Miracle-dz/UniFAR-FTUs huggingface dataset:
Capital Allocation in the Insurance Sector

Capital allocation plays a key role in the enterprise risk management system of insurance undertakings: when applied during performance measurement, it creates a link between risk and business. In addition to performance measurement, capital allocation may also have a role in pricing decisions and in the preparation of strategic business decisions. With the entering into force of the Solvency II regulation the consistent application of capital allocation has become a regulatory expectation in the insurance sector which lands relevance to our topic. The available literature is extremely rich; however, the applicable methods have been designed based on theoretic axioms rather than the needs of the practitioners, so the gap between theoretic research and real-life application is significant. Our objective is to translate the rather abstract formulation of the problem of capital allocation, customary in the literature, to the practical questions arising during implementation by insurance companies; thereby, providing some guidance for choosing the theoretically applicable methods. In this study, we will review the issues arising in connection with the implementation of capital allocation: what needs to be allocated for what specific purposes and how such allocation should take place.
Monetary Policy Credibility and Exchange Rate Pass-Through

A long-standing conjecture in macroeconomics is that recent declines in exchange rate pass-through are in part due to improved monetary policy performance. In a large sample of emerging and advanced economies, we find evidence of a strong link between exchange rate pass-through to consumer prices and the monetary policy regime’s performance in delivering price stability. Using input-output tables, we decompose exchange rate pass-through to consumer prices into a component that reflects the adjustment of imported goods at the border, and another that captures the response of all other prices. We find that price stability and central bank credibility have reduced the second component.
The influence of gate start position on physical performance and anxiety perception in expert BMX athletes

ABSTRACT The critical importance of the start phase in bicycle motocross (BMX) racing is increasingly acknowledged. Past experiments underlined that the internal lane of the starting gate provides a strong positional advantage. However, how lane position affects start performance and cognitive and somatic state anxiety remains unexplored. We examined the start performance and anxiety responses of youth national-level BMX riders in both experimental and ecological contexts. We used contextualization motor imagery routines to evaluate start performance and state anxiety from the internal and external lanes. Cycle ergometer measures revealed a better start performance from the external lane, but we did not record any lane effect on actual gate start times. Both somatic and cognitive anxiety scores were higher before racing from the internal compared to the external lane. Finally, state anxiety (i.e., somatic anxiety, worry and concentration disruptions) negatively predicted the start performance. Present findings provide original insights on psychological factors involved in BMX start performance, and might contribute to fruitful coping interventions and training programmes in sports overlapping the framework of “handicap races” taking the specific form of positional advantages/disadvantages at the start (e.g., ski/snowboard cross, athletics, swimming, motorsports, etc.).
Late‐life depression in older African Americans: a comprehensive review of epidemiological and clinical data

The population of older African Americans is expected to triple by 2050, highlighting the public health importance of understanding their mental health needs. Despite evidence of the negative impact of late‐life depression, less is known of how this disorder affects the lives of older African Americans. Lack of studies focusing on how depression presents in older African Americans and their subsequent treatment needs lead to a gap in epidemiologic and clinical knowledge for this population. In this review, we aim to present a concise report of prevalence, correlates, course, outcomes, symptom recognition, and treatment of depression for these individuals.
Use of Electroconvulsive Therapy in Adolescents With Treatment-Resistant Depressive Disorders: A Case Series

