A cognition-driven risk evaluation framework for consumer loans

Credit to personal consumption is an important activity of the financial system and crucial to the socio-economic development of a country. It is important, therefore, that the methods and techniques used to evaluate consumer credit risk be as efficient and informative as possible, in order to strengthen decisions to approve or reject credit and promote sustainable economic growth. This study aims to create a multiple criteria expert system which integrates cognitive maps and the measuring attractiveness by a categorical based evaluation technique (MACBETH) to create a complementary framework for consumer credit risk assessment. The results show that this integrated approach allows the evaluation process of consumer credit risk to be more informed and transparent, providing value for the evaluation processes of this type of credit application as a result of the privileged contact established with a panel of credit analysts. Limitations and managerial implications are also discussed.info:eu-repo/semantics/publishedVersio

Metal reduction in wine using PVI-PVP copolymer and its effects on chemical and sensory characters

We studied the influence of an adsorbent PVI-PVP resin (a copolymer of vinylimidazole and vinylpyrrolidone), on the removal of heavy metals in wines, mainly copper (Cu), iron (Fe), lead (Pb), cadmium (Cd) and aluminium (Al). The study also investigated the influence of PVI-PVP on the physical-chemical and sensory characteristics of white and red wines, comparing its effect when applied in the must and in the wine. The removal of metals was more effective when PVI-PVP was applied to the wine than to the must. The removal of Fe and Pb was more effective in white wines than in red wines, while the removal of Cu and Al was higher in red wines. In general, the higher the PVI-PVP dose, the greater the quantity of metallic elements (copper, iron, lead and aluminium) that are removed. PVI-PVP had a minor effect on phenolic composition. The wines showed some decrease in total acidity and an increase in pH with PVI-PVP. The application of PVI-PVP at the dose rates employed here did not affect the wine’s sensory characteristics significantly

Wearable biopotential measurement using the TI ADS1198 analog front-end and textile electrodes : signal conditioning and signal quality assessment

The development of mobile systems for monitoring bioelectric signals outside a hospital environment involves many challenges that do not arise when it is in a controlled environment, like a hospital. The dimensions of these systems are an important factor to consider in order to facilitate their use without interfering with the daily activities of individuals. The purpose of this work is the implementation of a single-supply battery-powered, low power ECG/EMG signal monitoring system based on the ADS1198 Analog Front-End from Texas Instruments. The system was designed to acquire ECG signals from three electrodes using the integrated Right-Leg-Drive (RLD) circuit from the ADS1198. The developed analog front-end was connected for testing purposes through the SPI interface to a NI-USB 8451 board and signals were acquired using LabVIEW. The circuit was tested in several situations and proved to provide high quality signals using textile integrated electrodes and conventional disposable gel electrodes.FEDER- “Programa Operacional Factores de Competitividade – COMPETE”, FCT - Fundação para a Ciência e a Tecnologia, projects PEst-C/CTM/UI0264/2011 and PTDC/EEA-ELC/70803/2006, and Instituto de Telecomunicaçõe

Continuous health monitoring using e-textile integrated biosensors

In this work, continuous health monitoring for disabled or elderly people is proposed using textile integrated electrodes for ECG measurement. Other applications, such as EMG or skin impedance measurement are also envisaged. The paper specifically describes a shirt integrating electrodes for ECG measurement that has been tested in several conditions. The techniques for integration of ECG electrodes can be directly applied for production of EMG or skin-impedance electrodes.Signal processing techniques for heart rate value extraction and to deal with low-quality signal or motion artefacts are being tested and will also be described. Results show that signals acquired with the shirt are comparable to signals acquired with conventional gel electrodes. The complete integration of the electrodes into clothing may have a very interesting psychological benefit, but some issues related to comfort and daily use have to be further investigated.Fundação para a Ciência e a Tecnologia (FCT

Can cardiac computed tomography predict cardiovascular events in asymptomatic type-2 diabetics?: results of a long term follow-up

BACKGROUND: Doubts remain about atherosclerotic disease and risk stratification of asymptomatic type-2 diabetic patients (T2DP). This study aims to evaluate the usefulness of calcium score (CS) and coronary computed tomography (CT) angiography (CTA) to predict fatal and non fatal cardiovascular events (CVEV) in T2DP. METHODS: Eighty-five consecutive T2DP undergoing CT (Phillips Brilliance, 16-slice) with CS and CTA were prospectively enrolled in a transversal case-control study. Patients were followed for 48 months (range 18 - 68) to assess CVEV: cardiovascular death, acute coronary syndrome, revascularisation and stroke. Potential predictors of CVEV were identified. Predictive models based on clinical features, CTA and CS were created and compared. RESULTS: Performing CT impacted T2DP treatment. Cardiovascular risk was lowered during follow-up but metabolic control remained suboptimal. CVEV occurred in 11.8% T2DP (3.1%/year). CS ≥86.6 was predictor of CVEV over time, with a high negative predictive value, an 80% sensitivity and 74.7% specificity. Although its prognostic value was not independent of the presence/absence of obstructive CAD, adding CS and CTA data to clinical parameters improved the prediction of CVEV: the combined model had the highest AUC (0.888, 95%CI 0.789-0.987, p < 0.001) for the prediction of the study endpoints. CONCLUSIONS: CS showed great value in T2DP risk stratification and its prognostic value was further enhanced by CTA data. Information provided by CT may help predict CVEV in T2DP and potentially improve their outcome

