Miracle-dz/UniFAR-FTUs huggingface dataset:
Approaches to Improving Bank Share Value Using Credit Portfolio Management and Credit - Transfer Pricing

Prudent credit risk management within a bank requires that a number of agents within the firm communicate, agree and act in a concerted fashion to manage credit risk both at the individual exposure level and at the broader portfolio level. This can be challenging given the nature of credit portfolios. Even if highly diversified, credit portfolios display heavily skewed loss distributions that imply relatively long quiescent periods (during which losses are lower than their mathematical expectations and the benefits of risk management less visible) and occasional periods of much higher losses. This phenomenon makes it difficult to maintain focus on the impact of individual trades or loans on the longer-term risk of portfolio losses, particularly in large organizations. In this non-technical paper, which draws on and extends portions of Bohn and Stein (2009), we reflect on some of these challenges and discuss mechanisms, such as credit-transfer pricing, by which banks can better align the behaviors of underwriters, risk managers and senior managers within large institutions while also increasing the communications between these groups. This approach grew out of industry practice and is currently in use to varying degrees by a number of large banks worldwide. While many challenges still persist in its implementation, innovations in both extending credit and modeling credit continue to evolve to address them, making implementation more practically feasible.
Numerical simulation of the hydrodynamic in the Curimataú estuary, RN Brazil

The Curimatau River estuary is a shallow partially mixed (type 2) tropical estuary, located in the Rio Grande do Norte (RN) state, northeast Brazilian coast (lat. 06o18’S); the main system is composed by three rivers: Curimatau, Cunhau and Guaratuba. The numerical model Delft3D-Flow was used to study hydrodynamic features of the estuary. The model predictions were evaluated using the Skill parameter based in the comparison of the theoretical solutions with observations of hourly values of tidal heights, currents and salinity at an anchor station located at the cell (M=279; N=323). The applied computational grid is curvilinear with around 6,000 horizontal wet points, including the inner shelf. Open boundary conditions was obtained from the analysis of 2.7 years of hourly tidal heights, recorded at Natal harbor, and the inner boundaries conditions were controlled by freshwater input into the three main rivers. Initial conditions of hydrographic properties were uniform in the previous simulations and, only the temperature was set to a constant value in whole simulation. The steady-state of the fields of velocity and thermohaline properties was reached after almost four weeks of simulation of the baroclinic mode. The best fit between the model and the observations was for the semidiurnal spring tide oscillation with a Skill=0.98; for the velocities and salinities simulations during this tidal condition the best mean Skills values were 0.82 and 0.94, respectively.
Growth and dry matter yield responses of cowpea to different sowing depths

The depth of sowing has an important impact on the seedling emergence, growth and yield of crops. Uniform seeding depth is essential toward achieving higher crop yields. The objective of this study was to compare the effect of different depths of sowing on cowpea (Vigna unguiculata (L.) Walp. ) Seedling emergence, plant height, stems girth, number of leaves per plant, and dry matter yield. Asontem cowpea variety was sown in a loamy sand soil at five different sowing depths (20, 30, 50, 70 and 90mm) replicated three times in a randomised complete block design at two seeds per hill in 1.8m x 1.8m plots with spacing between plants and rows of 20 and 60cm, respectively. Plant stand was counted daily on each plot after the first seedling emerged until a stable count was obtained to determine the percentage emergence. Plant height, stem girth, and number of leaves were measured once a week for 7 weeks after the first plant emerged. The dry matter yield was determined 65 days after planting. Sowing depth effects were generally not significant. However, sowing at 50mm produced the highest percentage cowpea seedling emergence, plant height, stem girth, number of leaves and dry matter yield compared with sowing at 20, 30, 70 and 90mm. The study showed that for optimum growth and yield of cowpea, sowing should be done at a depth of 50mm.
Genetic Relationships Among Linear Type Traits and Milk Production Traits of Holstein Dairy Cattle