Objectives This study presents a comprehensive case series of adolescents who received electroconvulsive therapy (ECT) for treatment-resistant depression. Methods Conducting a chart review, we identified 13 adolescents who had ECT for treatment of depression over a 5-year interval (2008-2013) at a Canadian tertiary care psychiatric hospital. Details about participants' clinical profile, index course of ECT, outcome, side effects, and comorbidities were extracted and analyzed. Results Thirteen adolescents aged 15 to 18 years, received a mean of 14 (SD, 4.5) ECT sessions per patient. Based on the Beck Depression Inventory-II at baseline and after treatment with ECT, a reliable improvement was observed in 10 patients, with 3 achieving full recovery. Through mixed effects linear modeling, we found a decrease of 0.96 points (95% CI, −1.31 to −0.67, P < 0.001) on the Beck Depression Inventory-II total score for every ECT treatment received. The Montreal Cognitive Assessment was used for monitoring of cognitive function throughout the treatment. Adverse effects included transient subjective cognitive impairment (n = 11), headache (n = 10), muscular pain (n = 9), prolonged seizure (n = 3), and nausea and/or vomiting (n = 3). Conclusions A clinically significant improvement was observed for 10 (77%) adolescents receiving ECT for treatment-resistant depression. These observations suggest that ECT is a potential treatment option for refractory depression in selected adolescents. More data are needed to draw conclusions about efficacy and possible predictors of treatment response.
Clinical and basic science teachers’ opinions about the required depth of biomedical knowledge for medical students

The aim of the present study was to investigate whether basic scientists and physicians agree on the required depth of biomedical knowledge of medical students at graduation. A selection of basic science and clinical teachers rated the relevance of biomedical topics for students at graduation, illustrated by 80 example items. The items were derived from ten organ systems and designed at four levels: clinical, organ, cellular and molecular. Respondents were asked to identify for each item to what extent recently graduated medical students should have knowledge about it. In addition, they were asked to indicate whether the content of the item should be included in the medical curriculum. Analysis showed that basic scientists and physicians do not diverge at the clinical level. At the organ, cellular and molecular levels however, basic scientists judge that medical students should have more active knowledge. As expected, basic scientists also indicate that more deep level content should be included. Explanations for this phenomenon will be discussed.
SMEs’ Financing and Banks’ Profitability: A “Good Date” for Banks in Ghana?

ABSTRACT Small and medium enterprises (SMEs) are the core of most economies and are a major source of economic growth. In recent times, banks have been actively involved in the financing of SMEs through the provision of loans to this sector. This paper investigates the impact of SMEs financing on banks’ profitability in Ghana. The study employed the fixed effect model as the main regression tool. The study result reveals that SMEs significantly contribute to banks’ profitability in Ghana. Interestingly, transaction cost in administering SME loans was insignificant in all the models. Higher inflation reduces the real value of the loan and erodes the interest returns on the total credit to the SMEs. Conversely, growth of GDP enhances the growth of the bank profit.
Quinapril: Overview of preclinical data

Quinapril hydrochloride, a new, orally active, nonpeptide, nonsulfhydryl angiotensin‐converting enzyme (ACE) inhibitor, has been studied extensively in a variety of in vitro and in vivo animal models. Quinapril inhibits the contractile and pressor effects of angiotensin I in rabbit aorta and in rats, respectively, and lowers blood pressure in both high‐ and normal‐renin rodent and diuretic‐treated dog models of hypertension. No tolerance to the antihypertensive effects of quinapril was noted in spontaneously hypertensive rats treated with quinapril for up to 14 consecutive days. As with other ACE inhibitors, quinapril had virtually no effect on the development of hypertension in the renin‐independent one‐kidney deoxycorticosterone (DOCA)‐salt hypertensive rat. Antihypertensive activity best correlates with the inhibition of tissue (vascular) ACE, and thus the reduction in peripheral vascular resistance associated with plasma and tissue ACE most likely accounts for the therapeutic benefit of quinapril. Preliminary data from a trial of quinapril in cardiomyopathic hamsters show that the drug prevents the anticipated decline in left ventricular contractile function and retards the temporal progression of left ventricular failure. ACE inhibitors have been found to have a lipid‐neutral profile, unlike some other classes of antihypertensives. Quinapril is rapidly absorbed and extensively distributed to all tissues except brain. It is rapidly hydrolyzed to quinaprilat, its pharmacologically active diacid form. Metabolism to other compounds is not extensive. Quinapril's preclinical toxicologic profile is similar to that of other ACE inhibitors. Long‐term toxicology studies show that quinapril is not teratogenic, carcinogenic, or mutagenic.
When Epstein-Barr virus persistently infects B-cell lines, it frequently integrates

