Religion, competition and liability: Dutch cooperative banking in crisis, 1919-1927

What accounts for the differences in the performance of cooperatively-owned banks in the Dutch financial crisis of the early 1920s? This thesis measures and explains the (relative) performance of boerenleenbanken (rural Raiffeisen banks) and middenstandsbanken (urban Schulze-Delitzsch banks) during the Netherlands' interwar banking crisis by applying various economic methods to new historical evidence. The thesis asks: (1) what were the effects on risk-taking behaviour of differences in the religious attitudes of bankers and their customers? (2) what was the relationship between interbank competition and financial stability? and (3) what was the consequence of the liability choices made by shareholders for their banks' continued survival? Using a combination of economic theory, quantitative financial analysis and qualitative business histories, this thesis finds that: (1) banks serving small religious groups were less willing, despite being more able, to take on risks than those serving majority denominations; (2) those banks that were subject to the lowest competitive pressures enjoyed the most liquid investment portfolios; and (3) the choice of liability limitation available to bankers in uenced their balance sheet risks, for the worse. Together, these findings lead to the conclusion that social, organisational and institutional factors each explain part of the heterogeneity in the fate of the Netherlands' cooperative banks during a period which includes unprecedented debt- deflationary financial turmoil: hence, (1) strict membership criteria and the use of personal guarantors in loan agreements acted as strong devices to allow banks for minorities, regardless of their denomination, to screen and monitor their customers; (2) the switching costs associated with religious affiliation resulted in a competition- stability tradeoff during periods of extreme distress; and (3) the stakeholders of the banks which failed were probably less risk-averse than those of banks which did not, the consequence of endogenous group formation by risk type

A basic framework and overview of a network-based RAID-like distributed back-up system : NetRAID

NetRAID is a framework for a simple, open, and free system to allow end-users to have the capacity to create a geographically distributed, secure, redundant system that will provide end-users with the capacity to back up important data. NetRAID is designed to be lightweight, cross-platform, low cost, extendable, and simple. As more important data becomes digitalized it is critical for even average home computer users to be able to ensure that their data is secure. Even for people with DVD burners that back up their data weekly, if the back ups and their sources are kept in the same physical location the value of the back-up is greatly diminished. NetRAID can offer a more comprehensive end-user back-up. NetRAID version 1 has some limitations with the types and speeds of networks it can run on; however, it provides a building block for the future extension to almost any sort of TCP/IP network. NetRAID also has the potential capability to use a wide variety of encryption and data verification schemes to make sure that data is secure in transmission and storage. The NetRAID virtual file system, sockets, and program core are written in Visual Basic.NET 2003, and should be portable to a wide variety of operating systems and languages in the future

HIV/AIDS, chronic diseases and globalisation

HIV/AIDS has always been one of the most thoroughly global of diseases. In the era of widely available anti-retroviral therapy (ART), it is also commonly recognised as a chronic disease that can be successfully managed on a long-term basis. This article examines the chronic character of the HIV/AIDS pandemic and highlights some of the changes we might expect to see at the global level as HIV is increasingly normalised as "just another chronic disease". The article also addresses the use of this language of chronicity to interpret the HIV/AIDS pandemic and calls into question some of the consequences of an uncritical acceptance of concepts of chronicity

Changes in Gene Expression From Long-Term Warming Revealed Using Metatranscriptome Mapping to FAC-Sorted Bacteria

Soil microbiomes play pivotal roles to the health of the environment by maintaining metabolic cycles. One question is how will climate change affect soil bacteria over time and what could the repercussions be. To answer these questions, the Harvard Forest Long-Term Warming Experiment was established to mimic predicted climate change by warming plots of land 5℃ above ambient conditions. In 2017, 14 soil core samples were collected from Barre Woods warming experiment to mark 15 years since the establishment of the soil warming in that location. These samples underwent traditional metatranscriptomics to generate an mRNA library as well as a process coined cell-sorted or mini-metagenomics involving the sorting of single bacterial cells from the environment using FACS. This was followed by pooling into groups of 100 cells for more cost efficient genome recovery. 200 high-quality genomes were compiled, 12 of which were taxonomically identified as Acidobacteria. Acidobacteria are an extremely abundant and diverse phylum of bacteria that were found to be very well represented in the soil samples. Due to their abundance in many different soil environments as well as their known importance in many metabolic cycles, they were chosen as the candidate phylum to further investigate. Using a reference-based read mapping approach with the 12 Acidobacteria genomes and metatranscriptomic data, we identified over 3,000 differentially expressed genes within these organisms as a result of soil warming. Due to the diversity within the phylum itself, many of the genomes indicated different patterns of expression making it difficult to identify phylum-wide differential expression trends. However, the sigma70 factor, an important housekeeping gene used as a transcription regulator, was found to be up-regulated in a majority of the genomes. Over 30 different glycoside hydrolase encoding genes and glycosyltransferases were also found to be differentially expressed across the Acidobacteria reference genomes as well as 23 chemotaxis-related genes. Despite identifying four different groups of genes that showed statistically significant differences in expression levels, there may be more changes occurring in these soil bacteria and the soil microbiome as a whole due to climate change than previously measured by read-based analyses of metatranscriptomic data

