Miracle-dz/UniFAR-FTUs huggingface dataset:
On the Efficient Design of the Reverse Mortgage: Structure, Marketing, and Funding

While aging population is a worldwide issue, it is more profound in Asia. Reverse mortgages are useful instrument to alleviate the continuous and steady consumption needs of retirees. The “puzzle” is why there has been rather modest uptake even in the US, UK, and Korea where it has been available for a considerable time. We propose a structural design for a reverse mortgage contract that works across geopolitical borders, including key design criteria, issues of education/marketing for both the retirees and their beneficiaries, and a feasible approach to funding reverse mortgage with reliable, cost-efficient supply of funds available consistently so that the reverse mortgages can be supported as a “standard” consideration for everyone considering for retirement. We will also examine the role of the government as regulator and as risk-bearing provider, in the reverse mortgage process. Our preliminary work suggests that an effective institutional means of funding reverse mortgages is likely to be considerable different from current practice. We also discuss how the possible obstacles, particularly Asian traditions, could be solved so as to allow reverse mortgage to be an instrument for improving retirement.
Communicating online: an evaluation of the Horticulture Industry Network website

2 Executive Summary . 3 Background . 4 Project aims and research design . 5 Interviews and focus groups . 5 Heuristic analysis. 5 Review of Research Literature . 7 Identifying a Website’s Target Audience . 7 Web Usability and User-focused Design . 7 User Evaluation . 8 The Importance of Google and Search Engine Optimisation . 8 Websites as a Complement to Other Extension Efforts . 9 Virtual Networks and Communities of Practice . 9 Results/Discussion . 11 Interviews & Focus Groups . 11 Accessibility & Awareness . 11 Audience & Purpose . 11 Authorship & Credibility . 12 Content Relevance . 12 Website Access on Mobile Devices. 13 Need for Interpersonal Contact . 13 Value of Unique Content . 14 Heuristic analysis . 15 Homepage . 15 Banners & Carousels . 16 Navigation & Structure . 16 Content . 18 Blog . 18 Design . 19 Search . 19 Errors & Error Messages . 20 Platform & User Technology . 21 Outcome/Conclusions . 22 Recommendations . 23 Appendix 2: Search Engine Optimisation Recommendations. 32 Appendix 3: References . 34
Green Local Currency Bonds and Infrastructure Development in ASEAN+3

The following sections are included:IntroductionWhat Are Green Bonds? Global Green Bond MarketsDrivers of the Growth of Green Bond MarketsGreen Bond Pricing: Some Empirical EvidenceASEAN+3 Experience with Local Currency Green BondsRegional and National Efforts to Promote Green Financing in ASEAN+3Constraints to Green Bond Markets in ASEAN+3Policy Options to Fostering Green Bond Markets in ASEAN+3ConclusionReferences
A Study of the Drivers, Demand and Supply for Special Educational Needs and/or Disabilities (SEND)-Related Continuing Professional Development (CPD) for School Staff

UCL Institute of Education have published a report on the Drivers, Demand and Supply of SEND CPD. This is part of the Whole School SEND programme, which is hosted by nasen and funded by the Department for Education (DfE), to help embed SEND into teacher training, CPD and School Improvement. It focuses on areas of school-linked SEND-related CPD: the drivers, demands and supply that make the workforce select, engage and implement SEND-related CPD and examines the gaps and facilitators within the drivers, demands and supply for SEND-related CPD.
THE ROLES OF FORENSIC ACCOUNTANTS IN PREVENTION AND DETECTION OF MONEY LAUNDERING IN PHOENIX ACTIVITIES

