WorldWideScience

Sample records for standard default exposure

  1. Existing Default Values and Recommendations for Exposure Assessment - A Nordic Exposure Group Project 2011

    DEFF Research Database (Denmark)

    Höglund, Lena; Räisänen, Jouni; Hämäläinen, Anne-Maija

    Default values are often used in exposure assessments e.g. in modelling because of lack of actually measured data. The quality of the exposure assessment outcome is therefore heavily dependent on the validity and representativeness this input data. Today the used default factors consist of a wide...... and dust ingestion, drinking water, food intake, non-dietary ingestion factors, lifetime expectancy, activity factors and consumer products......) and children in relation to REACH. Another important purpose of the report is to contribute towards a further harmonisation of exposure factors by giving recommendations of most valid and representative defaults. These recommendations can be used besides REACH also in biocide's and plant protection product...

  2. Default probabilities and default correlations

    OpenAIRE

    Erlenmaier, Ulrich; Gersbach, Hans

    2001-01-01

    Starting from the Merton framework for firm defaults, we provide the analytics and robustness of the relationship between default correlations. We show that loans with higher default probabilities will not only have higher variances but also higher correlations between loans. As a consequence, portfolio standard deviation can increase substantially when loan default probabilities rise. This result has two important implications. First, relative prices of loans with different default probabili...

  3. Comparison of the DOE and the EPA risk assessment methodologies and default parameters for the air exposure pathway

    International Nuclear Information System (INIS)

    Tan, Z.; Eckart, R.

    1993-01-01

    The U.S. Department of Energy (DOE) and the U.S. Environmental Protection Agency (EPA) each publish radiological health effects risk assessment methodologies. Those methodologies are in the form of computer program models or extensive documentation. This research paper compares the significant differences between the DOE and EPA methodologies and default parameters for the important air exposure pathway. The purpose of this analysis was to determine the fundamental differences in methodology and parameter values between the DOE and the EPA. This study reviewed the parameter values and default values that are utilized in the air exposure pathway and revealed the significant differences in risk assessment results when default values are used in the analysis of an actual site. The study details the sources and the magnitude of the parameter departures between the DOE and the EPA methodologies and their impact on dose or risk

  4. Default values

    International Nuclear Information System (INIS)

    1987-08-01

    In making calculations for the purposes of radiation protection, numerical values for parameters used in the calculations are selected. In some cases, data directly applicable to the set of conditions for which the calculations are to be made are unavailable. Therefore, the selection of the values for these parameters may be based on more general data available from the literature or other sources. These values may be referred to as 'default values', that is, values used in default of those based on directly applicable data. The following policy will be applied by Atomic Energy Control Board (AECB) staff in reviewing the radiation protection aspects of submissions associated with licensing, in participating with other organizations in the development of codes and standards, and in any other work which relies to some extent on using default values

  5. Comprehensive default methodology for the analysis of exposures to mixtures of chemicals accidentally released to the atmosphere

    Energy Technology Data Exchange (ETDEWEB)

    Craig, D.K. [Westinghouse Savannah River Company, Aiken, SC (United States); Baskett, R.L.; Powell, T.J. [Lawrence Livermore National Lab., CA (United States); Davis, J.S. [Duke Engineering Services, Hanford, Inc., Charlotte, NC (United States); Dukes, L.L. [Automated Solutions of Albuquerque, NM (United States); Hansen, D.J. [Brookhaven National Lab., Upton, NY (United States); Petrocchi, A.J. [AlphaTRAC, Inc. (United States); Sutherland, P.J. [Battelle Memorial Institute, Columbus, OH (United States)

    1997-07-01

    Safety analysis of Department of Energy (DOE) facilities requires consideration of potential exposures to mixtures of chemicals released to the atmosphere. Exposure to chemical mixtures may lead to additive, synergistic, or antagonistic health effects. In the past, the consequences of each chemical have been analyzed separately. This approach may not adequately protect the health of persons exposed to mixtures. However, considerable time would be required to evaluate all possible mixtures. The objective of this paper is to present reasonable default methodology developed by the EFCOG Safety Analysis Working Group Nonradiological Hazardous Material Subgroup (NHMS) for use in safety analysis within the DOE Complex.

  6. Comprehensive default methodology for the analysis of exposures to mixtures of chemicals accidentally released to the atmosphere

    International Nuclear Information System (INIS)

    Craig, D.K.; Baskett, R.L.; Powell, T.J.; Davis, J.S.; Dukes, L.L.; Hansen, D.J.; Petrocchi, A.J.; Sutherland, P.J.

    1997-01-01

    Safety analysis of Department of Energy (DOE) facilities requires consideration of potential exposures to mixtures of chemicals released to the atmosphere. Exposure to chemical mixtures may lead to additive, synergistic, or antagonistic health effects. In the past, the consequences of each chemical have been analyzed separately. This approach may not adequately protect the health of persons exposed to mixtures. However, considerable time would be required to evaluate all possible mixtures. The objective of this paper is to present reasonable default methodology developed by the EFCOG Safety Analysis Working Group Nonradiological Hazardous Material Subgroup (NHMS) for use in safety analysis within the DOE Complex

  7. Default values for assessment of potential dermal exposure of the hands to industrial chemicals in the scope of regulatory risk assessments.

    Science.gov (United States)

    Marquart, Hans; Warren, Nicholas D; Laitinen, Juha; van Hemmen, Joop J

    2006-07-01

    Dermal exposure needs to be addressed in regulatory risk assessment of chemicals. The models used so far are based on very limited data. The EU project RISKOFDERM has gathered a large number of new measurements on dermal exposure to industrial chemicals in various work situations, together with information on possible determinants of exposure. These data and information, together with some non-RISKOFDERM data were used to derive default values for potential dermal exposure of the hands for so-called 'TGD exposure scenarios'. TGD exposure scenarios have similar values for some very important determinant(s) of dermal exposure, such as amount of substance used. They form narrower bands within the so-called 'RISKOFDERM scenarios', which cluster exposure situations according to the same purpose of use of the products. The RISKOFDERM scenarios in turn are narrower bands within the so-called Dermal Exposure Operation units (DEO units) that were defined in the RISKOFDERM project to cluster situations with similar exposure processes and exposure routes. Default values for both reasonable worst case situations and typical situations were derived, both for single datasets and, where possible, for combined datasets that fit the same TGD exposure scenario. The following reasonable worst case potential hand exposures were derived from combined datasets: (i) loading and filling of large containers (or mixers) with large amounts (many litres) of liquids: 11,500 mg per scenario (14 mg cm(-2) per scenario with surface of the hands assumed to be 820 cm(2)); (ii) careful mixing of small quantities (tens of grams in <1l): 4.1 mg per scenario (0.005 mg cm(-2) per scenario); (iii) spreading of (viscous) liquids with a comb on a large surface area: 130 mg per scenario (0.16 mg cm(-2) per scenario); (iv) brushing and rolling of (relatively viscous) liquid products on surfaces: 6500 mg per scenario (8 mg cm(-2) per scenario) and (v) spraying large amounts of liquids (paints, cleaning

  8. Aerosol exposure: Concepts, criteria, standards and applications

    International Nuclear Information System (INIS)

    Vincent, James H

    2009-01-01

    This paper places Inhaled Particles X in the context of the whole sequence of such symposia, going back to the first one in 1961. It draws together some of the essential principles that have been learned since that earlier meeting about the nature of exposure and exposure assessment and thus provides a framework by which to integrate the new knowledge presented at this latest one. In the process, the importance of understanding the formal definition of aerosol exposure is stressed, including the distinction between exposure intensity and exposure history, and how that relates to some measure of cumulative dose which, in turn, may be linked with knowledge about intrinsic toxicity, etc. This then leads to a definition of exposure standards, and the important ingredients of criteria, sampling and limit values. A summary is provided of the current set of particle size-selective criteria that have been widely agreed in the international occupational and environmental health community. Some ideas are presented about how this set might be expanded for certain applications, the important case of ultrafine aerosols being one of them.

  9. Changes in Default Alarm Settings and Standard In-Service are Insufficient to Improve Alarm Fatigue in an Intensive Care Unit: A Pilot Project.

    Science.gov (United States)

    Sowan, Azizeh Khaled; Gomez, Tiffany Michelle; Tarriela, Albert Fajardo; Reed, Charles Calhoun; Paper, Bruce Michael

    2016-01-11

    alarm parameters and frequency of replacing patients' electrodes. Despite the in-service, 50% (12/24) of the nurses specified their need for more training on cardiac monitors in the postproject period. Changing default alarm settings and standard in-service education on cardiac monitor use are insufficient to improve alarm systems safety. Alarm management in ICUs is very complex, involving alarm management practices by clinicians, availability of unit policies and procedures, unit layout, complexity and usability of monitoring devices, and adequacy of training on system use. The complexity of the newer monitoring systems requires urgent usability testing and multidimensional interventions to improve alarm systems safety and to attain the Joint Commission National Patient Safety Goal on alarm systems safety in critical care units.

  10. OSHA Bloodborne Pathogens Standards Exposure Control Plan

    Science.gov (United States)

    Luhrs, Caro Elise; Teitelbaum, Rita

    1993-01-01

    The Hummer Associates Exposure Control Plan is designed to reduce significant occupational exposure to bloodborne pathogens and infectious materials for Hummer Associates health care personnel. Under universal precautions, all patients and all body fluids are considered potentially infectious for bloodborne pathogens. Medical personnel need not be at increased risk if universal precautions are correctly understood and followed. This program covers all employees who could reasonably anticipate contact with blood or other potentially infectious materials during the performance of their job responsibilities. Although HIV and hepatitis B are mentioned most often, this program applies to all bloodborne diseases. The two main components needed to implement this program are universal precautions and engineering/work practice controls. This program covers all employees who may have occupational exposure to blood or other potentially infectious materials. Other aspects of this program are discussed.

  11. Analytical Pricing of Defaultable Bond with Stochastic Default Intensity

    OpenAIRE

    O, Hyong-Chol; Wan, Ning

    2013-01-01

    We provide analytical pricing formula of corporate defaultable bond with both expected and unexpected default in the case with stochastic default intensity. In the case with constant short rate and exogenous default recovery using PDE method, we gave some pricing formula of the defaultable bond under the conditions that 1)expected default recovery is the same with unexpected default recovery; 2) default intensity follows one of 3 special cases of Willmott model; 3) default intensity is uncorr...

  12. Occupational standard for exposure to ultraviolet radiation (1989)

    International Nuclear Information System (INIS)

    1989-12-01

    The exposure limit (EL) values in this standard refer to ultraviolet radiation (UVR) in the spectral region between 180 and 400 nm and represents conditions under which it is believed that nearly all workers may be repeatedly exposed without adverse effect. The EL values for exposure of the eye or the skin may be used to evaluate potentially hazardous exposure from UVR. The limits do not apply to ultraviolet lasers. The values should be used as guides in the control of exposure to both pulsed and continuous sources of UVR where the exposure duration is not less than 0.1 μsec. The ELs are below levels used for UV exposures of patients as a part of medical treatment or for elective cosmetic purposes. They are intended as upper limits for non therapeutic and non cosmetic exposure. 2 refs., 2 tabs

  13. Mortgage Default Risk

    DEFF Research Database (Denmark)

    Chauvet, Marcelle; Gabriel, Stuart; Lutz, Chandler

    2016-01-01

    We use Google search query data to develop a broad-based and real-time index of mortgage default risk. Unlike established indicators, our Mortgage Default Risk Index (MDRI) directly reflects households’concerns regarding their risk of mortgage default. The MDRI predicts housing returns, mortgage ...... delinquency indicators, and subprime credit default swaps. These results persist both in- and out-of-sample and at multiple data frequencies. Together, research findings suggest internet search queries yield valuable new insights into household mortgage default risk.......We use Google search query data to develop a broad-based and real-time index of mortgage default risk. Unlike established indicators, our Mortgage Default Risk Index (MDRI) directly reflects households’concerns regarding their risk of mortgage default. The MDRI predicts housing returns, mortgage...

  14. Subsequence automata with default transitions

    DEFF Research Database (Denmark)

    Bille, Philip; Gørtz, Inge Li; Skjoldjensen, Frederik Rye

    2017-01-01

    of states and transitions) of the subsequence automaton is O(nσ) and that this bound is asymptotically optimal. In this paper, we consider subsequence automata with default transitions, that is, special transitions to be taken only if none of the regular transitions match the current character, and which do...... not consume the current character. We show that with default transitions, much smaller subsequence automata are possible, and provide a full trade-off between the size of the automaton and the delay, i.e., the maximum number of consecutive default transitions followed before consuming a character......(1), thus matching the bound for the standard subsequence automaton construction. Finally, we generalize the result to multiple strings. The key component of our result is a novel hierarchical automata construction of independent interest....

  15. Subsequence Automata with Default Transitions

    DEFF Research Database (Denmark)

    Bille, Philip; Gørtz, Inge Li; Skjoldjensen, Frederik Rye

    2016-01-01

    of states and transitions) of the subsequence automaton is O(nσ) and that this bound is asymptotically optimal. In this paper, we consider subsequence automata with default transitions, that is, special transitions to be taken only if none of the regular transitions match the current character, and which do...... not consume the current character. We show that with default transitions, much smaller subsequence automata are possible, and provide a full trade-off between the size of the automaton and the delay, i.e., the maximum number of consecutive default transitions followed before consuming a character......(nσ) and delay O(1), thus matching the bound for the standard subsequence automaton construction. The key component of our result is a novel hierarchical automata construction of independent interest....

  16. Optional Defaultable Markets

    Directory of Open Access Journals (Sweden)

    Mohamed N. Abdelghani

    2017-10-01

    Full Text Available The paper deals with defaultable markets, one of the main research areas of mathematical finance. It proposes a new approach to the theory of such markets using techniques from the calculus of optional stochastic processes on unusual probability spaces, which was not presented before. The paper is a foundation paper and contains a number of fundamental results on modeling of defaultable markets, pricing and hedging of defaultable claims and results on the probability of default under such conditions. Moreover, several important examples are presented: a new pricing formula for a defaultable bond and a new pricing formula for credit default swap. Furthermore, some results on the absence of arbitrage for markets on unusual probability spaces and markets with default are also provided.

  17. ALTERED DEFAULT MODE NETWORK (DMN) RESTING STATE FUNCTIONAL CONNECTIVITY FOLLOWING A MINDFULNESS-BASED EXPOSURE THERAPY FOR POSTTRAUMATIC STRESS DISORDER (PTSD) IN COMBAT VETERANS OF AFGHANISTAN AND IRAQ.

    Science.gov (United States)

    King, Anthony P; Block, Stefanie R; Sripada, Rebecca K; Rauch, Sheila; Giardino, Nicholas; Favorite, Todd; Angstadt, Michael; Kessler, Daniel; Welsh, Robert; Liberzon, Israel

    2016-04-01

    Recent studies suggest that mindfulness may be an effective component for posttraumatic stress disorder (PTSD) treatment. Mindfulness involves practice in volitional shifting of attention from "mind wandering" to present-moment attention to sensations, and cultivating acceptance. We examined potential neural correlates of mindfulness training using a novel group therapy (mindfulness-based exposure therapy (MBET)) in combat veterans with PTSD deployed to Afghanistan (OEF) and/or Iraq (OIF). Twenty-three male OEF/OIF combat veterans with PTSD were treated with a mindfulness-based intervention (N = 14) or an active control group therapy (present-centered group therapy (PCGT), N = 9). Pre-post therapy functional magnetic resonance imaging (fMRI, 3 T) examined resting-state functional connectivity (rsFC) in default mode network (DMN) using posterior cingulate cortex (PCC) and ventral medial prefrontal cortex (vmPFC) seeds, and salience network (SN) with anatomical amygdala seeds. PTSD symptoms were assessed at pre- and posttherapy with Clinician Administered PTSD Scale (CAPS). Patients treated with MBET had reduced PTSD symptoms (effect size d = 0.92) but effect was not significantly different from PCGT (d = 0.46). Increased DMN rsFC (PCC seed) with dorsolateral dorsolateral prefrontal cortex (DLPFC) regions and dorsal anterior cingulate cortex (ACC) regions associated with executive control was seen following MBET. A group × time interaction found MBET showed increased connectivity with DLPFC and dorsal ACC following therapy; PCC-DLPFC connectivity was correlated with improvement in PTSD avoidant and hyperarousal symptoms. Increased connectivity between DMN and executive control regions following mindfulness training could underlie increased capacity for volitional shifting of attention. The increased PCC-DLPFC rsFC following MBET was related to PTSD symptom improvement, pointing to a potential therapeutic mechanism of mindfulness-based therapies. © 2016 Wiley

  18. Defaults and Donations

    DEFF Research Database (Denmark)

    Altmann, Steffen; Falk, Armin; Heidhues, Paul

    We study how website defaults affect consumer behavior in the domain of charitable giving. In a field experiment that was conducted on a large platform for making charitable donations over the web, we exogenously vary the default options in two distinct choice dimensions. The first pertains...... to the primary donation decision, namely, how much to contribute to the charitable cause. The second relates to an "add-on" decision of how much to contribute to supporting the online platform itself. We find a strong impact of defaults on individual behavior: in each of our treatments, the modal positive...... contributions in both choice dimensions invariably correspond to the specified default amounts. Defaults, nevertheless, have no impact on aggregate donations. This is because defaults in the donation domain induce some people to donate more and others to donate less than they otherwise would have. In contrast...

  19. Explanation of nurse standard of external exposure acute radiation sickness

    International Nuclear Information System (INIS)

    Lu Xiuling; Jiang Enhai; Sun Feifei; Zhang Bin; Wang Xiaoguang; Wang Guilin

    2012-01-01

    National occupational health standard-Nurse Standard of External Exposure Acute Radiation Sickness has been approved and issued by the Ministry of Health. Based on the extensive research of literature, collection of the previous nuclear and radiation accidents excessive exposed personnel data and specific situations in China, this standard was enacted according to the current national laws, regulations, and the opinions of peer experts. It is mainly used for care of patients with acute radiation sickness, and also has directive significance for care of patients with iatrogenic acute radiation sickness which due to the hematopoietic stem cell transplantation pretreatment. To correctly carry out this standard and to reasonably implement nursing measures for patients with acute radiation sickness, the contents of this standard were interpreted in this article. (authors)

  20. Reducing occupational lead exposures: Strengthened standards for a healthy workforce.

    Science.gov (United States)

    Shaffer, Rachel M; Gilbert, Steven G

    2017-11-08

    Outdated federal and state occupational lead standards leave workers and their families vulnerable to the adverse effects of lead. Standards should be updated to reflect the best available scientific and medical evidence, which documents harm to multiple organ systems even at low levels of exposure. This commentary will review the inadequacies of existing policies, highlight susceptible populations, and briefly summarize state revision efforts to date. Federal policies must be strengthened to protect all workers and their families from this well-documented hazard. Copyright © 2017 Elsevier B.V. All rights reserved.

  1. Sovereign default risk assessment

    NARCIS (Netherlands)

    Rijken, H.A.; Altman, E.I.

    2013-01-01

    We propose a new approach toward assessing sovereign risk by examining rigorously the health and aggregate default risk of a nation's private corporate sector. Models can be utilised to measure the probability of default of the non-financial sector cumulatively for five years, both as an absolute

  2. Standardized approach for developing probabilistic exposure factor distributions

    Energy Technology Data Exchange (ETDEWEB)

    Maddalena, Randy L.; McKone, Thomas E.; Sohn, Michael D.

    2003-03-01

    The effectiveness of a probabilistic risk assessment (PRA) depends critically on the quality of input information that is available to the risk assessor and specifically on the probabilistic exposure factor distributions that are developed and used in the exposure and risk models. Deriving probabilistic distributions for model inputs can be time consuming and subjective. The absence of a standard approach for developing these distributions can result in PRAs that are inconsistent and difficult to review by regulatory agencies. We present an approach that reduces subjectivity in the distribution development process without limiting the flexibility needed to prepare relevant PRAs. The approach requires two steps. First, we analyze data pooled at a population scale to (1) identify the most robust demographic variables within the population for a given exposure factor, (2) partition the population data into subsets based on these variables, and (3) construct archetypal distributions for each subpopulation. Second, we sample from these archetypal distributions according to site- or scenario-specific conditions to simulate exposure factor values and use these values to construct the scenario-specific input distribution. It is envisaged that the archetypal distributions from step 1 will be generally applicable so risk assessors will not have to repeatedly collect and analyze raw data for each new assessment. We demonstrate the approach for two commonly used exposure factors--body weight (BW) and exposure duration (ED)--using data for the U.S. population. For these factors we provide a first set of subpopulation based archetypal distributions along with methodology for using these distributions to construct relevant scenario-specific probabilistic exposure factor distributions.

  3. Implementation of a primary standard for x-ray exposure

    International Nuclear Information System (INIS)

    Peixoto, Jose Guilherme Pereira

    1991-04-01

    In the scientific program of the National Laboratory for Ionizing Radiation Metrology of the Instituto de Radioprotecao e Dosimetria, which belongs to the Comissao Nacional de Energia Nuclear, a free-air ionization chamber should be established as an exposure primary standard for X-ray s of 10OKV to 250kV of potential range. Preliminary results showed that the available free-air ionization chamber was suitable to be used. The absolute measurement of the radiation quantity exposure, is performed with a free-air ionization chamber. Its geometrical volume, which allows the determination of the air mass, is defined by the effective aperture area and by the length of the region where an electrical field is applied. Most of the ions produced in such volume are collected as an ionization current. Since the collecting rod is small, and positioned far away from the X-ray beam, only a negligible fraction of ionization (0,01 %) is lost due to interactions with it. Parameters related to the measurement of the quantity exposure were evaluated, such as: air absorption, scattering inside the ionization chamber, saturation , beam homogeneity, influence Of beam size and influences of temperature, humidity and atmospheric pressure.Preliminary determination of correction factors has showed good results with 99.9% of repeatability and has demonstrated the reliability of the checked chamber as a standard instrument. (author)

  4. Implementing OWL Defaults

    National Research Council Canada - National Science Library

    Kolovski, Vladimir; Parsia, Bijan; Katz, Yarden

    2006-01-01

    ...) have often requested some form of non-monotonic reasoning. In this paper, we present preliminary optimizations and an implementation of a restricted version of Reiter's default logic as an extension to the description logic fragment of OWL, OWL DL...

  5. Loan Defaults in Africa

    OpenAIRE

    Svetlana Andrianova; Badi H Baltagi; Panicos O Demetriades

    2011-01-01

    African financial deepening is beset by a high rate of loan defaults, which encourages banks to hold liquid assets instead of lending. We put forward a novel theoretical model that captures the salient features of African credit markets which shows that equilibrium with high loan defaults and low lending can arise when contract enforcement institutions are weak, investment opportunities are relatively scarce and information imperfections abound. We provide evidence using a panel of 110 banks ...

  6. 78 FR 54279 - Proposed Information Collection; Health Standards for Diesel Particulate Matter Exposure...

    Science.gov (United States)

    2013-09-03

    ... provided in the desired format, reporting burden (time and financial resources) is minimized, collection... Information Collection; Health Standards for Diesel Particulate Matter Exposure (Underground Coal Mines... extension of the information collection for Health Standards for Diesel Particulate Matter Exposure...

  7. Default from tuberculosis treatment in Tashkent, Uzbekistan; who are these defaulters and why do they default?

    NARCIS (Netherlands)

    Hasker, Epco; Khodjikhanov, Maksad; Usarova, Shakhnoz; Asamidinov, Umid; Yuldashova, Umida; van der Werf, Marieke J.; Uzakova, Gulnoz; Veen, Jaap

    2008-01-01

    In Tashkent (Uzbekistan), TB treatment is provided in accordance with the DOTS strategy. Of 1087 pulmonary TB patients started on treatment in 2005, 228 (21%) defaulted. This study investigates who the defaulters in Tashkent are, when they default and why they default. We reviewed the records of 126

  8. Humidity correction in the standard measurement of exposure

    International Nuclear Information System (INIS)

    Ibaraki, Yasuyuki; Katoh, Akira

    1980-01-01

    This paper deals with the humidity correction to be made in the standard measurement of the exposure to the measured ionization current in the humid air for the purpose of excluding the influence of the water vapour that is not included in the definition of the exposure. First, formulae giving the humidity correction factors for a parallel plate free air chamber and a cavity chamber have been derived respectively in the case where the contributions of air and water vapour to the ionization are independent. Next, in the case where the contributions are not independent, i.e., the Jesse effect is taken into account, a formula to obtain the W-value for humid air has been derived on the basis of the Niatel's experimental result. Using this formula, formulae to obtain the humidity correction factors for the free air chamber and the cavity chamber are derived. The humidity calculated by the latter formulae show good agreements with the results by Niatel and Guiho, respectively. (author)

  9. Occupational exposures worldwide and revision of international standards for protection

    International Nuclear Information System (INIS)

    Czarwinski, R.; Crick, M. J.

    2011-01-01

    United Nations Scientific Committee on the Effects of Atomic Radiation (UNSCEAR) has become the world authority on the levels and effects of ionising radiation. Since 1975, UNSCEAR has evaluated inter alia the level of occupational exposure worldwide. Based on revised questionnaires, more detailed information is now available. The results of the last evaluation (1995-2002) will be shown in the paper. Lessons learned from the responses by UN Member States will be given, as well as an outline of plans for data collection in future cycles. The requirements for protection against exposure to ionising radiation of workers, the public and patients are established in the International Basic Safety Standards for Protection against Ionising Radiation and for the Safety of Radiation Sources (BSS), published in 1996. As a result of a review of the BSS in 2006, the International Atomic Energy Agency (IAEA) started a process for the revision of these standards in 2007. International organisations including the joint sponsoring organisations of the BSS-IAEA, FAO, ILO, OECD/NEA, PAHO and WHO-as well as potential new joint sponsoring organisations of the revised BSS-the European Commission and UNEP-were involved from the beginning in the revision process. The paper also provides a summary of the status of the Draft Revised BSS and describes the new format. The paper focuses, in particular, on requirements for the protection of workers as well as record keeping requirements, which provide the legal basis for the collection of specific data; these data are of the type that can be used by UNSCEAR. (authors)

  10. UK standards for exposure to radon daughters in dwellings

    International Nuclear Information System (INIS)

    Webb, G.A.M.; O'Riordan, M.C.

    1988-01-01

    The National Radiological Protection Board has issued formal advice on the standards to be adopted in the UK for control of exposures to radon daughters in existing dwellings and for changes in building procedures for future dwellings. The standards are based on those recommended by the International Commission on Radiological Protection but adapted to circumstances in the United Kingdom. The matters taken into account by the Board when formulating its advice include the conversion from measured concentrations of radon to effective dose equivalent and the implied levels of risk, the comparison of these levels with risks from other causes, the numbers of dwellings in which various annual doses are likely to be exceeded, the geographical distribution of these dwellings, the likely costs and effectiveness of various remedial measures and the degree of domestic disruption. The action level for existing dwellings selected by the Board was the same, 20 mSv per annum, as that recommended by the ICRP, but the upper bound for new dwellings of 5 mSv per annum was lower than that suggested by the ICRP

  11. UK standards for exposure to radon daughters in dwellings

    International Nuclear Information System (INIS)

    Webb, G.A.M.; O'Riordan, M.C.

    1988-01-01

    The National Radiological Protection Board has issued formal advice on the standards to be adopted in the UK for control of exposures to radon daughters in existing dwellings and for changes in building procedures for future dwellings. The standards are based on those recommended by the international commission on radiological protection but adapted to circumstances in the United Kingdom. The matters taken into account by the Board when formulating its advice, and which are discussed in the paper, include the conversion from measured concentrations of radon to effective dose equivalent and the implied levels of risk, the comparison of these levels with risks from other causes, the numbers of dwellings in which various annual doses are likely to be exceeded, the geographical distribution of these dwellings, the likely costs and effectiveness of various remedial measures and the degree of domestic disruption. The action level for existing dwellings selected by the Board was the same, 20 mSv per annum, as that recommended by the ICRP, but the upper bound for new dwellings of 5 mSv per annum was lower than that suggested by the ICRP [fr

  12. Default from tuberculosis treatment in Tashkent, Uzbekistan; Who are these defaulters and why do they default?

    Directory of Open Access Journals (Sweden)

    Yuldashova Umida

    2008-07-01

    Full Text Available Abstract Background In Tashkent (Uzbekistan, TB treatment is provided in accordance with the DOTS strategy. Of 1087 pulmonary TB patients started on treatment in 2005, 228 (21% defaulted. This study investigates who the defaulters in Tashkent are, when they default and why they default. Methods We reviewed the records of 126 defaulters (cases and 132 controls and collected information on time of default, demographic factors, social factors, potential risk factors for default, characteristics of treatment and recorded reasons for default. Results Unemployment, being a pensioner, alcoholism and homelessness were associated with default. Patients defaulted mostly during the intensive phase, while they were hospitalized (61%, or just before they were to start the continuation phase (26%. Reasons for default listed in the records were various, 'Refusal of further treatment' (27% and 'Violation of hospital rules' (18% were most frequently recorded. One third of the recorded defaulters did not really default but continued treatment under 'non-DOTS' conditions. Conclusion Whereas patient factors such as unemployment, being a pensioner, alcoholism and homelessness play a role, there are also system factors that need to be addressed to reduce default. Such system factors include the obligatory admission in TB hospitals and the inadequately organized transition from hospitalized to ambulatory treatment.

  13. Greener by Default

    DEFF Research Database (Denmark)

    Sunstein, Cass R.; Reisch, Lucia A.

    . The underlying reasons include the power of suggestion; inertia and procrastination; and loss aversion. If well-chosen, climate-friendly defaults are likely to have large effects in reducing the economic and environmental harms associated with various products and activities. In deciding whether to establish...

  14. Green by Default

    DEFF Research Database (Denmark)

    Sunstein, Cass R.; Reisch, Lucia

    2013-01-01

    The article offers information on the two sources of energy including green energy and gray energy. It discusses several facts which includes lower levels of greenhouse gases and conventional pollutants, relationship between economic incentives and underlying preferences and potential effects of ...... of green default rules.....

  15. Default risk in project finance

    NARCIS (Netherlands)

    Klompjan, R.; Wouters, Marc

    2002-01-01

    Understanding default risk in project finance is relevant to investors. This article investigates which factors are most strongly associated with the occurrence of project finance default, using data from 210 projects, of which 37 were in default. The authors found that the use of proven technology,

  16. 22 CFR 230.08 - Event of Default; Application for Compensation; payment.

    Science.gov (United States)

    2010-04-01

    ... 22 Foreign Relations 1 2010-04-01 2010-04-01 false Event of Default; Application for Compensation...-STANDARD TERMS AND CONDITIONS § 230.08 Event of Default; Application for Compensation; payment. At any time after an Event of Default, as this term is defined in an Eligible Note, any Noteholder hereunder, or the...

  17. 22 CFR 221.21 - Event of Default; Application for Compensation; payment.

    Science.gov (United States)

    2010-04-01

    ... 22 Foreign Relations 1 2010-04-01 2010-04-01 false Event of Default; Application for Compensation... GUARANTEE STANDARD TERMS AND CONDITIONS Procedure for Obtaining Compensation § 221.21 Event of Default; Application for Compensation; payment. At any time after an Event of Default, as this term is defined in an...

  18. 22 CFR 204.21 - Event of default; Application for compensation; Payment.

    Science.gov (United States)

    2010-04-01

    ... 22 Foreign Relations 1 2010-04-01 2010-04-01 false Event of default; Application for compensation... STANDARD TERMS AND CONDITIONS Procedure for Obtaining Compensation § 204.21 Event of default; Application for compensation; Payment. (a) Within one year after an Event of Default, as this term is defined in...

  19. 22 CFR 231.08 - Event of Default; Application for Compensation; payment.

    Science.gov (United States)

    2010-04-01

    ... 22 Foreign Relations 1 2010-04-01 2010-04-01 false Event of Default; Application for Compensation... LAW 108-11-STANDARD TERMS AND CONDITIONS § 231.08 Event of Default; Application for Compensation; payment. At any time after an Event of Default, as this term is defined in an Eligible Note, any...

  20. 78 FR 68447 - Exposure Draft-Standards for Internal Control in the Federal Government

    Science.gov (United States)

    2013-11-14

    ... GOVERNMENT ACCOUNTABILITY OFFICE Exposure Draft--Standards for Internal Control in the Federal... revisions to the Standards for Internal Control in the Federal Government, known as the ``Green Book,'' to... proposed changes contained in the 2013 Exposure Draft update to the Standards for Internal Control in the...

  1. 78 FR 52532 - Exposure Draft-Standards for Internal Control in the Federal Government

    Science.gov (United States)

    2013-08-23

    ... GOVERNMENT ACCOUNTABILITY OFFICE Exposure Draft--Standards for Internal Control in the Federal... to the Standards for Internal Control in the Federal Government, known as the ``Green Book,'' under... Exposure Draft update to the Standards for Internal Control in the Federal Government reflect major...

  2. 24 CFR 320.15 - Default.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Default. 320.15 Section 320.15... SECURITIES Pass-Through Type Securities § 320.15 Default. (a) Issuer default. Any failure or inability of the... default of the issuer. (b) Action upon default. Upon any default by the issuer, the Association may: (1...

  3. Default values for assessment of potential dermal exposure of the hands to industrial chemicals in the scope of regulatory risk assessments

    NARCIS (Netherlands)

    Marquart, H.; Warren, N.D.; Laitinen, J.; Hemmen, J.J. van

    2006-01-01

    Dermal exposure needs to be addressed in regulatory risk assessment of chemicals. The models used so far are based on very limited data. The EU project RISKOFDERM has gathered a large number of new measurements on dermal exposure to industrial chemicals in various work situations, together with

  4. Changing Default Fluoroscopy Equipment Settings Decreases Entrance Skin Dose in Patients.

    Science.gov (United States)

    Canales, Benjamin K; Sinclair, Lindsay; Kang, Diana; Mench, Anna M; Arreola, Manuel; Bird, Vincent G

    2016-04-01

    Proper fluoroscopic education and protocols may reduce the patient radiation dose but few prospective studies in urology have been performed. Using optically stimulated luminescent dosimeters we tested whether fluoroscopy time and/or entrance skin dose would decrease after educational and radiation reduction protocols. At default manufacturer settings fluoroscopy time and entrance skin dose were prospectively measured using optically stimulated luminescent dosimeters in patients undergoing ureteroscopy, retrograde pyelogram/stent or percutaneous nephrolithotomy with access for stone disease. A validated radiation safety competency test was administered to urology faculty and residents before and after web based, hands-on fluoroscopy training. Default fluoroscopy settings were changed from continuous to intermittent pulse rate and from standard to half-dose output. Fluoroscopy time and entrance skin dose were then measured again. The cohorts of 44 pre-protocol and 50 post-protocol patients with stones were similarly matched. The change in mean fluoroscopy time and entrance skin dose from pre-protocol to post-protocol was -0.6 minutes and -11.6 mGy (33%) for percutaneous nephrolithotomy (p = 0.62 and default settings to intermittent pulse rate (12 frames per second) and half-dose lowered the entrance skin dose by 30% across all endourology patients but most significantly during percutaneous nephrolithotomy. To limit patient radiation exposure fluoroscopy default settings should be decreased before all endourology procedures and image equipment manufacturers should consider lowering standard default renal settings. Copyright © 2016 American Urological Association Education and Research, Inc. Published by Elsevier Inc. All rights reserved.

  5. The effect of default values in regulation matters

    International Nuclear Information System (INIS)

    Jang, Seung-cheol; Jung, Won-dea; Ha, Jae-joo; Jin, Young-ho

    1998-01-01

    Both performing and validating a detailed risk analysis of a complex system are costly and time-consuming undertakings. With the increased use of probabilistic risk analysis (PRA) in regulatory decision making, both PRA practitioners (usually, licensees) and regulators have generally favored the use of defaults because they can greatly facilitate the process of performing a PRA in the first place as well as the process of reviewing and verifying the PRA. The use of defaults can also ensure more uniform standards of PRA quality. However, different regulatory agencies differ in their approaches to the use of default values, and the implications of these differences are not yet widely understood. Moreover, large heterogeneity among licensees makes it difficult to set suitable defaults. This paper will focus on the effect of default values on estimates of risk. In particular, the following questions will be explored: ''How should defaults be set?''; and ''What are the implications of choosing different default values?'' Some insights on the effects of different levels of conservatism in setting defaults will be provided. This can help decision makers evaluate the levels of safety likely to result from regulatory decisions

  6. Credit Default Swap Valuation with Counterparty Risk

    OpenAIRE

    Leung, Seng Yuen; Kwok, Yue Kuen

    2005-01-01

    Using the reduced form framework with inter-dependent default correlation, we perform valuation of credit default swap with counterparty risk. The inter-dependent default risk structure between the protection buyer, protection seller and the reference entity in a credit default swap are characterized by their correlated default intensities, where the default intensity of one party increases when the default of another party occurs. We explore how settlement risk and replacement cost affect th...

  7. The primary exposure standard for Co-60 gamma radiation: characteristics and measurements procedures

    International Nuclear Information System (INIS)

    Laitano, R.F.; Toni, M.P.

    1983-01-01

    A description is given of a cavity ionization chamber used, as a primary exposure standard, at the Laboratorio di Metrologia delle Radiazioni Ionizzanti of the ENEA in Italy. The primary standard is designed to make absolute measurements of exposure due to the Co-60 gamma radiation. The procedures for the realizationof the exposure unit are also described. Finally results of some international comparisons are reported

  8. Standardizing measurement, sampling and reporting for public exposure assessments

    Energy Technology Data Exchange (ETDEWEB)

    Rochedo, Elaine R.R. [Instituto de Radioprotecao e Dosimetria, Comissao Nacional de Energia Nuclear, Av. Salvador Allende s/No. CEP 22780-160 Rio de Janeiro, RJ (Brazil)], E-mail: elaine@ird.gov.br

    2008-11-15

    UNSCEAR assesses worldwide public exposure from natural and man-made sources of ionizing radiation based on information submitted to UNSCEAR by United Nations Member States and from peer reviewed scientific literature. These assessments are used as a basis for radiation protection programs of international and national regulatory and research organizations. Although UNSCEAR describes its assessment methodologies, the data are based on various monitoring approaches. In order to reduce uncertainties and improve confidence in public exposure assessments, it would be necessary to harmonize the methodologies used for sampling, measuring and reporting of environmental results.

  9. 45 CFR 672.10 - Default order.

    Science.gov (United States)

    2010-10-01

    ... 45 Public Welfare 3 2010-10-01 2010-10-01 false Default order. 672.10 Section 672.10 Public... HEARING PROCEDURES § 672.10 Default order. (a) Default. The Presiding Officer may find a party in default.... No finding of default on the basis of a failure to appear at a hearing shall be made against the...

  10. 40 CFR 22.17 - Default.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 1 2010-07-01 2010-07-01 false Default. 22.17 Section 22.17 Protection... Procedures § 22.17 Default. (a) Default. A party may be found to be in default: after motion, upon failure to... hearing. Default by respondent constitutes, for purposes of the pending proceeding only, an admission of...

  11. 40 CFR 305.24 - Default order.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 27 2010-07-01 2010-07-01 false Default order. 305.24 Section 305.24... Default order. (a) Default. A party may be found to be in default: after motion, upon failure of the... default on the basis of failure to appear at a hearing shall be made against the Claims Official unless...

  12. Conceptual and Statistical Issues Regarding the Probability of Default and Modeling Default Risk

    Directory of Open Access Journals (Sweden)

    Emilia TITAN

    2011-03-01

    Full Text Available In today’s rapidly evolving financial markets, risk management offers different techniques in order to implement an efficient system against market risk. Probability of default (PD is an essential part of business intelligence and customer relation management systems in the financial institutions. Recent studies indicates that underestimating this important component, and also the loss given default (LGD, might threaten the stability and smooth running of the financial markets. From the perspective of risk management, the result of predictive accuracy of the estimated probability of default is more valuable than the standard binary classification: credible or non credible clients. The Basle II Accord recognizes the methods of reducing credit risk and also PD and LGD as important components of advanced Internal Rating Based (IRB approach.

  13. The report of medical exposures in diagnostic radiology. Pt. 1. The questionnaire of medical exposure and standard radiation exposure

    International Nuclear Information System (INIS)

    Sasakawa, Yasuhiro; Matsumura, Yoshitaka; Iwasaki, Takanobu; Segawa, Hiroo; Yasuda, Sadatoshi; Kusuhara, Toshiaki

    1997-01-01

    We had made reports of patient radiation exposure for doctors to judge adaptation of medical radiation rightly. By these reports the doctors can be offered data of exposure dose and somatic effect. First, we sent out questionnaires so that we grasped the doctor's understanding about radiation exposure. Consequently we understood that the doctors had demanded data of exposure dose and somatic effect. Secondly, by the result of questionnaires we made the tables of exposure dose about radiological examination. As a result we have be able to presume exposure dose about high radiation sensitive organization as concrete figures. (author)

  14. Default options and training participation

    NARCIS (Netherlands)

    Borghans, L.; Golsteyn, B.H.H.

    2013-01-01

    This paper analyzes whether defaults affect the choice for courses followed at work. In addition, we analyze whether the size of the default effect varies with employees’ personality and skill-deficiencies. We perform an experiment in which workers are hypothetically offered three courses which they

  15. Sato Processes in Default Modeling

    DEFF Research Database (Denmark)

    Kokholm, Thomas; Nicolato, Elisa

    In reduced form default models, the instantaneous default intensity is classically the modeling object. Survival probabilities are then given by the Laplace transform of the cumulative hazard defined as the integrated intensity process. Instead, recent literature has shown a tendency towards...

  16. Sato Processes in Default Modeling

    DEFF Research Database (Denmark)

    Kokholm, Thomas; Nicolato, Elisa

    2010-01-01

    In reduced form default models, the instantaneous default intensity is the classical modeling object. Survival probabilities are then given by the Laplace transform of the cumulative hazard defined as the integrated intensity process. Instead, recent literature tends to specify the cumulative...

  17. Default options and training participation

    NARCIS (Netherlands)

    Borghans, L.; Golsteyn, B.H.H.

    2013-01-01

    This paper analyzes whether defaults affect the choice for courses followed at work. In addition, we analyze whether the size of the default effect varies with employees' personality and skill- deficiencies. We perform an experiment in which workers are hypothetically offered three courses which

  18. Cohort Default Rates in Context

    Science.gov (United States)

    Looney, Shannon M.

    2011-01-01

    Burgeoning student loan debt indicates problems not only for the country's borrowers but also for the postsecondary system. The rise in student loan defaults signifies a rise in institutional cohort default rates (CDRs)--a measure of accountability that informs the government and the general public how well an institution prepares its students for…

  19. Recommendations to reduce hand exposure for standard nuclear medicine procedures

    International Nuclear Information System (INIS)

    Sans-Merce, M.; Ruiz, N.; Barth, I.; Carnicer, A.; Donadille, L.; Ferrari, P.; Fulop, M.; Ginjaume, M.; Gualdrini, G.; Krim, S.; Mariotti, F.; Ortega, X.; Rimpler, A.; Vanhavere, F.; Baechler, S.

    2011-01-01

    The optimization of the extremity dosimetry of medical staff in nuclear medicine was the aim of the Work Package 4 (WP4) of the ORAMED project, a Collaborative Project (2008–2011) supported by the European Commission within its 7th Framework Programme. Hand doses and dose distributions across the hands of medical staff working in nuclear medicine departments were evaluated through an extensive measurement program involving 32 hospitals in Europe and 139 monitored workers. The study included the most frequently used radionuclides, 99m Tc- and 18 F-labelled radiopharmaceuticals for diagnostic and 90 Y-labelled Zevalin ® and DOTATOC for therapy. Furthermore, Monte Carlo simulations were performed in different predefined scenarios to evaluate separately the efficacy of different radiation protection measures by comparing hand dose distributions according to various parameters. The present work gives recommendations based on results obtained with both measurements and simulations. This results in nine practical recommendations regarding the positioning of the dosemeters for an appropriate skin dose monitoring and the best protection means to reduce the personnel exposure.

  20. At Home with Sustainability: From Green Default Rules to Sustainable Consumption

    Directory of Open Access Journals (Sweden)

    Lara Anne Hale

    2018-01-01

    Full Text Available Although it is often assumed that default rules affect change without awareness, this paper suggests that contrast with the default and transition into conscious adoption of the default design may be the starting point to establish long-term changes in consumer behavior. Despite the rooting of default rules in subconscious decision-making, this research finds that, ultimately, awareness drives the demand necessary for the creation of sustainable consumption. Whereas direct appeal to individuals has a disappointing level of influence on sustainability choices, it is understood that green consumers do come from somewhere. Green default rules offer interesting prospects for sidestepping the drawbacks of direct marketing to individuals. Under green default rules, behavior is guided by a default, such as utilities automatically sending customers renewables-sourced instead of fossil-fuel-based energy. To act otherwise requires additional effort and is less likely. Motivated by a need to understand how defaults might bridge standards and sustainable consumption, I investigate how organizational processes potentially lead from standardized green default rules to individual awareness that can spread and facilitate sustainable consumption. This paper examines the Active House sustainable building demonstrations in Europe in order to understand how (1 communications and market creation and (2 responsible, user-centered experimentation are organized to move from defaults to sustainable consumption.

  1. National Standard for Limiting Occupational Exposure to Ionizing Radiation. NOHSC:1013(1995)

    International Nuclear Information System (INIS)

    1995-06-01

    The objectives of The National Standard for Limiting Occupational Exposure to Ionizing Radiation are to limit the risk to health arising from exposure to ionizing radiation in the workplace and to optimize radiation protection by setting common essential requirements for the control of exposure to radiation, including the specification of employer duties and employee duties. It serves to identify the provisions which are to be made in the regulations of States, Territories and the Commonwealth for the control of occupational exposure to radiation. It is recognised that legislation, including regulations, may already exist which covers all or part of the scope of this Standard. It is also recognised that it may not be appropriate to take up this Standard verbatim because of differing legislative frameworks and drafting conventions in each State and Territory and in the Commonwealth. However, it is expected that the implementation of the provisions contained in this Standard will be nationally consistent. This Standard deals only with occupational health and safety matters related to exposure to ionizing radiation; the appropriate authority should be consulted about other radiation control requirements which may apply. The complementary 'Recommendations for Limiting Exposure to Ionizing Radiation' - Guidance note NOHSC:3022(1995)- Radiation Health series no. 39 - describes the principles and practice on which this Standard is based and provides interpretive and reference material. It supersedes earlier recommendations of the NHMRC: Recommended Radiation Protection Standards for Individuals Exposed to Ionising Radiation, adopted in 1980, Australia's Radiation Protection Standards (1989) and the Interim on Australia's Radiation Protection Standards (1991). These revised Recommendations for application in Australia take into account the most recent recommendations of the ICRP, which were adopted after careful review of all available scientific evidence concerning the

  2. The brain's default mode network.

    Science.gov (United States)

    Raichle, Marcus E

    2015-07-08

    The brain's default mode network consists of discrete, bilateral and symmetrical cortical areas, in the medial and lateral parietal, medial prefrontal, and medial and lateral temporal cortices of the human, nonhuman primate, cat, and rodent brains. Its discovery was an unexpected consequence of brain-imaging studies first performed with positron emission tomography in which various novel, attention-demanding, and non-self-referential tasks were compared with quiet repose either with eyes closed or with simple visual fixation. The default mode network consistently decreases its activity when compared with activity during these relaxed nontask states. The discovery of the default mode network reignited a longstanding interest in the significance of the brain's ongoing or intrinsic activity. Presently, studies of the brain's intrinsic activity, popularly referred to as resting-state studies, have come to play a major role in studies of the human brain in health and disease. The brain's default mode network plays a central role in this work.

  3. 48 CFR 252.217-7009 - Default.

    Science.gov (United States)

    2010-10-01

    ... 48 Federal Acquisition Regulations System 3 2010-10-01 2010-10-01 false Default. 252.217-7009... Clauses 252.217-7009 Default. As prescribed in 217.7104(a), use the following clause: Default (DEC 1991... of default to the Contractor, terminate the whole or any part of a job order if the Contractor fails...

  4. 19 CFR 210.16 - Default.

    Science.gov (United States)

    2010-04-01

    ... 19 Customs Duties 3 2010-04-01 2010-04-01 false Default. 210.16 Section 210.16 Customs Duties... ADJUDICATION AND ENFORCEMENT Motions § 210.16 Default. (a) Definition of default. (1) A party shall be found in default if it fails to respond to the complaint and notice of investigation in the manner prescribed in...

  5. 24 CFR 241.1235 - Cross default.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Cross default. 241.1235 Section 241... Rights and Obligations § 241.1235 Cross default. In the event the borrower commits a default under a prior recorded insured mortgage and the holder thereof initiates a foreclosure proceeding, said default...

  6. 40 CFR 209.24 - Default order.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 24 2010-07-01 2010-07-01 false Default order. 209.24 Section 209.24... Orders Issued Under Section 11(d) of the Noise Control Act § 209.24 Default order. (a) Default. Respondent may be found to be in default upon failure to comply with a prehearing or hearing ruling of the...

  7. 13 CFR 120.938 - Default.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Default. 120.938 Section 120.938... Program (504) 504 Loans and Debentures § 120.938 Default. (a) Upon occurrence of an event of default... occurrence of an event of default which does not require automatic acceleration, SBA may forbear acceleration...

  8. Study on default setting for risk-informed regulation

    International Nuclear Information System (INIS)

    Jang, S.C.; Ha, J.J.; Jung, W.D.; Jeong, K.S.; Han, S.H.

    1998-12-01

    Both performing and validating a detailed risk analysis of a complex system are costly and time-consuming undertakings. With the increased use of probabilistic safety analysis (PSA) in regulatory decision making, both regulated parties and regulators have generally favored the use of defaults, because they can greatly facilitate the process of performing a PSA in the first place as well as the process of reviewing and verifying the PSA. The use of defaults may also ensure more uniform standards of PSA quality. However, regulatory agencies differ in their approaches to the use of default values, and the implications of these differences are not yet well understood. Moreover, large heterogeneity among licensees makes it difficult to set suitable defaults. This study focus on the development of model for setting defaults in order to achieve more applicability of risk-informed regulation. In particular, explored are the effects of different levels of conservatism in setting defaults, and their implications for the crafting of regularity incentives. (author). 17 refs., 1 tab

  9. Targeting clinician concerns about exposure therapy: A pilot study comparing standard vs. enhanced training.

    Science.gov (United States)

    Farrell, Nicholas R; Kemp, Joshua J; Blakey, Shannon M; Meyer, Johanna M; Deacon, Brett J

    2016-10-01

    Owing to concerns about the safety and tolerability of exposure therapy, many clinicians deliver the treatment in an overly cautious manner, which may limit its effectiveness. Although didactic training in exposure reduces clinician concerns about the treatment to a moderate extent, improved training strategies are needed to minimize these concerns and improve exposure delivery. The present study compared the effectiveness of a standard (i.e., didactic) exposure therapy training model to an "enhanced" training paradigm encompassing strategies derived from social-cognitive theory on attitude change. Clinicians (N = 49) were assigned to one of the two training approaches. Relative to standard training, clinicians who received enhanced training showed: (a) significantly greater reductions in concerns about exposure from pre- to post-training, and (b) superior self-reported delivery of the treatment. Reduction in concerns during training mediated the effects of training condition on clinicians' self-reported exposure delivery. These findings underscore the importance of addressing clinician concerns about exposure therapy in training contexts. Copyright © 2016 Elsevier Ltd. All rights reserved.

  10. Numerical ability predicts mortgage default

    Science.gov (United States)

    Gerardi, Kristopher; Goette, Lorenz; Meier, Stephan

    2013-01-01

    Unprecedented levels of US subprime mortgage defaults precipitated a severe global financial crisis in late 2008, plunging much of the industrialized world into a deep recession. However, the fundamental reasons for why US mortgages defaulted at such spectacular rates remain largely unknown. This paper presents empirical evidence showing that the ability to perform basic mathematical calculations is negatively associated with the propensity to default on one’s mortgage. We measure several aspects of financial literacy and cognitive ability in a survey of subprime mortgage borrowers who took out loans in 2006 and 2007, and match them to objective, detailed administrative data on mortgage characteristics and payment histories. The relationship between numerical ability and mortgage default is robust to controlling for a broad set of sociodemographic variables, and is not driven by other aspects of cognitive ability. We find no support for the hypothesis that numerical ability impacts mortgage outcomes through the choice of the mortgage contract. Rather, our results suggest that individuals with limited numerical ability default on their mortgage due to behavior unrelated to the initial choice of their mortgage. PMID:23798401

  11. Numerical ability predicts mortgage default.

    Science.gov (United States)

    Gerardi, Kristopher; Goette, Lorenz; Meier, Stephan

    2013-07-09

    Unprecedented levels of US subprime mortgage defaults precipitated a severe global financial crisis in late 2008, plunging much of the industrialized world into a deep recession. However, the fundamental reasons for why US mortgages defaulted at such spectacular rates remain largely unknown. This paper presents empirical evidence showing that the ability to perform basic mathematical calculations is negatively associated with the propensity to default on one's mortgage. We measure several aspects of financial literacy and cognitive ability in a survey of subprime mortgage borrowers who took out loans in 2006 and 2007, and match them to objective, detailed administrative data on mortgage characteristics and payment histories. The relationship between numerical ability and mortgage default is robust to controlling for a broad set of sociodemographic variables, and is not driven by other aspects of cognitive ability. We find no support for the hypothesis that numerical ability impacts mortgage outcomes through the choice of the mortgage contract. Rather, our results suggest that individuals with limited numerical ability default on their mortgage due to behavior unrelated to the initial choice of their mortgage.

  12. Default supply issues divides consumer advocates

    International Nuclear Information System (INIS)

    Anon.

