Miracle-dz/UniFAR-FTUs huggingface dataset:
A Comparison of Retirement Strategies and Financial Planner

Consumption and savings decisions made in the earlier stages of the life cycle can have a disproportionately large impact on retirement preparedness. These saving decisions have had an even greater impact on U.S. household welfare over the last two decades, as the responsibility for funding retirement has shifted from employers to employees (Milevsky, Chen, and Zhu 2007). According to the Employee Benefit Research Institute (EBRI), only 38 percent of all private workers participate in employer sponsored defined contribution plans, and just 14 percent of Americans are confident in their ability to retire comfortably (Helman, Copeland, and VanDerhei 2012). Greater employee responsibility for funding retirement means that individuals, rather than pension professionals, must estimate how much saving is needed to provide an adequate retirement income (Poterba, Rauh, Venti, and Wise 2007). A lack of financial knowledge and sophistication among many American workers may contribute to inefficient retirement savings (Lusardi and Mitchell 2009). Most American households cannot maintain a constant level of consumption in retirement with their current retirement savings (Bernheim 1993; Mitchell and Moore 1998; Yuh, Montalto, and Hanna 1998), and one-third of retirees obtain 90 percent of their income from Social Security, according to 2012 data from the Social Security Administration. This shift in retirement funding responsibility, coupled with the complexity of the investment process, should increase demand for professional financial advice (Milevsky et al. 2007). Professional financial planners can help households accurately estimate the amount of retirement income needed to fund household retirement goals. Additionally, a financial planner can provide a financial plan that involves establishing the steps needed to meet a retirement goal and facilitate regular interaction to evaluate progress. A financial planner may also increase a worker’s awareness of the consequences of low savings, reduce the psychic costs of making complex choices, and help improve investment performance and tax efficiency within household portfolios. A Comparison of Retirement Strategies and Financial Planner Value
Role of the c‐myc and the N‐myc proto‐oncogenes in the immortalization of neural precursors

To study the role of c‐myc and N‐myc in the immortalization of neural precursors, we infected neuroepithelial cells isolated from 10‐day‐old mouse embryos with a new retrovirus vector, pzen, harboring either the c‐myc or the N‐myc oncogene. The immortalized cell lines contain high levels of the virally expressed myc protein. The amount of myc proteins correlated with the capacity of the cells to differentiate spontaneously in vitro into neurons and glia; cell lines expressing high levels of myc protein can differentiate spontaneously while cell lines expressing low levels of the myc protein resemble epithelial cells. Addition of acidic or basic fibroblast growth factor enhanced differentiation of most cell lines. Some of the cell lines produced neurotrophic growth factors capable of supporting the growth of other cell lines at low density. There was no significant difference between cell lines immortalized with c‐myc or with N‐myc. Most of the immortalized cell lines generated from bipotential precursors are capable of differentiating into neurons and glia.
A Hierarchical Bayes Error Correction Model to Explain Dynamic Efiects of Promotions on Sales

For promotional planning and market segmentation it is important to understand the short-run and long-run efiects of the marketing mix on category and brand sales. In this paper we put forward a sales response model to explain the difierences in short-run and long-run efiects of promotions on sales. The model consists of a vector autoregression rewritten in error-correction format which allows us to disentangle the long-run efiects from the short-run efiects. In a second level of the model, we correlate the short-run and long-run elasticities with various brandspeciflc and category-speciflc characteristics. The model is applied to weekly sales of 100 difierent brands in 25 product categories. Our empirical results allow us to make generalizing statements on the dynamic efiects of promotions in a statistically coherent way.
Phosphorylation of Tyrosine 291 Enhances the Ability of WASp to Stimulate Actin Polymerization and Filopodium Formation*