Abstract The aim of this study was to estimate genetic relationships among milk production and linear type traits of Holstein dairy cattle from seven herds in Isfahan province of Iran. Phenotypic data was collected from 2004 to 2012 and included milk yield (MY), fat yield (FY) and protein yield (PY) for first three lactations, six body traits (stature, ST; chest width, CW; body depth, BD; angularity, AN; rump angle, RA; rump width, RW), three feet and legs traits (rear legs side view, RLSV; rear legs rear view, RLRV; foot angle, FA) and eight udder traits (fore udder attachment, FUA; rear udder height, RUH; rear udder width, RUW; central ligament, CL; udder depth, UD; fore teat placement, FTP; rear teat placement, RTP; teat length, TL). The number of animals for each linear type trait was 3505. Multi-trait animal models were used to estimate the (co)variance components based on restricted maximum likelihood method (REML) using WOMBAT software. Heritability estimates of first, second and third lactations for MY were 0.28, 0.41 and 0.36; for FY were 0.22, 0.23 and 0.36 and for PY were 0.31, 0.33 and 0.25, respectively. The heritability estimates ranged from 0.17±0.04 to 0.24±0.04 for body traits, 0.06±0.03 to 0.15±0.04 for feet and leg traits and from 0.12±0.04 to 0.25±0.05 for udder traits. Genetic correlations among the recorded type traits ranged from -0.76±0.01 (between AN and RLRV) to 0.65±0.02 (between AN and RW). The low to moderate positive genetic correlations between AN and FUA with milk production traits indicate that cows with high AN and good FUA have higher milk, fat and protein yields. The results of this study indicated that considerable genetic variation exists for different type traits within this sample of the Iranian Holstein population and additive genetic variability of type traits can provide moderate genetic gains through selection.
LENGTH TO WEIGHT RELATIONSHIP OF SEA BASS LATES CALCARIFER (BLOCH) REARED IN A CLOSED RECIRCULATING SYSTEM

The length to weight relationship of sea bass, Lates calcarifer, reared for two years in our laboratory in an indoor recirculating system, was determined as follows: W (g) = 0.0107 TL (cm)3.0347, R2 = 0.9974. The values found in this study correspond to length/weight relationships found for a natural population by other researchers, indicating that sea bass cultivated in captivity under intensive conditions and at high stocking densities do not seem to differ in body appearance from those in nature.
Acclimation to daily thermal variability drives the metabolic performance curve

Background: Among the predictions of the effect of future climate change, the impact of thermal conditions at local levels on the physiological performance of individuals and their acclimation capacities is key to understanding animals’ responses to global warming. Goal: Test for the effect of acclimation to environmental thermal variability, namely 24 ± 0C, 24 ± 4C, and 24 ± 8C, on the metabolic performance curve in the mealworm beetle Tenebrio molitor. Results: Maximum resting metabolism and metabolic breadth were significantly different, but optimal temperature was similar, between treatments. Thus, increases in ambient thermal variability caused a reduction in maximum performance at each level of acclimation, with a decrease of almost 50% between the nil variability and ± 8C daily variability treatments. Conclusions: If thermal variability changes in any of the directions forecast by climatologists, ecologists will have to use mechanistic and modelling approaches based on physiological and biophysical traits to predict the biodiversity consequences of climate change.
Association between lipid profile and silent coronary artery disease in south Indian patients with type 2 diabetes mellitus

Background: The patients with type 2 diabetes have an increased prevalence of lipid abnormalities (Dyslipidemia). Early diagnosis of diabetic patients with silent CAD and dyslipidemia can reduce the morbidity and mortality for cardiovascular death. The objective of the present study is to assess the prevalence of silent coronary disease among south Indian type-2 diabetic patients without cardiovascular symptoms and association between lipid profile and silent coronary disease among them. Methods: 100 Type 2 diabetes mellitus patients (65 males and 35 females) of age 40-80 years attending the OPD of Sri Siddhartha Medical College, Tumakuru, Karnataka, India were enrolled in this study. The Serum samples were analysed for fasting blood glucose (FBS), post prandial blood glucose (PPBS), HbA1c, and lipid profile. The patients were classified into CAD and Non CAD groups based on ECG changes and stress test. Results were analysed SPSS 16.0 software. Results: The study revealed that 46% of our study population had silent CAD. The prevalence of dyslipidemia was found higher in males than females in both study groups. CAD group patients had significantly higher levels of serum total cholesterol, triglycerides, LDL- cholesterol and low HDL - cholesterol compared to Non CAD group. Conclusions: Dyslipidemia is indicating the strong association with silent CAD in type 2 diabetes mellitus. It is also advisable to have a screening ECG for silent CAD at the time of diagnosis or during the follow-up period in type 2 diabetes.
Phylogeography and predicted distribution of African-Arabian and Malagasy populations of giant mastiff bats, Otomops spp. (Chiroptera: Molossidae)