    1999-01-01

    In Toronto, various agencies, all claiming to represent the best interests of consumers, have taken very different positions on the limits that should be placed on suppliers of standard electricity service, due to an unexpected effect of Ontario's market design. The debate has polarized into either support for the Market Design Committee's recommendations restricting local companies' distribution of electricity to one of passing on the spot market price to their standard customers or the view that municipal utilities should be permitted to enter into contracts for power in order to supply the needs of their standard service customers. The Independent Power Producers' Society of Ontario (IPPSO) takes the position that its member companies should have direct access to the default supply market and not to be forced to deal solely with the spot market to reach this market sector. This default market is expected to be the largest potential end use market in Ontario for the power produced and/or sold by IPPSO members. It is expected to be 70% of the total Ontario wholesale electricity market for many years to come

  13. Robustness of Distance-to-Default

    DEFF Research Database (Denmark)

    Jessen, Cathrine; Lando, David

    2013-01-01

    . A notable exception is a model with stochastic volatility of assets. In this case both the ranking of firms and the estimated default probabilities using distance-to-default perform significantly worse. We therefore propose a volatility adjustment of the distance-to-default measure, that significantly...... simulations to investigate the robustness of the distance-to-default measure to different model specifications. Overall we find distance-to-default to be robust to a number of deviations from the simple Merton model that involve different asset value dynamics and different default triggering mechanisms...

  14. A note on neglect defaulting

    Directory of Open Access Journals (Sweden)

    Howard Margolis

    2008-04-01

    Full Text Available I introduce the notion of ``neglect defaulting,'' which labels the propensity to neglect possibilities which are ordinarily sensibly neglected. In familiar contexts we are well-tuned to recognize when to override the default. But outside the range of familiar experience --- here in the artificial context of puzzles --- these ordinarily benign defaults can make it difficult for even sophisticated subjects, such as readers of this note, to avoid responses which on reflection will be seen as obviously mistaken. A detail of particular importance is that, although subjects are easily prompted to take one step in the direction of reaching a sound response, the tendency to then neglect to consider that another step may be needed is remarkably strong. In each of the five examples the needed but usually neglected second step is quite trivial. Concluding remarks point to consequences for larger questions outside the range of familiar experience, in politics and other contexts out of scale with everyday experience.

  15. Default neglect in attempts at social influence.

    Science.gov (United States)

    Zlatev, Julian J; Daniels, David P; Kim, Hajin; Neale, Margaret A

    2017-12-26

    Current theories suggest that people understand how to exploit common biases to influence others. However, these predictions have received little empirical attention. We consider a widely studied bias with special policy relevance: the default effect, which is the tendency to choose whichever option is the status quo. We asked participants (including managers, law/business/medical students, and US adults) to nudge others toward selecting a target option by choosing whether to present that target option as the default. In contrast to theoretical predictions, we find that people often fail to understand and/or use defaults to influence others, i.e., they show "default neglect." First, in one-shot default-setting games, we find that only 50.8% of participants set the target option as the default across 11 samples ( n = 2,844), consistent with people not systematically using defaults at all. Second, when participants have multiple opportunities for experience and feedback, they still do not systematically use defaults. Third, we investigate beliefs related to the default effect. People seem to anticipate some mechanisms that drive default effects, yet most people do not believe in the default effect on average, even in cases where they do use defaults. We discuss implications of default neglect for decision making, social influence, and evidence-based policy.

  16. Constructing an exposure chart: step by step (based on standard procedures)

    International Nuclear Information System (INIS)

    David, Jocelyn L; Cansino, Percedita T.; Taguibao, Angileo P.

    2000-01-01

    An exposure chart is very important in conducting radiographic inspection of materials. By using an accurate exposure chart, an inspector is able to avoid a trial and error way of determining correct time to expose a specimen, thereby producing a radiograph that has an acceptable density based on a standard. The chart gives the following information: x-ray machine model and brand, distance of the x-ray tube from the film, type and thickness of intensifying screens, film type, radiograph density, and film processing conditions. The methods of preparing an exposure chart are available in existing radiographic testing manuals. These described methods are presented in step by step procedures, covering the actual laboratory set-up, data gathering, computations, and transformation of derived data into Characteristic Curve and Exposure Chart

  17. 47 CFR 64.1703 - Dispute resolution default process.

    Science.gov (United States)

    2010-10-01

    ... 47 Telecommunication 3 2010-10-01 2010-10-01 false Dispute resolution default process. 64.1703 Section 64.1703 Telecommunication FEDERAL COMMUNICATIONS COMMISSION (CONTINUED) COMMON CARRIER SERVICES... recommendation(s) must be included in the final industry-wide standard or industry-wide generic requirement...

  18. SME loan defaults in Bangladesh

    International Development Research Centre (IDRC) Digital Library (Canada)

    ... disbursement targets, especially in rural areas, also contributes to loan default. Lack of awareness regarding various fees and charges for loan processing purposes deducted at the outset was also found to be a problem. Bank data shows that despite a large amount of excess liquidity, interest rates charged on loans have ...

  19. Climate-friendly Default Rules

    DEFF Research Database (Denmark)

    Sunstein, Cass R.; Reisch, Lucia A.

    . The underlying reasons include the power of suggestion; inertia and procrastination; and loss aversion. If well-chosen, climate-friendly defaults are likely to have large effects in reducing the economic and environmental harms associated with various products and activities. In deciding whether to establish...

  20. 17 CFR 201.155 - Default; motion to set aside default.

    Science.gov (United States)

    2010-04-01

    ... 17 Commodity and Securities Exchanges 2 2010-04-01 2010-04-01 false Default; motion to set aside default. 201.155 Section 201.155 Commodity and Securities Exchanges SECURITIES AND EXCHANGE COMMISSION RULES OF PRACTICE Rules of Practice General Rules § 201.155 Default; motion to set aside default. (a) A...

  1. 49 CFR 1112.3 - Default for failure to comply with schedule; effect of default.

    Science.gov (United States)

    2010-10-01

    ... 49 Transportation 8 2010-10-01 2010-10-01 false Default for failure to comply with schedule; effect of default. 1112.3 Section 1112.3 Transportation Other Regulations Relating to Transportation... § 1112.3 Default for failure to comply with schedule; effect of default. If a party fails to comply with...

  2. Robustness of Distance-to-Default

    DEFF Research Database (Denmark)

    Jessen, Cathrine; Lando, David

    2013-01-01

    Distance-to-default is a remarkably robust measure for ranking firms according to their risk of default. The ranking seems to work despite the fact that the Merton model from which the measure is derived produces default probabilities that are far too small when applied to real data. We use simul...

  3. 39 CFR 965.7 - Default.

    Science.gov (United States)

    2010-07-01

    ... 39 Postal Service 1 2010-07-01 2010-07-01 false Default. 965.7 Section 965.7 Postal Service UNITED STATES POSTAL SERVICE PROCEDURES RULES OF PRACTICE IN PROCEEDINGS RELATIVE TO MAIL DISPUTES § 965.7 Default. A party who fails to file the submittal required by § 965.5 may be held in default and the...

  4. 15 CFR 280.208 - Default.

    Science.gov (United States)

    2010-01-01

    ... 15 Commerce and Foreign Trade 1 2010-01-01 2010-01-01 false Default. 280.208 Section 280.208... Enforcement § 280.208 Default. (a) General. Failure of the respondent to file an answer within the time...) Petition to set aside default—(1) Procedure. Upon petition filed by a respondent against whom a default...

  5. 31 CFR 10.64 - Answer; default.

    Science.gov (United States)

    2010-07-01

    ... 31 Money and Finance: Treasury 1 2010-07-01 2010-07-01 false Answer; default. 10.64 Section 10.64... SERVICE Rules Applicable to Disciplinary Proceedings § 10.64 Answer; default. (a) Filing. The respondent's... need be adduced at a hearing. (d) Default. Failure to file an answer within the time prescribed (or...

  6. 22 CFR 128.4 - Default.

    Science.gov (United States)

    2010-04-01

    ... 22 Foreign Relations 1 2010-04-01 2010-04-01 false Default. 128.4 Section 128.4 Foreign Relations DEPARTMENT OF STATE INTERNATIONAL TRAFFIC IN ARMS REGULATIONS ADMINISTRATIVE PROCEDURES § 128.4 Default. (a... default. The case shall then be referred to the Administrative Law Judge for consideration in a manner as...

  7. What should your DC default be?

    NARCIS (Netherlands)

    Cui, J.

    2009-01-01

    As reported, most DC pension scheme participants simply follow proposed defaults, even though they have the freedom to choose. Consequently, default designs have dramatic impacts on individuals’retirement saving outcomes. Given the fact that the default design matters, this paper evaluates

  8. 39 CFR 952.11 - Default.

    Science.gov (United States)

    2010-07-01

    ... 39 Postal Service 1 2010-07-01 2010-07-01 false Default. 952.11 Section 952.11 Postal Service... AND LOTTERY ORDERS § 952.11 Default. (a) If the Respondent fails to file an answer within the time specified in the notice of answer and hearing, he shall be deemed in default, and to have waived hearing and...

  9. 10 CFR 820.33 - Default order.

    Science.gov (United States)

    2010-01-01

    ... 10 Energy 4 2010-01-01 2010-01-01 false Default order. 820.33 Section 820.33 Energy DEPARTMENT OF ENERGY PROCEDURAL RULES FOR DOE NUCLEAR ACTIVITIES Enforcement Process § 820.33 Default order. (a) Default. The Presiding Officer, upon motion by a party or the filing of a Notice of Intent to issue a...

  10. 24 CFR 320.31 - Default.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Default. 320.31 Section 320.31 Housing and Urban Development Regulations Relating to Housing and Urban Development (Continued) GOVERNMENT... SECURITIES Bond-Type Securities § 320.31 Default. Upon default of the issuer, the Association has the right...

  11. 24 CFR 886.314 - Financial default.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 4 2010-04-01 2010-04-01 false Financial default. 886.314 Section... Program for the Disposition of HUD-Owned Projects § 886.314 Financial default. In the event of a financial default under the project mortgage, HUD shall have the right to make subsequent housing assistance...

  12. Counting Processes for Retail Default Modeling

    DEFF Research Database (Denmark)

    Kiefer, Nicholas Maximilian; Larson, C. Erik

    in a discrete state space. In a simple case, the states could be default/non-default; in other models relevant for credit modeling the states could be credit scores or payment status (30 dpd, 60 dpd, etc.). Here we focus on the use of stochastic counting processes for mortgage default modeling, using data...

  13. 10 CFR 110.110 - Default.

    Science.gov (United States)

    2010-01-01

    ... 10 Energy 2 2010-01-01 2010-01-01 false Default. 110.110 Section 110.110 Energy NUCLEAR REGULATORY COMMISSION (CONTINUED) EXPORT AND IMPORT OF NUCLEAR EQUIPMENT AND MATERIAL Hearings § 110.110 Default. When a participant fails to act within a specified time, the presiding officer may consider him in default, issue an...

  14. 24 CFR 201.16 - Default provision.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Default provision. 201.16 Section... PROPERTY IMPROVEMENT AND MANUFACTURED HOME LOANS Loan and Note Provisions § 201.16 Default provision. The... default by the borrower. ...

  15. 39 CFR 953.7 - Default; Appearances.

    Science.gov (United States)

    2010-07-01

    ... 39 Postal Service 1 2010-07-01 2010-07-01 false Default; Appearances. 953.7 Section 953.7 Postal... § 953.7 Default; Appearances. If a timely reply to the appeal is not filed, the presiding officer shall... Inspector or his or her designee is in default. Whenever the General Counsel or the Chief Postal Inspector...

  16. 15 CFR 766.7 - Default.

    Science.gov (United States)

    2010-01-01

    ... 15 Commerce and Foreign Trade 2 2010-01-01 2010-01-01 false Default. 766.7 Section 766.7 Commerce... PROCEEDINGS § 766.7 Default. (a) General. Failure of the respondent to file an answer within the time provided... aside default—(1) Procedure. Upon petition filed by a respondent against whom a default order has been...

  17. 24 CFR 902.79 - Substantial default.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 4 2010-04-01 2010-04-01 false Substantial default. 902.79 Section... PUBLIC HOUSING ASSESSMENT SYSTEM PHAS Incentives and Remedies § 902.79 Substantial default. (a) Events or conditions that constitute substantial default. The following events or conditions shall constitute...

  18. 29 CFR 4043.67 - Loan default.

    Science.gov (United States)

    2010-07-01

    ... 29 Labor 9 2010-07-01 2010-07-01 false Loan default. 4043.67 Section 4043.67 Labor Regulations... CERTAIN OTHER NOTIFICATION REQUIREMENTS Advance Notice of Reportable Events § 4043.67 Loan default. (a) Reportable event and information required. Advance notice is required for a loan default, as described in...

  19. 27 CFR 41.116 - Default.

    Science.gov (United States)

    2010-04-01

    ... 27 Alcohol, Tobacco Products and Firearms 2 2010-04-01 2010-04-01 false Default. 41.116 Section 41... Deferred Payment of Tax in Puerto Rico on Tobacco Products § 41.116 Default. Where a check or money order... the full amount of tax due thereunder, or where a bonded manufacturer is otherwise in default in...

  20. Reasoning by cases in Default Logic

    NARCIS (Netherlands)

    Roos, N.; Roos, Nico

    1998-01-01

    Reiter's Default Logic is one of the most popular formalisms for describing default reasoning. One important defect of Default Logic is, however, the inability to reason by cases. Over the years, several solutions for this problem have been proposed. All these proposals deal with deriving new

  1. 10 CFR 800.304 - Default.

    Science.gov (United States)

    2010-01-01

    ... 10 Energy 4 2010-01-01 2010-01-01 false Default. 800.304 Section 800.304 Energy DEPARTMENT OF... ASSISTANCE Loan Administration § 800.304 Default. (a) In the event that the borrower fails to perform the terms and conditions of the loan, the borrower shall be in default and the Secretary shall have the...

  2. 39 CFR 963.11 - Default.

    Science.gov (United States)

    2010-07-01

    ... 39 Postal Service 1 2010-07-01 2010-07-01 false Default. 963.11 Section 963.11 Postal Service... PANDERING ADVERTISEMENTS STATUTE, 39 U.S.C. 3008 § 963.11 Default. If a petitioner, without notice or cause... thereupon may find the petitioner to be in default and refer the matter to the Judicial Officer for...

  3. 39 CFR 959.10 - Default.

    Science.gov (United States)

    2010-07-01

    ... 39 Postal Service 1 2010-07-01 2010-07-01 false Default. 959.10 Section 959.10 Postal Service... STATUTES § 959.10 Default. (a) If the respondent fails to file an answer within the time specified in the notice of hearing, the respondent shall be deemed in default and to have waived hearing and further...

  4. 24 CFR 26.41 - Default.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 1 2010-04-01 2010-04-01 false Default. 26.41 Section 26.41... PROCEDURES Hearings Pursuant to the Administrative Procedure Act Prehearing Procedures § 26.41 Default. (a) General. The respondent may be found in default, upon motion, for failure to file a timely response to the...

  5. 29 CFR 4043.34 - Loan default.

    Science.gov (United States)

    2010-07-01

    ... 29 Labor 9 2010-07-01 2010-07-01 false Loan default. 4043.34 Section 4043.34 Labor Regulations... CERTAIN OTHER NOTIFICATION REQUIREMENTS Post-Event Notice of Reportable Events § 4043.34 Loan default. (a) Reportable event. A reportable event occurs for a plan whenever there is a default by a member of the plan's...

  6. 7 CFR 1951.891 - Liquidation; default.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 14 2010-01-01 2009-01-01 true Liquidation; default. 1951.891 Section 1951.891... Liquidation; default. (a) In the event that FmHA or its successor agency under Public Law 103-354 takes over... Public Law 103-354 in connection with any default or breach of conditions under any loan made hereunder...

  7. Robustness of Distance-to-Default

    DEFF Research Database (Denmark)

    Jessen, Cathrine; Lando, David

    2015-01-01

    Distance-to-default (DD) is a measure of default risk derived from observed stock prices and book leverage using the structural credit risk model of Merton (1974). Despite the simplifying assumptions that underlie its derivation, DD has proven empirically to be a strong predictor of default. We use...

  8. A novel method for standardized application of fungal spore coatings for mosquito exposure bioassays.

    Science.gov (United States)

    Farenhorst, Marit; Knols, Bart G J

    2010-01-20

    Interest in the use of fungal entomopathogens against malaria vectors is growing. Fungal spores infect insects via the cuticle and can be applied directly on the insect to evaluate infectivity. For flying insects such as mosquitoes, however, application of fungal suspensions on resting surfaces is more realistic and representative of field settings. For this type of exposure, it is essential to apply specific amounts of fungal spores homogeneously over a surface for testing the effects of fungal dose and exposure time. Contemporary methods such as spraying or brushing spore suspensions onto substrates do not produce the uniformity and consistency that standardized laboratory assays require. Two novel fungus application methods using equipment developed in the paint industry are presented and compared. Wired, stainless steel K-bars were tested and optimized for coating fungal spore suspensions onto paper substrates. Different solvents and substrates were evaluated. Two types of coating techniques were compared, i.e. manual and automated coating. A standardized bioassay set-up was designed for testing coated spores against malaria mosquitoes. K-bar coating provided consistent applications of spore layers onto paper substrates. Viscous Ondina oil formulations were not suitable and significantly reduced spore infectivity. Evaporative Shellsol T solvent dried quickly and resulted in high spore infectivity to mosquitoes. Smooth proofing papers were the most effective substrate and showed higher infectivity than cardboard substrates. Manually and mechanically applied spore coatings showed similar and reproducible effects on mosquito survival. The standardized mosquito exposure bioassay was effective and consistent in measuring effects of fungal dose and exposure time. K-bar coating is a simple and consistent method for applying fungal spore suspensions onto paper substrates and can produce coating layers with accurate effective spore concentrations. The mosquito bioassay

  9. A novel method for standardized application of fungal spore coatings for mosquito exposure bioassays

    Directory of Open Access Journals (Sweden)

    Knols Bart GJ

    2010-01-01

    Full Text Available Abstract Background Interest in the use of fungal entomopathogens against malaria vectors is growing. Fungal spores infect insects via the cuticle and can be applied directly on the insect to evaluate infectivity. For flying insects such as mosquitoes, however, application of fungal suspensions on resting surfaces is more realistic and representative of field settings. For this type of exposure, it is essential to apply specific amounts of fungal spores homogeneously over a surface for testing the effects of fungal dose and exposure time. Contemporary methods such as spraying or brushing spore suspensions onto substrates do not produce the uniformity and consistency that standardized laboratory assays require. Two novel fungus application methods using equipment developed in the paint industry are presented and compared. Methods Wired, stainless steel K-bars were tested and optimized for coating fungal spore suspensions onto paper substrates. Different solvents and substrates were evaluated. Two types of coating techniques were compared, i.e. manual and automated coating. A standardized bioassay set-up was designed for testing coated spores against malaria mosquitoes. Results K-bar coating provided consistent applications of spore layers onto paper substrates. Viscous Ondina oil formulations were not suitable and significantly reduced spore infectivity. Evaporative Shellsol T solvent dried quickly and resulted in high spore infectivity to mosquitoes. Smooth proofing papers were the most effective substrate and showed higher infectivity than cardboard substrates. Manually and mechanically applied spore coatings showed similar and reproducible effects on mosquito survival. The standardized mosquito exposure bioassay was effective and consistent in measuring effects of fungal dose and exposure time. Conclusions K-bar coating is a simple and consistent method for applying fungal spore suspensions onto paper substrates and can produce coating layers

  10. Considerations for human exposure standards for fast-rise-time high-peak-power electromagnetic pulses.

    Science.gov (United States)

    Merritt, J H; Kiel, J L; Hurt, W D

    1995-06-01

    Development of new emitter systems capable of producing high-peak-power electromagnetic pulses with very fast rise times and narrow pulse widths is continuing. Such directed energy weapons systems will be used in the future to defeat electronically vulnerable targets. Human exposures to these pulses can be expected during testing and operations. Development of these technologies for radar and communications purposes has the potential for wider environmental exposure, as well. Current IEEE C95.1-1991 human exposure guidelines do not specifically address these types of pulses, though limits are stated for pulsed emissions. The process for developing standards includes an evaluation of the relevant bioeffects data base. A recommendation has been made that human exposure to ultrashort electromagnetic pulses that engender electromagnetic transients, called precursor waves, should be avoided. Studies that purport to show the potential for tissue damage induced by such pulses were described. The studies cited in support of the recommendation were not relevant to the issues of tissue damage by propagated pulses. A number of investigations are cited in this review that directly address the biological effects of electromagnetic pulses. These studies have not shown evidence of tissue damage as a result of exposure to high-peak-power pulsed microwaves. It is our opinion that the current guidelines are sufficiently protective for human exposure to these pulses.

  11. The 1998 calibration of Australian secondary standards of exposure and absorbed dose at 60Co

    International Nuclear Information System (INIS)

    Huntley, R.B.; Van der Gaast, H.

    1998-10-01

    New calibration factors are reported for several of the ionization chambers maintained at the Australian Radiation Laboratory (ARL) and at the Australian Nuclear Science and Technology Organisation (ANSTO) as Australian secondary standards of exposure/air kerma and absorbed dose at 60 Co. These calibration factors supplement or replace the calibration factors given in earlier reports. Updated 90 Sr reference source data are given for the ARL chambers, and for two of the ANSTO chambers. These results confirm the stability of the secondary standards. A re-calibration of the ANSTO reference electrometer is reported. This was carried out using an improved method, which is fully described

  12. Inequality and Sovereign Default under Democracy

    Directory of Open Access Journals (Sweden)

    YONG KYUN KIM

    2017-06-01

    Full Text Available Do differences in the inequality of income affect the likelihood that democratic governments decide not to honor their foreign debt contracts? I argue that sovereign default involves an intertemporal tradeoff between an immediate consumption boost and a future tax increase. Since a poorer voter internalizes less of the future cost of default, as the median is poorer, the majority’s demand for default increases. Therefore, greater income inequality implies a higher default risk. I then present a signaling game that models strategic selection that a sovereign must go through to get to the default decision node. I show that sovereign default is most likely to actually occur when the level of income inequality is intermediate. The intuition is that sovereign default occurs when risky sovereigns successfully induce creditors to provide a loan, but the most risky ones are among those least able to do so. Empirical findings support the claim.

  13. The 1997 determination of the Australian standards of exposure and absorbed dose at 60Co

    International Nuclear Information System (INIS)

    Huntley, R.B.; Boas, J.F.; Van der Gaast, H.

    1998-05-01

    The arrangements for the maintenance of the Australian standards for 60 Co are described in detail. The primary standards are a graphite cavity chamber for exposure/air kerma and a graphite calorimeter for absorbed dose. These secondary standards are described and their responses in corresponding 90 Sr reference sources are reported. Accurate ratios between the Australian Radiation Laboratory (ARL) and Australian Nuclear Science and Technology (ANSTO) 90 Sr reference sources are derived for use in future calibrations. The value of 28.8 years for the half-life of 90 Sr is confirmed. The usefulness of 90 Sr reference source measurements in quality assurance is discussed. The charge sensitivity and linearity of the ANSTO electrometers are reported by two different methods and are compared with previous results. Calibration factors for all the secondary standard ionization chambers are given, in terms of exposure, air kerma and absorbed dose to water. Calibration factors are also given for most of the chambers in terms of absorbed dose to graphite. The methods of deriving the calibration factors are explained in detail, including all the corrections applied to both the primary and secondary standard measurements. Three alternative methods of deriving the absorbed dose to water calibration factors are compared. The reported calibration factors are compared with previous results. Changes in the Australian units of exposure, air kerma and absorbed dose to graphite and water are derived from changes in the corresponding calibration factors. The Australian units of exposure and air kerma have not changed significantly since 1990. The Australian unit of absorbed dose to graphite is now 1.1 % smaller than in 1993 and 1.3 % smaller than in 1990. The Australian unit of absorbed dose to water is now 1.4 % smaller than in 1993, but is only 0.9 % smaller than in 1990. Comparisons of the Australian standards of exposure/air kerma and absorbed dose with those of the Bureau

  14. The 1997 determination of the Australian standards of exposure and absorbed dose at {sup 60}Co

    Energy Technology Data Exchange (ETDEWEB)

    Huntley, R.B.; Boas, J.F. [Australian Radiation Laboratory, Yallambie, VIC (Australia); Van der Gaast, H. [Australian Nuclear Science and Technology Organisation, Lucas Heights, NSW (Australia)

    1998-05-01

    The arrangements for the maintenance of the Australian standards for {sup 60}Co are described in detail. The primary standards are a graphite cavity chamber for exposure/air kerma and a graphite calorimeter for absorbed dose. These secondary standards are described and their responses in corresponding {sup 90}Sr reference sources are reported. Accurate ratios between the Australian Radiation Laboratory (ARL) and Australian Nuclear Science and Technology (ANSTO) {sup 90}Sr reference sources are derived for use in future calibrations. The value of 28.8 years for the half-life of {sup 90}Sr is confirmed. The usefulness of {sup 90}Sr reference source measurements in quality assurance is discussed. The charge sensitivity and linearity of the ANSTO electrometers are reported by two different methods and are compared with previous results. Calibration factors for all the secondary standard ionization chambers are given, in terms of exposure, air kerma and absorbed dose to water. Calibration factors are also given for most of the chambers in terms of absorbed dose to graphite. The methods of deriving the calibration factors are explained in detail, including all the corrections applied to both the primary and secondary standard measurements. Three alternative methods of deriving the absorbed dose to water calibration factors are compared. The reported calibration factors are compared with previous results. Changes in the Australian units of exposure, air kerma and absorbed dose to graphite and water are derived from changes in the corresponding calibration factors. The Australian units of exposure and air kerma have not changed significantly since 1990. The Australian unit of absorbed dose to graphite is now 1.1 % smaller than in 1993 and 1.3 % smaller than in 1990. The Australian unit of absorbed dose to water is now 1.4 % smaller than in 1993, but is only 0.9 % smaller than in 1990. Comparisons of the Australian standards of exposure/air kerma and absorbed dose with

  15. Default-all is dangerous!

    OpenAIRE

    Gatterbauer, Wolfgang; Meliou, Alexandra; Suciu, Dan

    2011-01-01

    We show that the default-all propagation scheme for database annotations is dangerous. Dangerous here means that it can propagate annotations to the query output which are semantically irrelevant to the query the user asked. This is the result of considering all relationally equivalent queries and returning the union of their where-provenance in an attempt to define a propagation scheme that is insensitive to query rewriting. We propose an alternative query-rewrite-insensitive (QRI) where-pro...

  16. Implementation of a primary standard for a x-ray exposure

    International Nuclear Information System (INIS)

    peixoto, J.G.P.

    1991-04-01

    In the scientific program of the National Laboratory for Ionizing Radiation Metrology of the Instituto de Radioprotecao e Dosimetria, which belongs to the Comissao Nacional de Energia Nuclear, a free-air ionization chamber should be established as an exposure primary standard for X-rays of 100 K V to 250 K V of potential range. Preliminary results showed that the available free-air ionization chamber was suitable to be used. The absolute measurement of the radiation quantity exposure, is performed with a free-air ionization chamber. Its geometrical volume, which allows the determination of the air mass, is defined by the effective aperture area and by the length of the region where an electrical field is applied. Most of the ions produced in such volume are collected as an ionization current. Parameters related to the measurement of the quantity exposure were evaluated, such as: air absorption, scattering inside the ionization chamber, saturation, beam homogeneity, influence of beam size and influences of temperature, humidity and atmospheric pressure. Preliminary determination of correction factors has showed good results with 99.9% of repeatability and has demonstrated the reliability of the checked chamber as a standard instrument. (author)

  17. Standard Practice for Determining NeutronExposures for Nuclear Reactor Vessel Support Structures

    CERN Document Server

    American Society for Testing and Materials. Philadelphia

    2008-01-01

    1.1 This practice covers procedures for monitoring the neutron radiation exposures experienced by ferritic materials in nuclear reactor vessel support structures located in the vicinity of the active core. This practice includes guidelines for: 1.1.1 Selecting appropriate dosimetric sensor sets and their proper installation in reactor cavities. 1.1.2 Making appropriate neutronics calculations to predict neutron radiation exposures. 1.2 This practice is applicable to all pressurized water reactors whose vessel supports will experience a lifetime neutron fluence (E > 1 MeV) that exceeds 1 × 1017 neutrons/cm2 or 3.0 × 10−4 dpa. (See Terminology E 170.) 1.3 Exposure of vessel support structures by gamma radiation is not included in the scope of this practice, but see the brief discussion of this issue in 3.2. 1.4 This standard does not purport to address all of the safety concerns, if any, associated with its use. It is the responsibility of the user of this standard to establish appropriate safety and h...

  18. A standardized non-instrumental tool for characterizing workstations concerned with exposure to engineered nanomaterials

    Science.gov (United States)

    Canu I, Guseva; C, Ducros; S, Ducamp; L, Delabre; S, Audignon-Durand; C, Durand; Y, Iwatsubo; D, Jezewski-Serra; Bihan O, Le; S, Malard; A, Radauceanu; M, Reynier; M, Ricaud; O, Witschger

    2015-05-01

    The French national epidemiological surveillance program EpiNano aims at surveying mid- and long-term health effects possibly related with occupational exposure to either carbon nanotubes or titanium dioxide nanoparticles (TiO2). EpiNano is limited to workers potentially exposed to these nanomaterials including their aggregates and agglomerates. In order to identify those workers during the in-field industrial hygiene visits, a standardized non-instrumental method is necessary especially for epidemiologists and occupational physicians unfamiliar with nanoparticle and nanomaterial exposure metrology. A working group, Quintet ExpoNano, including national experts in nanomaterial metrology and occupational hygiene reviewed available methods, resources and their practice in order to develop a standardized tool for conducting company industrial hygiene visits and collecting necessary information. This tool, entitled “Onsite technical logbook”, includes 3 parts: company, workplace, and workstation allowing a detailed description of each task, process and exposure surrounding conditions. This logbook is intended to be completed during the company industrial hygiene visit. Each visit is conducted jointly by an industrial hygienist and an epidemiologist of the program and lasts one or two days depending on the company size. When all collected information is computerized using friendly-using software, it is possible to classify workstations with respect to their potential direct and/or indirect exposure. Workers appointed to workstations classified as concerned with exposure are considered as eligible for EpiNano program and invited to participate. Since January 2014, the Onsite technical logbook has been used in ten company visits. The companies visited were mostly involved in research and development. A total of 53 workstations with potential exposure to nanomaterials were pre-selected and observed: 5 with TiO2, 16 with single-walled carbon nanotubes, 27 multiwalled

  19. A standardized non-instrumental tool for characterizing workstations concerned with exposure to engineered nanomaterials

    International Nuclear Information System (INIS)

    I, Guseva Canu; S, Ducamp; L, Delabre; Y, Iwatsubo; D, Jezewski-Serra; C, Ducros; S, Audignon-Durand; C, Durand; O, Le Bihan; S, Malard; A, Radauceanu; M, Reynier; M, Ricaud; O, Witschger

    2015-01-01

    The French national epidemiological surveillance program EpiNano aims at surveying mid- and long-term health effects possibly related with occupational exposure to either carbon nanotubes or titanium dioxide nanoparticles (TiO 2 ). EpiNano is limited to workers potentially exposed to these nanomaterials including their aggregates and agglomerates. In order to identify those workers during the in-field industrial hygiene visits, a standardized non-instrumental method is necessary especially for epidemiologists and occupational physicians unfamiliar with nanoparticle and nanomaterial exposure metrology. A working group, Quintet ExpoNano, including national experts in nanomaterial metrology and occupational hygiene reviewed available methods, resources and their practice in order to develop a standardized tool for conducting company industrial hygiene visits and collecting necessary information. This tool, entitled “Onsite technical logbook”, includes 3 parts: company, workplace, and workstation allowing a detailed description of each task, process and exposure surrounding conditions. This logbook is intended to be completed during the company industrial hygiene visit. Each visit is conducted jointly by an industrial hygienist and an epidemiologist of the program and lasts one or two days depending on the company size. When all collected information is computerized using friendly-using software, it is possible to classify workstations with respect to their potential direct and/or indirect exposure. Workers appointed to workstations classified as concerned with exposure are considered as eligible for EpiNano program and invited to participate. Since January 2014, the Onsite technical logbook has been used in ten company visits. The companies visited were mostly involved in research and development. A total of 53 workstations with potential exposure to nanomaterials were pre-selected and observed: 5 with TiO 2 , 16 with single-walled carbon nanotubes, 27 multiwalled

  20. An analysis of violations of Osha's (1987) occupational exposure to benzene standard.

    Science.gov (United States)

    Williams, Pamela R D

    2014-01-01

    The Occupational Safety and Health Administration (OSHA), which was formed by the Occupational Safety and Health Act of 1970 (OSH Act), establishes enforceable health and safety standards in the workplace and issues violations and penalties for non-compliance with these standards. The purpose of the current study was to evaluate the number and type of violations of the OSHA (1987) Occupational Exposure to Benzene Standard. Violations of the OSHA Hazard Communication Standard (HCS), particularly those that may pertain to specific provisions of the benzene standard, were also assessed. All analyses were based on OSHA inspection data that have been collected since the early 1970s and that are publicly available from the U.S. Department of Labor enforcement website. Analysis of these data shows that fewer than a thousand OSHA violations of the benzene standard have been issued over the last 25+ years. The results for benzene are in contrast to those for some other toxic and hazardous substances that are regulated by OSHA, such as blood-borne pathogens, lead, and asbestos, for which there have been issued tens of thousands of OSHA violations. The number of benzene standard violations also varies by time period, standard provision, industry sector, and other factors. In particular, the greatest number of benzene standard violations occurred during the late 1980s to early/mid 1990s, soon after the 1987 final benzene rule was promulgated. The majority of benzene standard violations also pertain to noncompliance with specific provisions and subprovisions of the standard dealing with initial exposure monitoring requirements, the communication of hazards to employees, and medical surveillance programs. Only a small fraction of HCS violations are attributed, at least in part, to potential benzene hazards in the workplace. In addition, most benzene standard violations are associated with specific industries within the manufacturing sector where benzene or benzene

  1. Analysis Of Default Passwords In Routers Against Brute-Force Attack

    OpenAIRE

    Mohammed Farik; ABM Shawkat Ali

    2015-01-01

    Abstract Password authentication is the main means of access control on network routers and router manufacturers provide a default password for initial login to the router. While there has been many publications regarding the minimum requirements of a good password how widely the manufacturers themselves are adhering to the minimum standards and whether these passwords can withstand brute-force attack are not widely known. The novelty of this research is that this is the first time default...

  2. 49 CFR 260.49 - Avoiding defaults.

    Science.gov (United States)

    2010-10-01

    ... 49 Transportation 4 2010-10-01 2010-10-01 false Avoiding defaults. 260.49 Section 260.49 Transportation Other Regulations Relating to Transportation (Continued) FEDERAL RAILROAD ADMINISTRATION... REHABILITATION AND IMPROVEMENT FINANCING PROGRAM Procedures To Be Followed in the Event of Default § 260.49...

  3. Exchange rate policy under sovereign default risk

    OpenAIRE

    Schabert, Andreas

    2011-01-01

    We examine monetary policy options for a small open economy where sovereign default might occur due to intertemporal insolvency. Under interest rate policy and floating exchange rates the equilibrium is indetermined. Under a fixed exchange rate the equilibrium is uniquely determined and independent of sovereign default.

  4. 31 CFR 501.716 - Default.

    Science.gov (United States)

    2010-07-01

    ... Administrative Law Judge (or the Secretary's designee) pursuant to § 501.729(b). (b) In deciding whether to determine the proceedings against a party deemed to be in default, the Administrative Law Judge shall... default and the Administrative Law Judge (or the Secretary's designee during review proceedings) may...

  5. Business and Default Cycles for Credit Risk

    NARCIS (Netherlands)

    Koopman, S.J.; Lucas, A.

    2005-01-01

    Various economic theories are available to explain the existence of credit and default cycles. There remains empirical ambiguity, however, as to whether these cycles coincide. Recent papers suggest by their empirical research set-up that they do, or at least that defaults and credit spreads tend to

  6. 39 CFR 964.6 - Default.

    Science.gov (United States)

    2010-07-01

    ... 39 Postal Service 1 2010-07-01 2010-07-01 false Default. 964.6 Section 964.6 Postal Service UNITED STATES POSTAL SERVICE PROCEDURES RULES OF PRACTICE GOVERNING DISPOSITION OF MAIL WITHHELD FROM DELIVERY PURSUANT TO 39 U.S.C. 3003, 3004 § 964.6 Default. If a Petitioner fails to appear at the hearing without...

  7. 14 CFR 302.409 - Default.

    Science.gov (United States)

    2010-01-01

    ... 14 Aeronautics and Space 4 2010-01-01 2010-01-01 false Default. 302.409 Section 302.409 Aeronautics and Space OFFICE OF THE SECRETARY, DEPARTMENT OF TRANSPORTATION (AVIATION PROCEEDINGS) PROCEDURAL REGULATIONS RULES OF PRACTICE IN PROCEEDINGS Rules Applicable to Enforcement Proceedings § 302.409 Default...

  8. 10 CFR 2.320 - Default.

    Science.gov (United States)

    2010-01-01

    ... 10 Energy 1 2010-01-01 2010-01-01 false Default. 2.320 Section 2.320 Energy NUCLEAR REGULATORY COMMISSION RULES OF PRACTICE FOR DOMESTIC LICENSING PROCEEDINGS AND ISSUANCE OF ORDERS Rules of General... § 2.320 Default. If a party fails to file an answer or pleading within the time prescribed in this...

  9. A proof theory for constructive default logic

    NARCIS (Netherlands)

    Y-H. Tan (Yao-Hua)

    1993-01-01

    textabstractWe present what we call Constructive Default Logic (CDL) - a default logic in which the fixed-point definition of extensions is replaced by a constructive definition which yield so-called constructive extensions. Selection functions are used to represent explicitly the control of the

  10. 39 CFR 954.9 - Default.

    Science.gov (United States)

    2010-07-01

    ... 39 Postal Service 1 2010-07-01 2010-07-01 false Default. 954.9 Section 954.9 Postal Service UNITED STATES POSTAL SERVICE PROCEDURES RULES OF PRACTICE IN PROCEEDINGS RELATIVE TO THE DENIAL, SUSPENSION, OR REVOCATION OF PERIODICALS MAIL PRIVILEGES § 954.9 Default. If a publisher fails to appear at the hearing, the...

  11. 48 CFR 245.7309-7 - Default.

    Science.gov (United States)

    2010-10-01

    ... 48 Federal Acquisition Regulations System 3 2010-10-01 2010-10-01 false Default. 245.7309-7 Section 245.7309-7 Federal Acquisition Regulations System DEFENSE ACQUISITION REGULATIONS SYSTEM... Default. If the successful Bidder fails to make full payment, remove property by the specified date, or...

  12. Error probabilities in default Bayesian hypothesis testing

    NARCIS (Netherlands)

    Gu, Xin; Hoijtink, Herbert; Mulder, J,

    2016-01-01

    This paper investigates the classical type I and type II error probabilities of default Bayes factors for a Bayesian t test. Default Bayes factors quantify the relative evidence between the null hypothesis and the unrestricted alternative hypothesis without needing to specify prior distributions for

  13. 12 CFR 622.81 - Default.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Default. 622.81 Section 622.81 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM RULES OF PRACTICE AND PROCEDURE Rules and Procedures... Default. If the subject individual fails to file a petition for a hearing, or fails to appear at a hearing...

  14. On the importance of default breach remedies

    NARCIS (Netherlands)

    Sloof, R.; Oosterbeek, H.; Sonnemans, J.

    2007-01-01

    Theory predicts that default breach remedies are immaterial whenever contracting costs are negligible. Some experimental studies, however, suggest that in practice default rules do matter, as they may affect parties' preferences over contract terms. This paper presents results from an experiment

  15. 12 CFR 508.8 - Default.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Default. 508.8 Section 508.8 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY REMOVALS, SUSPENSIONS, AND PROHIBITIONS WHERE A CRIME IS CHARGED OR PROVEN § 508.8 Default. If the subject individual fails to file a petition for a...

  16. Standard Practice for Exposure of Cover Materials for Solar Collectors to Natural Weathering Under Conditions Simulating Operational Mode

    CERN Document Server

    American Society for Testing and Materials. Philadelphia

    1995-01-01

    1.1 This practice provides a procedure for the exposure of cover materials for flat-plate solar collectors to the natural weather environment at temperatures that are elevated to approximate operating conditions. 1.2 This practice is suitable for exposure of both glass and plastic solar collector cover materials. Provisions are made for exposure of single and double cover assemblies to accommodate the need for exposure of both inner and outer solar collector cover materials. 1.3 This practice does not apply to cover materials for evacuated collectors or photovoltaics. 1.4 The values stated in SI units are to be regarded as the standard. 1.5 This standard does not purport to address all of the safety concerns, if any, associated with its use. It is the responsibility of the user of this standard to establish appropriate safety and health practices and determine the applicability of regulatory limitations prior to use.

  17. Default-mode activity during a passive sensory task: uncoupled from deactivation but impacting activation.

    Science.gov (United States)

    Greicius, Michael D; Menon, Vinod

    2004-11-01

    Deactivation refers to increased neural activity during low-demand tasks or rest compared with high-demand tasks. Several groups have reported that a particular set of brain regions, including the posterior cingulate cortex and the medial prefrontal cortex, among others, is consistently deactivated. Taken together, these typically deactivated brain regions appear to constitute a default-mode network of brain activity that predominates in the absence of a demanding external task. Examining a passive, block-design sensory task with a standard deactivation analysis (rest epochs vs. stimulus epochs), we demonstrate that the default-mode network is undetectable in one run and only partially detectable in a second run. Using independent component analysis, however, we were able to detect the full default-mode network in both runs and to demonstrate that, in the majority of subjects, it persisted across both rest and stimulus epochs, uncoupled from the task waveform, and so mostly undetectable as deactivation. We also replicate an earlier finding that the default-mode network includes the hippocampus suggesting that episodic memory is incorporated in default-mode cognitive processing. Furthermore, we show that the more a subject's default-mode activity was correlated with the rest epochs (and "deactivated" during stimulus epochs), the greater that subject's activation to the visual and auditory stimuli. We conclude that activity in the default-mode network may persist through both experimental and rest epochs if the experiment is not sufficiently challenging. Time-series analysis of default-mode activity provides a measure of the degree to which a task engages a subject and whether it is sufficient to interrupt the processes--presumably cognitive, internally generated, and involving episodic memory--mediated by the default-mode network.

  18. Asymmetric default bias in dishonesty – how defaults work but only when in one’s favor

    DEFF Research Database (Denmark)

    Fosgaard, Toke Reinholt

    Based on a dice rolling task where participants can cheat on the outcome, this paper asks if default answers change dishonesty? The paper finds that various default answers have asymmetric effects. Compared to not having a default answer at all, providing a low default answer, or adding the expec......Based on a dice rolling task where participants can cheat on the outcome, this paper asks if default answers change dishonesty? The paper finds that various default answers have asymmetric effects. Compared to not having a default answer at all, providing a low default answer, or adding...

  19. 17 CFR 12.23 - Setting aside of default.

    Science.gov (United States)

    2010-04-01

    ... 17 Commodity and Securities Exchanges 1 2010-04-01 2010-04-01 false Setting aside of default. 12... aside of default. (a) Default order not final. In order to prevent injustice or for good cause shown, and on such conditions as may be appropriate, a non-final default order (including any award therein...

  20. 46 CFR 298.41 - Remedies after default.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 8 2010-10-01 2010-10-01 false Remedies after default. 298.41 Section 298.41 Shipping... Defaults and Remedies, Reporting Requirements, Applicability of Regulations § 298.41 Remedies after default... governing remedies after a default, which relate to our rights and duties, the rights and duties of the...

  1. 24 CFR 241.840 - Date of default.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Date of default. 241.840 Section... § 241.840 Date of default. In computing loan insurance benefits, the date of default shall be considered... of the lender's acceleration of the debt because of the borrower's default under the first...

  2. 24 CFR 232.850 - Notice of default.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Notice of default. 232.850 Section....850 Notice of default. (a) If the default is not cured within the 30 day grace period, as defined in... default. (b) The lender shall give notice in writing to the Commissioner of the failure of the borrower to...

  3. 24 CFR 241.850 - Notice of default.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Notice of default. 241.850 Section... § 241.850 Notice of default. (a) If the default is not cured within the 30 day grace period, as defined... such default. (b) The lender shall give notice in writing to the Commissioner of the failure of the...

  4. 48 CFR 1349.402-3 - Procedure for default

    Science.gov (United States)

    2010-10-01

    ... 48 Federal Acquisition Regulations System 5 2010-10-01 2010-10-01 false Procedure for default 1349... MANAGEMENT TERMINATION OF CONTRACTS Termination for Default 1349.402-3 Procedure for default No action relating to a default termination, including issuance of a show cause letter, cure notice, or notice of...

  5. Revision of NATO standardization agreement (STANAG) 2345 'Evaluation and control of personnel exposure to radio frequency fields'

    International Nuclear Information System (INIS)

    Klauenberg, B.J.; Merritt, J.H.; Gardner, R.

    1996-01-01

    North Atlantic Treaty Organization (NATO) joint operations, which reach across borders of countries that have different standards, could present a logistical nightmare were it not for standardization agreements, called STANAGs. STANAGs are established to provide uniform policies and procedures to insure international cooperation and to maintain the most effective levels of commonalty, compatibility, interchange-ability and inter-operability in military operations. Since signals produced by radar and communications equipment are not contained by national boundaries, a STANAG for Radiofrequency Radiation (RFR) is essential. The STANAG-2345 Control and Evaluation of Personnel Exposure to Radio Frequency Radiation. establishes criteria for the evaluation and control of personnel exposure to radio-frequency radiation within NATO forces. It defines hazard assessment, allows for control measures, indicates actions in case of accidental overexposures and establishes permissible exposure limits. The promulgation of this STANAG in 1979 was the culmination of deliberations among scientists and health professionals within the NATO community that began in May 1973. At the time of adoption it contained guidance based on the then state-of-knowledge. The standard has not been updated since it was issued, despite great advances in the knowledge-base defining health and safety aspects of RFR. Several standards setting groups recently updated their standards, including the American National Standards Institute revised safety guidance for RFR. This has left a large technology gap between the newer standards and STANAG 2345. (author)

  6. Altered default network activity in obesity.

    Science.gov (United States)

    Tregellas, Jason R; Wylie, Korey P; Rojas, Donald C; Tanabe, Jody; Martin, Jesse; Kronberg, Eugene; Cordes, Dietmar; Cornier, Marc-Andre

    2011-12-01

    The regulation of energy intake is a complex process involving the integration of homeostatic signals and both internal and external sensory inputs. To better understand the neurobiology of this process and how it may be dysfunctional in obesity, this study examined activity of the brain's "default network" in reduced-obese (RO) as compared to lean individuals. The default network is a group of functionally connected brain regions thought to play an important role in internally directed cognitive activity and the interplay between external and internal sensory processing. Functional magnetic resonance imaging was performed in 24 lean and 18 RO individuals in the fasted state after 2 days of eucaloric energy intake and after 2 days of 30% overfeeding in a counterbalanced design. Scanning was performed while subjects passively viewed images of food and nonfood objects. Independent component analysis was used to identify the default network component. In the eucaloric state, greater default network activity was observed in RO compared to lean individuals in the lateral inferior parietal and posterior cingulate cortices. Activity was positively correlated with appetite. Overfeeding resulted in increased default network activity in lean but not RO individuals. These findings suggest that the function of the default network, a major contributor to intrinsic neuronal activity, is altered in obesity and/or obese-prone individuals. Future studies of the network's function and its relationship to other brain networks may improve our understanding of the mechanisms and treatment of obesity.

  7. Default-Mode Network Functional Connectivity in Aphasia: Therapy-Induced Neuroplasticity

    Science.gov (United States)

    Marcotte, Karine; Perlbarg, Vincent; Marrelec, Guillaume; Benali, Habib; Ansaldo, Ana Ines

    2013-01-01

    Previous research on participants with aphasia has mainly been based on standard functional neuroimaging analysis. Recent studies have shown that functional connectivity analysis can detect compensatory activity, not revealed by standard analysis. Little is known, however, about the default-mode network in aphasia. In the current study, we studied…

  8. Ranking system for national regulatory jurisdictions based on pesticide standard values in major exposures

    Directory of Open Access Journals (Sweden)

    Zijian Li

    2017-07-01

    Full Text Available To control the risk of human exposure to pesticides, about 50 nations have promulgated pesticide soil regulatory guidance values (RGVs, and 104 nations have provided pesticide drinking water maximum concentration levels (MCLs. In addition, 90 nations have regulated pesticide agricultural commodity maximum residue limits (MRLs. Pesticide standard values (PSVs for one single pesticide varied in a range of six, seven, or even eight orders of magnitude. Some PSVs are too large to prevent the impact of pesticides on human health. Many nations have not provided PSVs for some commonly used pesticides until now. This research has introduced several completeness values and numerical values methods to evaluate the national jurisdiction’s performance on PSVs on a nation base. The national jurisdiction ranking system developed by these methods will be beneficial to the environmental regulation makers in the management of PSVs. Results also indicate that European countries perform better in the regulation of pesticide soil RGVs, drinking water MCLs, and agricultural commodity MRLs.

  9. Default Mode Network Connectivity in Stroke Patients.

    Science.gov (United States)

    Tuladhar, Anil Man; Snaphaan, Liselore; Shumskaya, Elena; Rijpkema, Mark; Fernandez, Guillén; Norris, David G; de Leeuw, Frank-Erik

    2013-01-01

    The pathophysiology of episodic memory dysfunction after infarction is not completely understood. It has been suggested that infarctions located anywhere in the brain can induce widespread effects causing disruption of functional networks of the cortical regions. The default mode network, which includes the medial temporal lobe, is a functional network that is associated with episodic memory processing. We investigated whether the default mode network activity is reduced in stroke patients compared to healthy control subjects in the resting state condition. We assessed the whole brain network properties during resting state functional MRI in 21 control subjects and 20 'first-ever' stroke patients. Patients were scanned 9-12 weeks after stroke onset. Stroke lesions were located in various parts of the brain. Independent component analyses were conducted to identify the default mode network and to compare the group differences of the default mode network. Furthermore, region-of-interest based analysis was performed to explore the functional connectivity between the regions of the default mode network. Stroke patients performed significantly worse than control subjects on the delayed recall score on California verbal learning test. We found decreased functional connectivity in the left medial temporal lobe, posterior cingulate and medial prefrontal cortical areas within the default mode network and reduced functional connectivity between these regions in stroke patients compared with controls. There were no significant volumetric differences between the groups. These results demonstrate that connectivity within the default mode network is reduced in 'first-ever' stroke patients compared to control subjects. This phenomenon might explain the occurrence of post-stroke cognitive dysfunction in stroke patients.

  10. Comparison of the rationale used in setting occupational exposure standards for ionizing radiation and hazardous chemical substances

    International Nuclear Information System (INIS)

    Halton, D.M.

    1986-12-01

    Ten chemicals which create significant occupational hazard are reviewed. They are toluene diisocyanate, hydrogen fluoride, n-hexane, carbon disulphide, cadmium, inorganic mercury, cobalt, nitroglycerol, silica and vinyl chloride. Each is discussed under the headings of physiological intake and elimination in humans, characteristics of acute and chronic toxicity, sites of occupational exposure and rationale for limits of such exposure. Since radioactive substances yield ionizing radiation as the common hazard the treatment of the current permissible levels of exposure is somewhat simpler. Having set out industrial standards for exposure to hazardous substances and radionuclides, a detailed comparison is made. Exposure limits to ioninzing radiation are sufficiently low to remove the appearance of directly related injury. It is expected however that low level exposure may have a stochastic effect, that is, there is the possibility of a slightly increased incidence of neoplasms in a large exposed population, but numbers will be too small to be able to attribute any particular case to the exposure. TLVs on the other hand, depending on the particular chemical, may be high enough in the workplace to permit some directly related signs or symptoms in the exposed individual. 244 refs

  11. [Health protection for rural workers: the need to standardize techniques for quantifying dermal exposure to pesticides].

    Science.gov (United States)

    Selmi, Giuliana da Fontoura Rodrigues; Trapé, Angelo Zanaga

    2014-05-01

    Quantification of dermal exposure to pesticides in rural workers, used in risk assessment, can be performed with different techniques such as patches or whole body evaluation. However, the wide variety of methods can jeopardize the process by producing disparate results, depending on the principles in sample collection. A critical review was thus performed on the main techniques for quantifying dermal exposure, calling attention to this issue and the need to establish a single methodology for quantification of dermal exposure in rural workers. Such harmonization of different techniques should help achieve safer and healthier working conditions. Techniques that can provide reliable exposure data are an essential first step towards avoiding harm to workers' health.

  12. DETERMINANTS OF BUSINESS LOAN DEFAULT IN GHANA

    Directory of Open Access Journals (Sweden)

    Akwaa-Sekyi, Ellis Kofi

    2015-05-01

    Full Text Available The initiation, funding, servicing and monitoring of loans by financial intermediaries has been done without regard to some critical factors which could have averted the likelihood of default. The study aimed at measuring the extent that owner-specific, borrower-specific, loan and lender-specific characteristics could determine the probability of loan default. The study used logistic regression for 224 business customers of a bank in Ghana from its nation-wide branches. The study found that owner’s extra income (ownership characteristics, multiple borrowing, diversion of loan purpose (borrower characteristics, loan price, loan purpose, loan age, repayment plan (loan characteristics and underfunding (lender characteristics significantly determined the probability of business loan default. The overall model predicted up to 78.5% of variations in the likelihood of default. The hierarchy of strong determinants given by their odd ratios were loan purpose (47.9 times, underfunding (19.2 times, diversion of loan purpose (11.7 times multiple borrowing (9.4 times and owner’s extra income (8.2 times. The study can conclude that financial intermediaries should be wary of the credit granting process taking cognisance of ownership, borrower, loan and lender characteristics especially the significant predictors. Combining quantitative and qualitative variables as determinants of default could be considered in future.

