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For agricultural bankers, agribusiness managers, and salespeople, understanding customers and their preferences and behaviors is crucial to success. The two goals of this paper are first to identify today's distinct market segments for financial products for US crop and livestock commercial producers, and second to predict segment membership based on observable characteristics.

Cluster analysis was used to identify four distinct buyer segments for the purchase of financial products and services by US crop and livestock commercial producers. A multinomial logit model was used to predict segment membership based on demographic, behavioral, and business management factors.

Although, traditionally, the financial services industry has segmented the market for commercial producers based primarily on sales/size categories; this research shows that this factor is not a significant predictor of behavior. Instead, this paper proposes a segmentation based on buying behaviors and identify four distinct market segments for financial products and services for US crop and livestock commercial producers: balance, price, convenience, and service. The balance segment being by far the largest segment.

Although the sample size means is representative of the US ag population, it may or may not be representative of the customers of a regional lender. Readers who are lenders are therefore advised to apply this methodology to their customer database and use the results of the paper as a quality check or benchmarking exercise. The findings also raise a number of issues, which require further research, such as how to implement a targeted marketing plan when there is one dominant segment and two other distinct segments.

Lenders need to reconsider their market segmentation methodology.

While there has been some research on market segments for retail financial markets, apparently there has been no work on market segments for agricultural financial products. This study exploits a unique dataset of 2,575 responses to Purdue's Large Commercial Producer Survey and the 2008 survey is the first time the survey included a series of detailed questions on how producers choose a financial service provider. This paper's findings will benefit agricultural bankers and agribusinesses that offer financing to their customers.

This issue is a selected bibliography covering the subject of leadership.

The Bureau of Economics in the Federal Trade Commission has a three-part role in the Agency and the strength of its functions changed over time depending on the preferences and ideology of the FTC’s leaders, developments in the field of economics, and the tenor of the times. The over-riding current role is to provide well considered, unbiased economic advice regarding antitrust and consumer protection law enforcement cases to the legal staff and the Commission. The second role, which long ago was primary, is to provide reports on investigations of various industries to the public and public officials. This role was more recently called research or “policy R&D”. A third role is to advocate for competition and markets both domestically and internationally. As a practical matter, the provision of economic advice to the FTC and to the legal staff has required that the economists wear “two hats,” helping the legal staff investigate cases and provide evidence to support law enforcement cases while also providing advice to the legal bureaus and to the Commission on which cases to pursue (thus providing “a second set of eyes” to evaluate cases). There is sometimes a tension in those functions because building a case is not the same as evaluating a case. Economists and the Bureau of Economics have provided such services to the FTC for over 100 years proving that a sub-organization can survive while playing roles that sometimes conflict. Such a life is not, however, always easy or fun.

THE fact that an English librarian was asked to describe the work of British municipal libraries, to audiences in Antwerp and Brussels, may be taken as a certain indication that a change is impending in the library world of Belgium. At the invitation of M. Frans Gittens, city librarian, Antwerp, acting on behalf of the Foundation for the Permanent Endowment of the Communal Library and Plantin‐Moretus Museum, and M. Paul Otlet, secretary‐general of the International Institute of Bibliography, Brussels, I had the honour and pleasure of lecturing on English library work and conditions to representative audiences greatly interested in the subject. This, it is understood, is the first time an English librarian has been invited to lecture on such a subject on any part of the Continent, and I certainly felt it a great honour and privilege to be thus selected for such a congenial task. The language difficulty was luckily no great bar, as most of my audiences, both Flemish and French, understood English quite well. In addition, the International Institute of Bibliography had printed a translation of the lecture, as No. 92 of its publications, and this was issued as a twenty‐two page pamphlet entitled Les Bibliothèques municipales en Angleterre, and distributed at Brussels. At Antwerp the programme also contained translations of the titles and remarks about the lantern slides, so that everything was made easy for one who has always deplored his inability to acquire the art of speaking foreign languages. As a further instance of the care and thoughtfulness exercised to provide for my comfort, I should acknowledge the kindness of M. Eugeen Everaerts, town librarian of Ostend, who, on representations from his colleague at Antwerp, met the steamer and passed me and my “projections” through the Custom House without trouble. There is no doubt that our Belgian friends have the knack of making strangers feel thoroughly at home. I am not likely to forget the kindness and hospitality of M. W. von Mallinckrodt, chairman of the Permanent Endowment Commission at Antwerp, who, with his charming wife, invited me to a lunch at which some of the chief residents were present, including Sir Cecil Hertslet, H.B.M. Consul‐General; Mr. Diedrich, the American Consul‐General; M. Henri Hymans, chief librarian of the Royal Library at Brussels; M. Max Rooses, of the Plantin Museum; M. Frans Gittens, with some members of his staff; and other gentlemen connected with the city and municipality of Antwerp. The same kindly hospitality was extended by M. Gittens, of Antwerp, and M. Otlet, at Brussels, and everything was done by all with whom I came in contact to make me feel at ease and nothing of a stranger. In fact it is impossible for anyone who has read Scott, Brontë and Conscience to feel like a stranger in Belgium. The lecture at Antwerp was given in the large and finely decorated hall of the Cercle Royal Artistique, Littéraire et Scientifique d'Anvers, a kind of general Arts Club combining the functions of places like the London Institution with those of an ordinary social club. The hall was capable of seating 1,000 persons, and was rather beyond my poor powers as an elocutionist. About 600 people attended, of whom a large number understood English, and my lecture, luckily for my audience, largely pictorial, was very well received. There was no preliminary introduction of any kind, and my “turn” came on after a concert had been about half heard. The following programme will give an idea of the kind of mixed entertainment which brought out 600 people on a snowy winter's afternoon:—

