Miracle-dz/UniFAR-FTUs huggingface dataset:
Investigating the Assessment of Property Risk in Australian Commercial Mortgage Backed Securities

In this paper we investigate the assessment of credit risk in Australian Commercial Mortgage-Backed Securities (CMBS). Adequate assessment of credit risk is critical to the success of CMBS issues. We follow Adair and Hutchinsonis (2005) segmentation of property risk in investigating how it has been assessed in Australian CMBSs which are primarily backed by direct property assets. Our analysis shows that investment quality risk, covenant strength risk, and depreciation and obsolescence risk are all well assessed in structuring CMBSs which is largely attributable to the dominance of issuers by Listed Property Trusts who legally have to report their activities and underlying collateral performance to regulatory regimes such as ASX/ASIC and their equity investors.
Identifying Network of Drug Mode of Action by Gene Expression Profiling

Drug mode of action (MOA) of novel compounds has been predicted using phenotypic features or, more recently, comparing side effect similarities. Attempts to use gene expression data in mammalian systems have so far met limited success. Here, we built a drug similarity network starting from a public reference dataset containing genome-wide gene expression profiles (GEPs) following treatments with more than a thousand compounds. In this network, drugs sharing a subset of molecular targets are connected by an edge or lie in the same community. Our approach is based on a novel similarity distance between two compounds. The distance is computed by combining GEPs via an original rank-aggregation method, followed by a gene set enrichment analysis (GSEA) to compute similarity between pair of drugs. The network is obtained by considering each compound as a node, and adding an edge between two compounds if their similarity distance is below a given significance threshold. We show that, despite the complexity and the variety of the experimental conditions, our approach is able to identify similarities in drug mode of action from GEPs. Our approach can also be used for the identification of the MOA of new compounds.
Nitrites and nitrates in exhaled breath condensate in cystic fibrosis: relation to clinical parameters.

OBJECTIVES To evaluate correlation of exhaled breath condensate (EBC) nitrite and nitrate concentrations with disease severity in cystic fibrosis (CF) patients. BACKGROUND Nitrites and nitrates are products of oxidative metabolism of nitric oxide. Impaired metabolism of nitric oxide plays a role in pathogenesis of CF. METHODS EBC was collected from 46 stable CF patients and from 21 healthy controls. EBC concentrations of nitrites and nitrates were correlated with parameters of lung disease and nutritional status and with systemic inflammatory markers. RESULTS EBC nitrates concentrations in CF patients were lower than in healthy subjects (5.8 vs 14.3 μmol/l, p<0.001). They correlated positively with FEV1 (p=0.025) and serum albumin values (p=0.016) and negatively with chest radiograph Northern score (p=0.015) and serum C-reactive protein values (p=0.005). EBC nitrites concentrations in CF patients did not differ from those in healthy subjects and were not correlated to any studied parameter. CONCLUSIONS EBC nitrates concentrations correlate with disease severity in CF patients and are lower than in healthy subjects (Tab. 4, Fig. 1, Ref. 48).
Mutual coherence function of a finite optical beam in a turbulent medium.

Air Force Cambridge Research Laboratories, Bedford, Massachusetts 01730. Received 16 May 1973. At present there appear to be at least four different techniques used to calculate the intensity and mutual co­ herence function of a finite optical beam in a turbulent medium. In this Letter we comment that all four meth­ ods are identical, even though they appear quite different. In 1969, Tatarski derived an equation for the mutual coherence function
Grain-Boundary Sliding in AZ31 Magnesium Alloys at Room Temperature to 523 K

Rolled sheets of AZ31 Mg alloys were subjected to tensile testing at temperatures ranging from room temperature to 523K. The occurrence of grain-boundary sliding (GBS) at room temperature was demonstrated by the displacement of scribed lines across grain boundaries of deformed samples. Surface relief of deformed samples was measured by use of a scanning laser microscope. GBS strain was calculated from the measured surface step height, and its temperature dependence was analyzed by a Dorn-type constitutive equation. GBS above 423K was found to be pure GBS that was activated by resolved applied shear stress acting on grain boundaries. The activation energy for GBS was found to be 80 kJ/mol, which is in agreement with the activation energy for grain boundary diffusion. Meanwhile, GBS below 373K was found to be slipinduced GBS, and its extent was found to be significantly greater than that expected from extrapolation of high-temperature values. The slipinduced GBS is considered to occur by plastic compatibility conditions in the presence of plastic strain anisotropy and by absorption and dissociation of lattice dislocations at grain boundaries.
Comparative developmental anatomy of the murine and human definitive placentae.