  13. Default mode network connectivity during task execution.

    Science.gov (United States)

    Vatansever, D; Menon, D K; Manktelow, A E; Sahakian, B J; Stamatakis, E A

    2015-11-15

    Initially described as task-induced deactivations during goal-directed paradigms of high attentional load, the unresolved functionality of default mode regions has long been assumed to interfere with task performance. However, recent evidence suggests a potential default mode network involvement in fulfilling cognitive demands. We tested this hypothesis in a finger opposition paradigm with task and fixation periods which we compared with an independent resting state scan using functional magnetic resonance imaging and a comprehensive analysis pipeline including activation, functional connectivity, behavioural and graph theoretical assessments. The results indicate task specific changes in the default mode network topography. Behaviourally, we show that increased connectivity of the posterior cingulate cortex with the left superior frontal gyrus predicts faster reaction times. Moreover, interactive and dynamic reconfiguration of the default mode network regions' functional connections illustrates their involvement with the task at hand with higher-level global parallel processing power, yet preserved small-world architecture in comparison with rest. These findings demonstrate that the default mode network does not disengage during this paradigm, but instead may be involved in task relevant processing. Copyright © 2015 Elsevier Inc. All rights reserved.

  14. Biological bases of the maximum permissible exposure levels of the UK laser standard BS 4803 1983

    CERN Document Server

    MacKinlay, Alistair F

    1983-01-01

    The use of lasers has increased greatly over the past 15 years or so, to the extent that they are now used routinely in many occupational and public situations. There has been an increasing awareness of the potential hazards presented by lasers and substantial efforts have been made to formulate safety standards. In the UK the relevant Safety Standard is the British Standards Institution Standard BS 4803. This Standard was originally published in 1972 and a revision has recently been published (BS 4803: 1983). The revised standard has been developed using the American National Standards Institute Standard, ANSI Z136.1 (1973 onwards), as a model. In other countries, national standards have been similarly formulated, resulting in a large measure of international agreement through participation in the work of the International Electrotechnical Commission (IEC). The bases of laser safety standards are biophysical data on threshold injury effects, particularly on the retina, and the development of theoretical mode...

  15. Systematic and Idiosyncratic Default Risk in Synthetic Credit Markets

    DEFF Research Database (Denmark)

    Feldhütter, Peter; Nielsen, Mads Stenbo

    2012-01-01

    We present a new estimation approach that allows us to extract from spreads in synthetic credit markets the contribution of systematic and idiosyncratic default risk to total default risk. Using an extensive dataset of 90,600 credit default swap and collateralized debt obligation (CDO) tranche...... spreads on the North American Investment Grade CDX index, we conduct an empirical analysis of an intensity-based model for correlated defaults. Our results show that systematic default risk is an explosive process with low volatility, while idiosyncratic default risk is more volatile but less explosive...

  16. Education, Health, and the Default American Lifestyle.

    Science.gov (United States)

    Mirowsky, John; Ross, Catherine E

    2015-09-01

    Education has a large and increasing impact on health in America. This paper examines one reason why. Education gives individuals the ability to override the default American lifestyle. The default lifestyle has three elements: displacing human energy with mechanical energy, displacing household food production with industrial food production, and displacing health maintenance with medical dependency. Too little physical activity and too much food produce imperceptibly accumulating pathologies. The medical industry looks for products and services that promise to soften the consequences but do not eliminate the underlying pathologies. This "secondary prevention" creates pharmacologic accumulation: prolonging the use of medications, layering them, and accruing their side effects and interactions. Staying healthy depends on recognizing the risks of the default lifestyle. Overriding it requires insight, knowledge, critical analysis, long-range strategic thinking, personal agency, and self-direction. Education develops that ability directly and indirectly, by way of creative work and a sense of controlling one's own life. © American Sociological Association 2015.

  17. Default mode contributions to automated information processing.

    Science.gov (United States)

    Vatansever, Deniz; Menon, David K; Stamatakis, Emmanuel A

    2017-11-28

    Concurrent with mental processes that require rigorous computation and control, a series of automated decisions and actions govern our daily lives, providing efficient and adaptive responses to environmental demands. Using a cognitive flexibility task, we show that a set of brain regions collectively known as the default mode network plays a crucial role in such "autopilot" behavior, i.e., when rapidly selecting appropriate responses under predictable behavioral contexts. While applying learned rules, the default mode network shows both greater activity and connectivity. Furthermore, functional interactions between this network and hippocampal and parahippocampal areas as well as primary visual cortex correlate with the speed of accurate responses. These findings indicate a memory-based "autopilot role" for the default mode network, which may have important implications for our current understanding of healthy and adaptive brain processing.

  18. Domestic violence is a leading risk factor in default from colposcopy services.

    Science.gov (United States)

    Collier, Rachael; Quinlivan, Julie A

    2014-06-01

    Domestic violence is common in women and is associated with poorer health-care outcomes. However, no causal pathway has been identified to explain this observation. We have followed a cohort of women to determine whether poorer outcomes can be explained by high rates of default and loss to follow-up. A prospective cohort study was performed. Institutional ethics approval was obtained. Participants were consecutive patients attending colposcopy clinics at a major metropolitan hospital in Australia. Following ascertainment of domestic violence status, appointment outcomes for colposcopy services were tracked for a 3-year period. Multivariate analysis was undertaken to determine demographic factors associated with default from care and loss to follow-up. Of 581 women approached, consent was obtained from 574 women (99%). Domestic violence status was obtained from 566 women, of whom 187 (33%) had a recent history of exposure. Women exposed to violence were more likely to default from colposcopy once (26.2% vs 7.4%; P domestic violence remained significantly associated with default and loss to follow-up. Domestic violence is a risk factor for default from attendance and loss to follow-up at colposcopy services. This may explain the mechanism behind adverse health-care outcomes seen. Screening and targeted appointment intervention programs may improve clinical compliance. © 2014 The Authors. Journal of Obstetrics and Gynaecology Research © 2014 Japan Society of Obstetrics and Gynecology.

  19. Comparison of ESD and major organ absorbed doses of 5 year old standard guidekines and clinical exposure conditions

    Energy Technology Data Exchange (ETDEWEB)

    Kang, A Ram; Ahn, Sung Min [Dept. of Radiological Science, The Graduate School, Gachon University, Incheon (Korea, Republic of); Lee, In Ja [Dept. of Radiologic technology, Dongnam health University, Suwon (Korea, Republic of)

    2017-09-15

    Pediatrics are more sensibility to radiation than adults and because they are organs that are not completely grown, they have a life expectancy that can be adversely affected by exposure. Therefore, the management of exposure dose is more important than the case of adult. The purpose of this study was to determine the suitability of the 10 year old phantom for the 5 year old pediatric's recommendation and the incident surface dose, and to measure the organ absorbed dose. This study is compared the organ absorbed dose and the entrance surface dose in the clinical conditions at 5 and 10 years old pediatric. Clinical 5 year old condition was slightly higher than recommendation condition and 10 year old condition was very high. In addition, recommendation condition ESD was found to be 43% higher than the ESD of the 5 year old group and the ESD of the 10 year old group was 126% higher than that of the 5 year old group. The recommended ESD at 5 years old and the ESD according to clinical imaging conditions were 31.6%. There was no significant difference between the 5 year old recommended exposure conditions and the organ absorbed dose due to clinical exposure conditions, but there was a large difference between the Chest and Pelvic. However, it was found that there was a remarkable difference when comparing the organ absorbed dose by 10 year clinical exposure conditions. Therefore, more detailed standard exposure dose for the recommended dose of pediatric should be studied.

  20. Occupational hazard: radiation exposure for the urologist--developing a reference standard.

    Science.gov (United States)

    Cohen, Seth A; Rangarajan, Sriram S; Chen, Tony; Palazzi, Kerrin L; Langford, J Scott; Sur, Roger L

    2013-01-01

    To date, there is a paucity of literature offering practicing urologists a reference for the amount of radiation exposure received while surgically managing urolithiasis. This study examines the cumulative radiation exposure of an urologist over 9 months. We present a case series of fluoroscopic exposures of an experienced stone surgeon operating at an academic comprehensive stone center between April and December 2011. Radiation exposure measurements were determined by a thermoluminescent dosimeter worn on the outside of the surgeon's thyroid shield. Estimations of radiation exposure (mrem) per month were charted with fluoroscopy times, using scatter plots to estimate Spearman's rank correlation coefficients. The total 9-month radiation exposure was 87 mrems for deep dose equivalent (DDE), 293 mrem for lens dose equivalent (LDE), and 282 mrem for shallow dose equivalent (SDE). Total fluoroscopy time was 252.44 minutes for 64 ureteroscopies (URSs), 29 percutaneous nephrolithtomies (PNLs), 20 cystoscopies with ureteral stent placements, 9 shock wave lithotripsies (SWLs), 9 retrograde pyelograms (RPGs), 2 endoureterotomies, and 1 ureteral balloon dilation. Spearman's rank correlation coefficients examining the association between fluoroscopy time and radiation exposure were not significant for DDE (p = 0.6, Spearman's rho = 0.2), LDE (p = 0.6, Spearman's rho = 0.2), or SDE (p = 0.6, Spearman's rho = 0.2). Over a 9-month period, total radiation exposures were well below annual accepted limits (DDE 5000 mrem, LDE 15,000 mrem and SDE 50,000 mrem). Although fluoroscopy time did not correlate with radiation exposure, future prospective studies can account for co-variates such as patient obesity and urologist distance from radiation source.

  1. Occupational hazard: radiation exposure for the urologist: developing a reference standard

    International Nuclear Information System (INIS)

    Cohen, Seth A.; Rangarajan, Sriram S.; Chen, Tony; Palazzi, Kerrin L.; Langford, J. Scott; Sur, Roger L.

    2013-01-01

    Introduction: to date, there is a paucity of literature offering practicing urologists a reference for the amount of radiation exposure received while surgically managing urolithiasis. This study examines the cumulative radiation exposure of an urologist over 9 months. Materials and methods: We present a case series of fluoroscopic exposures of an experienced stone surgeon operating at an academic comprehensive stone center between April and December 2011. Radiation exposure measurements were determined by a thermoluminescent dosimeter worn on the outside of the surgeon's thyroid shield. Estimations of radiation exposure (mrem) per month were charted with fluoroscopy times, using scatter plots to estimate Spearman's rank correlation coefficients. Results: the total 9-month radiation exposure was 87 mrems for deep dose equivalent (DDE), 293 mrem for lens dose equivalent (LDE), and 282 mrem for shallow dose equivalent (SDE). Total fluoroscopy time was 252.44 minutes for 64 ureteroscopies (URSs), 29 percutaneous nephrolithtomies (PNLs), 20 cystoscopies with ureteral stent placements, 9 shock wave ithotripsies (SWLs), 9 retrograde pyelograms (RPGs), 2 endoureterotomies, and 1 ureteral balloon dilation. Spearman's rank correlation coefficients examining the association between fluoroscopy time and radiation exposure were not significant for DDE (p = 0.6, Spearman's rho = 0.2), LDE (p = 0.6, Spearman's rho = 0.2), or SDE (p = 0.6, Spearman's rho = 0.2). Conclusions: Over a 9-month period, total radiation exposures were well below annual accepted limits (DDE 5000 mrem, LDE 15,000 mrem and SDE 50,000 mrem). Although fluoroscopy time did not correlate with radiation exposure, future prospective studies can account for co-variates such as patient obesity and urologist distance from radiation source. (author)

  2. Occupational hazard: radiation exposure for the urologist: developing a reference standard

    Energy Technology Data Exchange (ETDEWEB)

    Cohen, Seth A.; Rangarajan, Sriram S.; Chen, Tony; Palazzi, Kerrin L.; Langford, J. Scott; Sur, Roger L., E-mail: rlsur@ucsd.edu [Department of Surgery and Division of Urology, U C San Diego Health Science System, San Diego, CA (United States)

    2013-03-15

    Introduction: to date, there is a paucity of literature offering practicing urologists a reference for the amount of radiation exposure received while surgically managing urolithiasis. This study examines the cumulative radiation exposure of an urologist over 9 months. Materials and methods: We present a case series of fluoroscopic exposures of an experienced stone surgeon operating at an academic comprehensive stone center between April and December 2011. Radiation exposure measurements were determined by a thermoluminescent dosimeter worn on the outside of the surgeon's thyroid shield. Estimations of radiation exposure (mrem) per month were charted with fluoroscopy times, using scatter plots to estimate Spearman's rank correlation coefficients. Results: the total 9-month radiation exposure was 87 mrems for deep dose equivalent (DDE), 293 mrem for lens dose equivalent (LDE), and 282 mrem for shallow dose equivalent (SDE). Total fluoroscopy time was 252.44 minutes for 64 ureteroscopies (URSs), 29 percutaneous nephrolithtomies (PNLs), 20 cystoscopies with ureteral stent placements, 9 shock wave ithotripsies (SWLs), 9 retrograde pyelograms (RPGs), 2 endoureterotomies, and 1 ureteral balloon dilation. Spearman's rank correlation coefficients examining the association between fluoroscopy time and radiation exposure were not significant for DDE (p = 0.6, Spearman's rho = 0.2), LDE (p = 0.6, Spearman's rho = 0.2), or SDE (p = 0.6, Spearman's rho = 0.2). Conclusions: Over a 9-month period, total radiation exposures were well below annual accepted limits (DDE 5000 mrem, LDE 15,000 mrem and SDE 50,000 mrem). Although fluoroscopy time did not correlate with radiation exposure, future prospective studies can account for co-variates such as patient obesity and urologist distance from radiation source. (author)

  3. OSHA's approach to risk assessment for setting a revised occupational exposure standard for 1,3-butadiene.

    Science.gov (United States)

    Grossman, E A; Martonik, J

    1990-01-01

    In its 1980 benzene decision [Industrial Union Department, ALF-CIO v. American Petroleum Institute, 448 U.S. 607 (1980)], the Supreme Court ruled that "before he can promulgate any permanent health or safety standard, the Secretary [of Labor] is required to make a threshold finding that a place of employment is unsafe--in the sense that significant risks are present and can be lessened by a change in practices" (448 U.S. at 642). The Occupational Safety and Health Administration (OSHA) has interpreted this to mean that whenever possible, it must quantify the risk associated with occupational exposure to a toxic substance at the current permissible exposure limit (PEL). If OSHA determines that there is significant risk to workers' health at its current standard, then it must quantify the risk associated with a variety of alternative standards to determine at what level, if any, occupational exposure to a substance no longer poses a significant risk. For rulemaking on occupational exposure to 1,3-butadiene, there are two studies that are suitable for quantitative risk assessment. One is a mouse inhalation bioassay conducted by the National Toxicology Program (NTP), and the other is a rat inhalation bioassay conducted by Hazelton Laboratories Europe. Of the four risk assessments that have been submitted to OSHA, all four have used the mouse and/or rat data with a variety of models to quantify the risk associated with occupational exposure to 1,3-butadiene. In addition, OSHA has performed its own risk assessment using the female mouse and female rat data and the one-hit and multistage models.(ABSTRACT TRUNCATED AT 250 WORDS) PMID:2401254

  4. Evaluation of human exposure to complex waveform magnetic fields generated by arc-welding equipment according to European safety standards.

    Science.gov (United States)

    Zoppetti, Nicola; Bogi, Andrea; Pinto, Iole; Andreuccetti, Daniele

    2015-02-01

    In this paper, a procedure is described for the assessment of human exposure to magnetic fields with complex waveforms generated by arc-welding equipment. The work moves from the analysis of relevant guidelines and technical standards, underlining their strengths and their limits. Then, the procedure is described with particular attention to the techniques used to treat complex waveform fields. Finally, the procedure is applied to concrete cases encountered in the workplace. The discussion of the results highlights the critical points in the procedure, as well as those related to the evolution of the technical and exposure standards. © The Author 2014. Published by Oxford University Press. All rights reserved. For Permissions, please email: journals.permissions@oup.com.

  5. Standard Practice for Exposure of Solar Collector Cover Materials to Natural Weathering Under Conditions Simulating Stagnation Mode

    CERN Document Server

    American Society for Testing and Materials. Philadelphia

    1992-01-01

    1.1 This practice covers a procedure for the exposure of solar collector cover materials to the natural weather environment at elevated temperatures that approximate stagnation conditions in solar collectors having a combined back and edge loss coefficient of less than 1.5 W/(m2 · °C). 1.2 This practice is suitable for exposure of both glass and plastic solar collector cover materials. Provisions are made for exposure of single and double cover assemblies to accommodate the need for exposure of both inner and outer solar collector cover materials. 1.3 This practice does not apply to cover materials for evacuated collectors, photovoltaic cells, flat-plate collectors having a combined back and edge loss coefficient greater than 1.5 W/(m2 ·° C), or flat-plate collectors whose design incorporates means for limiting temperatures during stagnation. 1.4 This standard does not purport to address all of the safety concerns, if any, associated with its use. It is the responsibility of the user of this standard t...

  6. Low default credit scoring using two-class non-parametric kernel density estimation

    CSIR Research Space (South Africa)

    Rademeyer, E

    2016-12-01

    Full Text Available This paper investigates the performance of two-class classification credit scoring data sets with low default ratios. The standard two-class parametric Gaussian and non-parametric Parzen classifiers are extended, using Bayes’ rule, to include either...

  7. Why do Investors Buy Sovereign Default Insurance?

    DEFF Research Database (Denmark)

    Augustin, Patrick; Sokolovski, Valeri; Subrahmanyam, Marti G.

    We provide a comprehensive analysis of the determinants of trading in the sovereign credit default swaps (CDS) market, using weekly data for single-name sovereign CDS from October 2008 to September 2015. We describe the anatomy of the sovereign CDS market, derive a law of motion for gross positions...

  8. Default Mode Network Connectivity in Stroke Patients

    NARCIS (Netherlands)

    Tuladhar, A.M.; Snaphaan, L.J.A.E.; Shumskaya, A.N.; Rijpkema, M.J.P.; Fernandez, G.S.E.; Norris, D.G.; Leeuw, F.E. de

    2013-01-01

    The pathophysiology of episodic memory dysfunction after infarction is not completely understood. It has been suggested that infarctions located anywhere in the brain can induce widespread effects causing disruption of functional networks of the cortical regions. The default mode network, which

  9. Default from neoadjuvant chemotherapy in premenopausal female ...

    African Journals Online (AJOL)

    Seventeen (38.6%) patients dropped out of treatment, before, during or after completing NAC. Ten of these defaulted due to inadequate funds to procure chemotherapy, three patients because they insisted on immediate mastectomy, and four of these patients refused surgery when they achieved complete clinical response, ...

  10. Student Loan Default and Repayment in Kentucky

    Science.gov (United States)

    Kentucky Council on Postsecondary Education, 2016

    2016-01-01

    As college costs continue to rise, student loan default and repayment are issues of increasing concern to students and families, colleges and universities, and state and federal governments. Helping students borrow responsibly and manage their debt are vitally important to maintaining college access and affordability and increasing the education…

  11. Student Loan Default Rates in Minnesota, 2007

    Science.gov (United States)

    Grimes, Tricia

    2010-01-01

    While Minnesota undergraduates are more likely to take out student loans, they are substantially less likely than their peers nationally to default on federal student loans. Fifty-four percent of Minnesota undergraduates took out student loans in 2007-2008, compared to 39 percent of undergraduates across the U.S. Minnesota undergraduates were also…

  12. Default Bayesian Estimation of the Fundamental Frequency

    DEFF Research Database (Denmark)

    Nielsen, Jesper Kjær; Christensen, Mads Græsbøll; Jensen, Søren Holdt

    2013-01-01

    Joint fundamental frequency and model order esti- mation is an important problem in several applications. In this paper, a default estimation algorithm based on a minimum of prior information is presented. The algorithm is developed in a Bayesian framework, and it can be applied to both real...

  13. Microcredit Loan Repayment Default among Small Scale ...

    African Journals Online (AJOL)

    The model is applied to primary data from a survey of 200 small scale entrepreneurs in the Upper West Region of Ghana. Results show that enterprise size, interest rate, loan duration, level of profit and loan amount are the simultaneous determinants of probability and rate of default. The study recommends that the National ...

  14. Current exposure method for CCP’s under Basel III

    Directory of Open Access Journals (Sweden)

    Antonie Kotzé

    2013-04-01

    Full Text Available Exposure-at-default is one of the most interesting and most difficult parameters to estimate in counterparty credit risk. Basel I offered only the non-internal Current Exposure Method for estimating this quantity whilst Basel II further introduced the Standardized Method and an Internal Model Method. Under new Basel III rules a central counterparty is defined as being a financial institution. New principles set out by the Basel Committee on Banking Supervision forces Central Counterparties in using the Current Exposure Method when estimating the credit exposures to Clearing Member banks notwithstanding its shortcomings. The Current Exposure Method relies on the Value-at-Risk methodology and its characteristics are discussed in this note. We will particularly investigate exposures to SAFCOM, the South African clearing house and point to a mathematical discrepancy on how netting is effected through the Basel accord.

  15. Drug addiction and alcoholism as predictors for tuberculosis treatment default in Brazil: a prospective cohort study.

    Science.gov (United States)

    Silva, M R; Pereira, J C; Costa, R R; Dias, J A; Guimarães, M D C; Leite, I C G

    2017-12-01

    This study aimed to evaluate the risk factors for tuberculosis (TB) treatment default in a priority city for disease control in Brazil. A cohort of TB cases diagnosed from 2008 to 2009 was followed up from patients' entry into three outpatient sites, in Juiz de Fora, Minas Gerais (Brazil), until the recording of the outcomes. Drug addiction, alcoholism and treatment site appeared to be independently associated with default. Current users of crack as the hardest drug (odds ratio (OR) 12·25, 95% confidence interval (CI) 3·04-49·26) were more likely to default than other hard drug users (OR 5·67, 95% CI 1·34-24·03), former users (OR 4·12, 95% CI 1·11-15·20) and those not known to use drugs (reference group). Consumers at high risk of alcoholism (OR 2·94, 95% CI 1·08-7·99) and those treated in an outpatient hospital unit (OR 8·22, 95% CI 2·79-24·21%) also were more likely to default. Our results establish that substance abuse was independently associated with default. National TB programmes might be more likely to achieve their control targets if they include interventions aimed at improving adherence and cure rates, by diagnosing and treating substance abuse concurrently with standard TB therapy.

  16. Vaccination default rates among children attending a static ...

    African Journals Online (AJOL)

    This study was conducted to determine the vaccination default rate and vaccine schedule that is most frequently defaulted. It also documented reasons for the defaults and suggested ways of minimising them. The immunization status of 174 children aged 9-11 months were determined by interviewing mothers regarding ...

  17. 17 CFR 10.94 - Setting aside of default.

    Science.gov (United States)

    2010-04-01

    ... 17 Commodity and Securities Exchanges 1 2010-04-01 2010-04-01 false Setting aside of default. 10... PRACTICE Disposition Without Full Hearing § 10.94 Setting aside of default. In order to prevent injustice and on such conditions as may be appropriate, (a) the Commission may at any time set aside a default...

  18. 24 CFR 232.840 - Date of default.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Date of default. 232.840 Section 232.840 Housing and Urban Development Regulations Relating to Housing and Urban Development (Continued....840 Date of default. In computing loan insurance benefits, the date of default shall be considered as...

  19. 48 CFR 252.237-7007 - Termination for default.

    Science.gov (United States)

    2010-10-01

    ... 48 Federal Acquisition Regulations System 3 2010-10-01 2010-10-01 false Termination for default... of Provisions And Clauses 252.237-7007 Termination for default. As prescribed in 237.7003(b), use the following clause: Termination for Default (DEC 1991) (a) This clause supplements and is in addition to the...

  20. 75 FR 60258 - Federal Acquisition Regulation; Termination for Default Reporting

    Science.gov (United States)

    2010-09-29

    ..., Sequence 1] RIN 9000-AL45 Federal Acquisition Regulation; Termination for Default Reporting AGENCIES... terminations for cause or default and defective cost or pricing data, into the Past Performance Information... defective cost or pricing data and terminations for cause or default into the FAPIIS module of the PPIRS...

  1. 24 CFR 220.811 - Date of default.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Date of default. 220.811 Section... and Obligations-Projects Insured Project Improvement Loans § 220.811 Date of default. For the purposes of §§ 220.800 et seq., the date of default shall be considered as: (a) The date of the first...

  2. Default options and social welfare : Opt in versus opt out

    NARCIS (Netherlands)

    Bouckaert, J.M.C.; Degryse, H.A.

    2013-01-01

    We offer a social-welfare comparison of the two most prominent default options – opt in and opt out – using a two-period model of localized competition. We demonstrate that when consumers stick to the default option, the prevailing default policy shapes firms' ability to collect and use customer

  3. 24 CFR 232.830 - Definition of default.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Definition of default. 232.830... Insurance § 232.830 Definition of default. (a) If the borrower fails to make any payments due under or... default for the purposes of this subpart. (b) The failure to perform any other covenant under the note or...

  4. 42 CFR 23.28 - What events constitute default?

    Science.gov (United States)

    2010-10-01

    ... 42 Public Health 1 2010-10-01 2010-10-01 false What events constitute default? 23.28 Section 23.28 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES PERSONNEL NATIONAL HEALTH... default? The following events will constitute defaults of the loan agreement: (a) Failure to make full...

  5. 17 CFR 10.93 - Obtaining default order.

    Science.gov (United States)

    2010-04-01

    ... 17 Commodity and Securities Exchanges 1 2010-04-01 2010-04-01 false Obtaining default order. 10.93... Disposition Without Full Hearing § 10.93 Obtaining default order. When a respondent has failed to (a) file an... enter findings and conclusions and a default order against that respondent based upon the matters set...

  6. 27 CFR 25.173 - Brewer in default.

    Science.gov (United States)

    2010-04-01

    ... 27 Alcohol, Tobacco Products and Firearms 1 2010-04-01 2010-04-01 false Brewer in default. 25.173... OF THE TREASURY LIQUORS BEER Tax on Beer Prepayment of Tax § 25.173 Brewer in default. (a) When a... the brewer is otherwise in default in payment of tax under § 25.164, beer may not be removed for...

  7. 48 CFR 449.402-3 - Procedure for default.

    Science.gov (United States)

    2010-10-01

    ... 48 Federal Acquisition Regulations System 4 2010-10-01 2010-10-01 false Procedure for default. 449.402-3 Section 449.402-3 Federal Acquisition Regulations System DEPARTMENT OF AGRICULTURE CONTRACT MANAGEMENT TERMINATION OF CONTRACTS Termination for Default 449.402-3 Procedure for default. In addition to...

  8. 12 CFR 615.5280 - Retirement in event of default.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Retirement in event of default. 615.5280... Dividends § 615.5280 Retirement in event of default. (a) When the debt of a holder of eligible borrower... association or agricultural credit association is in default, such institution may, but shall not be required...

  9. 48 CFR 22.1023 - Termination for default.

    Science.gov (United States)

    2010-10-01

    ... 48 Federal Acquisition Regulations System 1 2010-10-01 2010-10-01 false Termination for default... Amended 22.1023 Termination for default. As provided by the Act, any contractor failure to comply with the requirements of the contract clauses related to the Act may be grounds for termination for default (see...

  10. 24 CFR 220.810 - Definition of default.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Definition of default. 220.810... Contract Rights and Obligations-Projects Insured Project Improvement Loans § 220.810 Definition of default... note or security instrument and such default continues for a period of 30 days, the note or security...

  11. 29 CFR 2570.5 - Consequences of default.

    Science.gov (United States)

    2010-07-01

    ... 29 Labor 9 2010-07-01 2010-07-01 false Consequences of default. 2570.5 Section 2570.5 Labor... ERISA Section 502(i) § 2570.5 Consequences of default. For prohibited transaction penalty proceedings... administrative law judge may set aside a default entered under this provision where there is proof of defective...

  12. 24 CFR 241.830 - Definition of default.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Definition of default. 241.830... § 241.830 Definition of default. (a) If the borrower fails to make any payments due under or provided to be paid by the terms of the note or security instrument, the note shall be considered in default for...

  13. 7 CFR 1717.653 - Borrowers in default.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Borrowers in default. 1717.653 Section 1717.653..., Loans, and Guarantees by Electric Borrowers § 1717.653 Borrowers in default. Any borrower not in... the required action, then, upon written notice from RUS, the borrower shall be in default of its RUS...

  14. 48 CFR 1449.402-3 - Procedure for default.

    Science.gov (United States)

    2010-10-01

    ... 48 Federal Acquisition Regulations System 5 2010-10-01 2010-10-01 false Procedure for default. 1449.402-3 Section 1449.402-3 Federal Acquisition Regulations System DEPARTMENT OF THE INTERIOR CONTRACT MANAGEMENT TERMINATION OF CONTRACTS Termination for Default 1449.402-3 Procedure for default. In...

  15. 27 CFR 40.166 - Default, prepayment of tax required.

    Science.gov (United States)

    2010-04-01

    ... 27 Alcohol, Tobacco Products and Firearms 2 2010-04-01 2010-04-01 false Default, prepayment of tax... Payment of Taxes on Tobacco Products § 40.166 Default, prepayment of tax required. Where a check or money... tax due thereunder, or where a manufacturer is otherwise in default in payment of tax on tobacco...

  16. 24 CFR 220.812 - Notice of default.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Notice of default. 220.812 Section... and Obligations-Projects Insured Project Improvement Loans § 220.812 Notice of default. (a) If the default as defined in § 220.810 is not cured within the 30 day grace period, the lender shall, within 30...

  17. Of religion and redemption : Evidence from default on Islamic loans

    NARCIS (Netherlands)

    Baele, L.T.M.; Farooq, Moazzam; Ongena, S.R.G.

    We compare default rates on conventional and Islamic loans using a comprehensive monthly dataset from Pakistan that follows more than 150,000 loans over the period 2006:04 to 2008:12. We find robust evidence that the default rate on Islamic loans is less than half the default rate on conventional

  18. The Impact of Early Exposure of Eighth Grade Math Standards on End of Grade Assessments

    Science.gov (United States)

    Robertson, Tonjai E.

    2016-01-01

    The purpose of this study was to examine the Cumberland County Schools district-wide issue surrounding the disproportional performance of eighth grade Math I students' proficiency scores on standardized end-of-grade and end-of-course assessments. The study focused on the impact of the school district incorporating eighth grade math standards in…

  19. A Comparison of Image Quality and Radiation Exposure Between the Mini C-Arm and the Standard C-Arm.

    Science.gov (United States)

    van Rappard, Juliaan R M; Hummel, Willy A; de Jong, Tijmen; Mouës, Chantal M

    2018-04-01

    The use of intraoperative fluoroscopy has become mandatory in osseous hand surgery. Due to its overall practicality, the mini C-arm has gained popularity among hand surgeons over the standard C-arm. This study compares image quality and radiation exposure for patient and staff between the mini C-arm and the standard C-arm, both with flat panel technology. An observer-based subjective image quality study was performed using a contrast detail (CD) phantom. Five independent observers were asked to determine the smallest circles discernable to them. The results were plotted in a graph, forming a CD curve. From each curve, an image quality figure (IQF) was derived. A lower IQF equates to a better image quality. The patients' entrance skin dose was measured, and to obtain more information about the staff exposure dose, a perspex hand phantom was used. The scatter radiation was measured at various distances and angles relative to a central point on the detector. The IQF was significantly lower for the mini C-arm resulting in a better image quality. The patients' entrance dose was 10 times higher for the mini C-arm as compared with the standard C-arm, and the scatter radiation threefold. Due to its improved image quality and overall practicality, the mini C-arm is recommended for hand surgical procedures. To ensure that the surgeons' radiation exposure is not exceeding the safety limits, monitoring radiation exposure using mini C-arms with flat panel technology during surgery should be done in a future clinical study.

  20. 78 FR 78962 - Criteria for a Recommended Standard; Occupational Exposure to Heat and Hot Environments; Draft...

    Science.gov (United States)

    2013-12-27

    ..., Cincinnati, Ohio, 45226. Background: Workers who are exposed to extreme heat or work in hot environments may be at risk of heat stress. Exposure to extreme heat can result in occupational illnesses and injuries. Heat stress can result in heat-related illnesses such as heat stroke, heat exhaustion, heat cramps, or...

  1. Enforcement of radiation safety standards and experience in the regulatory control of exposures

    International Nuclear Information System (INIS)

    Krishnamurthi, T.N.

    1997-01-01

    Regulatory provisions for radiation protection and their enforcement in India are discussed in this paper. The rules and regulations framed for radiation safety cover all the nuclear fuel cycle activities as well as the application of radiation sources in industrial, medical and research institutions. The enforcement aspects and experience in the control of exposures are presented. (author)

  2. A Study of the Impact of Default Management Practices and Other Factors on Student Loan Default Rates in Public Two-Year Community Colleges

    Science.gov (United States)

    Daniels, Randell W.

    2013-01-01

    Default management practices and their relationship to the student loan default rate in public two-year community colleges was the focus of this investigation. Five research questions regarding written default management plans, default management practices, process management, accountability, and other factors impacting default guided the study.…

  3. Exposure to radon and mortality standard in a coal miner cohort in Brazil

    International Nuclear Information System (INIS)

    Veiga, Lene Holanda Sadler; Amaral, Eliana; Koifman, Sergio

    2002-01-01

    High levels of radon and his products have been found at a underground coal mine, at the Southern Brazil, in operation since 1945. The 222 Rn concentration levels measured were 7000 Bq/m 3 and 0.7 WL for the radon sons (7.7 WLM/year), which are values considered higher than the limits for intervention in a working environments (500 to 1500 Bq/m3 of 222 Rn) and the occupational exposure limit (4.0 WLM/year). Due to the unique opportunity found in these miner group, it was decided to construct a cohort with miners from that mining (underground and surface) viewing the evaluation of the possible effects to the health decurrens from that exposure

  4. Nanomaterials – Proposals of occupational exposure limits in the world and hygiene standards in Poland

    Directory of Open Access Journals (Sweden)

    Anna Maria Świdwińska-Gajewska

    2013-12-01

    Full Text Available Currently, there are no legally binding workplace exposure limits for substances in the form of nanoobjects. There are different approaches to risk assessment and determination of occupational exposure limits. The purpose of this article is to compare exposure levels in the work environment proposed by international organizations and world experts, as well as the assumptions and methods used for their estimation. This paper presents the proposals of the National Institute for Public Health and the Environment in the Netherlands (RIVM, the New Energy and Industrial Technology Development Organization in Japan (NEDO and the National Institute for Occupational Safety and Health in the USA (NIOSH. The authors also discuss the reports on the levels for carbon nanotubes (Baytubes® and Nanocyl proposed by Pauluhn and Luizi, the derived no-effect levels (DNEL complying with the REACH Regulation, proposed by experts under the 7th Framework Programme of the European Commission, coordinated by Professor Vicki Stone (ENRHES, and alternative estimation levels for poorly soluble particles by Pauluhn. The issue was also raised whether the method of determining maximum admissible concentrations in the work environment, currently used in Poland, is adequate for nanoobjects. Moreover, the introduction of nanoreference values, as proposed by RIVM, the definition of a new fraction for particles of 1-100 nm, taking into account the surface area and activity of the particles, and an adequate estimation of uncertainty factors seem to be worth considering. Other important, if not key issues are the appropriate measurement (numerical concentration, surface concentration, particle size distribution, as well as the methodology and equipment accessibility to all employers responsible for a reliable risk assessment of exposure to nanoparticles in the work environment. Med Pr 2013;64(6:829–845

  5. Twelve-month follow-up of virtual reality and standard exposure therapies for the fear of flying.

    Science.gov (United States)

    Rothbaum, Barbara Olasov; Hodges, Larry; Anderson, Page L; Price, Larry; Smith, Samantha

    2002-04-01

    This study reports the 12-month follow-up from patients with the fear of flying who were treated in a controlled study and randomly assigned (n = 49) to virtual reality exposure (VRE) therapy, standard exposure (SE) therapy, or to a wait-list control (WL). VRE and SE were equally superior to WL. At 12 months posttreatment, data were gathered on 24 of the 30 (80%) patients who were assigned to VRE or SE. Patients maintained their treatment gains, and 92% of VRE participants and 91% of SE participants had flown on a real airplane since the graduation flight. This is the 1st year-long follow-up of patients having been treated with VRE and indicates that short-term treatment can have lasting effects.

  6. Use of hardware modified phones for exposure assessment in health studies in Australia: verification of compliance with standards.

    Science.gov (United States)

    Inyang, I; Benke, G; McKenzie, R; Abramson, M

    2009-06-01

    Most epidemiological studies investigating health effects of mobile telephone use have been criticised for poor quality of exposure assessment. Most used questionnaires which have limited precision to assess exposure. Clearly more relevant and direct methods of exposure assessment are needed. We describe the calibration of hardware modified phones (HMPs) for exposure assessment and dosimetry and verified their compliance with Australian and international standards. Specific energy absorption rate (SAR) values at various tilts and rotations and their combinations were obtained for the HMPs using a 'DASY3' SAR measuring system. Calibration involved placing HMPs on human head phantoms and taking measurements at 900 and 1800 MHz bands on right and left sides of the phantom. At 900 MHz the maximum SAR obtained with HMPs at the touch position was 0.9 W/kg and 0.4 W/kg at 30 degrees tilt but at 1800 MHz, SAR at the touch and 30 degrees tilts were 1.1 W/kg and 1.3 W/kg respectively. Whilst tilt and rotation each had an effect on SAR at constant frequency, no interaction was observed with rotation and frequency, however one was observed between tilt and frequency. At 1800 MHz mean SAR at 30 degrees tilt was 0.22 W/kg higher (95% CI 0.15, 0.30) than at 0 degrees, whereas at 900 MHz mean SAR at 30 degrees tilt was 0.60 W/kg lower (95% CI 0.52, 0.67) than at 0 degrees. Our results indicated that tilts influence SAR more than rotations. SAR values obtained at both 900/1800 MHz for the HMPswere well below ICNIRP limits for the general public. The phones were compliant with both international and Australian standards.

  7. Credit Default Swaps networks and systemic risk

    Science.gov (United States)

    Puliga, Michelangelo; Caldarelli, Guido; Battiston, Stefano

    2014-11-01

    Credit Default Swaps (CDS) spreads should reflect default risk of the underlying corporate debt. Actually, it has been recognized that CDS spread time series did not anticipate but only followed the increasing risk of default before the financial crisis. In principle, the network of correlations among CDS spread time series could at least display some form of structural change to be used as an early warning of systemic risk. Here we study a set of 176 CDS time series of financial institutions from 2002 to 2011. Networks are constructed in various ways, some of which display structural change at the onset of the credit crisis of 2008, but never before. By taking these networks as a proxy of interdependencies among financial institutions, we run stress-test based on Group DebtRank. Systemic risk before 2008 increases only when incorporating a macroeconomic indicator reflecting the potential losses of financial assets associated with house prices in the US. This approach indicates a promising way to detect systemic instabilities.

  8. Credit Default Swaps networks and systemic risk.

    Science.gov (United States)

    Puliga, Michelangelo; Caldarelli, Guido; Battiston, Stefano

    2014-11-04

    Credit Default Swaps (CDS) spreads should reflect default risk of the underlying corporate debt. Actually, it has been recognized that CDS spread time series did not anticipate but only followed the increasing risk of default before the financial crisis. In principle, the network of correlations among CDS spread time series could at least display some form of structural change to be used as an early warning of systemic risk. Here we study a set of 176 CDS time series of financial institutions from 2002 to 2011. Networks are constructed in various ways, some of which display structural change at the onset of the credit crisis of 2008, but never before. By taking these networks as a proxy of interdependencies among financial institutions, we run stress-test based on Group DebtRank. Systemic risk before 2008 increases only when incorporating a macroeconomic indicator reflecting the potential losses of financial assets associated with house prices in the US. This approach indicates a promising way to detect systemic instabilities.

  9. Basic safety standards for radiation protection and their application to internal exposures

    International Nuclear Information System (INIS)

    Dousset, M.

    Following a summary of the basic concepts on radiation protection units, the safety standards now in effect in France and those recommended by the International Commission on Radiological Protection (ICRP Publication 9, 1965) to be used as a basis to the next Euratom regulations are developed [fr

  10. Review of the Primary National Ambient Air Quality Standard for Sulfur Oxides: Risk and Exposure Assessment

    Science.gov (United States)

    Sulfur oxides are one of the six major air pollutants for which EPA has issued air quality criteria and established national ambient air quality standards (NAAQS) based on those criteria. The Clear Air Act (CAA) requires EPA to periodically review and revise, as appropriate, exis...

  11. Understanding Emerging Market Sovereign Bond Yield Spread: Role of Default and Non-Default Determinants

    Directory of Open Access Journals (Sweden)

    Adelia Surya Pratiwi

    2015-04-01

    Full Text Available This paper is motivated by the fact that emerging market assets size has been expanding and trying to use sovereign debt market as part of capital market as main research focus. It is highlighting the distinction between default and non-default determinants and examining their significance in explaining emerging market sovereign bond yield spread. Using Cross-Sectional Fixed-Effect Panel Estimator, we found that both default (as proxied by Credit Rating and Outlook Index and non-default (as proxied by 3-month Fed Funds Futures determinants has significant explanatory power to sovereign bond yield spread. Extensively, we also found the significance to add volatility of 3-month Fed Funds Futures and Fed Target Rate basis and volatility of advanced stock markets as variables to stand for non-default determinants in the model. The significance of the latter model is strengthened by higher forecasting as well as indicates the significant role of US market to emerging market sovereign bond market.

  12. Intercomparison of the medium energy primary standards for X-ray exposure of NPL and ENEA, Italy

    International Nuclear Information System (INIS)

    Moretti, C.J.; Heaton, J.A.; Laitano, R.F.; Toni, M.P.

    1991-04-01

    An intercomparison between the primary standards of exposure for medium energy X-rays held by the National Physical Laboratory (NPL) and ENEA in Italy is described. The intercomparison, using four different transfer chambers, took place at NPL in December 1989 and at ENEA during March 1990. Measurements were made at four therapy-level qualities, with half value layers of 0.15, 0.5, 1.0 and 2.5 mm Cu (nominal generating voltages of 100, 135, 180 and 250 kV respectively). At the 2.5 mm Cu HVL quality the primary standards were found to agree to within about 0.8%; for the other three qualities the chambers differed by no more than 0.3%. (author)

  13. Acute effects of exposure to vapours of standard and dearomatized white spirits in humans. 1. Dose-finding study.

    Science.gov (United States)

    Ernstgård, Lena; Lind, Birger; Johanson, Gunnar

    2009-04-01

    A move from 'standard' white spirit (stdWS, 15-20% aromatics) to low-aromatic or dearomatized white spirit (deWS) has been seen, as the latter are considered to carry a smaller risk of health effects. However, data on health risks of deWS on humans are sparse. The aim of this dose-finding study was to identify thresholds of irritation and central nervous system (CNS) effects of the two types of white spirit, as a basis for more detailed studies. Four female and four male healthy volunteers rated symptoms related to irritation, smell and CNS effects on a 0-100 mm visual analogue scale while exposed to increasing levels of deWS or stdWS in eight 10 min steps from 0.5 to 600 mg m(-3). Combined ratings of questions related to irritation revealed statistically significant increases compared with pre-exposure ratings at 50 mg m(-3) and higher exposures. The ratings increased in a dose-dependent fashion, the medians reaching 'somewhat' for stdWS and 'hardly at all' for deWS. Higher ratings of irritation were found during exposure to stdWS compared with deWS, reaching significance only at 500 mg m(-3). The combined ratings of CNS effects reached 'hardly at all', and were significantly increased only for stdWS at 500 and 600 mg m(-3).

  14. Calculating the interindividual geometric standard deviation for use in the integrated exposure uptake biokinetic model for lead in children.

    Science.gov (United States)

    Griffin, S; Marcus, A; Schulz, T; Walker, S

    1999-06-01

    The integrated exposure uptake biokinetic (IEUBK) model, recommended for use by the U.S. Environmental Protection Agency at residential Superfund sites to predict potential risks to children from lead exposure and to establish lead remediation levels, requires an interindividual geometric standard deviation (GSDi) as an essential input parameter. The GSDi quantifies the variability of blood lead concentrations for children exposed to similar environmental concentrations of lead. Estimates of potential risks are directly related to the GSDi, and therefore the GSDi directly impacts the scope of remediation at Superfund sites. Site-specific GSDi can be calculated for sites where blood lead and environmental lead have been measured. This paper uses data from blood and environmental lead studies conducted at the Bingham Creek and Sandy, Utah, Superfund sites to calculate GSDi using regression modeling, box modeling, and structural equation modeling. GSDis were calculated using various methods for treating values below the analytical method detection and quantitation limits. Treatment of nonquantifiable blood lead concentrations affected the GSDi more than the statistical method used to calculate the GSDi. For any given treatment, the different statistical methods produced similar GSDis. Because of the uncertainties associated with data in the blood lead studies, we recommend that a range of GSDis be used when analyzing site-specific risks associated with exposure to environmental lead instead of a single estimate. Because the different statistical methods produce similar GSDis, we recommend a simple procedure to calculate site-specific GSDi from a scientifically sound blood and environmental lead study.

  15. Estimation of radiation exposure for brain perfusion CT: standard protocol compared with deviations in protocol.

    Science.gov (United States)

    Hoang, Jenny K; Wang, Chu; Frush, Donald P; Enterline, David S; Samei, Ehsan; Toncheva, Greta; Lowry, Carolyn; Yoshizumi, Terry T

    2013-11-01

    The purpose of this study was to measure the organ doses and estimate the effective dose for the standard brain perfusion CT protocol and erroneous protocols. An anthropomorphic phantom with metal oxide semiconductor field effect transistor (MOSFET) detectors was scanned on a 64-MDCT scanner. Protocol 1 used a standard brain perfusion protocol with 80 kVp and fixed tube current of 200 mA. Protocol 2 used 120 kVp and fixed tube current of 200 mA. Protocol 3 used 120 kVp with automatic tube current modulation (noise index, 2.4; minimum, 100 mA; maximum, 520 mA). Compared with protocol 1, the effective dose was 2.8 times higher with protocol 2 and 7.8 times higher with protocol 3. For all protocols, the peak dose was highest in the skin, followed by the brain and calvarial marrow. Compared with protocol 1, the peak skin dose was 2.6 times higher with protocol 2 and 6.7 times higher with protocol 3. The peak skin dose for protocol 3 exceeded 3 Gy. The ocular lens received significant scatter radiation: 177 mGy for protocol 2 and 435 mGy for protocol 3, which were 4.6 and 11.3 times the dose for protocol 1, respectively. Compared with the standard protocol, erroneous protocols of increasing the tube potential from 80 kVp to 120 kVp will lead to a three- to fivefold increase in organ doses, and concurrent use of high peak kilovoltage with incorrectly programmed tube current modulation can increase dose to organs by 7- to 11-fold. Tube current modulation with a low noise index can lead to doses to the skin and ocular lens that are close to thresholds for tissue reactions.

  16. Preliminary estimation of infantile exposure to BPA based on the standard quality of baby bottles distributed in Isfahan urban society

    Directory of Open Access Journals (Sweden)

    Zohreh Abdi Moghadam

    2013-01-01

    Full Text Available Aims: This study was aimed to estimate the bisphenol A (BPA intake from baby bottles, considering the diversity and the standard quality of the baby bottles distributed in an Isfahan urban society. Materials and Methods: A cross-sectional study was performed in Isfahan in 2011. Baby shops ( n = 33 and drug stores ( n = 7 in four district areas were included in the study. The distribution of baby bottles was investigated regarding their brand, origin, and being labeled "BPA free." Estimation of exposure to BPA from baby bottles was made based on the national and international representative data. Results: The products marked as "BPA free" were found among the western products and limited to two of the selected areas. No "BPA free" marked baby bottle was distinguished among the Iranian made products. Of the 8% exclusively formula-fed infants, 90% may be the high consumers of BPA from polycarbonate baby bottles, with an intake of 1.5-2 μg/kg b.w./day for the moderate and 7.5-10 μg/kg b.w./day in case of worse condition. Conclusion: Considering the current globally accepted threshold daily intake (TDI for BPA, primary exposure estimation is that feeding using non-BPA-free baby bottles is not a serious health concern in Iran. Thought that threshold level of TDI is discussed to be reduced in future, improvement and revision of the national standards can be effective in reducing the exposure to BPA in Iranian infants so as to provide large margin of safety for them.

  17. Default options in the ICU: widely used but insufficiently understood

    Science.gov (United States)

    Hart, Joanna; Halpern, Scott D.

    2015-01-01

    Purpose of review Default options dramatically influence the behavior of decision makers and may serve as effective decision support tools in the ICU. Their use in medicine has increased in an effort to improve efficiency, reduce errors, and harness the potential of healthcare technology. Recent findings Defaults often fall short of their predicted influence when employed in critical care settings as quality improvement interventions. Investigations reporting the use of defaults are often limited by variations in the relative effect across sites. Preimplementation experiments and long-term monitoring studies are lacking. Summary Defaults in the ICU may help or harm patients and clinical efficiency depending on their format and use. When constructing and encountering defaults, providers should be aware of their powerful and complex influences on decision making. Additional evaluations of the appropriate creation of healthcare defaults and their resulting intended and unintended consequences are needed. PMID:25203352

  18. Cyclicality and Firm Size in Private Firm Defaults

    DEFF Research Database (Denmark)

    Jensen, Thais Lærkholm; Lando, David; Medhat, Mamdouh

    2017-01-01

    The Basel II/III and CRD IV Accords reduce capital charges on bank loans to smaller firms by assuming that the default probabilities of smaller firms are less sensitive to macroeconomic cycles. We test this assumption in a default intensity framework using a large sample of bank loans to private...... Danish firms. We find that controlling only for size, the default probabilities of small firms are, in fact, less cyclical than the default probabilities of large firms. However, accounting for firm characteristics other than size, we find that the default probabilities of small firms are equally...... cyclical or even more cyclical than the default probabilities of large firms. These results hold using a multiplicative Cox model as well as an additive Aalen model with time-varying coefficients....

  19. Treatment default amongst patients with tuberculosis in urban Morocco: predicting and explaining default and post-default sputum smear and drug susceptibility results.

    Directory of Open Access Journals (Sweden)

    Imad Cherkaoui

    Full Text Available Public tuberculosis (TB clinics in urban Morocco.Explore risk factors for TB treatment default and develop a prediction tool. Assess consequences of default, specifically risk for transmission or development of drug resistance.Case-control study comparing patients who defaulted from TB treatment and patients who completed it using quantitative methods and open-ended questions. Results were interpreted in light of health professionals' perspectives from a parallel study. A predictive model and simple tool to identify patients at high risk of default were developed. Sputum from cases with pulmonary TB was collected for smear and drug susceptibility testing.91 cases and 186 controls enrolled. Independent risk factors for default included current smoking, retreatment, work interference with adherence, daily directly observed therapy, side effects, quick symptom resolution, and not knowing one's treatment duration. Age >50 years, never smoking, and having friends who knew one's diagnosis were protective. A simple scoring tool incorporating these factors was 82.4% sensitive and 87.6% specific for predicting default in this population. Clinicians and patients described additional contributors to default and suggested locally-relevant intervention targets. Among 89 cases with pulmonary TB, 71% had sputum that was smear positive for TB. Drug resistance was rare.The causes of default from TB treatment were explored through synthesis of qualitative and quantitative data from patients and health professionals. A scoring tool with high sensitivity and specificity to predict default was developed. Prospective evaluation of this tool coupled with targeted interventions based on our findings is warranted. Of note, the risk of TB transmission from patients who default treatment to others is likely to be high. The commonly-feared risk of drug resistance, though, may be low; a larger study is required to confirm these findings.

  20. Treatment default amongst patients with tuberculosis in urban Morocco: predicting and explaining default and post-default sputum smear and drug susceptibility results.

    Science.gov (United States)

    Cherkaoui, Imad; Sabouni, Radia; Ghali, Iraqi; Kizub, Darya; Billioux, Alexander C; Bennani, Kenza; Bourkadi, Jamal Eddine; Benmamoun, Abderrahmane; Lahlou, Ouafae; Aouad, Rajae El; Dooley, Kelly E

    2014-01-01

    Public tuberculosis (TB) clinics in urban Morocco. Explore risk factors for TB treatment default and develop a prediction tool. Assess consequences of default, specifically risk for transmission or development of drug resistance. Case-control study comparing patients who defaulted from TB treatment and patients who completed it using quantitative methods and open-ended questions. Results were interpreted in light of health professionals' perspectives from a parallel study. A predictive model and simple tool to identify patients at high risk of default were developed. Sputum from cases with pulmonary TB was collected for smear and drug susceptibility testing. 91 cases and 186 controls enrolled. Independent risk factors for default included current smoking, retreatment, work interference with adherence, daily directly observed therapy, side effects, quick symptom resolution, and not knowing one's treatment duration. Age >50 years, never smoking, and having friends who knew one's diagnosis were protective. A simple scoring tool incorporating these factors was 82.4% sensitive and 87.6% specific for predicting default in this population. Clinicians and patients described additional contributors to default and suggested locally-relevant intervention targets. Among 89 cases with pulmonary TB, 71% had sputum that was smear positive for TB. Drug resistance was rare. The causes of default from TB treatment were explored through synthesis of qualitative and quantitative data from patients and health professionals. A scoring tool with high sensitivity and specificity to predict default was developed. Prospective evaluation of this tool coupled with targeted interventions based on our findings is warranted. Of note, the risk of TB transmission from patients who default treatment to others is likely to be high. The commonly-feared risk of drug resistance, though, may be low; a larger study is required to confirm these findings.

  1. Treatment Default amongst Patients with Tuberculosis in Urban Morocco: Predicting and Explaining Default and Post-Default Sputum Smear and Drug Susceptibility Results

    Science.gov (United States)

    Ghali, Iraqi; Kizub, Darya; Billioux, Alexander C.; Bennani, Kenza; Bourkadi, Jamal Eddine; Benmamoun, Abderrahmane; Lahlou, Ouafae; Aouad, Rajae El; Dooley, Kelly E.

