Financial Literacy: What Are Business Schools Teaching?

The financial illiteracy of Americans has attracted the attention and funds of more than 10 federal agencies and countless other state agencies and non-profit organizations. The manifestations of poor financial skills and planning are divorce, depression, and many elderly Americans living in poverty. Hundreds of business and non-business college students have been surveyed. Both groups were found to be financially illiterate. We examined the curricula of 100 AACSB institutions and concluded that business schools are either not offering fundamental courses in personal financial planning or that the courses are not generally available to business students (for credit) or non-business students. It is ironic that college students are graduating with the required 60 credits in the liberal arts, but are not required to pass a course in personal finance. We feel strongly that it is time for business faculty, specifically finance faculty, to argue that being financially literate is as important as being literate in English and the sciences

Mothers\u27 Eating Beliefs and Behaviors and Their Relationship to Daughters\u27 Bulimic and Anorexic Symptoms

The present study examined whether there was a relationship between daughters\u27 eating disorder symptomology and maternal food control and health-conscious eating attitudes. Eighty-eight females with a continuum of eating disorder behaviors (DSM-IV eating disorders through nondieters) and 74 of their mothers participated. Participants completed the Anorexia Bulimia Inventory, two subscales from the Eating Disorder Inventory, the Three Factor Eating Questionnaire , the Family Environment Scale, the Maternal Food Control and Meal Preparation Scale, and the Marlowe-Crowne Social Desirability Scale. Results indicated that, in general, daughters\u27 reported eating disorder symptomology and perceived familial control were related. Some of the more specific maternal food control variables perceived by daughters were also related to their reported symptomology. Yet, maternal reports on these same variables tended not to correspond to daughters\u27 reported symptomology. Specifically, regression analyses indicated that a combination of perceived high familial control, perceived low maternal concern with healthy meal preparation and restriction, and perceived high maternal anxiety regarding healthy eating predicted higher levels of reported anorexic symptomology. Similar variables predicted reported bulimic symptomology, but only increased general familial control predicted symptoms characteristic of both disorders. Analyses also revealed that daughters\u27 eating disorder symptomology tended to be inversely related to responding in a socially desirable manner. Perceptual differences were noted and discussed between mothers\u27 and daughters\u27 reports of familial control. Lastly, mothers\u27 report of food control was not correlated with reported familial control. This study was the first to examine the more specific maternal control issues, maternal health-conscious attitudes, and their relationship to daughters\u27 maladaptive eating behaviors. The results of the present study are consistent with the speculation that a combination of daughters\u27 perception of high familial control, high maternal anxieties about children\u27s eating practices, and low maternal concern with healthy meal preparation might contribute to the development or maintenance of anorexic and bulimic symptomology. Finally, limitations were discussed and recommendations were made for future research

Mentoring Female Entrepreneurs: Revenue Analysis

Throughout the world, significantly less women own businesses than their male counterparts. In addition, they tend to own businesses that are smaller, have less growth, are less profitable and have lower sales turnover than those of men. Supporting female entrepreneurs is crucial as they tend to spend more on the health of the household, nutrition and education. This paper uses a randomized controlled trial to determine the impact of a mentorship program between experienced female entrepreneurs and inexperienced entrepreneurs, specifically focusing on the impact to profits. I use data collected from three rounds of survey over the course of six months from a sample of 107 female entrepreneurs in Medellin, Colombia. The results show that the treatment had a negative effect on revenue, though not significant

Asymmetries in Mars' Exosphere: Implications for X-ray and ENA Imaging

Observations and simulations show that Mars' atmosphere has large seasonal variations. Total atmospheric density can have an order of magnitude latitudinal variation at exobase heights. By numerical simulations we show that these latitude variations in exobase parameters induce asymmetries in the hydrogen exosphere that propagate to large distances from the planet. We show that these asymmetries in the exosphere produce asymmetries in the fluxes of energetic neutral atoms (ENAs) and soft X-rays produced by charge exchange between the solar wind and exospheric hydrogen. This could be an explanation for asymmetries that have been observed in ENA and X-ray fluxes at Mars.Comment: Submitted to Space Science Review. v2: Minor changes in text and figure

Ca2+ -permeable AMPA receptors and their auxiliary subunits in synaptic plasticity and disease

AMPA receptors are tetrameric glutamate‐gated ion channels that mediate a majority of fast excitatory neurotransmission in the brain. They exist as calcium‐impermeable (CI‐) and calcium‐permeable (CP‐) subtypes, the latter of which lacks the GluA2 subunit. CP‐AMPARs display an array of distinctive biophysical and pharmacological properties that allow them to be functionally identified. This has revealed that they play crucial roles in diverse forms of central synaptic plasticity. Here we summarise the functional hallmarks of CP‐AMPARs and describe how these are modified by the presence of auxiliary subunits that have emerged as pivotal regulators of AMPARs. A lasting change in the prevalence of GluA2‐containing AMPARs, and hence in the fraction of CP‐AMPARs, is a feature in many maladaptive forms of synaptic plasticity and neurological disorders. These include modifications of glutamatergic transmission induced by inflammatory pain, fear conditioning, cocaine exposure, and anoxia‐induced damage in neurons and glia. Furthermore, defective RNA editing of GluA2 can cause altered expression of CP‐AMPARs and is implicated in motor neuron damage (amyotrophic lateral sclerosis) and the proliferation of cells in malignant gliomas. A number of the players involved in CP‐AMPAR regulation have been identified, providing useful insight into interventions that may prevent the aberrant CP‐AMPAR expression. Furthermore, recent molecular and pharmacological developments, particularly the discovery of TARP subtype‐selective drugs, offer the exciting potential to modify some of the harmful effects of increased CP‐AMPAR prevalence in a brain region‐specific manner

