Miracle-dz/UniFAR-FTUs huggingface dataset:
CREATING CUSTOMER LIFE TIME VALUE THROUGH EFFECTIVE CRM IN FINANCIAL SERVICES INDUSTRY

Customer Relationship Management (CRM) has its origin in the basic paradigm of marketing i.e. to satisfy customers with the best possible alternative in the market through a relational exchange process. Customer relationship management goes beyond the transactional exchange and enables the marketer to estimate the customer’s sentiments and buying intentions so that the customer can be provided with products and services before he starts demanding. This is possible through the integration of four important components i.e. people, process, technology and data. Customer data management gives us leads about the probability of customer demand and the technology helps us in tracking the characteristics and categorization of customers depending on his past behavior. The process reorients the traditional business models to suit the integrative approach of customer relationship management by emphasising customer life time value rather than product life time value. The product life cycle approach strategy is now obsolete and it gives way to customer life time value. The concept of customer life time value helps the marketer to analyze the cost of acquiring, serving and retaining a certain set of customers in the market. This research paper throws light on some of these issues in financial services industry. The financial services industry today is facing an uphill task of reorienting itself with changing technology and varying customer demand. The literature survey highlights the earlier research references in the area of customer relationship management to augment the body of knowledge for this study. The concepts of creating customer life time value are analyzed with the examples of a credit management strategy and billing system for a financial services industry.
Measuring user engagement attributes in social networking application

This paper describes our work in performing an exploratory factor analysis (EFA) to measure the engagement attributes in social network application (i.e. Facebook). We adapted the measuring user engagement scales from the previous work that have been done in an online shopping environment. By using factor analysis, we found that there are four attributes of engagement while interacting with social network application namely; Focus Attention, Novelty Endurabilty, Perceived Usability and Aesthetics. A number of 103 Facebook users responded to the administered questionnaires in two weeks duration. The findings show that respondents preferred using non-mobile devices as compared to both mobile and non-mobile devices in accessing and interacting with social network application.
Real Effects of Monetary Shocks in an Economy with Sequential Purchases

We study the effects of monetary disturbances in an economy in which sellers must deal with potential buyers in sequence, rather than being able to sell their goods in a Walrasian auction market. Because of the structure of trading assumed, the current state of demand is not revealed to sellers until after the process of sequential transactions has concluded. As a consequence, unanticipated changes in nominal spending flows induce less-than-proportional responses in nominal transaction prices, and changes in the same direction in real output. These effects are similar to those obtained if sellers must commit themselves in advance to money prices, but do not depend upon any cost of changing prices. We fully characterize the stationary intertemporal equilibrium of an economy subject to i.i. d. money supply shocks. We show how the ex ante distribution of monetary shocks affects sellers' pricing strategies, and hence the equilibrium relation between the money supply, the distribution of transaction prices, and the degree to which available productive capacity is utilized.
Distance and International Banking

This paper asks how important distance is as a determinant of international banking and whether distance has become less important over time. If technological progress has lowered information costs and if information costs increase in distance, the importance of distance should have declined. I use data on assets and liabilities of commercial banks from five countries (France, Germany, Italy, UK, and US) in 50 host countries for the years 1983–99 to test this hypothesis. Generally, I find that banks hold significantly lower assets in distant markets and that the importance of distance for the foreign asset holdings of banks has not changed.
The Logical Limitations of Target Marketing

Smith's idea of segmentation has been steadily refined into Kotler's target marketing, and widely adopted by academics and practitioners. However, this approach has not been empirically justified, and is logically invalid in its simple forms. In this paper, a logically valid approach to target marketing is developed, and the conditions required for such an approach established. These conditions are found to be true far less often than suggested by proponents of target marketing. An alternative approach is then offered to guide marketing decisions when the requirements for target marketing cannot be met.
Frontoparietal Structural Connectivity Mediates the Top-Down Control of Neuronal Synchronization Associated with Selective Attention

