The Emergence of the Robo-advisor

This volume examines how technology is transforming financial applications, and how FinTech promises a similar revolution in the retirement planning processes. Robo-advisors and mobile savings apps are a few harbingers of innovations to come. Nevertheless, these changes will bring with them new ethical and regulatory considerations, design challenges related to promoting adoption by an older population less trusting of technology, and concerns over data security and privacy. Our contributors take stock of the disruptive impact of financial technology on retirement planning, saving, investment, and decumulation; and it also highlights issues that regulators, plan sponsors, academics, and policymakers must consider as retirement practices evolve at a rapid pace

Cytogenetics of Delphinium (Ranunculaceae) Species Native to Oregon

Evidence of hybridization, known to occur in the genus Delphinium (Ranunculaceae ), has recently been discovered among certain Delphinium species native to Oregon. This issue was investigated by cytogenetic analysis of four native species of Oregon, D. trolliifolium, D. menziesii, D. pavonaceum and D.leucophaeum, and an unidentified purple delphinium, which is possibly a hybrid. Although many species in this genus are karyotypically similar, any variations found among the karyotypes of these Oregon species might be used to identify parental chromosomes in the purple delphinium (proposed hybrid). Meiotic analysis was used to detect structurally heterozygous homologues that are not observable in somatic cells. Reproductive success, an extension of meiosis, was also investigated. In lieu of the endangered status of two of these Oregon species, attempts were made to develop a system for obtaining dividing cells for cytogenetic study that has negligible impact on plant populations. Apical meristems of seed radicles from the Oregon species and the proposed hybrid were stained with orcein. The metaphase chromosomes were photographed and measured, and chromosome arm ratios and relative lengths calculated. Analyses of variance and multiple comparison tests were run to determine if any significant differences in chromosome measurement exist among these Oregon delphiniums. Satellites and other morphological features were noted. Anther contents were also stained with orcein and microsporogenesis examined. Pollen viability and percent seed germination was determined for each of the species and the proposed hybrid. Callus and organized tissue that developed in vitro were stained with orcein and the mitotic cells examined. The unhanded karyotypes of the Oregon species and the proposed hybrid are similar in number, size and shape; major structural differences between species, if present, are not observable at this level of chromosome resolution. No markers for the identification of parental chromosomes in the proposed hybrid are available with this staining technique. However, statistical analysis of mean chromosome arm ratio and length indicates that D. menziesii, D. pavonaceum and D.leucophaeum are more closely related to one another than they are to D. trolliifolium and the proposed hybrid, and vice versa. D. trolliifolium is therefore a candidate parent species of the proposed hybrid whereas the other three species are likely not candidates. Karyotypes of these Oregon species are different from those of some species from outside Oregon. This is evidence of chromosome evolution in this genus. The absence of structural heterozygosity in meiotic metaphase I of the proposed hybrid suggests that (1) if it is a hybrid, the genomes of the parent species are structurally similar or (2), recurrent backcrossing with the same parent species may have gradually eliminated the chromosomes of the other parent from the hybrid line. High numbers of viable pollen and germinated seeds were found in all the species and the proposed hybrid, evidence that reproductive capacity is not adversely affected by its potentially hybrid condition. Mitosis in tissue culture varies, depending, to a large degree, on cell type. Organized tissues such as roots are sources of more stable karyotypes than calluses, which tend to be mixoploid. The development of plant structures in culture indicates a potential for in vitro plant regeneration

Linking spatial patterns of leaf litterfall and soil nutrients in a tropical forest: a neighborhood approach

Leaf litter represents an important link between tree community composition, forest productivity and biomass, and ecosystem processes. In forests, the spatial distribution of trees and species-specific differences in leaf litter production and quality are likely to cause spatial heterogeneity in nutrient returns to the forest floor and, therefore, in the redistribution of soil nutrients. Using mapped trees and leaf litter data for 12 tree species in a subtropical forest with a well-documented history of land use, we: (1) parameterized spatially explicit models of leaf litter biomass and nutrient deposition; (2) assessed variation in leaf litter inputs across forest areas with different land use legacies; and (3) determined the degree to which the quantity and quality of leaf litter inputs and soil physical characteristics are associated with spatial heterogeneity in soil nutrient ratios (C:N and N:P). The models captured the effects of tree size and location on spatial variation in leaf litterfall (R2 = 0.31–0.79). For all 12 focal species, most of the leaf litter fell less than 5 m away from the source trees, generating fine-scale spatial heterogeneity in leaf litter inputs. Secondary forest species, which dominate areas in earlier successional stages, had lower leaf litter C:N ratios and produced less litter biomass than old-growth specialists. In contrast, P content and N:P ratios did not vary consistently among successional groups. Interspecific variation in leaf litter quality translated into differences in the quantity and quality (C:N) of total leaf litter biomass inputs and among areas with different land use histories. Spatial variation in leaf litter C:N inputs was the major factor associated with heterogeneity in soil C:N ratios relative to soil physical characteristics. In contrast, spatial variation soil N:P was more strongly associated with spatial variation in topography than heterogeneity in leaf litter inputs. The modeling approach presented here can be used to generate prediction surfaces for leaf litter deposition and quality onto the forest floor, a useful tool for understanding soil–vegetation feedbacks. A better understanding of the role of leaf litter inputs from secondary vegetation in restoring soil nutrient stocks will also assist in managing expanding secondary forests in tropical regions

