Miracle-dz/UniFAR-FTUs huggingface dataset:
Credit card literacy and financial well-being of college students

Purpose By testing a moderated mediation model, the purpose of this paper is to examine the mediating role of credit card self-efficacy in the relationship between credit card literacy and financial well-being. The authors further examine if credit card number moderates this effect. Design/methodology/approach Data for the study were collected from 427 college students. The PROCESS macros in IBM SPSS Statistics 23 was used to assess the hypothesized relationships. Findings Credit card literacy positively influences financial well-being through self-efficacy. However, this effect is stronger when college students own fewer credit cards. Practical implications Banks and credit card issuers, policymakers and colleges and universities should place a greater emphasis on credit card literacy programs that enhance students’ general understanding of credit card terms and conditions and confidence in their ability to effectively use and manage their credit cards. Originality/value To our knowledge, this is the first study to examine the relationship between credit card literacy, self-efficacy and financial well-being.
Mortality in female horseshoe crabs (Limulus polyphemus) from biomedical bleeding and handling: implications for fisheries management

Horseshoe crabs (Limulus polyphemus) are bled for biomedical purposes to produce Limulus Amebocyte Lysate (LAL), a valuable material used to detect endotoxins in medical devices and implants. Previous studies generally found mortality from the bleeding process of 5–15% with one study reporting 29% for females; the 15% value is now used for management purposes. However, most of these studies looked only at males, did not mimic handling practices typical of the biomedical facility in Massachusetts, or harvested females after the spawning season when much of the actual biomedical harvest occurs. Female mortality is of particular concern because they have greater importance than males for population dynamics, are preferentially harvested, and are more likely to be physiologically stressed than males because of energy outlay for egg production. We examined the mortality of unbled female horseshoe crabs versus that of crabs bled by the local biomedical company and either returned directly to water, or held overnight as is the current practice. Mortality of Control (unbled) crabs was low (3%) and differed significantly (p < 0.001) from that of either bled group (22.5% and 29.8% mortality, respectively); the two bled groups did not differ significantly from each other (p = 0.31). Mortality rates in bled treatment groups were double those used in current management of the biomedical fishery. The bait and biomedical fisheries are managed differently because biomedical is considered a low-mortality “catch and release” fishery. States and interstate management agencies may want to re-examine policies surrounding biomedical horseshoe crab harvest based on these results.
School Bullying and Mental Health in Children and Adolescents

Bullying is a malicious aggressive behavior that is intended to harm others repeatedly. There is an imbalance in strength or power between the bullies and the victims of bullying. Studies in European countries and U.S. suggest that 20% to 30% of students are frequently involved in bullying as bullies and/or victims. Cross-sectional and longitudinal studies have recognized bullying and being victimized by bullies as health problems for school children and adolescents because of their association with a range of adjustment problems, including poor mental health and violent behavior. Bully-victims, who are involved in both bullying others and being bullied by others, have the greatest number of mental and behavioral problems. Children needing special health care are especially vulnerable to being bullied. The significant association between involvement in bullying and adverse mental health in children and adolescents indicates that the early identification of and intervention on children and adolescents at risk should be a priority for the society.
Industrial vegetable oil by-products increase the ductility of polylactide

The use of industrial by-products of the vegetable oil industry as ductility increasing additives of polylactide (PLA) was investigated. Vegetable oil deodorization condensates were melt-blended by twin-screw extrusion up to a max- imum inclusion quantity of 20 wt% without preliminary purification. Sample films were obtained by single screw cast extrusion. Compounded PLA films featured largely improved ductility in tensile testing with an elongation at break up to 180%. The glass transition temperature remained higher than room temperature. The native mixture of molecules, which composed the deodorization condensates, had superior performance compared to a synthetic mixture of main compounds. The investigation of the correlation between composition of the additives and the ductility of the PLA blends by Principal Component Analysis showed synergy in property improvement between fatty acids having a melting point below and beyond the room temperature. Furthermore, a compatibilizing effect of molecules present in the native mixture was evi- denced. Oil deodorization condensates, which are a price competitive by-product of the vegetable oil industry, are therefore a very promising biobased and biodegradable additive for improving the ductility of PLA.
Mitochondrial Reactive Oxygen Species Trigger Hypoxia-Inducible Factor-Dependent Extension of the Replicative Life Span during Hypoxia

