Miracle-dz/UniFAR-FTUs huggingface dataset:
Subprime and Prime Mortgages – Loss Distributions

This paper links the probabilities of default and prepayments to the distribution of losses associated with a synthetic portfolio of Fannie Mae and Freddie Mac mortgages randomly samples from 30-year fixed rate prime and subprime mortgages. The simulations exploit historical relationships found between mortgage characteristics and economic conditions in time and space as estimated in a competing risk conditional default and prepayment hazard model and a loss given default model.
Restitution of function and collateral sprouting in the cat spinal cord: The deafferented animal

Unilateral hindlimb deafferentation is followed initially by generalized loss of all reflex and useful function. As useful movement returns, certain descending reflexes recover and become hyperactive: crossed reflexes do not. Recovery of movement and reflex hyperactivity are then abolished by subsequent destruction of the ipsilateral descending systems. Although there is no sprouting from contralateral dorsal roots, bilateral degeneration of descending systems is asymmetrical, being greater in density and distribution on the previously deafferented side. Collateral sprouting to certain spinal laminae apparently took place during the recovery period from the same source which mediated reflex hyperactivity; the ipsilateral descending systems. A substantial descending projection to Clarke's nucleus was found only on the experimental side, however, suggesting that a central feedback system replaced the abolished peripheral feedback. If functional, this might subserve recovery of the ability to maintain a limb position.
The impact of Indonesian peatland degradation on downstream marine ecosystems and the global carbon cycle

Tropical peatlands are among the most space‐efficient stores of carbon on Earth containing approximately 89 Gt C. Of this, 57 Gt (65%) are stored in Indonesian peatlands. Large‐scale exploitation of land, including deforestation and drainage for the establishment of oil palm plantations, is changing the carbon balance of Indonesian peatlands, turning them from a natural sink to a source via outgassing of CO2 to the atmosphere and leakage of dissolved organic carbon (DOC) into the coastal ocean. The impacts of this perturbation to the coastal environment and at the global scale are largely unknown. Here, we evaluate the downstream effects of released Indonesian peat carbon on coastal ecosystems and on the global carbon cycle. We use a biogeochemical box model in combination with novel and literature observations to investigate the impact of different carbon emission scenarios on the combined ocean–atmosphere system. The release of all carbon stored in the Indonesian peat pool, considered as a worst‐case scenario, will increase atmospheric pCO2 by 8 ppm to 15 ppm within the next 200 years. The expected impact on the Java Sea ecosystems is most significant on the short term (over a few hundred years) and is characterized by an increase of 3.3% in phytoplankton, 32% in seagrass biomass, and 5% decrease in coral biomass. On the long term, however, the coastal ecosystems will recover to reach near pre‐excursion conditions. Our results suggest that the ultimate fate of the peat carbon is in the deep ocean with 69% of it landing in the deep DIC pool after 1000 years, but the effects on the global ocean carbonate chemistry will be marginal.
Perceived social norms, psychological capital and entrepreneurial intention among undergraduate students in Bukavu

Purpose Entrepreneurship is important for economic growth, through its role in the provision of employment. In the recent past, a number of African universities have developed entrepreneurship education courses to facilitate the growing demand for entrepreneurs in the market. An immediate outcome anticipated from entrepreneurship education is to increase entrepreneurial intention (EI) among the participants. Unfortunately, most of the entrepreneurship education in developing economies has not been linked to an increase in the EI of students. This paper thus proposes that it is when students possess high levels of psychological capital and perceive positive social norms that entrepreneurship education will lead to positive EI. The purpose of this paper is to establish the relationship between perceived social norms (PSN), psychological capital and EI of university students. Design/methodology/approach Quantitative data were collected through a self-administered questionnaire on a random sample of 196 final year entrepreneurship and business management students, from three universities in Bukavu (East of DRC). Structural equation modeling was used to test the research hypotheses. Findings The paper provides four main findings. First, PSN and psychological capital have a positive significant effect on EI. Second, PSN contribute more to this effect than psychological capital. Third, PSN make a positive and significant effect on psychological capital. Lastly, psychological capital positively mediates the relationship between PSN and EI. Research limitations/implications This study could have benefited from a qualitative approach to have a more in-depth explanation of these relationships. The study is conducted amongst students who operate in a controlled environment. This may not reflect the actual behavior of entrepreneurs. Practical implications This work provides cues of what entrepreneurship educators should consider as they recruit and train students. Specifically, the study highlights the importance of students’ psychological capital and positive social norms in transforming entrepreneurial education into intention. Originality/value This study adds value to knowledge by highlighting the mediating role of psychological capital on the relationship between PSN and EI.
Novelty seeking and introversion do not predict the long-term risk of Parkinson disease