The placenta of eutherian mammals is a remarkable biological structure. It is composed of both zygote-derived and maternal cells, and mediates the complex interactions between the mother and the fetus that are necessary for fetal growth and survival. While the genetic basis of human placental development and function is largely unknown, its understanding is of immense clinical importance because placentopathies of unknown genetic aetiology are thought to be the cause of many types of pregnancy complications including unexplained miscarriage and intrauterine growth retardation. The mouse is the best-studied mammalian experimental genetic model system and research is not restricted by the inherent ethical and practical limitations associated with the human. As a result, knowledge about the genetic control of mouse placental development has expanded greatly in recent years. In order for this to be of benefit to medical practice, extrapolations from murine to human placentation have to be made. However, comprehensive comparisons of the placentae of these two species are rare. This review therefore compares the developmental anatomy of the placenta between humans and mice with emphasis on structures and cell types that might be analogous between the two species. This could be of particular benefit to mouse developmental geneticists who study placental development and have an interest in the possible clinical implications of their work.
Poster : Design of Backdoor on Android Devices

This paper presents a practical design of backdoor to permanently bypass the screen lock mechanisms (e.g., 4-digit PIN) on Android devices. 1. Our goal and assumptions We aim to give insights in designing backdoor that can be used to provide persistent access to a victim’s Android device by compromising the secret for user authentication while effectively hiding its presence from the victim. We assume that a victim uses the PIN scheme to protect her smartphone. Moreover, the victim can often update her PIN secret. Under these conditions, the attacker’s goal is to continuously spy on the victim’s smartphone without revealing her spying activities. In practice, many likely attackers are such insiders rather than strangers in that the people who most want to intrude on a victim’s privacy are likely to be in the victim’s circle of acquaintances. We also assume that the attacker’s backdoor is secretly installed on the victim’s smartphone at the initial stage. Probably, an insider attacker can often have some chances to install her backdoor on a victim’s smartphone in a stealthy manner by either physically accessing the device or performing a social engineering method (e.g., sending a gift app). 2. Design and implementation To validate the feasibility of the proposed attack, we designed and implemented a proof-of-concept backdoor on Android. Our implementation consists of three components: trigger application, Firebase (https://firebase.google.com) and backdoor application. Here, trigger application and Firebase are controlled by an attacker. The implementation of the remote triggering feature is important for hiding the backdoor from the device owner (i.e., the victim). We achieved this by using Firebase which supports the communication between the attacker and the backdoor through push notification services. The use of push notifications makes it difficult to detect the malicious traffic from Firebase because many normal applications are also using Firebase for push notification services. We used two Android devices; the rooted Nexus 5 with Android 5.1 Lollipop which plays the role of the victim’s device to run the backdoor application while Nexus 5X with Android 6.0 Marshmallow which plays the role of the attacker’s device to run the trigger application. For other Android versions, our backdoor can also be adapted. We found 6. Execute cracking module 7. Show password using notification 5. Receive “Open sesame” 1. Request token 4. Obtain token
Risky business: perceived risk, trust and the use of e-banking

The relationship between online risk and trust is a complex one. Existing studies have produced mixed results on the role of perceived risk in transacting online and trust of the online service provider. This study examines perceived risk as a moderator between consumer’s trust of a bank’s e-banking website and their willingness to use e-banking. The role of perceived risk as a moderator was not supported. Rather results show that a consumer’s willingness to use e-banking depends on the consumer’s perception of risk in transacting on the internet. Trust of the specific e-banking website was found to be the moderator instead. Therefore banks should educate their customers and manage general consumers’ perception of the risks in transacting on the internet.
Digital Divide in Information Systems Research: A Meta-Analysis and Framework

This article analyzes 119 Digital Divide (DD) papers published in 60 journals between the years of 2000 and 2016. It classifies DD research into 16 types, and found that global DD has been was studied the most. It also categorized the research papers into 36 topics, and found that Computer/Internet/ICT adoption and usage was the most investigated topic. Other results were: secondary data was the most used methodology, positivist approach was the most prevalent, and the U.S. was the most studied country. Additionally, our research summarized and classified the antecedents and dependent variables of DD into nine categories, and proposed a comprehensive framework. Future research and limitations are discussed.
Fuzzy canonical correlation and cluster analysis for brain mapping on long term memory consolidated by mnemonics

In the fMRI study, the functional responses of the brain differ from region to region, and are little more complicated than the simple boxcar waveform or more sophisticated but single hemodynamics response function. Fuzzy canonical correlation analysis (FCCA) is developed, which can detect waveform of each voxel and minimize the effect of false activity such as inner speech during control epochs. This makes it possible to design an elastic experimental and control block. A brain mapping in recalling long term memories consolidated by mnemonics called the method of loci was carried out using fMRI experiments. The fMRI signals were analyzed using SPM99 and FCCA together with fuzzy c-means (FCM) clustering. The clustering results reveal the functional specialization of Broca's area and visual area.
Proximity Always Matters: Evidence from Swedish Data

