Significance and Key Challenges in Conducting Stress Testing for Islamic Commercial Banks

With the current cross-border growth in Islamic finance, Islamic commercial banks (ICBs) are looking forward to being perceived as an industry in the process of becoming mature. This would require the establishment of some basic infrastructure, including sophisticated risk management tools that enhance the soundness and resilience of the ICBS. This paper focuses on the latter that is the role and significance of stress testing as a risk management tool. The stress testing has become part of the regulatory and supervisory authorities within the financial stability analysis. The global financial crisis (2008) has placed the spotlight squarely on stress tests. Though, ICBs operate within the similar financial environment, and their balance sheet composition, however, calls for different treatment in stress testing. Apart from the specificities of ICBs, there are key issues and challenges that should be given due considerations in developing an appropriate stress testing regime. This paper explores key specificities and challenges. The paper argues that in the beginning, conducting the stress testing may not appear a simple task for the ICBs. However, a proper consideration to the challenges identified in the paper would certainly tend to improve the overall effectiveness and credibility of the stress testing programmes

An Invariant Dual-beam Snowflake Antenna for Future 5G Communications

A broadband snowflake antenna for future 5G and millimeter-wave communications is presented. The proposed antenna has a size of 8 × 5 mm 2 . The antenna consists of a central hexagon surrounded by a series of symmetrically placed smaller hexagons around it, resulting in broadband characteristics. The impedance bandwidth of the proposed antenna ranges from 25.284-29.252 GHz. The antenna has a gain of 3.12 dBi at 28 GHz and is more than 98% efficient. A distinct feature of the proposed antenna is its dual-beam radiation pattern. The two beams remain fixed at ±50° even if the frequency is varied with in its operating band. The proposed antenna is modelled on thin Rogers substrate which makes it very useful for future 5G smart phones

Do Non-Citizens Vote in U.S. Elections?

In spite of substantial public controversy, very little reliable data exists concerning the frequency with which non-citizen immigrants participate in United States elections. Although such participation is a violation of election laws in most parts of the United States, enforcement depends principally on disclosure of citizenship status at the time of voter registration. This study examines participation rates by non-citizens using a nationally representative sample that includes non-citizen immigrants. We find that some non-citizens participate in U.S. elections, and that this participation has been large enough to change meaningful election outcomes including Electoral College votes, and Congressional elections. Non-citizen votes likely gave Senate Democrats the pivotal 60th vote needed to overcome filibusters in order to pass health care reform and other Obama administration priorities in the 111th Congress

Antenna systems for internet of things

No abstract available

Compact Polarization Diversity Antenna for 28/38 GHz Bands

In this paper, design and analysis of a millimeter wave dual- and dual-polarized antenna for 5G millimeter communications system is presented. The proposed design has a compact structure with size of 5 × 5 mm 2 . It consists of a rectangular patch with a crossed-slot etched off in the patch to reduce the interference between the two targeted 5G bands of 28 and 38 GHz. To achieve dual polarization performance, the radiating patch is fed by two different 50-Ω microstrip transmission lines. The antenna has -10dB impedance bandwidths of 2.6GHz (26.8-29.4 GHz) and 2.5GHz (37.7-40.2GHz) to cover 28/38 GHz mobile communication bands respectively. The antenna has the merits of miniaturized dimensions, stable broadside radiation patterns with high gains and low cross polarization in both bands of operation

Melatonin Induced Cold Tolerance in Plants: Physiological and Molecular Responses

Cold stress is one of the most limiting factors for plant growth and development. Cold stress adversely affects plant physiology, molecular and biochemical processes by determining oxidative stress, poor nutrient and water uptake, disorganization of cellular membranes and reduced photosynthetic efficiency. Therefore, to recover impaired plant functions under cold stress, the application of bio-stimulants can be considered a suitable approach. Melatonin (MT) is a critical bio-stimulant that has often shown to enhance plant performance under cold stress. Melatonin application improved plant growth and tolerance to cold stress by maintaining membrane integrity, plant water content, stomatal opening, photosynthetic efficiency, nutrient and water uptake, redox homeostasis, accumulation of osmolytes, hormones and secondary metabolites, and the scavenging of reactive oxygen species (ROS) through improved antioxidant activities and increase in expression of stress-responsive genes. Thus, it is essential to understand the mechanisms of MT induced cold tolerance and identify the diverse research gaps necessitating to be addressed in future research programs. This review discusses MT involvement in the control of various physiological and molecular responses for inducing cold tolerance. We also shed light on engineering MT biosynthesis for improving the cold tolerance in plants. Moreover, we highlighted areas where future research is needed to make MT a vital antioxidant conferring cold tolerance to plants

Lactic acidosis occurrence during exercises in the smoke chamber in a 53-year-old firefighter with no significant medical history

Lactic acidosis is a form of metabolic acidosis with a high anion gap, reduced rate of arterial blood pH under 7.35 mmol/l, and lactic acid concentration over 7 mmol/l. In the literature we can find some descriptions of the cases of lactic acidosis in patients with severe systemic diseases (cancer, acquired immunodeficiency syndrome, sepsis, diabetes with cardiovascular disease and after organ transplantations). We present the case of lactic acidosis in a patient with no chronic disease - a firefighter in whom lactic acidosis has developed during standard exercises in the smoke chamber

