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“El primer y principal ramo”: An Examination of the Status of Education in Mexican Era New Mexico
No full textBuy Now, Pay Dearly Later?: Minimizing Consumer Harm Under New Mexico’s Small Loan Regulations
No full textAmerican consumers are carrying record-breaking credit card debt. As prices remain high and wages remain stagnant, short-term borrowing is common practice for many and unavoidable for some. Meanwhile, borrowing has never been easier. Several years ago, few consumers could imagine the widespread availability of “zero-interest, no-credit-impact” lending. Now, consumers can quickly obtain these pay-in-four “Buy Now, Pay Later” (BNPL) loans to purchase just about anything. The BNPL companies offering these loans market themselves as the smart shopping credit alternative for responsible budget management, and Millennial and Generation Z shoppers have rapidly embraced this new lending option. Yet, BNPL companies insufficiently disclose the risks and negative financial consequences of their unsecured loans. And corrective federal oversight is unlikely. As a result, younger consumers of color are more likely to be on the wrong end of a bad deal, particularly in New Mexico where younger consumers struggle with some of the lowest wages and highest unemployment rates in the nation. This economic reality, combined with an uptick in BNPL lending for everyday purchases, creates a seemingly untenable situation. Although New Mexico has express regulatory power over BNPL companies, its laws do not address BNPL-specific concerns that, if left unaddressed, will lead to long-lasting financial harm for vulnerable consumers. This Comment argues that New Mexico regulators have broad authority to act—and must act—under existing state law to strengthen BNPL company oversight and begin addressing these concerns. Swift government action, paired with a long-term solution, is the only way to ensure that vulnerable New Mexico consumers get the fair credit deal that they need
Brown Bag Meeting with Dr. Markéta Křížová
No full textThursday, February 20, 2025 | 12:00 pm
Latin American and Iberian Institute (801 Yale Blvd NE)
801 Yale Blvd NE (campus building #165)
About:
We are pleased to welcome Markéta Křížová, Professor of Ibero-American Studies and former Vice-Dean of International Relations at Charles University in Prague, who will be visiting the LAII on February 13-21, 2025. Her research focuses on Early Modern intellectual history, European overseas expansion, colonial history, and cultural encounters. Prof. Křížová is the co-author of the EU-funded project Colonial Legacies of Universities: Materialities and New Collaborations, which explores these themes in collaboration with the Centro de Investigaciones y Estudios Superiores en Antropología Social (CIESAS) in Mexico and other international partners. During her visit, she is eager to connect with UNM faculty and students who share similar research interests, to share insights from her new project and invite discussion.
Join us for an informal brown bag conversation with her on Thursday, February 20, at 12:00 p.m. in the LAII Conference Room—bring your lunch! Light refreshments will be provided. For more information, please contact Lenny A. Ureña Valerio at [email protected].
Professor Křížová holds an M.A. in Ethnology and History and a Ph.D. in Ibero-American Studies from Charles University, where she has been a faculty member in the Department of Ibero-American Studies since 2002. Prof. Křížová is the author of numerous scholarly articles and monographs, including Central Europe and the Non-European World in the Long 19th Century (edited with Jitka Malečková, Berlin: Frank & Timme, 2022) and Alois Richard Nykl: Present-Day Mexico (edited with Dagmar Winklerová, Prague: National Museum, 2019). She is currently working on her research project, “Enrique Stanko Vráz between America and Habsburg Austria: Cultural Translations and Collective Identity Making,” supported by a grant from the Botstiber Institute for Austrian-American Studies.
Notes:
This event is free and open to the public.https://digitalrepository.unm.edu/laii_events/1443/thumbnail.jp
Hybrid SuperHyperSoft Model for Evaluation of Comprehensive Transportation Efficiency: Analysis and Results
No full textIn this research, we investigate the features of comprehensive transportation efficiency assessment. Optimizing the energy-saving and efficient comprehensive transportation structure is essential to further lowering logistics costs. We evaluate the transportation efficiency using the decision making model based on a set of criteria and alternatives. We used two methods. named BWM and MABAC methods. The BWM is used to compute the criteria weights and the MABAC method is used to rank the alternatives. These methods are used under the neutrosophic set to solve the uncertainty information. These methods are used with SuperHyperSoft to treat various criteria and sub criteria by using a set of sets. Eight criteria and nine alternatives are used in this study. The sensitivity analysis shows the proposed approach rank in stable under different cases. The comparative analysis shows the proposed approach is effective compared to other methods
2023/2024 CAS Speech Pathology MS Assessment
No full texthttps://digitalrepository.unm.edu/provost_assessment/4396/thumbnail.jp
Neutrosophic Z-Number and HyperSoft for Integrated Energy Supply System Performance Inference of Solar Energy and Cogenerations
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Modest Insights from Grammar to Growth: A Neutrosophic Numbers Model for Measuring English Teaching Outcomes in University Contexts in a Preliminary Approach
No full textINSTABILITY-DRIVEN PHASE SEPARATION FOR QUANTUM STRUCTURE FORMATION IN III-V SEMICONDUCTORS
No full textHigh temperature phase instability limits the performance of III-V zinc blende semiconductor devices. A technique using an encapsulant and sacrificial layer is developed to reduce thermal degradation by group V sublimation during thermal processing of InGaAs/GaAs structures. This technique is successful in preventing As sublimation and preserving an atomically smooth surface required for surface-sensitive characterization. The degradation of the GaAsSb/InP interface by phase separation is studied. Significant interdiffusion and intermixing occurs due to the formation of a molten InSb at the interface. The intermixing is driven by phase separation and melting of the InSb interfacial layer that enhances atomic mobility. Externally applied stress by SiNx is used to adjust the strain within the GaAsSb epilayer from compressive to tensile during high-temperature annealing. A critical biaxial strain appears to exist that strongly affects the morphology of the phase separated regions, while slowing down the degradation kinetics
WHAT IS A NATION? COLONIAL LEGACIES, IDENTITY, AND RECLAIMING IN MÉTISSE AUTOBIOGRAPHICAL NARRATIVES – A CASE STUDY OF SUGAR AND SLATE AND GARÇON MANQUÉ
No full textThis thesis examines the question of national belonging in autobiographical narratives of second-generation immigrant métisse women. I study the similar aesthetic manner in which individuals with different regional and cultural influences grapple with concepts of identity, gender, racism, exile, and negotiation, and the way in which the authors anchor themselves in a broader familial and national heritage. I argue that such an enterprise can be understood as part of the alternative heritage wave, based on Andrew Higson’s theory. The texts put in question traditional understandings of nation. Doing so opens the possibility of engaging in a dialogue that expands the meaning of nation as a term including broader cultural, linguistic, and historical comprehension of communal connection embracing all the historical realities of a given nation