Disparities in Debt: Why Debt is a Driver in the Racial Wealth Gap

Racial wealth inequality has been pervasive in the United States from the earliest days of colonization 400 years ago. Despite Constitutional guarantees of equality and numerous anti-discrimination laws, racial wealth gaps not only remain but some are growing. Scholars, policymakers, and others have deeply investigated the historical roots and current drivers of racial wealth inequality in the United States. Most analyses focus on total asset holdings, intergenerational transfers, or disparities in specific assets (such as home equity). Media coverage and social narratives about racial wealth gaps similarly tend to concentrate on assets.Less attention has been paid to the other side of the household balance sheet: debt. Although there has been analysis of racial disparities in mortgages, and recent research has illuminated the role of student loans in widening the wealth gap between Black and white households, debt remains under-appreciated as a driver of racial wealth gaps.This brief explores the links between racial disparities in debt and those in wealth. It is informed by traditional research and by Aspen FSP's years of engagement with consumers and families about their financial challenges. It reflects findings from a literature review, interviews with experts from the academic and private sectors, analysis of federal survey data, and focus groups and consumer surveys. We believe that fully understanding the impact of debt on people's lives requires a multidisciplinary approach that includes systematically seeking input from and listening to people who struggle financially.  The growth in racial wealth inequality makes it imperative that policymakers, business leaders, and nonprofit and philanthropic institutions invest in strategies that increase wealth accumulation among those with the least and reduce racial disparities across every dimension of personal net worth. This brief provides a resource for leaders across sectors to understand more deeply the interactions between racial disparities in debt and racial gaps in wealth and the ways in which redressing the racial wealth gap requires addressing racial debt disparities

The official concept of the nation in the GDR: Theory versus pragmatism.

This thesis is a study of the attempts by the leadership of the GDR to devise a concept of the nation which suited their objectives regarding the future of the state and of Germany as a whole, from 1949 until 1989. A simple analysis of official pronouncements on the subject over the years reveals serious inconsistencies and dramatic U-turns. This thesis considers various factors which may have shaped the official line, including the influence of Bonn and Moscow, public opinion and personal convictions. In particular it examines the input of experts from academic institutions in order to answer the question of whether or not the official line on the nation had a clear theoretical basis, or was purely determined by pragmatic considerations. In order to investigate what lay behind official policy, extensive use has been made of material from the SED's Central Party Archive, and interviews were conducted with leading theorists. In this way it was possible to gain a better understanding of the interaction between the political and theoretical aspects of the National Question in the former GDR. The findings reveal that the official concept of the nation was primarily determined by pragmatic, or even opportunistic considerations, and was viewed by the SED leadership as a means to legitimise the GDR in the absence of alternative methods. Initially the intention was to reinforce the claim that the GDR was a model for a future united socialist Germany, but later a concept was fashioned to support the idea that it was an independent sovereign state, and in no way linked to the Federal Republic. However, the regime was heavily reliant on the skills of theorists to provide credible (Marxist-Leninist) justifications for policy changes, and to modify policies in order to make them more acceptable and therefore more effective as a means to legitimise the state

Focused ion beam modification of surfaces for directed self-assembly of InAs/GaAs(001) quantum dots

Controlled nucleation of InAs quantum dots has been achieved by Ga+ focused ion beam modification of GaAs(100) surfaces. Quantum dots may be induced in irradiated regions despite the fact that the deposited thickness is less than the critical thickness for their formation under typical growth conditions when the ion dose is greater than 1013 ions cm−2. We also find that the dot density increases with increasing ion dose, and reaches saturation for D>1014 ions cm−2. Parameters such as dot height and diameter are unaffected by the dose level. Thus, we show that the increase in dot density is a result of diffusion of adatoms from outside the patterned region. The mechanism for enhanced quantum dot formation is due to the formation of monolayer deep holes created in the substrate by the ion beam, which may be used to form regular arrays of quantum dots.Peer Reviewedhttp://deepblue.lib.umich.edu/bitstream/2027.42/58138/2/nano7_45_455303.pd

Timing is everything, but does it really matter? Impact of 8-weeks morning versus evening iron supplementation in ballet and contemporary dancers