    2014-01-01

    Setting Public tuberculosis (TB) clinics in urban Morocco. Objective Explore risk factors for TB treatment default and develop a prediction tool. Assess consequences of default, specifically risk for transmission or development of drug resistance. Design Case-control study comparing patients who defaulted from TB treatment and patients who completed it using quantitative methods and open-ended questions. Results were interpreted in light of health professionals’ perspectives from a parallel study. A predictive model and simple tool to identify patients at high risk of default were developed. Sputum from cases with pulmonary TB was collected for smear and drug susceptibility testing. Results 91 cases and 186 controls enrolled. Independent risk factors for default included current smoking, retreatment, work interference with adherence, daily directly observed therapy, side effects, quick symptom resolution, and not knowing one’s treatment duration. Age >50 years, never smoking, and having friends who knew one’s diagnosis were protective. A simple scoring tool incorporating these factors was 82.4% sensitive and 87.6% specific for predicting default in this population. Clinicians and patients described additional contributors to default and suggested locally-relevant intervention targets. Among 89 cases with pulmonary TB, 71% had sputum that was smear positive for TB. Drug resistance was rare. Conclusion The causes of default from TB treatment were explored through synthesis of qualitative and quantitative data from patients and health professionals. A scoring tool with high sensitivity and specificity to predict default was developed. Prospective evaluation of this tool coupled with targeted interventions based on our findings is warranted. Of note, the risk of TB transmission from patients who default treatment to others is likely to be high. The commonly-feared risk of drug resistance, though, may be low; a larger study is required to confirm these findings

  2. The Role of Demand Response in Default Service Pricing

    International Nuclear Information System (INIS)

    Barbose, Galen; Goldman, Charles; Neenan, Bernie

    2006-01-01

    In designing default service for competitive retail markets, demand response has been an afterthought at best. But that may be changing, as states that initiated customer choice in the past five to seven years reach an important juncture in retail market design and consider an RTP-type default service for large commercial and industrial customers. The authors describe the experience to date with RTP as a default service, focusing on its role as an instrument for cultivating price-responsive demand. (author)

  3. Signals analysis of fluxgate array for wire rope defaults

    International Nuclear Information System (INIS)

    Gu Wei; Chu Jianxin

    2005-01-01

    In order to detecting the magnetic leakage fields of the wire rope defaults, a transducer made up of the fluxgate array is designed, and a series of the characteristic values of wire rope defaults signals are defined. By processing the characteristic signals, the LF or LMA of wire rope are distinguished, and the default extent is estimated. The experiment results of the new method for detecting the wire rope faults are introduced

  4. Time of default in tuberculosis patients on directly observed treatment.

    Science.gov (United States)

    Pardeshi, Geeta S

    2010-09-01

    Default remains an important challenge for the Revised National Tuberculosis Control Programme, which has achieved improved cure rates. This study describes the pattern of time of default in patients on DOTS. Tuberculosis Unit in District Tuberculosis Centre, Yavatmal, India; Retrospective cohort study. This analysis was done among the cohort of patients of registered at the Tuberculosis Unit during the year 2004. The time of default was assessed from the tuberculosis register. The sputum smear conversion and treatment outcome were also assessed. Kaplan-Meier plots and log rank tests. Overall, the default rate amongst the 716 patients registered at the Tuberculosis Unit was 10.33%. There was a significant difference in the default rate over time between the three DOTS categories (log rank statistic= 15.49, P=0.0004). Amongst the 331 smear-positive patients, the cumulative default rates at the end of intensive phase were 4% and 16%; while by end of treatment period, the default rates were 6% and 31% in category I and category II, respectively. A majority of the smear-positive patients in category II belonged to the group 'treatment after default' (56/95), and 30% of them defaulted during re-treatment. The sputum smear conversion rate at the end of intensive phase was 84%. Amongst 36 patients without smear conversion at the end of intensive phase, 55% had treatment failure. Patients defaulting in intensive phase of treatment and without smear conversion at the end of intensive phase should be retrieved on a priority basis. Default constitutes not only a major reason for patients needing re-treatment but also a risk for repeated default.

  5. Default Mode Dynamics for Global Functional Integration.

    Science.gov (United States)

    Vatansever, Deniz; Menon, David K; Manktelow, Anne E; Sahakian, Barbara J; Stamatakis, Emmanuel A

    2015-11-18

    The default mode network (DMN) has been traditionally assumed to hinder behavioral performance in externally focused, goal-directed paradigms and to provide no active contribution to human cognition. However, recent evidence suggests greater DMN activity in an array of tasks, especially those that involve self-referential and memory-based processing. Although data that robustly demonstrate a comprehensive functional role for DMN remains relatively scarce, the global workspace framework, which implicates the DMN in global information integration for conscious processing, can potentially provide an explanation for the broad range of higher-order paradigms that report DMN involvement. We used graph theoretical measures to assess the contribution of the DMN to global functional connectivity dynamics in 22 healthy volunteers during an fMRI-based n-back working-memory paradigm with parametric increases in difficulty. Our predominant finding is that brain modularity decreases with greater task demands, thus adapting a more global workspace configuration, in direct relation to increases in reaction times to correct responses. Flexible default mode regions dynamically switch community memberships and display significant changes in their nodal participation coefficient and strength, which may reflect the observed whole-brain changes in functional connectivity architecture. These findings have important implications for our understanding of healthy brain function, as they suggest a central role for the DMN in higher cognitive processing. The default mode network (DMN) has been shown to increase its activity during the absence of external stimulation, and hence was historically assumed to disengage during goal-directed tasks. Recent evidence, however, implicates the DMN in self-referential and memory-based processing. We provide robust evidence for this network's active contribution to working memory by revealing dynamic reconfiguration in its interactions with other networks

  6. Analysis Of Default Passwords In Routers Against Brute-Force Attack

    Directory of Open Access Journals (Sweden)

    Mohammed Farik

    2015-08-01

    Full Text Available Abstract Password authentication is the main means of access control on network routers and router manufacturers provide a default password for initial login to the router. While there has been many publications regarding the minimum requirements of a good password how widely the manufacturers themselves are adhering to the minimum standards and whether these passwords can withstand brute-force attack are not widely known. The novelty of this research is that this is the first time default passwords have been analyzed and documented from such a large variety of router models to reveal password strengths or weaknesses against brute-force attacks. Firstly individual default router password of each model was collected tabulated and tested using password strength meter for entropy. Then descriptive statistical analysis was performed on the tabulated data. The analysis revealed quantitatively how strong or weak default passwords are against brute-force attacks. The results of this research give router security researchers router manufacturers router administrators a useful guide on the strengths and weaknesses of passwords that follow similar patterns.

  7. Default contagion risks in Russian interbank market

    Science.gov (United States)

    Leonidov, A. V.; Rumyantsev, E. L.

    2016-06-01

    Systemic risks of default contagion in the Russian interbank market are investigated. The analysis is based on considering the bow-tie structure of the weighted oriented graph describing the structure of the interbank loans. A probabilistic model of interbank contagion explicitly taking into account the empirical bow-tie structure reflecting functionality of the corresponding nodes (borrowers, lenders, borrowers and lenders simultaneously), degree distributions and disassortativity of the interbank network under consideration based on empirical data is developed. The characteristics of contagion-related systemic risk calculated with this model are shown to be in agreement with those of explicit stress tests.

  8. Default Drug Doses in Anesthesia Information Management Systems.

    Science.gov (United States)

    Rodriquez, Luis I; Smaka, Todd J; Mahla, Michael; Epstein, Richard H

    2017-07-01

    In the United States, anesthesia information management systems (AIMS) are well established, especially within academic practices. Many hospitals are replacing their stand-alone AIMS during migration to an enterprise-wide electronic health record. This presents an opportunity to review choices made during the original implementation, based on actual usage. One area amenable to this informatics approach is the configuration in the AIMS of quick buttons for typical drug doses. The use of such short cuts, as opposed to manual typing of doses, simplifies and may improve the accuracy of drug documentation within the AIMS. We analyzed administration data from 3 different institutions, 2 of which had empirically configured default doses, and one in which defaults had not been set up. Our first hypothesis was that most (ie, >50%) of drugs would need at least one change to the existing defaults. Our second hypothesis was that for most (>50%) drugs, the 4 most common doses at the site lacking defaults would be included among the most common doses at the 2 sites with defaults. If true, this would suggest that having default doses did not affect the typical administration behavior of providers. The frequency distribution of doses for all drugs was determined, and the 4 most common doses representing at least 5% of total administrations for each drug were identified. The appropriateness of the current defaults was determined by the number of changes (0-4) required to match actual usage at the 2 hospitals with defaults. At the institution without defaults, the most frequent doses for the 20 most commonly administered drugs were compared with the default doses at the other institutions. At the 2 institutions with defaults, 84.7% and 77.5% of drugs required at least 1 change in the default drug doses (P default drug doses, 100% of the 20 most commonly administered doses (representing ≥5% of use for that drug) were included in the most commonly administered doses at the other 2

  9. Default network connectivity in medial temporal lobe amnesia.

    Science.gov (United States)

    Hayes, Scott M; Salat, David H; Verfaellie, Mieke

    2012-10-17

    There is substantial overlap between the brain regions supporting episodic memory and the default network. However, in humans, the impact of bilateral medial temporal lobe (MTL) damage on a large-scale neural network such as the default mode network is unknown. To examine this issue, resting fMRI was performed with amnesic patients and control participants. Seed-based functional connectivity analyses revealed robust default network connectivity in amnesia in cortical default network regions such as medial prefrontal cortex, posterior medial cortex, and lateral parietal cortex, as well as evidence of connectivity to residual MTL tissue. Relative to control participants, decreased posterior cingulate cortex connectivity to MTL and increased connectivity to cortical default network regions including lateral parietal and medial prefrontal cortex were observed in amnesic patients. In contrast, somatomotor network connectivity was intact in amnesic patients, indicating that bilateral MTL lesions may selectively impact the default network. Changes in default network connectivity in amnesia were largely restricted to the MTL subsystem, providing preliminary support from MTL amnesic patients that the default network can be fractionated into functionally and structurally distinct components. To our knowledge, this is the first examination of the default network in amnesia.

  10. Default, non-default, markedness and complexity in the L2 English ...

    African Journals Online (AJOL)

    Parameter setting to non-default proceeds from subset to superset languages. In syllable structure and using tree notation, development implies the introduction of marked structure, with structural complexity. The second half of the paper focuses on second language acquisition, where parameters (can) undergo re-setting.

  11. Post-natal exposure to corticosterone affects standard metabolic rate in the zebra finch (Taeniopygia guttata).

    Science.gov (United States)

    Spencer, K A; Verhulst, S

    2008-01-01

    Post-natal stress has been shown to have important short and long term effects on many adult traits in birds. During stress, metabolic alterations often result in the mobilization of energy away from energy-sensitive functions such as growth, which could have significant implications for developing animals. However, little is known about the implications of stress hormones for energy consumption in growing individuals. We experimentally increased corticosterone (CORT) levels in nestling zebra finches via oral administration, between the ages of 7 and 18 days. The standard metabolic rate (SMR) of birds was measured twice overnight when birds were between 11-13 and 55-65 days of age. Developmental CORT administration significantly elevated overnight variability in SMR (sd) in nestling birds (during the treatment period), but not at 55-65 days (5-6 weeks after the treatment period). The effect on variability was seen more prominently in birds from larger brood sizes and in females. We found no effects of our treatments on mean SMR overnight. However, brood size and sex had interactive effects, with males from larger brood sizes having higher SMR at 55-65 days of age. These results suggest that stress hormones can have significant effects on energy metabolism and possibly nocturnal arousal and sleep fragmentation. However, there were no detectable long term effects of our treatments on SMR, suggesting that these effects are only short-lived, in order to maintain homeostasis in the short term.

  12. British Standard method for determination of ISO speed and average gradient of direct-exposure medical and dental radiographic film/process combinations

    International Nuclear Information System (INIS)

    1983-01-01

    Under the direction of the Cinematography and Photography Standards Committee, a British Standard method has been prepared for determining ISO speed and average gradient of direct-exposure medical and dental radiographic film/film-process combinations. The method determines the speed and gradient, i.e. contrast, of the X-ray films processed according to their manufacturer's recommendations. (U.K.)

  13. Achieving an adequate balance between the level of complexity, objectivity and comparability which is required within the capital framework: credit ratings and the Standardized Approach (SA-CCR) for measuring Exposure at Default (EAD) for Counter-Party Credit Risk

    OpenAIRE

    Ojo, Marianne

    2014-01-01

    Credit ratings have assumed an increasingly formidable and important role over the years. An increased role and revisions to its foundations, have been triggered, not only in view of the shortcomings of credit ratings based criteria, as revealed through the recent Financial Crisis, but also the need to update Basel II - which has served as the foundation for credit ratings in several jurisdictions. Credit ratings serve various vital purposes, most notably of which include the determination of...

  14. The Big Five default brain: functional evidence.

    Science.gov (United States)

    Sampaio, Adriana; Soares, José Miguel; Coutinho, Joana; Sousa, Nuno; Gonçalves, Óscar F

    2014-11-01

    Recent neuroimaging studies have provided evidence that different dimensions of human personality may be associated with specific structural neuroanatomic correlates. Identifying brain correlates of a situation-independent personality structure would require evidence of a stable default mode of brain functioning. In this study, we investigated the correlates of the Big Five personality dimensions (Extraversion, Neuroticism, Openness/Intellect, Agreeableness, and Conscientiousness) and the default mode network (DMN). Forty-nine healthy adults completed the NEO-Five Factor. The results showed that the Extraversion (E) and Agreeableness (A) were positively correlated with activity in the midline core of the DMN, whereas Neuroticism (N), Openness (O), and Conscientiousness (C) were correlated with the parietal cortex system. Activity of the anterior cingulate cortex was positively associated with A and negatively with C. Regions of the parietal lobe were differentially associated with each personality dimension. The present study not only confirms previous functional correlates regarding the Big Five personality dimensions, but it also expands our knowledge showing the association between different personality dimensions and specific patterns of brain activation at rest.

  15. A default Bayesian hypothesis test for mediation.

    Science.gov (United States)

    Nuijten, Michèle B; Wetzels, Ruud; Matzke, Dora; Dolan, Conor V; Wagenmakers, Eric-Jan

    2015-03-01

    In order to quantify the relationship between multiple variables, researchers often carry out a mediation analysis. In such an analysis, a mediator (e.g., knowledge of a healthy diet) transmits the effect from an independent variable (e.g., classroom instruction on a healthy diet) to a dependent variable (e.g., consumption of fruits and vegetables). Almost all mediation analyses in psychology use frequentist estimation and hypothesis-testing techniques. A recent exception is Yuan and MacKinnon (Psychological Methods, 14, 301-322, 2009), who outlined a Bayesian parameter estimation procedure for mediation analysis. Here we complete the Bayesian alternative to frequentist mediation analysis by specifying a default Bayesian hypothesis test based on the Jeffreys-Zellner-Siow approach. We further extend this default Bayesian test by allowing a comparison to directional or one-sided alternatives, using Markov chain Monte Carlo techniques implemented in JAGS. All Bayesian tests are implemented in the R package BayesMed (Nuijten, Wetzels, Matzke, Dolan, & Wagenmakers, 2014).

  16. 75 FR 26904 - Mandatory Reporting of Greenhouse Gases: Notice of Data Availability; Default Emission Factors...

    Science.gov (United States)

    2010-05-13

    ... Reporting of Greenhouse Gases: Notice of Data Availability; Default Emission Factors for Semiconductor... the public draft default emission factors for semiconductor manufacturing refined process categories... reporting, EPA proposed semiconductor manufacturers estimate emissions using default emission factors for...

  17. Presentation and materno-foetal outcome in defaulters of obstetric ...

    African Journals Online (AJOL)

    Background: Obstetric procedures are carried out to reduce or completely eliminate maternal and perinatal morbidities and mortalities. Objectives: is to determine the mode of presentation and materno-foctal outcome in defaulters of obstetric procedures, the reasons for defaulting the obstetric procedurcs and to institute ...

  18. Factors Associated With Defaulting In Tuberculosis Treatment In ...

    African Journals Online (AJOL)

    Among all the defaulters successfully traced, half of them were found dead. Most of the treatment interruption occurred during the second and third moths of ... of treatment interruption in TB patients is highly recommended in the study area. Key words: Tuberculosis ;Treatment interruption (defaulting) ;Awi Zone; Ethiopia.

  19. 29 CFR 2570.114 - Consequences of default.

    Science.gov (United States)

    2010-07-01

    ... 29 Labor 9 2010-07-01 2010-07-01 false Consequences of default. 2570.114 Section 2570.114 Labor Regulations Relating to Labor (Continued) EMPLOYEE BENEFITS SECURITY ADMINISTRATION, DEPARTMENT OF LABOR... ERISA Section 502(c)(6) § 2570.114 Consequences of default. For 502(c)(6) civil penalty proceedings...

  20. 25 CFR 101.15 - Penalties on default.

    Science.gov (United States)

    2010-04-01

    ... 25 Indians 1 2010-04-01 2010-04-01 false Penalties on default. 101.15 Section 101.15 Indians BUREAU OF INDIAN AFFAIRS, DEPARTMENT OF THE INTERIOR FINANCIAL ACTIVITIES LOANS TO INDIANS FROM THE REVOLVING LOAN FUND § 101.15 Penalties on default. Unless otherwise provided in the loan agreement between...

  1. 29 CFR 2570.94 - Consequences of default.

    Science.gov (United States)

    2010-07-01

    ... 29 Labor 9 2010-07-01 2010-07-01 false Consequences of default. 2570.94 Section 2570.94 Labor Regulations Relating to Labor (Continued) EMPLOYEE BENEFITS SECURITY ADMINISTRATION, DEPARTMENT OF LABOR... ERISA Section 502(c)(5) § 2570.94 Consequences of default. For 502(c)(5) civil penalty proceedings, this...

  2. 29 CFR 2570.64 - Consequences of default.

    Science.gov (United States)

    2010-07-01

    ... 29 Labor 9 2010-07-01 2010-07-01 false Consequences of default. 2570.64 Section 2570.64 Labor Regulations Relating to Labor (Continued) EMPLOYEE BENEFITS SECURITY ADMINISTRATION, DEPARTMENT OF LABOR... ERISA Section 502(c)(2) § 2570.64 Consequences of default. For 502(c)(2) civil penalty proceedings, this...

  3. 49 CFR 31.10 - Default upon failure to answer.

    Science.gov (United States)

    2010-10-01

    ... 49 Transportation 1 2010-10-01 2010-10-01 false Default upon failure to answer. 31.10 Section 31.10 Transportation Office of the Secretary of Transportation PROGRAM FRAUD CIVIL REMEDIES § 31.10 Default upon failure to answer. (a) If the defendant does not answer within the time prescribed in § 31.9...

  4. An Empirical Comparison of Default Swap Pricing Models

    NARCIS (Netherlands)

    P. Houweling (Patrick); A.C.F. Vorst (Ton)

    2002-01-01

    textabstractAbstract: In this paper we compare market prices of credit default swaps with model prices. We show that a simple reduced form model with a constant recovery rate outperforms the market practice of directly comparing bonds' credit spreads to default swap premiums. We find that the

  5. Are Student Loan Default Rates Linked to Institutional Capacity?

    Science.gov (United States)

    Ishitani, Terry T.; McKitrick, Sean A.

    2016-01-01

    As more undergraduates have taken out loans to attend college, the number of borrowers who fail to repay their student loans has increased. While previous research has focused on students' likelihood to default, this study employed institutional cohort default rates (CDRs) as an outcome variable. Using Integrated Postsecondary Education Data…

  6. Partitioning Default Effects: Why People Choose Not to Choose

    Science.gov (United States)

    Dinner, Isaac; Johnson, Eric J.; Goldstein, Daniel G.; Liu, Kaiya

    2011-01-01

    Default options exert an influence in areas as varied as retirement program design, organ donation policy, and consumer choice. Past research has offered potential reasons why no-action defaults matter: (a) effort, (b) implied endorsement, and (c) reference dependence. The first two of these explanations have been experimentally demonstrated, but…

  7. Cohort Default Rates: Predicting the Probability of Federal Sanctions

    Science.gov (United States)

    Hillman, Nicholas W.

    2015-01-01

    This study examines the institutional factors associated with student loan default. When a college has more than 30% of its students default on their loans, then the institution faces federal sanctions that could make them ineligible from participating in the federal student loan program. Using Integrated Postsecondary Education Data System…

  8. Re-Setting Music Education's "Default Settings"

    Science.gov (United States)

    Regelski, Thomas A.

    2013-01-01

    This paper explores the effects and problems of one highly influential default setting of the "normal style template" of music education and proposes some alternatives. These do not require abandoning all traditional templates for school music. But re-setting the default settings does depend on reconsidering the promised function of…

  9. 29 CFR 2570.134 - Consequences of default.

    Science.gov (United States)

    2010-07-01

    ... 29 Labor 9 2010-07-01 2010-07-01 false Consequences of default. 2570.134 Section 2570.134 Labor Regulations Relating to Labor (Continued) EMPLOYEE BENEFITS SECURITY ADMINISTRATION, DEPARTMENT OF LABOR... ERISA Section 502(c)(7) § 2570.134 Consequences of default. For 502(c)(7) civil penalty proceedings...

  10. College on Credit: A Multilevel Analysis of Student Loan Default

    Science.gov (United States)

    Hillman, Nicholas W.

    2014-01-01

    This study updates and expands the literature on student loan default. By applying multilevel regression to the Beginning Postsecondary Students survey, four key findings emerge. First, attending proprietary institutions is strongly associated with default, even after accounting for students' socioeconomic and academic backgrounds. Second,…

  11. In Good Standing: "Helping Colleges Manage Student Default Rates"

    Science.gov (United States)

    Boerner, Heather

    2014-01-01

    The U.S. Department of Education estimates that 20 percent of community college students default on their student loan obligations (compared with 14.7 percent of all student loan borrowers), and that number is rising. What can community college financial officers do to keep their default numbers low? In this article, Heather Boerner describes the…

  12. 29 CFR 2570.164 - Consequences of default.

    Science.gov (United States)

    2010-07-01

    ... 29 Labor 9 2010-07-01 2010-07-01 false Consequences of default. 2570.164 Section 2570.164 Labor Regulations Relating to Labor (Continued) EMPLOYEE BENEFITS SECURITY ADMINISTRATION, DEPARTMENT OF LABOR... ERISA Section 502(c)(8) § 2570.164 Consequences of default. For 502(c)(8) civil penalty proceedings...

  13. Protecting Colleges and Students: Community College Strategies to Prevent Default

    Science.gov (United States)

    McKibben, Bryce; La Rocque, Matthew; Cochrane, Debbie

    2014-01-01

    Student loan default, defined as federal loan borrowers' failure to make any payments for at least 270 days, is an issue of increasing importance to community colleges and their students. This report takes a unique look at student loan default at nine community colleges across the nation, and how those colleges are working to help students avoid…

  14. Draft Cohort Default Rate Review Guide, FY 1996.

    Science.gov (United States)

    Department of Education, Washington, DC. Default Management Div.

    This guide provides information to help postsecondary schools and guaranty agencies (GAs) understand how a cohort default rate is calculated, review backup data, submit challenges to GAs and/or Direct Loan Servicing Centers (DLSC), and understand the response from the GA and/or DLSC. A cohort default rate includes Federal Family Education Loan…

  15. 7 CFR 1779.75 - Defaults by borrower.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 12 2010-01-01 2010-01-01 false Defaults by borrower. 1779.75 Section 1779.75 Agriculture Regulations of the Department of Agriculture (Continued) RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE (CONTINUED) WATER AND WASTE DISPOSAL PROGRAMS GUARANTEED LOANS § 1779.75 Defaults by borrower. (a...

  16. Student Borrowing in America: Metrics, Demographics, Default Aversion Strategies

    Science.gov (United States)

    Kesterman, Frank

    2006-01-01

    The use of Cohort Default Rate (CDR) as the primary measure of student loan defaults among undergraduates was investigated. The study used data extracted from the National Student Loan Data System (NSLDS), quantitative analysis of Likert-scale survey responses from 153 student financial aid professionals on proposed changes to present metrics and…

  17. Parametric modeling of probability of bank loan default in Kenya ...

    African Journals Online (AJOL)

    This makes the study on probability of a customer defaulting very useful while analyzing the credit risk policies. In this paper, we use a raw data set that contains demographic information about the borrowers. The data sets have been used to identify which risk factors associated with the borrowers contribute towards default.

  18. Analysis of Default Risk of Agricultural Loan by Some Selected ...

    African Journals Online (AJOL)

    ... to reduce default rate and loan diversions since members can serve as watch dog to each other. Banks should also prevent unnecessary delay in loan disbursement to allow for timely use of the loan. Banks should also explore the Agricultural credit guarantee scheme (ACGS) to offset part of the risk in case of default.

  19. Incorporating Employee Heterogeneity into Default Rules for Retirement Plan Selection

    Science.gov (United States)

    Goda, Gopi Shah; Manchester, Colleen Flaherty

    2013-01-01

    We study the effect of incorporating heterogeneity into default rules by examining the choice between retirement plans at a firm that transitioned from a defined benefit (DB) to a defined contribution (DC) plan. The default plan for existing employees varied discontinuously depending on their age. Employing regression discontinuity techniques,…

  20. Default mode of brain function in monkeys.

    Science.gov (United States)

    Mantini, Dante; Gerits, Annelis; Nelissen, Koen; Durand, Jean-Baptiste; Joly, Olivier; Simone, Luciano; Sawamura, Hiromasa; Wardak, Claire; Orban, Guy A; Buckner, Randy L; Vanduffel, Wim

    2011-09-07

    Human neuroimaging has revealed a specific network of brain regions-the default-mode network (DMN)-that reduces its activity during goal-directed behavior. So far, evidence for a similar network in monkeys is mainly indirect, since, except for one positron emission tomography study, it is all based on functional connectivity analysis rather than activity increases during passive task states. Here, we tested whether a consistent DMN exists in monkeys using its defining property. We performed a meta-analysis of functional magnetic resonance imaging data collected in 10 awake monkeys to reveal areas in which activity consistently decreases when task demands shift from passive tasks to externally oriented processing. We observed task-related spatially specific deactivations across 15 experiments, implying in the monkey a functional equivalent of the human DMN. We revealed by resting-state connectivity that prefrontal and medial parietal regions, including areas 9/46d and 31, respectively, constitute the DMN core, being functionally connected to all other DMN areas. We also detected two distinct subsystems composed of DMN areas with stronger functional connections between each other. These clusters included areas 24/32, 8b, and TPOC and areas 23, v23, and PGm, respectively. Such a pattern of functional connectivity largely fits, but is not completely consistent with anatomical tract tracing data in monkeys. Also, analysis of afferent and efferent connections between DMN areas suggests a multisynaptic network structure. Like humans, monkeys increase activity during passive epochs in heteromodal and limbic association regions, suggesting that they also default to internal modes of processing when not actively interacting with the environment.

  1. Sovereign Default Analysis through Extreme Events Identification

    Directory of Open Access Journals (Sweden)

    Vasile George MARICA

    2015-06-01

    Full Text Available This paper investigates contagion in international credit markets through the use of a novel jump detection technique proposed by Chan and Maheuin (2002. This econometrical methodology is preferred because it is non-linear by definition and not a subject to volatility bias. Also, the identified jumps in CDS premiums are considered as outliers positioned beyond any stochastic movement that can and is already modelled through well-known linear analysis. Though contagion is hard to define, we show that extreme discrete movements in default probabilities inferred from CDS premiums can lead to sound economic conclusions about the risk profile of sovereign nations in international bond markets. We find evidence of investor sentiment clustering for countries with unstable political regimes or that are engaged in armed conflict. Countries that have in their recent history faced currency or financial crises are less vulnerable to external unexpected shocks. First we present a brief history of sovereign defaults with an emphasis on their increased frequency and geographical reach, as financial markets become more and more integrated. We then pass to a literature review of the most important definitions for contagion, and discuss what quantitative methods are available to detect the presence of contagion. The paper continues with the details for the methodology of jump detection through non-linear modelling and its use in the field of contagion identification. In the last sections we present the estimation results for simultaneous jumps between emerging markets CDS and draw conclusions on the difference of behavior in times of extreme movement versus tranquil periods.

  2. Risks and pecularities of the default situations in bank-consumer relationship: A case study

    Directory of Open Access Journals (Sweden)

    Hlako Choma

    2016-08-01

    Full Text Available Kubyana and Standard Bank of South Africa, this matter was brought before the North Gauteng High Court sitting in Pretoria, South Africa. The issue to be determine by the Court was to look at the steps that the credit provider ought to take in order to ensure that a notice, notifying the debtor about his/her debt reaches him/her as a consumer before such notice could commence court litigation. This can only happen, in the circumstances where he/she (the defaulter/consumer failed to comply with his/her obligation. The North Gauteng High Court was required to decide the legal requirements that may be brought in to satisfy the court on preponderance of evidence that the credit provider has satisfied the court that the defaulter or consumer received such notice

  3. Default risk modeling with position-dependent killing

    Science.gov (United States)

    Katz, Yuri A.

    2013-04-01

    Diffusion in a linear potential in the presence of position-dependent killing is used to mimic a default process. Different assumptions regarding transport coefficients, initial conditions, and elasticity of the killing measure lead to diverse models of bankruptcy. One “stylized fact” is fundamental for our consideration: empirically default is a rather rare event, especially in the investment grade categories of credit ratings. Hence, the action of killing may be considered as a small parameter. In a number of special cases we derive closed-form expressions for the entire term structure of the cumulative probability of default, its hazard rate, and intensity. Comparison with historical data on aggregate global corporate defaults confirms the validity of the perturbation method for estimations of long-term probability of default for companies with high credit quality. On a single company level, we implement the derived formulas to estimate the one-year likelihood of default of Enron on a daily basis from August 2000 to August 2001, three months before its default, and compare the obtained results with forecasts of traditional structural models.

  4. The maturing architecture of the brain's default network.

    Science.gov (United States)

    Fair, Damien A; Cohen, Alexander L; Dosenbach, Nico U F; Church, Jessica A; Miezin, Francis M; Barch, Deanna M; Raichle, Marcus E; Petersen, Steven E; Schlaggar, Bradley L

    2008-03-11

    In recent years, the brain's "default network," a set of regions characterized by decreased neural activity during goal-oriented tasks, has generated a significant amount of interest, as well as controversy. Much of the discussion has focused on the relationship of these regions to a "default mode" of brain function. In early studies, investigators suggested that, the brain's default mode supports "self-referential" or "introspective" mental activity. Subsequently, regions of the default network have been more specifically related to the "internal narrative," the "autobiographical self," "stimulus independent thought," "mentalizing," and most recently "self-projection." However, the extant literature on the function of the default network is limited to adults, i.e., after the system has reached maturity. We hypothesized that further insight into the network's functioning could be achieved by characterizing its development. In the current study, we used resting-state functional connectivity MRI (rs-fcMRI) to characterize the development of the brain's default network. We found that the default regions are only sparsely functionally connected at early school age (7-9 years old); over development, these regions integrate into a cohesive, interconnected network.

  5. Relation of structure to function for the US reference standard endotoxin after exposure to 60Co radiation

    International Nuclear Information System (INIS)

    Csako, G.; Suba, E.A.; Ahlgren, A.; Tsai, C.M.; Elin, R.J.

    1986-01-01

    The structure and function of the highly purified US reference standard endotoxin (RSE) were studied after exposure to ionizing radiation from a 60 Co source. With increasing doses of radiation, the trilaminar ribbon-like structure of untreated endotoxin exhibited focal swelling, after which only spherical particles were seen by electron microscopy. These morphological changes were paralleled by the respective loss of O-side chain repeating units and pieces of the R-core from the lipopolysaccharide molecules, as demonstrated by electrophoresis. The biologic function of the irradiated endotoxin was assessed with a variety of tests. At higher doses of radiation, a direct relation was observed between the degradation of the molecular and supramolecular structure and the loss of biologic function. At lower doses of radiation, however, there was variability among the functional assays in their rate of change with progressive irradiation of the RSE. The results suggest that the carbohydrate moiety plays an important role both in determining the supramolecular structure and in modulating certain biologic activities of bacterial endotoxins

  6. Additive Intensity Regression Models in Corporate Default Analysis

    DEFF Research Database (Denmark)

    Lando, David; Medhat, Mamdouh; Nielsen, Mads Stenbo

    2013-01-01

    We consider additive intensity (Aalen) models as an alternative to the multiplicative intensity (Cox) models for analyzing the default risk of a sample of rated, nonfinancial U.S. firms. The setting allows for estimating and testing the significance of time-varying effects. We use a variety...... of model checking techniques to identify misspecifications. In our final model, we find evidence of time-variation in the effects of distance-to-default and short-to-long term debt. Also we identify interactions between distance-to-default and other covariates, and the quick ratio covariate is significant....... None of our macroeconomic covariates are significant....

  7. 7 CFR 1980.470 - Defaults by borrower.

    Science.gov (United States)

    2010-01-01

    ...) PROGRAM REGULATIONS (CONTINUED) GENERAL Business and Industrial Loan Program § 1980.470 Defaults by... explanation of the loan history, an evaluation and scope of the proposed study and the need should be included...

  8. Local Risk-Minimization for Defaultable Claims with Recovery Process

    International Nuclear Information System (INIS)

    Biagini, Francesca; Cretarola, Alessandra

    2012-01-01

    We study the local risk-minimization approach for defaultable claims with random recovery at default time, seen as payment streams on the random interval [0,τ∧T], where T denotes the fixed time-horizon. We find the pseudo-locally risk-minimizing strategy in the case when the agent information takes into account the possibility of a default event (local risk-minimization with G-strategies) and we provide an application in the case of a corporate bond. We also discuss the problem of finding a pseudo-locally risk-minimizing strategy if we suppose the agent obtains her information only by observing the non-defaultable assets.

  9. Morality constrains the default representation of what is possible.

    Science.gov (United States)

    Phillips, Jonathan; Cushman, Fiery

    2017-05-02

    The capacity for representing and reasoning over sets of possibilities, or modal cognition, supports diverse kinds of high-level judgments: causal reasoning, moral judgment, language comprehension, and more. Prior research on modal cognition asks how humans explicitly and deliberatively reason about what is possible but has not investigated whether or how people have a default, implicit representation of which events are possible. We present three studies that characterize the role of implicit representations of possibility in cognition. Collectively, these studies differentiate explicit reasoning about possibilities from default implicit representations, demonstrate that human adults often default to treating immoral and irrational events as impossible, and provide a case study of high-level cognitive judgments relying on default implicit representations of possibility rather than explicit deliberation.

  10. Contract Award Decisions Resulting in Contract Termination for Default

    National Research Council Canada - National Science Library

    1996-01-01

    .... Specifically, the audit focused on contracts terminated either for default or convenience and determined whether the contract terminations could have been averted based on information available before contract award...

  11. A new estimation technique of sovereign default risk

    Directory of Open Access Journals (Sweden)

    Mehmet Ali Soytaş

    2016-12-01

    Full Text Available Using the fixed-point theorem, sovereign default models are solved by numerical value function iteration and calibration methods, which due to their computational constraints, greatly limits the models' quantitative performance and foregoes its country-specific quantitative projection ability. By applying the Hotz-Miller estimation technique (Hotz and Miller, 1993- often used in applied microeconometrics literature- to dynamic general equilibrium models of sovereign default, one can estimate the ex-ante default probability of economies, given the structural parameter values obtained from country-specific business-cycle statistics and relevant literature. Thus, with this technique we offer an alternative solution method to dynamic general equilibrium models of sovereign default to improve upon their quantitative inference ability.

  12. Interbank lending, network structure and default risk contagion

    Science.gov (United States)

    Zhang, Minghui; He, Jianmin; Li, Shouwei

    2018-03-01

    This paper studies the default risk contagion in banking systems based on a dynamic network model with two different kinds of lenders' selecting mechanisms, namely, endogenous selecting (ES) and random selecting (RS). From sensitivity analysis, we find that higher risk premium, lower initial proportion of net assets, higher liquid assets threshold, larger size of liquidity shocks, higher proportion of the initial investments and higher Central Bank interest rates all lead to severer default risk contagion. Moreover, the autocorrelation of deposits and lenders' selecting probability have non-monotonic effects on the default risk contagion, and the effects differ under two mechanisms. Generally, the default risk contagion is much severer under RS mechanism than that of ES, because the multi-money-center structure generated by ES mechanism enables borrowers to borrow from more liquid banks with lower interest rates.

  13. Association Between Prenatal Valproate Exposure and Performance on Standardized Language and Mathematics Tests in School-aged Children.

    Science.gov (United States)

    Elkjær, Lars Skou; Bech, Bodil Hammer; Sun, Yuelian; Laursen, Thomas Munk; Christensen, Jakob

    2018-02-19

    Valproate sodium is used for the treatment of epilepsy and other neuropsychiatric disorders in women of childbearing potential. However, there are concerns about impaired cognitive development in children who have been exposed to valproate during pregnancy. To estimate the association between long-term school performance and prenatal exposure to valproate and a number of other antiepileptic drugs (AEDs). In a prospective, population-based cohort study conducted from August 1, 2015, to May 31, 2017, data used in the study were provided by Statistics Denmark on April 15, 2016. All children born alive in Denmark between 1997 and 2006 (n = 656 496) were identified. From this cohort, children who did not participate in the national tests, with presumed coding errors in gestational age and children missing information on their mother's educational level or household income were excluded (n = 177 469) leaving 479 027 children for the analyses. Children were identified and linked across national registers that had information on exposure, covariates, and outcome. The primary outcome was performance in national tests, an academic test taken by students in Danish primary and lower secondary state schools. We assessed performance in Danish and mathematics at different grades among valproate-exposed children and compared their performance with that of unexposed children and children exposed to another AED (lamotrigine). Test scores were standardized to z scores and adjusted for risk factors. Difference in standardized z scores in Danish and mathematics tests among valproate-exposed children compared with unexposed and lamotrigine-exposed children. Of the 656 496 children identified, 479 027 children who participated in the national tests were evaluated, including children exposed to the following AEDs in monotherapy: valproate, 253; phenobarbital, 86; oxcarbazepine, 236; lamotrigine, 396; clonazepam, 188; and carbamazepine, 294. The mean (SD) age of the 244 095

  14. A Simplified 4-Site Economical Intradermal Post-Exposure Rabies Vaccine Regimen: A Randomised Controlled Comparison with Standard Methods

    Science.gov (United States)

    Warrell, Mary J.; Riddell, Anna; Yu, Ly-Mee; Phipps, Judith; Diggle, Linda; Bourhy, Hervé; Deeks, Jonathan J.; Fooks, Anthony R.; Audry, Laurent; Brookes, Sharon M.; Meslin, François-Xavier; Moxon, Richard; Pollard, Andrew J.; Warrell, David A.

    2008-01-01

    Background The need for economical rabies post-exposure prophylaxis (PEP) is increasing in developing countries. Implementation of the two currently approved economical intradermal (ID) vaccine regimens is restricted due to confusion over different vaccines, regimens and dosages, lack of confidence in intradermal technique, and pharmaceutical regulations. We therefore compared a simplified 4-site economical PEP regimen with standard methods. Methods Two hundred and fifty-four volunteers were randomly allocated to a single blind controlled trial. Each received purified vero cell rabies vaccine by one of four PEP regimens: the currently accepted 2-site ID; the 8-site regimen using 0.05 ml per ID site; a new 4-site ID regimen (on day 0, approximately 0.1 ml at 4 ID sites, using the whole 0.5 ml ampoule of vaccine; on day 7, 0.1 ml ID at 2 sites and at one site on days 28 and 90); or the standard 5-dose intramuscular regimen. All ID regimens required the same total amount of vaccine, 60% less than the intramuscular method. Neutralising antibody responses were measured five times over a year in 229 people, for whom complete data were available. Findings All ID regimens showed similar immunogenicity. The intramuscular regimen gave the lowest geometric mean antibody titres. Using the rapid fluorescent focus inhibition test, some sera had unexpectedly high antibody levels that were not attributable to previous vaccination. The results were confirmed using the fluorescent antibody virus neutralisation method. Conclusions This 4-site PEP regimen proved as immunogenic as current regimens, and has the advantages of requiring fewer clinic visits, being more practicable, and having a wider margin of safety, especially in inexperienced hands, than the 2-site regimen. It is more convenient than the 8-site method, and can be used economically with vaccines formulated in 1.0 or 0.5 ml ampoules. The 4-site regimen now meets all requirements of immunogenicity for PEP and can be

  15. A simplified 4-site economical intradermal post-exposure rabies vaccine regimen: a randomised controlled comparison with standard methods.

    Directory of Open Access Journals (Sweden)

    Mary J Warrell

    2008-04-01

    Full Text Available The need for economical rabies post-exposure prophylaxis (PEP is increasing in developing countries. Implementation of the two currently approved economical intradermal (ID vaccine regimens is restricted due to confusion over different vaccines, regimens and dosages, lack of confidence in intradermal technique, and pharmaceutical regulations. We therefore compared a simplified 4-site economical PEP regimen with standard methods.Two hundred and fifty-four volunteers were randomly allocated to a single blind controlled trial. Each received purified vero cell rabies vaccine by one of four PEP regimens: the currently accepted 2-site ID; the 8-site regimen using 0.05 ml per ID site; a new 4-site ID regimen (on day 0, approximately 0.1 ml at 4 ID sites, using the whole 0.5 ml ampoule of vaccine; on day 7, 0.1 ml ID at 2 sites and at one site on days 28 and 90; or the standard 5-dose intramuscular regimen. All ID regimens required the same total amount of vaccine, 60% less than the intramuscular method. Neutralising antibody responses were measured five times over a year in 229 people, for whom complete data were available.All ID regimens showed similar immunogenicity. The intramuscular regimen gave the lowest geometric mean antibody titres. Using the rapid fluorescent focus inhibition test, some sera had unexpectedly high antibody levels that were not attributable to previous vaccination. The results were confirmed using the fluorescent antibody virus neutralisation method.This 4-site PEP regimen proved as immunogenic as current regimens, and has the advantages of requiring fewer clinic visits, being more practicable, and having a wider margin of safety, especially in inexperienced hands, than the 2-site regimen. It is more convenient than the 8-site method, and can be used economically with vaccines formulated in 1.0 or 0.5 ml ampoules. The 4-site regimen now meets all requirements of immunogenicity for PEP and can be introduced without further

  16. Default network connectivity during a working memory task.

    Science.gov (United States)

    Bluhm, Robyn L; Clark, C Richard; McFarlane, Alexander C; Moores, Kathryn A; Shaw, Marnie E; Lanius, Ruth A

    2011-07-01

    The default network exhibits correlated activity at rest and has shown decreased activation during performance of cognitive tasks. There has been little investigation of changes in connectivity of this network during task performance. In this study, we examined task-related modulation of connectivity between two seed regions from the default network posterior cingulated cortex (PCC) and medial prefrontal cortex (mPFC) and the rest of the brain in 12 healthy adults. The purpose was to determine (1) whether connectivity within the default network differs between a resting state and performance of a cognitive (working memory) task and (2) whether connectivity differs between these nodes of the default network and other brain regions, particularly those implicated in cognitive tasks. There was little change in connectivity with the other main areas of the default network for either seed region, but moderate task-related changes in connectivity occurred between seed regions and regions outside the default network. For example, connectivity of the mPFC with the right insula and the right superior frontal gyrus decreased during task performance. Increased connectivity during the working memory task occurred between the PCC and bilateral inferior frontal gyri, and between the mPFC and the left inferior frontal gyrus, cuneus, superior parietal lobule, middle temporal gyrus and cerebellum. Overall, the areas showing greater correlation with the default network seed regions during task than at rest have been previously implicated in working memory tasks. These changes may reflect a decrease in the negative correlations occurring between the default and task-positive networks at rest. Copyright © 2010 Wiley-Liss, Inc.

  17. Correlation Structures of Correlated Binomial Models and Implied Default Distribution

    OpenAIRE

    S. Mori; K. Kitsukawa; M. Hisakado

    2006-01-01

    We show how to analyze and interpret the correlation structures, the conditional expectation values and correlation coefficients of exchangeable Bernoulli random variables. We study implied default distributions for the iTraxx-CJ tranches and some popular probabilistic models, including the Gaussian copula model, Beta binomial distribution model and long-range Ising model. We interpret the differences in their profiles in terms of the correlation structures. The implied default distribution h...

  18. Connectivity Gradients Between the Default Mode and Attention Control Networks

    Science.gov (United States)

    Ferguson, Michael A.; Lopez-Larson, Melissa; Yurgelun-Todd, Deborah

    2011-01-01

    Abstract Functional imaging studies have shown reduced activity within the default mode network during attention-demanding tasks. The network circuitry underlying this suppression remains unclear. Proposed hypotheses include an attentional switch in the right anterior insula and reciprocal inhibition between the default mode and attention control networks. We analyzed resting state blood oxygen level dependent (BOLD) data from 1278 subjects from 26 sites and constructed whole-brain maps of functional connectivity between 7266 regions of interest (ROIs) covering the gray matter at ∼5 mm resolution. ROIs belonging to the default mode network and attention control network were identified based on correlation to six published seed locations. Spatial heterogeneity of correlation between the default mode and attention control networks was observed, with smoothly varying gradients in every hub of both networks that ranged smoothly from weakly but significantly anticorrelated to positively correlated. Such gradients were reproduced in 3 separate groups of subjects. Anticorrelated subregions were identified in major hubs of both networks. Between-network connectivity gradients strengthen with age during late adolescence and early adulthood, with associated sharpening of the boundaries of the default mode network, integration of the insula and cingulate with frontoparietal attentional regions, and decreasing correlation between the default mode and attention control networks with age. PMID:22076305

  19. Dissociating anticipation from perception: Acute pain activates default mode network.

    Science.gov (United States)

    Ter Minassian, Aram; Ricalens, Emmanuel; Humbert, Stanislas; Duc, Flavie; Aubé, Christophe; Beydon, Laurent

    2013-09-01

    Few studies have explored the effect of acute pain on attentional networks and on the default mode network. Moreover, these studies convey conflicting results, seemingly caused by design. To reassess this issue, we studied 20 healthy subjects with functional magnetic resonance imaging while delivering painful electric shocks. The design was purposely constructed to separate rest, anticipation, and pain perception. We found that default mode network activity in response to pain was biphasic. It deactivated during anticipation when the dorsal attentional network was activated. During pain perception, the default mode network was activated, as were attentional networks. The left posterior fusiform gyrus showed the same dynamics as the default mode network, and its activity was negatively correlated to the subject's pain intensity rating. The associative pregenual anterior cingulate cortex seemed to play a key role in these coactivations. These results concur with data from the literature showing that enhanced pain perception results in greater default mode network activity and that the anticorrelation between the default mode network and the dorsal attentional network disappears in chronic pain patients. Copyright © 2012 Wiley Periodicals, Inc., a Wiley company.

  20. Goal-congruent default network activity facilitates cognitive control.

    Science.gov (United States)

    Spreng, R Nathan; DuPre, Elizabeth; Selarka, Dhawal; Garcia, Juliana; Gojkovic, Stefan; Mildner, Judith; Luh, Wen-Ming; Turner, Gary R

    2014-10-15

    Substantial neuroimaging evidence suggests that spontaneous engagement of the default network impairs performance on tasks requiring executive control. We investigated whether this impairment depends on the congruence between executive control demands and internal mentation. We hypothesized that activation of the default network might enhance performance on an executive control task if control processes engage long-term memory representations that are supported by the default network. Using fMRI, we scanned 36 healthy young adult humans on a novel two-back task requiring working memory for famous and anonymous faces. In this task, participants (1) matched anonymous faces interleaved with anonymous face, (2) matched anonymous faces interleaved with a famous face, or (3) matched a famous faces interleaved with an anonymous face. As predicted, we observed a facilitation effect when matching famous faces, compared with anonymous faces. We also observed greater activation of the default network during these famous face-matching trials. The results suggest that activation of the default network can contribute to task performance during an externally directed executive control task. Our findings provide evidence that successful activation of the default network in a contextually relevant manner facilitates goal-directed cognition. Copyright © 2014 the authors 0270-6474/14/3414108-07$15.00/0.

  1. Human exposure standards in the frequency range 1 Hz To 100 kHz: the case for adoption of the IEEE standard.

    Science.gov (United States)

    Patrick Reilly, J

    2014-10-01

    Differences between IEEE C95 Standards (C95.6-2002 and C95.1-2005) in the low-frequency (1 Hz-100 kHz) and the ICNIRP-2010 guidelines appear across the frequency spectrum. Factors accounting for lack of convergence include: differences between the IEEE standards and the ICNIRP guidelines with respect to biological induction models, stated objectives, data trail from experimentally derived thresholds through physical and biological principles, selection and justification of safety/reduction factors, use of probability models, compliance standards for the limbs as distinct from the whole body, defined population categories, strategies for central nervous system protection below 20 Hz, and correspondence of environmental electric field limits with contact currents. This paper discusses these factors and makes the case for adoption of the limits in the IEEE standards.

  2. A weakly informative default prior distribution for logistic and other regression models

    OpenAIRE

    Gelman, Andrew; Jakulin, Aleks; Pittau, Maria Grazia; Su, Yu-Sung

    2008-01-01

    We propose a new prior distribution for classical (nonhierarchical) logistic regression models, constructed by first scaling all nonbinary variables to have mean 0 and standard deviation 0.5, and then placing independent Student-$t$ prior distributions on the coefficients. As a default choice, we recommend the Cauchy distribution with center 0 and scale 2.5, which in the simplest setting is a longer-tailed version of the distribution attained by assuming one-half additional success and one-ha...

  3. The Two Defaults Scenario for Stressing Credit Portfolio Loss Distributions

    Directory of Open Access Journals (Sweden)

    Dirk Tasche

    2015-12-01

    Full Text Available The impact of a stress scenario of default events on the loss distribution of a credit portfolio can be assessed by determining the loss distribution conditional on these events. While it is conceptually easy to estimate loss distributions conditional on default events by means of Monte Carlo simulation, it becomes impractical for two or more simultaneous defaults as then the conditioning event is extremely rare. We provide an analytical approach to the calculation of the conditional loss distribution for the CreditRisk + portfolio model with independent random loss given default distributions. The analytical solution for this case can be used to check the accuracy of an approximation to the conditional loss distribution whereby the unconditional model is run with stressed input probabilities of default (PDs. It turns out that this approximation is unbiased. Numerical examples, however, suggest that the approximation may be seriously inaccurate but that the inaccuracy leads to overestimation of tail losses and, hence, the approach errs on the conservative side.

  4. Prior Sensitivity Analysis in Default Bayesian Structural Equation Modeling.

    Science.gov (United States)

    van Erp, Sara; Mulder, Joris; Oberski, Daniel L

    2017-11-27

    Bayesian structural equation modeling (BSEM) has recently gained popularity because it enables researchers to fit complex models and solve some of the issues often encountered in classical maximum likelihood estimation, such as nonconvergence and inadmissible solutions. An important component of any Bayesian analysis is the prior distribution of the unknown model parameters. Often, researchers rely on default priors, which are constructed in an automatic fashion without requiring substantive prior information. However, the prior can have a serious influence on the estimation of the model parameters, which affects the mean squared error, bias, coverage rates, and quantiles of the estimates. In this article, we investigate the performance of three different default priors: noninformative improper priors, vague proper priors, and empirical Bayes priors-with the latter being novel in the BSEM literature. Based on a simulation study, we find that these three default BSEM methods may perform very differently, especially with small samples. A careful prior sensitivity analysis is therefore needed when performing a default BSEM analysis. For this purpose, we provide a practical step-by-step guide for practitioners to conducting a prior sensitivity analysis in default BSEM. Our recommendations are illustrated using a well-known case study from the structural equation modeling literature, and all code for conducting the prior sensitivity analysis is available in the online supplemental materials. (PsycINFO Database Record (c) 2017 APA, all rights reserved).

  5. On the spillover of exchange rate risk into default risk

    Directory of Open Access Journals (Sweden)

    Božović Miloš

    2009-01-01

    Full Text Available In order to reduce the exchange-rate risk, banks in emerging markets are typically denominating their loans in foreign currencies. However, in the event of a substantial depreciation of the local currency, the payment ability of a foreign-currency borrower may be reduced significantly, exposing the lender to additional default risk. This paper analyses how the exchange-rate risk of foreign currency loans spills over into default risk. We show that in an economy where foreign currency loans are a dominant source of financing economic activity, depreciation of the local currency establishes a negative feedback mechanism that leads to higher default probabilities, reduced credit supply, and reduced growth. This finding has some important implications that may be of special interest for regulators and market participants in emerging economies.

  6. 78 FR 45981 - Occupational Exposure to Noise Standard; Extension of the Office of Management and Budget's (OMB...

    Science.gov (United States)

    2013-07-30

    ... audiograms; notifying workers of a loss in hearing based on comparing audiograms; training workers on the... Standard protect workers from suffering material hearing impairment. DATES: Comments must be submitted... workers from suffering material hearing impairment. The Standard requires employers to: Monitor worker...

  7. Estimativas de loss given default em portfólios de crédito simulados

    Directory of Open Access Journals (Sweden)

    Herbert Kimura

    2013-07-01

    Full Text Available O acordo de Basileia II permite que os bancos utilizem modelos internos que sirvam de base para o cálculo dos requisitos mínimos de capital em virtude do nível de exposição ao risco de crédito. Dentre os principais componentes estimados, estão a probabilidade de inadimplência (PD – probability of default, a perda dada a inadimplência (LGD – loss given default e a exposição à inadimplência (EAD – exposure at default. Este estudo tem como objetivo investigar mecanismos de estimação de LGD utilizando modelos de regressão e transformações logit e Beta. Considerando que o mercado brasileiro ainda se encontra em um estágio incipiente na análise de LGD e a disponibilidade de dados de taxas de recuperação é restrita, serão simulados portfólios de crédito por meio de técnicas de Monte Carlo. A dependência entre LGD e as variáveis explicativas da fração de perdas em caso de inadimplência é modelada por meio de cópulas gaussianas e de matrizes doubly stochastic. Os resultados sugerem que a análise de regressão multivariada, usando diversas funções de transformação, possibilita identificar adequadamente as variáveis que explicam a LGD. Mais particularmente, os resultados indicam que o modelo de Hamerle, Knapp e Wildenauer (2009 para estimação de LGD apresenta desempenho superior ao do desempenho do modelo discutido por Gupton e Stein (2005.