In this study we used Gardella gel analysis of intact DNA, Southern blotting of digested DNA, and fluorescence in situ hybridization to provide complementary and unequivocal information on the state of the Epstein-Barr virus (EBV) genome in persistently infected cells. The fluorescence in situ hybridization technique allowed us to directly visualize both integrated and episomal EBV DNA at the single-cell level. We show here that circularization of the EBV genome is rarely detected upon infecting activated normal B cells. The virus can persist upon infection of a different proliferating B-cell target, EBV-negative Burkitt's lymphoma tumor cell lines. Analysis of 16 such lines reveal again, that the virus infrequently persists as covalently closed episomes; rather, the virus preferentially persists by integrating into the host DNA (10 of 16 clones). The integrated virus is linear and usually intact, although 3 of 10 isolates have deletions from the left-hand end including the latent origin of replication. At the level of our analysis, no obvious relationship was seen between the integration sites. These studies provide, for the first time, a reproducible in vitro model system to study integration by EBV.
A longitudinal study of a neuropsychological rehabilitation program in Alzheimer's disease.

UNLABELLED Our aim was to study the duration of benefits derived from a neuropsychological rehabilitation program (NRP) for dementia patients. METHOD The participants in this study were three patients diagnosed as probable Alzheimer's disease in the initial-to-moderate phase; the three were taking anticholinesterases. They were submitted to a neuropsychological evaluation (NE) before the NRP and then reevaluated after 12 and 24 months of treatment. The aim of our intervention was to do practical work with implicit and explicit residual memory by training them in everyday life activities, and using compensatory strategies and their intact cognitive abilities. RESULTS Analysis of quantitative NE data (descriptive measures) after the first year of NRP showed cognitive improvement, functional stabilization and fewer behavioral problems. However, this improvement did not continue in the second year, and the disease maintained its characteristic progression.
Response in Soil of Cupriavidus necator and Other Copper-Resistant Bacterial Predators of Bacteria to Addition of Water, Soluble Nutrients, Various Bacterial Species, or Bacillus thuringiensis Spores and Crystals

Soil was incubated with various species of bacteria, Bacillus subtilis, or Bacillus thuringiensis spores and crystals. These were added to serve as potential prey for indigenous, copper-resistant, nonobligate bacterial predators of bacteria in the soil. Alternatively, the soil was incubated with soluble nutrients or water only to cause potential indigenous prey cells to multiply so the predator cells would multiply. All of these incubation procedures caused excessive multiplication of some gram-negative bacteria in soil. Even greater multiplication, however, often occurred for certain copper-resistant bacterial predators of bacteria that made up a part of the gram-negative response. Incubation of the soil with copper per se did not give these responses. In most cases, the copper-resistant bacteria that responded were Cupriavidus necator, bacterial predator L-2, or previously unknown bacteria that resembled them. As was the case for C. necator and L-2, these new bacteria did not use glucose, had white colonies, produced copper-related growth initiation factor (GIF), and attacked B. thuringiensis spores on laboratory media. The results were different, however, when B. thuringiensis spores and crystals per se were added to the soil. The copper-resistant bacterial response in the soil did not, to any extent, include C. necator-like bacteria. Instead, the main copper-resistant bacterial predators that developed had yellow colonies and did not resemble C. necator or L-2 in other ways. They were not seen before, and they did not develop on the addition of B. subtilis spores to soil. Apparently, they could not produce a C. necator-like GIF. Nevertheless, they did respond very quickly to B. thuringiensis spores and crystals in soil, as if a GIF of some sort were involved. These results suggest that, under various conditions of soil incubation, gram-negative bacterial predators of bacteria multiply and that several copper-resistant types among them can be detected, counted, and isolated by plating dilutions of the soil onto media containing excess copper.
The Interpersonal Contexts of Negotiating Care in Home Care Nurse-Patient Interactions