The effectiveness of a morning versus evening oral iron supplement strategy to increase iron stores was explored. Ballet and contemporary dancers with serum ferritin (sFer) \u3c 50 g/L (n = 14), were supplemented daily with 105 mg elemental oral iron in either the morning (FeAM) or evening (FePM) for 8 weeks. A control group (n = 6) with sFer \u3e 50 g/L were given no supplement over the same period. Dancers’ sFer were measured at baseline and post-intervention. Assessment of daily training load, dietary intake, and menstruation were made. A significant interaction (p \u3c 0.001) showed the within group sFer change over the 8-week intervention in FeAM (+25.9 ± 10.5 g/L) and FePM, (+22.3 ± 13.6 g/L) was significantly different to CON (−30.17 ± 28.7 g/L; both p = 0.001). This change was not different between FeAM and FePM (p = 0.778). sFer levels within FeAM and FePM significantly increased over the 8-weeks; however, they significantly decreased in the CON group (all p \u3c 0.05). Post-intervention sFer levels were no longer different between the three groups (p \u3e 0.05). Training load, dietary intake, and number of menstrual cycles incurred were similar between FeAM and FePM (p \u3e 0.05). Oral iron supplementation in either the morning or evening appears equally effective in increasing sFer levels in dancers with sub-optimal iron status

Dietary iron and the elite dancer

Dancers are an athlete population at high risk of developing iron deficiency (ID). The aesthetic nature of the discipline means dancers potentially utilise dietary restriction to meet physique goals. In combination with high training demands, this means dancers are susceptible to problems related to low energy availability (LEA), which impacts nutrient intake. In the presence of LEA, ID is common because of a reduced mineral content within the low energy diet. Left untreated, ID becomes an issue that results in fatigue, reduced aerobic work capacity, and ultimately, iron deficient anaemia (IDA). Such progression can be detrimental to a dancer’s capacity given the physically demanding nature of training, rehearsal, and performances. Previous literature has focused on the manifestation and treatment of ID primarily in the context of endurance athletes; however, a dance-specific context addressing the interplay between dance training and performance, LEA and ID is essential for practitioners working in this space. By consolidating findings from identified studies of dancers and other relevant athlete groups, this review explores causal factors of ID and potential treatment strategies for dancers to optimise absorption from an oral iron supplementation regime to adequately support health and performance

Dietary iron and the elite dancer

Dancers are an athlete population at high risk of developing iron deficiency (ID). The aesthetic nature of the discipline means dancers potentially utilise dietary restriction to meet physique goals. In combination with high training demands, this means dancers are susceptible to problems related to low energy availability (LEA), which impacts nutrient intake. In the presence of LEA, ID is common because of a reduced mineral content within the low energy diet. Left untreated, ID becomes an issue that results in fatigue, reduced aerobic work capacity, and ultimately, iron deficient anaemia (IDA). Such progression can be detrimental to a dancer’s capacity given the physically demanding nature of training, rehearsal, and performances. Previous literature has focused on the manifestation and treatment of ID primarily in the context of endurance athletes; however, a dance-specific context addressing the interplay between dance training and performance, LEA and ID is essential for practitioners working in this space. By consolidating findings from identified studies of dancers and other relevant athlete groups, this review explores causal factors of ID and potential treatment strategies for dancers to optimise absorption from an oral iron supplementation regime to adequately support health and performance

Understanding the lives of separating and separated families in the UK: what evidence do we need?

This study was designed to address three broad questions: What are the evidence – and data – needs around family separation in the UK? How far are these needs met by administrative, survey and other research data that currently exist or are in the process of being developed? What additional data are required, and how would these best be collected

NMR as a “gold standard” method in drug design and discovery

Studying disease models at the molecular level is vital for drug development in order to improve treatment and prevent a wide range of human pathologies. Microbial infections are still a major challenge because pathogens rapidly and continually evolve developing drug resistance. Cancer cells also change genetically, and current therapeutic techniques may be (or may become) ineffective in many cases. The pathology of many neurological diseases remains an enigma, and the exact etiology and underlying mechanisms are still largely unknown. Viral infections spread and develop much more quickly than does the corresponding research needed to prevent and combat these infections; the present and most relevant outbreak of SARS-CoV-2, which originated in Wuhan, China, illustrates the critical and immediate need to improve drug design and development techniques. Modern day drug discovery is a time-consuming, expensive process. Each new drug takes in excess of 10 years to develop and costs on average more than a billion US dollars. This demonstrates the need of a complete redesign or novel strategies. Nuclear Magnetic Resonance (NMR) has played a critical role in drug discovery ever since its introduction several decades ago. In just three decades, NMR has become a “gold standard” platform technology in medical and pharmacology studies. In this review, we present the major applications of NMR spectroscopy in medical drug discovery and development. The basic concepts, theories, and applications of the most commonly used NMR techniques are presented. We also summarize the advantages and limitations of the primary NMR methods in drug development

A Novel Mutation in the Maternally Imprinted PEG3 Domain Results in a Loss of MIMT1 Expression and Causes Abortions and Stillbirths in Cattle (Bos taurus)

Peer reviewe