ABSTRACT Otomops martiensseni is sparsely distributed throughout sub-Saharan Africa and southwestern Arabia (Yemen). Otomops madagascariensis from the dry portions of Madagascar is widely recognised to be a distinct species. Based on mitochondrial DNA sequences of the cytochrome b gene (1,004 base pairs; n = 50) and the control region (D-loop, 290 base pairs; n = 52), two Oriental outgroup species (O. wroughtoni and O. cf. formosus) formed a monophyletic clade that was the sister group to the Afro-Malagasy taxa, composed of O. martiensseni and O. madagascariensis. Within the Afro-Malagasy clade, we discovered three well-supported but genetically similar clades (inter-clade genetic distances of 3.4–4.4%) from 1) north-eastern Africa and Arabia, 2) African mainland except northeast Africa, and 3) Madagascar. Taken together, haplotype networks, estimated divergence times, regional species richness and historical demographic data tentatively suggested dispersal from Asia to Africa and Madagascar. To understand ecological determinants of phylogeographic, biogeographic and genetic structure, we assessed the potential distribution of O. martiensseni throughout sub-Saharan Africa with ecological niche modelling (MaxEnt) based on known point localities (n = 60). The species is predicted to occur mainly in woodlands and forests and in areas of rough topography. Continuity of suitable habitats supported our inferred high levels of continental gene flow (relatively low genetic distances), and suggested that factors other than habitat suitability have resulted in the observed phylogeographic structure (e.g., seasonal mass migrations of insects that might be tracked by these bats). Based on a Bayesian relaxed clock approach and two fossil calibration dates, we estimated that African and Oriental clades diverged at 4.2 Mya, Malagasy and African clades at 1.5 Mya, and African clades 1 and 2 at 1.2 Mya. Integrating phylogenetic, phylogeographic, population genetic and ecological approaches holds promise for a better understanding of biodiversity patterns and evolutionary processes.
Association between time spent sitting and diabetes mellitus in older adults: a population-based study

By the middle of the last century, changes in the Brazilian economy and society triggered a rapid demographic transition characterized by an increased number of older adults in the population. Thus, Brazil has witnessed population aging, which was accompanied by an increased incidence of non-communicable chronic diseases. Some risk factors for the development of the chronic non-communicable diseases have been well established, such as overweight, tobacco and alcohol consumption, inadequate nutrition, and physical inactivity. Additionally, sedentary behavior has been related to significant deleterious effects on health, such as diabetes mellitus type 2, obesity and mortality. The objective of this study was to investigate the association between sitting time and diabetes mellitus in older adults. A cross-sectional study was conducted in 24 municipalities in the Regional Health Superintendence of Uberaba, MG. Selected subjects answered a structured questionnaire and underwent anthropometric assessment. A total of 3,265 elderly subjects, with a median time spent sitting of 240.00 (P25th=137.14 and P75th=330.00) minutes/day and a 20.0% prevalence of diabetes mellitus were detected. Adjusted logistic regression analysis showed that a sitting time of more than 330.00 minutes/day was positively associated with diabetes mellitus (OR=1.351, 95%CI: 1.057-1.729). It was concluded that older adults who daily sit for long periods of time have higher chances of having diabetes compared to those who sit for less time.
Usefulness of chest radiographs in the management of acute asthma in adult asthmatics in a developing country