ABSTRACT Physiological hypoxia extends the replicative life span of human cells in culture. Here, we report that hypoxic extension of replicative life span is associated with an increase in mitochondrial reactive oxygen species (ROS) in primary human lung fibroblasts. The generation of mitochondrial ROS is necessary for hypoxic activation of the transcription factor hypoxia-inducible factor (HIF). The hypoxic extension of replicative life span is ablated by a dominant negative HIF. HIF is sufficient to induce telomerase reverse transcriptase mRNA and telomerase activity and to extend replicative life span. Furthermore, the down-regulation of the von Hippel-Lindau tumor suppressor protein by RNA interference increases HIF activity and extends replicative life span under normoxia. These findings provide genetic evidence that hypoxia utilizes mitochondrial ROS as signaling molecules to activate HIF-dependent extension of replicative life span.
Ghrelin in human medullary thyroid carcinomas

Objective Ghrelin is a novel gastrointestinal hormone involved in several metabolic functions. It has been identified previously in several normal and tumoral neuroendocrine tissues, including human medullary thyroid carcinomas (MTCs). The aim of the study was to evaluate ghrelin levels in patients with MTC and nontoxic goitre (NTG) with elevated calcitonin (CT) levels, as an additional marker of the disease.
MUSCARINIC RECEPTOR ANTAGONISTS IN THE TREATMENT OF OVERACTIVE BLADDER

A wealth of clinical evidence supports the view that muscarinic receptor antagonists are effective in the treatment of overactive bladder. However, treatment‐limiting adverse effects such as dry mouth, constipation, and blurred vision have restricted the usefulness of previously available agents, such as oxybutynin. A real need therefore existed for effective and well‐tolerated agents for the long‐term management of the troublesome symptoms of overactive bladder. This review outlines the various approaches that have been used in attempts to overcome the tolerability problems of oxybutynin. It also describes how advances in our understanding of muscarinic receptors and bladder function has led to the potential development of either tissue‐ or subtype‐selective antimuscarinic agents with improved tolerability. Drugs that have been developed in this way include tolterodine and darifenacin, each of which shows some bladder selectivity in animal models. Unlike darifenacin, however, the bladder selectivity of tolterodine has been confirmed by numerous clinical studies. Tolterodine's improved tolerability compared with oxybutynin, along with its equivalent therapeutic efficacy at recommended dosages, permits patients to experience the beneficial effects of long‐term treatment. Tolterodine therefore represents a real alternative for the long‐term management of overactive bladder. The results of ongoing clinical studies with darifenacin are awaited before it can be concluded that selective antagonism of M3 receptors leads to improved tolerability over existing agents in the treatment of overactive bladder. Similarly, the potential improvements in tolerability associated with different dosage formulations of oxybutynin, and the clinical utility of S‐oxybutynin, are yet to be conclusively demonstrated.
Igniting social commerce: using instagram for mobile retail shopping

Social media can act as an invaluable tool that businesses can use as a means of reaching out and engaging with current and potential customers. Instagram, a Social Network Service known for its predominance as a photo-and-video focused sharing platform, is often used and even presented by the company as a tool to drive awareness about a business and pique interest in the products or services that they offer to its over 700 million users. However, this particular platform is being employed as more than just an advertising and marketing agent outside of Canada and the USA. In particular, Instagram in South Korea has transformed into an even more multifaceted experience, from being used as a product catalogue for retail startups to operating as a mobile online marketplace where direct, transactional exchange occurs. While social media platforms are continually being modified to suit the behaviours and attitudes of this technologically advancing world, Instagram has evolved into a more dynamic online forum for commercial exchange, further expanding the capacities of Social Commerce. This major research paper engages in qualitative observations on how Instagram is being utilized in South Korea for the purposes of marketing, advertising and mobile commerce. Furthermore, several best practices are outlined on how Instagram can be organized for businesses, particularly startup companies, through the use of case studies on current South Korean company.
The relation between the organizational information security climate and employees’ information security behavior

Employees are often referred to as the main cause of cyber security incidents in organizations. These incidents can lead to huge company risks and enormous losses. Therefore insight in how organizations can improve employees’ information security behavior is important, realizing that technical measures alone cannot reduce all security risks. This paper examines the relation between organizational information security climate factors and employees information security behavior. The organizational climate concerns the tangible factors which relate to the atmosphere and work practices in the organization, like management support and openness on information security incidents. After a literature review and semi-structured interviews with information security experts, organizational factors are identified which influence information security behavior. A conceptual model is developed and quantitatively tested, with data collected via a survey under 289 employees. Structural equation modeling is used to analyze these data. The organizational factors education and communication, managerial commitment, employee involvement, work impediment and openness on information security, are confirmed to have a significant relation with the information security behavior of employees. Organizations can use these insights to strengthen their information security climate in order to improve employees’ information security behavior.
Laminin‐332 and ‐511 in skin