Neuronal synchronization reflected by oscillatory brain activity has been strongly implicated in the mechanisms supporting selective gating. We here aimed at identifying the anatomical pathways in humans supporting the top-down control of neuronal synchronization. We first collected diffusion imaging data using magnetic resonance imaging to identify the medial branch of the superior longitudinal fasciculus (SLF), a white-matter tract connecting frontal control areas to parietal regions. We then quantified the modulations in oscillatory activity using magnetoencephalography in the same subjects performing a spatial attention task. We found that subjects with a stronger SLF volume in the right compared to the left hemisphere (or vice versa) also were the subjects who had a better ability to modulate right compared to left hemisphere alpha and gamma band synchronization, with the latter also predicting biases in reaction time. Our findings implicate the medial branch of the SLF in mediating top-down control of neuronal synchronization in sensory regions that support selective attention.
Is inflation targeting compatible with Post Keynesian economics?

The purpose of this paper is to show that inflation targeting is compatible with Post Keynesian economics, but only if the policies used to achieve the inflation target explicitly acknowledge (1) the demand-determined nature of the real income generating process, and (2) the importance of conflicting claims over the distribution of income for determining the rate of inflation. The paper then questions whether or not policy makers should trouble to engage in inflation targeting. It is shown that there does exist a Post Keynesian case for inflation targeting, but that the appropriate inflation target that emerges from Post Keynesian economics suggests that far too much attention is currently being paid to inflation and that more of policy makers' attention should be devoted to output (and, by extension, employment) targeting.
Effects of Blood Pressure Lowering on Major Vascular Events Among Patients With Isolated Diastolic Hypertension: The Perindopril Protection Against Recurrent Stroke Study (PROGRESS) Trial*

Background and Purpose— Despite clear evidence that blood pressure (BP) lowering is effective for prevention of cardiovascular events among patients with isolated systolic hypertension and systolic–diastolic hypertension, there is ongoing uncertainty about its effects in those with isolated diastolic hypertension. The objective of the present analysis is to determine whether BP lowering provides benefits to patients with isolated diastolic hypertension. Methods— Patients with cerebrovascular disease and hypertension at baseline (n=4283) were randomly assigned to either active treatment (perindopril in all participants plus indapamide for those with neither an indication for nor a contraindication to a diuretic) or matching placebo(s). The primary outcome was total major vascular events. Results— There were 1923 patients with isolated systolic hypertension (systolic BP ≥140 mm Hg and diastolic BP <90 mm Hg), 315 with isolated diastolic hypertension (systolic BP <140 mm Hg and diastolic BP ≥90 mm Hg), and 2045 with systolic–diastolic hypertension (systolic BP ≥140 mm Hg and diastolic BP ≥90 mm Hg) at baseline. Active treatment reduced the relative risk of major vascular events by 27% (95% CI, 10% to 41%) among patients with isolated systolic hypertension, by 28% (−29% to 60%) among those with isolated diastolic hypertension, and by 32% (17% to 45%) among those with systolic–diastolic hypertension. There was no evidence of differences in the magnitude of the effects of treatment among different types of hypertension (P homogeneity=0.89). Conclusions— BP lowering is likely to provide a similar level of protection against major vascular events for patients with isolated diastolic hypertension as for those with isolated systolic hypertension and systolic–diastolic hypertension. Clinical Trial Registration Information— This trial was not registered because patients were enrolled before July 1, 2005.
Investigating Spearman's Hypothesis by Means of Multi-Group Confirmatory Factor Analysis