Objective: It has been suggested that people who develop Parkinson disease (PD) may have a characteristic premorbid personality. We tested this hypothesis using a large historical cohort study with long follow-up. Methods: We conducted a historical cohort study in the region including the 120-mile radius centered in Rochester, MN. We recruited 7,216 subjects who completed the Minnesota Multiphasic Personality Inventory (MMPI) for research at the Mayo Clinic from 1962 through 1965 and we considered 5 MMPI scales to measure sensation seeking, hypomania, positive emotionality, social introversion, and constraint. A total of 6,822 subjects (94.5% of the baseline sample) were followed over 4 decades either actively (via interview and examination) or passively (via medical records). Results: During follow-up, 227 subjects developed parkinsonism (156 developed PD). The 3 MMPI scales that we selected to measure the extroverted personality construct (sensation seeking, hypomania, and positive emotionality) did not show the expected pattern of higher scores associated with reduced risk of PD. Similarly, the 2 MMPI scales that we selected to measure the introverted personality construct (social introversion and constraint) did not show the expected pattern of higher scores associated with increased risk of PD. However, higher scores for constraint were associated with an increased risk of all types of parkinsonism pooled together (hazard ratio 1.39; 95% CI 1.06–1.84; p = 0.02). Conclusions: We suggest that personality traits related to introversion and extroversion do not predict the risk of PD.
The effect of oil pulling with rice bran oil, sesame oil, and chlorhexidine mouth rinsing on halitosis among pregnant women: A comparative interventional study

Context: Rice bran oil, owing to its potential antioxidant benefits, could be an effective and novel alternative to sesame oil for oil pulling. As it is safe and a growingly popular edible oil, it may be acceptable during pregnancy, especially in the Indian context where women may be hesitant to use chemical plaque control methods for preventing halitosis. Aims: The present study was conducted to compare the effects of oil pulling with rice bran oil, oil pulling with sesame oil, and oil pulling with chlorhexidine mouth rinsing on reducing halitosis among pregnant women. Settings and Design: Thirty pregnant women who attended the Gynecology Outpatient Department (OPD) of Muslim Medical Hospital, Haran Khana Road, Pani Gate, Vadodara, Gujarat, India, were recruited in the present randomized double-blind interventional study. Subjects and Methods: Eligible pregnant women individuals who gave consent for the study were randomly allocated to receive the interventions under investigation. Halitosis was measured at baseline and after 14 days of intervention using TANITA breath checker HC-212M-BL. Statistical Analysis Used: Data entry was done in Microsoft Excel 2007, and statistical analysis was performed using SPSS version 17. Wilcoxon signed rank tests were used to interpret the differences in baseline and postintervention halitosis levels. One-way ANOVA was done to compare the mean reduction in halitosis scores of the three intervention groups. Results: There was a statistically significant reduction in the grades of halitosis at baseline and 14 days after intervention for all the three groups. There was no statistically significant difference between chlorhexidine mouth rinsing, oil pulling with sesame oil, and oil pulling with rice bran oil in halitosis reduction. Conclusions: Rice bran oil when used in oil pulling was effective in reducing halitosis. It performed comparably and marginally superior to other agents tested in the study when change in halitosis postintervention was considered.
Measurement of intraocular pressure after epikeratophakia

