Credit Card Interest Rates: Does Race and Gender Matter?

This paper examines the consumer credit card market in theUnited Statesto determine what factors, race and gender specifically, influence interest rates available to consumers. Data from the 2001 Survey of Consumer Finances is used to model the credit card market and answer the questions: All else being equal do women have higher credit card interest rates than men? Do blacks or Hispanics, all else being equal, have higher credit card interest rates than whites? The paper provides background on the credit card market and its growing importance, reviews key literature on the role that discrimination can play in different lending markets and looks at methods for evaluating the credit card market previously developed by other economists. A rationale is outlined for how supply factors and demand factors interact to form the equilibrium interest rate that different consumers have. A rich set of controls are used to take into account the information that lenders have about borrowers when issuing credit cards and interest rates. The model also considers the attitudes and behaviors of different borrowers when seeking an interest rate. A tobit model is used to determine the weights, influences and importance of the different controls, of race and of gender. By considering personal characteristics, financial characteristics and personal attitudes it is then seen whether race or gender are statistically significant factors that contribute to the interest rate that a consumer has

Modeling in Biology: looking backward and looking forward

Understanding modeling in biology requires understanding how biology is organized as a discipline and how this organization influences the research practices of biologists. Biology includes a wide range of sub-disciplines, such as cell biology, population biology, evolutionary biology, molecular biology, and systems biology among others. Biologists in sub-disciplines such as cell, molecular, and systems biology believe that the use of a few experimental models allows them to discover biological universals, whereas biologists in sub-disciplines such as ecology and evolutionary biology believe that the use of many different experimental and mathematical models is necessary in order to do this. Many practitioners of both approaches misunderstand best practices of modeling, especially those related to model testing. We stress the need for biologists to better engage with best practices and for philosophers of biology providing normative guidance for biologists to better engage with current developments in biology. This is especially important as biology transitions from a “data-poor” to a “data-rich” discipline. If 21st century biology is going to capitalize on the unprecedented availability of ecological, evolutionary, and molecular data, of computational resources, and of mathematical and statistical tools, biologists will need a better understanding of what modeling is and can be

The Use of Recombinant Human Bone Morphogenetic Protein 2 (rhBMP-2) to Promote Spinal Fusion in a Nonhuman Primate Anterior Interbody Fusion Model

Study Design. A study on the efficacy of recombinant human bone morphogenetic protein 2 (rhBMP-2) in a nonhuman primate anterior interbody fusion model. Objectives. To investigate the efficacy of rhBMP-2 with an absorbable collagen sponge carrier to promote spinal fusion in a nonhuman primate anterior interbody fusion model. Summary of Background Data. RhBMP-2 is an osteoinductive growth factor capable of inducing new bone formation in vivo. Although dosage studies using rhBMP-2 have been performed on species of lower phylogenetic level, they cannot be extrapolated to the primate. Dosage studies on nonhuman primates are essential before proceeding with human primate application. Methods. Six female adult Macaca mulatta (rhesus macaque) monkeys underwent an anterior L7-S1 interbody lumbar fusion. All six sites were assigned randomly to one of two fusion methods: 1) autogenous bone graft within a single freeze-dried smooth cortical dowel allograft cylinder (control) or 2) rhBMP-2-soaked absorbable collagen sponges within a single freeze-dried smooth cortical dowel allograft cylinder also soaked in rhBMP-2. The animals underwent a baseline computed tomography scan followed by 3- and 6-month postoperation scans. Anteroposterior and lateral radiographs of the lumbosacral spine were performed monthly. After the monkeys were killed, the lumbar spine fusionsites were evaluated. Histologic evaluation of all fusion sites was performed. Results. The three monkeys receiving rhBMP-2-soaked collagen sponges with a freeze-dried allograft demonstrated radiographic signs of fusion as early as 8 weeks. The control animals were slower to reveal new bone formation. The computed tomography scans revealed extensive fusion of the L7-S1 lumbar vertebrae in the group with rhBMP-2. A pseudarthrosis was present in two of the control animals. Conclusions. This study was able to document the efficacy of rhBMP-2 with an absorbable collagen sponge carrier and a cortical dowel allograft to promote anterior interbody fusion in a nonhuman primate model at a dose of 0.4 mg per implant site (1.5 mg/mL concentration). The rate of new bone formation and fusion with the use of rhBMP-2 and cortical dowel allograft appears to be far superior to that of autogenous cancellous iliac crest graft with cortical dowel allograft

Lateral variations in the Unit 7-8 boundary zone of the Rum Eastern Layered Intrusion, NW Scotland: implications for the origin and timing of Cr-spinel seam formation

