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already been subject to prepayment. Typically, newer mortgages prepay at a slower rate than more seasoned ones, and prepayment rates are expected to slow for pools that have already incurred heavy prepayments. These relationships can and do change over time, however. Exhibit 6.2 illustrates the effect of burnout, using two securities. The FHR 1899 SB is a security derived from an 8% pass-through with a weighted average coupon of 8.504% and a weighted average maturity (as of June 1999) of 317 months. The FNR 1992-137 S is a security derived from an 8% pass-through with a weighted average coupon of 8.579% and a weighted average maturity of 262 months. Without taking burnout into account, one would expect the FNR 1992-137 S to prepay faster, because the average coupon is 7.5 basis points higher, meaning that the mortgagees in the FNR 1992-137 S pool will have a greater incentive to re nance. However, the FNR 1992-137 S is more than ve years older than the FHR 1899 SB; it has already gone through one interest rate cycle and the remaining borrowers are somewhat less likely to re nance. As a result, the FNR 1992-137 S is somewhat burned out, and should show a consistently lower prepayment rate than the nonburned out FHR 1899 SB. However, this relationship may change over time and may even reverse itself, as burnout is a dynamic phenomenon. Burnout can have a signi cant effect on the value of a security. It represents another opportunity to exploit market inef ciency. If different market participants have different burnout rates factored into their models, their valuations could exhibit substantial differences. EXHIBIT 6.2

0.70 0.58 0.39 0.34 0.31 0.24 0.18 0.17 0.16 0.08 0.12 0.13 0.20 0.22 0.27 0.30 0.35 0.36 0.38 0.41 0.45 0.51 0.62 0.72 0.79

This work was funded in part by the US Department of Energy, Of ce of Advanced Scienti c Computing, CoG Kits: Enabling Middleware for Designing Science Applications, Web Portals, and Problem-Solving Environments, under Contract W-31-109-ENG-38. Globus Project is a trademark held by the University of Chicago. Globus Toolkit is a registered trademark held by the University of Chicago. We thank Gail Pieper and Jens V ckler for their comments on this chapter. o

You don't want to put all your applications directly into the classes subdirectory. You'd soon have a mess of class files that you'd have to untangle any time you wanted to update a particular Web application. You could create lots of top level directories in addition to the examples and J2EEBible directories, but this doesn't solve the problem of organizing all the servlets that will be placed in the J2EEBible directory either. You could put servlets that go together in the same package, but this may make the URLs long and complicated. You can fix this naming problem by adding the appropriate entry to the web.xml file. In this section, we'll quickly discuss each of these techniques. Using packages Suppose you want to make the Hello file part of the Greetings package. Create a subdirectory of classes named Greeting and place Hello.java inside it. As usual you will have to add the following package declaration to the beginning of your source code:

fCl3 P D NPCl3 gPCl6 C Me3 SiCl fCl3 PDNPCl3 C gPCl6 C nCl3 PDNSiMe3 fCl3 PDN [PCl2 D N]n PCl3 gPCl6

12/01

where the fact P2 P is used in the denominator. Incorporating a change of variables, Eq. (10.8.2-6) can be written as

The patient related he had constant 6/10 bilateral preauricular and masseter muscle dull/pressure pain, and every morning he also had a 4/10 temporal headache. He related that his pain was worse when he awoke and again in the afternoon or evening. He also related that, during the usual day, he was tense all of the time, depressed half of the time, and could sleep only 4 6 hours because of insomnia. Patient also had constant 6/10 neck pain. His range of motion was 34 mm opening and 6/6/5 (right lateral, left lateral, and protrusive). Palpation of his masticatory and cervical structures revealed generalized tenderness of these muscles; his TMJs were

Routing-options { aggregate route 158.43.0.0/16; aggregate route 146.188.0.0/16; } policy-options { prefix-list local-aggregates { 158.43.0.0/16; 146.188.0.0/16; } policy-statement from-peers-template { term accept-known-prefixes-andas-paths { from { protocol bgp; route-filter 192.168.100.0/24 exact; route-filter 192.168.200.0/23 exact; as-path this-peer; }

Once the design and components of the page have been formulated, let s map them to HTML-specific tags and elements. Table 7.8 describes the HTML elements required for the page.

truth status (guilty or innocent) of each suspect The trained observers were less accurate in the lie detection test (46% total accuracy rate) than those who received no training (56% accuracy rate) This nding, paying attention to Inbau et al cues of discomfort impairs lie detection performance, was supported by our eld study where police of cers judged the veracity of statements made by murder, rape, and arson suspects who told the truth and lied during their real-life (videotaped) police interviews (Mann, Vrij, & Bull, 2004) As already discussed in 6, we found a negative relationship between of cers reportedly attending to the Inbau et al cues (averting gaze, shifting posture, making self-adaptors, etc) and accuracy in the lie detection task That is, the more the of cers endorsed Inbau et al s view on cues to deception, the worse they became at distinguishing between truths and lies.