AIMS To assess the accuracy of three commonly used tonometers in eyes after epikeratophakia. METHODS Five eye bank eyes with sutured epikeratophakia buttons were connected to a manometer and a pressure transducer. Intraocular pressure was adjusted in 5 mm Hg increments from 0 to 50 mm Hg. The intraocular pressure was measured at each increment using a Goldmann tonometer, a pneumatonometer, and a Tono-pen. RESULTS The difference between the manometer (actual pressure) and the Goldmann tonometer ranged from −19 to + 9 mm Hg (mean (SD) overestimation 2.6 (5.8) mm Hg). The pneumatonometer error ranged from −27.5 to + 5.5 mm Hg (mean (SD) overestimation 4.7 (6.1) mm Hg), and for the Tono-pen the range was −18 to + 11 mm Hg (mean (SD) overestimation 0.05 (7.9) mm Hg). The correlation coefficients for the three tonometers were 0.94, 0.92, and 0.87 for the Goldmann tonometer, pneumatonometer, and Tono-pen respectively. CONCLUSION The Goldmann tonometer had the best correlation with the manometer in eye bank eyes with epikeratophakia (correlation coefficient 0.94), but none of the tonometers was accurate over the entire range of pressures tested. Detection of glaucoma in eyes with epikeratophakia cannot rely on tonometry alone, but requires examination of the optic nerve and visual field.
Non Performing Loans on Regional Development Bank in Indonesia and Factors that Influence

This study aims to analyze the non-performing loan (NPL) in the Regional Development Bank (BPD) in Indonesia and determine the factors that can influence it. This study uses a quantitative approach. The data used in the form of panel data from the financial statements of Regional Development Bank in Indonesia as many as 26 banks 2009-2013. Factors examined its effect on the NPL is a measure of a bank (SIZE), the capital adequacy ratio (CAR), the level of bank efficiency (BOPO), the loan interest rate (LIR), and liquidity (LDR). Estimation model used is the Random Effects Model (REM) with the analytical technique used is multiple regression. The results showed that the NPL BPD 2:14% average is still within the tolerance limits set by Bank Indonesia. Variables that significantly affect the NPL is the level of efficiency of banks, mortgage interest rate and liquidity of banks. While the variable size of the bank and Modak adequacy ratio has no significant effect on the level of NPL. DOI: 10.5901/mjss.2015. v6n4p280
The Sensitive Nature of Social Trust to Intelligence

This study investigates the relationship between social trust and intelligence. The extreme bound analysis of Levine and Renelt is employed to directly assess the strength of the nexus. The findings confirm the positive and robust nexus between social trust and intelligence. We have contributed to the literature by confirming that the previously established positive linkage between intelligence and trust is not statistically fragile. In fact the nexus withstands further empirical scrutiny with more robust empirical strategies.
WATCH: Current Knowledge of the Terrestrial Global Water Cycle

AbstractWater-related impacts are among the most important consequences of increasing greenhouse gas concentrations. Changes in the global water cycle will also impact the carbon and nutrient cycles and vegetation patterns. There is already some evidence of increasing severity of floods and droughts and increasing water scarcity linked to increasing greenhouse gases. So far, however, the most important impacts on water resources are the direct interventions by humans, such as dams, water extractions, and river channel modifications. The Water and Global Change (WATCH) project is a major international initiative to bring together climate and water scientists to better understand the current and future water cycle. This paper summarizes the underlying motivation for the WATCH project and the major results from a series of papers published or soon to be published in the Journal of Hydrometeorology WATCH special collection. At its core is the Water Model Intercomparison Project (WaterMIP), which brings togeth.
Chief Executive Success in the Legislative Arena