In this article, the author describes six interpersonal contexts within which care is negotiated between home care nurses and their patients, based on qualitative analysis of 31 videotaped visits. The interpersonal contexts were negotiation of (a) territoriality, (b) shared perceptions of the situation, (c) an amicable working relationship, (d) role synchronization, (e) knowledge, and (f) taboo topics. Analysis of moment-by-moment communication explored how social identity related to care activities is constructed, challenged, or threatened in the flow of events in the encounter. This approach does not problematize negotiation by assuming negative connotations of inequality of power; rather, it examines the therapeutic consequences of specific communication acts. It demonstrates how both nurse and patient are, paradoxically, both empowered and made vulnerable through everyday conversation.
Fluoxetine treatment of acral lick dermatitis in dogs: A placebo‐controlled randomized double blind trial

The aim of the study was to assess the efficacy and tolerability of fluoxetine treatment of acral lick dermatitis (ALD) in dogs and to investigate ALD as an animal model of obsessive‐compulsive disorder (OCD). Sixty‐three dogs with ALD were treated with fluoxetine 20 mg daily, or placebo, for 6 weeks. In the fluoxetine group, owners rated both appearance of the lesion (t = 10.2, df = 29, P < 0.0001) and licking behavior (t = 10.2, df = 29, P < 0.0001) as significantly improved by the end of the trial. Veterinarian‐rated pre‐ and post‐treatment photographs showed statistically significant improvement in the fluoxetine group (mean = 2.55). There were no significant changes in the placebo group as rated by owners and veterinarians. These results demonstrate the efficacy of fluoxetine in the treatment of ALD and lend further support to ALD as an animal model of OCD. Depression and Anxiety 8:21–23, 1998. © 1998 Wiley‐Liss, Inc.
Organization and function of an actin cytoskeleton in Plasmodium falciparum gametocytes

In preparation for transmission to its mosquito vector, Plasmodium falciparum, the most virulent of the human malaria parasites, adopts an unusual elongated shape. Here we describe a previously unrecognized actin‐based cytoskeleton that is assembled in maturing P. falciparum gametocytes. Differential extraction reveals the presence of a highly stabilized population of F‐actin at all stages of development. Super‐resolution microscopy reveals an F‐actin cytoskeleton that is concentrated at the ends of the elongating gametocyte but extends inward along the microtubule cytoskeleton. Formin‐1 is also concentrated at the gametocyte ends suggesting a role in actin stabilization. Immunoelectron microscopy confirms that the actin cytoskeleton is located under the inner membrane complex rather than in the sub‐alveolar space. In stage V gametocytes, the actin and microtubule cytoskeletons are reorganized in a coordinated fashion. The actin‐depolymerizing agent, cytochalasin D, depletes actin from the end of the gametocytes, whereas the actin‐stabilizing compound, jasplakinolide, induces formation of large bundles and prevents late‐stage disassembly of the actin cytoskeleton. Long‐term treatment with these compounds is associated with disruption of the normal mitochondrial organization and decreased gametocyte viability.
Effect of corporate governance on ceo pay - risk taking association: empirical evidence from australian financial institutions

ABSTRACT:This study explores the impact of board structures on risk taking-CEO pay association in Australian financial institutions. Using a panel data of 45 listed Australian financial institutions for the period 2004–2015, we examine the empirical relationship between firms expected default probability and CEO pay. Our results show that deposit taking institutions with a greater number of nonexecutive directors on the board generally have an expected default probability (EDP) that is more sensitive to CEO short-term employee benefits. However, a lower response of EDP to changes in CEO short-term employee benefits in non-deposit taking institutions is observed. To a large extent, this phenomenon is explained by the existence of moral hazard problem in banking industry. As depositors are insured against losses, nonexecutive directors may fail to monitor executives taking on risky investments that generate short-term gains in order to boost their cash bonus and other short-term risk remuneration. Our results suggest that boards associated with more nonexecutive directors’ increase (reduce) the responsiveness of expected default probability to changes in CEO short-term employee benefits (long-term variable remuneration pay). We observe that Australian financial institutions with large boards are linked to EDP which is sensitive to both CEO short-term and long-term remuneration incentives. Institutions with larger boards motivate their CEOs to invest in high risk financial assets, consequently escalating the level of CEO risk-taking. Finally, independence of the board members plays a critical role in reducing the level of CEO risk-taking only if CEO remuneration is largely made of long-term incentives remuneration such as options and share restricted payments. In line with other studies from US, boards should use long-term incentives in CEO remuneration to reduce agency costs and increase firm value.
Optimization of Transcutaneous Vagus Nerve Stimulation Using Functional MRI