Abstract: The extracellular matrix (ECM) was long thought to be merely a structural tissue support and/or a filter. However, recent studies have suggested that ECM proteins regulate many intracellular and extracellular events, including cell growth, cell adhesion, cell division, cell movement, and apoptosis. They do so through activation of several families of cell surface receptor, including the integrins and syndecans. The focus of this review is on two laminin isoforms expressed in the skin. Laminins are an important molecular component of the basement membranes in a variety of tissue types. They have a cruciform shape, and are composed of three chains‐α, β, and γ. Keratinocytes of the skin secrete numerous laminin isoforms, including laminin‐511 and laminin‐332. The latter are known to affect the behaviour of keratinocytes through binding to membrane‐penetrating receptors (outside‐in signal transduction). Conversely, the expression, secretion and assembly of laminin‐rich matrices is regulated by cell surface receptors through inside‐out signal transduction. We will review how integrins regulate laminin matrix assembly and the signals elicited by laminins that support either migration or stable adhesion of keratinocytes. We will also discuss recent data indicating that laminins plays key regulatory roles in the development of skin appendages and contribute to the pathogenesis of skin cancer.
Modeling of distributed lossless and lossy structures — A review

With the advances of the solid state art and the thin film technique, numerous structures and devices have been developed which essentially are distributed parameter ones. The passive distributed parameter structures possess extremely valuable properties. However, the tools available for analysis and synthesis of these structures are inadequate. A comprehensive review is presented of the modeling attempts made so far.
Postocclusive reactive hyperemia and thermal response in the skin microcirculation of subjects with spinal cord injury.

The response of skin blood cell flux (SBF) to locally applied pressure was evaluated by laser Doppler fluxmetry over the sacrum and the gluteus maximus muscle in twenty patients with spinal cord injuries (SCI)-ten with tetraplegia, ten with paraplegia-and ten healthy subjects. The SCI patients were further divided into two subgroups, one with sensation and the other without sensation over the sacrum area. The SBF over the sacrum, without applied pressure, showed somewhat higher values among the patients. The ten paraplegic patients (p less than 0.05) and the subgroup of patients without sensation over the sacrum (p less than 0.05) showed the highest values. Occlusion of the SBF was reached at a lower external skin pressure over the sacrum than over the gluteus maximus muscle in the group with spinal cord injuries (p less than 0.01). During the postocclusive reactive hyperemia we found a much shorter time to peak SBF over the gluteus muscle for the patients compared to the healthy subjects (p less than 0.01). In the subgroup of patients without sensation over the sacrum a prolonged time to peak SBF was found (p less than 0.01) over the sacrum compared to patients with sensation and to healthy subjects. The increase of the SBF during postocclusive hyperemia response was lower over both the sacrum and the gluteus maximus muscle areas in the patients with spinal cord injuries (p less than 0.01). (ABSTRACT TRUNCATED AT 250 WORDS)
Detrimental effects of a bout of physical exercise on circulating endogenous inhibitors of endothelial function in patients with coronary artery disease

Background A bout of intense physical activity has been shown to transiently impair endothelial function; however, the underlying mechanisms are unclear. Aim The purpose of the review was to assess the impact of a bout of physical exercise induced by exercise stress echocardiography, on blood concentration of the endogenous inhibitors of nitric oxide synthase, asymmetric dimethylarginine (ADMA), and symmetric dimethylarginine (SDMA), in patients with atherosclerosis. Methods Overall, 83 study participants were enrolled, 25 coronary artery disease (CAD) patients, 20 age and sex-matched asymptomatic study participants with at least one risk factor for CAD, and 38 healthy controls. Results Patients with CAD developed symptoms and/or left ventricular wall motion abnormalities during exercise; no changes were seen in study participants with risk factors, or in healthy controls. At baseline, in CAD patients and in study participants with risk factors, both ADMA and SDMA were higher than healthy controls (P < 0.001). However, a further large increase occurred during exercise stress echocardiography in both groups, regardless of development of symptoms (P < 0.001). Conclusion Basal concentrations of ADMA and SDMA are high in CAD patients and in study participants with risk factors, consistent with impaired nitric oxide synthase activity in atherosclerosis. Large increase of these endogenous inhibitors of nitric oxide during intense exercise provide support to the hypothesis that in patients with atherosclerosis endothelial function may further deteriorate as a consequence of a bout of physical activity.
Business Networking and Social Cohesion among Business Community in Malaysia

