Miracle-dz/UniFAR-FTUs huggingface dataset:
Service Quality and Profitability of Banks: A Study of Selected Nigerian Bank

The service sector of the economy has become a major role in the economies of most nations of the world and citizens living in such economies are living in increasingly service based economies. This is because the service sector plays a dominant role in creating value in such economies and by extension, the purchasing patterns of consumers and managerial decisions of the providers of these services to a large extent are influenced by activities of players in the sector. For the service sector to maintain dominance in the economic sector, the quality of services being provided should meet or exceed customers’ expectations. This research work seeks to assess the impact of the quality of banking services on the profitability of banks. To study this, we postulated three research hypotheses, relied on secondary data using the SPSS package, analysed data through the regression analysis and found out that there is no significant relationship between volume of Deposit and investment in service quality by banks in Nigeria, there is no significant relationship between investments in service quality and volume of turnover by banks and that there is no significant relationship between investments in banks’ service quality and the profitability of banks in Nigeria. The absence of a clear strong relationship between service quality improvements and profitability in the Nigerian banking sector is an indication that banks are not really showing improvements in the provision of banking services that would draw the attention of customers.Based on the findings, we conclude that to be able to achieve repeat purchase by customers in the increasing competitive banking business, banks should organize their operations according to the needs expressed (or in several cases even not expressed) by their customers.
Insights into the phylogeny of Northern Hemisphere Armillaria: Neighbor-net and Bayesian analyses of translation elongation factor 1-α gene sequences

ABSTRACT Armillaria possesses several intriguing characteristics that have inspired wide interest in understanding phylogenetic relationships within and among species of this genus. Nuclear ribosomal DNA sequence–based analyses of Armillaria provide only limited information for phylogenetic studies among widely divergent taxa. More recent studies have shown that translation elongation factor 1-α (tef1) sequences are highly informative for phylogenetic analysis of Armillaria species within diverse global regions. This study used Neighbor-net and coalescence-based Bayesian analyses to examine phylogenetic relationships of newly determined and existing tef1 sequences derived from diverse Armillaria species from across the Northern Hemisphere, with Southern Hemisphere Armillaria species included for reference. Based on the Bayesian analysis of tef1 sequences, Armillaria species from the Northern Hemisphere are generally contained within the following four superclades, which are named according to the specific epithet of the most frequently cited species within the superclade: (i) Socialis/Tabescens (exannulate) superclade including Eurasian A. ectypa, North American A. socialis (A. tabescens), and Eurasian A. socialis (A. tabescens) clades; (ii) Mellea superclade including undescribed annulate North American Armillaria sp. (Mexico) and four separate clades of A. mellea (Europe and Iran, eastern Asia, and two groups from North America); (iii) Gallica superclade including Armillaria Nag E (Japan), multiple clades of A. gallica (Asia and Europe), A. calvescens (eastern North America), A. cepistipes (North America), A. altimontana (western USA), A. nabsnona (North America and Japan), and at least two A. gallica clades (North America); and (iv) Solidipes/Ostoyae superclade including two A. solidipes/ostoyae clades (North America), A. gemina (eastern USA), A. solidipes/ostoyae (Eurasia), A. cepistipes (Europe and Japan), A. sinapina (North America and Japan), and A. borealis (Eurasia) clade 2. Of note is that A. borealis (Eurasia) clade 1 appears basal to the Solidipes/Ostoyae and Gallica superclades. The Neighbor-net analysis showed similar phylogenetic relationships. This study further demonstrates the utility of tef1 for global phylogenetic studies of Armillaria species and provides critical insights into multiple taxonomic issues that warrant further study.
Time Courses of Changes in Hepatic and Skeletal Muscle Insulin Action and GLUT4 Protein in Skeletal Muscle After STZ Injection