  8. Default Mode Network Subsystems are Differentially Disrupted in Posttraumatic Stress Disorder.

    Science.gov (United States)

    Miller, Danielle R; Hayes, Scott M; Hayes, Jasmeet P; Spielberg, Jeffrey M; Lafleche, Ginette; Verfaellie, Mieke

    2017-05-01

    Posttraumatic stress disorder (PTSD) is a psychiatric disorder characterized by debilitating re-experiencing, avoidance, and hyperarousal symptoms following trauma exposure. Recent evidence suggests that individuals with PTSD show disrupted functional connectivity in the default mode network, an intrinsic network that consists of a midline core, a medial temporal lobe (MTL) subsystem, and a dorsomedial prefrontal cortex (dMPFC) subsystem. The present study examined whether functional connectivity in these subsystems is differentially disrupted in PTSD. Sixty-nine returning war Veterans with PTSD and 44 trauma-exposed Veterans without PTSD underwent resting state functional MRI (rs-fMRI). To examine functional connectivity, seeds were placed in the core hubs of the default mode network, namely the posterior cingulate cortex (PCC) and anterior medial PFC (aMPFC), and in each subsystem. Compared to controls, individuals with PTSD had reduced functional connectivity between the PCC and the hippocampus, a region of the MTL subsystem. Groups did not differ in connectivity between the PCC and dMPFC subsystem or between the aMPFC and any region within either subsystem. In the PTSD group, connectivity between the PCC and hippocampus was negatively associated with avoidance/numbing symptoms. Examination of the MTL and dMPFC subsystems revealed reduced anticorrelation between the ventromedial PFC (vMPFC) seed of the MTL subsystem and the dorsal anterior cingulate cortex in the PTSD group. Our results suggest that selective alterations in functional connectivity in the MTL subsystem of the default mode network in PTSD may be an important factor in PTSD pathology and symptomatology.

  9. Estimativas de loss given default em portfólios de crédito simulados

    Directory of Open Access Journals (Sweden)

    Herbert Kimura

    2013-11-01

    Full Text Available O acordo de Basileia II permite que os bancos utilizem modelos internos que sirvam de base para o cálculo dos requisitos mínimos de capital em virtude do nível de exposição ao risco de crédito. Dentre os principais componentes estimados, estão a probabilidade de inadimplência (PD – probability of default, a perda dada a inadimplência (LGD – loss given default e a exposição à inadimplência (EAD – exposure at default. Este estudo tem como objetivo investigar mecanismos de estimação de LGD utilizando modelos de regressão e transformações logit e Beta. Considerando que o mercado brasileiro ainda se encontra em um estágio incipiente na análise de LGD e a disponibilidade de dados de taxas de recuperação é restrita, serão simulados portfólios de crédito por meio de técnicas de Monte Carlo. A dependência entre LGD e as variáveis explicativas da fração de perdas em caso de inadimplência é modelada por meio de cópulas gaussianas e de matrizes doubly stochastic. Os resultados sugerem que a análise de regressão multivariada, usando diversas funções de transformação, possibilita identificar adequadamente as variáveis que explicam a LGD. Mais particularmente, os resultados indicam que o modelo de Hamerle, Knapp e Wildenauer (2009 para estimação de LGD apresenta desempenho superior ao do desempenho do modelo discutido por Gupton e Stein (2005. 

  10. Correlation Structures of Correlated Binomial Models and Implied Default Distribution

    Science.gov (United States)

    Mori, Shintaro; Kitsukawa, Kenji; Hisakado, Masato

    2008-11-01

    We show how to analyze and interpret the correlation structures, the conditional expectation values and correlation coefficients of exchangeable Bernoulli random variables. We study implied default distributions for the iTraxx-CJ tranches and some popular probabilistic models, including the Gaussian copula model, Beta binomial distribution model and long-range Ising model. We interpret the differences in their profiles in terms of the correlation structures. The implied default distribution has singular correlation structures, reflecting the credit market implications. We point out two possible origins of the singular behavior.

  11. The rate of sputum smear-positive tuberculosis after treatment default in a high-burden setting: a retrospective cohort study.

    Directory of Open Access Journals (Sweden)

    Florian M Marx

    Full Text Available RATIONALE: High rates of recurrent tuberculosis after successful treatment have been reported from different high burden settings in Sub-Saharan Africa. However, little is known about the rate of smear-positive tuberculosis after treatment default. In particular, it is not known whether or not treatment defaulters continue to be or become again smear-positive and thus pose a potential for transmission of infection to others. OBJECTIVE: To investigate, in a high tuberculosis burden setting, the rate of re-treatment for smear-positive tuberculosis among cases defaulting from standardized treatment compared to successfully treated cases. METHODS: Retrospective cohort study among smear-positive tuberculosis cases treated between 1996 and 2008 in two urban communities in Cape Town, South Africa. Episodes of re-treatment for smear-positive tuberculosis were ascertained via probabilistic record linkage. Survival analysis and Poisson regression were used to compare the rate of smear-positive tuberculosis after treatment default to that after successful treatment. RESULTS: A total of 2,136 smear-positive tuberculosis cases were included in the study. After treatment default, the rate of re-treatment for smear-positive tuberculosis was 6.86 (95% confidence interval [CI]: 5.59-8.41 per 100 person-years compared to 2.09 (95% CI: 1.81-2.41 after cure (adjusted Hazard Ratio [aHR]: 3.97; 95% CI: 3.00-5.26. Among defaulters, the rate was inversely associated with treatment duration and sputum conversion prior to defaulting. Smear grade at start of the index treatment episode (Smear3+: aHR 1.61; 95%CI 1.11-2.33 was independently associated with smear-positive tuberculosis re-treatment, regardless of treatment outcome. CONCLUSIONS: In this high-burden setting, there is a high rate of subsequent smear-positive tuberculosis after treatment default. Treatment defaulters are therefore likely to contribute to the pool of infectious source cases in the community. Our

  12. Standard test method for determining the susceptibility to intergranular corrosion of 5XXX series Aluminum alloys by mass loss after exposure to nitric acid (NAMLT Test)

    CERN Document Server

    American Society for Testing and Materials. Philadelphia

    2004-01-01

    1.1 This test method describes a procedure for constant immersion intergranular corrosion testing of 5XXX series aluminum alloys. 1.2 This test method is applicable only to wrought products. 1.3 This test method covers type of specimen, specimen preparation, test environment, and method of exposure. 1.4 The values stated in SI units are to be regarded as the standard. The values given in parentheses are for information only. This standard does not purport to address all of the safety concerns, if any, associated with its use. It is the responsibility of the user of this standard to establish appropriate safety and health practices and determine the applicability of regulatory limitations prior to use.

  13. Standard Test Method for Measuring Optical Angular Deviation of Transparent Parts Using the Double-Exposure Method

    CERN Document Server

    American Society for Testing and Materials. Philadelphia

    2010-01-01

    1.1 This test method covers the measurement of the optical angular deviation of a light ray imposed by flat transparent parts such as a commercial or military aircraft windshield, canopy or cabin window. 1.2 The values stated in SI units are to be regarded as standard. No other units of measurement are included in this standard. 1.2.1 Exceptions—The values given in parentheses are for information only. Also, print size is provided in inch-pound measurements. 1.3 This standard does not purport to address all of the safety concerns, if any, associated with its use. It is the responsibility of the user of this standard to establish appropriate safety and health practices and determine the applicability of regulatory limitations prior to use.

  14. Systemic and cerebral exposure to and pharmacokinetics of flavonols and terpene lactones after dosing standardized Ginkgo biloba leaf extracts to rats via different routes of administration.

    Science.gov (United States)

    Chen, Feng; Li, Li; Xu, Fang; Sun, Yan; Du, Feifei; Ma, Xutao; Zhong, Chenchun; Li, Xiuxue; Wang, Fengqing; Zhang, Nating; Li, Chuan

    2013-09-01

    Flavonols and terpene lactones are putatively responsible for the properties of Ginkgo biloba leaf extracts that relate to prevention and treatment of cardiovascular disease and cerebral insufficiency. Here, we characterized rat systemic and cerebral exposure to these ginkgo compounds after dosing, as well as the compounds' pharmacokinetics. Rats received single or multiple doses of ShuXueNing injection (prepared from GBE50 for intravenous administration) or GBE50 (a standardized extract of G. biloba leaves for oral administration). Brain delivery of the ginkgo compounds was assessed with microdialysis. Various rat samples were analysed using liquid chromatography/mass spectrometry. Slow terminal elimination features of the flavonols counterbalanced the influence of poor oral bioavailability on their systemic exposure levels, which also resulted in significant accumulation of the compounds in plasma during the subchronic treatment with ShuXueNing injection and GBE50. Unlike the flavonols, the terpene lactones had poor enterohepatic circulation due to their rapid renal excretion and unknown metabolism. The flavonol glycosides occurred as major forms in plasma after dosing with ShuXueNing injection, while the flavonol aglycone conjugates were predominant in plasma after dosing with GBE50. Cerebral exposure was negligible for the flavonols and low for the terpene lactones. Unlike the significant systemic exposure levels, the levels of cerebral exposure to the flavonols and terpene lactones are low. The elimination kinetic differences between the two classes of ginkgo compounds influence their relative systemic exposure levels. The information gained is relevant to linking ginkgo administration to the medicinal effects. © 2013 The Authors. British Journal of Pharmacology published by John Wiley &. Sons Ltd on behalf of The British Pharmacological Society.

  15. Systemic and cerebral exposure to and pharmacokinetics of flavonols and terpene lactones after dosing standardized Ginkgo biloba leaf extracts to rats via different routes of administration

    Science.gov (United States)

    Chen, Feng; Li, Li; Xu, Fang; Sun, Yan; Du, Feifei; Ma, Xutao; Zhong, Chenchun; Li, Xiuxue; Wang, Fengqing; Zhang, Nating; Li, Chuan

    2013-01-01

    BACKGROUND AND PURPOSE Flavonols and terpene lactones are putatively responsible for the properties of Ginkgo biloba leaf extracts that relate to prevention and treatment of cardiovascular disease and cerebral insufficiency. Here, we characterized rat systemic and cerebral exposure to these ginkgo compounds after dosing, as well as the compounds’ pharmacokinetics. EXPERIMENTAL APPROACH Rats received single or multiple doses of ShuXueNing injection (prepared from GBE50 for intravenous administration) or GBE50 (a standardized extract of G. biloba leaves for oral administration). Brain delivery of the ginkgo compounds was assessed with microdialysis. Various rat samples were analysed using liquid chromatography/mass spectrometry. KEY RESULTS Slow terminal elimination features of the flavonols counterbalanced the influence of poor oral bioavailability on their systemic exposure levels, which also resulted in significant accumulation of the compounds in plasma during the subchronic treatment with ShuXueNing injection and GBE50. Unlike the flavonols, the terpene lactones had poor enterohepatic circulation due to their rapid renal excretion and unknown metabolism. The flavonol glycosides occurred as major forms in plasma after dosing with ShuXueNing injection, while the flavonol aglycone conjugates were predominant in plasma after dosing with GBE50. Cerebral exposure was negligible for the flavonols and low for the terpene lactones. CONCLUSION AND IMPLICATIONS Unlike the significant systemic exposure levels, the levels of cerebral exposure to the flavonols and terpene lactones are low. The elimination kinetic differences between the two classes of ginkgo compounds influence their relative systemic exposure levels. The information gained is relevant to linking ginkgo administration to the medicinal effects. PMID:23808355

  16. Prenatal cigarette smoke exposure: pregnancy outcome and gestational changes in plasma nicotine concentration, hematocrit, and carboxyhemoglobin in a newly standardized rat model.

    Science.gov (United States)

    Farkas, Svetlana; Hussein, Jabeen; Ariano, Robert E; Sitar, Daniel S; Hasan, Shabih U

    2006-07-15

    Epidemiological studies support an association between perinatal cigarette smoke (CS) exposure and a number of severe pre- and postnatal complications. However, the mechanisms through which CS enhances such risks largely remain unknown. One of the reasons for our inability to discover such mechanisms has been the unavailability of a clinically relevant and physiologically concordant animal model. A number of studies have previously used nicotine (Nic) as surrogate for CS. We sought to (1) establish the amount of CS exposure to achieve plasma Nic concentrations observed among moderate to heavy smokers (20-60 ng/ml), (2) investigate the temporal changes in plasma Nic concentrations, carboxyhemoglobin, and hematocrit with advancing pregnancy, and (3) elucidate the effects of CS exposure on pregnancy outcome. Pregnant Sprague-Dawley rats were exposed to various doses of CS or room air (Sham) from days 6 to 21 of gestation. Exposure to 6000 ml/day of CS led to very high plasma Nic concentrations and increased maternal and fetal mortality (P hematocrit were observed in the CS group as compared with the Sham group (P < 0.001). In addition, prenatally CS exposed fetuses had lower birth weight as compared with the Sham group (P = 0.04). Our current study establishes a newly standardized and physiologically relevant model to investigate the mechanisms of CS-mediated adverse effects during the critical period of fetal development.

  17. Elaboration of standards referred to human exposure to electromagnetic fields in the range of 9kHz to 300GHz in the National System of Health, Brazil

    International Nuclear Information System (INIS)

    Souza, Joao Henrique Campos de; Giacomet, Andrea Fatima; Cunha, Tarcisio; Drumond, Ivens; Sa, Fabiana O.; Mendes, Paula

    2005-01-01

    The Portaria of the Ministry of Health no. 279 (Ordinance 279), of February 22, 2005, establishes a Working Group-GT with the purpose to elaborate standards relating to human exposure to electromagnetic fields in the range of 9 kHz to 300 GHz in the Sistema Unico de Saude (National System of Health), Brazil. Since then, we have conducted several studies on the biological effects of radiation exposure in this spectral range. The GT proposes the use of the geographical instruments coupled information systems to define an alternative pattern of surveillance, based on the determination of Areas of Risks. Each source of electromagnetic radiation is associated with territorial boundaries that surround it using progressively larger distances, thus determining areas of influence whose intensity is attenuated as the distance to the source increases. This paper presents the main results obtained by the Working Group

  18. Nonmonotonic Skeptical Consequence Relation in Constrained Default Logic

    Directory of Open Access Journals (Sweden)

    Mihaiela Lupea

    2010-12-01

    Full Text Available This paper presents a study of the nonmonotonic consequence relation which models the skeptical reasoning formalised by constrained default logic. The nonmonotonic skeptical consequence relation is defined using the sequent calculus axiomatic system. We study the formal properties desirable for a good nonmonotonic relation: supraclassicality, cut, cautious monotony, cumulativity, absorption, distribution. 

  19. Default from Anti-Retroviral Treatment Programme in Sagamu, Nigeria

    African Journals Online (AJOL)

    For those who were not met at home proxy interviewees such as a neighbour or a family member were asked if they were available. Of the 100 patients who had enrolled in the ART treatment programme during the study period, 36% of the study population defaulted treatment, 18% had died while 46% were alive and well.

  20. Distribution, incidence, prevalence and default of patients with ...

    African Journals Online (AJOL)

    Results. The study showed that the majority (38.7%) of patients with diabetes on the public sector register were from the district of eThekwini. Positive correlations were found between the prevalence of diabetes, the mortality rate and the number of defaulters (patients with diabetes who did not return for regular treatment).

  1. Abnormal activity of default mode network in GERD patients.

    Science.gov (United States)

    Sun, Huihui; Chen, Ying; Zhao, Xiaohu; Wang, Xiangbin; Jiang, Yuanxi; Wu, Ping; Tang, Yinhan; Meng, Qingwei; Xu, Shuchang

    2013-07-11

    Abnormal processing of esophageal sensation at the level of the central nervous system has been proven to be involved in gastroesophageal reflux disease (GERD). However, most studies were focused on the possible functions of perceptual processing related network during task status, little attention has been paid to default mode network, which has been manifested to be important in the pathogenesis of many diseases. In our study, we compared the brain activity characteristic in GERD patients with the healthy subjects (HS) at baseline, looking for whether activities of default mode network were abnormal in GERD patients and attempting to identify their possible roles in GERD. In present study, fractional amplitude of low-frequency fluctuation was adopted to detect the brain activities at baseline. Group-level analyses were conducted by one-sample t test within groups (voxel thresholds were p42, corrected P90, corrected Pdefault mode network such as medial superior frontal gyrus, precuneus, posterior cingulate gyrus, etc. However, the activities of precuneus and posterior cingulate gyrus were significantly lower in GERD patients than those in the HS. The activities of precuneus and posterior cingulate gyrus of default mode network in GERD patients were significantly lower compared to the HS, suggesting abnormal activities of brain regions in default mode network may be involved in pathophysiology of GERD symptom generation.

  2. Factors contributing to defaulting scheduled therapy sessions by ...

    African Journals Online (AJOL)

    Although all the caregivers could not distinguish occupational therapy from physiotherapy services they all reported that therapy was important. Conclusions: A combination of psychosocial, economic, child centred and service centred factors contributed to caregivers defaulting scheduled therapy. Interventions that may ...

  3. Sovereign default and the stability of inflation targeting regimes

    NARCIS (Netherlands)

    Schabert, A.; van Wijnbergen, S.J.G.

    2011-01-01

    We analyse the impact of interactions between monetary and fiscal policy on macroeconomic stability. We find that in the presence of sovereign default beliefs a monetary policy, which aims to stabilize inflation through an active interest rate policy, will destabilize the economy if the feedback

  4. Determinants of Default in P2P Lending

    Science.gov (United States)

    2015-01-01

    This paper studies P2P lending and the factors explaining loan default. This is an important issue because in P2P lending individual investors bear the credit risk, instead of financial institutions, which are experts in dealing with this risk. P2P lenders suffer a severe problem of information asymmetry, because they are at a disadvantage facing the borrower. For this reason, P2P lending sites provide potential lenders with information about borrowers and their loan purpose. They also assign a grade to each loan. The empirical study is based on loans’ data collected from Lending Club (N = 24,449) from 2008 to 2014 that are first analyzed by using univariate means tests and survival analysis. Factors explaining default are loan purpose, annual income, current housing situation, credit history and indebtedness. Secondly, a logistic regression model is developed to predict defaults. The grade assigned by the P2P lending site is the most predictive factor of default, but the accuracy of the model is improved by adding other information, especially the borrower’s debt level. PMID:26425854

  5. 48 CFR 49.402-3 - Procedure for default.

    Science.gov (United States)

    2010-10-01

    ... the contracting office's small business specialist and the Small Business Administration Regional... default: (1) The terms of the contract and applicable laws and regulations. (2) The specific failure of... law or under the contract, in addition to charging excess costs; and (7) That the notice constitutes a...

  6. Sovereign default and the stability of inflation targeting regimes

    NARCIS (Netherlands)

    Schabert, A.; van Wijnbergen, S.J.G.

    2014-01-01

    We analyze the impact of interactions between monetary and fiscal policy on macroeconomic stability. We find that in the presence of sovereign default, macroeconomic stability requires monetary policy to be passive if the feedback from debt surprises back to the primary surplus is too weak. An

  7. Default Sarcastic Interpretations: On the Priority of Nonsalient Interpretations

    Science.gov (United States)

    Giora, Rachel; Drucker, Ari; Fein, Ofer; Mendelson, Itamar

    2015-01-01

    Findings from five experiments support the view that negation generates sarcastic utterance-interpretations by default. When presented in isolation, novel negative constructions ("Punctuality is not his forte," "Thoroughness is not her most distinctive feature"), free of semantic anomaly or internal incongruity, were…

  8. Pattern of attendance and predictors of default among Nigerian ...

    African Journals Online (AJOL)

    outcomes.1,2 Rates of treatment default as high as 30% to 40% have been reported in the ... Objective: To assess the pattern of and factors associated with outpatient clinic attendance among patients diagnosed with schizophrenia at a Nigerian ..... health system- the impact of patients who leave care. Psychiatric Services ...

  9. Factors contributing to defaulting scheduled therapy sessions by ...

    African Journals Online (AJOL)

    A descriptive cross sectional study was carried out at Chitungwiza Central. Hospital, a tertiary facility offering in and outpatient rehabilitation services in Zimbabwe. Caregivers of children who had congenital disabilities. (N=40) and who had a history of defaulting treatment but were available during the data collection period ...

  10. Default-and-refinement approach to pronunciation prediction

    CSIR Research Space (South Africa)

    Davel, MH

    2004-11-01

    Full Text Available The authors define a novel g-to-p prediction algorithm that utilises the concept of a 'default phoneme': a grapheme which is realised as a specific phoneme significantly more often than as any other phoneme. They found that this approach results...

  11. Determinants of Default in P2P Lending.

    Directory of Open Access Journals (Sweden)

    Carlos Serrano-Cinca

    Full Text Available This paper studies P2P lending and the factors explaining loan default. This is an important issue because in P2P lending individual investors bear the credit risk, instead of financial institutions, which are experts in dealing with this risk. P2P lenders suffer a severe problem of information asymmetry, because they are at a disadvantage facing the borrower. For this reason, P2P lending sites provide potential lenders with information about borrowers and their loan purpose. They also assign a grade to each loan. The empirical study is based on loans' data collected from Lending Club (N = 24,449 from 2008 to 2014 that are first analyzed by using univariate means tests and survival analysis. Factors explaining default are loan purpose, annual income, current housing situation, credit history and indebtedness. Secondly, a logistic regression model is developed to predict defaults. The grade assigned by the P2P lending site is the most predictive factor of default, but the accuracy of the model is improved by adding other information, especially the borrower's debt level.

  12. Determinants of Default in P2P Lending.

    Science.gov (United States)

    Serrano-Cinca, Carlos; Gutiérrez-Nieto, Begoña; López-Palacios, Luz

    2015-01-01

    This paper studies P2P lending and the factors explaining loan default. This is an important issue because in P2P lending individual investors bear the credit risk, instead of financial institutions, which are experts in dealing with this risk. P2P lenders suffer a severe problem of information asymmetry, because they are at a disadvantage facing the borrower. For this reason, P2P lending sites provide potential lenders with information about borrowers and their loan purpose. They also assign a grade to each loan. The empirical study is based on loans' data collected from Lending Club (N = 24,449) from 2008 to 2014 that are first analyzed by using univariate means tests and survival analysis. Factors explaining default are loan purpose, annual income, current housing situation, credit history and indebtedness. Secondly, a logistic regression model is developed to predict defaults. The grade assigned by the P2P lending site is the most predictive factor of default, but the accuracy of the model is improved by adding other information, especially the borrower's debt level.

  13. Vital status of pre-ART and ART patients defaulting from care in rural Malawi

    OpenAIRE

    McGuire, Megan; Munyenyembe, Tamika; Szumilin, Elisabeth; Heinzelmann, Annette; Le Paih, Mickael; Bouithy, Nenette; Pujades-Rodríguez, Mar

    2010-01-01

    OBJECTIVES: To ascertain the outcome of pre-Antiretroviral therapy (ART) and ART patients defaulting from care and investigate reasons for defaulting. METHODS: Patients defaulting from HIV care in Chiradzulu between July 2004 and September 2007 were traced at last known home address. Deaths and moves were recorded, and patients found alive were interviewed. Defaulting was defined as missed last appointment by more than 1 month among patients of unknown vital status. RESULTS: A total of 1637 i...

  14. 42 CFR 1001.1501 - Default of health education loan or scholarship obligations.

    Science.gov (United States)

    2010-10-01

    ... 42 Public Health 5 2010-10-01 2010-10-01 false Default of health education loan or scholarship... Permissive Exclusions § 1001.1501 Default of health education loan or scholarship obligations. (a... individual that the Public Health Service (PHS) determines is in default on repayments of scholarship...

  15. 34 CFR Appendix A to Subpart N of... - Sample Default Prevention Plan

    Science.gov (United States)

    2010-07-01

    ... implement when developing a default prevention plan. I. Core Default Reduction Strategies 1. Establish your.... Establish a process to ensure the accuracy of your rate. II. Additional Default Reduction Strategies 1... debt management activities. 2. Enhance the enrollment retention and academic persistence of borrowers...

  16. 34 CFR 668.188 - Preventing evasion of the consequences of cohort default rates.

    Science.gov (United States)

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Preventing evasion of the consequences of cohort default rates. 668.188 Section 668.188 Education Regulations of the Offices of the Department of Education... Two Year Cohort Default Rates § 668.188 Preventing evasion of the consequences of cohort default rates...

  17. 34 CFR 668.207 - Preventing evasion of the consequences of cohort default rates.

    Science.gov (United States)

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Preventing evasion of the consequences of cohort default rates. 668.207 Section 668.207 Education Regulations of the Offices of the Department of Education... Cohort Default Rates § 668.207 Preventing evasion of the consequences of cohort default rates. (a...

  18. Of Religion and Redemption : Evidence from Default on Islamic Loans (Replaces EBC DP 2010-032)

    NARCIS (Netherlands)

    Baele, L.; Farooq, M.; Ongena, S.

    2012-01-01

    We compare default rates on conventional and Islamic loans using a comprehensive monthly dataset from Pakistan that follows more than 150,000 loans over the period 2006:04 to 2008:12. We find robust evidence that the default rate on Islamic loans is less than half the default rate on conventional

  19. Student Loan Default: Do Characteristics of Four-Year Institutions Contribute to the Puzzle?

    Science.gov (United States)

    Webber, Karen L.; Rogers, Sharon L.

    2010-01-01

    College student debt and loan default are growing concerns in the United States. For each U.S. institution, the federal government is now reporting a cohort default rate, which is the percent of students who defaulted on their loan, averaged over a three-year period. Previous studies have amply shown that student characteristics are strongly…

  20. Internal representation of hierarchical sequences involves the default network

    Directory of Open Access Journals (Sweden)

    Rogers Baxter P

    2010-04-01

    Full Text Available Abstract Background The default network is a set of brain regions that exhibit a reduction in BOLD response during attention-demanding cognitive tasks, and distinctive patterns of functional connectivity that typically include anti-correlations with a fronto-parietal network involved in attention, working memory, and executive control. The function of the default network regions has been attributed to introspection, self-awareness, and theory of mind judgments, and some of its regions are involved in episodic memory processes. Results Using the method of psycho-physiological interactions, we studied the functional connectivity of several regions in a fronto-parietal network involved in a paired image discrimination task involving transitive inference. Some image pairs were derived from an implicit underlying sequence A>B>C>D>E, and some were independent (F>G, H>J, etc. Functional connectivity between the fronto-parietal regions and the default network regions depended on the presence of the underlying sequence relating the images. When subjects viewed learned and novel pairs from the sequence, connectivity between these two networks was higher than when subjects viewed learned and novel pairs from the independent sets. Conclusions These results suggest that default network regions were involved in maintaining the internal model that subserved discrimination of image pairs derived from the implicit sequence, and contributed to introspective access of an internal sequence model built during training. The default network may not be a unified entity with a specific function, but rather may interact with other functional networks in task-dependent ways.

  1. Simulated Prism Therapy in Virtual Reality produces larger after-effects than standard prism exposure in normal healthy subject - Implications for Neglect Therapy

    DEFF Research Database (Denmark)

    Wilms, Inge Linda

    2018-01-01

    -effects. OBJECTIVE: This study compares the effect of two different prism simulation conditions in virtual reality to a standard exposure to prism goggles after one session of Prism Adaptation Therapy in healthy subjects. METHOD: 20 healthy subjects were subjected to one session of prism adaptation therapy under...... three prism conditions: 2 different types of simulated prism techniques in virtual reality and a control session using a set of prism goggles. RESULTS: The study shows that the simulated prism conditions in virtual reality with HTC Vive produced prismatic after-effects larger in size than the after...

  2. Standard practice for exposure of metals and alloys by alternate immersion in neutral 3.5% Sodium Chloride solution

    CERN Document Server

    American Society for Testing and Materials. Philadelphia

    1999-01-01

    1.1 This practice covers procedures for making alternate immersion stress corrosion tests in 3.5 % sodium chloride (NaCl) (). It is primarily for tests of aluminum alloys (Test Method G 47) and ferrous alloys, but may be used for other metals exhibiting susceptibility to chloride ions. It sets forth the environmental conditions of the test and the means for controlling them. Note 1 Alternate immersion stress corrosion exposures are sometimes made in substitute ocean water (without heavy metals) prepared in accordance with Specification D 1141. The general requirements of this present practice are also applicable to such exposures except that the reagents used, the solution concentration, and the solution pH should be as specified in Specification D 1141. 1.2 This practice can be used for both stressed and unstressed corrosion specimens. Historically, it has been used for stress-corrosion cracking testing, but is often used for other forms of corrosion, such as uniform, pitting, intergranular, and galvanic. ...

  3. Chain Free Association, Creativity, and the Default Mode Network.

    Science.gov (United States)

    Marron, Tali R; Lerner, Yulia; Berant, Ety; Kinreich, Sivan; Shapira-Lichter, Irit; Hendler, Talma; Faust, Miriam

    2018-03-16

    Research on creativity shows that creative thinking entails both executive (controlled) and associative (spontaneous) processes. Yet standard creativity tasks cannot reliably isolate these two types of cognitive processes, making it difficult to understand the relation between the two and the roles of their corresponding brain networks in creative cognition. In this study we used a behavioral and neuroimaging approach in an effort to establish chain free association (FA) tasks as a relevant method for directly investigating spontaneous associative thinking and its role in creative cognition. We further examined the relation between performance on such tasks and intelligence. Participants completed common creativity tasks and then underwent fMRI scanning while producing FA chains. Instructions to participants that emphasized the spontaneous nature of the task, coupled with proper control conditions that were balanced for difficulty, enabled us to uncover spontaneous (as opposed to controlled) processes. To examine whether behavioral measures that can be derived from FA chains (associative fluency, associative flexibility and semantic remoteness between associations) are indicative of unconstrained spontaneous associative processing and are related to different aspects of verbal creativity and intelligence, scores on these measures were correlated with scores on creativity tasks and on an intelligence task, and with brain activity. We found that: (1) the Default Mode Network (DMN), a network involved in self-generated and internally-directed thought, was more involved in chain FA than in other tasks expected to reflect more controlled forms of internally-directed thought, suggesting that the DMN involvement might be related to the unconstrained spontaneous nature of chain FA. Higher involvement of the left IFG, SFG, MFG under chain FA was also revealed; (2) higher scores on different behavioral measures from FA chains were related to higher activation of the DMN and

  4. Monitoring the effects of exposure to lead and cadmium in working and living environment through standard biochemical blood parameters and liver endonucleases activity

    Directory of Open Access Journals (Sweden)

    Nikolić Ružica S.

    2011-01-01

    Full Text Available Heavy metals as pollutants in the working and living environment are a serious health and environmental problem because they are toxic, non-biodegradable, accumulate in living systems and have a long half-life in soil. Sources of lead contamination are combustion products in the chemical industry and metallurgy, industrial waste water, landfills, traffic etc. Lead enters into the body via the food chain and drinking water. In the body lead is deposited in the liver, kidneys, brain and mineral tissues. Excretion of lead causes damage to the epithelial cells of certain organs. High level exposure to cadmium is usually the result of environmental pollution by human activities. Exposure to cadmium can lead to acute and chronic tissue damage of various organs, including liver and kidneys in humans and in animals. In this paper we analyzed the effects of lead and cadmium exposure, in working and living environment, on the model system of experimental animals, particularly the activity of certain liver enzymes, acid and alkaline DNase, and standard biochemical blood parameters. The study showed that lead and cadmium significantly affect the protein content, red blood cells, hemoglobin and hematocrit, and the activity of liver enzymes. This harmful effect of this toxic metal can be reduced by the supplements.

  5. Reduced-dose chest CT with 3D automatic exposure control vs. standard chest CT: Quantitative assessment of emphysematous changes in smokers’ lung parenchyma

    International Nuclear Information System (INIS)

    Koyama, Hisanobu; Ohno, Yoshiharu; Yamazaki, Youichi; Matsumoto, Keiko; Onishi, Yumiko; Takenaka, Daisuke; Yoshikawa, Takeshi; Nishio, Mizuho; Matsumoto, Sumiaki; Murase, Kenya; Nishimura, Yoshihiro

    2012-01-01

    Objectives: To determine the capability of reduced-dose chest CT with three-dimensional (3D) automatic exposure control (AEC) on quantitative assessment of emphysematous change in smoker’ lung parenchyma, compared to standard chest CT. Methods: Twenty consecutive smoker patients (mean age 62.8 years) underwent CT examinations using a standard protocol (150 mAs) and a protocol with 3D-AEC. In this study, the targeted standard deviations number was set to 160. For quantitative assessment of emphysematous change in lung parenchyma in each subject using the standard protocol, a percentage of voxels less than −950 HU in the lung (%LAA −950 ) was calculated. The 3D-AEC protocol's %LAA was computed from of voxel percentages under selected threshold CT value. The differences of radiation doses between these two protocols were evaluated, and %LAAs −950 was compared with the 3D-AEC protocol %LAAs. Results: Mean dose length products were 780.2 ± 145.5 mGy cm (standard protocol), and 192.0 ± 95.9 (3D-AEC protocol). There was significant difference between them (paired Student's t test, p −950 and 3D-AEC protocol %LAAs. In adopting the feasible threshold CT values of the 3D-AEC protocol, the 3D-AEC protocol %LAAs were significantly correlated with %LAAs −950 (r = 0.98, p < 0.001) and limits of agreement from Bland–Altman analysis was 0.52 ± 4.3%. Conclusions: Changing threshold CT values demonstrated that reduced-dose chest CT with 3D-AEC can substitute for the standard protocol in assessments of emphysematous change in smoker’ lung parenchyma.

  6. Predictors of Default from Treatment for Tuberculosis: a Single Center Case-Control Study in Korea.

    Science.gov (United States)

    Park, Cheol-Kyu; Shin, Hong-Joon; Kim, Yu-Il; Lim, Sung-Chul; Yoon, Jeong-Sun; Kim, Young-Su; Kim, Jung-Chul; Kwon, Yong-Soo

    2016-02-01

    Default from tuberculosis (TB) treatment could exacerbate the disease and result in the emergence of drug resistance. This study identified the risk factors for default from TB treatment in Korea. This single-center case-control study analyzed 46 default cases and 100 controls. Default was defined as interrupting treatment for 2 or more consecutive months. The reasons for default were mainly incorrect perception or information about TB (41.3%) and experience of adverse events due to TB drugs (41.3%). In univariate analysis, low income (defaulter (15.2% vs. 2.0%, P = 0.005), and combined extrapulmonary TB (54.3% vs. 34.0%, P = 0.020) were significant risk factors for default. In multivariate analysis, the absence of TB stigma (adjusted odd ratio [aOR]: 46.299, 95% confidence interval [CI]: 8.078-265.365, P defaulters (aOR: 33.226, 95% CI: 2.658-415.309, P = 0.007), and low income (aOR: 5.246, 95% CI: 1.249-22.029, P = 0.024) were independent predictors of default from TB treatment. In conclusion, patients with absence of disease stigma, treated by a non-pulmonologist, who were former defaulters, and with low income should be carefully monitored during TB treatment in Korea to avoid treatment default.

  7. Predictors of Default from Treatment for Tuberculosis: a Single Center Case–Control Study in Korea

    Science.gov (United States)

    2016-01-01

    Default from tuberculosis (TB) treatment could exacerbate the disease and result in the emergence of drug resistance. This study identified the risk factors for default from TB treatment in Korea. This single-center case–control study analyzed 46 default cases and 100 controls. Default was defined as interrupting treatment for 2 or more consecutive months. The reasons for default were mainly incorrect perception or information about TB (41.3%) and experience of adverse events due to TB drugs (41.3%). In univariate analysis, low income (defaulter (15.2% vs. 2.0%, P = 0.005), and combined extrapulmonary TB (54.3% vs. 34.0%, P = 0.020) were significant risk factors for default. In multivariate analysis, the absence of TB stigma (adjusted odd ratio [aOR]: 46.299, 95% confidence interval [CI]: 8.078–265.365, P defaulters (aOR: 33.226, 95% CI: 2.658–415.309, P = 0.007), and low income (aOR: 5.246, 95% CI: 1.249–22.029, P = 0.024) were independent predictors of default from TB treatment. In conclusion, patients with absence of disease stigma, treated by a non-pulmonologist, who were former defaulters, and with low income should be carefully monitored during TB treatment in Korea to avoid treatment default. PMID:26839480

  8. Prenatal cigarette smoke exposure: Pregnancy outcome and gestational changes in plasma nicotine concentration, hematocrit, and carboxyhemoglobin in a newly standardized rat model

    International Nuclear Information System (INIS)

    Farkas, Svetlana; Hussein, Jabeen; Ariano, Robert E.; Sitar, Daniel S.; Hasan, Shabih U.

    2006-01-01

    Epidemiological studies support an association between perinatal cigarette smoke (CS) exposure and a number of severe pre- and postnatal complications. However, the mechanisms through which CS enhances such risks largely remain unknown. One of the reasons for our inability to discover such mechanisms has been the unavailability of a clinically relevant and physiologically concordant animal model. A number of studies have previously used nicotine (Nic) as surrogate for CS. We sought to (1) establish the amount of CS exposure to achieve plasma Nic concentrations observed among moderate to heavy smokers (20-60 ng/ml) (2) investigate the temporal changes in plasma Nic concentrations, carboxyhemoglobin, and hematocrit with advancing pregnancy, and (3) elucidate the effects of CS exposure on pregnancy outcome. Pregnant Sprague-Dawley rats were exposed to various doses of CS or room air (Sham) from days 6 to 21 of gestation. Exposure to 6000 ml/day of CS led to very high plasma Nic concentrations and increased maternal and fetal mortality (P < 0.001). The plasma Nic concentrations remained higher than those observed in moderate smokers until the CS dose was reduced to 1000 ml/day and showed dose-dependent temporal changes with advancing gestational age. Significant increases in carboxyhemoglobin and hematocrit were observed in the CS group as compared with the Sham group (P < 0.001). In addition, prenatally CS exposed fetuses had lower birth weight as compared with the Sham group (P = 0.04). Our current study establishes a newly standardized and physiologically relevant model to investigate the mechanisms of CS-mediated adverse effects during the critical period of fetal development

  9. Ensemble Learning or Deep Learning? Application to Default Risk Analysis

    Directory of Open Access Journals (Sweden)

    Shigeyuki Hamori

    2018-03-01

    Full Text Available Proper credit-risk management is essential for lending institutions, as substantial losses can be incurred when borrowers default. Consequently, statistical methods that can measure and analyze credit risk objectively are becoming increasingly important. This study analyzes default payment data and compares the prediction accuracy and classification ability of three ensemble-learning methods—specifically, bagging, random forest, and boosting—with those of various neural-network methods, each of which has a different activation function. The results obtained indicate that the classification ability of boosting is superior to other machine-learning methods including neural networks. It is also found that the performance of neural-network models depends on the choice of activation function, the number of middle layers, and the inclusion of dropout.

  10. Identifying a "default" visual search mode with operant conditioning.

    Science.gov (United States)

    Kawahara, Jun-ichiro

    2010-09-01

    The presence of a singleton in a task-irrelevant domain can impair visual search. This impairment, known as the attentional capture depends on the set of participants. When narrowly searching for a specific feature (the feature search mode), only matching stimuli capture attention. When searching broadly (the singleton detection mode), any oddball captures attention. The present study examined which strategy represents the "default" mode using an operant conditioning approach in which participants were trained, in the absence of explicit instructions, to search for a target in an ambiguous context in which one of two modes was available. The results revealed that participants behaviorally adopted the singleton detection as the default mode but reported using the feature search mode. Conscious strategies did not eliminate capture. These results challenge the view that a conscious set always modulates capture, suggesting that the visual system tends to rely on stimulus salience to deploy attention.

  11. Loan Default Prediction on Large Imbalanced Data Using Random Forests

    OpenAIRE

    Hong Wang; Lifeng Zhou

    2012-01-01

    In this paper, we propose an improved random forest algorithm which allocates weights to decision trees in the forest during tree aggregation for prediction and their weights are easily calculated based on out-of-bag errors in training. We compare the performance of our proposed algorithm and the original one on loan default prediction datasets. We also use these two algorithms to create two kinds of balanced random forests to deal with imbalanced data problem. Experiments results show that ...

  12. Microstructure of the Default Mode Network in Preterm Infants.

    Science.gov (United States)

    Cui, J; Tymofiyeva, O; Desikan, R; Flynn, T; Kim, H; Gano, D; Hess, C P; Ferriero, D M; Barkovich, A J; Xu, D

    2017-02-01

    Diffusion and fMRI has been providing insights to brain development in addition to anatomic imaging. This study aimed to evaluate the microstructure of white matter tracts underlying the default mode network in premature infants by using resting-state functional MR imaging in conjunction with diffusion tensor imaging-based tractography. A cohort of 44 preterm infants underwent structural T1-weighted imaging, resting-state fMRI, and DTI at 3T, including 21 infants with brain injuries and 23 infants with normal-appearing structural imaging as controls. Neurodevelopment was evaluated with the Bayley Scales of Infant Development at 12 months' adjusted age. Probabilistic independent component analysis was applied to resting-state fMRI data to explore resting-state networks. The localized clusters of the default mode network were used as seeding for probabilistic tractography. The DTI metrics (fractional anisotropy, mean diffusivity, axial diffusivity, and radial diffusivity) of the reconstructed primary tracts within the default mode network-cingula were measured. Results revealed decreased fractional anisotropy (0.20 ± 0.03) and elevated radial diffusivity values (1.24 ± 0.16) of the cingula in the preterm infants with brain injuries compared with controls (fractional anisotropy, 0.25 ± 0.03; P default mode network are of critical importance in the early neurocognitive development of infants. This study of combined resting-state fMRI and DTI at rest suggests that such studies may allow the investigation of key functional brain circuits in premature infants, which could function not only as diagnostic tools but also as biomarkers for long-term neurodevelopmental outcomes. © 2017 by American Journal of Neuroradiology.

  13. Exploring default mode and information flow on the web.

    Science.gov (United States)

    Oka, Mizuki; Ikegami, Takashi

    2013-01-01

    Social networking services (e.g., Twitter, Facebook) are now major sources of World Wide Web (called "Web") dynamics, together with Web search services (e.g., Google). These two types of Web services mutually influence each other but generate different dynamics. In this paper, we distinguish two modes of Web dynamics: the reactive mode and the default mode. It is assumed that Twitter messages (called "tweets") and Google search queries react to significant social movements and events, but they also demonstrate signs of becoming self-activated, thereby forming a baseline Web activity. We define the former as the reactive mode and the latter as the default mode of the Web. In this paper, we investigate these reactive and default modes of the Web's dynamics using transfer entropy (TE). The amount of information transferred between a time series of 1,000 frequent keywords in Twitter and the same keywords in Google queries is investigated across an 11-month time period. Study of the information flow on Google and Twitter revealed that information is generally transferred from Twitter to Google, indicating that Twitter time series have some preceding information about Google time series. We also studied the information flow among different Twitter keywords time series by taking keywords as nodes and flow directions as edges of a network. An analysis of this network revealed that frequent keywords tend to become an information source and infrequent keywords tend to become sink for other keywords. Based on these findings, we hypothesize that frequent keywords form the Web's default mode, which becomes an information source for infrequent keywords that generally form the Web's reactive mode. We also found that the Web consists of different time resolutions with respect to TE among Twitter keywords, which will be another focal point of this paper.

  14. Argentina’s Defaulted Sovereign Debt: Dealing with the Holdouts

    Science.gov (United States)

    2010-02-17

    solution that it felt was commensurate with its deeply diminished economic and social reality. Facing a huge debt burden, Argentina adopted a hard line...34Vulture Funds Lobby Against Argentina," America Latina en Movimiento , August 6, 2009. http://alainet.org/index.phtml Argentina’s Defaulted Sovereign...Service 12 responsibility can have dramatic long-term economic, social , and political consequences. At the financial level, the costs to Argentina have

  15. Defaultable Game Options in a Hazard Process Model

    Directory of Open Access Journals (Sweden)

    Tomasz R. Bielecki

    2009-01-01

    Full Text Available The valuation and hedging of defaultable game options is studied in a hazard process model of credit risk. A convenient pricing formula with respect to a reference filteration is derived. A connection of arbitrage prices with a suitable notion of hedging is obtained. The main result shows that the arbitrage prices are the minimal superhedging prices with sigma martingale cost under a risk neutral measure.

  16. Predictive Models and Tools for Screening Chemicals under TSCA: Consumer Exposure Models 1.5

    Science.gov (United States)

    CEM contains a combination of models and default parameters which are used to estimate inhalation, dermal, and oral exposures to consumer products and articles for a wide variety of product and article use categories.

  17. Identification of Indicators’ Applicability to Settle Borrowers’ Probability of Default

    Directory of Open Access Journals (Sweden)

    Jurevičienė Daiva

    2016-06-01

    Full Text Available Borrowers default risk is one of the most relevant types of risk in commercial banking and its assessment is important to secure business profitability and avoid huge losses during economic turbulences. This leads to necessity to investigate topics related to assessment of borrowers’ default probability and applicability of factors, which would enable to capture the newest trends of borrowers’ markets. Leading economic indicators (in addition to financial and other economic indicators are often suggested as forward-looking in scientific literature. However, there is still a discussion going on applicability of financial ratios and economic indicators. As the problem is relevant in theoretical view as well as for practitioners, this article aims to identify applicability of leading economic indicators for the estimation of default probability. Further, the qualitative criteria for factor selection were identified and used when using detailing, grouping and SWOT analysis methods. Based on current scientific literature analysis, this paper concludes that although leading economic indicators are able to capture forward-looking signals, they should be used with careful analysis of its drawbacks and in combination with financial factors in order to avoid overshooting effects. The limitation of the article is the analysis of factors based on rather theoretical analysis than estimation of quantitative criteria. This suggests that every time using leading economic indicators requires using empirical study of particular indicators’ set.

  18. Abnormal Default System Functioning in Depression: Implications for Emotion Regulation.

    Science.gov (United States)

    Messina, Irene; Bianco, Francesca; Cusinato, Maria; Calvo, Vincenzo; Sambin, Marco

    2016-01-01

    Depression is widely seen as the result of difficulties in regulating emotions. Based on neuroimaging studies on voluntary emotion regulation, neurobiological models have focused on the concept of cognitive control, considering emotion regulation as a shift toward involving controlled processes associated with activation of the prefrontal and parietal executive areas, instead of responding automatically to emotional stimuli. According to such models, the weaker executive area activation observed in depressed patients is attributable to a lack of cognitive control over negative emotions. Going beyond the concept of cognitive control, psychodynamic models describe the development of individuals' capacity to regulate their emotional states in mother-infant interactions during childhood, through the construction of the representation of the self, others, and relationships. In this mini-review, we link these psychodynamic models with recent findings regarding the abnormal functioning of the default system in depression. Consistently with psychodynamic models, psychological functions associated with the default system include self-related processing, semantic processes, and implicit forms of emotion regulation. The abnormal activation of the default system observed in depression may explain the dysfunctional aspects of emotion regulation typical of the condition, such as an exaggerated negative self-focus and rumination on self-esteem issues. We also discuss the clinical implications of these findings with reference to the therapeutic relationship as a key tool for revisiting impaired or distorted representations of the self and relational objects.

  19. Can We Forget What We Know in a False-Belief Task? An Investigation of the True-Belief Default.

    Science.gov (United States)

    Rubio-Fernández, Paula

    2017-01-01

    It has been generally assumed in the Theory of Mind literature of the past 30 years that young children fail standard false-belief tasks because they attribute their own knowledge to the protagonist (what Leslie and colleagues called a "true-belief default"). Contrary to the traditional view, we have recently proposed that the children's bias is task induced. This alternative view was supported by studies showing that 3 year olds are able to pass a false-belief task that allows them to focus on the protagonist, without drawing their attention to the target object in the test phase. For a more accurate comparison of these two accounts, the present study tested the true-belief default with adults. Four experiments measuring eye movements and response inhibition revealed that (a) adults do not have an automatic tendency to respond to the false-belief question according to their own knowledge and (b) the true-belief response need not be inhibited in order to correctly predict the protagonist's actions. The positive results observed in the control conditions confirm the accuracy of the various measures used. I conclude that the results of this study undermine the true-belief default view and those models that posit mechanisms of response inhibition in false-belief reasoning. Alternatively, the present study with adults and recent studies with children suggest that participants' focus of attention in false-belief tasks may be key to their performance. Copyright © 2015 Cognitive Science Society, Inc.

  20. Testing the effect of defaults on the thermostat settings of OECD employees

    International Nuclear Information System (INIS)

    Brown, Zachary; Johnstone, Nick; Haščič, Ivan; Vong, Laura; Barascud, Francis

    2013-01-01

    We describe a randomized controlled experiment in which the default settings on office thermostats in an OECD office building were manipulated during the winter heating season, and employees' chosen thermostat setting observed over a 6-week period. Using difference-in-differences, panel, and censored regression models (to control for maximum allowable thermostat settings), we find that a 1 °C decrease in the default caused a reduction in the chosen setting by 0.38 °C, on average. Sixty-five percent of this effect could be attributed to office occupant behavior (p-value = 0.044). The difference-in-differences models show that small decreases in the default (1°) led to a greater reduction in chosen settings than large decreases (2°). We also find that office occupants who were more apt to adjust their thermostats prior to the intervention were less susceptible to the default. We conclude that this kind of intervention can increase building-level energy efficiency, and discuss potential explanations and broader policy implications of our findings. - Highlights: • We conduct a randomized controlled trial to test if thermostat defaults affect agent behavior. • Two treatments (schedules of default settings) were tested against a control for 6 weeks at OECD. • Small changes in defaults had a greater effect on chosen settings than larger changes in defaults. • Occupants who frequently changed their thermostats in baseline were less affected by defaults. • Thermostat defaults in office environments can be manipulated to increase energy efficiency

  1. Simulated Prism Therapy in Virtual Reality produces larger after-effects than standard prism exposure in normal healthy subject - Implications for Neglect Therapy

    DEFF Research Database (Denmark)

    Wilms, Inge Linda

    2018-01-01

    BACKGROUND: Virtual reality is an important area of exploration within computer-based cognitive rehabilitation of visual neglect. Virtual reality will allow for closer monitoring of patient behaviour during prism adaptation therapy and perhaps change the way we induce prismatic after......-effects. OBJECTIVE: This study compares the effect of two different prism simulation conditions in virtual reality to a standard exposure to prism goggles after one session of Prism Adaptation Therapy in healthy subjects. METHOD: 20 healthy subjects were subjected to one session of prism adaptation therapy under...... three prism conditions: 2 different types of simulated prism techniques in virtual reality and a control session using a set of prism goggles. RESULTS: The study shows that the simulated prism conditions in virtual reality with HTC Vive produced prismatic after-effects larger in size than the after...

  2. Development of exposure scenarios for CERCLA risk assessments at the Savannah River Site

    Energy Technology Data Exchange (ETDEWEB)

    Nix, D.W.; Immel, J.W. [Westinghouse Savannah River Co., Aiken, SC (United States); Phifer, M.A. [Tennessee Univ., Knoxville, TN (United States). Dept. of Civil Engineering

    1992-12-31

    A CERCLA Baseline Risk Assessment (BRA) is performed to determine if there are any potential risks to human health and the environment from waste unit at SRS. The SRS has numerous waste units to evaluate in the RFMU and CMS/FS programs and, in order to provide a consistent approach, four standard exposure scenarios were developed for exposure assessments to be used in human health risk assessments. The standard exposure scenarios are divided into two temporal categories: (a) Current Land Use in the BRA, and (b) Future Land Use in the RERA. The Current Land Use scenarios consist of the evaluation of human health risk for Industrial Exposure (of a worker not involved in waste unit characterization or remediation), a Trespasser, a hypothetical current On-site Resident, and an Off-site Resident. The Future Land Use scenario considers exposure to an On-site Resident following termination of institutional control in the absence of any remedial action (No Action Alternative), as well as evaluating potential remedial alternatives against the four scenarios from the BRA. A critical facet in the development of a BRA or RERA is the scoping of exposure scenarios that reflect actual conditions at a waste unit, rather than using factors such as EPA Standard Default Exposure Scenarios (OSWER Directive 9285.6-03) that are based on upper-bound exposures that tend to reflect worst case conditions. The use of site-specific information for developing risk assessment exposure scenarios will result in a more realistic estimate of Reasonable Maximum Exposure for SRS waste units.

  3. The Relationship Between Insertion Angles, Default Frequency Allocations, and Spiral Ganglion Place Pitch in Cochlear Implants.

    Science.gov (United States)

    Landsberger, David M; Svrakic, Maja; Roland, J Thomas; Svirsky, Mario

    2015-01-01

    Commercially available cochlear implant systems attempt to deliver frequency information going down to a few hundred Hertz, but the electrode arrays are not designed to reach the most apical regions of the cochlea, which correspond to these low frequencies. This may cause a mismatch between the frequencies presented by a cochlear implant electrode array and the frequencies represented at the corresponding location in a normal-hearing cochlea. In the following study, the mismatch between the frequency presented at a given cochlear angle and the frequency expected by an acoustic hearing ear at the corresponding angle is examined for the cochlear implant systems that are most commonly used in the United States. The angular insertion of each of the electrodes on four different electrode arrays (MED-EL Standard, MED-EL Flex28, Advanced Bionics HiFocus 1J, and Cochlear Contour Advance) was estimated from X-ray. For the angular location of each electrode on each electrode array, the predicted spiral ganglion frequency was estimated. The predicted spiral ganglion frequency was compared with the center frequency provided by the corresponding electrode using the manufacturer's default frequency-to-electrode allocation. Differences across devices were observed for the place of stimulation for frequencies below 650 Hz. Longer electrode arrays (i.e., the MED-EL Standard and Flex28) demonstrated smaller deviations from the spiral ganglion map than the other electrode arrays. For insertion angles up to approximately 270°, the frequencies presented at a given location were typically approximately an octave below what would be expected by a spiral ganglion frequency map, while the deviations were larger for angles deeper than 270°. For frequencies above 650 Hz, the frequency to angle relationship was consistent across all four electrode models. A mismatch was observed between the predicted frequency and the default frequency provided by every electrode on all electrode arrays

  4. Childhood poverty and stress reactivity are associated with aberrant functional connectivity in default mode network.

    Science.gov (United States)

    Sripada, Rebecca K; Swain, James E; Evans, Gary W; Welsh, Robert C; Liberzon, Israel

    2014-08-01

    Convergent research suggests that childhood poverty is associated with perturbation in the stress response system. This might extend to aberrations in the connectivity of large-scale brain networks, which subserve key cognitive and emotional functions. Resting-state brain activity was measured in adults with a documented history of childhood poverty (n=26) and matched controls from middle-income families (n=26). Participants also underwent a standard laboratory social stress test and provided saliva samples for cortisol assay. Childhood poverty was associated with reduced default mode network (DMN) connectivity. This, in turn, was associated with higher cortisol levels in anticipation of social stress. These results suggest a possible brain basis for exaggerated stress sensitivity in low-income individuals. Alterations in DMN may be associated with less efficient cognitive processing or greater risk for development of stress-related psychopathology among individuals who experienced the adversity of chronic childhood poverty.