Although it is widely acknowledged that health care delivery systems are complex adaptive systems, there are gaps in understanding the application of systems engineering approaches to systems analysis and redesign in the health care domain. Commonly employed methods, such as statistical analysis of risk factors and outcomes, are simply not adequate to robustly characterize all system requirements and facilitate reliable design of complex care delivery systems. This is especially apparent in institutional-level systems, such as patient safety programs that must mitigate the risk of infections and other complications that can occur in virtually any setting providing direct and indirect patient care. The case example presented here illustrates the application of various system engineering methods to identify requirements and intervention candidates for a critical patient safety problem known as failure to rescue. Detailed descriptions of the analysis methods and their application are presented along with specific analysis artifacts related to the failure to rescue case study. Given the prevalence of complex systems in health care, this practical and effective approach provides an important example of how systems engineering methods can effectively address the shortcomings in current health care analysis and design, where complex systems are increasingly prevalent.

The actual uses to which public art is put have been virtually ignored, leaving multifarious dynamics related to its esthetic encounters unexplored. Both audience agency in placemaking and sensemaking and the agentic role of place as more than a mere platform or stage dressing for transformation are routinely neglected. Such transformative dynamics are analyzed and interpreted in this study of the Derry–Londonderry Temple, a transient mega-installation orchestrated by bricoleur artist David Best and co-created by sectarian communities in 2015.

A range of ethnographic methods and supplemental netnography were employed in the investigation.

Participants inscribed expressions of their lived experience of trauma on the Temple's infrastructure, on wood scrap remnants or on personal artifacts dedicated for interment. These inscriptions and artifacts became objects of contemplation for all participants to consider and appreciate during visitation, affording sectarian citizens opportunity for empathic response to the plight of opposite numbers. Thousands engaged with the installation over the course of a week, registering sorrow, humility and awe in their interactions, experiencing powerful catharsis and creating temporary cross-community comity. The installation and the grief work animating it were introjected by co-creators as a virtual legacy of the engagement.

The originality of the study lies in its theorizing of the successful delivery of social systems therapy in an esthetic modality to communities traditionally hostile to one another. This sustained encounter is defined as traumaturgy. The sacrificial ritual of participatory public art becomes the medium through which temporary cross-community cohesion is achieved.

The ability for learners to interact online via their avatars in a 3-D simulation space means that virtual worlds afford a host of educational opportunities not offered by other learning technology platforms, but their use also raises several pertinent issues that warrant consideration. This chapter reviews the educational use of virtual worlds from a design perspective. Virtual-world definitions are explored, along with their key educational characteristics. Different virtual-world environments are briefly contrasted, including Second Life, Active Worlds, Open Sim, and Minecraft. A wide variety of virtual-world uses in schools and universities are examined so as to understand their versatility. Key educational benefits of virtual worlds are distilled from the literature, such as the ability to facilitate 3-D simulations, role-plays, construction tasks, and immersive learning. Emergent issues surrounding the use of virtual worlds are also analyzed, including cognitive load, safety, and representational fidelity. One higher education and one school level vignette are provided in order to offer more detailed insight into the use of virtual worlds in practice. Recommendations for learning design and implementation are presented, based on the thematic analysis of contemporary virtual-worlds research.

From earliest times the land and all it produced to feed and sustain those who dwelt on it was mankind's greatest asset. From the Biblical “land of milk and honey”, down through history to the “country of farmers” visualised by the American colonists when they severed the links with the mother country, those who had all their needs met by the land were blessed — they still are! The inevitable change brought about by the fast‐growing populations caused them to turn to industry; Britain introduced the “machine age” to the world; the USA the concept of mass production — and the troubles and problems of man increased to the present chaos of to‐day. There remained areas which depended on an agri‐economy — the granary countries, as the vast open spaces of pre‐War Russia; now the great plains of North America, to supply grain for the bread of the peoples of the dense industrial conurbations, which no longer produced anything like enough to feed themselves.