Miracle-dz/UniFAR-FTUs huggingface dataset:
Distant Lending, Specialization, and Access to Credit

Small business lending has historically been very local, but distances between small businesses and their lenders have steadily increased over the last forty years. This paper investigates a new lending strategy made possible by distant small business lending: industry specialization. Using data on all Small Business Administration 7(a) loans from 2001-2017, we document a substantial increase in remote, specialized small business lenders, i.e., lenders that originate many distant loans and concentrate these loans within a small number of industries. These lenders target low-risk industries and, consistent with expertise, experience better loan performance within these industries. We then examine whether this industry-specialized lending serves as a substitute or complement to traditional, geographically specialized lending. We exploit the staggered entry of a remote, specialized lender to estimate the impact of specialized lending on credit access. Entry significantly increases total lending, with no evidence of substitution away from other lenders. The results indicate that specialized lending can deepen credit markets by providing new loans to low-risk but underfinanced small businesses.
Creepage discharge characteristics over solid-liquid interfaces with grounded side electrode

The properties of streamers traveling over the surface of oil-immersed solid dielectrics were experimentally studied under lightning impulse conditions. Streamer polarity and the position of a grounded side electrode significantly affected the relationship between the streamer extension length and the applied voltage. The solid surface charging had also a large effect on the streamer propagation. However, the streamer propagation properties showed a consistent dependence on the potential at solid-liquid interfaces. In addition, the potential drop inside the streamer channel was found as a function of normalized streamer length. The streamer appeared to progress in a constant velocity.
Review of Modern Motherhood and Women’s Dual Identities: Rewriting the Sexual Contract

Modern Motherhood and Women’s Dual Identities: Rewriting the Sexual Contract, by Petra Bueskens, London; New York: Routledge, £105, 2018, Hardback, ISBN 978-1-138-67742-5 Julie Stephens reviews Petra Bueskens’ book, Modern Motherhood and Women’s Dual Identities: Rewriting the Sexual Contract (Routledge, 2018).
Atomistic Investigation on Mechanical Properties of Sn-Ag-Cu Based Nanocrystalline Solder Material

In order to develop light weight electrical components, the nano-sized lead free solders have been identified as potential materials to provide better mechanical properties as compared to the conventional solders. Sn–Ag–Cu (SAC) solders have been widely acknowledged as one of the most promising replacements for Sn-Pb solders. In our previous work, mechanical properties of single crystal SAC solder material were investigated through atomistic simulation studies. In this work, the mechanical properties of nanocrystalline SAC305 (nc-SAC305) (96.5Sn-3.0Ag-0.5Cu) solder have been investigated through molecular dynamics (MD) simulations. A set of modified embedded atom method (MEAM) potential parameters have been proposed for nc-SAC solder. Impact of grain size, strain rate and temperature on the uniaxial tensile properties have been studied. The results have revealed an inverse Hall-Petch relationship in the nc-SAC305 material, and grain boundary decohesion is observed as the dominating failure mechanism. The results also suggest that the ultimate tensile strength of SAC305 significantly increases with increasing strain rate. Moreover, increased ductility and decreased ultimate tensile strength are observed at elevated temperatures.
The Impact of the Stratosphere on the MJO in a Forecast Model

This study examines the relationship between the Madden‐Julian oscillation (MJO) and stratospheric quasi‐biennial oscillation (QBO) in a state‐of‐the‐art global numerical weather forecast model. A set of 61‐day model integrations, with 15 ensemble members, is performed across 84 start dates during December–February of 1989–2016. For 28 of those dates—every 1 January—the stratosphere is initialized from observation, and the model simulates stronger MJO events during observed easterly QBO phases (QBOE) than westerly QBO phases (QBOW). However, in these “control experiments,” the QBO's impact on the MJO is already present in the initial conditions, and the direct influence of the model stratosphere during the simulation is unclear. To explore this more directly, the model was rerun with an artificially imposed QBOE and QBOW state, replacing the existing stratospheric initial condition above 150 hPa while leaving the troposphere unaltered. Though the imposed QBO states weaken faster in the model than in observations, their persistence is comparable to the control simulations. The MJO is stronger during imposed‐QBOE experiments than imposed‐QBOW, and differences are statistically significant by several metrics, though magnitude of the differences is smaller than in observations. Analysis suggests that the strength of the MJO response to the QBO increases for simulations with stronger upper‐tropospheric temperature differences and for simulations in which the MJO at the initialization time is strong and active over the Maritime Continent. However, tropospheric conditions still appear to have a dominant effect in explaining the apparent QBO influence in this model.
Occupancy Patterns in a Reintroduced Fisher Population during Reestablishment