American chief executives are popularly believed to play a crucial leadership role in the legislative process, but this role is not well understood by scholars. This article develops a model of executive leadership success in the legislative arena based on personal, institutional, political, and economic factors and tests that model with data on the legislative priorities of the 50 state governors in 1993–94. Institutional features of the executive, which have been the focus of much scholarship, are found to have little effect on a governor's legislative success. On the other hand, the nature of the legislature is quite important here, with more professional legislatures actually encouraging executive leadership. A governor's personal characteristics, political party, and a state's economy also influence a governor's legislative success. These findings point to the importance of examining chief executives in the context in which they work if we are to understand their role as legislative leader.
ATP-dependent mechanics of red blood cells

Red blood cells are amazingly deformable structures able to recover their initial shape even after large deformations as when passing through tight blood capillaries. The reason for this exceptional property is found in the composition of the membrane and the membrane-cytoskeleton interaction. We investigate the mechanics and the dynamics of RBCs by a unique noninvasive technique, using weak optical tweezers to measure membrane fluctuation amplitudes with μs temporal and sub nm spatial resolution. This enhanced edge detection method allows to span over >4 orders of magnitude in frequency. Hence, we can simultaneously measure red blood cell membrane mechanical properties such as bending modulus κ = 2.8 ± 0.3 × 10−19J = 67.6 ± 7.2 kBT, tension σ = 6.5 ± 2.1 × 10−7N/m, and an effective viscosity ηeff = 81 ± 3.7 × 10−3 Pa s that suggests unknown dissipative processes. We furthermore show that cell mechanics highly depends on the membrane-spectrin interaction mediated by the phosphorylation of the interconnection protein 4.1R. Inhibition and activation of this phosphorylation significantly affects tension and effective viscosity. Our results show that on short time scales (slower than 100 ms) the membrane fluctuates as in thermodynamic equilibrium. At time scales longer than 100 ms, the equilibrium description breaks down and fluctuation amplitudes are higher by 40% than predicted by the membrane equilibrium theory. Possible explanations for this discrepancy are influences of the spectrin that is not included in the membrane theory or nonequilibrium fluctuations that can be accounted for by defining a nonthermal effective energy of up to Eeff = 1.4 ± 0.1 kBT, that corresponds to an actively increased effective temperature.
Relationship between childhood sexual abuse, weight, and attitudes toward obesity in lesbians

In many professional practice settings, it is very likely that social workers will work with female clients who identify as lesbian or bisexual. These sexual minority females are more likely to be overweight or obese, have a history of childhood sexual abuse, and have more positive attitudes toward overweight and obesity than heterosexual women. In this study, the author sought to identify the relationship between childhood sexual abuse, obesity, (specifically, body mass index [BMI]), and attitudes toward obesity among lesbian and bisexual women. Eighty-five sexual minority females completed a survey. Childhood sexual abuse was found to be positively correlated with BMI. However, lesbians’ attitudes toward obesity were not associated with childhood sexual abuse nor were they found to be associated with BMI. Additionally, lesbians did not report significantly different attitudes toward BMI based on their own BMI and history of childhood sexual abuse. These findings are further discussed in the context of previous research, limitations, and implications for direct practice.
Intensive gait training with rhythmic auditory stimulation in individuals with chronic hemiparetic stroke: a pilot randomized controlled study.

BACKGROUND Motor relearning protocols should involve task-oriented movement, focused attention, and repetition of desired movements. OBJECTIVES To investigate the effect of intensive gait training with rhythmic auditory stimulation on postural control and gait performance in individuals with chronic hemiparetic stroke. METHODS Twenty patients with chronic hemiparetic stroke participated in this study. Subjects in the Rhythmic auditory stimulation training group (10 subjects) underwent intensive gait training with rhythmic auditory stimulation for a period of 6 weeks (30 min/day, five days/week), while those in the control group (10 subjects) underwent intensive gait training for the same duration. Two clinical measures, Berg balance scale and stroke specific quality of life scale, and a 2-demensional gait analysis system, were used as outcome measure. To provide rhythmic auditory stimulation during gait training, the MIDI Cuebase musical instrument digital interface program and a KM Player version 3.3 was utilized for this study. RESULTS Intensive gait training with rhythmic auditory stimulation resulted in significant improvement in scores on the Berg balance scale, gait velocity, cadence, stride length and double support period in affected side, and stroke specific quality of life scale compared with the control group after training. CONCLUSIONS Findings of this study suggest that intensive gait training with rhythmic auditory stimulation improves balance and gait performance as well as quality of life, in individuals with chronic hemiparetic stroke.
Experiences Using Pre‐Exposure Prophylaxis for Safer Conception Among HIV Serodiscordant Heterosexual Couples in the United States

