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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 study examines the Career and Technical Education (CTE)/Technical Vocational Education and Training (TVET) higher education sector by focusing on international education at a US community college. The purpose is to examine how internationalization at CTE/TVET institutions engages students, many of whom are rural, poor, refugees, immigrants, and students of color and minoritized status. Employing a mixed methods research design, descriptive statistics sketch the CTE student profile and surveys and personal interviews detail the importance of international experiences to CTE students. Findings show that CTE students participate in internationalization activities at a higher rate than non-CTE students. The impact of international experiences is significant in the areas of career relevance, personal impact and understanding of diversity. This study substantiates the importance of CTE/TVET internationalization and shows that internationalization is an effective vehicle for impact and inclusivity of historically under-represented students in international education.

Robert Bodle received his Ph.D. in Critical Studies from the University of Southern California's School of Cinematic Arts. His research focuses on the social, political, and ethical implications of networked media (social media and networks, social reporting, alternative media, mobile and convergence culture, internet governance, information ethics, and new media literacies). As assistant professor of Communication Studies at the College of Mount St. Joseph, Bodle designs and teaches a digital media curriculum that includes Social Media and Social Change, New Media and Society, Human Rights in the Digital Age, New Media Ethics, and Visual Communication. His research appears in the Journal of International Communication, Information, Communication & Society, and the book collection The Ethics of Emerging Media: Information, Social Norms, and New Media Technology.

The purpose of this paper is to highlight a selection of poetry titles from the Poets House Showcase of 2006.

This article provides reviews of selected titles from the 2006 Poets House Showcase.

This review represents a wide‐ranging selection of contemporary poetry collections and anthologies.

This list documents the tremendous range of poetry publishing from commercial, independent and university presses, as well as letterpress chapbooks, art books and CDs.

Purpose: We review theory and research to suggest how research on sexual and gender minority (SGM) population health could more completely account for social class.

Approach: First, we review theory on social class, gender, and sexuality, especially pertaining to health. Next, we review research on social class among SGM populations. Then, we review 42 studies of SGM population health that accounted for one or more components of social class. Finally, we suggest future directions for investigating social class as a fundamental driver of SGM health.

Findings: Social class and SGM stigma are both theorized as “fundamental causes” of health, yet most studies of SGM health do not rigorously theorize social class. A few studies control socioeconomic characteristics as mediators of SGM health disparities, but that approach obscures class disparities within SGM populations. Only two of 42 studies we reviewed examined SGM population health at the intersections of social class, gender, and sexuality.

Research implications: Researchers interested in SGM population health would benefit from explicitly stating their chosen theory and operationalization of social class. Techniques such as splitting samples by social class and statistical interactions can help illuminate how social class and SGM status intertwine to influence health.

Originality: We synthesize theory and research on social class, sexuality, and gender pertaining to health. In doing so, we hope to help future research more thoroughly account for social class as a factor shaping the lives and health of SGM people.

A forward thrust drives the theoretical narrative of disability-in-society, as told by scholars of recent decades. Consider these titles (with emphases added): From Stigma to Identity Politics: Political Activism among the Physically Disabled and Former Mental Patients by Anspach (1979); From Good Will to Civil Rights by Scotch (1984); Moving Disability Beyond Stigma a collection edited by Asch and Fine (1988); The Disability Rights Movement: From Charity to Confrontation by Fleischer and Zames (2001). Each title is like a revved-up engine. Together, they convey a message of forward movement in the status of people with disabilities. The road they all travel starts from a negative starting point and ends at a clear and a more desirable, if not yet perfect, destination. The starting point is the subordinated and powerless status of persons with disabilities – a status based on stigma wrapped in pity. The destination: empowerment. These analyses focus on the United States; their authors, while not all sociologists, are close enough for our purpose. The road they all cover starts (chronologically speaking) around the 1940s, and extends – in the case of the earliest – up to the late 1970s; two others cover up to the mid- and late 1980s; and the last one, to the current century.

Evaluates the effects of shipwrecks and peoples’ reactions following them, with regard to their feelings of preventability on someone’s part. In particular to the Erika in 1989, and the Prestige in 2002. The European Union (EU), which theretofore seemed to be neglecting maritime safety appears to have developed a maritime culture. The EU seems to have adopted the International Maritime Organisation’s (IMO) attitude regarding safety protocols, which must be a right and proper thing to do. Concludes that shipping has needed, and is now receiving, a proactive approach with regard to safety from the EU which should limit, as far as possible, disasters of both a human and ecological kind for the maritime world.