bluuebunny/crossref_metadata_2025_split huggingface dataset:
Auswirkungen der anhaltenden Niedrigzinsen auf das Versicherungswesen
Authors: Gründl Helmut 
Published: April 2016

Abstract
This paper discusses the effects of the present low interest rate environment on the German life insurance industry. By referring to a recent study of the “International Center for Insurance Regulation”, we assess insolvency probabilities for life insurers with different capital endowments under different interest rate scenarios. Based on that, we discuss measures of insurance regulation that try to cope with the imminent problems of the life insurance industry. Finally, we have a look at product developments and investment strategies of life insurers in the presence of low interest rates. Hereby, life insurance products with lower investment guarantees that are granted for a shorter period of time are regarded as the best remedy to avoid low interest rate problems in the future. Such product development also allows for a more risky investment policy of life insurers that can make life and annuity products more attractive.
Auswirkungen der anhaltenden Niedrigzinsen auf das Versicherungswesen
Authors: Ketzler Rolf , Schwark Peter 
Published: April 2016

Abstract
The very accommodative monetary policy of the ECB and the related extremely low interest rates are involved with major challenges for the German insurance sector, in particular for life insurers. As long-term investors, insurers are not only affected in their capital investment strategy, but also by different households’ retirement saving patterns in response to the low interest rate environment. Several significant steps have already been taken in order to ensure the long-term viability of life insurance. These include changes in the product portfolio as well as new approaches in the investment strategy. In addition, new regulatory requirements have been established to strengthen the risk bearing capacity of life insurers. Given the substantial risks of low interest rates, from an economic point of view the question concerning an appropriate exit from the low interest rate environment needs more attention in the public debate. In this context, further progress regarding the economic reform policies in the euro zone is still necessary as a condition for the ECB to normalize its monetary policy as soon as possible.
Auswirkungen der anhaltenden Niedrigzinsen auf das Versicherungswesen
Authors: Schradin Heinrich R. 
Published: April 2016

Abstract
Focusing the perspective of German life insurance industry, this article starts with a brief description and discussion of the financial impact of the persistently low interest rate environment. Based on an empirical data set of German life insurers, the author illustrates actual limitations to generate sufficient investment income for to meet the given specific financial guarantees. Moreover, the core problem, caused by the use of volatile timingrelated interest rates for to evaluate long-term cash flows, becomes obvious. The currently observed regulatory interventions are trying to overcome the existential consequences of the so-called fair value measurement. In consequence, the author derives four central theses:
1. Life insurance in Germany suffers from insufficient capital adequacy.
2. Persistent low interest rates threaten the fulfillment of financial guaranty commitments of German life insurers.
3. The generally accepted principals of economic evaluation do not satisfy to the traditional business model of German life insurers.
4. Under a business perspective, the development of new life insurance products is inevitable.
Schwache Unternehmensinvestitionen in Deutschland? Diagnose und Therapie
Authors: Bardt Hubertus , Grömling Michael , Hüther Michael 
Published: April 2016

Abstract
Corporate investment has developed only moderately in Germany since the global financial market crisis. The capital stock made up of machinery and equipment has been in a stalemate since 2008. However, the notion of a quantifiable investment gap is not tenable. A recent survey of German companies provides important information about current obstacles to investment in Germany. On the one hand, the respondent companies suffer from increasing global uncertainties. On the other hand, the conditions for investment in Germany have deteriorated. Examples are the high-energy costs in international comparison and new labor market regulations like early retirement schemes and legal minimum wages. Instead of engaging in expensive investment programs, the German government should better tackle the homemade barriers to investment.
Schnelle Arbeitsmarktintegration von Asylbewerbern – Was ist zu tun?
Authors: Bauer Thomas K. 
Published: April 2016

