Cross-Domain Behavioral Credit Modeling: transferability from private to central data

This paper introduces a credit risk rating model for credit risk assessment in quantitative finance, aiming to categorize borrowers based on their behavioral data. The model is trained on data from Experian, a widely recognized credit bureau, to effectively identify instances of loan defaults among bank customers. Employing state-of-the-art statistical and machine learning techniques ensures the model's predictive accuracy. Furthermore, we assess the model's transferability by testing it on behavioral data from the Bank of Italy, demonstrating its potential applicability across diverse datasets during prediction. This study highlights the benefits of incorporating external behavioral data to improve credit risk assessment in financial institutions.Comment: 25 pages, 15 figure

RNA-based strategies for cancer therapy: in silico design and evaluation of ASOs for targeted exon skipping

Precision medicine in oncology has made significant progress in recent years by approving drugs that target specific genetic mutations. However, many cancer driver genes remain challenging to pharmacologically target ("undruggable"). To tackle this issue, RNA-based methods like antisense oligonucleotides (ASOs) that induce targeted exon skipping (ES) could provide a promising alternative. In this work, a comprehensive computational procedure is presented, focused on the development of ES-based cancer treatments. The procedure aims to produce specific protein variants, including inactive oncogenes and partially restored tumor suppressors. This novel computational procedure encompasses target-exon selection, in silico prediction of ES products, and identification of the best candidate ASOs for further experimental validation. The method was effectively employed on extensively mutated cancer genes, prioritized according to their suitability for ES-based interventions. Notable genes, such as NRAS and VHL, exhibited potential for this therapeutic approach, as specific target exons were identified and optimal ASO sequences were devised to induce their skipping. To the best of our knowledge, this is the first computational procedure that encompasses all necessary steps for designing ASO sequences tailored for targeted ES, contributing with a versatile and innovative approach to addressing the challenges posed by undruggable cancer driver genes and beyond

Toward Guidelines for Research on Human Embryo Models Formed from Stem Cells.

Over the past few years, a number of research groups have reported striking progress on the generation of in vitro models from mouse and human stem cells that replicate aspects of early embryonic development. Not only do these models reproduce some key cell fate decisions but, especially in the mouse system, they also mimic the spatiotemporal arrangements of embryonic and extraembryonic tissues that are required for developmental patterning and implantation in the uterus. If such models could be developed for the early human embryo, they would have great potential benefits for understanding early human development, for biomedical science, and for reducing the use of animals and human embryos in research. However, guidelines for the ethical conduct of this line of work are at present not well defined. In this Forum article, we discuss some key aspects of this emerging area of research and provide some recommendations for its ethical oversight

Hygienic and dietetic guidelines for implant-supported full-arch immediate loading prostheses

Introduction: Proper oral hygiene and diet are important considerations for success in implant prosthodontics. However, detailed hygienic and dietetic guidelines for patients rehabilitated with implant-supported, immediate loading prostheses are lacking in the literature. Methods: The authors have developed a dietary and hygienic protocol for patients rehabilitated with implant-supported, full-arch, immediate loading prostheses in order to avoid occlusal overloads during osseointegration and optimize healing. Results: The dietary and hygienic guidelines provided in this paper emphasize the importance of maintaining proper oral hygiene and diet to support osseointegration and soft tissue healing during postsurgery healing periods. Conclusions: The protocol presented has been an effective instrument to obtain and maintain osseointegration in patients rehabilitated with full-arch, immediate loading prostheses

An orthotopic xenograft model of human nonseminomatous germ cell tumour

We have established the first example of an orthotopic xenograft model of human nonseminomatous germ cell tumour (NSGCT). This reproducible model exhibits many clinically relevant features including metastases to the retroperitoneal lymph nodes and lungs, making it an ideal tool for research into the development and progression of testicular germ cell tumours. © 2001 Cancer Research Campaign http://www.bjcancer.co

Temporal dynamics of soil fungal communities after partial and total clear-cutting in a managed Pinus sylvestris stand

Forest management aimed to maximize timber production might impact soil fungi, especially those symbiotically associated to tree roots. In this study, we analyse the temporal dynamics of soil fungi along five sampling years after tree removal in a managed Pinus sylvestris stand in northern Spain, where timber production is combined with regular mushroom harvesting. Two management methods were tested: total and partial clear-cutting leaving retention trees for seedling regeneration. Undisturbed, uncut plots were also included in the experiment as a control treatment. The whole fungal community (phylotypes and ecological guilds) were analysed by high-throughput Illumina MiSeq sequencing of fungal ITS1 amplicons. We hypothesized that (1) ectomycorrhizal fungal communities will decrease after both clear-cutting treatments with a concurrent increase in the abundance of saprotrophs, (2) the abundance and diversity of the ectomycorrhizal guild will be more preserved in partially clear-cut than in total clear-cut plots, and (3) the overall fungal diversity will decrease in the cut plots leading to major losses of ectomycorrhizal species. Our results show that soil fungal composition changed across the five years after clear-cutting by decreasing ectomycorrhizal fungi and increasing saprotrophs. However, these changes did not significantly affect fungal diversity and there were taxa-specific responses to tree harvest treatments. Boletus edulis, the most abundant ectomycorrhizal species fruiting in the study area and a valuable local non-forest resource, was negatively affected by either clear-cutting treatments. Soil fungal community composition in partially clear-cut areas was not different from that of total clear-cut areas. Our results indicate a strong effect of tree harvest on the relative abundance of ectomycorrhizal fungi along the first years after clear-cutting. However, levels of fungal diversity were comparable to the undisturbed forest, thus suggesting a potential further recovery of ectomycorrhizal fungi through the colonization of the regenerated seedlings.info:eu-repo/semantics/acceptedVersio