Abstract Antiretroviral pre‐exposure prophylaxis (PrEP) is a promising HIV prevention strategy for HIV serodiscordant couples (HIV‐infected male, uninfected female) seeking safer conception. However, most research on PrEP for safer conception has focused on couples in sub‐Saharan Africa; little is known about the perspectives or experiences of heterosexual couples in the United States. We conducted qualitative interviews with six couples (six women and five of their male partners) receiving PrEP for conception services at an urban safety net hospital in the US Northeast. In‐depth interview guides explored couple relationships and contextual factors and attitudes, perceptions, and decision‐making processes surrounding PrEP for safer conception. Thematic analyses focused on identifying the following emergent themes. We found that couple relationships were situated within broader social and cultural contexts of immigration, family, and community that shaped their experiences with HIV and serodiscordant relationship status. Despite strong partner support within relationships, HIV stigma and disapproval of serodiscordant relationships contributed to couples’ feelings of social isolation and subsequent aspirations to have “normal” families. By enabling “natural” conception through condomless sex, PrEP for safer conception provided a sense of enhanced relationship intimacy. Couples called for increasing public awareness of PrEP through positive messaging as a way to combat HIV stigma. Findings suggest that relationship dynamics and broader social contexts appear to shape HIV serodiscordant couples’ fertility desires and motivations to use PrEP. However, increased public awareness of PrEP for safer conception may be needed to combat HIV stigma at the community level.
Analysis of cathepsin-K levels in biologic fluids from healthy or diseased natural teeth and dental implants.

PURPOSE Cathepsin-K is an enzyme involved in bone metabolism. This feature may make it important both for natural teeth and dental implants. The aims of the present study were to comparatively analyze cathepsin-K levels in gingival crevicular fluid (GCF) and peri-implant sulcus fluid (PISF) and to determine whether GCF and PISF cathepsin-K profiles reflect the clinical periodontal/peri-implant status. MATERIALS AND METHODS Clinical parameters (probing depth, Gingival Index, Plaque Index, and bleeding on probing) were recorded, and GCF/PISF samples were obtained from natural teeth (group T) and dental implants (group I), which were divided into groups based on health (clinically healthy, gingivitis/peri-implant mucositis, and periodontitis/peri-implantitis). Cathepsin-K activity was determined with a commercially available cathepsin-K activity assay kit (BioVision). RESULTS Sixty natural teeth and 68 dental implants were examined. Teeth with periodontitis (group T-3) showed significantly higher total cathepsin-K activity (10.39 units) than teeth with gingivitis (group T-2, 1.71 units) and healthy teeth (group T-1, 1.90 units). The difference in cathepsin-K activity between groups T-2 and T-1 was not significant. Implants with peri-implantitis (group I-3) had higher total enzyme activity (10.26 units) than healthy implants (group I-1) (3.44 units). Although the difference between clinical parameters was not significant, group I-3 had higher cathepsin-K levels than group I-2 (4.74 units). When natural teeth (T-1, T-2, T-3) were compared to implants (I-1, I-2, I-3), no significant differences were observed for cathepsin-K levels. CONCLUSION More cathepsin-K activity was clearly observed with inflammatory periodontal and peri-implant destruction. The highest cathepsin-K levels detected in GCF and PISF samples, obtained from sites with periodontitis and peri-implantitis, suggests the potential involvement of cathespin-K in increased bone metabolism around natural teeth and dental implants.