Differences between blacks and whites on cognitive ability tests have been attributed to a fundamental difference between these groups in general intelligence (or g, as it is denoted). The hypothesized difference in g gives rise to Spearman's hypothesis, which states that the differences in the means of the tests are related to the tests' factor loadings on g. Jensen has investigated this hypothesis by correlating differences in means and tests' g loadings. The aim of the present article is to investigate B-W differences using multi-group confirmatory factor analysis. The advantages of multi-group confirmatory factor analysis over Jensen's test of Spearman's hypothesis are discussed. A published data set is analyzed. Strict factorial invariance is tested and judged to be tenable. Various models are tested, which do and do not incorporate g. It is observed that it is difficult to distinguish between several hypotheses, including and excluding g, concerning group differences. The inability to distinguish between competing models using multi-group confirmatory factor analysis makes it difficult to draw clear conclusions about the exact nature of black-white differences in cognitive abilities. The implications of the results for Jensen's test of Spearman's hypothesis are discussed.
Insulin Releasing Action Peptides of Glucagon in of N-Terminal Dogs AKIRA OHNEDA , KINUKO OHNEDA

OHNEDA, A. ,OHNEDA, K. and KoIzuMI, F. Insulin Releasing Action of N-Terminal Peptides of Glucagon in Dogs. Tohoku J. Exp. Med., 1992, 167 (4), 287-295 The relationship between the molecular structure and insulin releasing action of glucagon remains unknown. In order to investigate the direct action of N-terminal peptides of glucagon, glucagon (1-14), and glucagon (1-21) were studied using an in situ local circulation of the canine pancreas. These glucagon fragments as well as glucagon (1-29) were infused into the superior pancreaticoduodenal artery in a dose of 400 pmol for 10 min during the glucose or arginine infusion, and plasma insulin and glucagon in the superior pancreaticoduodenal vein were determined by radioimmunoassay. During the glucose infusion, glucagon (1-14) elicited a slight increase in plasma insulin, whereas glucagon (1-21) and (1-29) revealed significant changes in plasma insulin. In these experiments plasma glucagon did not change significantly following the administration of glucagon (1-14) or (1-21). During the arginine infusion all of the glucagon fragments studied enhanced insulin secretion markedly, whereas glucagon secretion was not affected. Furthermore, graded doses of glucagon (114) (50, 150, and 400 pmol) elicited an increase in plasma insulin in a dose-related manner. It is concluded from the present study that the N-terminal peptides of glucagon stimulate insulin release especially during the arginine infusion. glucagon fragments ; canine pancreas ; arginine ; glucose ; insulin
Governance, Politics and the State

Introduction: What is Governance? PART 1: PERSPECTIVES ON GOVERNANCE Different Ways to Think About Governance Conceptual and Theoretical Perspectives on Governance Why the Concern with Governance Now? PART II: MODELS OF GOVERNANCE Governance at Three Levels Scenario 1: Reasserting Control Scenario 2: Letting Other Regimes Rule Communitarianism, Deliberation, Direct Democracy and Governance PART III: GOVERNANCE AND THE STATE States in Transition Conclusions: Rethinking States and Governance
Spatial and Temporal Requirements for huntingtin (Htt) in Neuronal Migration and Survival during Brain Development

Huntington's disease (HD), caused by an expanded triplet repeat in the huntingtin (Htt) gene, results in extensive neuropathology, but study of the Htt gene in CNS development through gene knockout is problematic as the knockout leads to embryonic lethality in mice. Here, we report that the knockdown of Htt expression in neuroepithelial cells of neocortex results in disturbed cell migration, reduced proliferation, and increased cell death that is relatively specific to early neural development. In the cerebellum, however, Htt knockdown results in cell death but not perturbed migration. The cell death phenotype in cortex can be partially reversed with co-knockdown of Casp9, indicating that mitochondria-mediated cell apoptotic processes are involved in the neuronal death. The timing of knockdown during early development is also an important variable. These results indicate a spatial and temporal requirement for Htt expression in neural development. Although it is uncertain whether the loss of wild-type huntingtin function contributes to pathogenesis in Huntington's disease, these results clearly contraindicate the use of nonspecific knockdown of Htt as a therapeutic measure in HD, particularly in utero.
Nonlinearity of quartic rotation symmetric Boolean functions