The Rum Layered Suite, NW Scotland, hosts Cr-spinel seams at the bases of peridotite-troctolite macro-rhythmic units in the eastern portion of the intrusion. Here, we present detailed field observations together with microstructural and mineral chemical analyses for the Unit 7-8 Cr-spinel seam and associated cumulates in the Eastern Layered Intrusion. Detailed mapping and sampling reveal significant lateral variations in the structural characteristics and mineral compositions of the Unit 7-8 boundary zone rocks. Although the Cr-spinel seam is laterally continuous over similar to 3 km, it is absent towards the centre and the margins of the intrusion. The compositional characteristics of Cr-spinel and plagioclase vary systematically along strike, exhibiting a chemical evolution towards more differentiated compositions with increasing distance from the main feeder conduit of the Rum intrusion; the Long Loch Fault. On the basis of our combined datasets, we propose that the upper part of the troctolite, the anorthosite layer underlying the Cr-spinel seam and the seam itself formed during a multi-stage magma replenishment event. The stages can be summarised as follows: (1) peridotite schlieren and anorthosite autoliths formed following melt infiltration and cumulate assimilation in the crystal mush of the Unit 7 troctolite. (2) The anorthosite layer then formed from the Unit 7 troctolite crystal mush by thermal erosion and dissolution due to infiltrating magma. (3) Subsequent dissolution of the anorthosite layer by new replenishing magma led to peritectic in situ crystallisation of the Unit 7-8 Cr-spinel seam, with (4) continued magma input eventually producing the overlying Unit 8 peridotite. In the central part of the Rum Layered Suite, the aforementioned assimilation of the troctolitic footwall formed the anorthosite layer. However, the absence of anorthosite in close proximity to the Long Loch Fault can be explained by enhanced thermochemical erosion close to the feeder zone, and its absence close to the margins of the intrusion, at maximum distance from the Long Loch Fault, may be due to cooling of the magma and loss of erosion potential. In line with other recent studies on PGE-bearing chromitites in layered intrusions, we highlight the importance of multi-stage intrusive magma replenishment to the formation of spatially coupled anorthosite and Cr-spinel seams, as well as the lateral mineral chemical variations observed in the Unit 7-8 boundary zone cumulates

Disordered eating and eating disorders among women seeking fertility treatment: A systematic review

The purpose of this systematic review is to evaluate the prevalence of disordered eating and eating disorders among women seeking fertility treatment. Observational studies were searched in Ovid MEDLINE, Web of Science, Embase, and PsycInfo. Studies published prior to September 2020 when the search was conducted were considered. Inclusion criteria included (1) original and empirical research, (2) published in a peer-reviewed journal, and (3) reported on disordered eating among women seeking fertility treatment in the sample or reported on prevalence of eating disorders among women seeking fertility treatment in the sample. Independent screening of abstracts was conducted by two authors (LH and AH). Ten studies met the inclusion criteria. Sample size, study location, measures, and results for each study in this review were reported. Among women pursuing fertility treatment, rates of current eating disorders ranged from 0.5 to 16.7%, while past eating disorder prevalence rates ranged from 1.4 to 27.5%. Current anorexia nervosa or bulimia nervosa was reported by up to 2% and 10.3% of women, respectively, while history of anorexia nervosa or bulimia nervosa was reported by up to 8.5% and 3.3% of women, respectively. Binge eating disorder or other eating disorders were reported by up to 18.5% and 9.1% of women, respectively. Disordered eating pathology was endorsed by 1.6 to 48% of women seeking fertility treatment. Endorsement of pathological eating attitudes was generally higher among women seeking fertility treatment with current or past eating disorders as compared to community samples, with the exception of dietary restraint. Rates of current and past eating disorders are higher among women seeking fertility treatment than in the general population. Providers treating women with infertility should be cognizant of these prevalence rates and consider screening for eating pathology in their patients as this may contribute to their likelihood of successful conception and/or subsequent pregnancy outcomes

KSFNM: Faculty Chamber Players, Soldier\u27s and Devil\u27s Tales

This special performance of the 2017 Kennesaw State Festival of New Music (KSFNM) features KSU faculty performing Igor Stravinsky\u27s L\u27Histoire du soldat (The Soldier\u27s Tale) followed by The Devil\u27s Tale, James M. Stephenson\u27s sequel to Stravinsky\u27s esteemed work.https://digitalcommons.kennesaw.edu/musicprograms/1878/thumbnail.jp

Brass Ensembles Showcase

Kennesaw State University School of Music presents Brass Ensembles Showcase featuring performances by various brass ensembles showcasing the KSU brass faculty and students.https://digitalcommons.kennesaw.edu/musicprograms/1777/thumbnail.jp