  5. Cognitive and emotional modulation of brain default operation

    DEFF Research Database (Denmark)

    Pallesen, Karen Johanne; Brattico, Elvira; Bailey, Christopher J

    2009-01-01

    cognitive load and emotional stimulus connotation on task-related decreases in the default network by employing an auditory working memory (WM) task with musical sounds. The performance of the WM task, compared to passive listening, lowered the activity in medial and lateral, prefrontal, parietal, temporal......, and limbic regions. In a subset of these regions, the magnitude of decrease depended on the memory load; the greater the cognitive load, the larger the magnitude of the observed decrease. Furthermore, in the right amygdala and the left precuneus, areas previously associated with processing of unpleasant...

  6. Developing a java android application of KMV-Merton default rate model

    Science.gov (United States)

    Yusof, Norliza Muhamad; Anuar, Aini Hayati; Isa, Norsyaheeda Natasha; Zulkafli, Sharifah Nursyuhada Syed; Sapini, Muhamad Luqman

    2017-11-01

    This paper presents a developed java android application for KMV-Merton model in predicting the defaut rate of a firm. Predicting default rate is essential in the risk management area as default risk can be immediately transmitted from one entity to another entity. This is the reason default risk is known as a global risk. Although there are several efforts, instruments and methods used to manage the risk, it is said to be insufficient. To the best of our knowledge, there has been limited innovation in developing the default risk mathematical model into a mobile application. Therefore, through this study, default risk is predicted quantitatively using the KMV-Merton model. The KMV-Merton model has been integrated in the form of java program using the Android Studio Software. The developed java android application is tested by predicting the levels of default risk of the three different rated companies. It is found that the levels of default risk are equivalent to the ratings of the respective companies. This shows that the default rate predicted by the KMV-Merton model using the developed java android application can be a significant tool to the risk mangement field. The developed java android application grants users an alternative to predict level of default risk within less procedure.

  7. Default settings of computerized physician order entry system order sets drive ordering habits.

    Science.gov (United States)

    Olson, Jordan; Hollenbeak, Christopher; Donaldson, Keri; Abendroth, Thomas; Castellani, William

    2015-01-01

    Computerized physician order entry (CPOE) systems are quickly becoming ubiquitous, and groups of orders ("order sets") to allow for easy order input are a common feature. This provides a streamlined mechanism to view, modify, and place groups of related orders. This often serves as an electronic equivalent of a specialty requisition. A characteristic, of these order sets is that specific orders can be predetermined to be "preselected" or "defaulted-on" whenever the order set is used while others are "optional" or "defaulted-off" (though there is typically the option is to "deselect" defaulted-on tests in a given situation). While it seems intuitive that the defaults in an order set are often accepted, additional study is required to understand the impact of these "default" settings in an order set on ordering habits. This study set out to quantify the effect of changing the default settings of an order set. For quality improvement purposes, order sets dealing with transfusions were recently reviewed and modified to improve monitoring of outcome. Initially, the order for posttransfusion hematocrits and platelet count had the default setting changed from "optional" to "preselected." The default settings for platelet count was later changed back to "optional," allowing for a natural experiment to study the effect of the default selections of an order set on clinician ordering habits. Posttransfusion hematocrit values were ordered for 8.3% of red cell transfusions when the default order set selection was "off" and for 57.4% of transfusions when the default selection was "preselected" (P default order set selection was "optional," increased to 59.4% when the default was changed to "preselected" (P default selection was returned to "optional." The posttransfusion platelet count rates during the two "optional" periods: 7.0% versus 7.5% - were not statistically different (P = 0.620). Default settings in CPOE order sets can significantly influence physician selection of

  8. Initial default among sputum-positive pulmonary TB patients at a referral hospital in Uttarakhand, India.

    Science.gov (United States)

    Mehra, Darshan; Kaushik, Rajeev M; Kaushik, Reshma; Rawat, Jagdish; Kakkar, Rajesh

    2013-09-01

    Initial default is a serious issue which can enhance the transmission of TB. We determined the magnitude of and the causative factors for initial default among sputum-positive pulmonary TB (PTB) patients. In this prospective study, 2310 patients attending a referral hospital in Uttarakhand state, north India, with presumptive TB were investigated and 555 patients with sputum-positive PTB were followed-up for initiation of anti-TB treatment (ATT) during 2010-2012. The patients not confirmed as having started ATT were considered initial defaulters. Initial default was seen in 120 (21.6%) patients comprising 22 (18.3%) defaulters during diagnosis and 98 (81.6%) defaulters after referral for directly observed treatment, short-course (DOTS). The initial default rate was significantly higher among patients from rural areas than urban areas, illiterate patients than literate patients and smokeless tobacco-users than non-users (pdefault among patients referred for DOTS were limited trust in DOTS (n = 44, 44.8%), adverse effects of previous ATT (n = 41, 41.8%), dissatisfaction with health services (n = 38, 38.7%), local deaths while taking DOTS (n = 28, 28.5%), advice by others against DOTS (n = 25, 25.5%), disbelief in the diagnosis (n = 18, 18.3%) and patient death before starting treatment (n = 4, 4.0%). A high initial default rate was seen among patients with PTB. There is an urgent need to promote public awareness to lower the initial default rate.

  9. Exposure Standard for Fog Oil

    Science.gov (United States)

    1990-11-15

    Lafontaine, and J.C. Limasset. 1975. Concentrations en hydrocarbures polycycliques aromatiques cancerogenes de quelques huiles minerales . Etude du risque...1976. Hydrocarbures polycycliques aromatiques cancerogenes dans los produits petroliers preventions possibles du cancer des huiles minerales . Inserm

  10. Prefrontal Engagement and Reduced Default Network Suppression Co-occur and Are Dynamically Coupled in Older Adults: The Default-Executive Coupling Hypothesis of Aging.

    Science.gov (United States)

    Turner, Gary R; Spreng, R Nathan

    2015-12-01

    Reduced executive control is a hallmark of neurocognitive aging. Poor modulation of lateral pFC activity in the context of increasing task challenge in old adults and a "failure to deactivate" the default network during cognitive control tasks have been observed. Whether these two patterns represent discrete mechanisms of neurocognitive aging or interact into older adulthood remains unknown. We examined whether altered pFC and default network dynamics co-occur during goal-directed planning over increasing levels of difficulty during performance on the Tower of London task. We used fMRI to investigate task- and age-related changes in brain activation and functional connectivity across four levels of task challenge. Frontoparietal executive control regions were activated and default network regions were suppressed during planning relative to counting performance in both groups. Older adults, unlike young, failed to modulate brain activity in executive control and default regions as planning demands increased. Critically, functional connectivity analyses revealed bilateral dorsolateral pFC coupling in young adults and dorsolateral pFC to default coupling in older adults with increased planning complexity. We propose a default-executive coupling hypothesis of aging. First, this hypothesis suggests that failure to modulate control and default network activity in response to increasing task challenge are linked in older adulthood. Second, functional brain changes involve greater coupling of lateral pFC and the default network as cognitive control demands increase in older adults. We speculate that these changes reflect an adaptive shift in cognitive approach as older adults come to rely more upon stored representations to support goal-directed task performance.

  11. A Predictive Model of Student Loan Default at a Two-Year Community College

    Science.gov (United States)

    Brown, Chanda Denea

    2015-01-01

    This study explored whether a predictive model of student loan default could be developed with data from an institution's three-year cohort default rate report. The study used borrower data provided by a large two-year community college. Independent variables under investigation included total undergraduate Stafford student loan debt, total number…

  12. 24 CFR 985.109 - Default under the Annual Contributions Contract (ACC).

    Science.gov (United States)

    2010-04-01

    ... Contributions Contract (ACC). 985.109 Section 985.109 Housing and Urban Development Regulations Relating to... § 985.109 Default under the Annual Contributions Contract (ACC). HUD may determine that an PHA's failure... required by HUD constitutes a default under the ACC. ...

  13. 47 CFR 51.707 - Default proxies for incumbent LECs' transport and termination rates.

    Science.gov (United States)

    2010-10-01

    ... 47 Telecommunication 3 2010-10-01 2010-10-01 false Default proxies for incumbent LECs' transport... Termination of Telecommunications Traffic § 51.707 Default proxies for incumbent LECs' transport and... traffic, or for specific components included therein, that are consistent with the proxies specified in...

  14. Strength of Default Mode Resting-State Connectivity Relates to White Matter Integrity in Children

    Science.gov (United States)

    Gordon, Evan M.; Lee, Philip S.; Maisog, Jose M.; Foss-Feig, Jennifer; Billington, Michael E.; VanMeter, John; Vaidya, Chandan J.

    2011-01-01

    A default mode network of brain regions is known to demonstrate coordinated activity during the resting state. While the default mode network is well characterized in adults, few investigations have focused upon its development. We scanned 9-13-year-old children with diffusion tensor imaging and resting-state functional magnetic resonance imaging.…

  15. Combining Transcranial Magnetic Stimulation and fMRI to Examine the Default Mode Network

    OpenAIRE

    Halko, Mark A.; Eldaief, Mark C.; Horvath, Jared C.; Pascual-Leone, Alvaro

    2010-01-01

    The default mode network is a group of brain regions that are active when an individual is not focused on the outside world and the brain is at "wakeful rest."1,2,3 It is thought the default mode network corresponds to self-referential or "internal mentation".2,3

  16. 14 CFR 1261.413 - Analysis of costs; automation; prevention of overpayments, delinquencies, or defaults.

    Science.gov (United States)

    2010-01-01

    ... 14 Aeronautics and Space 5 2010-01-01 2010-01-01 false Analysis of costs; automation; prevention of overpayments, delinquencies, or defaults. 1261.413 Section 1261.413 Aeronautics and Space NATIONAL...) § 1261.413 Analysis of costs; automation; prevention of overpayments, delinquencies, or defaults. The...

  17. Fuel Supply Defaults for Regional Fuels and Fuel Wizard Tool in MOVES201X

    Science.gov (United States)

    The fuel supply report documents the data and methodology used to derive the default gasoline, diesel and fuel-blend fuel properties, and their respective fuel market share in MOVES. The default market share of the individual fuels varies by calendar year, seasons, and several do...

  18. 40 CFR 13.19 - Analysis of costs; automation; prevention of overpayments, delinquencies or defaults.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 1 2010-07-01 2010-07-01 false Analysis of costs; automation; prevention of overpayments, delinquencies or defaults. 13.19 Section 13.19 Protection of Environment...; automation; prevention of overpayments, delinquencies or defaults. (a) The Administrator may periodically...

  19. The Influence of Students' Loans Borrowers' Characteristics on Default Rate in Tanzania

    Science.gov (United States)

    Nyahende, Veronica R.

    2013-01-01

    The cost of students' loans defaulting has lead to a serious discussion among participants. Substantial attention has been made on the students' loans and its impact on higher education finances while researches on students' loans defaults have not been taken for more than a decade. Therefore this study examines the influence of student loans…

  20. Factors influencing treatment default among tuberculosis patients in a high burden province of South Africa

    Directory of Open Access Journals (Sweden)

    G. Kigozi

    2017-01-01

    Conclusions: Salient factors influence TB patient treatment default in the Free State Province. Therefore, the strengthening of clinical and programmatic interventions for patients at high risk of treatment default is recommended. In particular, ART provision to co-infected cases facilitates TB treatment adherence and outcomes.

  1. 24 CFR 883.607 - Default by owner and/or agency.

    Science.gov (United States)

    2010-04-01

    ... Agency defaults under Agreement or Contract. The ACC, the Agreement and the Contract will provide that... enter into the Contract. (b) Rights of HUD if Agency defaults under ACC. The ACC will provide that, if...; however, HUD will continue to pay annual contributions in accordance with the terms of the ACC and the...

  2. Default network modulation and large-scale network interactivity in healthy young and old adults.

    Science.gov (United States)

    Spreng, R Nathan; Schacter, Daniel L

    2012-11-01

    We investigated age-related changes in default, attention, and control network activity and their interactions in young and old adults. Brain activity during autobiographical and visuospatial planning was assessed using multivariate analysis and with intrinsic connectivity networks as regions of interest. In both groups, autobiographical planning engaged the default network while visuospatial planning engaged the attention network, consistent with a competition between the domains of internalized and externalized cognition. The control network was engaged for both planning tasks. In young subjects, the control network coupled with the default network during autobiographical planning and with the attention network during visuospatial planning. In old subjects, default-to-control network coupling was observed during both planning tasks, and old adults failed to deactivate the default network during visuospatial planning. This failure is not indicative of default network dysfunction per se, evidenced by default network engagement during autobiographical planning. Rather, a failure to modulate the default network in old adults is indicative of a lower degree of flexible network interactivity and reduced dynamic range of network modulation to changing task demands.

  3. 75 FR 64710 - Joint Public Roundtable on Issues Related to the Clearing of Credit Default Swaps

    Science.gov (United States)

    2010-10-20

    ... COMMODITY FUTURES TRADING COMMISSION SECURITIES AND EXCHANGE COMMISSION [Release No. 34-63112, File No. 4-615] Joint Public Roundtable on Issues Related to the Clearing of Credit Default Swaps... certain issues related to the clearing of Credit Default Swaps in the context of the Agencies rulemaking...

  4. Default network connectivity as a vulnerability marker for obsessive compulsive disorder.

    Science.gov (United States)

    Peng, Z W; Xu, T; He, Q H; Shi, C Z; Wei, Z; Miao, G D; Jing, J; Lim, K O; Zuo, X N; Chan, R C K

    2014-05-01

    Aberrant functional connectivity within the default network is generally assumed to be involved in the pathophysiology of obsessive compulsive disorder (OCD); however, the genetic risk of default network connectivity in OCD remains largely unknown. Here, we systematically investigated default network connectivity in 15 OCD patients, 15 paired unaffected siblings and 28 healthy controls. We sought to examine the profiles of default network connectivity in OCD patients and their siblings, exploring the correlation between abnormal default network connectivity and genetic risk for this population. Compared with healthy controls, OCD patients exhibited reduced strength of default network functional connectivity with the posterior cingulate cortex (PCC), and increased functional connectivity in the right inferior frontal lobe, insula, superior parietal cortex and superior temporal cortex, while their unaffected first-degree siblings only showed reduced local connectivity in the PCC. These findings suggest that the disruptions of default network functional connectivity might be associated with family history of OCD. The decreased default network connectivity in both OCD patients and their unaffected siblings may serve as a potential marker of OCD.

  5. Correlates of default from anti-tuberculosis treatment: a case study using Kenya's electronic data system.

    Science.gov (United States)

    Sitienei, J; Kipruto, H; Mansour, O; Ndisha, M; Hanson, C; Wambu, R; Addona, V

    2015-09-01

    In 2012, the World Health Organization estimated that there were 120,000 new cases and 9500 deaths due to tuberculosis (TB) in Kenya. Almost a quarter of the cases were not detected, and the treatment of 4% of notified cases ended in default. To identify the determinants of anti-tuberculosis treatment default. Data from 2012 and 2013 were retrieved from a national case-based electronic data recording system. A comparison was made between new pulmonary TB patients for whom treatment was interrupted vs. those who successfully completed treatment. A total of 106,824 cases were assessed. Human immunodeficiency virus infection was the single most influential risk factor for default (aOR 2.7). More than 94% of patients received family-based directly observed treatment (DOT) and were more likely to default than patients who received DOT from health care workers (aOR 2.0). Caloric nutritional support was associated with lower default rates (aOR 0.89). Males were more likely to default than females (aOR 1.6). Patients cared for in the private sector were less likely to default than those in the public sector (aOR 0.86). Understanding the factors contributing to default can guide future program improvements and serve as a proxy to understanding the factors that constrain access to care among undetected cases.

  6. The effect of a default-based nudge on the choice of whole wheat bread

    NARCIS (Netherlands)

    Kleef, van Ellen; Seijdell, Karen; Vingerhoeds, Monique H.; Wijk, de René A.; Trijp, van Hans C.M.

    2018-01-01

    Consumer choices are often influenced by the default option presented. This study examines the effect of whole wheat bread as a default option in a sandwich choice situation. Whole wheat bread consists of 100% whole grain and is healthier than other bread types that are commonly consumed, such as

  7. 10 CFR 609.15 - Default, demand, payment, and collateral liquidation.

    Science.gov (United States)

    2010-01-01

    ... 10 Energy 4 2010-01-01 2010-01-01 false Default, demand, payment, and collateral liquidation. 609... PROJECTS THAT EMPLOY INNOVATIVE TECHNOLOGIES § 609.15 Default, demand, payment, and collateral liquidation... Guaranteed Obligation. Such assignment shall include all related liens, security, and collateral rights to...

  8. 10 CFR 611.111 - Default, demand, payment, and collateral liquidation.

    Science.gov (United States)

    2010-01-01

    ... 10 Energy 4 2010-01-01 2010-01-01 false Default, demand, payment, and collateral liquidation. 611... collateral liquidation. (a) In the event that the Borrower has defaulted in the making of required payments.... Attorney General, may seek to foreclose on the collateral assets and/or take such other legal action as...

  9. Assessing Credit with Equity : A CEV Model with Jump to Default

    NARCIS (Netherlands)

    Campi, L.; Polbennikov, S.Y.; Sbuelz, A.

    2005-01-01

    Unlike in structural and reduced-form models, we use equity as a liquid and observable primitive to analytically value corporate bonds and credit default swaps.Restrictive assumptions on the .rm.s capital structure are avoided.Default is parsimoniously represented by equity value hitting the zero

  10. A systematic review of Bisphenol A "low dose" studies in the context of human exposure: a case for establishing standards for reporting "low-dose" effects of chemicals.

    Science.gov (United States)

    Teeguarden, Justin G; Hanson-Drury, Sesha

    2013-12-01

    Human exposure to the chemical Bisphenol A is almost ubiquitous in surveyed industrialized societies. Structural features similar to estrogen confer the ability of Bisphenol A (BPA) to bind estrogen receptors, giving BPA membership in the group of environmental pollutants called endocrine disruptors. References by scientists, the media, political entities, and non-governmental organizations to many toxicity studies as "low dose" has led to the belief that exposure levels in these studies are similar to humans, implying that BPA is toxic to humans at current exposures. Through systematic, objective comparison of our current, and a previous compilation of the "low-dose" literature to multiple estimates of human external and internal exposure levels, we found that the "low-dose" moniker describes exposures covering 8-12 orders of magnitude, the majority (91-99% of exposures) being greater than the upper bound of human exposure in the general infant, child and adult U.S. Population. "low dose" is therefore a descriptor without specific meaning regarding human exposure. Where human exposure data are available, for BPA and other environmental chemicals, reference to toxicity study exposures by direct comparison to human exposure would be more informative, more objective, and less susceptible to misunderstanding. Copyright © 2013 Elsevier Ltd. All rights reserved.

  11. Determinants of Banking Credit Default in Indonesia: A Comparative Analysis

    Directory of Open Access Journals (Sweden)

    Muhammad Imaduddin

    2008-08-01

    Full Text Available This study aims to analyze the determinants of Islamic banking credit default compared with conventional banking in Indonesia. This study utilized timeseries analysis, by which ordinary least square method is adopted. 40 monthly data observations from January 2003 until April 2006 are used. The study is divided into two models, namely Islamic banking model and conventional banking model. The values of non-performing financing (NPF in Islamic banking and non-performing loan (NPL in conventional banking are treated as the dependent variables. The results showed that two-month lagged of non-performing financing (NPF, total asset (ASSET, the amount of thirdparty-funds (TPF, one-month lagged of total financing (DFIN, and growthof gross-domestic product (GDPG variables have significant impact to the ratio of non-performing financing (NPF in Islamic banking. Meanwhile, the three-month lagged of non-performing loan (DDDNPL, total asset (CASSET, three-month as well as two-month period lagged of total loan (DDDCRED and DDCRED, inter-bank money market (PUAB, and growth of gross-domestic (GDPG are significant to influence the ratio of non-performing loan (NPL in conventional banking. The result also implied that the general election in 2004 had a significant influence to the ratio of non-performing financing (NPF in Islamic banking.Even tough from the outset, it seems Islamic banking has a better performance than conventional banking by having a relatively low NPF, this study, however, has found the opposite. Albeit, Islamic banking showing a good long-runas well as short-run dynamics among all variables in the beginning, after modifying the model into autoregressive in the main analysis, results showed that conventional banking has a better performance than Islamic banking with higher correlation of determination. In this regard, we cannot assume thatIslamic banking is performing poorly in managing credit default problems. This is because the result

  12. The brain's default network: origins and implications for the study of psychosis.

    Science.gov (United States)

    Buckner, Randy L

    2013-09-01

    The brain's default network is a set of regions that is spontaneously active during passive moments. The network is also active during directed tasks that require participants to remember past events or imagine upcoming events. One hypothesis is that the network facilitates construction of mental models (simulations) that can be used adaptively in many contexts. Extensive research has considered whether disruption of the default network may contribute to disease. While an intriguing possibility, a specific challenge to this notion is the fact that it is difficult to accurately measure the default network in patients where confounds of head motion and compliance are prominent. Nonetheless, some intriguing recent findings suggest that dysfunctional interactions between front-oparietal control systems and the default network contribute to psychosis. Psychosis may be a network disturbance that manifests as disordered thought partly because it disrupts the fragile balance between the default network and competing brain systems.

  13. Detection of the default mode network by an anisotropic analysis

    Science.gov (United States)

    Forero, Aura; Romero, Eduardo

    2017-11-01

    This document presents a proposal devoted to improve the detection of the default mode network (DMN) in resting state functional magnetic resonance imaging in noisy conditions caused by head movement. The proposed approach is inspired by the hierarchical treatment of information, in particular at the level of the brain basal ganglia. Essentially, the fact that information must be selected and reduced suggests propagation of information in the Central Nervous System (CNS) is anisotropic. Under this hypothesis, the reconstruction of information of activation should follow an anisotropic pattern. In this work, an anisotropic filter is used to recover the DMN that is perturbed by simulated motion artifacts. Results obtained show this approach outperforms the state-of-the-art methods by 5.93% PSNR.

  14. Is religious fundamentalism our default spirituality?: Implications for teacher education

    Directory of Open Access Journals (Sweden)

    Ferdinand J. Potgieter

    2014-07-01

    Full Text Available Using experiential interpretivism as underpinning methodology, this article investigates whether religious fundamentalism is the default spirituality of human beings. Our research is based on a hermeneutic reconstructive interpretation of religion, fundamentalism, radicalism, extremism, spirituality, life- and worldview, and the role of education in bringing about peaceful coexistence amongst people. We concluded that the natural religious-fundamentalist inclination of the human being tends to be (and needs to be counterbalanced by the education – that is, socialisation – that he or she receives from the moment of birth, the important first six or seven years of life, and throughout his or her life. Based on this conclusion, the article ends with the articulation of ten implications for teacher education.

  15. Pharmacotherapy for borderline patients: business as usual or by default?

    Science.gov (United States)

    Ingenhoven, Theo

    2015-04-01

    In their analysis of a representative sample from the Prescribing Observatory for Mental Health in the UK health services, Paton et al found that 92% of patients with borderline personality disorder (BPD) received prescriptions for psychotropic medications. Although international guidelines recommend pharmacotherapy for comorbid psychiatric disorders whenever necessary, 82% of the UK BPD patients without such comorbid conditions nevertheless received pharmacotherapy "by default," mostly off-label polypharmacy without adequate psychiatric controls for effectiveness and tolerability. Business as usual? Bad care? International practice guidelines for the treatment of BPD all recommend evidence-based psychological treatment whenever possible (especially manualized psychotherapy like dialectical behavior therapy, schema-focused therapy, mentalization-based treatment, transference-focused psychotherapy) as the first-choice treatment. © Copyright 2015 Physicians Postgraduate Press, Inc.

  16. Default-mode-like network activation in awake rodents.

    Directory of Open Access Journals (Sweden)

    Jaymin Upadhyay

    Full Text Available During wakefulness and in absence of performing tasks or sensory processing, the default-mode network (DMN, an intrinsic central nervous system (CNS network, is in an active state. Non-human primate and human CNS imaging studies have identified the DMN in these two species. Clinical imaging studies have shown that the pattern of activity within the DMN is often modulated in various disease states (e.g., Alzheimer's, schizophrenia or chronic pain. However, whether the DMN exists in awake rodents has not been characterized. The current data provides evidence that awake rodents also possess 'DMN-like' functional connectivity, but only subsequent to habituation to what is initially a novel magnetic resonance imaging (MRI environment as well as physical restraint. Specifically, the habituation process spanned across four separate scanning sessions (Day 2, 4, 6 and 8. At Day 8, significant (p<0.05 functional connectivity was observed amongst structures such as the anterior cingulate (seed region, retrosplenial, parietal, and hippocampal cortices. Prior to habituation (Day 2, functional connectivity was only detected (p<0.05 amongst CNS structures known to mediate anxiety (i.e., anterior cingulate (seed region, posterior hypothalamic area, amygdala and parabracial nucleus. In relating functional connectivity between cingulate-default-mode and cingulate-anxiety structures across Days 2-8, a significant inverse relationship (r = -0.65, p = 0.0004 was observed between these two functional interactions such that increased cingulate-DMN connectivity corresponded to decreased cingulate anxiety network connectivity. This investigation demonstrates that the cingulate is an important component of both the rodent DMN-like and anxiety networks.

  17. A multiscale method for a robust detection of the default mode network

    Science.gov (United States)

    Baquero, Katherine; Gómez, Francisco; Cifuentes, Christian; Guldenmund, Pieter; Demertzi, Athena; Vanhaudenhuyse, Audrey; Gosseries, Olivia; Tshibanda, Jean-Flory; Noirhomme, Quentin; Laureys, Steven; Soddu, Andrea; Romero, Eduardo

    2013-11-01

    The Default Mode Network (DMN) is a resting state network widely used for the analysis and diagnosis of mental disorders. It is normally detected in fMRI data, but for its detection in data corrupted by motion artefacts or low neuronal activity, the use of a robust analysis method is mandatory. In fMRI it has been shown that the signal-to-noise ratio (SNR) and the detection sensitivity of neuronal regions is increased with di erent smoothing kernels sizes. Here we propose to use a multiscale decomposition based of a linear scale-space representation for the detection of the DMN. Three main points are proposed in this methodology: rst, the use of fMRI data at di erent smoothing scale-spaces, second, detection of independent neuronal components of the DMN at each scale by using standard preprocessing methods and ICA decomposition at scale-level, and nally, a weighted contribution of each scale by the Goodness of Fit measurement. This method was applied to a group of control subjects and was compared with a standard preprocesing baseline. The detection of the DMN was improved at single subject level and at group level. Based on these results, we suggest to use this methodology to enhance the detection of the DMN in data perturbed with artefacts or applied to subjects with low neuronal activity. Furthermore, the multiscale method could be extended for the detection of other resting state neuronal networks.

  18. 34 CFR 668.184 - Determining cohort default rates for institutions that have undergone a change in status.

    Science.gov (United States)

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Determining cohort default rates for institutions that have undergone a change in status. 668.184 Section 668.184 Education Regulations of the Offices of the... ASSISTANCE GENERAL PROVISIONS Two Year Cohort Default Rates § 668.184 Determining cohort default rates for...

  19. Of Religion and Redemption : Evidence from Default on Islamic Loans (Replaces CentER DP 2010-136)

    NARCIS (Netherlands)

    Baele, L.; Farooq, M.; Ongena, S.

    2012-01-01

    Abstract: We compare default rates on conventional and Islamic loans using a comprehensive monthly dataset from Pakistan that follows more than 150,000 loans over the period 2006:04 to 2008:12. We find robust evidence that the default rate on Islamic loans is less than half the default rate on

  20. Radiography exposure

    International Nuclear Information System (INIS)

    Abdul Nassir Ibrahim; Azali Muhammad; Ab. Razak Hamzah; Abd. Aziz Mohamed; Mohamad Pauzi Ismail

    2008-01-01

    This chapter, the reader will introduce with basic knowledge on radiography exposure. All the code and standard must give a specification on density or their range that can accepted. So the result outside the specification usually will be unacceptable and this can effected the time, cost and energy of the radiographer. So, for radiographer, they must work carefully to produce a good result and one way to solve this problem is through good exposure. The more the exposure can make a film darker while the less exposure can make the radiograph not enough density. So, through this chapter, the reader can know detailed how to manage this problem. As mention earlier, this technique is a combination between theories and practical, so, here theory is a main part to make the practical successful.

  1. Risk factors and timing of default from treatment for non-multidrug-resistant tuberculosis in Moldova.

    Science.gov (United States)

    Jenkins, H E; Ciobanu, A; Plesca, V; Crudu, V; Galusca, I; Soltan, V; Cohen, T

    2013-03-01

    The Republic of Moldova, in Eastern Europe, has among the highest reported nationwide proportions of tuberculosis (TB) patients with multidrug-resistant tuberculosis (MDR-TB) worldwide. Default has been associated with increased mortality and amplification of drug resistance, and may contribute to the high MDR-TB rates in Moldova. To assess risk factors and timing of default from treatment for non-MDR-TB from 2007 to 2010. A retrospective analysis of routine surveillance data on all non-MDR-TB patients reported. A total of 14.7% of non-MDR-TB patients defaulted from treatment during the study period. Independent risk factors for default included sociodemographic factors, such as homelessness, living alone, less formal education and spending substantial time outside Moldova in the year prior to diagnosis; and health-related factors such as human immunodeficiency virus co-infection, greater lung pathology and increasing TB drug resistance. Anti-tuberculosis treatment is usually initiated within an institutional setting in Moldova, and the default risk was highest in the month following the phase of hospitalized treatment (among civilians) and after leaving prison (among those diagnosed while incarcerated). Targeted interventions to increase treatment adherence for patients at highest risk of default, and improving the continuity of care for patients transitioning from institutional to community care may substantially reduce risk of default.

  2. Meditation leads to reduced default mode network activity beyond an active task.

    Science.gov (United States)

    Garrison, Kathleen A; Zeffiro, Thomas A; Scheinost, Dustin; Constable, R Todd; Brewer, Judson A

    2015-09-01

    Meditation has been associated with relatively reduced activity in the default mode network, a brain network implicated in self-related thinking and mind wandering. However, previous imaging studies have typically compared meditation to rest, despite other studies having reported differences in brain activation patterns between meditators and controls at rest. Moreover, rest is associated with a range of brain activation patterns across individuals that has only recently begun to be better characterized. Therefore, in this study we compared meditation to another active cognitive task, both to replicate the findings that meditation is associated with relatively reduced default mode network activity and to extend these findings by testing whether default mode activity was reduced during meditation, beyond the typical reductions observed during effortful tasks. In addition, prior studies had used small groups, whereas in the present study we tested these hypotheses in a larger group. The results indicated that meditation is associated with reduced activations in the default mode network, relative to an active task, for meditators as compared to controls. Regions of the default mode network showing a Group × Task interaction included the posterior cingulate/precuneus and anterior cingulate cortex. These findings replicate and extend prior work indicating that the suppression of default mode processing may represent a central neural process in long-term meditation, and they suggest that meditation leads to relatively reduced default mode processing beyond that observed during another active cognitive task.

  3. Implementing Electronic Health Record Default Settings to Reduce Opioid Overprescribing: A Pilot Study.

    Science.gov (United States)

    Zivin, Kara; White, Jessica O; Chao, Sandra; Christensen, Anna L; Horner, Luke; Petersen, Dana M; Hobbs, Morgan R; Capreol, Grace; Halbritter, Kevin A; Jones, Christopher M

    2018-01-09

    To pilot test the effectiveness, feasibility, and acceptability of instituting a 15-pill quantity default in the electronic health record for new Schedule II opioid prescriptions. A mixed-methods pilot study in two health systems, including pre-post analysis of prescribed opioid quantity and focus groups or interviews with prescribers and health system administrators. We implemented a 15-pill electronic health record default for new Schedule II opioids and assessed opioid quantity before and after implementation using electronic health record data on 6,390 opioid prescriptions from 448 prescribers. We then analyzed themes from focus groups and interviews with four staff members and six prescribers. The proportion of opioid prescriptions for 15 pills increased at both sites after adding an electronic health record default, with one reaching statistical significance (from 4.1% to 7.2% at CHC, P = 0.280, and 15.9% to 37.2% at WVU, P default, although ease of implementation varied by electronic health record vendor. Most prescribers were not aware of the default change and stated that they made prescribing decisions based on patient clinical characteristics rather than defaults. This pilot provides initial evidence that changing default settings can increase the number of prescriptions at the default level. This low-cost and relatively simple intervention could have an impact on opioid overprescribing. However, default settings should be selected carefully to avoid unintended consequences. © 2018 American Academy of Pain Medicine. All rights reserved. For permissions, please e-mail: journals.permissions@oup.com

  4. The effect of a default-based nudge on the choice of whole wheat bread.

    Science.gov (United States)

    van Kleef, Ellen; Seijdell, Karen; Vingerhoeds, Monique H; de Wijk, René A; van Trijp, Hans C M

    2018-02-01

    Consumer choices are often influenced by the default option presented. This study examines the effect of whole wheat bread as a default option in a sandwich choice situation. Whole wheat bread consists of 100% whole grain and is healthier than other bread types that are commonly consumed, such as brown or white bread. A pilot survey (N = 291) examined the strength of combinations of toppings and bread type as carrier to select stimuli for the main study. In the main experimental study consisting of a two (bread type) by two (topping type) between-subjects design, participants (N = 226) were given a free sandwich at a university stand with either a relatively unhealthy deep-fried snack (croquette) or a healthy topping. About half of the participants were offered a whole wheat bun unless they asked for white bun, and the other half were offered a white bun unless they asked for a whole wheat bun. Regardless of the topping, the results show that when the whole wheat bun was the default option, 108 out of 115 participants (94%) decided to stick with this default option. When the default of bread offered was white, 89 out of 111 participants (80%) similarly chose to stick with this default. Across conditions, participants felt equally free to make a choice. The attractiveness of and willingness to pay for the sandwich were not affected by default type of bread. This study demonstrated a strong default effect of bread type. This clearly shows the benefit of steering consumers towards a healthier bread choice, by offering healthier default bread at various locations such as restaurants, schools and work place canteens. Copyright © 2017 Elsevier Ltd. All rights reserved.

  5. Multiscale Analysis on the Pricing of Intensity-Based Defaultable Bonds

    Directory of Open Access Journals (Sweden)

    Sun-Hwa Cho

    2013-01-01

    Full Text Available This paper studies the pricing of intensity-based defaultable bonds where the volatility of default intensity is assumed to be random and driven by two different factors varying on fast and slow time scales. Corrections to the constant intensity of default are obtained and then how these corrections influence the term structure of interest rate derivatives is shown. The results indicate that the fast scale correction produces a more significant impact on the bond price than the slow scale correction and the impact tends to increase as time to maturity increases.

  6. Application of historical Y-12 default radiological activity values to legacy waste

    International Nuclear Information System (INIS)

    Coleman, G.

    2009-01-01

    In June of 2003, Bechtel Jacobs Company LLC tasked Pacific Western Technologies (PWT) to perform a comprehensive audit of the Facility Acceptance Testing/ Container Analysis Tool (FAT-CAT), which is currently administered, by Bechtel Jacobs Company LLC... During this audit, a finding was issued on the subject of assigning historic Y-12 default radiological activity values to radiological containers, having no radiological data. Analysis of default radiological values versus known real radiological values showed the default values to be conservative as a place-holder for containers with no known radiological values. (authors)

  7. Markov Chain Model with Catastrophe to Determine Mean Time to Default of Credit Risky Assets

    Science.gov (United States)

    Dharmaraja, Selvamuthu; Pasricha, Puneet; Tardelli, Paola

    2017-11-01

    This article deals with the problem of probabilistic prediction of the time distance to default for a firm. To model the credit risk, the dynamics of an asset is described as a function of a homogeneous discrete time Markov chain subject to a catastrophe, the default. The behaviour of the Markov chain is investigated and the mean time to the default is expressed in a closed form. The methodology to estimate the parameters is given. Numerical results are provided to illustrate the applicability of the proposed model on real data and their analysis is discussed.

  8. Psychopathic traits associated with abnormal hemodynamic activity in salience and default mode networks during auditory oddball task.

    Science.gov (United States)

    Anderson, Nathaniel E; Maurer, J Michael; Steele, Vaughn R; Kiehl, Kent A

    2018-04-09

    Psychopathy is a personality disorder accompanied by abnormalities in emotional processing and attention. Recent theoretical applications of network-based models of cognition have been used to explain the diverse range of abnormalities apparent in psychopathy. Still, the physiological basis for these abnormalities is not well understood. A significant body of work has examined psychopathy-related abnormalities in simple attention-based tasks, but these studies have largely been performed using electrocortical measures, such as event-related potentials (ERPs), and they often have been carried out among individuals with low levels of psychopathic traits. In this study, we examined neural activity during an auditory oddball task using functional magnetic resonance imaging (fMRI) during a simple auditory target detection (oddball) task among 168 incarcerated adult males, with psychopathic traits assessed via the Hare Psychopathy Checklist-Revised (PCL-R). Event-related contrasts demonstrated that the largest psychopathy-related effects were apparent between the frequent standard stimulus condition and a task-off, implicit baseline. Negative correlations with interpersonal-affective dimensions (Factor 1) of the PCL-R were apparent in regions comprising default mode and salience networks. These findings support models of psychopathy describing impaired integration across functional networks. They additionally corroborate reports which have implicated failures of efficient transition between default mode and task-positive networks. Finally, they demonstrate a neurophysiological basis for abnormal mobilization of attention and reduced engagement with stimuli that have little motivational significance among those with high psychopathic traits.

  9. Univariate and Default Standard Unit Biases in Estimation of Body Weight and Caloric Content

    Science.gov (United States)

    Geier, Andrew B.; Rozin, Paul

    2009-01-01

    College students estimated the weight of adult women from either photographs or a live presentation by a set of models and estimated the calories in 1 of 2 actual meals. The 2 meals had the same items, but 1 had larger portion sizes than the other. The results suggest: (a) Judgments are biased toward transforming the example in question to the…

  10. Development of risk-based nanomaterial groups for occupational exposure control

    Science.gov (United States)

    Kuempel, E. D.; Castranova, V.; Geraci, C. L.; Schulte, P. A.

    2012-09-01

    Given the almost limitless variety of nanomaterials, it will be virtually impossible to assess the possible occupational health hazard of each nanomaterial individually. The development of science-based hazard and risk categories for nanomaterials is needed for decision-making about exposure control practices in the workplace. A possible strategy would be to select representative (benchmark) materials from various mode of action (MOA) classes, evaluate the hazard and develop risk estimates, and then apply a systematic comparison of new nanomaterials with the benchmark materials in the same MOA class. Poorly soluble particles are used here as an example to illustrate quantitative risk assessment methods for possible benchmark particles and occupational exposure control groups, given mode of action and relative toxicity. Linking such benchmark particles to specific exposure control bands would facilitate the translation of health hazard and quantitative risk information to the development of effective exposure control practices in the workplace. A key challenge is obtaining sufficient dose-response data, based on standard testing, to systematically evaluate the nanomaterials' physical-chemical factors influencing their biological activity. Categorization processes involve both science-based analyses and default assumptions in the absence of substance-specific information. Utilizing data and information from related materials may facilitate initial determinations of exposure control systems for nanomaterials.

  11. Development of risk-based nanomaterial groups for occupational exposure control

    International Nuclear Information System (INIS)

    Kuempel, E. D.; Castranova, V.; Geraci, C. L.; Schulte, P. A.

    2012-01-01

    Given the almost limitless variety of nanomaterials, it will be virtually impossible to assess the possible occupational health hazard of each nanomaterial individually. The development of science-based hazard and risk categories for nanomaterials is needed for decision-making about exposure control practices in the workplace. A possible strategy would be to select representative (benchmark) materials from various mode of action (MOA) classes, evaluate the hazard and develop risk estimates, and then apply a systematic comparison of new nanomaterials with the benchmark materials in the same MOA class. Poorly soluble particles are used here as an example to illustrate quantitative risk assessment methods for possible benchmark particles and occupational exposure control groups, given mode of action and relative toxicity. Linking such benchmark particles to specific exposure control bands would facilitate the translation of health hazard and quantitative risk information to the development of effective exposure control practices in the workplace. A key challenge is obtaining sufficient dose–response data, based on standard testing, to systematically evaluate the nanomaterials’ physical–chemical factors influencing their biological activity. Categorization processes involve both science-based analyses and default assumptions in the absence of substance-specific information. Utilizing data and information from related materials may facilitate initial determinations of exposure control systems for nanomaterials.

  12. Lung Cancer Stem Cell Lose Their Stemness Default State after Exposure to Microgravity

    Directory of Open Access Journals (Sweden)

    Maria Elena Pisanu

    2014-01-01

    Full Text Available Microgravity influences cell differentiation by modifying the morphogenetic field in which stem cells are embedded. Preliminary data showed indeed that stem cells are committed to selective differentiation when exposed to real or simulated microgravity. Our study provides evidence that a similar event occurs when cancer stem cells (CSCs are cultured in microgravity. In the same time, a significant increase in apoptosis was recorded: those data point out that microgravity rescues CSCs from their relative quiescent state, inducing CSCs to lose their stemness features, as documented by the decrease in ALDH and the downregulation of both Nanog and Oct-4 genes. Those traits were stably acquired and preserved by CSCs when cells were placed again on a 1 g field. Studies conducted in microgravity on CSCs may improve our understanding of the fundamental role exerted by biophysical forces in cancer cell growth and function.

  13. Post exposure prophylaxis of HIV transmission after occupational ...

    African Journals Online (AJOL)

    2010-03-19

    Mar 19, 2010 ... effective publicity campaigns, compulsory Hepatitis B vaccination and active tracing of HCWs who default follow up after PEP. Introduction. After an occupational injury, healthcare workers (HCW) run a risk of infection with HIV. The WHO estimates that approximately 3 million percutaneous exposures occur.

  14. Reduced Default Mode Connectivity in Adolescents With Conduct Disorder.

    Science.gov (United States)

    Broulidakis, M John; Fairchild, Graeme; Sully, Kate; Blumensath, Thomas; Darekar, Angela; Sonuga-Barke, Edmund J S

    2016-09-01

    Conduct disorder (CD) is characterized by impulsive, aggressive, and antisocial behaviors that might be related to deficits in empathy and moral reasoning. The brain's default mode network (DMN) has been implicated in self-referential cognitive processes of this kind. This study examined connectivity between key nodes of the DMN in 29 adolescent boys with CD and 29 age- and sex-matched typically developing adolescent boys. The authors ensured that group differences in DMN connectivity were not explained by comorbidity with other disorders by systematically controlling for the effects of substance use disorders (SUDs), attention-deficit/hyperactivity disorder (ADHD) symptoms, psychopathic traits, and other common mental health problems. Only after adjusting for co-occurring ADHD symptoms, the group with CD showed hypoconnectivity between core DMN regions compared with typically developing controls. ADHD symptoms were associated with DMN hyperconnectivity. There was no effect of psychopathic traits on DMN connectivity in the group with CD, and the key results were unchanged when controlling for SUDs and other common mental health problems. Future research should directly investigate the possibility that the aberrant DMN connectivity observed in the present study contributes to CD-related deficits in empathy and moral reasoning and examine self-referential cognitive processes in CD more generally. Copyright © 2016 American Academy of Child and Adolescent Psychiatry. All rights reserved.

  15. LORETA EEG phase reset of the default mode network.

    Science.gov (United States)

    Thatcher, Robert W; North, Duane M; Biver, Carl J

    2014-01-01

    The purpose of this study was to explore phase reset of 3-dimensional current sources in Brodmann areas located in the human default mode network (DMN) using Low Resolution Electromagnetic Tomography (LORETA) of the human electroencephalogram (EEG). The EEG was recorded from 19 scalp locations from 70 healthy normal subjects ranging in age from 13 to 20 years. A time point by time point computation of LORETA current sources were computed for 14 Brodmann areas comprising the DMN in the delta frequency band. The Hilbert transform of the LORETA time series was used to compute the instantaneous phase differences between all pairs of Brodmann areas. Phase shift and lock durations were calculated based on the 1st and 2nd derivatives of the time series of phase differences. Phase shift duration exhibited three discrete modes at approximately: (1) 25 ms, (2) 50 ms, and (3) 65 ms. Phase lock duration present primarily at: (1) 300-350 ms and (2) 350-450 ms. Phase shift and lock durations were inversely related and exhibited an exponential change with distance between Brodmann areas. The results are explained by local neural packing density of network hubs and an exponential decrease in connections with distance from a hub. The results are consistent with a discrete temporal model of brain function where anatomical hubs behave like a "shutter" that opens and closes at specific durations as nodes of a network giving rise to temporarily phase locked clusters of neurons for specific durations.

  16. Gamification of Learning Deactivates the Default Mode Network.

    Science.gov (United States)

    Howard-Jones, Paul A; Jay, Tim; Mason, Alice; Jones, Harvey

    2015-01-01

    We hypothesized that embedding educational learning in a game would improve learning outcomes, with increased engagement and recruitment of cognitive resources evidenced by increased activation of working memory network (WMN) and deactivation of default mode network (DMN) regions. In an fMRI study, we compared activity during periods of learning in three conditions that were increasingly game-like: Study-only (when periods of learning were followed by an exemplar question together with its correct answer), Self-quizzing (when periods of learning were followed by a multiple choice question in return for a fixed number of points) and Game-based (when, following each period of learning, participants competed with a peer to answer the question for escalating, uncertain rewards). DMN hubs deactivated as conditions became more game-like, alongside greater self-reported engagement and, in the Game-based condition, higher learning scores. These changes did not occur with any detectable increase in WMN activity. Additionally, ventral striatal activation was associated with responding to questions and receiving positive question feedback. Results support the significance of DMN deactivation for educational learning, and are aligned with recent evidence suggesting DMN and WMN activity may not always be anti-correlated.

  17. Bogen's Critique of Linear-No-Threshold Default Assumptions.

    Science.gov (United States)

    Crump, Kenny S

    2017-10-01

    In an article recently published in this journal, Bogen (1) concluded that an NRC committee's recommendations that default linear, nonthreshold (LNT) assumptions be applied to dose- response assessment for noncarcinogens and nonlinear mode of action carcinogens are not justified. Bogen criticized two arguments used by the committee for LNT: when any new dose adds to a background dose that explains background levels of risk (additivity to background or AB), or when there is substantial interindividual heterogeneity in susceptibility (SIH) in the exposed human population. Bogen showed by examples that SIH can be false. Herein is outlined a general proof that confirms Bogen's claim. However, it is also noted that SIH leads to a nonthreshold population distribution even if individual distributions all have thresholds, and that small changes to SIH assumptions can result in LNT. Bogen criticizes AB because it only applies when there is additivity to background, but offers no help in deciding when or how often AB holds. Bogen does not contradict the fact that AB can lead to LNT but notes that, even if low-dose linearity results, the response at higher doses may not be useful in predicting the amount of low-dose linearity. Although this is theoretically true, it seems reasonable to assume that generally there is some quantitative relationship between the low-dose slope and the slope suggested at higher doses. Several incorrect or misleading statements by Bogen are noted. © 2016 Society for Risk Analysis.

  18. Prediction of default probability in banking industry using CAMELS index: A case study of Iranian banks

    Directory of Open Access Journals (Sweden)

    Mohammad Khodaei Valahzaghard

    2013-04-01

    Full Text Available This study examines the relationship between CAMELS index and default probability among 20 Iranian banks. The proposed study gathers the necessary information from their financial statements over the period 2005-2011. The study uses logistic regression along with Pearson correlation analysis to consider the relationship between default probability and six independent variables including capital adequacy, asset quality, management quality, earning quality, liquidity quality and sensitivity of market risk. The results indicate that there were no meaningful relationship between default probability and three independent variables including capital adequacy, asset quality and sensitivity of market risk. However, the results of our statistical tests support such relationship between default probability and three other variables including management quality, earning quality and liquidity quality.

  19. Estimating Probability of Default on Peer to Peer Market – Survival Analysis Approach

    Directory of Open Access Journals (Sweden)

    Đurović Andrija

    2017-05-01

    Full Text Available Arguably a cornerstone of credit risk modelling is the probability of default. This article aims is to search for the evidence of relationship between loan characteristics and probability of default on peer-to-peer (P2P market. In line with that, two loan characteristics are analysed: 1 loan term length and 2 loan purpose. The analysis is conducted using survival analysis approach within the vintage framework. Firstly, 12 months probability of default through the cycle is used to compare riskiness of analysed loan characteristics. Secondly, log-rank test is employed in order to compare complete survival period of cohorts. Findings of the paper suggest that there is clear evidence of relationship between analysed loan characteristics and probability of default. Longer term loans are more risky than the shorter term ones and the least risky loans are those used for credit card payoff.

  20. Default Mode Network Connectivity as a Function of Familial and Environmental Risk for Psychotic Disorder

    NARCIS (Netherlands)

    Peeters, Sanne C. T.; van de Ven, Vincent; Gronenschild, Ed H. B. M.; Patel, Ameera X.; Habets, Petra; Goebel, Rainer; van Os, Jim; Marcelis, Machteld; Kahn, Rene; Linszen, Don; Wiersma, Durk; Bruggeman, Richard; Cahn, Wiepke; de Haan, Lieuwe; Krabbendam, Lydia; Myin-Germeys, Inez

    2015-01-01

    Background Research suggests that altered interregional connectivity in specific networks, such as the default mode network (DMN), is associated with cognitive and psychotic symptoms in schizophrenia. In addition, frontal and limbic connectivity alterations have been associated with trauma, drug use

  1. The default network and self-generated thought: component processes, dynamic control, and clinical relevance

    Science.gov (United States)

    Andrews-Hanna, Jessica R.; Smallwood, Jonathan; Spreng, R. Nathan

    2014-01-01

    Though only a decade has elapsed since the default network was first emphasized as being a large-scale brain system, recent years have brought great insight into the network’s adaptive functions. A growing theme highlights the default network as playing a key role in internally-directed—or self-generated—thought. Here, we synthesize recent findings from cognitive science, neuroscience, and clinical psychology to focus attention on two emerging topics as current and future directions surrounding the default network. First, we present evidence that self-generated thought is a multi-faceted construct whose component processes are supported by different subsystems within the network. Second, we highlight the dynamic nature of the default network, emphasizing its interaction with executive control systems when regulating aspects of internal thought. We conclude by discussing clinical implications of disruptions to the integrity of the network, and consider disorders when thought content becomes polarized or network interactions become disrupted or imbalanced. PMID:24502540

  2. How to re-establish Openness as default? Towards a global joint initiative

    NARCIS (Netherlands)

    Stracke, Christian M.

    2017-01-01

    Stracke, C. M. (2016, 14 April). How to re-establish Openness as default? Towards a global joint initiative. Results from the Action Lab at the Open Education Global Conference 2016, Krakow, Poland. More about the Action Lab:

  3. Business Cycle Effects of Credit and Technology Shocks in a DSGE Model with Firm Defaults

    OpenAIRE

    Pesaran, Hashem; Xu, TengTeng

    2011-01-01

    This paper proposes a theoretical framework to analyze the impacts of credit and technology shocks on business cycle dynamics, where firms rely on banks and households for capital financing. Firms are identical ex ante but differ ex post due to different realizations of firm specific technology shocks, possibly leading to default by some firms. The paper advances a new modelling approach for the analysis of financial intermediation and firm defaults that takes account of the financial implica...

  4. Directed connectivity of brain default networks in resting state using GCA and motif.

    Science.gov (United States)

    Jiao, Zhuqing; Wang, Huan; Ma, Kai; Zou, Ling; Xiang, Jianbo

    2017-06-01

    Nowadays, there is a lot of interest in assessing functional interactions between key brain regions. In this paper, Granger causality analysis (GCA) and motif structure are adopted to study directed connectivity of brain default mode networks (DMNs) in resting state. Firstly, the time series of functional magnetic resonance imaging (fMRI) data in resting state were extracted, and the causal relationship values of the nodes representing related brain regions are analyzed in time domain to construct a default network. Then, the network structures were searched from the default networks of controls and patients to determine the fixed connection mode in the networks. The important degree of motif structures in directed connectivity of default networks was judged according to p-value and Z-score. Both node degree and average distance were used to analyze the effect degree an information transfer rate of brain regions in motifs and default networks, and efficiency of the network. Finally, activity and functional connectivity strength of the default brain regions are researched according to the change of energy distributions between the normals and the patients' brain regions. Experimental results demonstrate that, both normal subjects and stroke patients have some corresponding fixed connection mode of three nodes, and the efficiency and power spectrum of the patient's default network is somewhat lower than that of the normal person. In particular, the Right Posterior Cingulate Gyrus (PCG.R) has a larger change in functional connectivity and its activity. The research results verify the feasibility of the application of GCA and motif structure to study the functional connectivity of default networks in resting state.

  5. Portfolio Choice and Partial Default in Emerging Markets: a quantitative analysis

    OpenAIRE

    Kieran Walsh

    2014-01-01

    What are the determinants and economic consequences of cross-border asset positions? I develop a new quantitative portfolio choice model and apply it to emerging market international finance. The model allows for partial default and accommodates trade in a rich set of assets. The latter means I am able to draw distinctions both between debt and equity finance and between gross and net debt. The main contribution is in developing portfolio choice techniques to analyze capital flows and default...