Wiskott-Aldrich Syndrome protein (WASp) is a key regulator of the Arp2/3 complex and the actin cytoskeleton in hematopoietic cells. WASp is capable of forming an auto-inhibited conformation, which can be disrupted by binding of Cdc42 and phosphatidylinositol 4,5-bisphosphate, leading to its activation. Stimulation of the collagen receptor on platelets and crosslinking the B-cell receptor induce tyrosine phosphorylation of WASp. Here we show that the Src family kinase Hck induces phosphorylation of WASp-Tyr291 independently of Cdc42 and that this causes a shift in the mobility of WASp upon SDS-PAGE. A phospho-mimicking mutant, WASp-Y291E, exhibited an enhanced ability to stimulate actin polymerization in a cell-free system and when microinjected into primary macrophages induced extensive filopodium formation with greater efficiency than wild-type WASp or a Y291F mutant. We propose that phosphorylation of Tyr291directly regulates WASp function.
Efficacy of catheter ablation for atrial fibrillation in patients with a permanent pacemaker for sick sinus syndrome.

OBJECTIVE To study the clinical efficacy of catheter ablation for paroxysmal atrial fibrillation (AF) in patients with a permanent pacemaker (PM) for sick sinus syndrome (SSS). METHODS Our prospectively established database of patients who underwent circumferential pulmonary vein (PV) ablation for paroxysmal AF was retrospectively reviewed. A total of 41 patients with a permanent PM for the treatment of SSS (SSS+PM group) and 123 age- and gender-matched control subjects (on a 1: 3 basis) without SSS or a permanent PM (no-SSS+no-PM group) were included in this study. AF recurrence was defined as the occurrence of confirmed atrial tachyarrhythmia lasting more than 30 seconds beyond three months after catheter ablation in the absence of any antiarrhythmic treatment. RESULTS During a mean follow-up period of 18.3±10.6 months (range 3-30 months), 50 patients (30.5%) developed recurrence of AF. The recurrence rate was higher in the SSS+PM group than in the no-SSS+no-PM group (43.9% vs. 26.3%, p=0.011). A Cox regression analysis adjusted for age, valvular heart disease, left atrial (LA) diameter and PV isolation identified only SSS and the use of a PM together as an independent predictor of recurrence of AF (hazard ratio 2.02, 95% confidence interval 1.10-3.69, p=0.023). CONCLUSION Patients with a permanent PM for SSS are at an increased risk of recurrence of AF after catheter ablation.
Factors Facilitating and Inhibiting the Use of Research to Inform Interpretation Practice: A Case Study of Australian Protected Area Management Agencies

ABSTRACT Interpretation research can be and is used to inform and improve interpretation policymaking and planning undertaken by practitioners such as those who work for Australian protected area management (PAM) agencies. This study explores perceptions of the extent to which interpretation research is undertaken and used by these agencies, and the facilitators and constraints to doing so. In-depth telephone interviews were conducted with senior interpretation planners and managers in all Australian PAM agencies. The findings indicate that interpretation research is usually prompted by a crisis or a short-term need such as a specific project and that most research is site-specific and content-focused, while respondents see a need for more longitudinal and evaluation-focused research. Two-thirds of the respondents reported that their agency made poor or no use of research findings for improving interpretation practice. Stated barriers to undertaking and using research included lack of funding, lack of time and that research was not considered an agency priority. Underpinning these were perceptions consistent with diffusion of innovation theory (e.g., that doing or using research is perceived as being too complex, not compatible with agency goals or not offering relative advantage). Strategies for removing these perceptual barriers to undertaking and using interpretation research and research findings are presented.
TGGA repeats impair nucleosome formation.

Nucleosomes, the building blocks of chromatin, are responsible for DNA packaging in eukaryotic cell nuclei. They play a structural role in genome condensation, and influence transcription and replication. Properties of the DNA sequence, such as curvature and flexibility, direct the location of nucleosomes. DNA sequences that position nucleosomes have been identified and rules that govern their properties have been formulated. However, DNA sequences that are refractory to nucleosome formation have been less well characterised and it is possible that they may perturb or alter chromatin structure. Here we identify such sequences by selecting those that refrain from nucleosome formation from a large pool of synthetic DNA fragments with a central region of 146 random base-pairs fitted with adapters for PCR amplification. These were used for in vitro salt-induced reconstitution of nucleosomes under thermodynamic equilibrium conditions. Fragments that did not form nucleosomes were purified, amplified by PCR, and the reconstitution was repeated. After 17 rounds of negative selection, the material was highly enriched in sequences reluctant to form nucleosomes. Cloning and sequencing revealed that 35% of the molecules had long repeats of TGGA, and their affinity for histone octamers was about half that of average DNA.
Design and hybrid analysis of an integrated 60 GHz active phased array transmitter using a power amplifier and 360° phase shifter

