Public credit registries as a tool for bank regulation and supervision

This paper is about the importance of the information in Public Credit Registries (PCRs) for supporting and improving banking sector regulation and supervision, particularly in the light of the new approach embodied in Basel III. Against the backdrop of the financial crisis and the existence of information data gaps, the importance of complete, accurate and timely credit information in the financial system is evident. Both in normal times and during crises, authorities need a device that allows them to look at the universe of credits in a detailed and readily way. And more importantly, they need to develop tools that exploit as much as possible the information therein contained. PCR databases contain individual credit information on borrowers and their credits which makes it possible to implement advanced techniques that measure banks'credit risk exposure. It allows optimizing the prudential regulation ensuring that provisioning and capital requirements are properly calibrated to cover expected and unexpected losses respectively. It also permits validating banks'internal rating systems, performing stress tests and informing macroprudential surveillance. In this respect, it is envisioned that the existence of a PCR will be a key factor to enhance the supervision and regulation of the financial system. Furthermore, the extent, accuracy and availability of the information collected by the authorities will determine the usefulness of the PCR as part of their toolkit to monitor the potential vulnerabilities not only on a microprudential level, but also on a macroprudential one.Banks&Banking Reform,Access to Finance,Financial Intermediation,Debt Markets,Bankruptcy and Resolution of Financial Distress

A comparison of older and younger offenders with delusional jealousy

We sought to determine whether or not there were differences in medical, criminological and legal factors between older and younger offenders with diagnoses of delusional jealousy by undertaking a retrospective case-file search of Australian legal databases. Our results demonstrate that older offenders were more likely to have comorbid dementia whereas younger offenders were more likely to have comorbid substance use and chronic psychotic conditions. A history of domestic violence frequently predated the index offence but we were unable to determine if this was due to psychosis or a pre-existing tendency for violence. Despite a common diagnosis, the older offenders were more likely to be made forensic patients rather than sentenced prisoners when compared with the younger offenders. Consequently, different factors might mediate the pathway to violence in older and younger people suffering from delusional jealousy and could be additional targets for clinical intervention

Avian Influenza Threat and its Potential Impact on Demand for Chicken and Eggs

A highly pathogenic H5N1 strain of avian influenza (AI) has been confirmed in 420 human cases and has caused 257 deaths in the world starting from 2003. Using face-to-face interviews, our data were collected by utilizing a stratified sampling scheme following the distribution of gender and age in three major metropolitan areas in Taiwan, including Taipei, Taichung, and Kaohsiung. The questionnaire was designed to retrieve information including AI knowledge, risk perceptions, and behavioral changes of two types of consumers, primary shoppers and general consumers. In total, 501 primary shoppers and 505 general consumers completed the survey in June 2007 and were recorded for analysis. The empirical results show several interesting findings, especially, that risk perception and some socioeconomic characteristics such as age are the key factor which determines changes in purchasing behavior.avian influenza, knowledge, risk perception, Tobit model, Taiwan, Consumer/Household Economics, Livestock Production/Industries, M30,

Accelerated aging in people experiencing homelessness: A rapid review of frailty prevalence and determinants

Introduction: Older people experiencing homelessness (PEH) are a rapidly growing population at risk of accelerated aging and the early onset of geriatric conditions. One construct that shows promise in predicting age-related decline is frailty. Better understanding the rates and causes of frailty in PEH may improve understanding of its antecedents, thereby facilitating more targeted health and aged care service interventions. The aim of this study was to conduct a rapid review on the prevalence and determinants of frailty in adult PEH. Methods: We conducted a rapid review of primary research papers studying PEH and frailty or frailty-related concepts. Results: Fourteen studies were included, which indicate that frailty presents earlier and at higher rates in PEH than community-dwelling cohorts. A notable difficulty for many aging PEH was early-onset cognitive impairment which was associated with a range of negative functional outcomes. Another recurrent theme was the negative impact that drug and alcohol use and dependence can have on the health of PEH. Further, psychosocial and structural determinants such as loneliness, living in an impoverished neighborhood and being female had statistically significant associations with frailty and functional decline in PEH. Discussion and implications: PEH in their 40s and 50s can be frail and experience geriatric conditions, including cognitive impairment. Factors that have important relationships to frailty and functional decline in PEH include cognitive deficits, drug and alcohol dependence and loneliness, as well as upstream determinants such as gender and ethnicity. More targeted data and research on these factors, including cohort studies to better investigate their potentially causal effects, is important for researchers and practitioners assessing and treating frailty in PEH, particularly those interested in early intervention and prevention. Prospero registration ID: CRD42022292549

Autistic Adults’ Experiences of Diagnosis Disclosure

As autism is an invisible and often stigmatised condition, disclosing the diagnosis may lead to both support and/or discrimination. This mixed-methods questionnaire study examined autistic adults’ experiences of disclosure in various contexts. The sample consisted of 393 participants aged 17–83 years from two longitudinal surveys. Almost all participants disclosed their diagnosis to someone, most commonly to friends. A significant minority of participants studying and/or working at the time had not disclosed to their education provider/employer. Content analysis of open-ended responses showed participants desired to gain understanding and support from disclosure but feared prejudice. While some received support, others encountered dismissiveness and misunderstanding. Findings highlight the need to improve autism understanding and reduce stigma within and beyond educational and employment contexts