Electrochemical and analytical investigation of passive films formed on stainless steels in alkaline media

Passive films were grown in potentiodynamic mode, by cyclic voltammetry on AISI 316 and AISI 304 stainless steels. The composition of these films was investigated by X-ray photoelectron spectroscopy (XPS). The electrochemical behaviour and the chemical composition of the passive films formed by cyclic voltammetry were compared to those of films grown under natural conditions (by immersion at open circuit potential, OCP) in alkaline solutions simulating concrete. The study included the effect of pH of the electrolyte and the effect of the presence of chloride ions. The XPS results revealed important changes in the passive film composition, which becomes enriched in chromium and depleted in magnetite as the pH decreases. On the other hand, the presence of chlorides promotes a more oxidised passive layer. The XPS results also showed relevant differences on the composition of the oxide layers for the films formed under cyclic voltammetry and/or under OCP

Design of smart garments for sports and rehabilitation

Physical exercise has proved benefits for general health [1] and can reduce the number of sports injuries to one third [2]. However, an athlete that has been injured during sports practice may omit this out of fear of discrimination, and worsen the injury in the weight room, during strength training [5]. Monitoring physiological status of an athlete or rehabilitation patients during training may thus help the person to get an earlier intervention, preventing injuries from getting worse. With this in mind, we propose a set of compression garments – shirt and leggings – with textile sensors to continually monitor heart and muscle activity, breathing rate and temperature. This paper reports the design of the garments and production of the shirt, which comprised a 3-lead ECG system, sEMG (Surface Electromiography) electrodes and a breathing sensor. The ECG (Electrocardiography) system was tested and presented some good results, in particular for very even movements, but the system still needs to be improved, in order to get a better signal, when it comes to movements with a considerable amplitude.This work is financed by Project “Deus ex Machina”, NORTE-01-0145-FEDER-000026, funded by CCDRN, through Sistema de Apoio à Investigação Cientifica e Tecnológica (Projetos Estruturados I&D&I) of Programa Operacional Regional do Norte, from Portugal 2020 and by FEDER funds through the Competitivity Factors Operational Programme - COMPETE and by national funds through FCT – Foundation for Science and Technology within the scope of the project POCI-01-0145-FEDER-007136.info:eu-repo/semantics/publishedVersio

Exploring the fate of phlorotannins from Laminaria digitata across the gastrointestinal tract: insights into susceptibility and bioactivity prior and post gastrointestinal digestion

Phlorotannins are phenolic compounds exclusive from brown macroalgae endowed with promising bioactive properties. However, considering that diet is their main route of entrance to our system, gastrointestinal digestion might affect such bioactive properties. Here, phlorotannin extracts obtained from Laminaria digitata were submitted to simulated gastrointestinal digestion to evaluate its impact on their antioxidant and anti-inflammatory properties. Overall, a reduction of the total phlorotannin content along the gastrointestinal tract was noticed, although the antioxidant activity measured in vitro via NO● and O2●− scavenging assays, maintained almost the same. The crude extract (70 % v/v acetone) exhibited superior inhibition of NO● release on lipopolysaccharide-stimulated cells after digestion. In contrast, the opposite occurred to the phlorotannin-purified extract, indicating that the digestive process favors the anti-inflammatory properties of the former but not the latter. Data collected from UHPLC-MS analysis revealed that the fuhalol and carmalol-type compounds were completely absent from the digested phlorotannin-purified extract, which could partly explain its lower anti-inflammatory activity compared with its non-digested counterpart. Overall, this study contributes to a better understanding of the impact of gastrointestinal digestion on the bioactivity profile of L. digitata phlorotannins, demonstrating that fuhalols and carmalols are particularly susceptible to the digestive process.info:eu-repo/semantics/publishedVersio

The ETTAA study protocol: a UK-wide observational study of 'Effective Treatments for Thoracic Aortic Aneurysm'.

Introduction Chronic thoracic aortic aneurysm (CTAA) affecting the arch or descending aorta is an indolent but life-threatening condition with a rising prevalence as the UK population ages. Treatment may be in the form of open surgical repair (OSR) surgery, endovascular stent grafting (ESG) or best medical therapy (BMT). Currently, there is no consensus on the best management strategy, and no UK-specific economic studies that assess outcomes beyond the chosen procedure, but this is required in the context of greater demand for treatment and limited National Health Service (NHS) resources. Methods and analysis This is a prospective, multicentre observational study with statistical and economic modelling of patients with CTAA affecting the arch or descending aorta. We aim to gain an understanding of how treatments are currently chosen, and to determine the clinical effectiveness and cost-effectiveness of the three available treatment strategies (BMT, ESG and OSR). This will be achieved by: (1) following consecutive patients who are referred to the teams collaborating in this proposal and collecting data regarding quality of life (QoL), medical events and hospital stays over a maximum of 5 years; (2) statistical analysis of the comparative effectiveness of the three treatments; and (3) economic modelling of the comparative cost-effectiveness of the three treatments. Primary study outcomes are: aneurysm growth, QoL, freedom from reintervention, freedom from death or permanent neurological injury, incremental cost per quality-adjusted life year gained. Ethics and dissemination The study will generate an evidence base to guide patients and clinicians to determine the indications and timing of treatment, as well as informing healthcare decision-makers about which treatments the NHS should provide. The study has achieved ethical approval and will be disseminated primarily in the form of a Health Technology Assessment monograph at its completion