Abstract
This article discusses the necessary measures for a successful integration of the currently large number of refugees into the German labor market. It is argued that the integration of these refugees will depend largely on the transferability of their human capital to the necessities of the German labor market and will require substantial investments in their language skills, further human capital as well as some adjustments of current labor market institutions. In an historical context, however, Germany seems to be very well prepared to master this challenge.
Structural and evolutionary relationships among RuBisCOs inferred from their large and small subunits
Authors: Xiang Fu , Fang Yuanping , Xiang Jun 
Published: April 2016

Abstract
Ribulose 1,5-bisphosphate carboxylase/oxygenase (RuBisCO) is the key enzyme to assimilate CO2 into the biosphere. The nonredundant structural data sets for three RuBisCO domain superfamilies, i.e. large subunit C-terminal domain (LSC), large subunit N-terminal domain (LSN) and small subunit domain (SS), were selected using QR factorization based on the structural alignment with Q
H as the similarity measure. The structural phylogenies were then constructed to investigate a possible functional significance of the evolutionary diversification. The LSC could have occurred in both bacteria and archaea, and has evolved towards increased complexity in both bacteria and eukaryotes with a 4-helix–2-helix–2-helix bundle being extended into a 5-helix–3-helix–3-helix one at the LSC carboxyl-terminus. The structural variations of LSN could have originated not only in bacteria with a short coil, but also in eukaryotes with a long one. Meanwhile, the SS dendrogram can be contributed to the structural variations at the βA–βB-loop region. All the structural variations observed in the coil regions have influence on catalytic performance or CO2/O2 selectivities of RuBisCOs from different species. Such findings provide insights on RuBisCO improvements.
Transition from Target to Gaze Coding in Primate Frontal Eye Field during Memory Delay and Memory–Motor Transformation
Authors: Sajad Amirsaman , Sadeh Morteza , Yan Xiaogang , Wang Hongying , Crawford John Douglas 
Published: April 2016

AbstractThe frontal eye fields (FEFs) participate in both working memory and sensorimotor transformations for saccades, but their role in integrating these functions through time remains unclear. Here, we tracked FEF spatial codes through time using a novel analytic method applied to the classic memory-delay saccade task. Three-dimensional recordings of head-unrestrained gaze shifts were made in two monkeys trained to make gaze shifts toward briefly flashed targets after a variable delay (450-1500 ms). A preliminary analysis of visual and motor response fields in 74 FEF neurons eliminated most potential models for spatial coding at the neuron population level, as in our previous study (Sajad et al., 2015). We then focused on the spatiotemporal transition from an eye-centered target code (T; preferred in the visual response) to an eye-centered intended gaze position code (G; preferred in the movement response) during the memory delay interval. We treated neural population codes as a continuous spatiotemporal variable by dividing the space spanningTandGinto intermediateT–Gmodels and dividing the task into discrete steps through time. We found that FEF delay activity, especially in visuomovement cells, progressively transitions fromTthrough intermediateT–Gcodes that approach, but do not reach,G. This was followed by a final discrete transition from these intermediateT–Gdelay codes to a “pure”Gcode in movement cells without delay activity. These results demonstrate that FEF activity undergoes a series of sensory–memory–motor transformations, including a dynamically evolving spatial memory signal and an imperfect memory-to-motor transformation.
Toward Semantics in the Wild: Activation to Manipulable Nouns in Naturalistic Reading
Authors: Desai Rutvik H. , Choi Wonil , Lai Vicky T. , Henderson John M. 
Published: April 2016