Chest radiographs are widely available, even in most hospitals in developing countries, and can detect a variety of lung pathologies. When adults are admitted to hospital with acute asthma, chest radiographs are often obtained. Studies on the usefulness of chest radiographs in acute asthma have shown varying results. This study aimed at evaluating the usefulness of chest radiographs in the management of acute asthma in adult asthmatics in a developing country. Plain chest radiographs performed within 24 hours of admission in 115 consecutive adult asthmatic patients (asthma defined by Asthma Education and Prevention programme NIH-1997) admitted to National Hospital of Sri Lanka were reviewed prospectively for one year. The relationship between radiographic findings and clinical findings and leucocyte count were evaluated. Significance was calculated using Fisher exact test. Among 115 participants there were 56 males and 59 females, with mean age of 47.77 years. Chest radiographs were abnormal in 40.9%, the abnormalities including hyperinflation (8.7%), consolidation (15.7%), segmental/greater atelectasis (5.2%), pneumomediastinum (0.9%), features of obstructive lung disease (6.1%), solitary lung nodule (0.9%), and pulmonary edema (3.5%). There was no significant association of abnormal radiographs with leucocytosis (p=0.322), elevated body temperature (p=3.109), and high pulse rate (p=0.157). The incidence of abnormalities on admission chest radiographs in patients with acute asthma was high, though immediate management was influenced in only less than half of the patients with abnormal radiographs. Chest radiographic abnormalities had no significant association with elevated blood leukocyte count, body temperature, and pulse rate. Using clinical criteria to identify those requiring chest radiographs within the first 24 hours in adults admitted with acute asthma may improve the cost effectiveness of chest radiographs without compromising patient care.
THE IMPACT OF COGNITIVE- BEHAVIORALTHERAPY (CBT) IN REDUCING ANXIETY AND DEPRESSION IN CANCEROUS CHILDREN

This study aims to investigate the impact of cognitive-behavioral therapy (CBT) in reducing anxiety and depression in children that have cancer in Sari, Iran. The investigation was conducted by experimental research method (ANCOVA test) which had pre-test and post-test. The sample was selected by convenience and contained 25 children from 7 to 14 years old who suffered from cancer and were hospitalized in Sari city. These children were divided into two experimental and control groups. There were 12 patients in the experimental group and 13 patients in the control group. Data collection was done through CDS-A depression questionnaire and Kattell’s anxiety questionnaire. The experimental group was treated by CBT (Cognitive-Behavioral Therapy) in 10 sessions and control group received no treatment. For data analysis, descriptive and inferential statistics methods were used (frequency and percentages, mean and standard deviation, bar charts and analytical methods of ANCOVA). The results showed that cognitive-behavioral therapy had influence in reducing anxiety and depression in cancerous children (p<0.05). And therefore, CBT can reduce pathogenic effects of treatment and has an important role in struggling to illness, cancerous pains and increasing mental health in children. Considering the experimental findings and results of this study, it is suggested to conduct and educate CBT treatment programs for cancerous children from the onset of illness diagnosis accompany with medical treatment.
Role of probiotics in improving growth performance, immunity and controlling Aeromonas hydrophila in the Nile tilapia Oreochromis niloticus

The tilapias were treated with of Enterococcus faecium and Bacillus coagulans at a final concentration of (10cfu/g) (10cfu/g). 18 aquaria with 6 replicates for treated and controls were used. After 75 days, the tilapias supplemented with the probiotic showed significantly better final weight, body length, specific growth rate, weight gain, feed intake, feed conversion ratio and protein efficiency ratio than those fed on the basal diet (Control). After 75 days from experiment start, each experimental fish group was divided into two groups; the first group was infected with Aeromonas hydrophila while the second group without infection. The best Hb, Htc, MCV and RBCs content was recorded by fish group fed on the E. faecium supplemented diet comparing to fish group fed on the basil diet and infected with A. hydrophila and the same trend was observed for mortality rate. The highest WBCs value and differential count were recorded fish groups infected with A. hydrophila. Results also showed that, fish fed on the diet supplemented with E. faecium followed by Bacillus coagulans recorded the lowest (P< 0.001) AST value (16.3 u/L) and (17.23 u/L), while control positive Aeromonas hydrophila group showed the highest (P>0.001) values being 29.6 u/L.
Organizational culture and performance: The mediating roles of innovation capacity

