The rationality of retirement preservation decisions: A conceptual model

Low retirement savings rates, coupled with a lack of preservation of retirement funds when individuals move jobs, could have adverse repercussions on a person’s ability to retire with sufficient funds. The traditional response to low preservation levels has been to impose taxes on cash withdrawals and in some cases to mandate preservation. However, without a complete understanding of the factors that drive low levels of preservation, these policy interventions might do more harm than good. This study carries out a critical, interdisciplinary literature review to construct a conceptual model of the factors which potentially lead to low preservation levels and outlines proposed interventions. The resultant model highlights the distinct differences in the drivers of rational and irrational behaviour and therefore, the distinctly different interventions required. Little is known about the rationality or otherwise of the decision making process of individuals in the retirement preservation context, however current interventions only assist if individuals display bounded willpower. It is essential that a better understanding of the decision making process is obtained to determine whether existing solutions address the problem adequately

Plastic Water Bottles, Source of Phthalates?

Phthalates are plasticizers which are added to many materials to increase their flexibility, durability, longevity, and transparency. These compounds are commonly found in personal-care products, plastic bottles, medical tubing, and in foods (Centers for Disease Control, n.d). Due to their prevalence in our everyday lives, and their ability to act as endocrine disruptors in humans, knowing the exact source of phthalate exposure is of interest to public health. One common source is the contact between food we consume and the plastic containers they are stored in. This study was conducted to determine thepresence of phthalates in disposable water bottles after incubation at three different temperatures to determine the optimal storage temperature that would expel the least amount of phthalates. Over the course of eight weeks, water bottles were incubated at 4°C, 29°C, and 40°C. The water samples from each condition were extracted every two weeks to detect the level of dimethyl phthalate (DMP), using high performance liquid chromatography (HPLC) with UV detection. The relative concentration was then plotted over time. It was hypothesized that water stored at higher temperatures would have higher levels of DMP compared to water stored in colder temperatures (Al-Saleh, 2011). However, we found that bottled water stored at higher temperatures over the course of eight weeks contained lower levels of DMP over time compared to bottled water stored at cooler temperatures. The phthalate levels obtained were low, however these chemicals should still not be dismissed due to the health issues which could arise from exposure

The toxicity and chemical assay of sterigmatocystin, a carcinogenic mycotoxin, and its isolation from two new fungal sources

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Progress and challenges in modelling country-level HIV/AIDS epidemics: the UNAIDS Estimation and Projection Package 2007

The UNAIDS Estimation and Projection Package (EPP) was developed to aid in country-level estimation and short-term projection of HIV/AIDS epidemics. This paper describes advances reflected in the most recent update of this tool (EPP 2007), and identifies key issues that remain to be addressed in future versions. The major change to EPP 2007 is the addition of uncertainty estimation for generalised epidemics using the technique of Bayesian melding, but many additional changes have been made to improve the user interface and efficiency of the package. This paper describes the interface for uncertainty analysis, changes to the user interface for calibration procedures and other user interface changes to improve EPP’s utility in different settings. While formal uncertainty assessment remains an unresolved challenge in low-level and concentrated epidemics, the Bayesian melding approach has been applied to provide analysts in these settings with a visual depiction of the range of models that may be consistent with their data. In fitting the model to countries with longer-running epidemics in sub-Saharan Africa, a number of limitations have been identified in the current model with respect to accommodating behaviour change and accurately replicating certain observed epidemic patterns. This paper discusses these issues along with their implications for future changes to EPP and to the underlying UNAIDS Reference Group model

Humans are not fooled by size illusions in attractiveness judgements

Could signallers use size contrast illusions to dishonestly exaggerate their attractiveness to potential mates? Using composite photographs of women from three body mass index (BMI) categories designed to simulate small groups, we show that target women of medium size are judged as thinner when surrounded by larger women than when surrounded by thinner women. However, attractiveness judgements of the same target women were unaffected by this illusory change in BMI, despite small true differences in the BMIs of the target women themselves producing strong effects on attractiveness. Thus, in the context of mate choice decisions, the honesty of female body size as a signal of mate quality appears to have been maintained by the evolution of assessment strategies that are immune to size contrast illusions. Our results suggest that receiver psychology is more flexible than previously assumed, and that illusions are unlikely to drive the evolution of exploitative neighbour choice in human sexual displays. © 2014 The Authors

Corrigendum

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A Direct Demonstration of Functional Differences between Subdivisions of Human V5/MT

Two subdivisions of human V5/MT+: one located posteriorly (MT/TO-1) and the other more anteriorly (MST/TO-2) were identified in human participants using functional magnetic resonance imaging on the basis of their representations of the ipsilateral versus contralateral visual field. These subdivisions were then targeted for disruption by the application of repetitive transcranial magnetic stimulation (rTMS). The rTMS was delivered to cortical areas while participants performed direction discrimination tasks involving 3 different types of moving stimuli defined by the translational, radial, or rotational motion of dot patterns. For translational motion, performance was significantly reduced relative to baseline when rTMS was applied to both MT/TO-1 and MST/TO-2. For radial motion, there was a differential effect between MT/TO-1 and MST/TO-2, with only disruption of the latter area affecting performance. The rTMS failed to reveal a complete dissociation between MT/TO-1 and MST/TO-2 in terms of their contribution to the perception of rotational motion. On the basis of these results, MT/TO-1 and MST/TO-2 appear to be functionally distinct subdivisions of hV5/MT+. While both areas appear to be implicated in the processing of translational motion, only the anterior region (MST/TO-2) makes a causal contribution to the perception of radial motion

The pharmacokinetic behaviour of hypoxoside taken orally by patients with lung cancer in a phase I trial

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