Class-D audio amplifiers with negative feedback

There are many different designs for audio amplifiers. Class-D, or switching, amplifiers generate their output signal in the form of a high-frequency square wave of variable duty cycle (ratio of on time to off time). The square-wave nature of the output allows a particularly efficient output stage, with minimal losses. The output is ultimately filtered to remove components of the spectrum above the audio range. Mathematical models are derived here for a variety of related class-D amplifier designs that use negative feedback. These models use an asymptotic expansion in powers of a small parameter related to the ratio of typical audio frequencies to the switching frequency to develop a power series for the output component in the audio spectrum. These models confirm that there is a form of distortion intrinsic to such amplifier designs. The models also explain why two approaches used commercially succeed in largely eliminating this distortion; a new means of overcoming the intrinsic distortion is revealed by the analysis. Copyright (2006) Society for Industrial and Applied Mathematic

TARP γ-2 is required for inflammation-associated AMPA receptor plasticity within lamina II of the spinal cord dorsal horn

In the brain, transmembrane AMPA receptor (AMPAR) regulatory proteins (TARPs) critically influence the distribution, gating, and pharmacology of AMPARs, but the contribution of these auxiliary subunits to AMPAR-mediated signaling in the spinal cord remains unclear. We found that the type I TARP γ-2 (stargazin) is present in lamina II of the superficial dorsal horn (SDH), an area involved in nociception. Consistent with the notion that γ-2 is associated with surface AMPARs, CNQX, a partial agonist at AMPARs associated with type I TARPs, evoked whole-cell currents in lamina II neurons, but such currents were severely attenuated in γ-2-lacking stargazer (stg/stg) mice. Examination of EPSCs revealed the targeting of γ-2 to be synapse specific; the amplitude of spontaneously occurring mEPSCs was reduced in neurons from stg/stg mice, but the amplitude of capsaicin-induced mEPSCs from C-fiber synapses was unaltered. This suggests that γ-2 is associated with AMPARs at synapses in lamina ll but excluded from those at C-fiber inputs, a view supported by our immunohistochemical co-labeling data. Following induction of peripheral inflammation, a model of hyperalgesia, there was a switch in the current-voltage relationships of capsaicin-induced mEPSCs, from linear to inwardly rectifying, indicating an increased prevalence of calcium permeable (CP-) AMPARs. This effect was abolished in stg/stg mice. Our results establish that while γ-2 is not typically associated with calcium-impermeable (CI-) AMPARs at C-fiber synapses, it is required for the translocation of CP-AMPARs to these synapses following peripheral inflammation.SIGNIFICANCE STATEMENTIn the brain, transmembrane AMPA receptor (AMPAR) regulatory proteins (TARPs) critically determine the functional properties of AMPARs, but the contribution of these auxiliary subunits to AMPAR-mediated signaling in the spinal cord remains unclear. An increase in the excitability of neurons within the superficial dorsal horn (SDH) of the spinal cord is thought to underlie heighted pain sensitivity. One mechanism considered to contribute to such long-lived changes is the remodeling of the ionotropic AMPA-type glutamate receptors that underlie fast excitatory synaptic transmission in the SDH. Here we show that the TARP γ-2 (stargazin) is present in SDH neurons and is necessary in a form of inflammatory pain-induced plasticity, which involves an increase in the prevalence of synaptic calcium-permeable AMPARs

Description of complex interventions: analysis of changes in reporting in randomised trials since 2002

