The Best Value in the Subprime Market: State Predatory Lending Reforms

To find a model for national legislation, many lawmakers need look no further than their own backyards. People who live in states with strong laws against predatory lending are more likely to get responsible mortgages at a lower cost.Our findings show that state laws enacted to prevent predatory mortgage lending work as intended to reduce abusive loan terms without impeding credit. Strong state laws have been good for consumers while supporting a thriving subprime lending market. They provide credit-strapped families with plenty of access to responsible home loans at typical -- or even lower -- costs. At least 24 states have passed specific anti-predatory lending laws to supplement federal protections aimed at ending abusive mortgage lending practices

Transport calculation of dilepton production at ultrarelativistic energies

Dilepton spectra are calculated within the microscopic transport model UrQMD and compared to data from the CERES experiment. The invariant mass spectra in the region 300 MeV < M < 600 MeV depend strongly on the mass dependence of the $\rho$ meson decay width which is not sufficiently determined by the Vector Meson Dominance model. A consistent explanation of both the recent Pb+Au data and the proton induced data can be given without additional medium effects

Long titanium heat pipes for high-temperature space radiators

Titanium heat pipes are being developed to provide light weight, reliable heat rejection devices as an alternate radiator design for the Space Reactor Power System (SP-100). The radiator design includes 360 heat pipes, each of which is 5.2 m long and dissipates 3 kW of power at 775 K. The radiator heat pipes use potassium as the working fluid, have two screen arteries for fluid return, a roughened surface distributive wicking system, and a D shaped cross section container configuration. A prototype titanium heat pipe, 5.5 m long, was fabricated and tested in space simulating conditions. Results from startup and isothermal operation tests are presented. These results are also compared to theoretical performance predictions that were used to design the heat pipe initially

miR-200c sensitizes breast cancer cells to doxorubicin treatment by decreasing TrkB and Bmi1 expression.

Acquired resistance to classical chemotherapeutics is a major obstacle in cancer treatment. Doxorubicin is frequently used in breast cancer therapy either as single-agent or in combination with other drugs like docetaxel and cyclophosphamide. All these chemotherapies have in common that they are administered sequentially and often result in chemoresistance. Here, we mimicked this pulse therapy of breast cancer patients in an in vitro cell culture model, where the epithelial breast cancer cell line BT474 was sequentially treated with doxorubicin for several treatment cycles. In consequence, we obtained chemoresistant cells displaying a mesenchymal-like phenotype with decreased levels of miR-200c. To investigate the involvement of miR-200c in resistance formation, we inhibited and overexpressed miR-200c in different cell lines. Thereby, the cells were rendered more resistant or susceptible to doxorubicin treatment. Moreover, the receptor tyrosine kinase TrkB and the transcriptional repressor Bmi1 were identified as miR-200c targets mediating the drug resistance. Hence, we provide a mechanism of acquired resistance to doxorubicin that is caused by the loss of miR-200c. Along with this, our study demonstrates the complex network of microRNA mediated chemoresistance highlighting the challenges in cancer therapy and the importance of novel microRNA-modulating anticancer agents

MEXIT: Maximal un-coupling times for stochastic processes

Classical coupling constructions arrange for copies of the \emph{same} Markov process started at two \emph{different} initial states to become equal as soon as possible. In this paper, we consider an alternative coupling framework in which one seeks to arrange for two \emph{different} Markov (or other stochastic) processes to remain equal for as long as possible, when started in the \emph{same} state. We refer to this "un-coupling" or "maximal agreement" construction as \emph{MEXIT}, standing for "maximal exit". After highlighting the importance of un-coupling arguments in a few key statistical and probabilistic settings, we develop an explicit \MEXIT construction for stochastic processes in discrete time with countable state-space. This construction is generalized to random processes on general state-space running in continuous time, and then exemplified by discussion of \MEXIT for Brownian motions with two different constant drifts.Comment: 28 page

Chelydra serpentina

Number of Pages: 4Integrative BiologyGeological Science

Continuous consent and dignity in dentistry

Despite the heavy emphasis on consent in the ethical code of the General Dental Council (GDC), it is often overlooked that communication difficulties between patient and dentist can cause problems in maintaining genuine consent during interventions. Inconsistencies in the GDC's Standards for dental professionals and Principles of patient consent guidelines are examined in this article, and it is concluded that more emphasis must be placed on continuous consent as an ongoing process essential to maintaining patients' dignity in dentistry

Coherence freeze in an optical lattice investigated via pump-probe spectroscopy

Motivated by our observation of fast echo decay and a surprising coherence freeze, we have developed a pump-probe spectroscopy technique for vibrational states of ultracold $^{85}$Rb atoms in an optical lattice to gain information about the memory dynamics of the system. We use pump-probe spectroscopy to monitor the time-dependent changes of frequencies experienced by atoms and to characterize the probability distribution of these frequency trajectories. We show that the inferred distribution, unlike a naive microscopic model of the lattice, correctly predicts the main features of the observed echo decay.Comment: 4 pages, 5 figure

Determining parameters of the Neugebauer family of vacuum spacetimes in terms of data specified on the symmetry axis

We express the complex potential E and the metrical fields omega and gamma of all stationary axisymmetric vacuum spacetimes that result from the application of two successive quadruple-Neugebauer (or two double-Harrison) transformations to Minkowski space in terms of data specified on the symmetry axis, which are in turn easily expressed in terms of multipole moments. Moreover, we suggest how, in future papers, we shall apply our approach to do the same thing for those vacuum solutions that arise from the application of more than two successive transformations, and for those electrovac solutions that have axis data similar to that of the vacuum solutions of the Neugebauer family. (References revised following response from referee.)Comment: 18 pages (REVTEX

Advanced ablation strategies for management of post-surgical atrial arrhythmias.

Post-surgical arrhythmias include a wide range of arrhythmias occurring late after cardiac surgery and represent a complex substrate for catheter ablation either because of extended scar and remodeling or because of limited access to the area of interest. Novel image integration and ablation tools have made the catheter ablation in this population both feasible and successful. We review a structured approach to catheter ablation of post-surgical atrial arrhythmias in various patient cohorts including the most common congenital heart defects