To determine the relative time courses of changes in peripheral and hepatic insulin action and skeletal muscle GLUT4 protein levels after a streptozotocin (STZ) injection in rats, we performed hyperinsulinemic (14–18 nM), euglycemic (7.5 mM) clamps in control (n = 8) and diabetic rats at 1 (n = 7), 3 (n = 8), 7 (n = 8), and 14 (n = 6) days after intraperitoneal STZ (65 mg/kg). Basal plasma glucose concentrations increased from 8.1 ± 0.2 mM in control rats to 23.5 ± 1.2 mM 1 day after STZ (P < 0.01) and remained constant thereafter. Basal plasma insulin levels were ∼ 35% of control levels in all STZ groups (P < 0.01). Insulin-stimulated whole-body glucose uptake decreased significantly as early as one day after STZ injection (P < 0.01), resulting predominantly from a decrease in whole-body glycolysis. Insulin action to suppress hepatic glucose output was normal on day 1 after STZ but impaired markedly on day 3 and thereafter (P < 0.01). Insulin-stimulated glucose uptake in individual skeletal muscles was not altered until day 7 after STZ, and the magnitudes of decreases in skeletal muscle insulin action on days 7 and 14 were not fully accounted for by the decreases in GLUT4 protein level measured from the same muscles. Our data indicate that there is a temporal hierarchy in the development of insulin resistance in STZ-induced diabetes. Insulin resistance is manifested initially (within one day) as a reduction in insulin-mediated glucose uptake and glycolysis in tissues other than skeletal muscle; available data suggest that the liver is a potential site of the initial reduction in insulin-mediated glucose uptake. Resistance of hepatic glucose output to suppression by insulin appears next, by day 3. Insulin resistance in skeletal muscle appears last (between days 3 and 7 after STZ administration), and the resistance in muscle cannot be fully accounted for by reduced GLUT4 expression.
High-resolution, hand-held camera for sentinel-node detection.

BACKGROUND The imaging probe (IP) is a high-resolution (HR), 1-in(2) field-of-view hand-held gamma camera. We used it to detect breast cancer sentinel node (SN). PATIENTS AND METHODS We divided 120 T1 breast cancer patients, who underwent Anger camera lymphoscintigraphy (ACL), in two subgroups of 60 patients who were age, body mass index, and cancer size matched: subgroup A (SA) and B (SB). SN was detected with a common gamma probe (GP) in SA, with IP plus GP in SB. RESULTS Surgeons removed radioactive nodes without exceeding four nodes. Eighty-two (82) SNs were taken off in SA and 105 in SB (p<0.01). Of SA, 22 of 60 patients and 36 of 60 patients of SB showed more than 1 node, and 3 of them showed 3 nodes and 1 showed 4 nodes. Thirteen (13) patients resulted N(+) (21.6%) in SA. Ten (10) patients of SA showed an invasion on the hottest nodes and 3 on the second nodes. In the SB, 18 patients (25%) showed invasion. Sixteen (16) invasions were on hot, 4 on second, and 1 on the third node. Withdrawal time of SN was 11.25+/-4.7 minutes for SA and 7.4+/-2.8 minutes for SB (p<0.025). CONCLUSIONS SN biopsy with IP is fast and discovers more SNs and more invasions than ACL.
PENGARUH MODAL INTELEKTUAL TERHADAP NILAI PERUSAHAAN DENGAN KINERJA KEUANGAN SEBAGAI VARIABEL INTERVENING PADA PERUSAHAAN PERBANKAN YANG TERDAFTAR DI BURSA EFEK INDONESIA

ABSTRACT The purpose of this study was to find out, analyze an obtaine empirical proof about the influence of intellectual capital proxied through the Value Added Human Capital (VAHC), Value Added Employed (VACE), and Value Added Structural Capital (VASC) on the value of the companies listed in the Indonesia Stock Exchange, directly or with financial performance (ROE) as the intervening variable. The population of this study was 35 banking companies listed in the Indonesia Stock Exchange from 2009 to 2012, and 27 banking companies were selected to be the samples for this study based on the purposive sampling criteria. The data used in this study were the secondary data in the form of timeseries data with 3-yeas dimensions pooled from the 27 sample companies that the observation done were 81 observations. The data obtained wew analyzed through descriptive stastic analysis method and inferential stastic methodincluding: classical assumption test, multiple linear regression analysis, and modeling as well as determination coefficient analysis. The hypothesis in this study was proven simultaneously through F-test, partially hypothesis was tested through T-tested and path analysis. The conclution drawn from the result of data analysis showed that there was an influence of intellectual capital proxied through the Value Added Human Capital (VAHC), Value Added Capital Employed (VACE) and Value Added Structural Capital (VASC), on the value of the companies listed in the Indonesia Stock Exchange, directly or with financial performance (ROE) as the intervening variable. Keywords: Intellectual Capital, Financial Performance, Value of Company
Mechanisms of escape from CD8+ T‐cell clones specific for the HER‐2/NEU proto‐oncogene expressed in ovarian carcinomas: Related and unrelated to decreased MHC class 1 expression