The overall circuit designing of one path phased array transmitter consisting of 90 nm CMOS integrated power amplifier and passive phase shifter for the first three channels in 60 GHz band, is described. The performance investigation is based on a hybrid analysis and optimization. It consists of both electromagnetic (Method of Moments (MOM)) analysis for improving the accuracy of the models in this frequency and circuit analysis (Harmonic Balance (HB) - Circuit Envelope (CE)) in order to evaluating the nonlinearity behavior of the transmitter, for the passive and active parts, respectively. This procedure resulted in an acceptable performance of the average insertion gain of 13dB, peak PAE of 12.5%, P1dB of 7.5dBm, and 360° continues phase shifting for one path transmitter, which is desirable for 60 GHz phased array front ends. Furthermore the output constellation and spectrum satisfy the single carrier (SC) IEEE 802.15. 3c standard.
Putting sustainable supply chain management into base of the pyramid research

Purpose – The aim of this paper is to analyze which sustainable supply chain management (SSCM) arguments are addressed in the base of the pyramid (BoP)-related research. BoP projects address how companies contribute to fulfilling the needs of the poorest populations; increasingly, academics are applying theory to explain these projects. The need for integrating the BoP population into value-adding activities is widely acknowledged, but this is not yet reflected in supply chain management (SCM)-related concepts. The links to SSCM are frequently mentioned but in a scattered manner. Design/methodology/approach – The paper presents a structured literature review of BoP papers published between 2000 and 2014 in peer-reviewed, English-speaking journals available on Web of Science. A content analysis of BoP papers is conducted based on SSCM constructs from the framework presented by Beske and Seuring (2014). Findings – The frequencies of SSCM constructs identified in the BoP papers indicate the prevalence of SSC.
Honey improves spermatogenesis and hormone secretion in testicular ischaemia–reperfusion‐induced injury in rats

This study was conducted to survey the protective effect of pre‐treatment with Persian honey during post‐ischaemia reperfusion on ischaemia–reperfusion (IR)‐induced testis injury. Animals were divided into four groups of IR, honey + ischaemia‐ reperfusion (HIR), vitamin C + ischaemia‐ reperfusion (VIR) and carbohydrates + ischaemia‐ reperfusion (CIR). The testes were examined for spermatogenesis index. Detection of single‐ and double‐stranded DNA breaks at the early stages of apoptosis was performed. Total serum concentration of FSH, LH and testosterone was measured using ELISA. All data were expressed as mean ± SD in each group, and significance was set at p ≤ . 05. Spermatogenesis index was significant in the HIR group (p < .001). Serum levels of FSH and LH were significantly higher in the CIR and HIR groups. Serum levels of testosterone were significantly higher in VIR and HIR groups. Apoptotic cells in IR and CIR groups increased significantly statistically (p < .001), while in HIR and VIR groups, the number of apoptotic cells decreased and the positive cells of TUNEL staining were detected in spermatocytes and spermatid. The present study indicates that honey decreases the cellular damage and apoptosis during testicular I/R injury, with significant protective effects on reproductive hormone production.
Likelihood-based inference for zero-or-one augmented rectangular beta regression models

A new zero-and/or-one augmented beta rectangular regression model is introduced in this work, which is based on a new parameterization of the rectangular beta distribution. Maximum likelihood estimation is performed by using a combination of the EM algorithm (for the continuous part) and Fisher scoring algorithm (for discrete part). Also, we develop techniques of model fit assessment, by using the randomized quantile residuals and model selection, considering criteria, such as AIC and BIC. We conducted several simulation studies, considering some situations of practical interest, in order to evaluate the parameter recovery of the proposed model and estimation method, the impact of transforming the observed zeros and ones with the use of non-augmented models and the behavior of the model selection criteria. A psychometric real data set was analyzed to illustrate the performance of the new approach considering the model studied.
Tunneled transposition flap for reconstruction of defects of the nasal ala.

