes, both psychological and physiological, in healthcare workers who experience high stress. It is necessary to give support to nursing students from the start of their education to decrease negative outcomes associated with high stress and assist them in developing effective coping strategies they can carry forward in their careers. Coping strategies and support can decrease burnout in the healthcare setting and improve resilience of nurses. We are conducting a review of the literature surrounding the topic of social support and its influence on student nurses. Little is known about the influence on nursing students’ mental, academic, or physical health impacts from social support. Using the PRISMA technique for this literature search, we are examining research findings on social support and nursing students and its effect on their learning and mental health, if any. Our review is currently in process
Spectroscopy and Image Analysis of Celestial Bodies Using Mathematica and ImageJ
No full textBuilding upon previous work, this project focuses on utilizing Mathematica and ImageJ for spectroscopy and image analysis of various celestial objects, including stars, planets, and potentially nebulae and comets. By capturing and processing spectral data, we aim to analyze the composition, motion, and physical properties of these objects. This project serves as a hands-on opportunity for students to develop computational and analytical skills relevant to spectroscopy, which are highly applicable to fields such as materials science and engineering, astronomy, astrophysics, etc. We will employ image processing techniques to enhance spectral data and explore how computational tools can improve the accuracy and efficiency of spectral analysis. Our work will involve capturing spectral images, calibrating data, and applying mathematical models to interpret results, checking our results with RSPEC software. Through this approach, we’ll gain experience in data acquisition, image processing, coding, and quantitative analysis
