Fees, Framing, and Financial Literacy in the Choice of Pension Manager

A growing literature shows how consumers make mistakes in a variety of different settings pertinent to financial decision-making. Using data from a randomized experiment in Chile, we show how different ways of presenting pension management fees shape consumer choices, and how responses to pension fee information varies by level of financial literacy. Our results indicate that, in choosing pension funds, those with lower levels of education, income, and financial literacy rely more on employers, friends, and coworkers, than on fundamentals. We also find that such individuals are more responsive to information framing when interpreting the relative benefits of different investment choices

Syngas Production from Glycerol-dry(CO2) Reforming Over La-promoted Ni/Al2O3 Catalyst

A 3 wt% La-promoted Ni/Al2O3 catalyst was prepared via wet co-impregnation technique and physicochemically-characterized. Lanthanum was responsible for better metal dispersion; hence higher BET specific surface area (96.0 m2 g−1) as compared to the unpromoted Ni/Al2O3 catalyst (85.0 m2 g−1). In addition, the La-promoted catalyst possessed finer crystallite size (9.1 nm) whilst the unpromoted catalyst measured 12.8 nm. Subsequently, glycerol dry reforming was performed at atmospheric pressure and temperatures ranging from 923 to 1123 K employing CO2-to-glycerol ratio from zero to five. Significantly, the reaction results have yielded syngas as main gaseous products with H2:CO ratios always below than 2.0 with concomitant maximum 96% glycerol conversion obtained at the CO2-to-glycerol ratio of 1.67. In addition, the glycerol consumption rate can be adequately captured using power law modelling with the order of reactions equal 0.72 and 0.14 with respect to glycerol and CO2 whilst the activation energy was 35.0 kJ mol−1. A 72 h longevity run moreover revealed that the catalyst gave a stable catalytic performance

6D Dyonic String With Active Hyperscalars

We derive the necessary and sufficient conditions for the existence of a Killing spinor in N=(1,0) gauge supergravity in six dimensions coupled to a single tensor multiplet, vector multiplets and hypermultiplets. These are shown to imply most of the field equations and the remaining ones are determined. In this framework, we find a novel 1/8 supersymmetric dyonic string solution with nonvanishing hypermultiplet scalars. The activated scalars parametrize a 4 dimensional submanifold of a quaternionic hyperbolic ball. We employ an identity map between this submanifold and the internal space transverse to the string worldsheet. The internal space forms a 4 dimensional analog of the Gell-Mann-Zwiebach tear-drop which is noncompact with finite volume. While the electric charge carried by the dyonic string is arbitrary, the magnetic charge is fixed in Planckian units, and hence necessarily non-vanishing. The source term needed to balance a delta function type singularity at the origin is determined. The solution is also shown to have 1/4 supersymmetric AdS_3 x S^3 near horizon limit where the radii are proportional to the electric charge.Comment: 28 pages, latex, minor corrections mad

Design and Simulation of a Model Predictive Controller (MPC) for a Seismic Uniaxial Shake Table

Shake table is one of the apparatus that aids in researches to generate techniques, structural developments, and strategies to prevent, prepare, and minimize an earthquake’s devastating effects. One important factor that should be considered in a shake table is the system dynamics due to control-structural interactions, which could either be linear or non-linear. To accurately model both has always been the challenge but becomes more plausible with the availability of faster hardware and computers and the continuous decrease in latency. Model Predictive Controller (MPC) is a type of controller extensively used in the industry that can be used on linear and non-linear systems. This study presents the design and simulation of an MPC for a uniaxial shake table intending to analyze the system’s behavior and accuracy. MATLAB Simulink was utilized to handle the simulation analysis of the controller. Different MPC parameters such as sample time, prediction horizon, control horizon, and closed-loop performance were manipulated and adjusted to observe their effects on the output of the system. A signal that mimics the actual earthquake data was inputted into the controller, and the system's behavior and outputs were measured and presented through graphical representations. To determine the accuracy of the system’s output, its relationship with the reference signal was compared. From the simulation produced, the system demonstrated high accuracy levels and could be adjusted depending on the set performance aggressiveness of the system

Categorizing Host-Dependent RNA Viruses by Principal Component Analysis of Their Codon Usage Preferences

ABSTRACT Viruses have to exploit host transcription and translation mechanisms to replicate in a hostile host cellular environment, and therefore, it is likely that the infected host may impose pressure on viral evolution. In this study, we investigated differences in codon usage preferences among the highly mutable single strain RNA viruses which infect vertebrate or invertebrate hosts, respectively. We incorporate principal component analysis (PCA) and k-mean methods to clustering viruses infected with different type of hosts. The relative synonymous codon usage (RSCU) indices of all genes in 32 RNA viruses were calculated, and the correlation of the RSCU indices among different viruses was analyzed by the PCA. Our results show a positive correlation in codon usage preferences among viruses that target the same host category. Results of k-means clustering analysis further confirmed the statistical significance of this study, demonstrating that viruses infecting vertebrate hosts have different codon usage preferences to those of invertebrate viruses. Based on the analysis of the effective number of codons (ENC) in relation to the GC-content at the synonymous third codon position (GC3s), we further identified that mutational pressure was the dominant evolution driving force in making the different codon usage preferences. This study suggests a new and effective way to characterize host-dependent RNA viruses based on the codon usage pattern