In this paper I investigate the formation of local bias when the set of local companies changes: I analyze portfolios of individual investors that changed their place of residence. I find that the further away investors move from the company's closest establishment, the more of its stock they abnormally sell relative to the investors that do not move. I also document that originally held stocks, which holdings have not increased after the move, are more distant and provide lower return to the investors in their new location than stocks acquired after the move and originally held stocks, which holdings increased after the move. Confirming the results of other studies I find that Swedish individual investors derive economically and statistically significant gains from investing locally.
Revisiting the Implications of Heterogeneity in Financial Market Participation for the C-CAPM

Recent studies have explored the possibility that accounting for limited participation in financial markets, and in the stock market in particular, might rationalize the empirical inconsistency of the Consumption-based Capital Asset Pricing Model (C-CAPM). The rational behind this stand is that if non-shareholdersi? ½ consumption growth co-varies with share returns less than shareholdersi? ½, including their expenditure in the consumption measure used to test the model will be misleading. This paper reviews extensively the implications of household portfolio heterogeneity for various well-known characterizations of the empirical failure of the model, such as the inconsistency of consumption-based asset pricing factors with Hansen and Jagannathan bounds, the equity premium puzzle and the rejection of the overidentifying restrictions to the model. Specifically, it provides a unified framework of analysis, based on the US Consumer Expenditure Survey, to assess to what extent the empirical inconsistency of the C-CAPM can be attributed to the use of aggregate data that do not allow to account for limited participation in asset markets. The evidence from the analysis provides support to the view that accounting for portfolio heterogeneity improves the empirical performance of the model and helps rationalize some of the puzzling findings. However, heterogeneity in financial market participation alone does not appear to be enough to reconcile fully the theory with the empirical evidence.
Different patterns of spoken and written word comprehension deficit in aphasic stroke patients

This study presents neuropsychological evidence for differences in the semantic representations underpinning spoken and written word comprehension. Potential modality-based discrepancies in the semantic system were examined by testing whether spoken word (auditory–verbal input) and written word (visual–verbal input) comprehension exhibited the same effect profile on variables typically used to distinguish so-called access and storage disorders (e.g., response consistency, sensitivity to item frequency). The study was based on the premise that damage to a common set of semantic representations should have an equivalent impact upon comprehension performance irrespective of input modality, whereas damage to partially dissociable semantic representations may give rise to different qualities of deficit (access/storage) in the comprehension of stimuli presented in different input modalities (spoken/written). The study involved two patients with global aphasia following left middle cerebral artery stroke (F.B.I. and H.O.P.). The two patients showed matched performance on conventional tests of single word comprehension with clear evidence of semantic impairment for stimuli presented in both the spoken and written input modalities. However, in H.O. P., spoken and written word comprehension was affected in the same way by variations in stimulus category, frequency, and multiple stimulus presentations, whilst in F.B. I. , there were clear differences between input modalities with all three variables. More specifically, F.B. I. 's written word comprehension was significantly affected by category (living > nonliving) and frequency (high > low) but not multiple presentations (single = multiple), more consistent with degradation of stored representations (storage deficit). By contrast, his spoken word comprehension was unaffected by category (living = nonliving) and frequency (high = low) but was affected by multiple presentations (single > multiple; serial position effects), more consistent with impaired access to stored representations (access deficit). These spoken/written input modality differences were observed on tasks matched closely for output modality, stimulus identity, and executive control requirements. It is argued that subtle differences in comprehension performance for stimuli presented in different input modalities may reflect damage to multimodal representations, which are intermediate between unimodal and amodal representations on a continuum of convergence within the semantic system. These ideas are discussed in the context of existing “distributed-only”, “distributed-plus-convergence”, or “distributed-plus-hub” models of conceptual knowledge.
Agency Costs and Strategic Speculation in the U.S. Stock Market

This study investigates the notion that agency-driven information asymmetry may affect a firm’s stock liquidity. I postulate that less uncertainty about managerial agency problems may enhance liquidity provision by lowering dealers’ perceived adverse selection risk from trading with better-informed speculators. Consistent with my conjecture, I find that the staggered adoption of antitakeover provisions across U.S. states in the 1980s and 1990s — a plausibly exogenous shock unambiguously reducing the threat of (and speculators’ information advantage about) value-enhancing intervention — robustly improves the stock liquidity of affected firms relative to peer firms, especially at prior high fundamental or agency uncertainty and with poor governance.
Cell respiration is controlled by ATP, an allosteric inhibitor of cytochrome-c oxidase.