Monitoring population performance in the years following species reintroductions is key to assessing population restoration success and evaluating assumptions made in planning species restoration programs. From 2008–2010 we translocated 90 fishers (Pekania pennanti) from British Columbia, Canada, to Washington’s Olympic Peninsula, USA, providing the opportunity to evaluate modeling assumptions used to identify the most suitable reintroduction areas in Washington and enhance understanding of fisher habitat associations in the late‐successional forest ecosystems in the coastal Pacific Northwest. From 2013–2016, we deployed 788 motion‐sensing cameras and hair (DNA)‐snaring devices distributed among 263 24‐km primary sampling units across the Olympic Peninsula. Our objectives were to determine whether occupancy patterns of the reestablishing population supported assumptions of the initial habitat assessment models, whether the population had expanded or shifted in distribution since the initial reintroductions, compare physical habitat attributes among land‐management designations, and determine whether the founding fishers had successfully reproduced. We predicted that site occupancy by fishers would be associated with landscapes characterized by high proportional coverage of dense forest canopies and medium‐sized and large trees, a diversity of stand structural classes, and area near the administrative boundary separating wilderness from more intensively managed forest lands. We detected fishers across designated wilderness, federal lands outside of wilderness, and other land designations in proportion to land availability on the Peninsula. We found negligible support for predictions that occupancy by fishers was associated with percent forest cover, tree‐ size class, or structural class diversity. Rather, occupancy was strongly associated with lands near the wilderness boundary on both sides. We speculate that the boundary between wilderness and more intensively managed forest lands provided fishers with the most suitable prey in proximity to contiguous expanses of low‐ to mid‐ elevation late‐successional forests that provided optimal resting, denning, and security values. Occupancy patterns shifted toward the west and south along a precipitation gradient during the study, indicating that population distribution had not yet stabilized 5–8 years following translocation. Genetic results indicated that ≥2 generations of fishers have been produced on the Peninsula. Annual occupancy rates across the Peninsula (0.08–0.24) were lower than in other previously studied and established fisher populations, indicating that not all habitat was fully occupied or that initial estimates of the extent of habitat was overestimated. The strong selection fishers exhibited for wilderness edge and weak selection against extensive forested wilderness areas suggested that habitat managers should strive for maintaining a suitable interspersion of required forest structures and biotic habitat components, such as prey resource availability. © 2019 The Wildlife Society.
Contextual Features of Geometrical Problems in Indonesian Mathematics Textbooks

This study aims to analyze series of Indonesia mathematics textbooks by observing whole tasks and its association with contextual features in geometry topic presented in the textbook. The study was carried out as there are only few studies conducted research on analysis of a textbook for geometry topic. A research method used in the study was textbook research employed in this study to achieve the purpose. The analysis was performed for 9 textbooks from 3 different well-known publishers (Kemendikbud, Erlangga and Yudhistira). Results show that it is more than 25% in average of whole pages in the textbook present geometry topic and there are more than 80% of geometric questions in the textbook belong to intra-mathematical context that is question not related to the real life. Details and further discussion will be elaborated in this paper.
A High-Performance Deep Learning Algorithm for the Automated Optical Inspection of Laser Welding

The battery industry has been growing fast because of strong demand from electric vehicle and power storage applications.Laser welding is a key process in battery manufacturing. To control the production quality, the industry has a great desire for defect inspection of automated laser welding. Recently, Convolutional Neural Networks (CNNs) have been applied with great success for detection, recognition, and classification. In this paper, using transfer learning theory and pre-training approach in Visual Geometry Group (VGG) model, we proposed the optimized VGG model to improve the efficiency of defect classification. Our model was applied on an industrial computer with images taken from a battery manufacturing production line and achieved a testing accuracy of 99.87%. The main contributions of this study are as follows: (1) Proved that the optimized VGG model, which was trained on a large image database, can be used for the defect classification of laser welding. (2) Demonstrated that the pre-trained VGG model has small model size, lower fault positive rate, shorter training time, and prediction time; so, it is more suitable for quality inspection in an industrial environment. Additionally, we visualized the convolutional layer and max-pooling layer to make it easy to view and optimize the model.
Neutrino Telescopes and High-Energy Cosmic Neutrinos

In this review paper, we present the main aspects of high-energy cosmic neutrino astrophysics. We begin by describing the generic expectations for cosmic neutrinos, including the effects of propagation from their sources to the detectors. Then we introduce the operating principles of current neutrino telescopes, and examine the main features (topologies) of the observable events. After a discussion of the main background processes, due to the concomitant presence of secondary particles produced in the terrestrial atmosphere by cosmic rays, we summarize the current status of the observations with astrophysical relevance that have been greatly contributed by IceCube detector. Then, we examine various interpretations of these findings, trying to assess the best candidate sources of cosmic neutrinos. We conclude with a brief perspective on how the field could evolve within a few years.
The More Divided Academy: Did the Fall of the Faculty and the Rise of the All-Administrative University Increase Racial Conflict in Higher Education?