The process of company liquidation is always full of money laundering allegations and vulnerable to fraud. This fraudulent scheme is referred to as phoenix activity. The main purpose of phoenix activity is to avoid liability and expenses, which detriments the stakeholders. This research explains the importance of the role of forensic accountants prior, during, and after bankruptcy. The methodology used in this research is literature review examining the problems through various researches and frameworks. The literature review discusses three aspects related to fraudulent bankruptcy scheme i.e. motivation, the scheme processes and litigation processes. The research concludes that the presence of forensic accountants is important in the insolvency prevention and detection, in their roles as(1) independent and hired experts; (2) professional legal assistance providers of Anti-Money Laundering (AML) and asset manager; (3) business valuation experts; (4) private investigators; and (5) surveillance body for anti-money laundering purposes.
Cyber Insurance Supply and Performance: An Analysis of the U.S. Cyber Insurance Market

This article examines the determinants of cyber insurance participation, the amount of coverage offered, and the performance of current cyber insurers. Our results support the competitive advantage hypothesis, are in line with the coordinated risk management hypothesis, but only partially support the business growth constraint hypothesis. We find that insurers offer cyber insurance to capitalize on their competitive advantage in understanding and pricing cyber risks and to balance their risks between investment and underwriting. We find limited evidence that insurers participate in cyber insurance to compensate for constraints on business growth. In addition, the type of coverage offered (standalone or packaged) and the amount of coverage offered vary substantially across firm characteristics. Standalone coverage incurs higher loss ratios than packaged coverage, demonstrating its riskier nature. Changes in cyber insurance loss ratios are not driven by premium growth, but by claim frequency and severity growth, emphasizing the significance of cyber insurance policy design.
NET Institute*

The recent controversy on the intersection of competition law with the protection of privacy, following the emergence of big data and social media is a major challenge for competition authorities worldwide. Recent technological progress in data analytics may greatly facilitate the prediction of personality traits and attributes from even a few digital records of human behaviour. There are different perspectives globally as to the level of personal data protection and the role competition law may play in this context, hence the discussion of integrating such concerns in competition law enforcement may be premature for some jurisdictions. However, a market failure approach may provide common intellectual foundations for the assessment of harms associated to the exploitation of personal data, even when the specific legal system does not formally recognize a fundamental right to privacy. The paper presents a model of market failure based on a requirement provision in the acquisition of personal information from users of other products/services. We establish the economic harm from the market failure and the requirement using the traditional competition law toolbox and focusing more on situations in which the restriction on privacy may be analysed as a form of exploitation. Eliminating the requirement and the market failure by creating a functioning market for the sale of personal information is imperative. This emphasis on exploitation does not mean that restrictions on privacy may not result from exclusionary practices. However, we analyse these in a separate study. Besides the traditional analysis of the requirement and market failure, we note that there are typically informational asymmetries between the data controller and the data subject. The latter may not be aware that his data was harvested, in the first place, or that the data will be processed by the data controller for a different purpose or shared and sold to third parties. The exploitation of personal data may also result from economic coercion, on the basis of resource-dependence or lock-in of the user, the latter having no other choice, in order to enjoy the consumption of a specific service provided by the data controller or its ecosystem, than to consent to the harvesting and use of his data. A behavioural approach would also emphasise the possible internalities (demand-side market failures) coming out of the bounded rationality, * Nicholas Economides is professor of economics at NYU Stern Business School and executive director of the Networks Institute. Ioannis Lianos is professor of global competition law and policy at UCL Faculty of Laws, Director of the Centre for Law, Economics and Society at UCL and Academic Director of the BRICS Competition Law and Policy Institute at the Higher School of Economics – National Research University. The authors would like to thank Tobias Kleinschmitt, Gautam Natarajan and Matthew J. Strader for their valuable research assistance. Any errors or omissions are the authors’ alone. The paper expresses personal opinions and does not represent the views of the Hellenic Competition Commission.
Critical Success Factors across the Stages of ERP System Implementation in Sohar University: A Case Study

