126 GeV Higgs in Next-to-Minimal Universal Extra Dimensions

Discovery of a Higgs boson and precise measurements of its properties open a new window to test physics beyond the standard model. Models with Universal Extra Dimensions are not exception. Kaluza-Klein excitations of the standard model particles contribute to the production and decay of the Higgs boson. In particular, the parameters associated with third generation quarks are constrained by Higgs data, which are relatively insensitive to other searches often involving light quarks and leptons. We investigate implications of the 126 GeV Higgs in Next-to-Minimal Universal Extra Dimensions, and show that boundary terms and bulk masses allow a lower compactification scale as compared to in Minimal Universal Extra Dimensions.Comment: 12 pages, 4 figure

The efficiency of residential mortgage guarantee insurance markets

Mortgage Guarantee Insurance (MGI) provides protection to lenders against default by borrowers who have less than 20 percent equity interest in the mortgaged property. The existence of this form of insurance helps to stimulate home ownership by allowing consumers with less than twenty percent down payment access to credit markets. Initially an invention of lenders, MGI became dominated by government agencies after the Great Depression but recently private insurers have increased their market share to more than 75 percent. The domination of the industry by the private sector appears not to affirm competition, however. Despite varying loss ratios across states, MGI premiums appear to remain relatively uniform, suggesting price inflexibility. This paper uses cross-sectional data on loss ratio, mortgage delinquency rates, and housing prices to test empirically the level of competition in the MGI industry. The paper finds that the level of competition in the industry is not sufficient to drive the premiums to the competitive (efficient) level. The implication is that national cross subsidies occur where high risk insureds are subsidized by low risk insureds.Mortgages

Label-free microfluidic enrichment of ring-stage Plasmodium falciparum-infected red blood cells using non-inertial hydrodynamic lift

<b>Background</b> Understanding of malaria pathogenesis caused by Plasmodium falciparum has been greatly deepened since the introduction of in vitro culture system, but the lack of a method to enrich ring-stage parasites remains a technical challenge. Here, a novel way to enrich red blood cells containing parasites in the early ring stage is described and demonstrated.<p></p> <b>Methods</b> A simple, straight polydimethylsiloxane microchannel connected to two syringe pumps for sample injection and two height reservoirs for sample collection is used to enrich red blood cells containing parasites in the early ring stage (8-10 h p.i.). The separation is based on the non-inertial hydrodynamic lift effect, a repulsive cell-wall interaction that enables continuous and label-free separation with deformability as intrinsic marker.<p></p> <b>Results</b> The possibility to enrich red blood cells containing P. falciparum parasites at ring stage with a throughput of ~12,000 cells per hour and an average enrichment factor of 4.3 ± 0.5 is demonstrated.<p></p> <b>Conclusion</b> The method allows for the enrichment of red blood cells early after the invasion by P. falciparumparasites continuously and without any need to label the cells. The approach promises new possibilities to increase the sensitivity of downstream analyses like genomic- or diagnostic tests. The device can be produced as a cheap, disposable chip with mass production technologies and works without expensive peripheral equipment. This makes the approach interesting for the development of new devices for field use in resource poor settings and environments, e.g. with the aim to increase the sensitivity of microscope malaria diagnosis.<p></p&gt