UK Government policy, credit unions and payday loans

This article outlines how successive UK governments’ policies first created a three tier system of credit unions and then posited credit unions as alternatives to payday lenders. The three tier framework is used for an analysis of loans offered on credit union websites. The findings indicate that while the first two tiers of credit unions now offer loans to people who have not saved with them previously, they do so in ways consistent with credit unions’ original character, rather than in ways that replicate commercial payday loans. The other tier of credit unions appears unable to offer such loans

Amplitude-mode dynamics of polariton condensates

We study the stability of collective amplitude excitations in non-equilibrium polariton condensates. These excitations correspond to renormalized upper polaritons and to the collective amplitude modes of atomic gases and superconductors. They would be present following a quantum quench or could be created directly by resonant excitation. We show that uniform amplitude excitations are unstable to the production of excitations at finite wavevectors, leading to the formation of density-modulated phases. The physical processes causing the instabilities can be understood by analogy to optical parametric oscillators and the atomic Bose supernova.Comment: 4 pages, 2 figure

Finite momentum condensation in a pumped microcavity

We calculate the absorption spectra of a semiconductor microcavity into which a non-equilibrium exciton population has been pumped. We predict strong peaks in the spectrum corresponding to collective modes analogous to the Cooper modes in superconductors and fermionic atomic gases. These modes can become unstable, leading to the formation of off-equilibrium quantum condensates. We calculate a phase diagram for condensation, and show that the dominant instabilities can be at a finite momentum. Thus we predict the formation of inhomogeneous condensates, similar to Fulde-Ferrel-Larkin-Ovchinnikov states.Comment: 7 pages, 4 figures, updated to accepted versio

A study of senescence in the red raspberry cane

This archival publication may not reflect current scientific knowledge or recommendations

Planktic foraminifera shell chemistry response to seawater chemistry: Pliocene-Pleistocene seawater Mg/Ca, temperature and sea level change

Foraminifera Mg/Ca paleothermometry forms the basis of a substantial portion of ocean temperature reconstruction over the last 5 Ma. Furthermore, coupled Mg/Ca–oxygen isotope (δ18O) measurements of benthic foraminifera can constrain eustatic sea level (ESL) independent of paleo-shoreline derived approaches. However, this technique suffers from uncertainty regarding the secular variation of the Mg/Ca seawater ratio (Mg/Casw) on timescales of millions of years. Here we present coupled seawater–test Mg/Ca–temperature laboratory calibrations of Globigerinoides ruber in order to test the widely held assumptions that (1) seawater–test Mg/Ca co-vary linearly, and (2) the Mg/Ca–temperature sensitivity remains constant with changing Mg/Casw. We find a nonlinear Mg/Catest–Mg/Casw relationship and a lowering of the Mg/Ca–temperature sensitivity at lower than modern Mg/Casw from 9.0% ◦C−1 at Mg/Casw = 5.2 mol mol−1 to 7.5 ± 0.9%◦C−1 at 3.4 mol mol−1. Using our calibrations to more accurately calculate the offset between Mg/Ca and biomarker-derived paleotemperatures for four sites, we derive a Pliocene Mg/Casw ratio of ∼4.3 mol mol−1. This Mg/Casw implies Pliocene ocean temperature 0.9–1.9 ◦C higher than previously reported and, by extension, ESL ∼30 m lower compared to when one assumes that Pliocene Mg/Casw is the same as at present. Correcting existing benthic foraminifera datasets for Mg/Casw indicates that deep water source composition must have changed through time, therefore seawater oxygen isotope reconstructions relative to present day cannot be used to directly reconstruct Pliocene ESL

Differentiated Thyroid Cancer with Extrathyroidal Extension: Prognosis and the Role of External Beam Radiotherapy

A study was performed to identify variables that affected cause-specific survival (CSS) and local relapse-free rate (LRFR) in patients with differentiated thyroid cancer (DTC) and extrathyroid extension (ETE) and to examine the role of external beam radiotherapy (XRT). Prognostic factors were similar to those found in studies of all patients with DTC. In patients with postoperative gross residual disease treated with radiotherapy, 10-year CSS and LRFR were 48% and 90%. For patients with no residual or microscopic disease, 10-year CSS and LRFR were 92% and 93%. In patients older than 60 years with T3 ETE but no gross residual disease postoperatively there was an improved LRFR at 5 years of 96%, compared to 87.5% without XRT (P = .02). Patients with gross ETE benefit from XRT and there may be a potential benefit in reducing locoregional failure in patients over 60 years with minimal extrathyroidal extension (T3)

The Limited Role of Mutually Unbiased Product Bases in Dimension Six

We show that a complete set of seven mutually unbiased bases in dimension six, if it exists, cannot contain more than one product basis.Comment: 8 pages, identical to published versio

Dendritic Targeting in the Leg Neuropil of Drosophila: The Role of Midline Signalling Molecules in Generating a Myotopic Map

During development of the Drosophila motor system, global guidance cues control and coordinate the targeting of both input and output elements of the neural system

Affine Constellations Without Mutually Unbiased Counterparts

It has been conjectured that a complete set of mutually unbiased bases in a space of dimension d exists if and only if there is an affine plane of order d. We introduce affine constellations and compare their existence properties with those of mutually unbiased constellations, mostly in dimension six. The observed discrepancies make a deeper relation between the two existence problems unlikely.Comment: 8 page

Grassland Resources and Protections in the Yellow River Source Zone on the Qinghai-Tibet Plateau

This paper summarises resources and protections of the Yellow River Source Zone on the Qinghai-Tibet Plateau. A concerted effort has been made to address concerns for overgrazing on the alpine steppe and alpine meadow landscapes in the source zone of the Yellow River. An assessment of the impacts of overgrazing includes consideration of the role of small mammals (on the one hand they are considered as a critical ecosystem engineer, on the other they are perceived as a major threatening pest). Analyzed in this paper are management options in the restoration of degraded grasslands