The extirpation of cutaneous malignancies from the nasal alae is a task that many Mohs surgeons undertake on almost a daily basis. Although the entire nose is a cosmetically significant structure, the nasal alae are particularly sensitive. Suboptimal reconstructions can leave a patient with a striking asymmetry and poor functional results. One of the most difficult types of alar defects to repair is the deep alar defect. Such defects do not readily lend themselves to skin grafts, and any planned flap reconstruction must seek to preserve the architecture of the alar crease, alar rim, and the nasolabial fold. With traditional methods for reconstruction of this type of defect, one or more of these considerations may be sacrificed. We shall describe a single-stage, tunneled transposition flap that is especially useful for this type of defect and produces excellent aesthetic results.
MULTIPARAMETER QUANTITATIVE COMPUTER‐ASSISTED TOMOGRAPHY ASSESSMENT OF UNICOMPARTMENTAL KNEE ARTHROPLASTIES

Background: Unicompartmental knee arthroplasty is a popular alternative to total knee replacement in selected patients. Component alignment has not yet been described by computer‐assisted tomography (CAT) imaging techniques; these have been developed for total knee arthroplasty analysis. The aims of this study were to report two new technologies; a new unicompartmental knee arthroplasty system was radiographically assessed with a new CAT scan protocol.
Lifestyle, obesity, and insulin resistance.

The prevention of diabetes is an urgent worldwide public health concern. The period preceding onset of type 2 diabetes is typically characterized by obesity and insulin resistance induced by overeating and physical inactivity. In the 1970s, Belloc and Breslow (1) presented evidence that physical health is associated with the following seven favorable habits: sleeping 7–8 h, eating breakfast almost every day, avoiding eating between meals, maintaining a desirable weight with respect to height, participating in active sports, limiting alcohol intake, and avoiding smoking cigarettes. We studied the relationships between unhealthy habits and the presence of obesity and insulin resistance. Subjects consulting the …
Risk stratification of HBV infection in Asia-Pacific region

Hepatitis B virus (HBV) infection is the major etiology of chronic liver disease worldwide and thus a global health problem, especially in Asia-Pacific region. The long-term outcomes of Asian HBV carriers vary widely; however, a significant proportion of them will finally develop end-stage liver disease. Over the past decade, several host and HBV factors predictive of clinical outcomes in Asian HBV carriers have been identified. The community-based REVEAL-HBV study illustrated the strong association between HBV-DNA level at study entry and risk of HCC over time, and male gender, older age, high serum alanine aminotransferase (ALT) level, positive HBeAg, higher HBV-DNA level, HBV genotype C infection and core promoter mutation are independently associated with a higher hepatocellular carcinoma (HCC) risk. Another hospital-based ERADICATE-B cohort further validated the HCC risk started to increase when HBV-DNA level was higher than 2,000 IU/mL. Of particular note, in patients with low viral load (HBV-DNA level <2,000 IU/mL), HBsAg level ≥1,000 IU/mL was a new independent risk factor for HCC. With the results from REVEAL-HBV study, a risk calculator for predicting HCC in adult non-cirrhotic patients has been developed and validated by independent international cohorts (REACH-B). With the combination of HBV-DNA, HBsAg, and ALT levels, ERADICATE-B study proposed an algorithm to predict disease progression and categorize risk levels of HCC as well as corresponding management in Asian HBV carriers. The introduction of transient elastography may further enhance the predictive power. In conclusion, HBsAg level can complement HBV-DNA level for the risk stratification of disease progression in Asian adult patients with chronic HBV infection.
Service innovation strategy and process: a cross‐national comparative analysis

