Why borrowers resist using their homes as collateral

American households have most of their wealth in retirement savings (33 percent) and in their home equity (29 percent). Of that, home equity exceeded $25 trillion, according to latest Federal Reserve data. Not surprisingly, ...

Rethinking the wild world of species diversity in microbes

University of Maryland biologists developed the first mathematical simulations of bacterial communities that incorporate the complex interactions and rapid evolution among bacteria and reflect the tremendous species diversity ...

Important role of prokaryotic viruses in sewage treatment

Prokaryotic viruses (phages) existing in activated sludge (AS), a biological treatment process widely used in wastewater treatment plants (WWTPs), act to regulate the composition of microbial community in the activated sludge. ...

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