Securitization and Lending Standards: Evidence from the Wholesale Loan Market

securitization;bank risk taking;syndicated loans;financial crisis

"Multicultural teaching in the early childhood classroom: Approaches, strategies, and tools, pre-school to 2nd grade"

21. sajandi koolid Ameerika Ühendriikides on enneolematute rahvastikumuutuste paigaks, sest õpilaskonna keeleline, etniline, religioosne ja rassiline mitmekesisus üha süveneb. Sellise kiiresti areneva mitmekesisusega toimetulekuks juhindutakse koolides multikultuurilisuse põhimõttest, mille kohaselt on kõigi ühiskonnarühmade liikmetel võrdsed õigused. Mariana Souto-Manningu raamat "Multicultural teaching in the early childhood classroom" (2013) annab ülevaate, kuidas rakendada seda põhimõtet lasteaiast kuni teise klassini. Iga peatükk algab metoodilise käsitluse lühitutvustusega ja kasutusvõimaluste ülevaatega, millele järgnevad soovitused selle kohta, kuidas mõnd meetodit kasutada ning millised probleemid võivad sellega kaasneda. Seejärel esitatakse näiteid meetodi rakendamise kohta koos õpetajate kommentaaridega. Metoodikapeatükkide lõpus kommenteerib autor lühidalt õpetajate toodud näiteid ja esitab viiteid lisalugemisele

A NuSTAR observation of disk reflection from close to the neutron star in 4U 1608-52

Studying the reflection of X-rays off the inner edge of the accretion disk in a neutron star low-mass X-ray binary, allows us to investigate the accretion geometry and to constrain the radius of the neutron star. We report on a NuSTAR observation of 4U 1608-52 obtained during a faint outburst in 2014 when the neutron star, which has a known spin frequency of 620 Hz, was accreting at ~1-2% of the Eddington limit. The 3-79 keV continuum emission was dominated by a Gamma~2 power law, with a ~1-2% contribution from a kTbb~0.3-0.6 keV black body component. The high-quality NuSTAR spectrum reveals the hallmarks of disk reflection; a broad iron line peaking near 7~keV and a Compton back-scattering hump around ~20-30 keV. Modeling the disk reflection spectrum points to a binary inclination of i~30-40 degrees and a small `coronal' height of h<8.5 GM/c2. Furthermore, our spectral analysis suggests that the inner disk radius extended to Rin~7-10 GM/c2, close to the innermost stable circular obit. This constrains the neutron star radius to R<21 km and the redshift from the stellar surface to z>0.12, for a mass of M=1.5 Msun and a spin parameter of a=0.29.Comment: 5 pages, 4 figures, 1 table, MNRAS Letters in pres

Expression of mTOR and downstream signalling components in the JEG-3 and BeWo human placental choriocarcinoma cell lines

This article has been made available through the Brunel Open Access Publishing Fund.Emerging data suggest that nutritional status and body weight are related to reproductive function, and nutrient imbalances during pregnancy lead to changes in the expression of fetal genes. Recent studies show that the mTOR acts as a placental growth signalling sensor and its expression is down-regulated in intrauterine growth restriction. To date, very little is known about the expression of this signalling pathway in choriocarcinoma, one of the most lethal germ cell cancers. In this study, cultures of fusigenic (BeWo) and non-fusigenic (JEG-3) human choriocarcinoma cell lines were used to investigate the expression of mTOR and its downstream signalling components. The effects of an inducer of syncytialisation (forskolin) on mTOR, eIF4E binding proteins (4EBPs) and ribosomal protein S6 kinases (S6Ks) in BeWo cells were also assessed. RT-PCR studies revealed that mTOR, 4EBP and S6Ks are expressed at mRNA level in both JEG-3 and BeWo cells. Semi-quantitative RT-PCR analysis revealed that in early stages of syncytialisation (50 µM forskolin for 48 h), the expression of mTOR and 4EBP was down-regulated when compared to unstimulated cells. In fully syncytialised cells (50 µM forskolin for 72 h) the expression of both genes was similar to basal levels. Interestingly, the phosphorylation (Ser371, Thr389) status of p70S6K remained unaltered upon forskolin treatment. These data validate BeWo cells as an experimental model to study the effects of forskolin-induced syncytialisation on mTOR signalling.This article is available through the Brunel Open Access Publishing Fun

Implementation of a Large System-Wide Hepatitis C Virus Screening and Linkage to Care Program for Baby Boomers.