Enterprise Resource Planning (ERP) system is a great solution to many cutting-edge businesses if implemented successfully and if not will cause a gigantic destruction in the organization. This research paper describes the Critical Success Factors (CSFs) in ERP system implementation across the three implementation stages in Sohar University which are pre-implementation stage, implementation stage, and post-implementation stage. A case study approach was used to investigate the perceptions of the key stakeholders in the university to pinpoint the CSFs of the ERP project. Based on a review of the ERP literature and in-depth interviews with the key stakeholders, 10 CSFs for ERP implementation have been identified. These findings extend our understanding of the CSFs that are perceived as critical for the key stakeholders involved in introducing, installing, and updating ERP system I higher education setting.
The Impact of Fan Page Engagement on Consumer Purchase Intension on Fashion Brands in Sri Lanka

Today, the world is evolving around social media and so is the business and business communication. Social media platforms mainly Facebook in which commercial and social networking elements have evolved in many ways to serve as business/ marketing communication tool. Social media is recognized as an impressive form of online communication where people create friendships, communities, network which gather and share information, messages and ideas. Businesses nowadays use fan pages to provide information of their products or services to existing and potential customers with the aim of increasing the purchase intention. Hence the marketing practitioners are keen to understand the impact of the consumer purchase intention through their fan page. Accordingly, the purpose of this study is to examine and analyse the impact of fan page engagement on consumer purchase intention of fashion brands in Sri Lanka. The objective of the study is to analyse whether or not the main features of fan page engagement which are trust, EWOM (Electronic Word of Mouth) and value co-creation makes an impact on Sri Lankan fashion brand consumers. Therefore, the researcher selected quantitative research methodology adopting to the deductive research approach. A self-administered questionnaire is distributed among 120 Facebook users. Among 120 responses received, 105 completed questionnaires were finally employed for statistical analysis. Sample was selected based on non-random sampling method. Through the existing literature; trust, EWOM and value co-creation are identified as three independent variables while purchase intention is the dependent. The finding of the research revealed that the EWOM (0.335,0.00) has a significant relationship and value co-creation (0.655,0.00) has a significant positive relationship with the purchase intention, yet the relationship of trust (0.142, 0.150) and purchase intention was not significant.
Neonatal Hepatic Myeloid Progenitors Expand and Propagate Liver Injury in Mice

Background: Biliary atresia (BA) is a progressive pediatric inflammatory disease of the liver that leads to cirrhosis and necessitates liver transplantation. The rapid progression from liver injury to liver failure in children with BA suggests that factors specific to the perinatal hepatic environment are important for disease propagation. Hematopoietic stem and progenitor cells (HSPCs) reside in the fetal liver and are known to serve as central hubs of inflammation. We hypothesized that HSPCs are critical for the propagation of perinatal liver injury (PLI). Methods: Newborn BALB/c mice were injected with rhesus rotavirus (RRV) to induce PLI or with PBS as control. Livers were compared using histology and flow cytometry. To determine the effects of HSPCs on PLI, RRV-infected neonatal mice were administered anti-CD47 and anti-CD117 to deplete HSPCs. Results: PLI significantly increased the number of common myeloid progenitors and the number of CD34+ hematopoietic progenitors. Elimination of HSPCs through antibody-mediated myeloablation rescued animals from PLI and significantly increased survival (RRV+isotype control 36.4% vs. RRV+myeloablation 77.8%, Chi-test = 0.003). Conclusions: HSPCs expand as a result of RRV infection and propagate PLI. Targeting of HSPCs may be useful in preventing and treating neonatal inflammatory diseases of the liver such as BA.
Emergency Liquidity Injections

This paper compares the effectiveness of different forms of emergency liquidity injections, including secured lending (repo), unsecured lending and securities purchases. The model features an endogenous banking crisis, funding and market liquidity interactions, and fire sale externalities. Injection policies are compared by their effects on ex ante incentives and on ex post outcomes. The model demonstrates that lending to banks via repo can curb fire selling of relatively illiquid securities that are accepted as collateral, due to binding collateral constraints. The mitigated securities price depression, relative to an unsecured lending policy, counteracts the effects of fire sale externalities. This reduces banks' losses on illiquid securities without incentivising more liquidity risk-taking. Under an unsecured or secured lending policy, the authority can charge 'penalty rates' to deter liquidity risk-taking, but to be credible, lending should be long term so that repayments are due after liquidity conditions improve. Otherwise, the repayments can cause further liquidity distress, compromising the policy objectives. Liquidity injections via securities purchases cannot credibly be penalising, because the policy does not require banks to commit future income.
Changing Global Trade Landscape: Developing Country Perspective