  6. The application of defaults to optimize parents' health-based choices for children.

    Science.gov (United States)

    Loeb, Katharine L; Radnitz, Cynthia; Keller, Kathleen; Schwartz, Marlene B; Marcus, Sue; Pierson, Richard N; Shannon, Michael; DeLaurentis, Danielle

    2017-06-01

    Optimal defaults is a compelling model from behavioral economics and the psychology of human decision-making, designed to shape or "nudge" choices in a positive direction without fundamentally restricting options. The current study aimed to test the effectiveness of optimal (less obesogenic) defaults and parent empowerment priming on health-based decisions with parent-child (ages 3-8) dyads in a community-based setting. Two proof-of-concept experiments (one on breakfast food selections and one on activity choice) were conducted comparing the main and interactive effects of optimal versus suboptimal defaults, and parent empowerment priming versus neutral priming, on parents' health-related choices for their children. We hypothesized that in each experiment, making the default option more optimal will lead to more frequent health-oriented choices, and that priming parents to be the ultimate decision-makers on behalf of their child's health will potentiate this effect. Results show that in both studies, default condition, but not priming condition or the interaction between default and priming, significantly predicted choice (healthier vs. less healthy option). There was also a significant main effect for default condition (and no effect for priming condition or the interaction term) on the quantity of healthier food children consumed in the breakfast experiment. These pilot studies demonstrate that optimal defaults can be practicably implemented to improve parents' food and activity choices for young children. Results can inform policies and practices pertaining to obesogenic environmental factors in school, restaurant, and home environments. Copyright © 2017 Elsevier Ltd. All rights reserved.

  7. Extrapolation for exposure duration in oral toxicity: A quantitative analysis of historical toxicity data

    NARCIS (Netherlands)

    Groeneveld, C.N.; Hakkert, B.C.; Bos, P.M.J.; Heer, C.de

    2004-01-01

    For human risk assessment, experimental data often have to be extrapolated for exposure duration, which is generally done by means of default values. The purpose of the present study was twofold. First, to derive a statistical distribution for differences in exposure duration that can be used in a

  8. Qualitative study of perceived causes of tuberculosis treatment default among health care workers in Morocco.

    Science.gov (United States)

    Kizub, D; Ghali, I; Sabouni, R; Bourkadi, J E; Bennani, K; El Aouad, R; Dooley, K E

    2012-09-01

    In Morocco, tuberculosis (TB) treatment default is increasing in some urban areas. To provide a detailed description of factors that contribute to patient default and solutions from the point of view of health care professionals who participate in TB care. In-depth interviews were conducted with 62 physicians and nurses at nine regional public pulmonary clinics and local health clinics. Participants had a median of 24 years of experience in health care. Treatment default was seen as a result of multilevel factors related to the patient (lack of means, being a migrant worker, distance to treatment site, poor understanding of treatment, drug use, mental illness), medical team (high patient load, low motivation, lack of resources for tracking defaulters), treatment organization (poor communication between treatment sites, no systematic strategy for patient education or tracking, incomplete record keeping), and health care system and society. Tailored recommendations for low- and higher-cost interventions are provided. Interventions to enhance TB treatment completion should take into account the local context and multilevel factors that contribute to default. Qualitative studies involving health care workers directly involved in TB care can be powerful tools to identify contributing factors and define strategies to help reduce treatment default.

  9. Coding in pigeons: Multiple-coding versus single-code/default strategies.

    Science.gov (United States)

    Pinto, Carlos; Machado, Armando

    2015-05-01

    To investigate the coding strategies that pigeons may use in a temporal discrimination tasks, pigeons were trained on a matching-to-sample procedure with three sample durations (2s, 6s and 18s) and two comparisons (red and green hues). One comparison was correct following 2-s samples and the other was correct following both 6-s and 18-s samples. Tests were then run to contrast the predictions of two hypotheses concerning the pigeons' coding strategies, the multiple-coding and the single-code/default. According to the multiple-coding hypothesis, three response rules are acquired, one for each sample. According to the single-code/default hypothesis, only two response rules are acquired, one for the 2-s sample and a "default" rule for any other duration. In retention interval tests, pigeons preferred the "default" key, a result predicted by the single-code/default hypothesis. In no-sample tests, pigeons preferred the key associated with the 2-s sample, a result predicted by multiple-coding. Finally, in generalization tests, when the sample duration equaled 3.5s, the geometric mean of 2s and 6s, pigeons preferred the key associated with the 6-s and 18-s samples, a result predicted by the single-code/default hypothesis. The pattern of results suggests the need for models that take into account multiple sources of stimulus control. © Society for the Experimental Analysis of Behavior.

  10. Experimental Standards in Sustainability Transitions

    DEFF Research Database (Denmark)

    Hale, Lara Anne

    In this thesis I address how experimental standards are used in the new governance paradigm to further sustainability transitions. Focusing on the case of the Active House standard in the building sector, I investigate experimental standards in three research papers examining the following dynamics......: (1) the relationship between commensuration and legitimacy in the formulation and diffusion of a standard’s specifications; (2) the role of awareness in standardizing green default rules to establish sustainable consumption in buildings; and (3) the significance of focus on humans in the development...... of technological standards for sustainable building. Launching from a critical realist social ontology, I collected ethnographic data on the Active House Alliance, its cofounder VELUX, and three of their demonstration building projects in Austria, Germany, and Belgium over the course of three years from 2013...

  11. Reentrant Information Flow in Electrophysiological Rat Default Mode Network.

    Science.gov (United States)

    Jing, Wei; Guo, Daqing; Zhang, Yunxiang; Guo, Fengru; Valdés-Sosa, Pedro A; Xia, Yang; Yao, Dezhong

    2017-01-01

    Functional MRI (fMRI) studies have demonstrated that the rodent brain shows a default mode network (DMN) activity similar to that in humans, offering a potential preclinical model both for physiological and pathophysiological studies. However, the neuronal mechanism underlying rodent DMN remains poorly understood. Here, we used electrophysiological data to analyze the power spectrum and estimate the directed phase transfer entropy (dPTE) within rat DMN across three vigilance states: wakeful rest (WR), slow-wave sleep (SWS), and rapid-eye-movement sleep (REMS). We observed decreased gamma powers during SWS compared with WR in most of the DMN regions. Increased gamma powers were found in prelimbic cortex, cingulate cortex, and hippocampus during REMS compared with WR, whereas retrosplenial cortex showed a reverse trend. These changed gamma powers are in line with the local metabolic variation of homologous brain regions in humans. In the analysis of directional interactions, we observed well-organized anterior-to-posterior patterns of information flow in the delta band, while opposite patterns of posterior-to-anterior flow were found in the theta band. These frequency-specific opposite patterns were only observed in WR and REMS. Additionally, most of the information senders in the delta band were also the receivers in the theta band, and vice versa. Our results provide electrophysiological evidence that rat DMN is similar to its human counterpart, and there is a frequency-dependent reentry loop of anterior-posterior information flow within rat DMN, which may offer a mechanism for functional integration, supporting conscious awareness.

  12. EEG PHASE RESET OF THE DEFAULT MODE NETWORK

    Directory of Open Access Journals (Sweden)

    Robert W. Thatcher

    2014-07-01

    Full Text Available Objectives: The purpose of this study was to explore phase reset of 3-dimensional current sources located in Brodmann areas located in the human default mode network (DMN using Low Resolution Electromagnetic Tomography (LORETA of the human electroencephalogram (EEG. Methods: The EEG was recorded from 19 scalp locations from 70 healthy normal subjects ranging in age from 13 to 20 years. A time point by time point computation of LORETA current sources were computed for 14 Brodman areas comprising the DMN in the delta frequency band. The Hilbert transform of the LORETA time series was used to compute the instantaneous phase differences between all pairs of Brodmann areas. Phase shift and lock durations were calculated based on the 1st & 2nd derivatives of the time series of phase differences. Results: Phase shift duration exhibited three discrete modes at approximately: 1- 30 msec,, 2- 55 msec and, 3- 65 msec. Phase lock duration present primarily at: 1- 300 to 350 msec and, 2- 350 msec to 450 msec. Phase shift and lock durations were inversely related and exhibited an exponential change with distance between Brodmann areas. Conclusions: The results are explained by local neural packing density of network hubs and an exponential decrease in connections with distance from a hub. The results are consistent with a discrete temporal model of brain function where anatomical hubs behave like a ‘shutter’ that opens and closes at specific durations as nodes of a network giving rise to temporarily phase locked clusters of neurons for specific durations.

  13. Default Mode Network Mechanisms of Transcranial Magnetic Stimulation in Depression

    Science.gov (United States)

    Liston, Conor; Chen, Ashley C.; Zebley, Benjamin D.; Drysdale, Andrew T.; Gordon, Rebecca; Leuchter, Bruce; Voss, Henning U.; Casey, B.J.; Etkin, Amit; Dubin, Marc J.

    2014-01-01

    Background Repetitive transcranial magnetic stimulation (TMS) of the dorsolateral prefrontal cortex (DLPFC) is an established treatment for depression, but its underlying mechanism of action remains unknown. Abnormalities in two large-scale neuronal networks—the frontoparietal central executive network (CEN) and the medial prefrontal-medial parietal default mode network (DMN)—are consistent findings in depression and potential therapeutic targets for TMS. Here, we assessed the impact of TMS on activity in these networks and their relation to treatment response. Methods We used resting state functional magnetic resonance imaging (rs-fMRI) to measure functional connectivity within and between the DMN and CEN in 17 depressed patients, before and after a five-week course of TMS. Motivated by prior reports, we focused on connectivity seeded from the DLPFC and the subgenual cingulate, a key region closely aligned with the DMN in depression. Connectivity was also compared to a cohort of 35 healthy controls. Results Prior to treatment, functional connectivity in depressed patients was abnormally elevated within the DMN and diminished within the CEN, and connectivity between these two networks was altered. TMS normalized depression-related subgenual hyperconnectivity in the DMN but did not alter connectivity in the CEN. TMS also induced anticorrelated connectivity between the DLPFC and medial prefrontal DMN nodes. Baseline subgenual connectivity predicted subsequent clinical improvement. Conclusions TMS selectively modulates functional connectivity both within and between the CEN and DMN, and modulation of subgenual cingulate connectivity may play an important mechanistic role in alleviating depression. The results also highlight potential neuroimaging biomarkers for predicting treatment response. PMID:24629537

  14. Paying for Default: Change over Time in the Share of Federal Financial Aid Sent to Institutions with High Student Loan Default Rates

    Science.gov (United States)

    Jaquette, Ozan; Hillman, Nicholas W.

    2015-01-01

    Both federal spending on financial aid and student loan default rates have increased over the past decade. These trends have intensified policymakers' concerns that some postsecondary institutions-- particularly in the for-profit sector--maximize revenue derived from federal financial aid without helping students to graduate or find employment.…

  15. Virtual reality exposure therapy

    OpenAIRE

    Rothbaum, BO; Hodges, L; Kooper, R

    1997-01-01

    It has been proposed that virtual reality (VR) exposure may be an alternative to standard in vivo exposure. Virtual reality integrates real-time computer graphics, body tracking devices, visual displays, and other sensory input devices to immerse a participant in a computer- generated virtual environment. Virtual reality exposure is potentially an efficient and cost-effective treatment of anxiety disorders. VR exposure therapy reduced the fear of heights in the first control...

  16. Accounting for human variability and sensitivity in setting standards for electromagnetic fields.

    Science.gov (United States)

    Bailey, William H; Erdreich, Linda S

    2007-06-01

    Biological sensitivity and variability are key issues for risk assessment and standard setting. Variability encompasses general inter-individual variations in population responses, while sensitivity relates to unusual or extreme responses based on genetic, congenital, medical, or environmental conditions. For risk assessment and standard setting, these factors affect estimates of thresholds for effects and dose-response relationships and inform efforts to protect the more sensitive members of the population, not just the typical or average person. While issues of variability and sensitivity can be addressed by experimental and clinical studies of electromagnetic fields, investigators have paid little attention to these important issues. This paper provides examples that illustrate how default assumptions regarding variability can be incorporated into estimates of 60-Hz magnetic field exposures with no risk of cardiac stimulation and how population thresholds and variability of peripheral nerve stimulation responses at 60-Hz can be estimated from studies of pulsed gradient magnetic fields in magnetic resonance imaging studies. In the setting of standards for radiofrequency exposures, the International Commission for Non-Ionizing Radiation Protection uses inter-individual differences in thermal sensitivity as one of the considerations in the development of "safety factors." However, neither the range of sensitivity nor the sufficiency or excess of the 10-fold and the additional 5-fold safety factors have been assessed quantitatively. Data on the range of responses between median and sensitive individuals regarding heat stress and cognitive function should be evaluated to inform a reassessment of these safety factors and to identify data gaps.

  17. Reality = relevance? Insights from spontaneous modulations of the brain's default network when telling apart reality from fiction.

    Science.gov (United States)

    Abraham, Anna; von Cramon, D Yves

    2009-01-01

    Although human beings regularly experience fictional worlds through activities such as reading novels and watching movies, little is known about what mechanisms underlie our implicit knowledge of the distinction between reality and fiction. The first neuroimaging study to address this issue revealed that the mere exposure to contexts involving real entities compared to fictional characters led to engagement of regions in the anterior medial prefrontal and posterior cingulate cortices (amPFC, PCC). As these core regions of the brain's default network are involved during self-referential processing and autobiographical memory retrieval, it was hypothesized that real entities may be conceptually coded as being more personally relevant to us than fictional characters. In the present functional magnetic resonance imaging (fMRI) study, we directly test the hypothesis that entity-associated personal relevance is the critical factor underlying the differential engagement of these brain regions by comparing the brain's response when processing contexts involving family or friends (high relevance), famous people (medium relevance), or fictional characters (low relevance). In line with predictions, a gradient pattern of activation was observed such that higher entity-associated personal relevance was associated with stronger activation in the amPFC and the PCC. The results of the study have several important implications. Firstly, they provide informed grounds for characterizing the dynamics of reality-fiction distinction. Secondly, they provide further insights into the functions of the amPFC and the PCC. Thirdly, in view of the current debate related to the functional relevance and specificity of brain's default network, they reveal a novel approach by which the functions of this network can be further explored.

  18. Reality = Relevance? Insights from Spontaneous Modulations of the Brain's Default Network when Telling Apart Reality from Fiction

    Science.gov (United States)

    Abraham, Anna; von Cramon, D. Yves

    2009-01-01

    Background Although human beings regularly experience fictional worlds through activities such as reading novels and watching movies, little is known about what mechanisms underlie our implicit knowledge of the distinction between reality and fiction. The first neuroimaging study to address this issue revealed that the mere exposure to contexts involving real entities compared to fictional characters led to engagement of regions in the anterior medial prefrontal and posterior cingulate cortices (amPFC, PCC). As these core regions of the brain's default network are involved during self-referential processing and autobiographical memory retrieval, it was hypothesized that real entities may be conceptually coded as being more personally relevant to us than fictional characters. Methodology/Principal Findings In the present functional magnetic resonance imaging (fMRI) study, we directly test the hypothesis that entity-associated personal relevance is the critical factor underlying the differential engagement of these brain regions by comparing the brain's response when processing contexts involving family or friends (high relevance), famous people (medium relevance), or fictional characters (low relevance). In line with predictions, a gradient pattern of activation was observed such that higher entity-associated personal relevance was associated with stronger activation in the amPFC and the PCC. Conclusions/Significance The results of the study have several important implications. Firstly, they provide informed grounds for characterizing the dynamics of reality-fiction distinction. Secondly, they provide further insights into the functions of the amPFC and the PCC. Thirdly, in view of the current debate related to the functional relevance and specificity of brain's default network, they reveal a novel approach by which the functions of this network can be further explored. PMID:19277108

  19. Aberrant functional connectivity of default-mode network in type 2 diabetes patients.

    Science.gov (United States)

    Cui, Ying; Jiao, Yun; Chen, Hua-Jun; Ding, Jie; Luo, Bing; Peng, Cheng-Yu; Ju, Sheng-Hong; Teng, Gao-Jun

    2015-11-01

    Type 2 diabetes mellitus is associated with increased risk for dementia. Patients with impaired cognition often show default-mode network disruption. We aimed to investigate the integrity of a default-mode network in diabetic patients by using independent component analysis, and to explore the relationship between network abnormalities, neurocognitive performance and diabetic variables. Forty-two patients with type 2 diabetes and 42 well-matched healthy controls were included and underwent resting-state functional MRI in a 3 Tesla unit. Independent component analysis was adopted to extract the default-mode network, including its anterior and posterior components. Z-maps of both sub-networks were compared between the two groups and correlated with each clinical variable. Patients showed increased connectivity around the medial prefrontal cortex in the anterior sub-network, but decreased connectivity around the posterior cingulate cortex in the posterior sub-network. The decreased connectivity in the posterior part was significantly correlated with the score on Complex Figure Test-delay recall test (r = 0.359, p = 0.020), the time spent on Trail-Making Test-part B (r = -0.346, p = 0.025) and the insulin resistance level (r = -0.404, p = 0.024). Dissociation pattern in the default-mode network was found in diabetic patients, which might provide powerful new insights into the neural mechanisms that underlie the diabetes-related cognitive decline. • Type 2 diabetes mellitus is associated with impaired cognition • Default- mode network plays a central role in maintaining normal cognition • Network connectivity within the default mode was disrupted in type 2 diabetes patients • Decreased network connectivity was correlated with cognitive performance and insulin resistance level • Disrupted default-mode network might explain the impaired cognition in diabetic population.

  20. Default-mode network connectivity and white matter burden in late-life depression.

    Science.gov (United States)

    Wu, Minjie; Andreescu, Carmen; Butters, Meryl A; Tamburo, Robert; Reynolds, Charles F; Aizenstein, Howard

    2011-10-31

    The brain's default-mode network has been the focus of intense research. This study characterizes the default-mode network activity in late-life depression and the correlation of the default-mode network activity changes with the white-matter hyperintensities burden. We hypothesized that elderly depressed subjects would have altered default-mode network activity, which would correlate with the increased white-matter hyperintensities burden. Twelve depressed subjects (mean Hamilton Depression Rating Scale 19.8±4.1, mean age 70.5±4.9) and 12 non-depressed, comparison subjects (mean age 69±6.5) were included. Functional magnetic resonance imaging (fMRI) data were collected while subjects performed a low cognitive load, event-related task. We compared the default-mode network activity in these groups (including depressed subjects pre- and post-antidepressant treatment). We analyzed the resting connectivity patterns of the posterior cingulate cortex. Deconvolution was used to evaluate the correlation of resting-state connectivity scores with the white-matter hyperintensities burden. Compared with non-depressed elderly, depressed subjects pretreatment had decreased connectivity in the subgenual anterior cingulate cortex and increased connectivity in the dorsomedial prefrontal cortex and the orbito-frontal cortex. The abnormal connectivity was significantly correlated with the white-matter hyperintensities burden. Remitted elderly depressed subjects had improved functional connectivity compared to pretreatment, although alterations persisted in the anterior cingulate and the prefrontal cortex when remitted elderly depressed subjects were compared with non-depressed elderly. Our study provides evidence for altered default-mode network connectivity in late-life depression. The correlation between white-matter hyperintensities burden and default-mode network connectivity emphasizes the role of vascular changes in late-life depression etiopathogenesis. Copyright © 2011

  1. Default network activation during episodic and semantic memory retrieval: A selective meta-analytic comparison.

    Science.gov (United States)

    Kim, Hongkeun

    2016-01-08

    It remains unclear whether and to what extent the default network subregions involved in episodic memory (EM) and semantic memory (SM) processes overlap or are separated from one another. This study addresses this issue through a controlled meta-analysis of functional neuroimaging studies involving healthy participants. Various EM and SM task paradigms differ widely in the extent of default network involvement. Therefore, the issue at hand cannot be properly addressed without some control for this factor. In this regard, this study employs a two-stage analysis: a preliminary meta-analysis to select EM and SM task paradigms that recruit relatively extensive default network regions and a main analysis to compare the selected task paradigms. Based on a within-EM comparison, the default network contributed more to recollection/familiarity effects than to old/new effects, and based on a within-SM comparison, it contributed more to word/pseudoword effects than to semantic/phonological effects. According to a direct comparison of recollection/familiarity and word/pseudoword effects, each involving a range of default network regions, there were more overlaps than separations in default network subregions involved in these two effects. More specifically, overlaps included the bilateral posterior cingulate/retrosplenial cortex, left inferior parietal lobule, and left anteromedial prefrontal regions, whereas separations included only the hippocampal formation and the parahippocampal cortex region, which was unique to recollection/familiarity effects. These results indicate that EM and SM retrieval processes involving strong memory signals recruit extensive and largely overlapping default network regions and differ mainly in distinct contributions of hippocampus and parahippocampal regions to EM retrieval. Copyright © 2015 Elsevier Ltd. All rights reserved.

  2. Spatio-temporal earthquake risk assessment for the Lisbon Metropolitan Area - A contribution to improving standard methods of population exposure and vulnerability analysis

    Science.gov (United States)

    Freire, Sérgio; Aubrecht, Christoph

    2010-05-01

    The recent 7.0 M earthquake that caused severe damage and destruction in parts of Haiti struck close to 5 PM (local time), at a moment when many people were not in their residences, instead being in their workplaces, schools, or churches. Community vulnerability assessment to seismic hazard relying solely on the location and density of resident-based census population, as is commonly the case, would grossly misrepresent the real situation. In particular in the context of global (climate) change, risk analysis is a research field increasingly gaining in importance whereas risk is usually defined as a function of hazard probability and vulnerability. Assessment and mapping of human vulnerability has however generally been lagging behind hazard analysis efforts. Central to the concept of vulnerability is the issue of human exposure. Analysis of exposure is often spatially tied to administrative units or reference objects such as buildings, spanning scales from the regional level to local studies for small areas. Due to human activities and mobility, the spatial distribution of population is time-dependent, especially in metropolitan areas. Accurately estimating population exposure is a key component of catastrophe loss modeling, one element of effective risk analysis and emergency management. Therefore, accounting for the spatio-temporal dynamics of human vulnerability correlates with recent recommendations to improve vulnerability analyses. Earthquakes are the prototype for a major disaster, being low-probability, rapid-onset, high-consequence events. Lisbon, Portugal, is subject to a high risk of earthquake, which can strike at any day and time, as confirmed by modern history (e.g. December 2009). The recently-approved Special Emergency and Civil Protection Plan (PEERS) is based on a Seismic Intensity map, and only contemplates resident population from the census as proxy for human exposure. In the present work we map and analyze the spatio-temporal distribution of

  3. The linear non threshold conception 'Dose-effect' as a base for standardization of human exposure to ionizing radiation. Arguments pro and con

    International Nuclear Information System (INIS)

    Vassilev, G.

    2000-01-01

    Examples and argument are presented for reconsidering of the application of the threshold conception in low dose risk assessment. Some of the reasons mentioned are: inapplicability of the quantity 'collective dose' for low doses; serious reassessment of risk coefficients for radiation mutagenesis; report on increasing data on the so called hormesis - stimulation and potential effects from exposure of test animals nas humans to low doses of ionizing radiation

  4. Default mode network deactivation during odor-visual association.

    Science.gov (United States)

    Karunanayaka, Prasanna R; Wilson, Donald A; Tobia, Michael J; Martinez, Brittany E; Meadowcroft, Mark D; Eslinger, Paul J; Yang, Qing X

    2017-03-01

    Default mode network (DMN) deactivation has been shown to be functionally relevant for goal-directed cognition. In this study, the DMN's role during olfactory processing was investigated using two complementary functional magnetic resonance imaging (fMRI) paradigms with identical timing, visual-cue stimulation, and response monitoring protocols. Twenty-nine healthy, non-smoking, right-handed adults (mean age = 26 ± 4 years, 16 females) completed an odor-visual association fMRI paradigm that had two alternating odor + visual and visual-only trial conditions. During odor + visual trials, a visual cue was presented simultaneously with an odor, while during visual-only trial conditions the same visual cue was presented alone. Eighteen of the twenty-nine participants (mean age = 27.0 ± 6.0 years, 11 females) also took part in a control no-odor fMRI paradigm that consisted of a visual-only trial condition which was identical to the visual-only trials in the odor-visual association paradigm. Independent Component Analysis (ICA), extended unified structural equation modeling (euSEM), and psychophysiological interaction (PPI) were used to investigate the interplay between the DMN and olfactory network. In the odor-visual association paradigm, DMN deactivation was evoked by both the odor + visual and visual-only trial conditions. In contrast, the visual-only trials in the no-odor paradigm did not evoke consistent DMN deactivation. In the odor-visual association paradigm, the euSEM and PPI analyses identified a directed connectivity between the DMN and olfactory network which was significantly different between odor + visual and visual-only trial conditions. The results support a strong interaction between the DMN and olfactory network and highlights the DMN's role in task-evoked brain activity and behavioral responses during olfactory processing. Hum Brain Mapp 38:1125-1139, 2017. © 2016 Wiley Periodicals, Inc. © 2016 Wiley Periodicals

  5. Reasons for defaulting from childhood immunization program: a qualitative study from Hadiya zone, Southern Ethiopia

    Directory of Open Access Journals (Sweden)

    Asamnew Zewdie

    2016-12-01

    Full Text Available Abstract Background Reduction of mortality and morbidity from vaccine-preventable diseases in developing countries involves successfully implementing strategies that ensure high coverage and minimize drop-outs and missed opportunities. Achieving maximum coverage, however, has been a challenge due to many reasons, including high rates of defaulters from the program. The objective of this study was to explore the reasons behind defaulting from the immunization program. Methods A qualitative study was conducted in two districts of Hadiya zone, Southern Ethiopia between November 2014 and April 2015. A total of twenty-six in-depth interviews were held with mothers of defaulted children aged 6-11months old and key informants from the communities, health centers, and health offices. Observations and review of relevant documents were also conducted. Thematic analysis was used to analyze the data. Results In this study, the main reason for defaulting from the immunization was inadequate counseling of mothers that led to a lack of information about vaccination schedules and service arrangements, including in unusual circumstances such as after missed appointment, loss of vaccination card and when the health workers failed to make home visits. Provider-client relationships are poor with mothers reporting fear of mistreatment and lack of cooperation from service providers. Contrary to what health workers and managers believe, mothers were knowledgeable about the benefits of vaccination. The high workload on mothers compounded by the lack of support from male partners was also found to contribute to the problem. Health system factors that contributed to the problem were poorly arranged and coordinated immunization services, vaccine and supplies stock outs, and lack of viable defaulter tracking systems in the health facilities. Conclusions The main reasons for defaulting from the immunization program are poor counseling of mothers, unsupportive provider

  6. The dynamic reorganization of the default-mode network during a visual classification task.

    Science.gov (United States)

    Gao, Wei; Gilmore, John H; Alcauter, Sarael; Lin, Weili

    2013-01-01

    The default-mode network has been reported to possess highly versatile and even contrasting functions but the underlying functioning mechanism remains elusive. In this study, we adopt a dynamic view of the default-mode network structure and hypothesize that it could potentially contribute to different functions through dynamic reorganization of its functional interaction pattern within and across network boundaries depending on the ongoing cognitive demands. With four experimental states and functional connectivity magnetic resonance imaging, we show that the default-mode network is characterized by within-network desynchronization and outside-network integration during the transition from resting state to an external visual classification task. Such default-mode network dynamics are task demand-dependent and return to their original status during the transition back to resting. More importantly, the degree of within-network desynchronization correlates with reaction time while the level of outside-network integration indexes task performance accuracy. Overall, the documented dynamic reorganization of the default-mode network and the significant behavioral correlations provide new insights into our understanding of this complex network and emphasize a dynamic view in future studies of its functioning mechanism.

  7. Default mode network links to visual hallucinations: A comparison between Parkinson's disease and multiple system atrophy.

    Science.gov (United States)

    Franciotti, Raffaella; Delli Pizzi, Stefano; Perfetti, Bernardo; Tartaro, Armando; Bonanni, Laura; Thomas, Astrid; Weis, Luca; Biundo, Roberta; Antonini, Angelo; Onofrj, Marco

    2015-08-01

    Studying default mode network activity or connectivity in different parkinsonisms, with or without visual hallucinations, could highlight its roles in clinical phenotypes' expression. Multiple system atrophy is the archetype of parkinsonism without visual hallucinations, variably appearing instead in Parkinson's disease (PD). We aimed to evaluate default mode network functions in multiple system atrophy in comparison with PD. Functional magnetic resonance imaging evaluated default mode network activity and connectivity in 15 multiple system atrophy patients, 15 healthy controls, 15 early PD patients matched for disease duration, 30 severe PD patients (15 with and 15 without visual hallucinations), matched with multiple system atrophy for disease severity. Cortical thickness and neuropsychological evaluations were also performed. Multiple system atrophy had reduced default mode network activity compared with controls and PD with hallucinations, and no differences with PD (early or severe) without hallucinations. In PD with visual hallucinations, activity and connectivity was preserved compared with controls and higher than in other groups. In early PD, connectivity was lower than in controls but higher than in multiple system atrophy and severe PD without hallucinations. Cortical thickness was reduced in severe PD, with and without hallucinations, and correlated only with disease duration. Higher anxiety scores were found in patients without hallucinations. Default mode network activity and connectivity was higher in PD with visual hallucinations and reduced in multiple system atrophy and PD without visual hallucinations. Cortical thickness comparisons suggest that functional, rather than structural, changes underlie the activity and connectivity differences. © 2015 International Parkinson and Movement Disorder Society.

  8. Further evidence of alerted default network connectivity and association with theory of mind ability in schizophrenia.

    Science.gov (United States)

    Mothersill, Omar; Tangney, Noreen; Morris, Derek W; McCarthy, Hazel; Frodl, Thomas; Gill, Michael; Corvin, Aiden; Donohoe, Gary

    2017-06-01

    Resting-state functional magnetic resonance imaging (rs-fMRI) has repeatedly shown evidence of altered functional connectivity of large-scale networks in schizophrenia. The relationship between these connectivity changes and behaviour (e.g. symptoms, neuropsychological performance) remains unclear. Functional connectivity in 27 patients with schizophrenia or schizoaffective disorder, and 25 age and gender matched healthy controls was examined using rs-fMRI. Based on seed regions from previous studies, we examined functional connectivity of the default, cognitive control, affective and attention networks. Effects of symptom severity and theory of mind performance on functional connectivity were also examined. Patients showed increased connectivity between key nodes of the default network including the precuneus and medial prefrontal cortex compared to controls (pdefault regions within the patient group (pdefault hyper-connectivity in schizophrenia spectrum patients and reveals an association between altered default connectivity and positive symptom severity. As a novel find, this study also shows that default connectivity is correlated to and predictive of theory of mind performance. Extending these findings by examining the effects of emerging social cognition treatments on both default connectivity and theory of mind performance is now an important goal for research. Copyright © 2016 Elsevier B.V. All rights reserved.

  9. Altered Functional Connectivity of the Default Mode Network in Low-Empathy Subjects.

    Science.gov (United States)

    Kim, Seung Jun; Kim, Sung Eun; Kim, Hyo Eun; Han, Kiwan; Jeong, Bumseok; Kim, Jae Jin; Namkoong, Kee; Kim, Ji Woong

    2017-09-01

    Empathy is the ability to identify with or make a vicariously experience of another person's feelings or thoughts based on memory and/or self-referential mental simulation. The default mode network in particular is related to self-referential empathy. In order to elucidate the possible neural mechanisms underlying empathy, we investigated the functional connectivity of the default mode network in subjects from a general population. Resting state functional magnetic resonance imaging data were acquired from 19 low-empathy subjects and 18 medium-empathy subjects. An independent component analysis was used to identify the default mode network, and differences in functional connectivity strength were compared between the two groups. The low-empathy group showed lower functional connectivity of the medial prefrontal cortex and anterior cingulate cortex (Brodmann areas 9 and 32) within the default mode network, compared to the medium-empathy group. The results of the present study suggest that empathy is related to functional connectivity of the medial prefrontal cortex/anterior cingulate cortex within the default mode network. Functional decreases in connectivity among low-empathy subjects may reflect an impairment of self-referential mental simulation. © Copyright: Yonsei University College of Medicine 2017.

  10. Interactions between default mode and control networks as a function of increasing cognitive reasoning complexity.

    Science.gov (United States)

    Hearne, Luke; Cocchi, Luca; Zalesky, Andrew; Mattingley, Jason B

    2015-07-01

    Successful performance of challenging cognitive tasks depends on a consistent functional segregation of activity within the default-mode network, on the one hand, and control networks encompassing frontoparietal and cingulo-opercular areas on the other. Recent work, however, has suggested that in some cognitive control contexts nodes within the default-mode and control networks may actually cooperate to achieve optimal task performance. Here, we used functional magnetic resonance imaging to examine whether the ability to relate variables while solving a cognitive reasoning problem involves transient increases in connectivity between default-mode and control regions. Participants performed a modified version of the classic Wason selection task, in which the number of variables to be related is systematically varied across trials. As expected, areas within the default-mode network showed a parametric deactivation with increases in relational complexity, compared with neural activity in null trials. Critically, some of these areas also showed enhanced connectivity with task-positive control regions. Specifically, task-based connectivity between the striatum and the angular gyri, and between the thalamus and right temporal pole, increased as a function of relational complexity. These findings challenge the notion that functional segregation between regions within default-mode and control networks invariably support cognitive task performance, and reveal previously unknown roles for the striatum and thalamus in managing network dynamics during cognitive reasoning. © 2015 Wiley Periodicals, Inc.

  11. Remote effects of hippocampal damage on default network connectivity in the human brain.

    Science.gov (United States)

    Frings, Lars; Schulze-Bonhage, Andreas; Spreer, Joachim; Wagner, Kathrin

    2009-12-01

    In the healthy human brain the hippocampus is known to work in concert with a variety of cortical brain regions. It has recently been linked to the default network of the brain, with the precuneus being its core hub. Here we studied the remote effects of damage to the hippocampus on functional connectivity patterns of the precuneus. From 14 epilepsy patients with selective, unilateral hippocampal sclerosis and 8 healthy control subjects, we acquired functional MRI data during performance of an object-location memory task. We assessed functional connectivity of a functionally defined region in the precuneus, which showed the typical properties of the default network: significant task-related deactivation, which was reduced in patients compared to control subjects. In control subjects, a largely symmetrical pattern of functional coherence to the precuneus emerged, including canonical default network areas such as ventral medial prefrontal cortex, inferior parietal cortex, and the hippocampi. Assessment of group differences within the default network areas revealed reduced connectivity to the precuneus in ipsilesional middle temporal gyrus and hippocampus in left hippocampal sclerosis patients compared to controls. Furthermore, left hippocampal sclerosis patients showed lower connectivity than right hippocampal sclerosis patients in left middle temporal gyrus, ventral medial prefrontal cortex, and left amygdala. We report remote effects of unilateral hippocampal damage on functional connectivity between distant brain regions associated with the default network of the human brain. These preliminary results underline the impact of circumscribed pathology on functionally connected brain regions.

  12. Real Time Pricing as a Default or Optional Service for C&ICustomers: A Comparative Analysis of Eight Case Studies

    Energy Technology Data Exchange (ETDEWEB)

    Barbose, Galen; Goldman, Charles; Bharvirkar, Ranjit; Hopper,Nicole; Ting, Michael; Neenan, Bernie

    2005-08-01

    Demand response (DR) has been broadly recognized to be an integral component of well-functioning electricity markets, although currently underdeveloped in most regions. Among the various initiatives undertaken to remedy this deficiency, public utility commissions (PUC) and utilities have considered implementing dynamic pricing tariffs, such as real-time pricing (RTP), and other retail pricing mechanisms that communicate an incentive for electricity consumers to reduce their usage during periods of high generation supply costs or system reliability contingencies. Efforts to introduce DR into retail electricity markets confront a range of basic policy issues. First, a fundamental issue in any market context is how to organize the process for developing and implementing DR mechanisms in a manner that facilitates productive participation by affected stakeholder groups. Second, in regions with retail choice, policymakers and stakeholders face the threshold question of whether it is appropriate for utilities to offer a range of dynamic pricing tariffs and DR programs, or just ''plain vanilla'' default service. Although positions on this issue may be based primarily on principle, two empirical questions may have some bearing--namely, what level of price response can be expected through the competitive retail market, and whether establishing RTP as the default service is likely to result in an appreciable level of DR? Third, if utilities are to have a direct role in developing DR, what types of retail pricing mechanisms are most appropriate and likely to have the desired policy impact (e.g., RTP, other dynamic pricing options, DR programs, or some combination)? Given a decision to develop utility RTP tariffs, three basic implementation issues require attention. First, should it be a default or optional tariff, and for which customer classes? Second, what types of tariff design is most appropriate, given prevailing policy objectives, wholesale market

  13. Development of exposure scenarios for CERCLA risk assessments at the Savannah River Site (U)

    International Nuclear Information System (INIS)

    Nix, D.W.; Immel, J.W.; Phifer, M.A.

    1992-01-01

    factors such as EPA Standard Default Exposure Scenarios (OSWER Directive 9285.6-03) that are based on upper-bound exposures that tend to reflect worst case conditions. The use of site-specific information for developing risk assessment exposure scenarios will result in a realistic estimate of Reasonable Maximum Exposure for SRS waste units. (author)

  14. Altered Default Network Resting State Functional Connectivity in Patients with a First Episode of Psychosis

    Science.gov (United States)

    Alonso-Solís, Anna; Corripio, Iluminada; de Castro-Manglano, Pilar; Duran-Sindreu, Santiago; Garcia-Garcia, Manuel; Proal, Erika; Nuñez-Marín, Fidel; Soutullo, Cesar; Alvarez, Enric; Gómez-Ansón, Beatriz; Kelly, Clare; Castellanos, F. Xavier

    2012-01-01

    Background Default network (DN) abnormalities have been identified in patients with chronic schizophrenia using “resting state” functional magnetic resonance imaging (R-fMRI). Here, we examined the integrity of the DN in patients experiencing their first episode of psychosis (FEP) compared with sex- and age-matched healthy controls. Methods We collected R-fMRI data from 19 FEP patients (mean age 24.9±4.8 yrs, 14 males) and 19 healthy controls (26.1±4.8 yrs, 14 males) at 3 Tesla. Following standard preprocessing, we examined the functional connectivity (FC) of two DN subsystems and the two DN hubs (P<0.0045, corrected). Results Patients with FEP exhibited abnormal FC that appeared largely restricted to the dorsomedial prefrontal cortex (dMPFC) DN subsystem. Relative to controls, FEP patients exhibited weaker positive FC between dMPFC and posterior cingulate cortex (PCC) and precuneus, extending laterally through the parietal lobe to the posterior angular gyrus. Patients with FEP exhibited weaker negative FC between the lateral temporal cortex and the intracalcarine cortex, bilaterally. The PCC and temporo-parietal junction also exhibited weaker negative FC with the right fusiform gyrus extending to the lingual gyrus and lateral occipital cortex, in FEP patients, compared to controls. By contrast, patients with FEP showed stronger negative FC between the temporal pole and medial motor cortex, anterior precuneus and posterior mid-cingulate cortex. Conclusions Abnormalities in the dMPFC DN subsystem in patients with a FEP suggest that FC patterns are altered even in the early stages of psychosis. PMID:22633527

  15. SU-E-J-36: Comparison of CBCT Image Quality for Manufacturer Default Imaging Modes

    Energy Technology Data Exchange (ETDEWEB)

    Nelson, G [University of Wisconsin, Madison, WI (United States)

    2015-06-15

    Purpose CBCT is being increasingly used in patient setup for radiotherapy. Often the manufacturer default scan modes are used for performing these CBCT scans with the assumption that they are the best options. To quantitatively assess the image quality of these scan modes, all of the scan modes were tested as well as options with the reconstruction algorithm. Methods A CatPhan 504 phantom was scanned on a TrueBeam Linear Accelerator using the manufacturer scan modes (FSRT Head, Head, Image Gently, Pelvis, Pelvis Obese, Spotlight, & Thorax). The Head mode scan was then reconstructed multiple times with all filter options (Smooth, Standard, Sharp, & Ultra Sharp) and all Ring Suppression options (Disabled, Weak, Medium, & Strong). An open source ImageJ tool was created for analyzing the CatPhan 504 images. Results The MTF curve was primarily dictated by the voxel size and the filter used in the reconstruction algorithm. The filters also impact the image noise. The CNR was worst for the Image Gently mode, followed by FSRT Head and Head. The sharper the filter, the worse the CNR. HU varied significantly between scan modes. Pelvis Obese had lower than expected HU values than most while the Image Gently mode had higher than expected HU values. If a therapist tried to use preset window and level settings, they would not show the desired tissue for some scan modes. Conclusion Knowing the image quality of the set scan modes, will enable users to better optimize their setup CBCT. Evaluation of the scan mode image quality could improve setup efficiency and lead to better treatment outcomes.

  16. Diagnosis and dosimetry of exposure to sulfur mustard: Development of a standard operating procedure for hemoglobin adducts: Exploratory research on albumin and keratin adducts

    NARCIS (Netherlands)

    Noort, D.; Fidder, A.; Jong, L.P.A. de; Schans, G.P. van der; Benschop, H.P.

    2000-01-01

    A standard operating procedure (SOP) for determination of the sulfur mustard adduct to the N-terminal valine in hemoglobin was developed. By using this SOP, it was found that the Nterminal valine adduct in globin of hairless guinea pigs and marmosets which had been exposed to sulfur mustard (0.5

  17. Diagnosis and dosimetry of exposure to sulfur mustard: Development of a standard operating procedure for mass spectrometric analysis of haemoglobin adducts - Exploratory research on albumin and keratin adducts

    NARCIS (Netherlands)

    Noort, D.; Fidder, A.; Hulst, A.G.; Jong, L.P.A. de; Benschop, H.P.

    2000-01-01

    Experiments were carried out to develop a standard operating procedure for analysis of sulfur mustard adducts to the N-terminal valine in haemoglobin and to explore adduct formation with albumin and keratin. In the first approach, gas chromatography-negative chemical ionization/mass spectrometry

  18. Optimal Defaults in the Prevention of Pediatric Obesity: From Platform to Practice.

    Science.gov (United States)

    Radnitz, Cynthia; Loeb, Katharine L; DiMatteo, Julie; Keller, Kathleen L; Zucker, Nancy; Schwartz, Marlene B

    2013-12-05

    The term "optimal defaults" refers to imparting pre-selected choices which are designed to produce a desired behavior change. The concept is attractive to policymakers because it steers people toward desirable behaviors while preserving free choice through the ability to opt out. It has been found to be a powerful behavioral determinant in areas such as pension plan enrollment, organ donation, and green energy utilization. We discuss how optimal defaults can be applied to pediatric obesity prevention in several domains including public policy, institutional, private sector, and home environment. Although there are obstacles to overcome in implementing optimal defaults, it is a promising component to incorporate in a multi-level strategy for preventing pediatric obesity.

  19. Risk Profile Indicators and Spanish Banks’ Probability of Default from a Regulatory Approach

    Directory of Open Access Journals (Sweden)

    Pilar Gómez-Fernández-Aguado

    2018-04-01

    Full Text Available This paper analyses the relationships between the traditional bank risk profile indicators and a new measure of banks’ probability of default that considers the Basel regulatory framework. First, based on the SYstemic Model of Bank Originated Losses (SYMBOL, we calculated the individual probabilities of default (PD of a representative sample of Spanish credit institutions during the period of 2008–2016. Then, panel data regressions were estimated to explore the influence of the risk indicators on the PD. Our findings on the Spanish banking system could be important to regulatory and supervisory authorities. First, the PD based on the SYMBOL model could be used to analyse bank risk from a regulatory approach. Second, the results might be useful for designing new regulations focused on the key factors that affect the banks’ probability of default. Third, our findings reveal that the emphasis on regulation and supervision should differ by type of entity.

  20. q-Gaussian distributions of leverage returns, first stopping times, and default risk valuations

    Science.gov (United States)

    Katz, Yuri A.; Tian, Li

    2013-10-01

    We study the probability distributions of daily leverage returns of 520 North American industrial companies that survive de-listing during the financial crisis, 2006-2012. We provide evidence that distributions of unbiased leverage returns of all individual firms belong to the class of q-Gaussian distributions with the Tsallis entropic parameter within the interval 1develop a q-Gaussian generalization of traditional structural models of default. Derived exact analytical expressions for the probability distribution of a first stopping time and its intensity forecast significantly higher probability of default and much wider credit spreads at short time-horizons. Our findings are broadly consistent with the results of empirical studies in equity markets and are essential for single-name default forecasting as well as valuations of portfolio credit risk and economic capital, which might be underestimated by a classic theory of diversified portfolio optimization.

  1. The Brain’s Default Network and its Adaptive Role in Internal Mentation

    Science.gov (United States)

    Andrews-Hanna, Jessica R.

    2013-01-01

    During the many idle moments that comprise daily life, the human brain increases its activity across a set of midline and lateral cortical brain regions known as the “default network.” Despite the robustness with which the brain defaults to this pattern of activity, surprisingly little is known about the network’s precise anatomical organization and adaptive functions. To provide insight into these questions, this article synthesizes recent literature from structural and functional imaging with a growing behavioral literature on mind wandering. Results characterize the default network as a set of interacting hubs and subsystems that play an important role in “internal mentation” – the introspective and adaptive mental activities in which humans spontaneously and deliberately engage in everyday. . PMID:21677128

  2. Governance-Default Risk Relationship and the Demand for Intermediated and Non-Intermediated Debt

    Directory of Open Access Journals (Sweden)

    Husam Aldamen

    2012-09-01

    Full Text Available This paper explores the impact of corporate governance on the demand for intermediated debt (asset finance, bank debt, non-bank private debt and non-intermediated debt (public debt in the Australian debt market. Relative to other countries the Australian debt market is characterised by higher proportions of intermediated or private debt with a lower inherent level of information asymmetry in that private lenders have greater access to financial information (Gray, Koh & Tong 2009. Our firm level, cross-sectional evidence suggests that higher corporate governance impacts demand for debt via the mitigation of default risk. However, this relationship is not uniform across all debt types. Intermediated debt such as bank and asset finance debt are more responsive to changes in governance-default risk relationship than non-bank and non-intermediated debt. The implication is that a firm’s demand for different debt types will reflect its governance-default risk profile.

  3. "No compensation" or "pro compensation": Moore v. Regents and default rules for human tissue donations.

    Science.gov (United States)

    Korobkin, Russell

    2007-01-01

    The much studied case of Moore v. Regents of the University of California is often considered important in property law for denying property rights in human tissue. This widespread misunderstanding of Moore has not only misplaced the legal emphasis of human tissue donations on property law instead of contract law, but has also hindered the creation of a much-needed default rule governing the issue of compensation for donated tissue. While it is possible that the majority of donors rarely consider compensation as an incentive to donate, without a legally recognized default rule the law remains blurred as to what contractual provisions apply to the exchange between donor and researcher. This Article argues that the solution is a weak default rule of no compensation that may be overridden by evidence that the parties intended otherwise.

  4. Redundant mechanisms are involved in suppression of default cell fates during embryonic mesenchyme and notochord induction in ascidians.

    Science.gov (United States)

    Kodama, Hitoshi; Miyata, Yoshimasa; Kuwajima, Mami; Izuchi, Ryoichi; Kobayashi, Ayumi; Gyoja, Fuki; Onuma, Takeshi A; Kumano, Gaku; Nishida, Hiroki

    2016-08-01

    During embryonic induction, the responding cells invoke an induced developmental program, whereas in the absence of an inducing signal, they assume a default uninduced cell fate. Suppression of the default fate during the inductive event is crucial for choice of the binary cell fate. In contrast to the mechanisms that promote an induced cell fate, those that suppress the default fate have been overlooked. Upon induction, intracellular signal transduction results in activation of genes encoding key transcription factors for induced tissue differentiation. It is elusive whether an induced key transcription factor has dual functions involving suppression of the default fates and promotion of the induced fate, or whether suppression of the default fate is independently regulated by other factors that are also downstream of the signaling cascade. We show that during ascidian embryonic induction, default fates were suppressed by multifold redundant mechanisms. The key transcription factor, Twist-related.a, which is required for mesenchyme differentiation, and another independent transcription factor, Lhx3, which is dispensable for mesenchyme differentiation, sequentially and redundantly suppress the default muscle fate in induced mesenchyme cells. Similarly in notochord induction, Brachyury, which is required for notochord differentiation, and other factors, Lhx3 and Mnx, are likely to suppress the default nerve cord fate redundantly. Lhx3 commonly suppresses the default fates in two kinds of induction. Mis-activation of the autonomously executed default program in induced cells is detrimental to choice of the binary cell fate. Multifold redundant mechanisms would be required for suppression of the default fate to be secure. Copyright © 2016 Elsevier Inc. All rights reserved.

  5. Risk factors associated with default among tuberculosis patients in Darjeeling district of West Bengal, India

    Directory of Open Access Journals (Sweden)

    Nirmalya Roy

    2015-01-01

    Full Text Available Background: The treatment outcome "default" under Revised National Tuberculosis Control Program (RNTCP is a patient who after treatment initiation has interrupted treatment consecutively for more than 2 months. Aims: To assess the timing, characteristics and distribution of the reasons for default with relation to some sociodemographic variables among new sputum-positive (NSP tuberculosis (TB patients in Darjeeling District, West Bengal. Settings and Design: A case-control study was conducted in three tuberculosis units (TUs of Darjeeling from August′2011 to December′2011 among NSP TB patients enrolled for treatment in the TB register from 1 st Qtr′09 to 2 nd Qtr′10. Patients defaulted from treatment were considered as "cases" and those completed treatment as "controls" (79 cases and 79 controls. Materials and Methods: The enrolled cases and controls were interviewed by the health workers using a predesigned structured pro-forma. Statistical Analysis Used: Logistic regression analysis, odds ratios (OR, adjusted odds ratios (AOR. Results: 75% of the default occurred in the intensive phase (IP; 54.24% retrieval action was done within 1 day during IP and 75% within 1 week during continuation phase (CP; cent percent of the documented retrieval actions were undertaken by the contractual TB program staffs. Most commonly cited reasons for default were alcohol consumption (29.11%, adverse effects of drugs (25.32%, and long distance of DOT center (21.52%. In the logistic regression analysis, the factors independently associated were consumption of alcohol, inadequate knowledge about TB, inadequate patient provider interaction, instances of missed doses, adverse reactions of anti-TB drugs, Government Directly Observed Treatment (DOT provider and smoking. Conclusions: Most defaults occurred in the intensive phase; pre-treatment counseling and initial home visit play very important role in this regard. Proper counseling by health care workers in

  6. Salience and Default Mode Network Coupling Predicts Cognition in Aging and Parkinson's Disease.

    Science.gov (United States)

    Putcha, Deepti; Ross, Robert S; Cronin-Golomb, Alice; Janes, Amy C; Stern, Chantal E

    2016-02-01

    Cognitive impairment is common in Parkinson's disease (PD). Three neurocognitive networks support efficient cognition: the salience network, the default mode network, and the central executive network. The salience network is thought to switch between activating and deactivating the default mode and central executive networks. Anti-correlated interactions between the salience and default mode networks in particular are necessary for efficient cognition. Our previous work demonstrated altered functional coupling between the neurocognitive networks in non-demented individuals with PD compared to age-matched control participants. Here, we aim to identify associations between cognition and functional coupling between these neurocognitive networks in the same group of participants. We investigated the extent to which intrinsic functional coupling among these neurocognitive networks is related to cognitive performance across three neuropsychological domains: executive functioning, psychomotor speed, and verbal memory. Twenty-four non-demented individuals with mild to moderate PD and 20 control participants were scanned at rest and evaluated on three neuropsychological domains. PD participants were impaired on tests from all three domains compared to control participants. Our imaging results demonstrated that successful cognition across healthy aging and Parkinson's disease participants was related to anti-correlated coupling between the salience and default mode networks. Individuals with poorer performance scores across groups demonstrated more positive salience network/default-mode network coupling. Successful cognition relies on healthy coupling between the salience and default mode networks, which may become dysfunctional in PD. These results can help inform non-pharmacological interventions (repetitive transcranial magnetic stimulation) targeting these specific networks before they become vulnerable in early stages of Parkinson's disease.

  7. Connectivity trajectory across lifespan differentiates the precuneus from the default network.

    Science.gov (United States)

    Yang, Zhi; Chang, Catie; Xu, Ting; Jiang, Lili; Handwerker, Daniel A; Castellanos, F Xavier; Milham, Michael P; Bandettini, Peter A; Zuo, Xi-Nian

    2014-04-01

    The default network of the human brain has drawn much attention due to its relevance to various brain disorders, cognition, and behavior. However, its functional components and boundaries have not been precisely defined. There is no consensus as to whether the precuneus, a hub in the functional connectome, acts as part of the default network. This discrepancy is more critical for brain development and aging studies: it is not clear whether age has a stronger impact on the default network or precuneus, or both. We used Generalized Ranking and Averaging Independent Component Analysis by Reproducibility (gRAICAR) to investigate the lifespan trajectories of intrinsic functional networks. By estimating individual-specific spatial components and aligning them across subjects, gRAICAR measures the spatial variation of component maps across a population without constraining the same components to appear in every subject. In a cross-lifespan fMRI dataset (N=126, 7-85years old), we observed stronger age dependence in the spatial pattern of a precuneus-dorsal posterior cingulate cortex network compared to the default network, despite the fact that the two networks exhibit considerable spatial overlap and temporal correlation. These results remained even when analyses were restricted to a subpopulation with very similar head motion across age. Our analyses further showed that the two networks tend to merge with increasing age. Post-hoc analyses of functional connectivity confirmed the distinguishable cross-lifespan trajectories between the two networks. Based on these observations, we proposed a dynamic model of cross-lifespan functional segregation and integration between the two networks, suggesting that the precuneus network may have a different functional role than the default network, which declines with age. These findings have implications for understanding the functional roles of the default network, gaining insight into its dynamics throughout life, and guiding

  8. The economy and loss given default: evidence from two UK retail lending data sets

    OpenAIRE

    Mindy Leow; Christophe Mues; Lyn Thomas

    2014-01-01

    Loss given default (LGD) models predict losses as a proportion of the outstanding loan, in the event a debtor goes into default. The literature on corporate sector LGD models suggests LGD is correlated to the economy and so changes in the economy could translate into different predictions of losses. In this work, the role of macroeconomic variables in loan-level retail LGD models is examined by testing the inclusion of macroeconomic variables in two different retail LGD models: a two-stage mo...

  9. HIERtalker: A default hierarchy of high order neural networks that learns to read English aloud

    Energy Technology Data Exchange (ETDEWEB)

    An, Z.G.; Mniszewski, S.M.; Lee, Y.C.; Papcun, G.; Doolen, G.D.

    1988-01-01

    A new learning algorithm based on a default hierarchy of high order neural networks has been developed that is able to generalize as well as handle exceptions. It learns the ''building blocks'' or clusters of symbols in a stream that appear repeatedly and convey certain messages. The default hierarchy prevents a combinatoric explosion of rules. A simulator of such a hierarchy, HIERtalker, has been applied to the conversion of English words to phonemes. Achieved accuracy is 99% for trained words and ranges from 76% to 96% for sets of new words. 8 refs., 4 figs., 1 tab.