Associations between smoke-free vehicle legislation and childhood admissions to hospital for asthma in Scotland : an interrupted time-series analysis of whole-population data

Peer reviewedPublisher PD

Faculty Formation in the Jesuit and Mercy Traditions

Mentorship plays a major role in engaging faculty and supporting their development and growth within an academic institution. In order to support new faculty members’ success and belonging, the host institution piloted the Faculty Formation Program during the 2022-2023 academic year. The foundation of this mentorship program is based on Jesuit and Mercy values that align with the mission of the university. The program has engaged new and seasoned faculty in shared conversations about their roles as faculty members and their place in Jesuit and Mercy higher education. This paper articulates the foundation and characteristics of high-impact mentorship and describes how a mission-centered mentoring program was implemented at the host institution, along with lessons learned and future program enhancements. The paper also offers faculty members’ reflections on their relationship to Catholic higher education and how working in a Jesuit and Mercy institution informs their roles as faculty. The Faculty Formation Program can be adapted by other mission-focused institutions as a tool for faculty development and retention

Mixed blessings: a qualitative exploration of mothers’ experience of child care and feeding in the rapidly urbanizing city of Addis Ababa, Ethiopia

Many studies have drawn attention to the vital role mothers have in safeguarding the health and nutritional wellbeing of their children. However, little is known about mothers’ experiences and the challenges they face in fulfilling this role in rapidly urbanizing cities in Africa. This study aims to explore child care and feeding practices of mothers with children under five years of age in Addis Ababa, Ethiopia. This qualitative study was conducted using a semi-structured interview guide. A total of thirty-six interviews were conducted with purposively selected participants. All interviews were audio recorded, transcribed verbatim and translated for analysis. We used a thematic analysis approach, which was guided by a resilience framework. The findings are presented as three major themes. 1) ‘Mixed blessings-balancing motherhood’s expectations’. While mothers identified positively with the social recognition and sense of fulfillment of being a ‘good mother’, they were ambivalent/torn about earning the necessary income from outside work and fulfilling their duties at home. 2) ‘Instabilities due to rampant urban sprawl’. While women expressed a keen desire to balance work and motherhood, the disintegrating social capital, due to large in-migration, market fluctuations and abrupt/forced resettlements to new housing units had left mothers without support for childcare, stressed and exhausted. 3) ‘Anchored by faith: a source of resilience to cope with adversities’. In the face of the multiple adversities, mothers cited their strong faith as their most reliable foundation for their resilience. In summary, the societal and environmental changes accompanying the rapid urbanization in low income settings makes combining child care and working outside the home very challenging for mothers. As a result they suffer from fatigue and feelings of isolation. Efforts to improve child feeding and care in urban low-income settings need to consider context appropriate strategies that support mothers with small children

INCREASING ENGAGEMENT IN ONLINE LEARNING

Motivated by the need to improve students’ engagement and learning outcomes, in 2018/2019 we implemented two engagement interventions to 1650 students in twelve online courses across Science, Education, Engineering and Accounting at a regional university. Both “click” data and video analytics were used to measure engagement. The first initiative applied findings from behavioural research to ‘nudge’ students toward early engagement with key learning resources and to create ‘teaching presence’ (Garrison, 2007). The second initiative was to help move ‘knowledge’ to ‘know-how’ by nudging videos to offer a sense of real-life expertise, application, motivation and advanced connection. We aimed to improve student learning outcomes and their online engagement by providing explicit guidance about which course resources were critical for students’ success. We were interested in interrogating the data in both learning management systems (Moodle®) and Video analytics (Vimeo®) to answer questions about learner engagement and to explore evidence of impact. The nudges successfully engaged students in the key online resources showing an 18% average increase in access and confirmed via student feedback. The project developed a Nudge Guidelines document that has been presented institutionally and nationally to enable academics to utilise the strategies in their courses