Nonlinearity of rotation symmetric Boolean functions is an important topic on cryptography algorithm. Let $e\ge 1$ be any given integer. In this paper, we investigate the following question: Is the nonlinearity of the quartic rotation symmetric Boolean function generated by the monomial $x_0x_ex_{2e}x_{3e}$ equal to its weight? We introduce some new simple sub-functions and develop new technique to get several recursive formulas. Then we use these recursive formulas to show that the nonlinearity of the quartic rotation symmetric Boolean function generated by the monomial $x_0x_ex_{2e}x_{3e}$ is the same as its weight. So we answer the above question affirmatively. Finally, we conjecture that if $l\ge 4$ is an integer, then the nonlinearity of the rotation symmetric Boolean function generated by the monomial $x_0x_ex_{2e}. x_{le}$ equals its weight.
The “normality” of El Niño

The amplitude of the El Niño‐Southern Oscillation (ENSO) would be normally distributed if the coupled Pacific ocean‐atmosphere were a linear system forced by Gaussian weather noise. Moment estimates of skewness and kurtosis demonstrate that this is not the case for monthly mean anomalies in Pacific sea surface temperatures during 1950–97. The noted predominance of El Niño events compared to La Niña events is related to the high skewness in the eastern Pacific. Skewness and kurtosis both exhibit an intriguing geographical variation from positive in the eastern to negative in the western Pacific. We have also examined Niño‐3 indices generated by three climate models having widely different complexity. These exhibit a wide range of skewness and kurtosis values rather different from those found for the observations. Skewness and kurtosis can be used to diagnose non‐linear processes and provide powerful tools for validating models, and for testing observed sea‐surface temperatures for the presence of possible climate change.
Prevalence of hardcore smoking in England, and associated attitudes and beliefs: cross sectional study

Abstract Objective To quantify the prevalence and characteristics of hardcore smokers in England. Design Cross sectional survey. Setting Interview in respondents' household. Participants 7766 adult cigarette smokers. Main outcome measures Hardcore smoking defined by four criteria (less than a day without cigarettes in the past five years; no attempt to quit in the past year; no desire to quit; no intention to quit), all of which had to be satisfied. Results Some 16% of all smokers were categorised as hardcore. Hardcore smoking was associated with nicotine dependence, socioeconomic deprivation, and age, rising from 5% in young adults aged 16-24 to 30% in those aged ≥ 65 years. Hardcore smokers displayed distinctive attitudes towards and beliefs about smoking. In particular they were likely to deny that smoking affected their health or would do so in the future. Prevalence of hardcore smoking was almost four times higher than in California. Conclusion Hardcore smoking presents a serious challenge to public health efforts to reduce the prevalence of smoking, but the proportion of hardcore smokers does not necessarily increase as overall prevalence in a population declines. More hardcore smokers could be persuaded to quit, but this will require interventions that are targeted to the particular needs and perceptions of both socially disadvantaged and older smokers.
Gender differences in undergraduate students' performance, perception and participation in physics

Research has been undertaken to obtain a thorough understanding of the existence and degree of gender disparity in students’ participation and performance in introductory university physics courses at the University of Edinburgh. The research on this topic has focused on three main subject areas: the proportion of male and female students enrolled in undergraduate physics courses and their reasons for choosing to study this subject, gender differences in student performance and, finally, how students’ attitudes and beliefs towards studying physics change after a period of instruction. Gaining an insight into students’ attitudes towards studying and learning physics, as well as their conceptual understanding of the topics being assessed, can draw attention to potential areas of weakness which can be targeted in future teaching. This thesis comprises a comprehensive review of the current situation surrounding male and female participation in the undergraduate physics degree programme at the University of Edinburgh in comparison to other STEM subjects, as well as a description of factors potentially influencing the gender performance in physics. With respect to student performance, conceptual understanding tests have been used as evaluation tools to measure the effectiveness of introducing interactive engagement, such as Peer Instruction, into teaching environments in order to improve student performance, as well as a means by which male and female learning gains could be compared. Results indicate that female students show a lower level of conceptual understanding of Newtonian Mechanics than male students when entering the degree programme, and that this gender difference remains after a period of instruction. Qualitative interviews highlight the preconceptions of first year undergraduate physics students with regards to Newtonian concepts of force and motion and demonstrate the range
Evaluating distributed word representations for capturing semantics of biomedical concepts

