La loi sur le crédit à la consommation : la protection de la clientèle au coeur de la prévention et du contrôle bancaire et assurantiel.

La loi 2010-737 du 1er juillet 2010 renforce les obligations des établissements prêteurs et des organismes d'assurance en termes de publicité, d'information de l'empreunteur, d'octroi et d'exécution des contrats de prêt. Ces dispositions enrichissent le corpus normatif sur lequel repose l'action de l'Autorité de contrôle prudentiel au titre de sa mission de protection des clientèles.assurance emprunteur, contrôle prudentiel, crédit à la consommation, pratiques commerciales, protection de la clientèle, publicité.

Viscous effects in the absolute-convective instability of the Batchelor vortex

International audienceThe effects of viscosity on the instability properties of the Batchelor vortex are investigated. The characteristics of spatially amplified branches are first documented in the convectively unstable regime for different values of the swirl parameter q and the co-flow parameter a at several Reynolds numbers Re. The absolute-convective instability transition curves, determined by the Briggs-Bers zero-group velocity criterion, are delineated in the (a,q)-parameter plane as a function of Re. The azimuthal wavenumber m of the critical transitional mode is found to depend on the magnitude of the swirl q and on the jet (a > -0.5) or wake (a < -0.5) nature of the axial flow. At large Reynolds numbers, the inviscid results of Olendraru et al. (1999) are recovered. As the Reynolds number decreases, the pocket of absolute instability in the (a,q)-plane is found to shrink gradually. At Re = 667, the critical transitional modes for swirling jets are m = -2 or m = -3 and absolute instability prevails at moderate swirl values even in the absence of counterflow. For higher swirl levels, the bending mode m = -1 becomes critical. The results are in good overall agreement with those obtained by Delbende et al. (1998) at the same Reynolds number. However, a bending (m = +1) viscous mode is found to partake in the outer absolute-convective instability transition for jets at very low positive levels of swirl. This asymmetric branch is the spatial counterpart of the temporal viscous mode isolated by Khorrami (1991) and Mayer and Powell (1992). At Re = 100, the critical transitional mode for swirling jets is m = -2 at moderate and high swirl values and, in order to trigger an absolute instability, a slight counterflow is always required. A bending (m = +1) viscous mode again becomes critical at very low swirl values. For wakes (a < -0.5) the critical transitional mode is always found to be the bending mode m = -1, whatever the Reynolds number. However, above q = 1.5, near-neutral centre modes are found to define a tongue of weak absolute instability in the (a,q)-plane. Such modes had been analytically predicted by Stewartson and Brown (1985) in a strictly temporal inviscid framework

Zeroing in on Net-Zero: From Soft Law to Hard Law in Corporate Climate Change Pledges

One hundred and ninety-seven nations endorsed a target of net-zero greenhouse gas (GHG) emissions by midcentury in the 2021 Glasgow Climate Pact. As countries around the world have begun to develop their plans for deep decarbonization, it has become evident that the private sector will need to deliver much of what is required for the transition to an environmentally sustainable economy. The commitment to net-zero emissions by the year 2050 has therefore cascaded to the corporate world, leading hundreds of major companies to make their own net-zero GHG pledges. What constitutes a meaningful net-zero corporate pledge, however, remains unclear—and what must be done to implement these commitments remains similarly opaque. In the absence of regulatory mandates, corporate pledges could become little more than empty optimism and may harm companies’ reputations if perceived to be greenwashing. But while governments have long dithered, other stakeholders—notably investors, consumers, NGOs, and the media—are scrutinizing corporate net-zero commitments and pressing companies to explain their climate strategies, business transformation intentions, investment plans, and reporting schedules in search of credible metrics, methodologies, and interim targets. This Article explains why the scramble to make sense of corporate net-zero emissions targets matters—arguing that these pledges may emerge as a critical point of leverage in the effort to transition toward a sustainable economy, especially in the absence of comprehensive government climate change policies. It provides an analytical framework to highlight what net-zero pledges could—and should—mean. It identifies key considerations and challenges that must be addressed in corporate GHG reduction strategies. And it documents how stakeholder demands for more robust disclosure regarding corporate net-zero pledges, as part of a broader push for more rigorous Environmental, Social, and Governance performance reporting, might establish de facto global climate change rules for major companies—creating a self-regulatory “soft law” structure of emissions reduction guidelines and incentives anticipating future regulation and government action

Debiasing training transfers to improve decision making in the field

The primary objection to debiasing training interventions is a lack of evidence that they transfer to improve decision making in field settings, where reminders of bias are absent. We gave graduate students in three professional programs (N = 290) a one-shot training intervention that reduces confirmation bias in laboratory experiments. Natural variance in the training schedule assigned participants to receive training before or after solving an unannounced business case modeled on the decision to launch the Space Shuttle Challenger. We used case solutions to surreptitiously measure their susceptibility to confirmation bias. Trained participants were 29% less likely to choose the inferior hypothesis-confirming solution than untrained participants. Analysis of case write-ups suggests that a reduction in confirmatory hypothesis testing accounts for their improved decision making in the case. The results provide promising evidence that debiasing training effects transfer to field settings and can improve consequential decisions in professional and private life