The current global trade landscape is changing rapidly with the escalating US-China trade war, technological disruption, and changing global trade pattern. This has raised question on whether the current multilateral framework is adept to these new issues, and what are the developing countries’ best policy response in facing these challenges. This paper provides the background of the changing global trade landscape and suggests that countries shall take a three-pronged approach: unilateral reforms, regional partnership, and strengthening multilateral trading system. Keywords—Trade War, WTO Reform, Multilateral Trading System
Creativity and Innovation in the Context of Firms

In this chapter we examine how innovation can become embedded and given legitimacy within a firm. Specifically, we look at how the strategies and practices of Top Management Teams, Human Resources, Finance, Purchasing, Marketing, Sales, Legal, and Departmental Management Teams can promote organizational innovation both directly and indirectly. We highlight that innovation can be facilitated not only by the unique strategies and practices of each functional area but also by the strategic alignment and collaboration between these parts of the organization. We have examined how the collaboration between key areas of the organization, such as between human resources and purchasing, or the legal and finance teams, may contribute to the organization’s global innovation efforts. Informed by research findings, we offer practical advice to the leaders of each functional area as well the top management team of the organization. We have also made suggestions on directions for future research to organizational innovation scholars.
Analysis of the modern approach to the humanization of labour by reducing work hours

Centria University of Applied Sciences Date October 2019 Author/s Varvara Korovchenko Degree programme Industrial Management Name of thesis Analysis of the modern approach to the humanization of labour by reducing work hours. Instructor Marja – Liisa Kaakko Pages 35+ 7 Supervisor Marja – Liisa Kaakko Questions regarding the regulation of work and labour activities are of the interest to all the people; moreover, they ensure its existence. The study of trends in changes in views on labour provides an opportunity to see the existing labour system. Each history period corresponds to a certain attitude to work. In the era of post-industrial society, the view on it has changed dramatically. Thanks to new technologies, mechanization, the prevalence of intellectual labour, it is possible to make adjustments to the view on a working day. The current workday is a relic of the past, when the employee lived in a frantic rhythm, performing many tasks. Progress in science and technology has allowed people to get rid of unnecessary duties to reduce employment time. However, the current one still has a 5 day, 8-hour workweek, which for the most part does not contribute to increased efficiency, but rather harms many to employees. As a future applicant, I am interested in changes in labour regulations. In this study, I will describe the methods I used in the research, the history of work timing, for instance how we came to an 8 hours workday – and give several company examples from different countries that have already tried to change the working time. As the base of this research, I took two different work sectors of Sweden; moreover, I also described completely different an overseas example, which will help me to analyse the current trend of reducing of work hours.
Médicaments photosensibilisants et dégénérescence maculaire liée à l'âge.