This study highlights the service-dominant logic perspective of a firm’s complex capability. The links between the functions of marketing strategies and distinctive capabilities indicate the importance of service management innovation, and emphasize the conceptualization of a service economy to verify the model. The model proposed in this study examines the relationships among market orientation, interaction orientation, innovativeness, innovative capacity, and performance, which includes customer performance and financial performance. This study presents empirical results from 225 larger-sized service firms in Taiwan. First, the organizational culture factors positively affecting innovative capacity include market orientation, interaction orientation and innovativeness. Innovative capacity in turn has a positive effect on performance. Secondly, ranked in order of effect on financial performance, these variables are innovative capacity, interaction orientation, market orientation and innovativeness. Finally, the mediating effects of customer performance partially increase the total effect of innovative capacity on financial performance. Key words: Service-dominant logic, market orientation, interaction orientation, innovativeness, innovative capacity, performance.
Chromosomal distribution of the As51 satellite DNA in two species complexes of the genus Astyanax (Pisces, Characidae)

The chromosomal localization of the As51 satellite DNA was identified by fluorescent in situ hybridization (FISH) in specimens of the characid fish Astyanax scabripinnis and Astyanax fasciatus, which are considered species complexes because of their extensive karyotypical and morphological variability. A conserved chromosomal distribution of the As51 satellite, coincident with distal C-banded segments was demonstrated. The alternative interstitial localization of this satellite DNA and possible alterations of its structure suggest that this sequence underwent quantitative, positional and structural variations, as the A. scabripinnis and A. fasciatus complexes diverged.
Acoustics and Sustainability: How should acoustics adapt to meet future demands? The relationship between civil aircraft noise and com- munity annoyance near Dubai International Airport (UAE)

According to ACI traffic statistics for 2002, Dubai International Airport is the second fastest growing airport in the world. In 2007, it catered to more than 36 million passengers, with approximetly 1000 daily flight events, including take off and landing. In this paper we report the first assessment of community annoyance caused by civil aircraft noise exposure in 9 sites around Dubai International Airport (United Arab Emirates). Our aim is to assess the relationship between aircraft noise levels and annoyance responses in Dubai. To accomplish our goal, we have adapted the WECPNL and L dn as the aircraft noise indices in Dubai, and the percentage of %HA have been used to assess the dose–response of aircraft noise. The %HA was obtained using social surveys that were carried out in 9 sites within close proximity of the airport using the ISO/TS 15666, 2003 questionnaire. Subjects were randomly selected ranging between 20 and 65 years in age. Results show that 41% of the respondents said that they are Highly Annoyed; a percentage considered high, but in agreement with similar studies done near major airports in other countries.
Knowledge-driven User Activity Recognition for a Smart House. Development and Validation of a Generic and Low-Cost, Resource-Efficient System

Our core interest is the development of autonomous and socially interactive robots that may support elderly users at home as part of a smart home, i.e. a home equipped with a sensor network that may detect activities of daily living such as preparing food in the kitchen, having meal in the living room, watching the television, etc. The current paper focuses on showing the design and implementation of a low-cost, resource-efficient activity recognition system that can detect user activities without the necessity of collecting a large dataset to train the system. Based on common-sense knowledge from activities of daily living, we generated a set of rules for defining user's activities in a home setting. These rules can be edited and adapted easily in order to accommodate different environments and daily life routines. The approach has been validated empirically with a pilot study in the University of Hertfordshire Robot House. The paper presents results from a study with 14 participants performing different daily life activities in the house. The results are promising, and future work will include the integration of this system in a Smart House used for Human-Robot Interaction studies. This may help develop context- aware robot companions capable of making better decisions to support users in their daily activities. Keywords-Activity Recognition; Smart Houses; Context-Aware