Métacognition : intervention thérapeutique autour de la conscience des troubles chez des patients souffrant de traumatisme crânio-cérébral grave

Unawareness related to brain injury has implications for participation in rehabilitation, functional outcomes, and the emotional well being of patients after an acquired brain injury. However, the development of interventions for improving self-awareness is at an early stage, and research on the effectiveness of interventions is limited. The present paper is an investigation into the efficacy of a metacognitive program on self-awareness in people who have had an acquired brain injury. An experimental group of three patients were included in a “cross-over design” protocol including data from neuropsychological evaluations, cognitive complaints, behavioral and emotional changes. In comparison, a social intervention (communicative abilities, social interaction) was proposed to four other patients in order to estimate the specific effects of the metacognitive program. While no specific effect of the metacognitive program was highlighted on cognitive impairments, a post-intervention assessment indicated that participants had significantly improved behavioral limitations, suggesting a benefit of the metacognitive and social rehabilitations on behavior skills. Because benefits are similar whatever the program, it seems that social functioning implication in rehabilitation process needs to be taken into account in forthcoming interventions

How should we define STAT3 as an oncogene and as a potential target for therapy?

Aberrant activation of the STAT3 transcription factor has been reported in a large group of tumors and a strong biological basis now defines this protein as an oncogenic driver. Consequently, STAT3 is considered to be a promising target in the field of cancer therapy. For its inhibition to result in a successful therapeutic approach, the definition of a target tumor population identified by specific and detectable alterations is critical. The canonical activation model of STAT3 relies on a constitutive phosphorylation on its 705 tyrosine site, resulting in its dimerization, nuclear translocation, and the consequent activation of cancer genes. Therefore, it is expected that tumors expressing this phosphorylated form are addicted to STAT3 and will be sensitive to existing drugs which are targeting this dimeric form. However, recent results have shown that STAT3 can function as an oncogene in the absence of this tyrosine phosphorylation. This indicates that different forms of the transcription factor also play an important role in tumor growth and chemotherapy resistance. This complicates the definition of STAT3 as an oncogene and as a potential prognosis and predictive biomarker. The obligation to target a defined tumor type implies that future clinical trials should use a precise definition of STAT3 activation. This will allow tumors addicted to this oncogene to be identified correctly, leading to a strong rationale for patient stratification

Structure and transport in multi-orbital Kondo systems

We consider Kondo impurity systems with multiple local orbitals, such as rare earth ions in a metallic host or multi--level quantum dots coupled to metallic leads. It is shown that the multiplet structure of the local orbitals leads to multiple Kondo peaks above the Fermi energy $E_F$, and to ``shadow'' peaks below $E_F$. We use a slave boson mean field theory, which recovers the strong coupling Fermi liquid fixed point, to calculate the Kondo peak positions, widths, and heights analytically at T=0, and NCA calculations to fit the temperature dependence of high--resolution photoemission spectra of Ce compounds. In addition, an approximate conductance quantization for transport through multi--level quantum dots or single--atom transistors in the Kondo regime due to a generalized Friedel sum rule is demonstrated.Comment: 4 pages, 3 figures. Invited article, 23rd International Conference on Low Temperature Physics LT23, Hiroshima, Japan 200

Wigner and Kondo physics in quantum point contacts revealed by scanning gate microscopy

Quantum point contacts exhibit mysterious conductance anomalies in addition to well known conductance plateaus at multiples of 2e^2/h. These 0.7 and zero-bias anomalies have been intensively studied, but their microscopic origin in terms of many-body effects is still highly debated. Here we use the charged tip of a scanning gate microscope to tune in situ the electrostatic potential of the point contact. While sweeping the tip distance, we observe repetitive splittings of the zero-bias anomaly, correlated with simultaneous appearances of the 0.7 anomaly. We interpret this behaviour in terms of alternating equilibrium and non-equilibrium Kondo screenings of different spin states localized in the channel. These alternating Kondo effects point towards the presence of a Wigner crystal containing several charges with different parities. Indeed, simulations show that the electron density in the channel is low enough to reach one-dimensional Wigner crystallization over a size controlled by the tip position

Support for single major genes influencing fat androstenone level and development of bulbo-urethral glands in young boars