Barriers and facilitators of tuberculosis infection prevention and control in low- and middle-income countries from the perspective of healthcare workers: A systematic review.

Tuberculosis remains a leading cause of death worldwide. Transmission is the dominant mechanism sustaining the multidrug-resistant tuberculosis epidemic. Tuberculosis infection prevention and control (TBIPC) guidelines for healthcare facilities are poorly implemented. This systematic review aimed to explore the barriers and facilitators of implementation of TBIPC guidelines in low- and middle-income countries from the perspective of healthcare workers. Two separate reviewers carried out an electronic database search to select qualitative and quantitative studies exploring healthcare workers attitudes towards TBIPC. Eligible studies underwent thematic synthesis. Derived themes were further organised into a macro-, meso- and micro-level framework, which allows us to analyse barriers at different levels of the healthcare system. We found that most studies focused on assessing implementation within facilities in accordance with the hierarchy of TBIPC measures-administrative, environmental and respiratory protection controls. TBIPC implementation was over-estimated by self-report compared with what researchers observed within facilities, indicating a knowledge-action gap. Macro-level barriers included the lack of coordination of integrated HIV/tuberculosis care, in the context of an expanding antiretroviral therapy programme and hence increasing opportunity for nosocomial acquisition of tuberculosis; a lack of funding; and ineffective occupational health policies, such as poor systems for screening for tuberculosis amongst healthcare workers. Meso-level barriers included little staff training to implement programmes, and managers not understanding policy sufficiently to translate it into an IPC programme. Most studies reported micro-level barriers including the impact of stigma, work culture, lack of perception of risk, poor supply and use of respirators and difficulty sensitising patients to the need for IPC. Existing literature on healthcare workers' attitudes to TBIPC focusses on collecting data about poor implementation at facility level. In order to bridge the knowledge-action gap, we need to understand how best to implement policy, taking account of the context

Conceptions of agency and constraint for HIV-positive patients and healthcare workers to support long-term engagement with antiretroviral therapy care in Khayelitsha, South Africa.

In the context of the optimism around antiretroviral therapy (ART) as prevention of HIV/AIDS, addressing the barriers to long-term ART adherence is critical. This is particularly important given the tendency to individualise or use a blame discourse when exploring why HIV-infected patients "fail" to adequately adhere to ART, and not sufficiently exploring contextual reasons for poor adherence that may require varying solutions. This study took place at three clinics and one hospital in Khayelitsha, South Africa, to document the contextual factors that challenged ART adherence in this community. Interviews were conducted with 20 HIV-infected patients who had defaulted on their ART and were subsequently admitted to Khayelitsha hospital for clinical complications, and 9 ART service providers including doctors, nurses and HIV counsellors. Interviews assessed the reasons patients defaulted on ART and explored ways this could be prevented. Data from both groups were analysed collectively using thematic analysis. While the interviews revealed a landscape of environmental risks threatening adherence to ART, all patients managed to overcome the identified barriers at some point in their treatment phase, indicating the fluidity of patients' needs and decision making. Patients reported that distrustful relationships with service providers could inhibit their understanding of ART and/or interrupt their follow-up at clinics. Patients described their rationale and agency underlying non-adherence, such as testing their bodies' physical limits without ART medication. The study speaks to the need to appreciate contextual social and structural barriers related to ART adherence, and how these are negotiated differently by specific sub-groups, to support an appropriate response. It is imperative to not solely emphasise loss to follow-up but also assess patients' subjective trajectory of their ART journey, decision making and agency with adhering to ART, their relations with healthcare workers, and how these dynamics are intertwined with broader constraints in health systems