Background: Business network is a social capital component that is owned and shared with the business community members. This network is examined through relationships and engagements between families and members of the business community as well as outside the community. Business networking and community collaboration are seen in the business community engagement with activities carried out and engagement in organizations that benefit the community. Business networks help to improve the efficiency of the business community by facilitating coordination and actions for mutual benefits as well as impacts on the business community. Objective: The objective of this study is to explore the dimensions of business networking used by the business community from various ethnic groups as well as to examine the impacts of business networking on the social cohesion in Malaysia. Results: The social relationship and trust among the business community are the dimensions and indicators in identifying the social capital in the business networking. There is a significant relationship between the business network and the social cohesion among the Malay, Chinese, Indian and Bumiputera respondents. The business networking did affect the respondents? social cohesion in Malaysia. Conclusion: The dimensions of business networking in the social capital have helped Malaysian business community to remain their social cohesiveness with the support from government agencies in terms of marketing products and capital. Thus, the impacts of business networking on the social cohesion in Malaysia are positive and significant.
Health Insurance Literacy Impacts on Enrollment and Satisfaction with Health Insurance

Health Insurance Literacy Impacts on Enrollment and Satisfaction with Health Insurance by Angela J. Norbeck MHA, Capella University, 2014 MBA, Augsburg College, 2008 BS, Metropolitan State University, 2006 Dissertation Submitted in Partial Fulfillment of the Requirements for the Degree of Doctor of Philosophy Health Services Walden University August 2018 Abstract Health insurance literacy (HIL) contributes to the lack of understanding basic health insurance (HI) terms, subsidies eligibility, health plan selection, and HI usage. The study is one of few to address the existing gap in the literature regarding the exploration of the relationship between HIL, individuals’ HI enrollment, and individuals’ satisfaction with their HI. The theoretical framework selected for this study was the prospect theory, whichHealth insurance literacy (HIL) contributes to the lack of understanding basic health insurance (HI) terms, subsidies eligibility, health plan selection, and HI usage. The study is one of few to address the existing gap in the literature regarding the exploration of the relationship between HIL, individuals’ HI enrollment, and individuals’ satisfaction with their HI. The theoretical framework selected for this study was the prospect theory, which describes the behavior of individuals who make decisions. In this cross-sectional correlational study, secondary data set from the third Quarter 2015 Health Reform Monitoring Survey was used. Binary logistic regression models were used to test hypotheses of four predictive relationships between (a) HI enrollment and HIL with HI terms; (b) marketplace enrollment and HIL with HI terms; (c) satisfaction with HI and HIL with HI access to care; and (d) satisfaction with HI and HIL with HI cost of care. Results indicated that participants with high HIL with HI terms had 4.2 times higher odds that those with low HIL to be enrolled in HI and 81% higher odds than those with low HIL to be enrolled in marketplace HI. The most significant relationship indicated that participants with high HIL with HI activities had 12.8 times higher odds than those with low HIL to have high satisfaction with access to care and 8.8 times higher odds than those with low HIL participants to have high satisfaction with cost of care. The finding that low HIL is associated with lower enrollment and lower satisfaction with HI has implications for social change. Policymakers may have the opportunity to utilize this study to promote policies that promote higher HIL, which may lead to increased HI enrollment and improved satisfaction with HI selection. Health Insurance Literacy Impacts on Enrollment and Satisfaction with Health Insurance by Angela J. Norbeck MHA, Capella University, 2014 MBA, Augsburg College, 2008 BS, Metropolitan State University, 2006 Dissertation Submitted in Partial Fulfillment of the Requirements for the Degree of Doctor of Philosophy Health Services
Inflammation, statins, and outcome after ischemic stroke.

To the Editor: In the recently article by Jonsson and Asplund,1 the authors demonstrate that statins have a moderate effect in improving the prognosis of ischemic stroke patients, underlying the possible complex role of statins in determining prognosis after ischemic stroke. Their data are in agreement with our preliminary results on the concurrent use of statins in patients with first-ever ischemic stroke.2 Previously, we found that the use of statins reduces the levels of C-reactive protein (CRP) after ischemic stroke, the initial neurological deficit, and improves the prognosis of stroke patients with a significant reduction of the 1-year risk of death or new vascular events.2 Recently, we have extended these observations in the same ischemic stroke cohort that had concluded the 2-year follow-up. All patients (n=193) were recruited in the period between March 1, 1998, and March 31, 1999. Design, methods, and baseline characteristics of our stroke data bank have been previously reported.3,4 We measured levels of CRP after stroke (within 24 hours), at 3 months, and at the end of the 2-year follow-up, together with total cholesterol, HDL and LDL subfractions, and triglycerides. Differences in proportions were evaluated by χ2 test. Continuous variables are described as mean±SD or median values with 25th and 75th percentiles, and comparisons between groups were evaluated with the Student t test or Mann-Whitney U test, when appropriate. The Kaplan-Meier technique (log-rank test) was applied in survival analysis. Log-normalized values of CRP were used to evaluate correlations over time. At the entry, mean total cholesterol concentrations were 4.62±1.25 mmol/L in men and 5.31±1.06 mmol/L …