Despite efforts to redress racial grievances, American’s most progressive institutional sector, higher education, suffers racial incidents with disturbing frequency. We hypothesize that one explanation lies in the bureaucratization of higher education. Various trends have led to what Benjamin Ginsberg calls “the fall of the faculty” and “the all-administrative university. ” We hypothesize that insulated from students and responsive to national employment markets, administrators adopt policies promoting the short-term appearance of successful integration, and driven by ideology. Faculty, in contrast, may focus on long-term student well-being, acknowledging policy tradeoffs. Using the North American Academic Survey Study (n = 1,643 faculty and 808 administrators), we construct statistical models of attitudes toward race-based undergraduate admissions and faculty hiring. Contrary to predictions, both faculty and administrators offer nuanced support for affirmative action acknowledging potential tradeoffs. Further, ideology better explains faculty than administrator support. Implications are discussed.
Magico-religious Beliefs in Schizophrenia: A study from Eastern part of Nepal

Background & Objectives: Schizophrenia is one of the commonest psychiatric disorders which require immediate interventions. Magico-Religious beliefs may affect the expression of psychopathology as beliefs are entrenched into human psyche. Local and community beliefs in such phenomena appeared to be a factor in influencing the decision to seek magico-religious treatment. This study aimed (1) to determine attitude of patients and relatives with respect to magico-religious beliefs and its influence on psychopathology, and (2) to examine the relationship between psychopathology and major sociodemographic variables. Materials & Methods: All 50 consecutive cases of schizophrenia attending psychiatric services during study period were thoroughly evaluated. All the cases were diagnosed as per ICD 10 DCR criteria. The supernatural attitude questionnaire was applied. Results: Fifty cases were studied. Among them, 48% belonged to the age-group of 25 to 34 years, the majority of them were male (62%), 82% were Hindus, and 64% married. Majority of the patients had undergone magico-religious treatment (n = 35). Among the sample, 68% consulted faith healer and 42% performed religious treatment during the illness period; 60% acknowledged personal belief in sorcery, 58% in ghosts, and 52% in spirit intrusion. Among them, 20% believed there was a link between sorcery and mental illness, and 20% believe spirit could cause mental illness. Among the samples, 38% found the link between sorcery and abnormal behaviour, 38% with evil spirit, and 22% due to planetary influences. Statistically significant association was noted in the belief that rituals can improve patient behaviour and local belief in supernatural influences. Conclusion: There is a common belief in the relationship between supernatural influences and mental illness among the relatives of the patients. Such beliefs and magicoreligious treatment do occur during the course of the illness.
Cohort profile: the mature adults cohort of the Malawi longitudinal study of families and health (MLSFH-MAC)

Purpose The Mature Adults Cohort of the Malawi Longitudinal Study of Families and Health (MLSFH-MAC) contributes to global ageing studies by providing a rare opportunity to study the processes of individual and population ageing, the public health and social challenges associated with ageing and the coincident shifts in disease burdens, in a low-income, high HIV prevalence, sub-Saharan African (SSA) context. Participants The MLSFH-MAC is an open population-based cohort study of mature adults aged 45+ years living in rural communities in three districts in Malawi. Enrolment at baseline is 1266 individuals in 2012. Follow-ups were in 2013, 2017 and 2018 when the cohort size reached 1626 participants in 2018. Findings to date Survey instruments cover ageing-related topics such as cognitive and mental health, non-communicable diseases (NCDs) and related health literacy, subjective survival expectations, measured biomarkers including HIV, grip strength, hypertension, fasting glucose, body mass index (BMI), broad individual-level and household-level social and economic information, a 2018 qualitative survey of mature adults and community officials, 2019 surveys of village heads, healthcare facilities and healthcare providers in the MLSFH-MAC study areas. Across many domains, MLSFH-MAC allows for comparative research with global ageing studies through harmonised measures and instruments. Key findings to date include a high prevalence of depression and anxiety among older adults, evidence for rapid declines in cognitive health with age, a low incidence of HIV among mature adults, rising prevalence of HIV due to increased survival of HIV-positive individuals and poor physical health with high NCD prevalence. Future plans An additional wave of MLSFH-MAC is forthcoming in 2021, and future expansions of the cohort are planned. MLSFH-MAC data will also be publicly released and will provide a wealth of information unprecedented for ageing studies in a low-income SSA context that broadly represents the socioeconomic environment of millions of individuals in south-eastern Africa.
Four Case Studies to Explore the Added Value of Oxford AHSN