A two-step genetic analysis was performed on data collected in a fourgeneration selection experiment comprising a control and a selected line in a Large White-Landrace crossbred population. The two-trait selection index used for choosing replacement boars of the selected line included fat androstenone level and the average thickness of right and left bulbo-urethral glands, the latter trait being an indicator of the sexual maturity status of young boars. Fat androstenone level was determined on a biopsy sample of backfat taken at 118 kg liveweight, whereas bulbo-urethral gland size was measured by echotomography, using a rectal probe, at 99 kg liveweight. A total of 949 entire males, from 57 sires and 353 dams, were recorded for both traits. In the first step of analysis, REML genetic parameters were estimated using a bivariate animal model. Heritability estimates (± SE) were 0.55 ± 0.07 for fat androstenone level and 0.63 ± 0.05 for bulbo-urethral gland size. A fairly close genetic correlation (0.68 ± 0.05) was found between the two traits. The second step of analysis consisted in testing the hypothesis of a mixed mode of inheritance (polygenes + major gene) for each trait using segregation analysis methods. A major two-allele gene was found to affect fat androstenone level. Under the genetic model that best explained the situation, the ’low androstenone’ allele (L) is completely dominant over the ’high androstenone’ allele (H), and the difference between HH and LL (or HL) genotypes amounts to three SD units of the trait. A twoallele major gene was also shown to influence bulbo-urethral gland size (difference close to two SD units between the two homozygous genotypes) with a probably incomplete dominance of the ’small size’ allele. There was no evidence for linkage of these genes with the swine leukocyte antigen (SLA) system. Whether these two postulated major genes are a unique gene or not is discussed.Cette étude concerne une analyse génétique, en deux étapes, des données recueillies dans les quatre générations d’une expérience de sélection comportant une lignée témoin et une lignée sélectionnée dans une population croisée à base de Large White et de Landrace. L’indice à deux caractères utilisé pour le choix des verrats de la lignée sélectionnée combinait la teneur en androsténone du gras et l’épaisseur moyenne des glandes bulbo-uréthrales droite et gauche, ce dernier caractère étant un indicateur du statut de maturité sexuelle des jeunes verrats. La teneur en androsténone a été mesurée sur une biopsie de gras dorsal prélevée à 118 kg de poids vif alors que le développement des glandes bulbo-uréthrales a été mesuré par échotomographie, à l’aide d’une sonde rectale, à 99 kg de poids vif. Au total, 9l,9 mâles entiers, issus de 57 pères et 353 mères, ont été mesurés pour l’un et l’autre caractère. Dans la première étape de l’analyse, les paramètres génétiques des deux caractères ont été estimés à l’aide d’une procédure REML appliquée à un modèle animal bicaractère. Les estimées d’héritabilité (± erreur standard) sont 0,55 ± 0,07 pour la teneur en androsténone du gras et 0,63 ± 0,05 pour l’épaisseur moyenne des glandes bulbo-uréthrales. Une corrélation génétique relativement élevée (0,68 ± 0,05) a été trouvée entre les deux caractères. Une seconde étape de l’étude a consisté à tester, à l’aide de méthodes d’analyse de ségrégation, l’hypothèse d’un déterminisme génétique mixte (polygènes + un gène majeur) pour chaque caractère. Un gène à effet majeur sur la teneur en androsténone du gras a été mis en évidence : selon le modèle génétique le plus explicatif, l’allèle « faible» (L) est complètement dominant sur l’allèle « fort» (H), avec une différence entre les génotypes HH et LL (ou HL) voisine de trois écarts types phénotypiques du caractère. Un gène à effet majeur sur l’épaisseur moyenne des glandes bulbo-uréthrales (différence de l’ordre de deux écarts types phénotypiques entre les génotypes homozygotes) a également été mis en évidence avec une dominance probablement incomplète de l’allèle «faible». Ces deux gènes ne semblent pas être liés avec le système d’histocompatibilité majeur (SLA). La possible identité des deux gènes majeurs postulés est discuté

Differential roles of p39Mos–Xp42Mpk1 cascade proteins on Raf1 phosphorylation and spindle morphogenesis in Xenopus oocytes

AbstractFully-grown G2-arrested Xenopus oocytes resume meiosis upon hormonal stimulation. Resumption of meiosis is characterized by germinal vesicle breakdown, chromosome condensation, and organization of a bipolar spindle. These cytological events are accompanied by activation of MPF and the p39Mos–MEK1–Xp42Mpk1–p90Rsk pathways. The latter cascade is activated upon p39Mos accumulation. Using U0126, a MEK1 inhibitor, and p39Mos antisense morpholino and phosphorothioate oligonucleotides, we have investigated the role of the members of the p39Mos–MEK1–Xp42Mpk1–p90Rsk in spindle morphogenesis. First, we have observed at a molecular level that prevention of p39Mos accumulation always led to MEK1 phosphorylation defects, even when meiosis was stimulated through the insulin Ras-dependent pathway. Moreover, we have observed that Raf1 phosphorylation that occurs during meiosis resumption was dependent upon the activity of MEK1 or Xp42Mpk1 but not p90Rsk. Second, inhibition of either p39Mos accumulation or MEK1 inhibition led to the formation of a cytoplasmic aster-like structure that was associated with condensed chromosomes. Spindle morphogenesis rescue experiments using constitutively active Rsk and purified murine Mos protein suggested that p39Mos or p90Rsk alone failed to promote meiotic spindle organization. Our results indicate that activation of the p39Mos–MEK1–Xp42Mpk1–p90Rsk pathway is required for bipolar organization of the meiotic spindle at the cortex