Gauging the Path of Private Canadian Pensions: 2010 Update on the State of Defined Benefit and Defined Contribution Pension Plans

The issue of under-funded defined benefit (DB) pension plans has become one of the most perplexing financial issues facing business executives, legislators and Canadian pensioners who are or will in the future be reliant on pension income as an important component of their overall retirement incomes. In 2004, CGA-Canada issued a comprehensive paper on defined benefit pension plans titled “Addressing the Pensions Dilemma in Canada”. The goal of that release was to advance understanding of DB pension plans and to impart a reasonable estimate of the standing of DB pension plans at December 31, 2003. In 2009, this analysis was further advanced by examining the funding status of private DB pension plans at December 31, 2008. The results of the analysis show that funding deficits have intensified with funding ratios eroding to unsustainable levels. The vast majority (92%) of private DB pension plans were in a deficit position as at December 31, 2008. The average funding ratio has decreased from 112% to 77% on a ‘without indexation’ basis and from 71% to 57% on a ‘with indexation’ basis. The aggregate funding shortfall is expected to exceed $350 billion.defined benefit pension plan, defined contribution pension plan, funding postion of pension plans, household savings, retirement savings, retirement income, household finance, pension accounting

2021: Sangita Gosalia

During Women’s History Month, the Women’s Center coordinates, as an experiential learning opportunity for students, an annual exhibit highlighting the contributions women have made at the University of Dayton. The 2021 theme, Leading with Character and Resilience, captures what it means to work in the midst of a pandemic, social and political unrest and economic uncertainty. Each honoree displayed resilience, drive, character and tenacity and created inspiring ways to move forward.https://ecommons.udayton.edu/women_of_ud/1052/thumbnail.jp

High Throughput Screening Using Enzyme Assay Microarrays

We report a new slide based microarray platform for assaying multiple enzyme activities using fluorogenic substrates. The method enables us to achieve the microfluidic requirements for rapid reaction assembly and compartmentalization. We can thus determine enzymatic activities in individually controlled reaction environments containing cofactors, inhibitors and activators. Fluorogenic substrates in glycerol were arrayed onto glass slides with reaction volumes \u3c 5 nL and feature sizes of \u3c 150 μm. Our method allowed rapid multiple sample deliveries onto the slide (\u3c 3 nL/spot) with no cross contamination between array positions. It enabled us to detect the activation of the fibrinolytic and coagulation proteases namely, thrombin, plasmin, factor Xa, tPa and kallikrein in human plasma. Enzyme-substrate-inhibitor assays using ten caspases were also performed. With over 400 spots/cm2, combinatorial substrate libraries with different proteases can now be rapidly profiled. An assay to detect the dose response of a thrombin inhibitor benzamidine was performed. The inhibitor was arrayed in replicates onto selected positions on the chip. After sequential subnanoliter delivery of the reaction components, the result from the array was analyzed. The expected dose response from benzamidine was seen. A CV of 5.26% was achieved for 232 positions on the array not spiked with the inhibitor. Thus, with potentially several thousand compounds per slide, using rapid sub-nanoliter delivery of components and standard equipment, the true potential of the method is in the field of high throughput screening

A study of prevalence of sexually transmitted infections & response to syndromic treatment among married women of reproductive age group in rural area of Parol Primary Health Centre under Thane district, Mahrashtra , India

Objectives To study prevalence of Sexually Transmitted Infections (STIs - symptomatic, clinical & laboratorial) & response to syndromic treatment in among STI groups. Design Community based interventional study Setting Rual area-Parol Primary Health Centre(PHC), District Thane, Maharashtra state. Poulation Women of reproductive age groups 15 -45 years Methods Community based interventional study, conducted among representative group of 415 women of reproductive age groups, by simple random sampling technique in Parol PHC, District Thane, Maharashtra state. All symptomatic & asymptomatic women were counseled for examination & investigations & given syndromic treatment. Follow-up done to assess impact of syndromic treatment. Main Outcome Prevalence of STI symptomatically was 39%, clinically 32.3% & Laboratorial 26%. After syndromic treatment, prevalence of STIs has statistically significantly reduced. Statistical Analysis Z-test Results Of the surveyed women (415), prevalence of STI symptomatically was 39%, clinically 32.3% & Laboratorial 26%. The most common presenting symptom was vaginal discharge (36.4%) followed by Burning Micturition (24.7%), Vulval itching (17.3%), Lower abdominal pain (13%) & Genital ulcer (8.6%). Clinically, 55.2% women were diagnosed as cervicitis & 44.8% as PID. Laboratorial diagnosed STIs were - vaginal candidiasis 46.3%, Bacterial vaginosis 25%, Trichmoniasis 19.4 %, Genital Herpes 7.4% & HIV 1.9%. After syndromic treatment, prevalence of STIs has statistically significantly reduced. Conclusion: Syndromic Rx & health education can definitely reduce STIs

A study of prevalence of Sexually Transmitted Infections & response to syndromic treatment among married women of reproductive age group in rural area of Parol Primary Health Centre under Thane district

Objectives To study prevalence of Sexually Transmitted Infections (STIs - symptomatic, clinical & laboratorial)& response to syndromic treatment in among STI groups. Design Community based interventional study Setting Rual area-Parol Primary Health Centre(PHC), District Thane, Maharashtra state. Poulation Women of reproductive age groups 15 -45 years Methods Present Community based interventional study was conducted among representative group of 415 women of reproductive age groups who were selected by simple random sampling technique in Parol PHC, District Thane, Maharashtra state. All symptomatic & asymptomatic women were counseled for examination & investigations & given syndromic treatment. Follow-up done to assess impact of syndromic treatment. Main Outcome Prevalence of STI symptomatically was 39%, clinically 32.3% & Laboratorial 26%. After syndromic treatment, prevalence of STIs was significantly reduced. Statistical Analysis Z test Results Of the surveyed women (415), prevalence of STI symptomatically was 39%, clinically 32.3% & Laboratorial 26%. The most common presenting symptom was vaginal discharge (36.4%) followed by Burning Micturition (24.7%), Vulval itching (17.3%), Lower abdominal pain (13%) & Genital ulcer (8.6%). Clinically, 55.2% women were diagnosed as cervicitis & 44.8% as PID. Laboratorial diagnosed STIs were - vaginal candidiasis 46.3%, Bacterial vaginosis 25%, Trichmoniasis 19.4 %, Genital Herpes 7.4% & HIV 1.9%. After syndromic treatment, prevalence of STIs has statistically significantly reduced. Conclusion Syndromic Rx & health education can definitely reduce STIs