The pluripotent state in mouse and human

In the mouse, naïve pluripotent stem cells (PSCs) are thought to represent the cell culture equivalent of the late epiblast in the preimplantation embryo, with which they share a unique defining set of features. Recent studies have focused on the identification and propagation of a similar cell state in human. Although the capture of an exact human equivalent of the mouse naïve PSC remains an elusive goal, comparative studies spurred on by this quest are lighting the path to a deeper understanding of pluripotent state regulation in early mammalian development

Nanocomposite MFI-alumina and FAU-alumina Membranes: Synthesis, Characterization and Application to Paraffin Separation and CO2 Capture

Rouleau, L. Pirngruber, G. Guillou, F. Barrere-Tricca, C. Omegna, A. Valtchev, V. Pera-Titus, M. Miachon, S. Dalmon, J. A.International audienceIn this work, we report the preparation of thermally and mechanically resistant high-surface (24-cm2) nanocomposite MFI-alumina and FAUalumina membranes by pore-plugging synthesis inside the macropores of α-alumina multilayered tubular supports. The MFI membranes were prepared from a clear solution precursor mixture being able to easily penetrate into the pores of the support. The MFI membranes were evaluated in the separation of n-/i-butane mixtures. The synthesis reliability was improved by mild stirring. The most selective MFI membranes were obtained for supports with mean pore sizes of 0.2 and 0.8 μm. The MFI effective thickness could be reduced to less than 10 μm by impregnating the support with water prior to synthesis and by diluting the synthesis mixture. The best MFI membrane offered an excellent tradeoff between selectivity and permeance at 448 K, with separation factors for equimolar n-butane/i-butane mixtures up to 18 and n-butane mixture permeances as high as 0.7 μmol$\cdot$s-1$\cdot$m-2$\cdot$Pa-1.Furthermore, a novel nanocomposite FAU membrane architecture has been obtained by an original synthesis route including in situ seeding using a cold gel-like precursor mixture, followed by growth of the FAU material by hydrothermal synthesis in two steps using a clear solution of low viscosity. This new membrane showed interesting performance in the separation of an equimolar CO2/N2 mixture at 323 K, with CO2/N2 separation factors and mixture CO2 permeances up to 12 and 0.4 μmol$\cdot$s-1$\cdot$m-2$\cdot$Pa-1,respectively

Diagnosis of right bundle branch block: a concordance study

Bundle branch block; ConcordanceBloqueig de branca; ConcordançaBloqueo de rama; ConcordanciaBACKGROUND: Right bundle branch block is one of the most common electrocardiographic abnormalities. Most cases of right bundle branch block are detected in asymptomatic patients in primary care, so a correct interpretation of electrocardiograms (ECGs) at this level is necessary. The objective of this research is to determine the degree of concordance in the diagnosis of incomplete and complete right bundle branch block between four primary care researchers and a cardiologist. METHODS: The research design is a retrospective cohort study of patients over 18 years of ages of patients over 18 years of ages who underwent an ECG for any reason and were diagnosed with right bundle branch block by their physician. The physicians participating, 4 primary care researchers and a cardiologist were specialized in interpreting electrocardiographic records. The diagnosis of incomplete and complete right bundle branch block was recorded and other secondary variables were analysed. In case of diagnostic discordance between the researchers, the ECGs were reviewed by an expert cardiologist, who interpreted them, established the diagnosis and analysed the possible causes for the discrepancy. RESULTS: We studied 160 patients diagnosed with right bundle branch block by their general practise. The patients had a mean age of 64.8 years and 54% of them were men. The concordance in the diagnosis of incomplete right bundle branch block showed a Fleiss' kappa index (k) of 0.71 among the five researchers and of 0.85 among only the primary care researchers. The k for complete right bundle branch block was 0.93 among the five researchers and 0.96 among only the primary care researchers. CONCLUSION: The interobserver agreement in the diagnosis of right bundle branch block performed by physicians specialized in ECG interpretation (primary care physicians and a cardiologist) was very good. The variability was greater for the diagnosis of incomplete right bundle branch block