Credits to individuals – Analysis of the data recorded by the Central Individual Credit Register

Since 1 June 2003 the file of the Central Individual Credit Register has recorded information relating to all consumer credits and mortgage loans contracted by natural persons for private purposes, as well as any payment defaults resulting from these loans. This registration aims to strengthen the means of preventing the excessive indebtedness of private individuals. On demand of the Accompanying Committee of the Central Individual Credit Register the data of this unique and quasi exhaustive database have been thoroughly analysed in 2005. In the article, some of the results of that analysis, which was published in January 2006 in Working Paper n° 78, are given. More specifically, the article investigates borrowing and payment behavior according to debtor characteristics. The analysis finds that borrowing patterns, especially as credit portfolio composition is concerned, clearly diverge according to age and residence. Furthermore, striking differences were found for the percentage of loan defaults if these variables were taken into account. In particular, the article comes to the conclusion that loan defaults aggregated at the regional level show remarkably strong correlations with economic and demographic factors.credit bureau, consumer credits, mortgage loans, loan payment defaults

Закономерности формирования спектров и структур собственных электромеханических колебаний

Предлагается решение системы дифференциальных уравнений электромеханических движений в виде гармонической функции. Рассматриваются вопросы определения закономерностей формирования спектров и структур собственных электромеханических колебаний. Исследуются оценки гармонического состава электромеханических колебаний. Обосновывается применение частот собственных колебаний в качестве показателей для оценки удаленности режима от предельного по устойчивости

Mechanisms of poststroke fatigue

Poststroke fatigue is a debilitating symptom and is poorly understood. Here we summarise molecular, behavioural and neurophysiological changes related to poststroke fatigue and put forward potential theories for mechanistic understanding of poststroke fatigue

Nail surface topography and onychochronobiology.

Peer reviewe

ERK Is Involved in the Reorganization of Somatosensory Cortical Maps in Adult Rats Submitted to Hindlimb Unloading

Sensorimotor restriction by a 14-day period of hindlimb unloading (HU) in the adult rat induces a reorganization of topographic maps and receptive fields. However, the underlying mechanisms are still unclear. Interest was turned towards a possible implication of intracellular MAPK signaling pathway since Extracellular-signal-Regulated Kinase 1/2 (ERK1/2) is known to play a significant role in the control of synaptic plasticity. In order to better understand the mechanisms underlying cortical plasticity in adult rats submitted to a sensorimotor restriction, we analyzed the time-course of ERK1/2 activation by immunoblot and of cortical reorganization by electrophysiological recordings, on rats submitted to hindlimb unloading over four weeks. Immunohistochemistry analysis provided evidence that ERK1/2 phosphorylation was increased in layer III neurons of the somatosensory cortex. This increase was transient, and parallel to the changes in hindpaw cortical map area (layer IV). By contrast, receptive fields were progressively enlarged from 7 to 28 days of hindlimb unloading. To determine whether ERK1/2 was involved in cortical remapping, we administered a specific ERK1/2 inhibitor (PD-98059) through osmotic mini-pump in rats hindlimb unloaded for 14 days. Results demonstrate that focal inhibition of ERK1/2 pathway prevents cortical reorganization, but had no effect on receptive fields. These results suggest that ERK1/2 plays a role in the induction of cortical plasticity during hindlimb unloading

DarkSUSY: Computing Supersymmetric Dark Matter Properties Numerically

The question of the nature of the dark matter in the Universe remains one of the most outstanding unsolved problems in basic science. One of the best motivated particle physics candidates is the lightest supersymmetric particle, assumed to be the lightest neutralino - a linear combination of the supersymmetric partners of the photon, the Z boson and neutral scalar Higgs particles. Here we describe DarkSUSY, a publicly-available advanced numerical package for neutralino dark matter calculations. In DarkSUSY one can compute the neutralino density in the Universe today using precision methods which include resonances, pair production thresholds and coannihilations. Masses and mixings of supersymmetric particles can be computed within DarkSUSY or with the help of external programs such as FeynHiggs, ISASUGRA and SUSPECT. Accelerator bounds can be checked to identify viable dark matter candidates. DarkSUSY also computes a large variety of astrophysical signals from neutralino dark matter, such as direct detection in low-background counting experiments and indirect detection through antiprotons, antideuterons, gamma-rays and positrons from the Galactic halo or high-energy neutrinos from the center of the Earth or of the Sun. Here we describe the physics behind the package. A detailed manual will be provided with the computer package.Comment: 35 pages, no figure