  10. An analysis of the effect of currency mismatch on a country’s default risk

    Directory of Open Access Journals (Sweden)

    Janković Irena

    2014-01-01

    Full Text Available The aim of this paper is the measurement of currency mismatch for a selected group of developing and frontier markets in the Central and Eastern Europe and Western Balkan regions and the analysis of the effects of aggregate currency misbalances on particular countries’ risk of default. The empirical tests provided confirm the positive effect of currency mismatch on default risk, which is reflected in the behaviour of yield spreads on the government bonds of the countries under consideration. The higher the negative currency misbalances are, the higher the EMBI spreads appear to be, and vice versa.

  11. Determination of standard data

    International Nuclear Information System (INIS)

    Pychlau, P.

    1986-01-01

    The standard data used for diagnostic radiography refer to the filter system, the Bucky grid, the film type, exposure, and film processing method. The same type of reference data is established for fluoroscopic screen devices, with data on the fluoroscopic exposure time and the area exposure product in addition. The measurements are done in compliance with section 29 X-Ray Ordinance and DIN 6868. (DG) [de

  12. Predictors of Standard Follow-Up Completion after Sexual Exposure to HIV: Five-Year Retrospective Analysis in a French HIV-Infection Care Center.

    Directory of Open Access Journals (Sweden)

    Pierre Gantner

    Full Text Available The care of exposed individuals to HIV remains a challenge regarding follow-up completion and HIV-testing of the partner. Identifying patients with risk of not fulfilling HIV-testing follow-up completion (FC, among patients demanding non-occupational post-exposure prophylaxis (nPEP, may improve clinical practice.A retrospective chart review was conducted in a single French HIV-infection care center. FC predictors were assessed in a multivariate logistic regression model (Likelihood ratios test.Between 2009 and 2013, 646 sexual exposures to HIV were evaluated for nPEP, of which 507 effectively received nPEP (78%. FC rate was 30% (194/646. In the multivariate analysis, FC rates rose with age of exposed individuals (OR, 1.04 [0.25-4.28]; p<0.001 and decreased with the year of sexual exposure (OR, 0.74 [0.65-0.85]; p<0.001. FC was associated with sexual encounter with a sex worker (OR, 4.07 [0.98-16.82]; p<0.001 and nPEP use (OR, 2.69 [2.37-3.06]; p<0.001. nPEP early discontinuation was associated with decreased FC rates (OR, 0.18 [0.08-0.39]; p<0.001. No documented nPEP failure was identified. However, five Men who have Sex with Men (MSM nPEP recipients for unprotected anal receptive intercourse subsequently seroconverted to HIV more than 6 months after nPEP. Seroconversion to HIV was associated with the lack of FC (p = 0.04 and multiple presentations for nPEP over the study period (p = 0.002.We identified significant predictors of not fulfilling sequential HIV-testing. They appear to be linked with a self-perceived HIV risk, especially in young adults recently exposed. Enhanced counseling in targeted individuals with high risk behaviors and using smartphone and internet-based strategies may be interesting retention in care options.

  13. Evaluation of military field-water quality: Volume 6, Infectious organisms of military concern associated with nonconsumptive exposure: Assessment of health risks and recommendations for establishing related standards

    Energy Technology Data Exchange (ETDEWEB)

    Cooper, R.C.; Olivieri, A.W.; Danielson, R.E.; Badger, P.G.

    1986-02-01

    This study is an assessment of the risk of illness due to exposure to water-related (i.e., water-based, water-washed) infectious organisms. The organisms under consideration are Aeromonas spp., Leptospira spp., Pseudomonas spp., Staphylococcus spp., non-cholerae Vibrio spp., Acanthamoeba spp., Balantidium coli, Naegleria spp., Ascaris lumbricoides, Dracunculus medinesis, Schistosoma spp., and the agents responsible for cercarial dermatitis (i.e., Trichobilharzia, Gigantobilharzia, and Austrobilharzia). Evaluation of the risk to disease associated with the above pathogens requires information in specific areas such as dose response, concentration of agents in the environment, and environmental persistence. The existing body of knowledge concerning these agents ranges from speculation to established fact. Unfortunately, areas of information critical to risk assessment are frequently unavailable. Because of this lack of data, the risk assessment presented is semiquantitative and limited to the presentation of an environmental classification scheme. 14 refs., 2 figs., 57 tabs.

  14. Radiation exposure in the follow-up of patients with urolithiasis comparing digital tomosynthesis, non-contrast CT, standard KUB, and IVU.

    Science.gov (United States)

    Astroza, Gaston M; Neisius, Andreas; Wang, Agnes J; Nguyen, Giao; Toncheva, Greta; Wang, Chu; Januzis, Natalie; Lowry, Carolyn; Ferrandino, Michael N; Neville, Amy N; Yoshizumi, Terry T; Preminger, Glenn M; Lipkin, Michael E

    2013-10-01

    To compare the effective doses (EDs) associated with imaging modalities for follow-up of patients with urolithiasis, including stone protocol non-contrast computed tomography (NCCT), kidney, ureter, and bladder radiograph (KUB), intravenous urogram (IVU), and digital tomosynthesis (DT). A validated Monte-Carlo simulation-based software PCXMC 2.0 (STUK) designed for estimation of patient dose from medical X-ray exposures was used to determine the ED for KUB, IVU (KUB scout plus three tomographic images), and DT (two scouts and one tomographic sweep). Simulations were performed using a two-dimensional stationary field onto the corresponding body area of the built-in digital phantom, with actual kVp, mAs, and geometrical parameters of the protocols. The ED for NCCT was determined using an anthropomorphic male phantom that was placed prone on a 64-slice GE Healthcare volume computed tomography (VCT) scanner. High-sensitivity metal oxide semiconductor field effect transistors dosimeters were placed at 20 organ locations and used to measure organ radiation doses. The ED for a stone protocol NCCT was 3.04±0.34 mSv. The ED for a KUB was 0.63 and 1.1 mSv for the additional tomographic film. The total ED for IVU was 3.93 mSv. The ED for DT performed with two scouts and one sweep (14.2°) was 0.83 mSv. Among the different imaging modalities for follow-up of patients with urolithiasis, DT was associated with the least radiation exposure (0.83 mSv). This ED corresponds to a fifth of NCCT or IVU studies. Further studies are needed to demonstrate the sensitivity and specificity of DT for the follow-up of nephrolithiasis patients.

  15. Federal Student Loans: Better Oversight Could Improve Defaulted Loan Rehabilitation. Report to Congressional Requesters. GAO-14-256

    Science.gov (United States)

    Emrey-Arras, Melissa

    2014-01-01

    The Department of Education (Education) relies on collection agencies to assist borrowers in rehabilitating defaulted student loans, which allows borrowers who make nine on-time monthly payments within 10 months to have the default removed from their credit reports. Education works with 22 collection agencies to locate borrowers and explain…

  16. Dynamic Factor Models With Macro, Frailty and Industry Effects for U.S. Default Counts: The Credit Crisis of 2008

    NARCIS (Netherlands)

    Koopman, S.J.; Lucas, A.; Schwaab, B.

    2012-01-01

    We develop a high-dimensional, nonlinear, and non-Gaussian dynamic factor model for the decomposition of systematic default risk conditions into latent components for (1) macroeconomic/financial risk, (2) autonomous default dynamics (frailty), and (3) industry-specific effects. We analyze discrete

  17. 24 CFR 880.507 - Default by PHA and/or owner (private-owner/PHA projects).

    Science.gov (United States)

    2010-04-01

    ... projects). (a) Rights of Owner if PHA defaults under Agreement or Contract. The ACC, the Agreement and the... obligations to enter into the Contract. (b) Rights of HUD if PHA defaults under ACC. The ACC will provide that..., HUD will continue to pay annual contributions in accordance with the terms of the ACC and the Contract...

  18. Determinants of Default from Tuberculosis Treatment among Patients with Drug-Susceptible Tuberculosis in Karachi, Pakistan: A Mixed Methods Study.

    Directory of Open Access Journals (Sweden)

    Natasha Chida

    Full Text Available Non-adherence to tuberculosis therapy can lead to drug resistance, prolonged infectiousness, and death; therefore, understanding what causes treatment default is important. Pakistan has one of the highest burdens of tuberculosis in the world, yet there have been no qualitative studies in Pakistan that have specifically examined why default occurs. We conducted a mixed methods study at a tuberculosis clinic in Karachi to understand why patients with drug-susceptible tuberculosis default from treatment, and to identify factors associated with default. Patients attending this clinic pick up medications weekly and undergo family-supported directly observed therapy.In-depth interviews were administered to 21 patients who had defaulted. We also compared patients who defaulted with those who were cured, had completed, or had failed treatment in 2013.Qualitative analyses showed the most common reasons for default were the financial burden of treatment, and medication side effects and beliefs. The influence of finances on other causes of default was also prominent, as was concern about the effect of treatment on family members. In quantitative analysis, of 2120 patients, 301 (14.2% defaulted. Univariate analysis found that male gender (OR: 1.34, 95% CI: 1.04-1.71, being 35-59 years of age (OR: 1.54, 95% CI: 1.14-2.08, or being 60 years of age or older (OR: 1.84, 95% CI: 1.17-2.88 were associated with default. After adjusting for gender, disease site, and patient category, being 35-59 years of age (aOR: 1.49, 95% CI: 1.10-2.03 or 60 years of age or older (aOR: 1.76, 95% CI: 1.12-2.77 were associated with default.In multivariate analysis age was the only variable associated with default. This lack of identifiable risk factors and our qualitative findings imply that default is complex and often due to extrinsic and medication-related factors. More tolerable medications, improved side effect management, and innovative cost-reduction measures are needed to

  19. Risk factors associated with default from multi- and extensively drug-resistant tuberculosis treatment, Uzbekistan: a retrospective cohort analysis.

    Science.gov (United States)

    Lalor, Maeve K; Greig, Jane; Allamuratova, Sholpan; Althomsons, Sandy; Tigay, Zinaida; Khaemraev, Atadjan; Braker, Kai; Telnov, Oleksander; du Cros, Philipp

    2013-01-01

    The Médecins Sans Frontières project of Uzbekistan has provided multidrug-resistant tuberculosis treatment in the Karakalpakstan region since 2003. Rates of default from treatment have been high, despite psychosocial support, increasing particularly since programme scale-up in 2007. We aimed to determine factors associated with default in multi- and extensively drug-resistant tuberculosis patients who started treatment between 2003 and 2008 and thus had finished approximately 2 years of treatment by the end of 2010. A retrospective cohort analysis of multi- and extensively drug-resistant tuberculosis patients enrolled in treatment between 2003 and 2008 compared baseline demographic characteristics and possible risk factors for default. Default was defined as missing ≥60 consecutive days of treatment (all drugs). Data were routinely collected during treatment and entered in a database. Potential risk factors for default were assessed in univariate analysis using chi-square test and in multivariate analysis with logistic regression. 20% (142/710) of patients defaulted after a median of 6 months treatment (IQR 2.6-9.9). Factors associated with default included severity of resistance patterns (pre-extensively drug-resistant/extensively drug-resistant tuberculosis adjusted odds ratio 0.52, 95%CI: 0.31-0.86), previous default (2.38, 1.09-5.24) and age >45 years (1.77, 1.10-2.87). The default rate was 14% (42/294) for patients enrolled 2003-2006 and 24% (100/416) for 2007-2008 enrolments (p = 0.001). Default from treatment was high and increased with programme scale-up. It is essential to ensure scale-up of treatment is accompanied with scale-up of staff and patient support. A successful first course of tuberculosis treatment is important; patients who had previously defaulted were at increased risk of default and death. The protective effect of severe resistance profiles suggests that understanding disease severity or fear may motivate against default. Targeted

  20. Determinants of Default from Tuberculosis Treatment among Patients with Drug-Susceptible Tuberculosis in Karachi, Pakistan: A Mixed Methods Study.

    Science.gov (United States)

    Chida, Natasha; Ansari, Zara; Hussain, Hamidah; Jaswal, Maria; Symes, Stephen; Khan, Aamir J; Mohammed, Shama

    2015-01-01

    Non-adherence to tuberculosis therapy can lead to drug resistance, prolonged infectiousness, and death; therefore, understanding what causes treatment default is important. Pakistan has one of the highest burdens of tuberculosis in the world, yet there have been no qualitative studies in Pakistan that have specifically examined why default occurs. We conducted a mixed methods study at a tuberculosis clinic in Karachi to understand why patients with drug-susceptible tuberculosis default from treatment, and to identify factors associated with default. Patients attending this clinic pick up medications weekly and undergo family-supported directly observed therapy. In-depth interviews were administered to 21 patients who had defaulted. We also compared patients who defaulted with those who were cured, had completed, or had failed treatment in 2013. Qualitative analyses showed the most common reasons for default were the financial burden of treatment, and medication side effects and beliefs. The influence of finances on other causes of default was also prominent, as was concern about the effect of treatment on family members. In quantitative analysis, of 2120 patients, 301 (14.2%) defaulted. Univariate analysis found that male gender (OR: 1.34, 95% CI: 1.04-1.71), being 35-59 years of age (OR: 1.54, 95% CI: 1.14-2.08), or being 60 years of age or older (OR: 1.84, 95% CI: 1.17-2.88) were associated with default. After adjusting for gender, disease site, and patient category, being 35-59 years of age (aOR: 1.49, 95% CI: 1.10-2.03) or 60 years of age or older (aOR: 1.76, 95% CI: 1.12-2.77) were associated with default. In multivariate analysis age was the only variable associated with default. This lack of identifiable risk factors and our qualitative findings imply that default is complex and often due to extrinsic and medication-related factors. More tolerable medications, improved side effect management, and innovative cost-reduction measures are needed to reduce

  1. Aberrant functional connectivity of default-mode network in type 2 diabetes patients

    International Nuclear Information System (INIS)

    Cui, Ying; Jiao, Yun; Chen, Hua-Jun; Ding, Jie; Luo, Bing; Peng, Cheng-Yu; Ju, Sheng-Hong; Teng, Gao-Jun

    2015-01-01

    Type 2 diabetes mellitus is associated with increased risk for dementia. Patients with impaired cognition often show default-mode network disruption. We aimed to investigate the integrity of a default-mode network in diabetic patients by using independent component analysis, and to explore the relationship between network abnormalities, neurocognitive performance and diabetic variables. Forty-two patients with type 2 diabetes and 42 well-matched healthy controls were included and underwent resting-state functional MRI in a 3 Tesla unit. Independent component analysis was adopted to extract the default-mode network, including its anterior and posterior components. Z-maps of both sub-networks were compared between the two groups and correlated with each clinical variable. Patients showed increased connectivity around the medial prefrontal cortex in the anterior sub-network, but decreased connectivity around the posterior cingulate cortex in the posterior sub-network. The decreased connectivity in the posterior part was significantly correlated with the score on Complex Figure Test-delay recall test (r = 0.359, p = 0.020), the time spent on Trail-Making Test-part B (r = -0.346, p = 0.025) and the insulin resistance level (r = -0.404, p = 0.024). Dissociation pattern in the default-mode network was found in diabetic patients, which might provide powerful new insights into the neural mechanisms that underlie the diabetes-related cognitive decline. (orig.)

  2. Default mode network in the effects of Δ9-Tetrahydrocannabinol (THC on human executive function.

    Directory of Open Access Journals (Sweden)

    Matthijs G Bossong

    Full Text Available Evidence is increasing for involvement of the endocannabinoid system in cognitive functions including attention and executive function, as well as in psychiatric disorders characterized by cognitive deficits, such as schizophrenia. Executive function appears to be associated with both modulation of active networks and inhibition of activity in the default mode network. In the present study, we examined the role of the endocannabinoid system in executive function, focusing on both the associated brain network and the default mode network. A pharmacological functional magnetic resonance imaging (fMRI study was conducted with a placebo-controlled, cross-over design, investigating effects of the endocannabinoid agonist Δ9-tetrahydrocannabinol (THC on executive function in 20 healthy volunteers, using a continuous performance task with identical pairs. Task performance was impaired after THC administration, reflected in both an increase in false alarms and a reduction in detected targets. This was associated with reduced deactivation in a set of brain regions linked to the default mode network, including posterior cingulate cortex and angular gyrus. Less deactivation was significantly correlated with lower performance after THC. Regions that were activated by the continuous performance task, notably bilateral prefrontal and parietal cortex, did not show effects of THC. These findings suggest an important role for the endocannabinoid system in both default mode modulation and executive function. This may be relevant for psychiatric disorders associated with executive function deficits, such as schizophrenia and ADHD.

  3. The Influence of Homebuyer Education on Default and Foreclosure Risk: A Natural Experiment

    Science.gov (United States)

    Brown, Scott R.

    2016-01-01

    The recent housing crisis has generated debate over the benefits and risks of policies and programs promoting homeownership for low and moderate income households. One important facet of this conversation is whether prepurchase homebuyer education (HBE) is effective in reducing default or foreclosure risk. Studies to date have primarily focused on…

  4. Negative mood-induction modulates default mode network resting-state functional connectivity in chronic depression

    NARCIS (Netherlands)

    Renner, F.; Siep, N.; Arntz, A.; van de Ven, V.; Peeters, F.P.M.L.; Quaedflieg, C.W.E.M.; Huibers, M.J.H.

    2017-01-01

    BACKGROUND: The aim of this study was to investigate the effects of sad mood on default mode network (DMN) resting-state connectivity in persons with chronic major depressive disorder (cMDD). METHODS: Participants with a diagnosis of cMDD (n=18) and age, gender and education level matched

  5. Altered resting state connectivity of the default mode network in alexithymia

    NARCIS (Netherlands)

    Liemburg, Edith J.; Swart, Marte; Bruggeman, Richard; Kortekaas, Rudie; Knegtering, Henderikus; Curcic-Blake, Branislava; Aleman, Andre

    Alexithymia is a trait characterized by a diminished capacity to describe and distinguish emotions and to fantasize; it is associated with reduced introspection and problems in emotion processing. The default mode network (DMN) is a network of brain areas that is normally active during rest and

  6. Increased default mode network connectivity and increased regional homogeneity in migraineurs without aura.

    Science.gov (United States)

    Zhang, Jilei; Su, Jingjing; Wang, Mengxing; Zhao, Ying; Yao, Qian; Zhang, Qiting; Lu, Haifeng; Zhang, Hui; Wang, Shuo; Li, Ge-Fei; Wu, Yi-Lan; Liu, Feng-Di; Shi, Yan-Hui; Li, Jianqi; Liu, Jian-Ren; Du, Xiaoxia

    2016-12-01

    The precuneus/posterior cingulate cortex, which has been associated with pain sensitivity, plays a pivotal role in the default mode network. However, information regarding migraine-related alterations in resting-state brain functional connectivity in the default mode network and in local regional spontaneous neuronal activity is not adequate. This study used functional magnetic resonance imaging to acquire resting-state scans in 22 migraineurs without aura and in 22 healthy matched controls. Independent component analysis, a data-driven method, was used to calculate the resting-state functional connectivity of the default mode network in the patient and healthy control groups. Regional homogeneity (ReHo) was used to analyse the local features of spontaneous resting-state brain activity in the migraineurs without aura. Compared with the healthy controls, migraineurs without aura showed increased functional connectivity in the left precuneus/posterior cingulate cortex within the default mode network and significant increase in ReHo values in the bilateral precuneus/posterior cingulate cortex, left pons and trigeminal nerve entry zone. In addition, functional connectivity was decreased between the areas with abnormal ReHo (using the peaks in the precuneus/posterior cingulate cortex) and other brain areas. The abnormalities in the precuneus/posterior cingulate cortex suggest that migraineurs without aura may exhibit information transfer and multimodal integration dysfunction and that pain sensitivity and pian processing may also be affected.

  7. Resting-state connectivity in the default mode network and insula during experimental low back pain.

    Science.gov (United States)

    Zhang, Shanshan; Wu, Wen; Huang, Guozhi; Liu, Ziping; Guo, Shigui; Yang, Jianming; Wang, Kangling

    2014-01-15

    Functional magnetic resonance imaging studies have shown that the insular cortex has a significant role in pain identification and information integration, while the default mode network is associated with cognitive and memory-related aspects of pain perception. However, changes in the functional connectivity between the default mode network and insula during pain remain unclear. This study used 3.0 T functional magnetic resonance imaging scans in 12 healthy subjects aged 24.8 ± 3.3 years to compare the differences in the functional activity and connectivity of the insula and default mode network between the baseline and pain condition induced by intramuscular injection of hypertonic saline. Compared with the baseline, the insula was more functionally connected with the medial prefrontal and lateral temporal cortices, whereas there was lower connectivity with the posterior cingulate cortex, precuneus and inferior parietal lobule in the pain condition. In addition, compared with baseline, the anterior cingulate cortex exhibited greater connectivity with the posterior insula, but lower connectivity with the anterior insula, during the pain condition. These data indicate that experimental low back pain led to dysfunction in the connectivity between the insula and default mode network resulting from an impairment of the regions of the brain related to cognition and emotion, suggesting the importance of the interaction between these regions in pain processing.

  8. On the relationship between the "default mode network" and the "social brain"

    NARCIS (Netherlands)

    Mars, R.B.; Neubert, F.X.; Noonan, M.P.; Sallet, J.; Toni, I.; Rushworth, M.F.S.

    2012-01-01

    The default mode network (DMN) of the brain consists of areas that are typically more active during rest than during active task performance. Recently however, this network has been shown to be activated by certain types of tasks. Social cognition, particularly higher-order tasks such as attributing

  9. An investigation into the functional and structural connectivity of the Default Mode Network

    NARCIS (Netherlands)

    van Oort, E.S.B.; van Cappellen van Walsum, Anne-Marie; Norris, David Gordon

    2014-01-01

    Connectivity analyses based on both resting-state (rs-)fMRI and diffusion weighted imaging studies suggest that the human brain contains regions that act as hubs for the entire brain, and that elements of the Default Mode Network (DMN) play a pivotal role in this network. In the present study, the

  10. Default Mode Network Connectivity in Children with a History of Preschool Onset Depression

    Science.gov (United States)

    Gaffrey, Michael S.; Luby, Joan L.; Botteron, Kelly; Repovs, Grega; Barch, Deanna M.

    2012-01-01

    Background: Atypical Default Mode Network (DMN) functional connectivity has been previously reported in depressed adults. However, there is relatively little data informing the developmental nature of this phenomenon. The current case-control study examined the DMN in a unique prospective sample of school-age children with a previous history of…

  11. Liquidity crisis detection: An application of log-periodic power law structures to default prediction

    Science.gov (United States)

    Wosnitza, Jan Henrik; Denz, Cornelia

    2013-09-01

    We employ the log-periodic power law (LPPL) to analyze the late-2000 financial crisis from the perspective of critical phenomena. The main purpose of this study is to examine whether LPPL structures in the development of credit default swap (CDS) spreads can be used for default classification. Based on the different triggers of Bear Stearns’ near bankruptcy during the late-2000 financial crisis and Ford’s insolvency in 2009, this study provides a quantitative description of the mechanism behind bank runs. We apply the Johansen-Ledoit-Sornette (JLS) positive feedback model to explain the rise of financial institutions’ CDS spreads during the global financial crisis 2007-2009. This investigation is based on CDS spreads of 40 major banks over the period from June 2007 to April 2009 which includes a significant CDS spread increase. The qualitative data analysis indicates that the CDS spread variations have followed LPPL patterns during the global financial crisis. Furthermore, the univariate classification performances of seven LPPL parameters as default indicators are measured by Mann-Whitney U tests. The present study supports the hypothesis that discrete scale-invariance governs the dynamics of financial markets and suggests the application of new and fast updateable default indicators to capture the buildup of long-range correlations between creditors.

  12. Altered default mode network activity in patient with anxiety disorders: An fMRI study

    Energy Technology Data Exchange (ETDEWEB)

    Zhao Xiaohu [Imaging Department of Tong Ji Hospital of Tong Ji University, Shanghai 200065 (China) and Bio-X lab, Department of Physics, Zhe Jiang University, Hangzhou 310027 (China)], E-mail: xhzhao999@263.net; Wang Peijun [Imaging Department of Tong Ji Hospital of Tong Ji University, Shanghai 200065 (China)], E-mail: tongjipjwang@vip.sina.com; Li Chunbo [Department of Psychiatry, Tong Ji Hospital of Tong Ji University, Shanghai 200065 (China)], E-mail: licb@mail.tongji.edu.cn; Hu Zhenghui [Department of Electrical and Engineering, Hong Kong University of Science and Technology, Hong Kong (China)], E-mail: eezhhu@ust.hk; Xi Qian [Imaging Department of Tong Ji Hospital of Tong Ji University, Shanghai 200065 (China)], E-mail: 96125007@sina.com.cn; Wu Wenyuan [Department of Psychiatry, Tong Ji Hospital of Tong Ji University, Shanghai 200065 (China)], E-mail: wuwy@mail.tongji.edu.cn; Tang Xiaowei [Bio-X lab, Department of Physics, Zhe Jiang University, Hangzhou 310027 (China)], E-mail: tangxw@zju.edu.cn

    2007-09-15

    Anxiety disorder, a common mental disorder in our clinical practice, is characterized by unprovoked anxiety. Medial prefrontal cortex (MPFC) and posterior cingulate cortex (PCC), which closely involved in emotional processing, are critical regions in the default mode network. We used functional magnetic resonance imaging (fMRI) to investigate whether default mode network activity is altered in patients with anxiety disorder. Ten anxiety patients and 10 healthy controls underwent fMRI while listening to emotionally neutral words alternating with rest (Experiment 1) and threat-related words alternating with emotionally neutral words (Experiment 2). In Experiment 1, regions of deactivation were observed in patients and controls. In Experiment 2, regions of deactivation were observed only in patients. The observed deactivation patterns in the two experiments, which included MPFC, PCC, and inferior parietal cortex, were similar and consistent with the default model network. Less deactivation in MPFC and greater deactivation in PCC were observed for patients group comparing to controls in Experiment 1. Our observations suggest that the default model network is altered in anxiety patients and dysfunction in MPFC and PCC may play an important role in anxiety psychopathology.

  13. Altered default mode network activity in patient with anxiety disorders: An fMRI study

    International Nuclear Information System (INIS)

    Zhao Xiaohu; Wang Peijun; Li Chunbo; Hu Zhenghui; Xi Qian; Wu Wenyuan; Tang Xiaowei

    2007-01-01

    Anxiety disorder, a common mental disorder in our clinical practice, is characterized by unprovoked anxiety. Medial prefrontal cortex (MPFC) and posterior cingulate cortex (PCC), which closely involved in emotional processing, are critical regions in the default mode network. We used functional magnetic resonance imaging (fMRI) to investigate whether default mode network activity is altered in patients with anxiety disorder. Ten anxiety patients and 10 healthy controls underwent fMRI while listening to emotionally neutral words alternating with rest (Experiment 1) and threat-related words alternating with emotionally neutral words (Experiment 2). In Experiment 1, regions of deactivation were observed in patients and controls. In Experiment 2, regions of deactivation were observed only in patients. The observed deactivation patterns in the two experiments, which included MPFC, PCC, and inferior parietal cortex, were similar and consistent with the default model network. Less deactivation in MPFC and greater deactivation in PCC were observed for patients group comparing to controls in Experiment 1. Our observations suggest that the default model network is altered in anxiety patients and dysfunction in MPFC and PCC may play an important role in anxiety psychopathology

  14. Sovereign defaults, business cycles and economic growth in Latin America, 1870-2012

    NARCIS (Netherlands)

    Boonman, Tjeerd M.

    2013-01-01

    Sovereign debt crises have regained attention since the recent crises in several European countries. This paper focuses on a particular aspect of the debt crisis literature: the impact of sovereign default on economic growth. Previous research agrees on the negative impact, but not on size and

  15. Automatic for the Borrower: How Repayment Based on Income Can Reduce Loan Defaults and Manage Risk

    Science.gov (United States)

    Baum, Sandy; Carew, Diana; Fraire, Jacob; Jacks, Kay; James, Kevin; Madzelan, Daniel; Miller, Scott E.; Simmons, Barry; Thompson, Jessica

    2014-01-01

    When borrowers default on a federal student loan, it can have catastrophic consequences. Their credit scores drop dramatically, severely curtailing their ability to afford a home or a car, and even limiting their ability to sign up for utilities. The cost of their loan rises as late fees pile up. Moreover, the federal government can garnish…

  16. Quantitative Study Examining the Relationship between Demographic Factors and Loan Default among 4-Year College Students

    Science.gov (United States)

    Cobb, Ashley K.

    2017-01-01

    The rate of default on college loans in the United States is staggering and poses a major financial threat not only to the students who are unable to repay their student loans but the U.S. economy. For instance, in 2011, borrowers at nonprofit and for-profit 4-year colleges accounted for almost 50% of all federal loan recipients. College students…

  17. Episodic memory and the role of the brain’s default-mode network

    NARCIS (Netherlands)

    Huijbers, W.

    2010-01-01

    This thesis provides a number of new insights into episodic memory and the role of the default-mode network. First, it provides the first direct evidence for the contrasting role of DMN during encoding and retrieval. Secondly, the experimental findings eliminate several possible explanations for the

  18. Altered default mode and affective network connectivity in stroke patients with and without dysphagia.

    Science.gov (United States)

    Li, Shasha; Zhou, Muke; Yu, Bo; Ma, Zhenxing; Chen, Sihan; Gong, Qiyong; He, Li; Huang, Xiaoqi; Lui, Su; Wang, Xiaotong; Zhou, Dong; He, Chengqi

    2014-02-01

    Neuroimaging studies in stroke patients provide substantial evidence for the involvement of widespread cortical and subcortical regions in the control of swallowing. Although the affective network and the default mode network are functionally related to "autonomic" and "volitional" swallowing, little is known about their functional changes in dysphagic stroke patients. Unbiased seeds functional connectivity analysis was used to study the connectivity patterns of these resting-state networks. Resting-state functional magnetic resonance imaging was performed in stroke patients with (n = 12) and without dysphagia (n = 12). Compared with healthy controls, stroke patients with and without dysphagia had decreased functional connectivity in the default mode network and the affective network. Moreover, stroke patients with dysphagia also had decreased functional connectivity in both the default mode network and the affective network relative to patients without dysphagia. The difference in the extent of impairment in the default mode network and affective network of stroke patients with and without dysphagia may lead to improved understanding of the neuropathophysiological mechanism and rehabilitation of dysphagia.

  19. Default risk, bankruptcy procedures and the market value of life insurance liabilities

    NARCIS (Netherlands)

    Chen, A.; Suchanecki, M.

    2007-01-01

    The topic of insolvency risk in connection with life insurance companies has recently attracted a great deal of attention. In this paper, the question is investigated of how the values of the equity and of the liability of a life insurance company are affected by the default risk and the choice of

  20. Functional MRI for Assessment of the Default Mode Network in Acute Brain Injury

    DEFF Research Database (Denmark)

    Kondziella, Daniel; Fisher, Patrick M.; Larsen, Vibeke Andrée

    2017-01-01

    Background: Assessment of the default mode network (DMN) using resting-state functional magnetic resonance imaging (fMRI) may improve assessment of the level of consciousness in chronic brain injury, and therefore, fMRI may also have prognostic value in acute brain injury. However, fMRI is much...

  1. Default-mode network and deep gray-matter analysis in neuromyelitis optica patients.

    Science.gov (United States)

    Rueda-Lopes, Fernanda C; Pessôa, Fernanda M C; Tukamoto, Gustavo; Malfetano, Fabíola Rachid; Scherpenhuijzen, Simone Batista; Alves-Leon, Soniza; Gasparetto, Emerson L

    2018-02-20

    The aim of our study was to detect functional changes in default-mode network of neuromyelitis optica (NMO) patients using resting-state functional magnetic resonance images and the evaluation of subcortical gray-matter structures volumes. NMO patients (n=28) and controls patients (n=19) were enrolled. We used the integrated registration and segmentation tool, part of FMRIB's Software Library (FSL) to segment subcortical structures including the thalamus, caudate nucleus, putamen, hippocampus and amygdalae. Resting-state functional magnetic resonance images were post-processed using the Multivariate Exploratory Linear Optimized Decomposition into Independent Components, also part of FSL. Average Z-values extracted from the default-mode network were compared between patients and controls using t-tests (P values default-mode network of patients compared to controls, notably in the precuneus and right hippocampus (corrected Pdefault-mode network. The hyperactivity of certain default-mode network areas may reflect cortical compensation for subtle structural damage in NMO patients. Copyright © 2018 Elsevier Masson SAS. All rights reserved.

  2. P2P Network Lending, Loss Given Default and Credit Risks

    Directory of Open Access Journals (Sweden)

    Guangyou Zhou

    2018-03-01

    Full Text Available Peer-to-peer (P2P network lending is a new mode of internet finance that still holds credit risk as its main risk. According to the internal rating method of the New Basel Accord, in addition to the probability of default, loss given default is also one of the important indicators of evaluation credit risks. Proceeding from the perspective of loss given default (LGD, this paper conducts an empirical study on the probability distribution of LGDs of P2P as well as its influencing factors with the transaction data of Lending Club. The results show that: (1 the LGDs of P2P loans presents an obvious unimodal distribution, the peak value is relatively high and tends to concentrate with the decrease of the borrower’s credit rating, indicating that the distribution of LGDs of P2P lending is similar to that of unsecured bonds; (2 The total asset of the borrower has no significant impact on LGD, the credit rating and the debt-to-income ratio exert a significant negative impact, while the term and amount of the loan produce a relatively strong positive impact. Therefore, when evaluating the borrower’s repayment ability, it is required to pay more attention to its assets structure rather than the size of its total assets. When carrying out risk control for the P2P platform, it is necessary to give priority to the control of default rate.

  3. Determinants of default in p2p lending: the Mexican case

    Directory of Open Access Journals (Sweden)

    Carlos Eduardo Canfield

    2018-03-01

    Full Text Available P2P lending is a new method of informal finance that uses the internet to directly connect borrowers with on-line communities. With a unique dataset provided by Prestadero, the largest on-line lending platform with national presence in Mexico, this research explores the effect of credit scores and other variables related to loan and borrower´s traits, in determining default behavior in P2P lending. Moreover, using a logistic regression model, it tested whether investors might benefit from screening loan applicants by gender after controlling for loan quality. The results showed that information provided by the platform is relevant for analyzing credit risk, yet not conclusive. In congruence with the literature, on a scale going from the safest to the riskiest, loan quality is positively associated with default behavior. Other determinants for increasing the odds of default are the payment-to-income ratio and refinancing on the same platform. On the contrary loan purpose and being a female applicant reduce such odds. No categorical evidence for differential default behavior was found for gender´s case-discrimination, under equal credit conditions. However it was found that controlling for loan quality, women have longer loan survival times than men. This is one of the first studies about debt crowdfunding in Latin America and Mexico. Implications for lenders, researchers and policy-makers are also discussed.

  4. 76 FR 20217 - Perishable Agricultural Commodities Act: Impact of Post-Default Agreements on Trust Protection...

    Science.gov (United States)

    2011-04-12

    ... N.Y., 362 F.3d 33 (2nd Cir. 2004); Patterson Frozen Foods, Inc. v. Crown Foods, Int'l, 307 F.3d 666... eligible for trust benefits until it has received full payment. 2. The regulation cements a post-default...

  5. 75 FR 72660 - Extension of Temporary Exemptions for Eligible Credit Default Swaps To Facilitate Operation of...

    Science.gov (United States)

    2010-11-26

    ..., the Dodd-Frank Wall Street Reform and Consumer Protection Act (the ``Dodd-Frank Act'') became law.\\13... CDS are security-based swaps as defined under the Dodd-Frank Act. \\13\\ The Dodd-Frank Wall Street... default swaps in order to continue facilitating the operation of one or more central counterparties for...

  6. Derivative pricing with liquidity risk: Theory and evidence from the credit default swap market

    NARCIS (Netherlands)

    Bongaerts, D.; de Jong, F.; Driessen, J.

    2008-01-01

    We derive a theoretical asset-pricing model for derivative contracts that allows for expected liquidity and liquidity risk, and estimate this model for the market of credit default swaps (CDS). Our model extends the LCAPM of Acharya and Pedersen (2005) to a setting with derivative instruments and

  7. Emergentism as a default: Cancer as a problem of tissue organization

    Indian Academy of Sciences (India)

    Unknown

    plore emergent phenomena. However, new theoretical concepts are needed in order to grapple with the apparent circular causality of complex biological phenomena in development and carcinogenesis. [Soto A M and Sonnenschein C 2004 Emergentism as a default: Cancer as a problem of tissue organization; J. Biosci.

  8. 48 CFR 1652.249-72 - FEHBP termination for default-negotiated benefits contracts.

    Science.gov (United States)

    2010-10-01

    ... negligence of the Carrier. Examples of such causes include (1) acts of God or of the public enemy, (2) acts... negligence of the Carrier. (d) If the failure to perform is caused by the default of a subcontractor at any... without the fault or negligence of either, the Carrier shall not be liable for any excess costs for...

  9. Aberrant functional connectivity of default-mode network in type 2 diabetes patients

    Energy Technology Data Exchange (ETDEWEB)

    Cui, Ying; Jiao, Yun; Chen, Hua-Jun; Ding, Jie; Luo, Bing; Peng, Cheng-Yu; Ju, Sheng-Hong; Teng, Gao-Jun [Medical School of Southeast University, Jiangsu Key Laboratory of Molecular and Functional Imaging, Department of Radiology, Zhongda Hospital, Nanjing, Jiangsu (China)

    2015-11-15

    Type 2 diabetes mellitus is associated with increased risk for dementia. Patients with impaired cognition often show default-mode network disruption. We aimed to investigate the integrity of a default-mode network in diabetic patients by using independent component analysis, and to explore the relationship between network abnormalities, neurocognitive performance and diabetic variables. Forty-two patients with type 2 diabetes and 42 well-matched healthy controls were included and underwent resting-state functional MRI in a 3 Tesla unit. Independent component analysis was adopted to extract the default-mode network, including its anterior and posterior components. Z-maps of both sub-networks were compared between the two groups and correlated with each clinical variable. Patients showed increased connectivity around the medial prefrontal cortex in the anterior sub-network, but decreased connectivity around the posterior cingulate cortex in the posterior sub-network. The decreased connectivity in the posterior part was significantly correlated with the score on Complex Figure Test-delay recall test (r = 0.359, p = 0.020), the time spent on Trail-Making Test-part B (r = -0.346, p = 0.025) and the insulin resistance level (r = -0.404, p = 0.024). Dissociation pattern in the default-mode network was found in diabetic patients, which might provide powerful new insights into the neural mechanisms that underlie the diabetes-related cognitive decline. (orig.)

  10. Credit Default and Business Cycles: An Empirical Investigation of Brazilian Retail Loans

    Directory of Open Access Journals (Sweden)

    Arnildo da Silva Correa

    2014-09-01

    Full Text Available We use microdata from the Credit Information System (SCR of the Central Bank of Brazil to study the relationship between credit default and business cycles. In particular, we study the first part of the argument underlying the discussion about procyclicality related to the Basel II Accord: that recessions might increase credit defaults and have adverse impacts on the losses in portfolios of lender institutions. We explore both time series and cross-sectional variation in the data. Our data on the individual level are composed of retail loan transactions in two modalities-Consumer Credit and Vehicle Financing-from 2003 to 2008. Our results support the idea of a negative relationship between business cycles and credit default, but less strong than suggested in previous studies that use corporate data. We also find low and dispersed default correlations, and smaller losses in Value at Risk (VaR experiments than those found in the literature. These results may be possibly explained by the fact that, in the retail sector, loans are given to a large number of individuals, which may help to diversify risks.

  11. Close-Form Pricing of Benchmark Equity Default Swaps Under the CEV Assumption

    NARCIS (Netherlands)

    Campi, L.; Sbuelz, A.

    2005-01-01

    Equity Default Swaps are new equity derivatives designed as a product for credit investors.Equipped with a novel pricing result, we provide closedform values that give an analytic contribution to the viability of cross-asset trading related to credit risk.

  12. The salience network causally influences default mode network activity during moral reasoning

    Science.gov (United States)

    Wilson, Stephen M.; D’Esposito, Mark; Kayser, Andrew S.; Grossman, Scott N.; Poorzand, Pardis; Seeley, William W.; Miller, Bruce L.; Rankin, Katherine P.

    2013-01-01

    Large-scale brain networks are integral to the coordination of human behaviour, and their anatomy provides insights into the clinical presentation and progression of neurodegenerative illnesses such as Alzheimer’s disease, which targets the default mode network, and behavioural variant frontotemporal dementia, which targets a more anterior salience network. Although the default mode network is recruited when healthy subjects deliberate about ‘personal’ moral dilemmas, patients with Alzheimer’s disease give normal responses to these dilemmas whereas patients with behavioural variant frontotemporal dementia give abnormal responses to these dilemmas. We hypothesized that this apparent discrepancy between activation- and patient-based studies of moral reasoning might reflect a modulatory role for the salience network in regulating default mode network activation. Using functional magnetic resonance imaging to characterize network activity of patients with behavioural variant frontotemporal dementia and healthy control subjects, we present four converging lines of evidence supporting a causal influence from the salience network to the default mode network during moral reasoning. First, as previously reported, the default mode network is recruited when healthy subjects deliberate about ‘personal’ moral dilemmas, but patients with behavioural variant frontotemporal dementia producing atrophy in the salience network give abnormally utilitarian responses to these dilemmas. Second, patients with behavioural variant frontotemporal dementia have reduced recruitment of the default mode network compared with healthy control subjects when deliberating about these dilemmas. Third, a Granger causality analysis of functional neuroimaging data from healthy control subjects demonstrates directed functional connectivity from nodes of the salience network to nodes of the default mode network during moral reasoning. Fourth, this Granger causal influence is diminished in

  13. The salience network causally influences default mode network activity during moral reasoning.

    Science.gov (United States)

    Chiong, Winston; Wilson, Stephen M; D'Esposito, Mark; Kayser, Andrew S; Grossman, Scott N; Poorzand, Pardis; Seeley, William W; Miller, Bruce L; Rankin, Katherine P

    2013-06-01

    Large-scale brain networks are integral to the coordination of human behaviour, and their anatomy provides insights into the clinical presentation and progression of neurodegenerative illnesses such as Alzheimer's disease, which targets the default mode network, and behavioural variant frontotemporal dementia, which targets a more anterior salience network. Although the default mode network is recruited when healthy subjects deliberate about 'personal' moral dilemmas, patients with Alzheimer's disease give normal responses to these dilemmas whereas patients with behavioural variant frontotemporal dementia give abnormal responses to these dilemmas. We hypothesized that this apparent discrepancy between activation- and patient-based studies of moral reasoning might reflect a modulatory role for the salience network in regulating default mode network activation. Using functional magnetic resonance imaging to characterize network activity of patients with behavioural variant frontotemporal dementia and healthy control subjects, we present four converging lines of evidence supporting a causal influence from the salience network to the default mode network during moral reasoning. First, as previously reported, the default mode network is recruited when healthy subjects deliberate about 'personal' moral dilemmas, but patients with behavioural variant frontotemporal dementia producing atrophy in the salience network give abnormally utilitarian responses to these dilemmas. Second, patients with behavioural variant frontotemporal dementia have reduced recruitment of the default mode network compared with healthy control subjects when deliberating about these dilemmas. Third, a Granger causality analysis of functional neuroimaging data from healthy control subjects demonstrates directed functional connectivity from nodes of the salience network to nodes of the default mode network during moral reasoning. Fourth, this Granger causal influence is diminished in patients with

  14. THE RELATIONSHIP BETWEEN MACROECONOMIC VARIABLES AND ROMANIAN CORPORATE DEFAULT RATES BETWEEN 2002-2008

    Directory of Open Access Journals (Sweden)

    Suveg Orsolya

    2011-07-01

    Full Text Available During its 20 year history of market economy, Romania experienced the most severe downturn in 2009, which resulted in many cost, mainly because of the output loss. These conditions forced several firms to declare bankruptcy and to stop their activity. The aim of this research is to assess the relationship between the corporate default rates and the macroeconomic processes in the case of Romania for the period comprised between 2002Q1-2008Q4. For this, based on the relevant literature, we ranked the potential explanatory variables of the default rates into seven groups: cyclical indicators, household indicators, corporate indicators, external sector indicators, price stability indicators and interest rates, loans to private sector and finally the capital market indicators. Some studies base their results only on accounting data, others only on market data. Our study focuses on both, since this seems to be an adequate approach in capturing most of the processes. Similar to the banks loan portfolio structure, we conducted analysis for five sectors: industry, construction, agriculture, services and the overall economy. For each sector the average default probability at time t is modeled as a logistic function of many general and sector-specific macroeconomic variables. The use of logistic regression was motivated by its ability to account for fractional data between 0 and 1. We found that at least one variable from each group has a significant explanatory power regarding the evolution of the default rates in all five sectors analyzed. In some cases the sign of the variables was the opposite of what the economic theory would have suggested, but it has to be taken into account that Romania posted the picture of an overheated economy during the analyzed period. Another important conclusion was that many variables were significant through their lagged value, which indicates an even better supervision of the evolution of the specific variables. From all

  15. Automating Geospatial Visualizations with Smart Default Renderers for Data Exploration Web Applications

    Science.gov (United States)

    Ekenes, K.

    2017-12-01

    This presentation will outline the process of creating a web application for exploring large amounts of scientific geospatial data using modern automated cartographic techniques. Traditional cartographic methods, including data classification, may inadvertently hide geospatial and statistical patterns in the underlying data. This presentation demonstrates how to use smart web APIs that quickly analyze the data when it loads, and provides suggestions for the most appropriate visualizations based on the statistics of the data. Since there are just a few ways to visualize any given dataset well, it is imperative to provide smart default color schemes tailored to the dataset as opposed to static defaults. Since many users don't go beyond default values, it is imperative that they are provided with smart default visualizations. Multiple functions for automating visualizations are available in the Smart APIs, along with UI elements allowing users to create more than one visualization for a dataset since there isn't a single best way to visualize a given dataset. Since bivariate and multivariate visualizations are particularly difficult to create effectively, this automated approach removes the guesswork out of the process and provides a number of ways to generate multivariate visualizations for the same variables. This allows the user to choose which visualization is most appropriate for their presentation. The methods used in these APIs and the renderers generated by them are not available elsewhere. The presentation will show how statistics can be used as the basis for automating default visualizations of data along continuous ramps, creating more refined visualizations while revealing the spread and outliers of the data. Adding interactive components to instantaneously alter visualizations allows users to unearth spatial patterns previously unknown among one or more variables. These applications may focus on a single dataset that is frequently updated, or configurable

  16. Effect of default menus on food selection and consumption in a college dining hall simulation study.

    Science.gov (United States)

    Radnitz, Cynthia; Loeb, Katharine L; Keller, Kathleen L; Boutelle, Kerri; Schwartz, Marlene B; Todd, Lauren; Marcus, Sue

    2018-05-01

    To test an obesity prevention strategy derived from behavioural economics (optimal defaults plus delay), focused on changing the college dining hall service method. After a uniform pre-load, participants attended an experimental lunch in groups randomized to one of three conditions: a nutrient-dense, lower-fat/energy lunch as an optimal default (OD); a less-nutrient-dense, higher-fat/energy lunch as a suboptimal default (SD); or a free array (FA) lunch. In the OD condition, students were presented a menu depicting healthier vegetarian and omnivore foods as default, with opt-out alternatives (SD menu) available on request with a 15 min wait. In the SD condition, the same menu format was used with the positioning of food items switched. In the FA condition, all choices were presented in uniform fonts and were available immediately. Private rooms designed to provide a small version of a college dining hall, on two campuses of a Northeastern US university. First-year college students (n 129). There was a significant main effect for condition on percentage of optimal choices selected, with 94 % of food choices in the OD condition optimal, 47 % in the FA condition optimal and none in the SD condition optimal. Similarly, energy intake for those in the SD condition significantly exceeded that in the FA condition, which exceeded that in the OD condition. Presenting menu items as optimal defaults with a delay had a significant impact on choice and consumption, suggesting that further research into its long-term applicability is warranted.

  17. Fluorine--a current literature review. An NRC and ATSDR based review of safety standards for exposure to fluorine and fluorides.

    Science.gov (United States)

    Prystupa, Jeff

    2011-02-01

    A review of the literature of the element fluorine and its bonded-form, fluoride, was undertaken. Generally regarded as safe, an expanding body of literature reveals that fluoride's toxicity has been unappreciated, un-scrutinized, and hidden for over 70 years. The context for the literature search and review was an environmental climate-change study, which demonstrated widespread fluoride contamination by smokestack emissions from coal-fired electricity-generating plants. The objective of this review is to educate and inform regarding the ubiquitous presence and harmful nature of this now ever-present corrosive and reactive toxin. Methods include examination of national health agency reviews, primarily the National Research Council (NRC), Agency for Toxic Substances & Disease Registry (ATSDR), standard medical toxicology references, text books, as well as reports and documents from both private and public research as well as consumer-based NGOs. Study criteria were chosen for relevancy to the subject of the toxicity of fluoride. Fluoride is the extreme electron scavenger, the most corrosive of all elements, as well as the most-reactive. Fluoride appears to attack living tissues, via several mechanisms. Fluoride renders strong evidence that it is a non-biological chemical, demonstrating no observed beneficial function or role in organic chemistry, beyond use as a pesticide or insecticide. Fluorine has a strong role to play in industry, having been utilized extensively in metals, plastics, paints, aluminium, steel, and uranium production. Due to its insatiable appetite for calcium, fluorine and fluorides likely represent a form of chemistry that is incompatible with biological tissues and organ system functions. Based on an analysis of the affects of fluoride demonstrated consistently in the literature, safe levels have not been determined nor standardized. Mounting evidence presents conflicting value to its presence in biological settings and applications. Evidence

  18. DAMPAK RISIKO DEFAULT BANK TERHADAP RISIKO SISTEMIK PERBANKAN DAN RISIKO SISTEMATIK BURSA SAHAM DI LIMA NEGARA ASEAN

    Directory of Open Access Journals (Sweden)

    Buddi Wibowo

    2016-05-01

    Full Text Available Abstract Global financial crisis in 2008 has driven special attention to systemic banking sector risk that cause byindividual bank default. Though, banking crisis significantly affect economic growth and national macroeco-nomic condition. Individual bank default non only affect banking industry but also has serious injured theeconomy. Bank default risk not only affect systemic risk but also systematic risk.ASEAN financial integrationplan raise a need to understand characteristics of ASEAN banking industry. Close relationship and intercon-nection between ASEAN economies will make individual bank default a serious issue that its effect will spreadto all ASEAN economy. This research aimed to investigate the effect of bank default risk on systemic andsystematic risk in 5 ASEAN countries. We find that bank default risk significantlyraised systemic risk, esspeciallyin country with high concentration in its banking industry structure. Big banks tend to more serious effect onsystemic risk. Systematic risk tend to be affected by macroeconomy condition, rather than default risk ofindividual bank.

  19. Hyperactivity and hyperconnectivity of the default network in schizophrenia and in first-degree relatives of persons with schizophrenia.

    Science.gov (United States)

    Whitfield-Gabrieli, Susan; Thermenos, Heidi W; Milanovic, Snezana; Tsuang, Ming T; Faraone, Stephen V; McCarley, Robert W; Shenton, Martha E; Green, Alan I; Nieto-Castanon, Alfonso; LaViolette, Peter; Wojcik, Joanne; Gabrieli, John D E; Seidman, Larry J

    2009-01-27

    We examined the status of the neural network mediating the default mode of brain function, which typically exhibits greater activation during rest than during task, in patients in the early phase of schizophrenia and in young first-degree relatives of persons with schizophrenia. During functional MRI, patients, relatives, and controls alternated between rest and performance of working memory (WM) tasks. As expected, controls exhibited task-related suppression of activation in the default network, including medial prefrontal cortex (MPFC) and posterior cingulate cortex/precuneus. Patients and relatives exhibited significantly reduced task-related suppression in MPFC, and these reductions remained after controlling for performance. Increased task-related MPFC suppression correlated with better WM performance in patients and relatives and with less psychopathology in all 3 groups. For WM task performance, patients and relatives had greater activation in right dorsolateral prefrontal cortex (DLPFC) than controls. During rest and task, patients and relatives exhibited abnormally high functional connectivity within the default network. The magnitudes of default network connectivity during rest and task correlated with psychopathology in the patients. Further, during both rest and task, patients exhibited reduced anticorrelations between MPFC and DLPFC, a region that was hyperactivated by patients and relatives during WM performance. Among patients, the magnitude of MPFC task suppression negatively correlated with default connectivity, suggesting an association between the hyperactivation and hyperconnectivity in schizophrenia. Hyperactivation (reduced task-related suppression) of default regions and hyperconnectivity of the default network may contribute to disturbances of thought in schizophrenia and risk for the illness.

  20. Default mode network segregation and social deficits in autism spectrum disorder: Evidence from non-medicated children

    Directory of Open Access Journals (Sweden)

    Benjamin E. Yerys

    2015-01-01

    Full Text Available Functional pathology of the default mode network is posited to be central to social-cognitive impairment in autism spectrum disorders (ASD. Altered functional connectivity of the default mode network's midline core may be a potential endophenotype for social deficits in ASD. Generalizability from prior studies is limited by inclusion of medicated participants and by methods favoring restricted examination of network function. This study measured resting-state functional connectivity in 22 8–13 year-old non-medicated children with ASD and 22 typically developing controls using seed-based and network segregation functional connectivity methods. Relative to controls the ASD group showed both under- and over-functional connectivity within default mode and non-default mode regions, respectively. ASD symptoms correlated negatively with the connection strength of the default mode midline core—medial prefrontal cortex–posterior cingulate cortex. Network segregation analysis with the participation coefficient showed a higher area under the curve for the ASD group. Our findings demonstrate that the default mode network in ASD shows a pattern of poor segregation with both functional connectivity metrics. This study confirms the potential for the functional connection of the midline core as an endophenotype for social deficits. Poor segregation of the default mode network is consistent with an excitation/inhibition imbalance model of ASD.