Beyond Risk Profiling: Achieving better investment outcomes for consumers and industry

In the wake of the Retail Distribution Review, there remain fundamental questions about how best to support consumers to make sound investment decisions, particularly those with modest amounts of money to invest, for whom a poor investment decision may have a disproportionate adverse impact. The advent of new pension freedoms from April 2015, which give people more choice and flexibility about how they use their retirement savings, adds further impetus to the issue. To help inform policy and practice on this important subject, in June 2015 we brought together consumer and industry experts to explore possible new approaches to improve risk profiling and investment decision-making

Sacrificing Civil Liberties to Reduce Terrorism Risk

The results of a survey conducted by Viscusi and Zeckhauser demonstrate that targeted screening of airline passengers raises conflicting concerns of efficiency and equity. Support for profiling increases if there is a substantial reduction in avoided delays to other passengers. The time cost and benefit components of targeting affect support for targeted screening in an efficiency-oriented manner. Nonwhite respondents are more reluctant than whites to support targeting or to be targeted. Terrorism risk assessments are highly diffuse, reflecting considerable risk ambiguity. People fear highly severe worst-case terrorism outcomes, but their best estimates of the risk are more closely related to their lower bound estimates than their upper bound estimates. Anomalies evident in other risk perception contexts, such as hindsight biases and embeddedness effects, are particularly evident for terrorism risk beliefs.

Hydrogel-Based Colorimetric Assay for Multiplexed MicroRNA Detection in a Microfluidic Device

Although microRNA (miRNA) expression levels provide important information regarding disease states owing to their unique dysregulation patterns in tissues, translation of miRNA diagnostics into point-of-care (POC) settings has been limited by practical challenges. Her; we developed a hydrogel-based microfluidic platform for colorimetric profiling of miRNAs, without the use of complex external equipment for fluidics and imaging. For sensitive and reliable measurement without the risk of sequence bias, we employed a gold deposition-based signal amplification scheme and dark-field imaging, and seamlessly integrated a previously developed miRNA assay scheme into this platform. The assay demonstrated a limit of detection of 260 fM, along with multiplexing of small panels of miRNAs in healthy and cancer samples. We anticipate this versatile platform to facilitate a broad range of POC profiling of miRNAs in cancer-associated dysregulation with high-confidence by exploiting the unique features of hydrogel substrate in an on-chip format and colorimetric analysis

Metabolomic Profiling of Statin Use and Genetic Inhibition of HMG-CoA Reductase

Background Statins are first-line therapy for cardiovascular disease prevention, but their systemic effects across lipoprotein subclasses, fatty acids, and circulating metabolites remain incompletely characterized. Objectives This study sought to determine the molecular effects of statin therapy on multiple metabolic pathways. Methods Metabolic profiles based on serum nuclear magnetic resonance metabolomics were quantified at 2 time points in 4 population-based cohorts from the United Kingdom and Finland (N = 5,590; 2.5 to 23.0 years of follow-up). Concentration changes in 80 lipid and metabolite measures during follow-up were compared between 716 individuals who started statin therapy and 4,874 persistent nonusers. To further understand the pharmacological effects of statins, we used Mendelian randomization to assess associations of a genetic variant known to mimic inhibition of HMG-CoA reductase (the intended drug target) with the same lipids and metabolites for 27,914 individuals from 8 population-based cohorts. Results Starting statin therapy was associated with numerous lipoprotein and fatty acid changes, including substantial lowering of remnant cholesterol (80% relative to low-density lipoprotein cholesterol [LDL-C]), but only modest lowering of triglycerides (25% relative to LDL-C). Among fatty acids, omega-6 levels decreased the most (68% relative to LDL-C); other fatty acids were only modestly affected. No robust changes were observed for circulating amino acids, ketones, or glycolysis-related metabolites. The intricate metabolic changes associated with statin use closely matched the association pattern with rs12916 in the HMGCR gene (R2 = 0.94, slope 1.00 ± 0.03). Conclusions Statin use leads to extensive lipid changes beyond LDL-C and appears efficacious for lowering remnant cholesterol. Metabolomic profiling, however, suggested minimal effects on amino acids. The results exemplify how detailed metabolic characterization of genetic proxies for drug targets can inform indications, pleiotropic effects, and pharmacological mechanisms

Using Optically Stimulated Luminescence to Unravel Sedimentary Processes of the Usumacinta and Grijalva Rivers (SE Mexico)