Improved salinity tolerance in early growth stage of maize through salicylic acid foliar application

Soil salinity threatens agricultural production worldwide by constraining plant growth and final crop yield. The early stages are most sensitive to salinity, in response to which salicylic acid (SA) has demonstrated beneficial effects in various plant species. Based on this, a maize (Zea mays L.) pot experiment was set up combining three levels of soil salinity (0, 6 and 12 dS m–1), obtained through NaCl addition, with three levels of SA (0, 300 and 600 mM), applied by leaf spraying 20 days after seedling emergence. Fifteen days later, the following traits were assessed: morphology (plant height, leaf number), growth (root and shoot dry weight), leaf water status [relative water content (RWC), elec-trolyte leakage (EL)], pigments (chlorophyll a and b, carotenoids, anthocyanin), antioxidant enzymes (peroxidase, catalase, ascor-bate peroxidase, vitamin C), oxidative stress markers (H2O2, mal-ondialdehyde), osmo-regulating compounds (free amino acids, soluble proteins and sugars, proline), hormones [indole-3-acetic acid, gibberellic acid (GA), abscisic acid (ABA), ethylene], ele-ment (Na, K, Ca, Mg and Cl) concentration and content in roots, stem and leaves. Salinity severely affected maize growth (–26% total dry weight), impaired leaf water status (–31% RWC), reduced photosynthetic pigments, enhanced all antioxidant enzymes and oxidative stress markers, two osmo-regulating compounds (soluble sugars and proline) out of four, and all hormones except GA. SA was shown effective in containing most of the stress effects, while supporting plant defences by upgrading anti-oxidant activities (reduced oxidative stress markers), increasing cell membrane stability (–24% EL) and leaf water status (+20% RWC), and reducing plant stress signalling (–10% ABA and –20% ethylene). Above all, SA contrasted the massive entry of noxious ions (Na+ and Cl–), in favour of K+, Ca2+ and Mg2+ accumulation. Lastly, salicylic acid was shown beneficial for maize growth and physiology also under non-saline condition, suggesting a potential use in normal field conditions

Low-cost printed flexible antenna by using an office printer for conformal applications

A low-cost inkjet printing method for antenna fabrication on a polyethylene terephthalate (PET) substrate is presented in this paper. An office inkjet printer is used to have desired patterns of silver nanoparticle ink on the PET substrate without any postprocessing. Silver nanoparticle ink cures instantly as soon as it is ejected from the printer on a chemically treated PET substrate. The thickness of the silver nanoparticle layer was measured to be 300nm with a sheet resistance of as low as 0.3Ω/sq and a conductivity around 1.11 × 107 S/m with single layer deposition. A coplanar waveguide- (CPW-) fed Z-shape planar antenna on the PET substrate achieved the measured radiation efficiency of 62% and the IEEE gain of 1.44 dBi at 2.45 GHz. The printed antenna is also tested in bending conditions to ascertain its performance for the Internet of things (IoT) conformal applications for the future 5G network

Nurses' experiences, expectations, and preferences for mind-body practices to reduce stress

BACKGROUND: Most research on the impact of mind-body training does not ask about participants\u27 baseline experience, expectations, or preferences for training. To better plan participant-centered mind-body intervention trials for nurses to reduce occupational stress, such descriptive information would be valuable. METHODS: We conducted an anonymous email survey between April and June, 2010 of North American nurses interested in mind-body training to reduce stress. The e-survey included: demographic characteristics, health conditions and stress levels; experiences with mind-body practices; expected health benefits; training preferences; and willingness to participate in future randomized controlled trials. RESULTS: Of the 342 respondents, 96% were women and 92% were Caucasian. Most (73%) reported one or more health conditions, notably anxiety (49%); back pain (41%); GI problems such as irritable bowel syndrome (34%); or depression (33%). Their median occupational stress level was 4 (0 = none; 5 = extreme stress). Nearly all (99%) reported already using one or more mind-body practices to reduce stress: intercessory prayer (86%), breath-focused meditation (49%), healing or therapeutic touch (39%), yoga/tai chi/qi gong (34%), or mindfulness-based meditation (18%). The greatest expected benefits were for greater spiritual well-being (56%); serenity, calm, or inner peace (54%); better mood (51%); more compassion (50%); or better sleep (42%). Most (65%) wanted additional training; convenience (74% essential or very important), was more important than the program\u27s reputation (49%) or scientific evidence about effectiveness (32%) in program selection. Most (65%) were willing to participate in a randomized trial of mind-body training; among these, most were willing to collect salivary cortisol (60%), or serum biomarkers (53%) to assess the impact of training. CONCLUSIONS: Most nurses interested in mind-body training already engage in such practices. They have greater expectations about spiritual and emotional than physical benefits, but are willing to participate in studies and to collect biomarker data. Recruitment may depend more on convenience than a program\u27s scientific basis or reputation. Knowledge of participants\u27 baseline experiences, expectations, and preferences helps inform future training and research on mind-body approaches to reduce stress