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Takashi Kamei,* Motohisa Oobatake,^ and Makoto Suzuki* *Department of Metallurgy, Graduate School of Engineering, Tohoku University, Aoba-yama 02, Sendai, 980-8579, Japan; and ^Faculty of Science and Technology, Meijo University, 1-501, Shiogamaguchi, Tenpaku-ku, Nagoya, 468-8502, Japan Received for publication 12 April 2001 and in final form 18 October 2001 bad credit loan refinance rate .
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