Exceptions, instantiations, and overgeneralization:Insights into how language models process generics

Large language models (LLMs) have garnered a great deal of attention for their exceptional generative performance on commonsense and reasoning tasks. In this work, we investigate LLMs’ capabilities for generalization using a particularly challenging type of statement: generics. Generics express generalizations (e.g., birds can fly) but do so without explicit quantification. They are notable because they generalize over their instantiations (e.g., sparrows can fly) yet hold true even in the presence of exceptions (e.g., penguins do not). For humans, these generic generalization play a fundamental role in cognition, concept acquisition, and intuitive reasoning. We investigate how LLMs respond to and reason about generics. To this end, we first propose a framework grounded in pragmatics to automatically generate both exceptions and instantiations – collectively exemplars. We make use of focus – a pragmatic phenomenon that highlights meaning-bearing elements in a sentence – to capture the full range of interpretations of generics across different contexts of use. This allows us to derive precise logical definitions for exemplars and operationalize them to automatically generate exemplars from LLMs. Using our system, we generate a dataset of ∼370k exemplars across ∼17k generics and conduct a human validation of a sample of the generated data. We use our final generated dataset to investigate how LLMs’ reason about generics. Humans have a documented tendency to conflate universally quantified statements (e.g., all birds can fly) with generics. Therefore, we probe whether LLMs exhibit similar overgeneralization behavior in terms of quantification and in property inheritance. We find that LLMs do show evidence of overgeneralization, although they sometimes struggle to reason about exceptions. Furthermore, we find that LLMs may exhibit similar non-logical behavior to humans when considering property inheritance from generics

Experiences of Performing Daily Activities in Middle-Aged and Older Autistic Adults: A Qualitative Study

This is the first study to investigate instrumental activities of daily living in older autistic adults. We conducted interviews with fifteen adults (mean age = 60.1, SD = 7.4, range = 50–73) from Australia with no intellectual disability. Analysis included both deductive and inductive steps, to categorise responses using the Occupational Performance Model Australia and identify themes across participants’ experiences. Strengths and challenges were unique to the individual, as were the methods they had developed to manage tasks. Challenges occurred mostly at the interaction between aspects of the environment (sensory, cognitive, social and cultural) and personal factors such as health conditions and sensory sensitivities. Enhanced person-environment fit is needed, as is a shift in wider sociocultural attitudes to enable comfort and autonomy in later life

Design of a computerised treatment for short-term memory deficits in aphasia

The treatment of auditory-verbal short-term memory (STM) deficits in aphasia is a growing avenue of research (Martin & Reilly, 2012; Murray, 2012). STM treatment requires time precision, which is suited to computerised delivery. We have designed software, which provides STM treatment for aphasia. The treatment is based on matching listening span tasks (Howard & Franklin, 1990), aiming to improve the temporal maintenance of multi-word sequences (Salis, 2012). The person listens to pairs of word-lists that differ in word-order and decides if the pairs are the same or different. This approach does not require speech output and is suitable for persons with aphasia who have limited or no output. We describe the software and how its review from clinicians shaped its design

Pili Pono Practice: A Qualitative Study on Reimagining Native Hawaiian Food Sovereignty through MALAMA Backyard Aquaponics

Living in one of the most remote island chains in the world, Native Hawaiians developed sophisticated food cultivation systems that sustained a thriving and robust population for centuries. These systems were disrupted by colonization, which has contributed to the health disparities that Native Hawaiians face today. MALAMA, a culturally-grounded backyard aquaponics program, was developed to promote food sovereignty among Native Hawaiians. This study utilized participant interview and focus group data to identify how participating in the MALAMA program impacts the wellbeing. The findings demonstrate that MALAMA enhanced the participants’ pilina (relationship, connection) to traditional foods, land, cultural identity, family, and community, which contributed to the quick adoption of the program into Native Hawaiian communities. To address food insecurity, it is imperative to seek Indigenous-developed, community-based, and culturally-grounded programs and solutions like the MALAMA program

Knowledge, Attitudes, Beliefs and Behaviors Regarding Fruits and Vegetables among Cost-Offset Community-Supported Agriculture (CSA) Applicants, Purchasers, and a Comparison Sample

Data were collected in August, amid the summer CSA season, when shares include many of the summer FV preferred by low-income caregivers and their children [33], which may have contributed to the magnitude of the differences in children’s FV consumption that we observed. Because resources to support the CO-CSA were limited and offsets were awarded on a first-come first-served basis, and because almost all KABs were equivalent for purchaser and non-purchaser sub-groups, selection bias into the purchaser sub-group is an unlikely explanation for differences observed between CO-CSA purchasers and non-purchasers. [...]the inclusion of some CO-CSA applicants who participated in a longitudinal study regarding CO-CSA may have biased upwards estimates of KAB and self-efficacy with respect to FV consumption in the applicant sample. [...]although selection of adults into the comparison group used similar eligibility criteria, they were not comparable to CO-CSA applicants who were older, more educated, and more often lived in food-secure households. [...]sample sizes were too small to permit exploration of observed associations in a multivariate context that controlled for key sample differences such as age, educational attainment, or self-efficacy for eating and cooking FV. 5