El Devónico Inferior del Dominio Obejo-Valsequillo-Puebla de la Reina (Zona de Ossa-Morena): conodontos, braquiópodos, corales, ostrácodos y peces

La escasez de estudios paleontológicos adecuados, la complejidad tectónica y la discontinuidad de los afloramientos dificulta el conocimiento de la secuencia lito y bioestratigráfica del Dominio Obejo-Valsequillo-Puebla de la Reina. Este hecho, nos ha animado a comenzar un estudio multidisciplinar (fundamentalmente conodontos, braquiópodos, corales, estromatoporoideos, ostrácodos, restos de peces y biofacies) del Devónico Inferior de la parte oriental de este Dominio. En este trabajo se presentan datos paleontológicos de cuatro secciones que permiten el establecimiento de un marco temporal preliminar que servirá para futuros estudios de detalle. Estas secciones son, de oeste a este, Guadámez 2 (GUA 2), Zújar (ZUJ), Peñón Cortado (PCR) y Pozo del Rincón (PZR)

Low penetrance of retinoblastoma for p.V654L mutation of the RB1 gene

<p>Abstract</p> <p>Background</p> <p>Retinoblastoma is caused by compound heterozygosity or homozygosity of retinoblastoma gene (<it>RB1</it>) mutations. In germline retinoblastoma, mutations in the <it>RB1 </it>gene predispose individuals to increased cancer risks during development. These mutations segregate as autosomal dominant traits with high penetrance (90%).</p> <p>Methods</p> <p>We screened 30 family members from one family using high resolution melting assay and DNA direct sequencing for mutations in the <it>RB1 </it>gene. We evaluate the phenotype and penetrance of germline mutations of the <it>RB1 </it>gene in a large Taiwanese family.</p> <p>Results</p> <p>The molecular analysis and clinical details of this family showed phenotypic variability associated with the p.V654L mutation in exon 19 of the <it>RB1 </it>gene in 11 family members. The phenotype varied from asymptomatic to presence of a unilateral tumor. Only four individuals (2 males and 2 females) developed unilateral retinoblastoma, which resulted in calculated low penetrance of 36% (4/11). The four individuals with retinoblastoma were diagnosed before the age of three years. None of their relatives exhibited variable severity or bilateral retinoblastoma.</p> <p>Conclusions</p> <p>The diseased-eye ratio for this family was 0.36, which is lower than current estimates. This suggests that the <it>RB1 </it>p.V654L mutation is a typical mutation associated with low penetrance.</p

Identification of novel epithelial ovarian cancer loci in women of African ancestry.

Women of African ancestry have lower incidence of epithelial ovarian cancer (EOC) yet worse survival compared to women of European ancestry. We conducted a genome-wide association study in African ancestry women with 755 EOC cases, including 537 high-grade serous ovarian carcinomas (HGSOC) and 1,235 controls. We identified four novel loci with suggestive evidence of association with EOC (p < 1 × 10-6 ), including rs4525119 (intronic to AKR1C3), rs7643459 (intronic to LOC101927394), rs4286604 (12 kb 3' of UGT2A2) and rs142091544 (5 kb 5' of WWC1). For HGSOC, we identified six loci with suggestive evidence of association including rs37792 (132 kb 5' of follistatin [FST]), rs57403204 (81 kb 3' of MAGEC1), rs79079890 (LOC105376360 intronic), rs66459581 (5 kb 5' of PRPSAP1), rs116046250 (GABRG3 intronic) and rs192876988 (32 kb 3' of GK2). Among the identified variants, two are near genes known to regulate hormones and diseases of the ovary (AKR1C3 and FST), and two are linked to cancer (AKR1C3 and MAGEC1). In follow-up studies of the 10 identified variants, the GK2 region SNP, rs192876988, showed an inverse association with EOC in European ancestry women (p = 0.002), increased risk of ER positive breast cancer in African ancestry women (p = 0.027) and decreased expression of GK2 in HGSOC tissue from African ancestry women (p = 0.004). A European ancestry-derived polygenic risk score showed positive associations with EOC and HGSOC in women of African ancestry suggesting shared genetic architecture. Our investigation presents evidence of variants for EOC shared among European and African ancestry women and identifies novel EOC risk loci in women of African ancestry