The neural basis of language processing, in the context of naturalistic reading of connected text, is a crucial but largely unexplored area. Here we combined functional MRI and eye tracking to examine the reading of text presented as whole paragraphs in two experiments with human subjects. We registered high-temporal resolution eye-tracking data to a low-temporal resolution BOLD signal to extract responses to single words during naturalistic reading where two to four words are typically processed per second. As a test case of a lexical variable, we examined the response to noun manipulability. In both experiments, signal in the left anterior inferior parietal lobule and posterior inferior temporal gyrus and sulcus was positively correlated with noun manipulability. These regions are associated with both action performance and action semantics, and their activation is consistent with a number of previous studies involving tool words and physical tool use. The results show that even during rapid reading of connected text, where semantics of words may be activated only partially, the meaning of manipulable nouns is grounded in action performance systems. This supports the grounded cognition view of semantics, which posits a close link between sensory–motor and conceptual systems of the brain. On the methodological front, these results demonstrate that BOLD responses to lexical variables during naturalistic reading can be extracted by simultaneous use of eye tracking. This opens up new avenues for the study of language and reading in the context of connected text.SIGNIFICANCE STATEMENTThe study of language and reading has traditionally relied on single word or sentence stimuli. In fMRI, this is necessitated by the fact that time resolution of a BOLD signal much lower than that of cognitive processes that take place during natural reading of connected text. Here, we propose a method that combines eye tracking and fMRI, and can extract word-level information from the BOLD signal using high-temporal resolution eye tracking. In two experiments, we demonstrate the method by analyzing the activation of manipulable nouns as subjects naturally read paragraphs of text in the scanner, showing the involvement of action/motion perception areas. This opens up new avenues for studying neural correlates of language and reading in more ecologically realistic contexts.
Episodic Social Stress-Escalated Cocaine Self-Administration: Role of Phasic and Tonic Corticotropin Releasing Factor in the Anterior and Posterior Ventral Tegmental Area
Authors: Holly Elizabeth N. , Boyson Christopher O. , Montagud-Romero Sandra , Stein Dirson J. , Gobrogge Kyle L. , DeBold Joseph F. , Miczek Klaus A. 
Published: April 2016

Intermittent social defeat stress escalates later cocaine self-administration. Reward and stress both activate ventral tegmental area (VTA) dopamine neurons, increasing downstream extracellular dopamine concentration in the medial prefrontal cortex and nucleus accumbens. The stress neuropeptide corticotropin releasing factor (CRF) and its receptors (CRF-R1, CRF-R2) are located in the VTA and influence dopaminergic activity. These experiments explore how CRF release and the activation of its receptors within the VTA both during and after stress influence later cocaine self-administration in rats.In vivomicrodialysis of CRF in the VTA demonstrated that CRF is phasically released in the posterior VTA (pVTA) during acute defeat, but, with repeated defeat, CRF is recruited into the anterior VTA (aVTA) and CRF tone is increased in both subregions. Intra-VTA antagonism of CRF-R1 in the pVTA and CRF-R2 in the aVTA during each social defeat prevented escalated cocaine self-administration in a 24 h “binge.” VTA CRF continues to influence cocaine seeking in stressed animals long after social defeat exposure. Unlike nonstressed controls, previously stressed rats show significant cocaine seeking after 15 d of forced abstinence. Previously stressed rats continue to express elevated CRF tone within the VTA and antagonism of pVTA CRF-R1 or aVTA CRF-R2 reverses cocaine seeking. In conclusion, these experiments demonstrate neuroadaptive changes in tonic and phasic CRF with repeated stress, that CRF release during stress may contribute to later escalated cocaine taking, and that persistently elevated CRF tone in the VTA may drive later cocaine seeking through increased activation of pVTA CRF-R1 and aVTA CRF-R2.SIGNIFICANCE STATEMENTCorticotropin releasing factor (CRF) within the ventral tegmental area (VTA) has emerged as a likely candidate molecule underlying the fundamental link between stress history and escalated drug self-administration. However, the nature of CRF release in the VTA during acute and repeated stress, as well as its role in enduring neuroadaptations driving later drug taking and seeking, are poorly understood. These experiments explore how CRF is released and interacts with its receptors in specific regions of the VTA both during and after stress to fuel later escalated cocaine taking and seeking behavior. Understanding these acute and persistent changes to the VTA CRF system may lead to better therapeutic interventions for addiction.
Individual Differences in Cognitive Control Circuit Anatomy Link Sensation Seeking, Impulsivity, and Substance Use
Authors: Holmes Avram J. , Hollinshead Marisa O. , Roffman Joshua L. , Smoller Jordan W. , Buckner Randy L. 
Published: April 2016