We have developed an in vitro model to study mechanisms by which ovarian tumor cells that over‐express the HER‐2/neu proto‐oncogene escape recognition by TCD8+. Nine tumor‐specific, HLA A2‐restricted TCD8+ clones were isolated from 2 ovarian tumor‐specific TCD8+ lines derived from tumor‐infiltrating or ‐associated lymphocytes. Of these, 2 clones recognized the previously defined HER‐2/neu epitope E75 (a.a. 369–377) and one recognized the C85 epitope (a.a. 971–979), whereas the specificity of the remaining 6 clones was unknown. Three different tumor escape variants (EVC8, EVC22 and EVC36) were produced by co‐culturing an ovarian tumor line over‐expressing HER‐2/neu with these autologous TCD8+ clones. Cell surface expression of HLA A2 was markedly decreased on all 3 escape variants, relative to the parental tumor line, while no significant decrease in their expression of the HER‐2/neu, ICAM‐1 or LFA‐3 molecules was found. There was a correlation between the level of tumor‐specific recognition and HLA A2 expression among the tumor clones isolated from 2 of the escape variants (EVC8 and EVC36). In contrast, high HLA A2‐expressing tumor clones isolated from the EVC22 variant, or EVC22 which had regained high HLA A2 expression through IFN‐γ treatment, were not recognized by the HER‐2/neu‐specific TCD8+ clone C‐22. No mutations were found in the cDNA or the genomic DNA derived from the PCR product corresponding to a 496 bp fragment including the region coding for the E75 epitope of the HER2/neu gene in the EVC22 variant. Collectively, this in vitro model underlines the importance of decreased expression of the HLA restriction element for escape from tumor‐specific TCD8+ but also demonstrates that additional mechanisms exist. © 1997 Wiley‐Liss, Inc.
Value and Momentum from Investors' Perspective: Evidence from Professionals' Risk-Ratings

We conduct a controlled experiment with financial professionals to examine more directly whether value and momentum reflect risk factors or mispricing. By eliciting their risk perceptions and return expectations for company stocks, we identify what constitutes a risky investment from the point of investors. Contrary to the risk factor hypothesis, value and momentum stocks are regarded as less risky. However, other factors, such as size and beta, fall in line with their traditional interpretation as risk factors. Consistent with empirical findings, we observe higher return expectations for momentum stocks, raising questions on analysts believing in a risk-return trade-off.
Comparative FISH mapping of bovid X chromosomes reveals homologies and divergences between the subfamilies Bovinae and Caprinae

Comparative FISH mapping of river buffalo (Bubalus bubalis, BBU), sheep (Ovis aries, OAR), and cattle (Bos taurus, BTA) X chromosomes revealed homologies and divergences between the X chromosomes in the subfamilies Bovinae and Caprinae. Twenty-four and 17 loci were assigned for the first time to BBU X and OAR X, respectively, noticeably extending the physical map in these two species. Seventeen loci (four of which for the first time) were also FISH mapped to BTA X and used for comparative mapping studies on the three species, which show three morphologically different X chromosomes: an acrocentric (BBU X), an acrocentric with distinct short arms (OAR X), and a submetacentric (BTA X). The same order of loci were found on BTA X and BBU X, suggesting that a centromere transposition, with loss (cattle) or acquisition (river buffalo) of constitutive heterochromatin, differentiated the X chromosomes of these two bovids. Comparison of bovine (cattle and river buffalo) and caprine (sheep) X chromosomes revealed at least five common chromosome segments, suggesting that multiple transpositions, with retention or loss of constitutive heterochromatin, had occurred during their karyotypic evolution.
Economic impact of automated primary screening for cervical cancer.

