Western pond turtles in the Mojave Desert? A review of their past, present, and possible future by Jeffrey E. Lovich, George Jefferson, Robert Reynolds, Peter A. Scott, H. Bradley Shaffer, Shellie Puffer, Sarah Greely, Kristy Cummings, Robert N. Fisher, Kathie Meyer-Wilkins, Doug Gomez, Morgan Ford, Christopher D. Otahal

“…Limited nuclear data show some minor differences. Overdraft of water from the Mojave River for municipal and agricultural uses, urban development, and saltcedar expansion are threats to the continued survival of WPTs in the Mojave River.…”
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Small-scale catchment analysis of water stress in wet regions of the U.S.: an example from Louisiana by Hisham Eldardiry, Emad Habib, David M Borrok

“…Groundwater is increasingly being overdrafted in the Southeastern U.S., despite abundant rainfall and the apparent availability of surface water. …”
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Understanding Vulnerability to the Poverty Premium: An Analysis of Factors Influencing Use of High-Cost Credit Among Low-Income Individuals by Fiona Rasanga, Tina Harrison, Raffaella Calabrese

“…Objectives & Approach To achieve this, we rely on anonymized Open Banking transaction data from 100,000 individuals provided by a UK-based social lender.Given the latent nature of vulnerability, we identify indicators of vulnerability to poverty premium which include frequency of overdraft use, previous debt problems, low financial resilience, and indebtedness. …”
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On the Black-Box Challenge for Fraud Detection Using Machine Learning (I): Linear Models and Informative Feature Selection by Jacobo Chaquet-Ulldemolins, Francisco-Javier Gimeno-Blanes, Santiago Moral-Rubio, Sergio Muñoz-Romero, José-Luis Rojo-Álvarez

“…Informative features were living beyond one’s means, lack or absence of a transaction trail, and unexpected overdrafts, which are consistent with other published works. …”
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Financial services provided by banks to senior citizens of Singapore by Loo, Deborah, Tan, Li Choo, Norshirin Sulaiman

“…Another recommendation is that banks should have special rates on loans and overdrafts taken up by senior citizens for specific purposes. …”
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Assessing the feasibility of sprinkler irrigation schemes and their adaptation to future climate change in groundwater over-exploitation regions by Xueliang Zhang, Beibei Ding, Yonghao Hou, Puyu Feng, De Li Liu, Raghavan Srinivasan, Yong Chen

“…Whether an alternative irrigation method is feasible relies on quantitative assessments of its impacts on crop yield and hydrological cycle, especially in the groundwater overdraft area that faces a dilemma between water scarcity and food security. …”
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Modelado Matemático de un Sistema de Concentración de Fondos y Desembolsos by Carlos Antonio Herrera-Cáceres, Asier Ibeas

“…This account receives money transfers from the revenues accounts of each agency and, also from the main account, money is transferred to the agenciesâ expense accounts in order to cover overdrafts. There exist an investment account into which any cash surpluses of the main account are deposited and a credit line in order to avoid the cash deficits. …”
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A Comparative Evaluation of the Effect of Financial Frictions on the Transmission Mechanism of Monetary Policy with an Emphasis on the Endogeneity of Money on Iran’s Economy by Hossein Samsami, Parviz Davoodi, Rana Abbasgholi Nezhad Asbaghi

“…This credit crunch can be attributed to violations of prudential ratios, including capital adequacy, nonperforming loan ratio, fixed asset ratios to total bank assets, and the government’s net debt to banks.As a consequence of these frictions, banks face resource shortages and resort to borrowing from the Central Bank through overdrafts. This results in an expansion of the monetary base, subsequently increasing liquidity and leading to a rise in the general price level. …”
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