Individuals vary widely in their tendency to seek stimulation and act impulsively, early developing traits with genetic origins. Failures to regulate these behaviors increase risk for maladaptive outcomes including substance abuse. Here, we explored the neuroanatomical correlates of sensation seeking and impulsivity in healthy young adults. Our analyses revealed links between sensation seeking and reduced cortical thickness that were preferentially localized to regions implicated in cognitive control, including anterior cingulate and middle frontal gyrus (n= 1015). These associations generalized to self-reported motor impulsivity, replicated in an independent group (n= 219), and correlated with heightened alcohol, tobacco, and caffeine use. Critically, the relations between sensation seeking and brain structure were evident in participants without a history of alcohol or tobacco use, suggesting that observed associations with anatomy are not solely a consequence of substance use. These results demonstrate that individual differences in the tendency to seek stimulation, act on impulse, and engage in substance use are correlated with the anatomical structure of cognitive control circuitry. Our findings suggest that, in healthy populations, covariation across these complex multidimensional behaviors may in part originate from a common underlying biology.SIGNIFICANCE STATEMENTImpaired cognitive control may result in a tendency to seek stimulation impulsively and an increased risk for maladaptive outcomes, including substance abuse. Here, we examined the structural correlates of sensation seeking and impulsivity in a large cohort of healthy young adults. Our analyses revealed links between sensation seeking and reduced cortical thickness that were preferentially localized to regions implicated in cognitive control, including anterior cingulate and middle frontal gyrus. The observed associations generalized to motor impulsivity, replicated in an independent group, and predicted heightened alcohol, tobacco, and caffeine use. These data indicate that normal variability in cognitive control system anatomy predicts sensation seeking and motor impulsivity in the healthy populations, potentially increasing risk for substance use disorders.
Counting Vesicular Release Events Reveals Binomial Release Statistics at Single Glutamatergic Synapses
Authors: Malagon Gerardo , Miki Takafumi , Llano Isabel , Neher Erwin , Marty Alain 
Published: April 2016

Many central glutamatergic synapses contain a single presynaptic active zone and a single postsynaptic density. However, the basic functional properties of such “simple synapses” remain unclear. One important step toward understanding simple synapse function is to analyze the number of synaptic vesicles released in such structures per action potential, but this goal has remained elusive until now. Here, we describe procedures that allow reliable vesicular release counting at simple synapses between parallel fibers and molecular layer interneurons of rat cerebellar slices. Our analysis involves local extracellular stimulation of single parallel fibers and deconvolution of resulting EPSCs using quantal signals as template. We observed a reduction of quantal amplitudes (amplitude occlusion) in pairs of consecutive EPSCs due to receptor saturation. This effect is larger (62%) than previously reported and primarily reflects receptor activation rather than desensitization. In addition to activation-driven amplitude occlusion, each EPSC reduces amplitudes of subsequent events by an estimated 3% due to cumulative desensitization. Vesicular release counts at simple synapses follow binomial statistics with a maximum that varies from 2 to 10 among experiments. This maximum presumably reflects the number of docking sites at a given synapse. These results show striking similarities, as well as significant quantitative differences, with respect to previous results at simple GABAergic synapses.SIGNIFICANCE STATEMENTIt is generally accepted that the output signal of individual central synapses saturates at high release probability, but it remains unclear whether the source of saturation is presynaptic, postsynaptic, or both presynaptic and postsynaptic. To clarify this and other issues concerning the function of synapses, we have developed new recording and analysis methods at single central glutamatergic synapses. We find that individual release events engage a high proportion of postsynaptic receptors (62%), revealing a larger component of postsynaptic saturation than anticipated. Conversely, we also find that the number of released synaptic vesicles is limited at each active zone. Altogether, our results argue for both presynaptic and postsynaptic contributions to signal saturation at single glutamatergic synapses.
Evolving Ideas on the Origin and Evolution of Flowers: New Perspectives in the Genomic Era
Authors: Chanderbali Andre S , Berger Brent A , Howarth Dianella G , Soltis Pamela S , Soltis Douglas E 
Published: April 2016