OBJECTIVE To construct a markovian model to project the marginal cost of the AutoPap System as compared to manual cervical cytologic screening. STUDY DESIGN Data from a clinical trial and published literature were entered into a seven-state markovian decision-analytic model to estimate the marginal cost per year of life saved that could be attributed to changes in primary screening technology. RESULTS Annual screening with AutoPap produced a meaningful increase in life expectancy of 32.1 days relative to manual screening at a marginal savings of $628 per person (or a marginal savings of $7,144 per life-year saved). Less frequent screening yielded lower positive savings. CONCLUSION Automated screening for cervical cancer has the potential to significantly improve health care outcomes and reduce cost.
Migratory pathways of GABAergic interneurons when they enter the neocortex

Inhibitory gamma‐aminobutyric‐acid‐containing interneurons play important roles in the functions of the neocortex. During rodent development, most neocortical interneurons are generated in the subpallium and migrate tangentially toward the neocortex. They migrate through multiple pathways to enter the neocortex. Failure of interneuron migration through these pathways during development leads to an abnormal distribution and abnormal functions of interneurons in the postnatal brain. Because of recent discoveries regarding the novel origins and migratory pathways of neocortical interneurons, in this article we review the literature on the migratory pathways of interneurons when they enter the neocortex.
Bridging the emergency medical services for children information gap.

OBJECTIVE To determine the epidemiological features of pediatric usage of prehospital emergency medical services (EMS) in a defined urban population. METHODS Residents of Kansas City, Mo, younger than 15 years who used EMS during the calendar years 1993-1995 were included. In this geographic area there is a single provider of prehospital care; all numerator data were taken from this single source. Denominator data were provided by 1995 intercensal estimates based on the 1990 US Census. Rates were calculated as an annual average and reported as the number of children transported per 1 000 persons per year. RESULTS There were a total of 7296 pediatric EMS transports during the study period, for an annual rate of 21.9. Infants younger than 1 year had the highest rate (47.4), followed by those aged 1 to 4 years (26.2), 10 to 14 years (17.5), and 5 to 9 years (17.3). Medicaid was the insurer for half and 27% were uninsured. One quarter of the patients used EMS more than once. Children living in ZIP codes in the lowest median income tertile were 5.8 times more likely to use EMS than those in the upper income tertile (95% confidence interval, 5.4-6.3). One third of all transports occurred between the hours of 4 and 8 PM. CONCLUSIONS Children using the Kansas City EMS were more likely to be infants, insured by Medicaid or uninsured, and live in low-income ZIP codes. Further study is needed to determine if this increased usage is due to greater incidence and severity of illness and injury, lack of transportation, lack of education, or other factors.
Differential Expression Patterns of Runx2 Isoforms in Cranial Suture Morphogenesis

Runx2 (previously known as Cbfa1/Pebp2αA/AML3), a key transcription factor in osteoblast differentiation, has at least two different isoforms using alternative promoters, which suggests that the isoforms might be expressed differentially. Haploinsufficiency of the Runx2 gene is associated with cleidocranial dysplasia (CCD), the main phenotype of which is inadequate development of calvaria. In spite of the biological relevance, Runx2 gene expression patterns in developing calvaria has not been explored previously, and toward this aim we developed three probes: pRunx2, which comprises the common coding sequence of Runx2 and hybridizes with all isoforms; pPebp2αA, which specifically hybridizes with the isoform transcribed with the proximal promoter; and pOsf2, which hybridizes with the isoform transcribed with the distal promoter. These probes were hybridized with tissue sections of mouse calvaria taken at various time points in development. Runx2 expression was localized to the critical area of cranial suture closure, being found in parietal bones, osteogenic fronts, and sutural mesenchyme. Pebp2αA and Osf2 showed tissue‐specific expression patterns. The sites of Pebp2αA expression were almost identical to that of pRunx2 hybridization but expression was most intense in the sutural mesenchyme, where undifferentiated mesenchymal cells reside. The Osf2 isoform was strongly expressed in the osteogenic fronts, as well as in developing parietal bones, where osteopontin (OP) and osteocalcin (OC) also were expressed. However, in contrast to Pebp2αA, Osf2 expression did not occur in sutural mesenchyme. Pebp2αA also was expressed prominently in primordial cartilage that is found under the sutural mesenchyme and is not destined to be mineralized. Thus, Osf2 isoforms contribute to events later in osteoblast differentiation whereas the Pebp2αA isoform participates in a wide variety of cellular activities ranging from early stages of osteoblast differentiation to the final differentiation of osteoblasts.
The Effect of Social Connectedness on Crime: Evidence from the Great Migration