Objectifs : Rechercher s'il existe une correlation entre la prise prolongee de medicaments potentiellement phototoxiques et la degenerescence maculaire liee a l'âge (DMLA). Patients et methodes : Quatre-vingt dix patients choisis de facon aleatoire sur un echantillon de 1 248 patients atteints de DMLA exsudative (groupe 1) ont ete compares a un groupe de 90 sujets normaux apparies par âge et sexe (groupe 2). L'âge moyen des 2 groupes etait de 79,9 ans. Pour chaque individu, tous les medicaments et particulierement les anti-hypertenseurs, les hypoglycemiants. les anti-epileptiques, les anti-hyperuricemiques, les anti-anxiolytiques et les antidepresseurs, pris par voie generale et pour plus de 6 mois etaient notes. Seulement les patients du groupe 1 ont beneficie d'un examen ophtalmologique complet incluant des retinophotographies couleurs et anerythres et des angiographies a la fluoresceine et au vert d'indocyanine. Resultats : De la comparaison des 2 groupes apparaissait que la DMLA exsudative etait positivement statistiquement associee a la prise d'un diuretique thiazidique (p < 0,001), mais que dans le groupe 1, l'hypertension arterielle traitee par des antihypertenseurs non thiazidiques etait associee a une DMLA caracterisee par l'existence d'une neovascularisation occulte (p = 0,009) et a une baisse moderee de l'acuite visuelle (p = 0,01). Seule l'hypertension arterielle traitee par diuretiques thiazidiques etait correlee aux formes neovasculaires les plus severes, compliquees d'hemorragies sous-retiniennes majeures (p = 0,022) et avec la perte visuelle bilaterale (p = 0,041). Conclusion: Ces resultats suggerent que la DMLA exsudative dans ses formes les plus severes est associee a l'hypertension arterielle traitee par des diuretiques thiazidiques.
The Role of Proteolysis in Amyloidosis

Amyloidoses are a group of diseases associated with deposits of amyloid fibrils in different tissues. So far, 36 different types of amyloidosis are known, each due to the misfolding and accumulation of a specific protein. Amyloid deposits can be found in several organs, including the heart, brain, kidneys, and spleen, and can affect single or multiple organs. Generally, amyloid-forming proteins become prone to aggregate due to genetic mutations, acquired environmental factors, excessive concentration, or post-translational modifications. Interestingly, amyloid aggregates are often composed of proteolytic fragments, derived from the degradation of precursor proteins by yet unidentified proteases, which display higher amyloidogenic tendency compared to precursor proteins, thus representing an important mechanism in the onset of amyloid-based diseases. In the present review, we summarize the current knowledge on the proteolytic susceptibility of three of the main human amyloidogenic proteins, i.e., transthyretin, β-amyloid precursor protein, and α-synuclein, in the onset of amyloidosis. We also highlight the role that proteolytic enzymes can play in the crosstalk between intestinal inflammation and amyloid-based diseases.
Fee hikes at state parks in Georgia: Effects on visitation, revenues, welfare, and visitor diversity

Public land management agencies that provide outdoor recreation opportunities face financial constraints. Raising access fees is one approach to enhance fiscal sustainability. However, increased access costs may reduce visitation. Actual visitation changes are contingent on visitors’ price sensitivity, and these changes will influence revenue collection, visitor composition, changes in visitor welfare, and local economic impacts. Importantly, higher entrance fees may disproportionately affect visitors of different ethnicities and individuals from low-income populations. In this study, we developed a travel cost model using data collected during 2010 from 1,309 visitors across three state parks in northern Georgia to estimate the structure of recreation demand and the effects of potential fee increases across diverse populations. Results were applied to simulate the effects of various entrance fee levels on park revenue, visitor diversity, and visitor welfare, accounting for differential responses to fee hikes across different racial/ethnic groups. We found visitor demand to the parks was largely inelastic, signaling that decreases in visitation effected by a modest fee increase (e.g., from $5 to $8) would lead to higher total revenues. At higher fee values, decreased visitation offset potential revenue gains. Hispanics were less sensitive to entrance fee hikes than other visitors, suggesting that shifting fee structures could also impact visitor composition. If fees were to increase at state parks, the proportion of Hispanic visitors at parks would likely grow. This means that Hispanics would bear a disproportionate share of the cost burden under increasing fee scenarios. Additionally, state park recreation demand was highest among low-income visitors, suggesting that fee increases could have particularly significant negative impact on that group. To balance the possibly competing agency objectives of revenue generation and increased diversity, park managers may benefit from greater ex ante information provided by an applied framework like that developed in this analysis. Such analyses are expected to better inform management and policy makers concerning the likely economic effects of variation in state park access costs, including disproportionate impacts on racial/ethnic minorities. Subscribe to JPRA