AbstractThe origin of the flower was a key innovation in the history of complex organisms, dramatically altering Earth’s biota. Advances in phylogenetics, developmental genetics, and genomics during the past 25 years have substantially advanced our understanding of the evolution of flowers, yet crucial aspects of floral evolution remain, such as the series of genetic and morphological changes that gave rise to the first flowers; the factors enabling the origin of the pentamerous eudicot flower, which characterizes ∼70% of all extant angiosperm species; and the role of gene and genome duplications in facilitating floral innovations. A key early concept was the ABC model of floral organ specification, developed by Elliott Meyerowitz and Enrico Coen and based on two model systems, Arabidopsis thaliana and Antirrhinum majus. Yet it is now clear that these model systems are highly derived species, whose molecular genetic-developmental organization must be very different from that of ancestral, as well as early, angiosperms. In this article, we will discuss how new research approaches are illuminating the early events in floral evolution and the prospects for further progress. In particular, advancing the next generation of research in floral evolution will require the development of one or more functional model systems from among the basal angiosperms and basal eudicots. More broadly, we urge the development of “model clades” for genomic and evolutionary-developmental analyses, instead of the primary use of single “model organisms.” We predict that new evolutionary models will soon emerge as genetic/genomic models, providing unprecedented new insights into floral evolution.
A Quality Assessment of a Collaborative Model of a Pediatric Antimicrobial Stewardship Program
Authors: Nguyen-Ha Phuong-Tan , Howrie Denise , Crowley Kelli , Vetterly Carol G. , McGhee William , Berry Donald , Ferguson Elizabeth , Polischuk Emily , Brooks Maria Mori , Goff Jeffrey , Stillwell Terri , Darville Toni , Thompson Ann E. , Levin James E. , Michaels Marian G. , Green Michael 
Published: April 2016

BACKGROUND:
Infectious Diseases Society of America guidelines recommend that key antimicrobial stewardship program (ASP) personnel include an infectious disease (ID) physician leader and dedicated ID-trained clinical pharmacist. Limited resources prompted development of an alternative model by using ID physicians and service-based clinical pharmacists at a pediatric hospital. The aim of this study was to analyze the effectiveness and impact of this alternative ASP model.

METHODS:
The collaborative ASP model incorporated key strategies of education, antimicrobial restriction, day 3 audits, and practice guidelines. High-use and/or high-cost antimicrobial agents were chosen with audits targeting vancomycin, caspofungin, and meropenem. The electronic medical record was used to identify patients requiring day 3 audits and to communicate ASP recommendations. Segmented regression analyses were used to analyze quarterly antimicrobial agent prescription data for the institution and selected services over time.

RESULTS:
Initiation of ASP and day 3 auditing was associated with blunting of a preexisting increasing trend for caspofungin drug starts and use and a significant downward trend for vancomycin drug starts (relative change –12%) and use (–25%), with the largest reduction in critical care areas. Although meropenem use was already low due to preexisting requirements for preauthorization, a decline in drug use (–31%, P = .021) and a nonsignificant decline in drug starts (–21%, P = .067) were noted. A 3-month review of acceptance of ASP recommendations found rates of 90%, 93%, and 100% for vancomycin, caspofungin, and meropenem, respectively.

CONCLUSIONS:
This nontraditional ASP model significantly reduced targeted drug usage demonstrating acceptance of integration of service-based clinical pharmacists and ID consultants.