Abstract This paper estimates the effect of social connectedness on crime across U.S. cities from 1970 to 2009. Migration networks among African Americans from the South generated variation across destinations in the concentration of migrants from the same birth town. Using this novel source of variation, we find that social connectedness considerably reduces murders, rapes, robberies, assaults, burglaries, and motor vehicle thefts, with a 1 standard deviation increase in social connectedness reducing murders by 21% and motor vehicle thefts by 20%. Social connectedness especially reduces murders of adolescents and young adults committed during gang and drug activity.
ELECTROLYTE DISTRIBUTION IN RABBIT SUPERIOR CERVICAL GANGLION 1

Abstract— Superior cervical ganglia of the rabbit were removed and analysed for Na+, K+, Ca2+, Mg2+ and Cl−. The mean electrolyte content in μmole/g wet wt. was as follows: Na+, 64.7 ± 1.3; K+, 65.1 ± 2.7; Ca2+, 3.71 ± 0.28; Mg2+, 3.70 ± 0.50; and Cl−, 50.15 ± 2.26. Water content was 0.76 ± 0.01 ml/g wet wt. Extracellular space was 0.37 ± 0.01 ml/g, and the vascular space 0.0238 ± 0.0002. The mean resting potential of the rabbit superior cervical ganglion was – 68.6 mv. After correction for extracellular electrolyte content, the potential differences, ENa, EK and Ecl, were estimated to be +33.6 mv, –96.9 mv and ‐41.1 mv, respectively, in the ganglia.
Clinical Results and Nutritional Consequences of Biliopancreatic Diversion: Three Years of Follow-Up

Background: Bariatric surgery is the most effective long-term treatment for morbid obesity, reducing obesity-associated comorbidities. The aim of our work was to describe clinical results and nutritional complications in morbidly obese patients with biliopancreatic diversion. Methods: We have analyzed a consecutive series of 64 patients who have been followed up for 3 years after undergoing open biliopancreatic diversion by the Scopinaro technique. Results: Initial excess weight loss was 29.3% at 6 months and 61.5% at 3 years. A significant improvement of body mass index, weight, waist circumference, fat mass, glucose level, total cholesterol, uric acid and triglycerides levels was detected. Ferritin, vitamin A, vitamin D, vitamin B12, zinc and copper levels showed a low percentage of deficiency at basal time, but during the follow-up, the percentage of deficiency increased. Vitamin E and K did not show basal deficiency. However, after surgery, a moderate deficiency of both vitamins was detected (vitamin E 7.1% and vitamin K 8.3%). Folic acid deficiency was observed in 54.3% of the subjects at basal time, but decreased during the study. Conclusion: Biliopancreatic diversion is an effective method of sustainable weight loss. However, micronutrient deficiencies can occur.
Field and laboratory tests of insulator flashovers under conditions of light ice accumulation and contamination

Investigations have been made of the performance of composite insulators because of the repeated flashover accidents on the lightly iced insulators in winter in the north of China. Based on the field research, a new test method was developed by taking into account the combined influences of the light ice accumulation and the secondary contamination deposition on the ice surface, and a different view of reproducing the atmospheric and environmental conditions in laboratory was provided accordingly. The test results confirmed that the icing flashover voltages of composite insulators with secondary contamination deposition were considerably lower than the contamination flashover voltage when the insulators were both precontaminated with the same equivalent salt deposit density (ESDD). In these areas where similar accidents happened, the increase in the insulation strength should be considered.
Factors influencing clinician's judgments of mental health. Eighteen experiences with the Health-Sickness Rating Scale.

Experiences with use of the Health-Sickness Rating Scale (HSRS), first published in 1962, bear out its original promise. Reliability studies continue to show that clinicians can agree very well in judging mental health. The scale correlates with a variety of more time-consuming observer and patient scales, as well as with judgments of other similar concepts related to mental health. Several studies show that the initial level of the HSRS predicts measures of the outcome of psychotherapy. The HSRS ratings are influenced by the amount of information of the clinician, his relationship with the patient, his own experience, and his training in the use of the scale.
Elevated parathyroid hormone-related peptide in a patient with an extragonadal germ-cell tumour and hypercalcemia.

Hypercalcemia has been described as a paraneoplastic syndrome associated with most malignant lesions but is very rarely reported in association with germ cell tumours. Paraneoplastic hypercalcemia is typically related to the production of parathyroid hormone–related peptide (PTHrP). 1 I describe here what I believe to be the first case of germ cell tumour with hypercalcemia and confirmed PTHrP elevation.