This report provides an optically stimulated luminescence (OSL) chronology for sediment collected through terrace deposits of the Usumacinta and Grijalva rivers in SE Mexico. The Grijalva and Usumacinta rivers are susceptible to flooding during the hurricane season (between May and November), affecting the population of the state of Tabasco, and leaving many households at a flood risk. The present study was initiated to obtain an understanding of the sediment processes, rates and frequency of flood events in the past. The report summaries the initial luminescence profiling, using a SUERC PPSL system, and laboratory analysis, used to characterise the stratigraphy and interpret sedimentary processes in each profile, together with the quantitative quartz SAR dating used to define chronologies in each. Initial luminescence profiling revealed that the stratigraphy in each was complex, reflecting multiple cycles of deposition, with maxima, followed by a tail to lower intensities, possibly indicating deposition during extreme flood events, followed by a period in which the sediment was mixed and the luminescence signals reset. The laboratory profiling reproduced the apparent maxima/trends in the field profiling dataset. In the Grijalva section, the profiling samples encompass the full range of variations in the IRSL net signal intensities, re-affirming the complex stratigraphy. In the Usumacinta section, the profiling samples were positioned on the trend of a normal age-depth progression, which may indicate that the horizons sampled are well suited for quartz SAR dating. Given the nature of the sediment sampled, it is unsurprising that the equivalent dose distributions obtained for each of the dating samples showed considerable scatter, leading to some ambiguity in estimating a stored dose for age calculations. In each, a number of aliquots returned high equivalent dose values, implying residual luminescence signals (leading to higher apparent ages), and others, low values, implying re-setting of the luminescence signals in the modern environment. It is well recognised that fluvial sediment of this sort can enclose mixed-age populations. It has been argued elsewhere (Fuchs and Lang, 2001; Lepper et al., 2000; Olley et al., 1998; Olley et al., 1999) that the lowest population of dose(s) may best represent the burial dose of the youngest depositional component, and that an arbitrary value of say the lowest 5% be used in age calculations. However, if this method was instigated for the Mexican samples, it would include the low equivalent dose values thought to reflect contamination from the surface, by bioturbation or some other weathering process, leading to artificially young ages. Therefore, each sample was evaluated on an individual basis, where low equivalent doses were considered to represent contamination and rejected, along with high equivalent dose outliers and any aliquots which failed SAR acceptance criteria. The weighted mean and weighted standard deviation of the reduced set were used in age calculations. The dating results reported here provide a first chronology to interpret the changing fluvial dynamics of the Usumacinta and Grijalva rivers, and a means to quantify flood events through the historical period. The chronology established for the Grijalva section spans from the 6th century AD to the 12th century AD; and the chronology for the Usumacinta section from the 17th century AD to the 19th century AD

Clinical proteomics for precision medicine: the bladder cancer case

Precision medicine can improve patient management by guiding therapeutic decision based on molecular characteristics. The concept has been extensively addressed through the application of –omics based approaches. Proteomics attract high interest, as proteins reflect a “real-time” dynamic molecular phenotype. Focusing on proteomics applications for personalized medicine, a literature search was conducted to cover: a) disease prevention, b) monitoring/ prediction of treatment response, c) stratification to guide intervention and d) identification of drug targets. The review indicates the potential of proteomics for personalized medicine by also highlighting multiple challenges to be addressed prior to actual implementation. In oncology, particularly bladder cancer, application of precision medicine appears especially promising. The high heterogeneity and recurrence rates together with the limited treatment options, suggests that earlier and more efficient intervention, continuous monitoring and the development of alternative therapies could be accomplished by applying proteomics-guided personalized approaches. This notion is backed by studies presenting biomarkers that are of value in patient stratification and prognosis, and by recent studies demonstrating the identification of promising therapeutic targets. Herein, we aim to present an approach whereby combining the knowledge on biomarkers and therapeutic targets in bladder cancer could serve as basis towards proteomics- guided personalized patient management

Alter ego, state of the art on user profiling: an overview of the most relevant organisational and behavioural aspects regarding User Profiling.

This report gives an overview of the most relevant organisational and\ud behavioural aspects regarding user profiling. It discusses not only the\ud most important aims of user profiling from both an organisation’s as\ud well as a user’s perspective, it will also discuss organisational motives\ud and barriers for user profiling and the most important conditions for\ud the success of user profiling. Finally recommendations are made and\ud suggestions for further research are given