Purpose – Only limited attention has been paid to the issue of new service development (NSD) in a cross‐national context. To address this critique of the literature a comparative cross‐national study of NSD strategy and process of financial service firms in Australia and the USA was conducted.Design/methodology/approach – The study employs a cross‐sectional, survey‐based methodology. The US sampling frame included 274 large financial service firms situated in the Northeast region of the USA. The Australian sampling frame consisted of 262 firms situated in the Southeast region of Australia.Findings – The data pattern suggests that the firms in both the countries use different new service strategies to compete in the industry and emphasize different sets of development stages in developing new services.Research limitations/implications – The analysis has been restricted to two countries: Australia and the USA. This suggests the need for further comparative studies of NSD in other cultures/countries.Practica.
Networking and women entrepreneurs: Beyond patriarchal traditions

Entrepreneurs have changed the corridors of trade, commerce, and markets, through new goods, services and provide ways to modernization and creativeness. It is determined that forces of patriarchy, to a great extent manipulating their professional role and prohibit women to take part in economic activities independently. The study emphasized whether networking enable intended female entrepreneurs to overcome social, cultural, legal, and religious barriers faced by women entrepreneurs in Pakistan. The target population for this study was 950 women entrepreneurs (N = 950) and the sample size consisted of 428 women entrepreneurs engaged in SME all over Pakistan (n = 428). This study used non-probability snowball sampling technique. The study was carried out in two stages with independent sample. The present study proves that networking is supporting women entrepreneurship. The study shows that capability and opportunity recognition is higher among those women who are young, engaged in networking, and have business management background. Key words: Networking, women entrepreneurship, women entrepreneurs, entrepreneurial capability, opportunity recognition, and patriarchal traditions.
Seasonal Abscisic Acid Signal and a Basic Leucine Zipper Transcription Factor, DkbZIP5, Regulate Proanthocyanidin Biosynthesis in Persimmon Fruit1[C][W][OA]

Proanthocyanidins (PAs) are secondary metabolites that contribute to plant protection and crop quality. Persimmon (Diospyros kaki) has a unique characteristic of accumulating large amounts of PAs, particularly in its fruit. Normal astringent-type and mutant nonastringent-type fruits show different PA accumulation patterns depending on the seasonal expression patterns of DkMyb4, which is a Myb transcription factor (TF) regulating many PA pathway genes in persimmon. In this study, attempts were made to identify the factors involved in DkMyb4 expression and the resultant PA accumulation in persimmon fruit. Treatment with abscisic acid (ABA) and an ABA biosynthesis inhibitor resulted in differential changes in the expression patterns of DkMyb4 and PA biosynthesis in astringent-type and nonastringent-type fruits depending on the development stage. To obtain an ABA-signaling TF, we isolated a full-length basic leucine zipper (bZIP) TF, DkbZIP5, which is highly expressed in persimmon fruit. We also showed that ectopic DkbZIP5 overexpression in persimmon calluses induced the up-regulation of DkMyb4 and the resultant PA biosynthesis. In addition, a detailed molecular characterization using the electrophoretic mobility shift assay and transient reporter assay indicated that DkbZIP5 recognized ABA-responsive elements in the promoter region of DkMyb4 and acted as a direct regulator of DkMyb4 in an ABA-dependent manner. These results suggest that ABA signals may be involved in PA biosynthesis in persimmon fruit via DkMyb4 activation by DkbZIP5.
Interpersonal control, dehumanization, and violence: A self-determination theory perspective

Interpersonally controlling approaches are often used to keep individuals in line, ostensibly in order to create a safer, more civilized society. Ironically, emerging research findings indicate that when people feel controlled, they often respond by behaving in a less civilized, more antisocial manner (Gagné, 2003; Knee, Neighbors, & Vietor, 2001; Mask, Blanchard, Amiot, & Deshaies, 2005; McHoskey, 1999). The present research investigation explored whether a process of mechanistic dehumanization might help to explain the observed relation between interpersonal control and antisocial behavior, specifically with regard to tendencies toward violence. The results indicated that a significant relation between interpersonal control and tendencies toward interpersonal violence was partially mediated by perceived mechanistic dehumanization.