BackgroundWe implemented and evaluated a large health system-wide hepatitis C virus (HCV) screening and linkage to care program for persons born between 1945 and 1965 ("baby boomers").MethodsAn electronic health record (EHR) clinical decision support (CDS) tool for HCV screening for baby boomers was introduced in August 2015 for patients seen in the outpatient University of California, Los Angeles healthcare system setting. An HCV care coordinator was introduced in January 2016 to facilitate linkage to HCV care. We compared HCV testing in the year prior (August 2014-July 2015) to the year after (August 2015-July 2016) implementation of the CDS tool. Among patients with reactive HCV antibody testing, we compared outcomes related to the care cascade including HCV ribonucleic acid (RNA) testing, HCV RNA positivity, and linkage to HCV specialty care.ResultsDuring the study period, 19606 participants were screened for HCV antibody. Hepatitis C virus antibody screening increased 145% (from 5676 patients tested to 13930 tested) after introduction of the CDS intervention. Screening increased across all demographic groups including age, sex, and race/ethnicity, with the greatest increases among those in the older age groups. The addition of an HCV care coordinator increased follow-up HCV RNA testing for HCV antibody positive patients from 83% to 95%. Ninety-four percent of HCV RNA positive patients were linked to care postimplementation.ConclusionsIntroduction of an EHR CDS tool and care coordination markedly increased the number of baby boomers screened for HCV, rates of follow-up HCV RNA testing, and linkage to specialty HCV care for patients with chronic HCV infection

Hariduse dünaamikast

Sõdadevahelisel Eestil ei ole ette näidata ülearu palju akadeemilisi naisi, kelle karjäär viis Eesti maailmakaardile. Seda enam on põhjust tähele panna "Eesti mõtteloo" sarjas ilmunud Hilda Taba doktoriväitekirja „The dynamics of education: A methodology of progressive educational thought” (1932) tõlget eesti keelde. Kõnealuses raamatus tutvustab Hilda Taba oma vaateid haridusele ja õpilaste arengule, andes ülevaate toonases haridusteaduses rakendatud meetoditest ja teooriatest ning kritiseerides nende valguses õppeainete korraldust ja õppekavade ülesehitust. Ta on kategooriliselt vastu valmistõdede edastamisele ja õppesisu mõõdutundetule laiendamisele, leides, et õppekava planeerimise eesmärk peab olema õppija kumulatiivne, järjepidev ja katkematu areng

Measurement of the electron's electric dipole moment using YbF molecules: methods and data analysis

We recently reported a new measurement of the electron's electric dipole moment using YbF molecules [Nature 473, 493 (2011)]. Here, we give a more detailed description of the methods used to make this measurement, along with a fuller analysis of the data. We show how our methods isolate the electric dipole moment from imperfections in the experiment that might mimic it. We describe the systematic errors that we discovered, and the small corrections that we made to account for these. By making a set of additional measurements with greatly exaggerated experimental imperfections, we find upper bounds on possible uncorrected systematic errors which we use to determine the systematic uncertainty in the measurement. We also calculate the size of some systematic effects that have been important in previous electric dipole moment measurements, such as the motional magnetic field effect and the geometric phase, and show them to be negligibly small in the present experiment. Our result is consistent with an electric dipole moment of zero, so we provide upper bounds to its size at various confidence levels. Finally, we review the prospects for future improvements in the precision of the experiment.Comment: 35 pages, 15 figure

Cellular aspect ratio and cell division mechanics underlie the patterning of cell progeny in diverse mammalian epithelia.

Cell division is essential to expand, shape, and replenish epithelia. In the adult small intestine, cells from a common progenitor intermix with other lineages, whereas cell progeny in many other epithelia form contiguous patches. The mechanisms that generate these distinct patterns of progeny are poorly understood. Using light sheet and confocal imaging of intestinal organoids, we show that lineages intersperse during cytokinesis, when elongated interphase cells insert between apically displaced daughters. Reducing the cellular aspect ratio to minimize the height difference between interphase and mitotic cells disrupts interspersion, producing contiguous patches. Cellular aspect ratio is similarly a key parameter for division-coupled interspersion in the early mouse embryo, suggesting that this physical mechanism for patterning progeny may pertain to many mammalian epithelia. Our results reveal that the process of cytokinesis in elongated mammalian epithelia allows lineages to intermix and that cellular aspect ratio is a critical modulator of the progeny pattern

On the origin of the C induced p4gp4g reconstruction of Ni(001)

First principles calculations of the geometric and electronic structures have been performed for two coverages (0.25 ML and 0.5 ML) of C on Ni(001) to understand the mechanism of the Ni(001) reconstruction induced by carbon adsorption. The calculated structural behavior of the system is in a good agreement with experimental observations. The calculated path and energetics of the $c(2\times 2)$ -- $p4g$ reconstruction in C$_{0.5}$/Ni(001) is provided. A dramatic reduction of the local electronic charge on adsorbed carbon is found to occur upon the reconstruction that decreases the electron-electron repulsion on C site. This effect together with the formation of covalent bonds between C and the second layer Ni atoms, leads to reconstruction of Ni(001).Comment: 11 pages, 7 fugure

Constraining the geometry of AGN outflows with reflection spectroscopy

We collate active galactic nuclei (AGN) with reported detections of both relativistic reflection and ultra-fast outflows. By comparing the inclination of the inner disc from reflection with the line-of-sight velocity of the outflow, we show that it is possible to meaningfully constrain the geometry of the absorbing material. We find a clear relation between the velocity and inclination, and demonstrate that it can potentially be explained either by simple wind geometries or by absorption from the disc surface. Due to systematic errors and a shortage of high- quality simultaneous measurements our conclusions are tentative, but this study represents a proof-of-concept that has great potential.Comment: 5 pages, 3 figures, accepted to MNRAS letter