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This paper presents an integrated regulatory model to protect depositors in the event of a retail financial institution run or failure. In Australia, many of the factors included in this model are either not in existence, or if in existence have not been fully implemented. A review of regulatory arrangements for retail financial institutions in Australia is warranted in the light of these deficiencies.

This paper seeks to present a dual‐level framework for developing change management theory, based on the concept of anxiety as an organizational phenomenon and its potential for prevention, recognition and treatment. When encountering crisis, confusion, and difficulties, both individuals and organizations can suffer from anxiety‐related problems. The paper aims to argue that organizational anxiety can be diagnosed and treated in a similar way to those of individuals.

This is a conceptual paper and examines how individual anxiety can inform analysis of organizational performance in times of change. A model of organizational anxiety is presented. Three case studies are used to examine the validity of the model. The potential for preventive and treatment strategies for organizational anxiety is examined.

The concepts presented should be examined initially through single case study designs, but developed into the equivalent of a randomized controlled trial across a number of organizations.

Recognition of organizational anxiety is only advantageous if methods of prevention or treatment are possible and available. Preventive strategies include training in threat appraisal and response for senior management teams. Treatment strategies include short‐term consultancies for evaluation of threats and responses; organizational development for organizations where inappropriate responses to threats and opportunities can be recognized, and rethinking/reframing of organizations where an organizational history may be inhibiting progress or development.

This paper presents a new way for organizations to examine their performance in times of change, and adds significantly to the literature on organizational change management.

The purpose of this paper is to examine whether new installed assistive technology (AT) systems in care homes for elderly residents, reduced the number of falls and demands for formal health services.

The project collected retrospective data about incidence of falls before and after AT systems were installed from two care homes in the county of Norfolk, UK. Two care homes were selected purposefully because a recent assessment determined the need for upgrading their call system, but with different resident profiles regarding prevalence of dementia. The data were collected from standard incident report forms from ten months before the upgrades to ten months after in Care Home 1 and from six months before the upgrade to six months afterwards in Care Home 2.

In both care homes there were 314 falls reported during the course of the study. The number of falls overall reduced from 202 falls before the introduction of AT, to 112 after the introduction of AT. The mean health care costs associated with falls in Care Home 1 significantly reduced by more than 50 per cent (p=0.015). In Care Home 2 there was no statistically significant difference in the mean cost.

Results showed that installed AT system in residential care homes reduced the number of falls and health care cost in homes with a lower proportion of residents with advanced dementia than those with a higher proportion of residents with advanced dementia. However, larger and more representative studies are required to demonstrate the economic and social impact of AT systems.

Since our visit to England last year with the American Librarians, we have often mentally discussed the reason why so many of the libraries of the United States are in the hands of women, and so few in Great Britain. Tradition and habit are of course responsible to a great degree in the latter case. The majority of the libraries in Great Britain are not a new growth; they have always been in the hands of men, therefore they always must be. They have been built up slowly as conservators of the literature of the ages, and it is fitting that wise and learned men should have them in charge.

In these notes at the beginning of our last volume we expressed the hope that its conclusion would see at least the approach of peace. That hope has not been fulfilled, and only an unreasoning optimist could say that at present the cessation of hostilities is anywhere in sight. The year has been marked by success and tragedy; tragedy in the losses we have sustained of some of the leading young men of the profession who have died in all parts of the world for the Flag; success in the fact that the moral of the nation has grown rather than diminished, that the Empire is more determined than ever to secure a world in which free men may live, that the course of events have proven to our American brethren that our cause is and has been just. As librarians we share in all the feelings created by these facts. Perhaps the most significant social fact of the year has been the gradual awakening of the people to educational opportunities, and the need of them. There has been a wave of interest in things intellectual, from the utilitarian point of view mainly. The need of meeting German after‐the‐war competition is frankly the impetus to interest in education among many public men; but there are educationists with somewhat higher views whose voices are receiving attention; and, it is obvious, alas, that there were never so many cranks in full volubility as now. Whatever may be the causes of the new interest, it is undoubtedly the duty of librarians and library organizations to take full advantage of that interest to press the claims of libraries to a public hearing. How that is to be done is the business (theoretically) of the Library Association to determine, and we understand that of late it is devoting attention to the problem.

THE idea of a central service and supplies organisation for libraries—a “Library Centre”— such as exist abroad and are described in Library Supply agencies in Europe, is like most ideas in librarianship, not a new one, even taking into account the establishment of Norway's Biblioteksentralen over 60 years ago in 1902, which at that time was called Folkeboksamlingenes Ekspedisjon. This idea, like so so much else, seems to have originated in the fertile brain of Melvil Dewey, taking its final and lasting form as the Library Bureau, established by Dewey himself in 1882.

IN problems involving mechanics and engineering, determination of moment of inertia, product of inertia and second moment of area is a common procedure. But, frequently, it is by no means an easy one. For example, when considering the moment of inertia of the triangle or figures built up from the triangle, the mathematics involving calculus and several inertia theorems, can be difficult in manipulation.

Non‐response bias is rarely explored in business research utilising annual reports. Such studies may reach incorrect conclusions in instances where there are systematic differences between companies who respond and those who do not. A global study into airline accounting practices by Tan, Tower, Hancock and Taplin (2002) enabled examination of this important research issue because a database provided an independent source of annual reports. The results indicate minimal response bias in a sample of annual reports obtained from a mail request. Publically listed airline companies that did not respond to a request for their annual report tended to use accounting methods that are considered least favourable by the industry. Therefore, caution needs to be exercised and the assumption that non‐respondents' accounting policy choices are aligned with those of respondents should be tested. Increased availability of annual reports on the internet also raises questions of possible database bias.

The characteristics of PZT suspensions have been studied and fit to stereolithography restraints. On one hand, researches concern the influence of fillers contents, dispersant concentration, temperature and resins nature and amount on suspensions rheological behaviour. On the other hand, the influence of photoinitiator and PZT concentrations, density of energy and nature of the resin on suspension reactivity was investigated. These experiments have led to the choice of two photosensitive suspensions suitable for stereolithography purpose; which use depend on the fillers content. Furthermore, the stereolithography process has been modified owing to the balance between suspensions rheological and photochemical properties in order to shape piezoelectric ceramics. Thanks to these improvements, PZT ceramics/polymer composites dedicated to transducers and medical imaging applications have been fabricated.