The study is designed to assess the presence or absence of recognizable planning processes within the savings and loan industry in the Dallas/Ft. Worth metroplex. Planning processes found are analyzed as to their content and scope in order to describe them in as accurate a manner as possible.

Surfactants are used in a wide assortment of "down-the-drain" consumer products, yet they are often discharged in wastewater treatment plant effluent into receiving water, potentially causing environmental harm. The objective of this project was to predict surfactant toxic units and in-stream nutrients in the upper Trinity River watershed. Surface and pore water samples were collected in late summer 2005. General chemistries and surfactant toxic units were calculated. GIS models of anthropogenic and natural factors were collected and analyzed according to subwatersheds. Multiple regression analyses using the Maximum R2 improvement method were performed to predict surfactant toxic units and in-stream nutrients using GIS and in-stream values. Both geospatial and in-stream parameters generated multiple regression models for surfactant surface and pore water toxic units, as well as in-stream nutrients, with high R2 values. Thus, GIS and in-stream parameter modeling have the potential to be reliable and inexpensive method of predicting surfactant toxic units and nutrient loading in the upper Trinity River watershed.