- 5 Elk Court, Pacifica CA 94044
- 650-808-5539
- I work in applied neuroscience as a commercial scientist and manager. Current projects include the assessment and acceleration of task, skills and academic learning among elite athletes, soldiers and corporate executives.edit
Research Interests:
Research Interests: Technology, Speech perception, Science, Phonological processing, Positron Emission Tomography, and 16 moreDyslexia, Language Impairment, Language disorders, Speech Processing, Language Learning, Humans, Auditory Processing, Attention Deficit Disorder, Neuronal Plasticity, Neural plasticity, Learning Disorders, Neuronal Activity, Temporal Integration, Nervous System, Remedial Teaching, and Magnetic resonance image
Over the past ten years, commercial lending has been transformed from a one-off, bilateral “market” in which issuers maintained one or more separate banking relationships into a capital market in which one or more underwriters structure... more
Over the past ten years, commercial lending has been transformed from a one-off, bilateral “market” in which issuers maintained one or more separate banking relationships into a capital market in which one or more underwriters structure and price loans for syndication to groups of investors. This market-driven evolution has been most dramatic in the leveraged lending segment (defined as loans priced at LIBOR plus 150 basis points or more), where wide margins have attracted a large and growing field of underwriters, intermediaries, and investors.Liquidity is the overriding theme in today's syndicated loan market, making the market a more user-friendly one for corporate borrowers and deal sponsors. As a result, a record number of corporate issuers are taking advantage of the syndicated loan market to finance strategic transactions or simply to reduce their borrowing costs. Deal sponsors, too, are tapping the market to finance leveraged buyouts, recapitalizations, and acquisitions at a pace not seen since the late 1980s. But, although acquisition pricing has reached cash flow multiples that recall those of the late '80s, equity contributions by sponsors are larger and credit structures are more conservative.For banks and other investors, reduced loan pricing and more flexible credit structures have been balanced by much greater access to a large volume of diversified assets, as well as the ability to manage asset-specific and portfolio risk more effectively. As a result of more effective portfolio management strategies, lenders today are less vulnerable to credit problems with individual issuers or a given industry segment, and the bank market as a whole should be much less subject to disruption than it proved to be in the early 1990s.
Research Interests:
Epidemiological surveys have reported that somewhere between 3 and 10 percent of preschool children exhibit some form of developmental speech or language disorder that cannot be attributed to a known cause such as hearing impairment,... more
Epidemiological surveys have reported that somewhere between 3 and 10 percent of preschool children exhibit some form of developmental speech or language disorder that cannot be attributed to a known cause such as hearing impairment, general mental retardation, or frank ...