Vagus nerve stimulation (VNS) is an established therapy for drug‐resistant epilepsy, depression, and a number of other disorders. Transcutaneous stimulation of the auricular branch of the vagus nerve (tVNS) has been considered as a non‐invasive alternative. Several functional magnetic resonance imaging (fMRI) studies on the effects of tVNS used different stimulation parameters and locations in the ear, which makes it difficult to determine the optimal tVNS methodology. The present study used fMRI to determine the most effective location for tVNS.
RGS4 Polymorphisms Predict Clinical Manifestations and Responses to Risperidone Treatment in Patients With Schizophrenia

Objective: Polymorphisms of the gene encoding the regulator of G-protein signaling subtype 4 (RGS4) are associated with schizophrenia. This study aims to investigate the association of 4 RGS4 polymorphisms (single nucleotide polymorphisms [SNPs] 1, 4, 7, and 18), implicated in previous studies, with baseline symptoms and treatment response to risperidone in patients with schizophrenia. Methods: One hundred twenty patients with acutely exacerbated schizophrenia who had never been treated by atypical antipsychotics were recruited. They received optimal treatment of risperidone for up to 42 days in the inpatient research unit. Patients' social functions were monitored by Nurses' Observation Scale for Inpatients Evaluation and clinical manifestations, by Positive and Negative Syndrome Scale. Results: At baseline status, the A/A genotype at SNP7 of RGS4 was associated with poorer social function when compared with the G/G genotype. After risperidone treatment, the A/A genotype at SNP1 was associated with greater improvement at social function, and the A/A genotype at SNP18 was associated with greater improvement at social function, Positive and Negative Syndrome Scale total score, and positive- and negative-symptom subscale. Conclusions: These findings suggest that RGS4 variances influence clinical manifestations of schizophrenia as well as the treatment response to risperidone, suggesting that RGS4 plays a role in the fundamental process of disease pathophysiology.
Study on Cu Protrusion of Through-Silicon Via

The through-silicon via (TSV) approach is essential for 3-D integrated circuit (3-DIC) packaging technology. TSV fabrication process, however, is still facing several challenges. One of the widely known challenges is via protrusion. Annealing a TSV wafer puts the copper (Cu) TSVs under high stress and may form a protrusion where the Cu is forced out of the blind TSV. This phenomenon occurs because the large mismatch in the coefficient of thermal expansion between Cu via and silicon (Si) surrounding it. Cu protrusion can lead to crack or delamination of the back-end-of-line, thus, it is a risky threat to the metal layer interconnect. Experiments are conducted to characterize the protrusion using several techniques. Scanning electron microscopes and atomic force microscopes are used to observe the protrusion shape and measure the height. An electron backscatter diffraction technique is implemented to study the grain size distribution and evolution inside Cu vias. For the experiment, arrays of 5-$\mu{\rm m}$ TSVs are fabricated and annealed in nitrogen gas environment in different temperatures. In this paper, finite element analysis (FEA) is carried out to study the Cu protrusion under different annealing conditions. Correlation between numerical results and experimental data is then carried out. Based on the verified FEA methodology, several parametric studies are then conducted, including the effect of via diameter, depth, pitch, annealing temperature, and duration on Cu protrusion and TSV stress. The simulation results help to understand and solve the key problem in TSV fabrication process and reliability challenge.