We document characteristics of users and usage patterns, and use BNPL roll-out to provide new insights into consumer responses to unsecured credit access. BNPL access increases both total spending ...

Abstract: The characteristics of interference fading in a phase sensitive optical time domain reflectometer (φ-OTDR) system with a three optical frequency source are described in this paper. It is ...

NAPLES — The pair of handmade wreaths were made by many hands. In fact, area eighth graders learned how to make red poppies and learned about the flower’s significance in American history.