Savings, credit card, and consumption patterns in rural Iowa

Abstract

Past studies of savings and consumption have provided detailed descriptions of consumer behaviors among many different study populations. However, these studies frequently do not examine the impacts of credit cards alongside these savings and consumption processes. In addition, these studies fail to account for how savings and spending have become transformed within a rural context. The few writings that do examine the effect of place assume that rural residents--particularly farmers in the Midwest--act more responsibly than their urban counterparts. This study examines rural savings and credit card behaviors in a rural context using parallel data from two statewide random samples in Iowa. I hypothesize that, contrary to popular belief, rural Iowa residents' and Iowa farmers' savings and credit card behaviors do not differ significantly from each other or from those of the general population.

Evolutionary adaptation of the protein folding pathway for secretability

“…Global HDX-MS ODE model fit Quantified folding populations were fitted to an ordinary differential equation (ODE) model using python packages symfit (Roelfs & Kroon, 2020) and SciPy (Virtanen et al, 2020). The rate for loss and formation of different folding states was calculated using differential equations.…”