Clinical effectiveness and cost-effectiveness of cognitive behavioural therapy as an adjunct to pharmacotherapy for treatment-resistant depression in primary care: the CoBalT randomised controlled trial

Background: Only one-third of patients with depression respond fully to treatment with antidepressant medication. However, there is little robust evidence to guide the management of those whose symptoms are 'treatment resistant'.<p></p> Objective: The CoBalT trial examined the clinical effectiveness and cost-effectiveness of cognitive behavioural therapy (CBT) as an adjunct to usual care (including pharmacotherapy) for primary care patients with treatment-resistant depression (TRD) compared with usual care alone.<p></p> Design: Pragmatic, multicentre individually randomised controlled trial with follow-up at 3, 6, 9 and 12 months. A subset took part in a qualitative study investigating views and experiences of CBT, reasons for completing/not completing therapy, and usual care for TRD.<p></p> Setting: General practices in Bristol, Exeter and Glasgow, and surrounding areas.<p></p> Participants: Patients aged 18-75 years who had TRD [on antidepressants for 6 weeks, had adhered to medication, Beck Depression Inventory, 2nd version (BDI-II) score of 14 and fulfilled the International Classification of Diseases and Related Health Problems, Tenth edition criteria for depression]. Individuals were excluded who (1) had bipolar disorder/psychosis or major alcohol/substance abuse problems; (2) were unable to complete the questionnaires; or (3) were pregnant, as were those currently receiving CBT/other psychotherapy/secondary care for depression, or who had received CBT in the past 3 years.<p></p> Interventions: Participants were randomised, using a computer-generated code, to usual care or CBT (12-18 sessions) in addition to usual care.<p></p> Main outcome measures: The primary outcome was 'response', defined as 50% reduction in depressive symptoms (BDI-II score) at 6 months compared with baseline. Secondary outcomes included BDI-II score as a continuous variable, remission of symptoms (BDI-II score of < 10), quality of life, anxiety and antidepressant use at 6 and 12 months. Data on health and social care use, personal costs, and time off work were collected at 6 and 12 months. Costs from these three perspectives were reported using a cost-consequence analysis. A cost-utility analysis compared health and social care costs with quality adjusted life-years.<p></p> Results: A total of 469 patients were randomised (intervention: n = 234; usual care: n = 235), with 422 participants (90%) and 396 (84%) followed up at 6 and 12 months. Ninety-five participants (46.1%) in the intervention group met criteria for 'response' at 6 months compared with 46 (21.6%) in the usual-care group {odds ratio [OR] 3.26 [95% confidence interval (CI) 2.10 to 5.06], p < 0.001}. In repeated measures analyses using data from 6 and 12 months, the OR for 'response' was 2.89 (95% CI 2.03 to 4.10, p < 0.001) and for a secondary 'remission' outcome (BDI-II score of < 10) 2.74 (95% CI 1.82 to 4.13, p < 0.001). The mean cost of CBT per participant was £910, the incremental health and social care cost £850, the incremental QALY gain 0.057 and incremental cost-effectiveness ratio £14,911. Forty participants were interviewed. Patients described CBT as challenging but helping them to manage their depression; listed social, emotional and practical reasons for not completing treatment; and described usual care as mainly taking medication.<p></p> Conclusions: Among patients who have not responded to antidepressants, augmenting usual care with CBT is effective in reducing depressive symptoms, and these effects, including outcomes reflecting remission, are maintained over 12 months. The intervention was cost-effective based on the National Institute for Health and Care Excellence threshold. Patients may experience CBT as difficult but effective. Further research should evaluate long-term effectiveness, as this would have major implications for the recommended treatment of depression.<p></p&gt

Altered Gating of K\u3csub\u3ev\u3c/sub\u3e1.4 in the Nucleus Accumbens Suppresses Motivation for Reward

Deficient motivation contributes to numerous psychiatric disorders, including withdrawal from drug use, depression, schizophrenia, and others. Nucleus accumbens (NAc) has been implicated in motivated behavior, but it remains unclear whether motivational drive is linked to discrete neurobiological mechanisms within the NAc. To examine this, we profiled cohorts of Sprague-Dawley rats in a test of motivation to consume sucrose. We found that substantial variability in willingness to exert effort for reward was not associated with operant responding under low-effort conditions or stress levels. Instead, effort-based motivation was mirrored by a divergent NAc shell transcriptome with differential regulation at potassium and dopamine signaling genes. Functionally, motivation was inversely related to excitability of NAc principal neurons. Furthermore, neuronal and behavioral outputs associated with low motivation were linked to faster inactivation of a voltage-gated potassium channel, Kv1.4. These results raise the prospect of targeting Kv1.4 gating in psychiatric conditions associated with motivational dysfunction