Recently there is a surge in interest in learning vector representations of words using huge corpus in unsupervised manner. Such word vector representations, also known as word embedding, have been shown to improve the performance of machine learning models in several NLP tasks. However efficiency of such representation has not been systematically evaluated in biomedical domain. In this work our aim is to compare the performance of two state-of-the-art word embedding methods, namely word2vec and GloVe on a basic task of reflecting semantic similarity and relatedness of biomedical concepts. For this, vector representations of all unique words in the corpus of more than 1 million full-length research articles in biomedical domain are obtained from the two methods. These word vectors are evaluated for their ability to reflect semantic similarity and semantic relatedness of word-pairs in a benchmark data set of manually curated semantic similar and related words available at http:// rxinformatics.umn. edu. We observe that parameters of these models do affect their ability to capture lexicosemantic properties and word2vec with particular language modeling seems to perform better than others.
Dynamics of stress as a predictor of health consequences in Polish drilling platform workers. Longitudinal study: part I.

BACKGROUND AND AIM The subject of presented article is the evaluation of the relationship between the way of adaptation to work-related stress and chosen health indicators among drilling platform workers in Poland. The study procedure is a longitudinal research, including data analysis from 1993 to 2013. MATERIALS AND METHODS 167 Polish platform male workers with an average age of 42 years have been examined. The studies include, according to the triangulation method, data from 3 sources: data concerning the so-called 'objective' and 'subjective' stress, personality and temperamental examinations and data concerning health state. RESULTS Stress affects health negatively, the higher subjective and objective stress, the worse health indicators: higher body mass index, more declared health ailments and worse evaluation of personal health (r = -0.23). Stress also affects health via 2 indirect tracts: through the kind of stress adaptation (stress dynamics) (r = -0.43) and through coping - depositional stress coping style (r = 0.41). CONCLUSIONS Stress adaptation (stress dynamics) and coping style included in the study in longer perspective show that those drilling platform workers, who declare the decrease of stress over the years, present worse health indicators than those, who declare variability in the ways of adaptation to stress.
A Systematic Banking Collapse in a Perfect Foresight World

In this paper we present a model in which a systematic banking collapse is possible in a perfect foresight, general equilibrium context. Our aim is to determine con3itions under which a collapse will eventually occur and the timing of such a collapse. The collapse can occur endogenously, driven by market fundamentals. Alternatively, it can be caused by a mass hysteria which generates itself in reality. Vie also compare the assumptions and implications of our model to the observable phenomena of the 1930's.
Hostility-Related Prejudice Against Turks in Adolescents: Masked Affective Priming Allows for a Differentiation of Automatic Prejudice

The masked affective priming task was used as an unobtrusive measure of intergroup prejudices in a sample of German adolescents (aged 13–15). Pictures of Turks and Germans were used as masked primes that preceded positive and negative target adjectives conveying either other-relevant valence (e.g., honest, evil) or possessor-relevant valence (e.g., talented, dull). Affective priming indices (denoting relative negativity of Turkish primes) were positively correlated with the open expression of prejudices towards Turks and foreigners in general in questionnaires as well as with discriminative interaction behavior in a virtual ball-tossing game. As expected, these correlations were found only for priming indices based on other-relevant targets, thereby emphasizing the differentiation of automatic prejudice into (imputed) hostility and depreciation.