BACKGROUND: Inadequate description of non-pharmacological complex interventions in trial publications means that they cannot be replicated or assessed for generalisability. There are published guidelines on how to describe an intervention, such as those from the CONSORT Group. However, there have been few evaluations of whether intervention reporting is improving. METHODS: We aimed to assess whether descriptions of multicomponent, non-pharmacological interventions evaluated in randomised trials are improving. To do so, we chose trials of educational and psychotherapeutic interventions to promote adherence to therapy, and compared those published between 2002 and 2007 (Time-1) with those between 2010 and 2015 (Time-2). These time periods were chosen to concord with the publication in 2008 of the CONSORT extension statement of reporting guidelines for non-pharmacological treatment which included items on intervention description. We assessed 19 items, based on the CONSORT Statement and the more recent Template for Intervention Description and Replication Checklist (TIDieR). Two reviewers independently extracted data. We created a quality score of the eight items we considered key information for replication and assessment of generalisability (setting, provider, recipient, comparator, intervention intensity, how it was conducted, existence of a manual or protocol, and detail of whether there was an assessment of fidelity). Score per item was '1' if reported adequately and '0' if not. RESULTS: Of the eligible trials, 42 were published in Time-1 and 134 published in Time-2. The trials included were published in 112 peer-reviewed journals, 52 of these journals currently require authors to follow the CONSORT Statements, while only one recommended adherence to the TIDieR. Most items of CONSORT and TIDieR were reported by more than half of the trials at both time points. Few trials reported fidelity. A large proportion of the trials did not report the existence of a manual or protocol, or what the comparator group received. We found no statistically significant improvement in the eight-item quality score (Time-1: mean 5.71 (standard deviation (SD) 1.09), Time-2: 5.87 (SD 1.28), p = 0.49). CONCLUSIONS: We found no overall evidence that reporting the specifics of multicomponent, non-pharmacological interventions is improving. Details to replicate interventions remain lacking, impairing best implementation or meaningful further research. Editorial endorsement of reporting checklists needs to be more extensive

Intimate partner violence at a tertiary institution

Background. Intimate partner violence (IPV) is actual or threatened physical, sexual, psychological, emotional or stalking abuse by an intimate partner. Despite the high prevalence of IPV in South Africa (SA), there is a paucity of data on university students training in fields where they are likely to have to manage the after-effects of such events in their personal capacity in the future.Objectives. To ascertain the prevalence of IPV in an SA tertiary institution population with a diverse demographic profile.Methods. Students from the faculty of health sciences and the faculty of humanities, social work department, completed an anonymousquestionnaire. Students were made aware of psychological counselling available to them.Results. Responses were obtained from 1 354 of 1 593 students (85.0%) (67.8% female, 45.9% black, 32.7% white, 16.6% Indian, 4.8% coloured). Of the respondents, 53.0% indicated that they were in a relationship. The prevalence of any type of IPV (sexual, physical or emotional abuse) among all respondents was 42.6%. Emotional abuse was reported by 54.9% of respondents, physical abuse by 20.0% and sexual abuse by 8.9%. Thirty-five females (6.5% of respondents who had suffered IPV) indicated that they had been emotionally, physically and sexually abused. Fourteen percent identified themselves as perpetrators of abuse, but only three perpetrators of sexual abuse reported having also been victims of sexual abuse. Most respondents (58.7%) knew where to get help.Conclusion. The extent of IPV among the medical and social work students sampled was found to be unacceptably high, both as victims and as perpetrators. As a result of their exposure to IPV, these individuals may have difficulty in managing patients who have been subjected to abuse

Auxiliary Subunit GSG1L Acts to Suppress Calcium-Permeable AMPA Receptor Function

UNLABELLED: AMPA-type glutamate receptors are ligand-gated cation channels responsible for a majority of the fast excitatory synaptic transmission in the brain. Their behavior and calcium permeability depends critically on their subunit composition and the identity of associated auxiliary proteins. Calcium-permeable AMPA receptors (CP-AMPARs) contribute to various forms of synaptic plasticity, and their dysfunction underlies a number of serious neurological conditions. For CP-AMPARs, the prototypical transmembrane AMPAR regulatory protein stargazin, which acts as an auxiliary subunit, enhances receptor function by increasing single-channel conductance, slowing channel gating, increasing calcium permeability, and relieving the voltage-dependent block by endogenous intracellular polyamines. We find that, in contrast, GSG1L, a transmembrane auxiliary protein identified recently as being part of the AMPAR proteome, acts to reduce the weighted mean single-channel conductance and calcium permeability of recombinant CP-AMPARs, while increasing polyamine-dependent rectification. To examine the effects of GSG1L on native AMPARs, we manipulated its expression in cerebellar and hippocampal neurons. Transfection of GSG1L into mouse cultured cerebellar stellate cells that lack this protein increased the inward rectification of mEPSCs. Conversely, shRNA-mediated knockdown of endogenous GSG1L in rat cultured hippocampal pyramidal neurons led to an increase in mEPSC amplitude and in the underlying weighted mean single-channel conductance, revealing that GSG1L acts to suppress current flow through native CP-AMPARs. Thus, our data suggest that GSG1L extends the functional repertoire of AMPAR auxiliary subunits, which can act not only to enhance but also diminish current flow through their associated AMPARs. SIGNIFICANCE STATEMENT: Calcium-permeable AMPA receptors (CP-AMPARs) are an important group of receptors for the neurotransmitter glutamate. These receptors contribute to various forms of synaptic plasticity, and alterations in their expression or regulation are also seen in a number of serious neurological conditions, including stroke, motor neuron disease, and cocaine addiction. Several groups of auxiliary transmembrane proteins have been described that enhance the function and cell-surface expression of AMPARs. We now report that the recently identified auxiliary protein GSG1L decreases weighted mean channel conductance and calcium permeability of CP-AMPARs while increasing polyamine-dependent rectification by diminishing outward current. Our experiments reveal that GSG1L is an auxiliary subunit that can markedly suppress CP-AMPAR function, in both recombinant systems and central neurons