Mutual funds and annuities at Tenth District banks

Mutual funds are today's second-largest financial industry in the United States, second only to commercial banks. Since 1990, mutual fund assets have more than doubled to $2.3 trillion. Such rapid growth, coupled with the desire of banks to expand into new financial services, has prompted up to one-fourth of all U.S. commercial banks to begin selling mutual funds and annuities. Some banks have even begun to manage and provide investment advice to their own mutual fund companies. This article shows that many commercial banks in the Tenth District states are following the national trend, with large banks leading the way.Mutual funds ; Federal Reserve District, 10th

Speech Separation Using Partially Asynchronous Microphone Arrays Without Resampling

We consider the problem of separating speech sources captured by multiple spatially separated devices, each of which has multiple microphones and samples its signals at a slightly different rate. Most asynchronous array processing methods rely on sample rate offset estimation and resampling, but these offsets can be difficult to estimate if the sources or microphones are moving. We propose a source separation method that does not require offset estimation or signal resampling. Instead, we divide the distributed array into several synchronous subarrays. All arrays are used jointly to estimate the time-varying signal statistics, and those statistics are used to design separate time-varying spatial filters in each array. We demonstrate the method for speech mixtures recorded on both stationary and moving microphone arrays.Comment: To appear at the International Workshop on Acoustic Signal Enhancement (IWAENC 2018

Acoustic Impulse Responses for Wearable Audio Devices

We present an open-access dataset of over 8000 acoustic impulse from 160 microphones spread across the body and affixed to wearable accessories. The data can be used to evaluate audio capture and array processing systems using wearable devices such as hearing aids, headphones, eyeglasses, jewelry, and clothing. We analyze the acoustic transfer functions of different parts of the body, measure the effects of clothing worn over microphones, compare measurements from a live human subject to those from a mannequin, and simulate the noise-reduction performance of several beamformers. The results suggest that arrays of microphones spread across the body are more effective than those confined to a single device.Comment: To appear at ICASSP 201

Continued strength at Tenth District banks

Commercial banks in Tenth District states continued to perform well in the first half of 1994. Profitability leveled off at a high level, asset quality improved, and loan growth accelerated. Based on these performance measures, banks in district states once again outperformed banks in the rest of the nation.Bank profits ; Federal Reserve District, 10th

Impact of surface-polish on the angular and wavelength dependence of fiber focal ratio degradation

We present measurements of how multimode fiber focal-ratio degradation (FRD) and throughput vary with levels of fiber surface polish from 60 to 0.5 micron grit. Measurements used full-beam and laser injection methods at wavelengths between 0.4 and 0.8 microns on 17 meter lengths of Polymicro FBP 300 and 400 micron core fiber. Full-beam injection probed input focal-ratios between f/3 and f/13.5, while laser injection allowed us to isolate FRD at discrete injection angles up to 17 degrees (f/1.6 marginal ray). We find (1) FRD effects decrease as grit size decreases, with the largest gains in beam quality occurring at grit sizes above 5 microns; (2) total throughput increases as grit size decreases, reaching 90% at 790 nm with the finest polishing levels; (3) total throughput is higher at redder wavelengths for coarser polishing grit, indicating surface-scattering as the primary source of loss. We also quantify the angular dependence of FRD as a function of polishing level. Our results indicate that a commonly adopted micro-bending model for FRD is a poor descriptor of the observed phenomenon.Comment: 10 pages, 7 figures, presented at SPIE Astronomical Telescopes and Instrumentation, July 201

Angiolymphoid hyperplasia with eosinophilia treated with Mohs micrographic surgery

A 60-year-old healthy man presented with several enlarging, tender, spontaneously bleeding, and episodically pruritic nodules on his ear. Five agminated pink-red papulonodules of the superior postauricular sulcus were noted on examination. Pathological examination revealed a lobular dermal vascular proliferation with plump endothelial cells protruding into the lumen in a hobnail pattern, along with a dense perivascular inflammatory infiltrate composed of plasma cells, lymphocytes, and numerous eosinophils. The diagnosis of angiolymphoid hyperplasia with eosinophilia was confirmed. After discussing treatment modalities, the patient opted for Mohs micrographic surgery (MMS). Three stages of MMS were able to remove all large vessel involvement and clear the peripheral margins, but the tumor had a complex branching pattern of growth in the deep bed of the wound with numerous tiny foci remaining. Owing to risk of disfigurement, no further excision was undertaken. The area was reconstructed with a temporalis fascia flap and a full-thickness skin graft. Despite remaining microscopic disease, the patient remained without recurrence or symptoms at one year of follow up

Approaches to decision-making among late-stage melanoma patients: a multifactorial investigation.

PurposeThe treatment decisions of melanoma patients are poorly understood. Most research on cancer patient decision-making focuses on limited components of specific treatment decisions. This study aimed to holistically characterize late-stage melanoma patients' approaches to treatment decision-making in order to advance understanding of patient influences and supports.Methods(1) Exploratory analysis of longitudinal qualitative data to identify themes that characterize patient decision-making. (2) Pattern analysis of decision-making themes using an innovative method for visualizing qualitative data: a hierarchically-clustered heatmap. Participants were 13 advanced melanoma patients at a large academic medical center.ResultsExploratory analysis revealed eight themes. Heatmap analysis indicated two broad types of patient decision-makers. "Reliant outsiders" relied on providers for medical information, demonstrated low involvement in decision-making, showed a low or later-in-care interest in clinical trials, and expressed altruistic motives. "Active insiders" accessed substantial medical information and expertise in their networks, consulted with other doctors, showed early and substantial interest in trials, demonstrated high involvement in decision-making, and employed multiple decision-making strategies.ConclusionWe identified and characterized two distinct approaches to decision-making among patients with late-stage melanoma. These differences spanned a wide range of factors (e.g., behaviors, resources, motivations). Enhanced understanding of patients as decision-makers and the factors that shape their decision-making may help providers to better support patient understanding, improve patient-provider communication, and support shared decision-making