The Oxford Academic Health Science Network (Oxford AHSN) wishes to demonstrate the value of the various projects and programmes that the network has developed and implemented since it was established in 2013. In order to do this, OHE Consulting and RAND Europe conducted analyses of four case study projects - 1. Anxiety & Depression Clinical Network - A targeted 5% improvement in recovery rates 2. Maternity Clinical Network - Improving referral pathways for preterm babies 3. Energy project - Quantifying the value of energy savings and carbon reduction 4. Intermittent Pneumatic Compression - Increasing utilisation of IPCs in immobile stroke patients. The four case studies were chosen as examples of areas in which the Oxford AHSN has played a crucial role in improving patient care, and areas in which analysis of added value is feasible. The analyses were designed to assess the added value of the Oxford AHSN in relation to the case study projects, rather than to assess the 'cost-effectiveness' of the treatments being used. This report presents the methods and results of the four case studies.
Debt capacity, debt choice, and underinvestment problem: Evidence from China

Abstract This study investigates how short-term debt and debt capacity help firms to make efficient financing decisions and reduce underinvestment problem. The sample includes Chinese nonfinancial firms listed on the Shanghai and Shenzhen Stock Exchanges over the period 2007 to 2017. The findings indicate that short-term debt is positively related to leverage. The results also indicate that growth positively influences leverage. The results further show that short-term debt enhances the positive impact of growth on leverage. These findings reveal that short-term debt makes firms financially flexible, and allows them to obtain more cost-effective debt by repricing and renegotiation of debt contracts in the presence of valuable growth opportunities. Furthermore, the results illustrate that debt capacity is positively associated with leverage, suggesting that debt capacity helps firms to have an easy access to the credit market and reduce liquidity risk. Overall, the findings remain consistent across different types of firms (state-owned [S.O.E.] and non-state-owned enterprises [N.S.O.E.]) and by considering alternative proxy of growth.
Automated Parallel Electrical Characterization of Cells Using Optically-Induced Dielectrophoresis

This article reports an automated optically-induced dielectrophoresis (ODEP) system for characterizing the specific membrane capacitance (SMC) of individual cells. The simulation of cell motion is conducted to analyze the electrokinetic forces acting on the cell. A self-developed visual tracking algorithm for multicells is used to realize an automated process for determining the frequency-sweeping range, crossover frequencies, and cell radii. The SMC values of malignant bladder cancer cells (T24 and RT4) and normal urothelial cells (SV-HUC-1) were quantified using the automated system, demonstrating that the system has a measurement speed of ~1 cell/s, an accuracy of 1 kHz for the crossover frequency determination, and an accuracy of $0.2~\mu \text{m}$ for the cell radius measurement. Note to Practitioners—The current manual optically-induced dielectrophoresis (ODEP) quantification of the specific membrane capacitance (SMC) values of the cells requires a tedious and time-consuming procedure for measuring the cell size and crossover frequency. The automated ODEP approach presented in this article was developed to identify multiple cells and trigger alternating current (ac) bias potential for measuring the radius and crossover frequency of multiple cells. Compared to the manual method, the automated system significantly improves the efficiency of the SMC measurement.
PREDICTING FRICTIONAL LOSSES GENERATED BY PISTON CONNECTING-ROD BIG END JOURNAL BEARING FOR AN INTERNAL COMBUSTION ENGINE

The aim of the study is to investigate the tribological behaviour of the connecting-rod big end journal bearing under dynamic loading for a full engine cycle.In this study, a numerical analysis is used for solving the 2-D Reynolds equation based on Reynolds boundary condition. The 2-D Reynolds solution was derived by using a combination of approaches, namely finite difference method, Newton-Raphson method, and Taylor expansion series. Then, the formulated 2-D mathematical model is used to ascertain the tribological behaviour for both rigid and deformable bearing assumptions.For low loading conditions, the simulation results from both rigid and deformation models have only shown minor differences, demonstrating correlation with existing analytical and experimental results. However, once the loading capacity is increased, the simulation results from the deformation model assumption is shown to be much closer to the experimental results obtained from real engine analysis.In short, an elastic journal bearing assumption in simulating such tribological conjunction is believed to be more practical and reliable for real engine practices as compared to a rigid journal bearing assumption.