The activity of cytochrome-c oxidase, the terminal enzyme of the mitochondrial respiratory chain, is known to be regulated by the substrate pressure, i.e. the ferro-/ferricytochrome c ratio, by the oxygen concentration, and by the electrochemical proton gradient delta muH+ across the inner mitochondrial membrane. Here we describe a further mechanism of 'respiratory control' via allosteric inhibition of cytochrome-c oxidase by ATP, which binds to the matrix domain, of subunit IV. The cooperativity between cytochrome-c-binding sites in the dimeric enzyme complex is mediated by cardiolipin, which is essential for cooperativity of the enzyme within the lipid membrane.
On convergence conditions for rendezvous

In this paper we analyze known conditions on control policies, which guarantee convergence in the multi-agent rendezvous problem. We discuss two examples which suggest a way to relax the continuity condition and to extend the class of control policies that may solve the problem. We propose a new, less restrictive condition, which characterizes a class of possibly non-continuous policies that guarantee rendezvous.
A grey system-based approach for the sharpening of images

Based on the Grey prediction theory, we propose in this paper a two-pass algorithm for the sharpening of images. In the first pass, pixels around edges or boundaries are detected with edge detection mechanism. During the second pass, those pixels detected as around edges or boundaries are adjusted for the purpose of image sharpening, and those non-edge pixels are kept unaltered. With the proposed approach, most of the original information contained in the image can be retained. In the second pass, the magnitude, i.e., the increment or decrement, to be added to those edge pixels has to be determined. Usually, a larger additive can have a better sharpening result. However it can also lead to the saturation of intensity around edge pixels. Aimed to find the maximal additive magnitude automatically, we proposed in this paper the use of a Grey prediction model GM(1,1) so that the condition of over-sharpening in images to be sharpened can be avoided. In addition, a scaling factor can also be used for the adjustment of the additive magnitude in the proposed approach. Extensive experiments on natural images as well as medical images are also given in this paper. As we will see in the experiments, the proposed approach can have a very distinct intensity transition for pixels around edges or boundaries in the sharpened images, which demonstrates the usefulness of the proposed approach.
Innovation adoption and fit, linking R&D and industry

Significant sums of money are invested in developing technological innovations that have low levels and rates of adoption. Several approaches have been put forward in an effort to improve rates of adoption. This paper presents the results of study that examined the innovation fit of key technological innovations in the beef industry. Findings indicate that be assessing the innovation fit throughout the R&D process researchers and end users can collaborate to improve the innovation fit and the rate of adoption. The paper also put forward a model that demonstrates the linkages between R&D, adoption and innovation fit.
Developing a Quality Audit Model for the ASQ Student Branch at BGSU

Dr. John Sinn, Advisor This project studied the effects of implementing auditing procedures in a student organization. The research objective in this project was to test whether the quality audit model was suitable for a university student organization. To identify the need for an audit model for the student organization, this project used the ISO 9001, QMS, DID, and DOD models on the accounts from the ASQ Student Branch at BGSU to identify the risk on the business and the cost benefit from the assurance that was offered by the Quality Audit Model. The findings have implications for both future internal auditing and control for the ASQ Student Branch at BGSU and other student organizations who wish to develop advance business assurance services.
Design of ~1-Optimal Controllers with Flexible Disturbance Rejection Level

This paper presents a new design methodology that allows for flexible management of the tradeoff between the ability of a system to attenuate disturbance signals versus its expected worst peak-to-peak amplification. The proposed strategy applies to linear time-invariant systems which are subject to disturbance signals bounded in magnitude. It combines a recently developed quasi-robust linear programming concept with a well known l1-optimal controller synthesis approach. The benefit of the resulting technique is demonstrated using example problems
An Empirical Study of User Acceptance on Medical and Health Website Based on UTAUT

With the rapid development of Internet, more and more people got medical information through Medical and Health Website. However, Medical and Health Website is still in infancy, its social influence is not significant, and this new Internet technology has not been widely accepted in our country. Most scholars mainly concentrate on technology and management institution when researching the Medical and Health Website. In order to study user’s behavioral intention and use behavior on Medical and Health website, a theoretical model is built based on Unified Theory of Acceptance and Use of Technology (UTAUT) with the consumer perceived risk theory and perceived cost. The questionnaire is designed according to the theory model. Then, the data is analyzed by descriptive statistics, reliability and validity and multiple linear regression. The results indicate that people’s use behavior is positive influenced by behavioral intention and effort expectancy. On the contrary, perceived cost has negative influence on use behavior. Perceived risk has negative influence on behavioral intention. Gender and experience have moderating effects on behavioral intention. However, it is not verified that social influence has positive influence on behavioral intention. At last, this paper provides some countermeasures and suggestions to promote the development of Medical and Health website.