Augmented neural networks for modelling consumer indebtness

Consumer Debt has risen to be an important problem of modern societies, generating a lot of research in order to understand the nature of consumer indebtness, which so far its modelling has been carried out by statistical models. In this work we show that Computational Intelligence can offer a more holistic approach that is more suitable for the complex relationships an indebtness dataset has and Linear Regression cannot uncover. In particular, as our results show, Neural Networks achieve the best performance in modelling consumer indebtness, especially when they manage to incorporate the significant and experimentally verified results of the Data Mining process in the model, exploiting the flexibility Neural Networks offer in designing their topology. This novel method forms an elaborate framework to model Consumer indebtness that can be extended to any other real world application

A data mining framework to model consumer indebtedness with psychological factors

Modelling Consumer Indebtedness has proven to be a problem of complex nature. In this work we utilise Data Mining techniques and methods to explore the multifaceted aspect of Consumer Indebtedness by examining the contribution of Psychological Factors, like Impulsivity to the analysis of Consumer Debt. Our results confirm the beneficial impact of Psychological Factors in modelling Consumer Indebtedness and suggest a new approach in analysing Consumer Debt, that would take into consideration more Psychological characteristics of consumers and adopt techniques and practices from Data Mining

A data mining framework to model consumer indebtedness with psychological factors

Modelling Consumer Indebtedness has proven to be a problem of complex nature. In this work we utilise Data Mining techniques and methods to explore the multifaceted aspect of Consumer Indebtedness by examining the contribution of Psychological Factors, like Impulsivity to the analysis of Consumer Debt. Our results confirm the beneficial impact of Psychological Factors in modelling Consumer Indebtedness and suggest a new approach in analysing Consumer Debt, that would take into consideration more Psychological characteristics of consumers and adopt techniques and practices from Data Mining

Using clustering to extract personality information from socio economic data

It has become apparent that models that have been applied widely in economics, including Machine Learning techniques and Data Mining methods, should take into consideration principles that derive from the theories of Personality Psychology in order to discover more comprehensive knowledge regarding complicated economic behaviours. In this work, we present a method to extract Behavioural Groups by using simple clustering techniques that can potentially reveal aspects of the Personalities for their members. We believe that this is very important because the psychological information regarding the Personalities of individuals is limited in real world applications and because it can become a useful tool in improving the traditional models of Knowledge Economy

The Cauchy problem for a class of two-dimensional nonlocal nonlinear wave equations governing anti-plane shear motions in elastic materials

This paper is concerned with the analysis of the Cauchy problem of a general class of two-dimensional nonlinear nonlocal wave equations governing anti-plane shear motions in nonlocal elasticity. The nonlocal nature of the problem is reflected by a convolution integral in the space variables. The Fourier transform of the convolution kernel is nonnegative and satisfies a certain growth condition at infinity. For initial data in $L^{2}$ Sobolev spaces, conditions for global existence or finite time blow-up of the solutions of the Cauchy problem are established.Comment: 15 pages. "Section 6 The Anisotropic Case" added and minor changes. Accepted for publication in Nonlinearit

Nanoscale processes during the interaction of aluminosilicate and carbonate mineral surfaces with acid mine drainage (AMD)

Depto. de Mineralogía y PetrologíaFac. de Ciencias GeológicasTRUEpu

Laser treatment in diabetic retinopathy

Diabetic retinopathy is a leading cause of visual impairment and blindness in developed countries due to macular edema and proliferative diabetic retinopathy (PDR). For both complications laser treatment may offer proven therapy: the Diabetic Retinopathy Study demonstrated that panretinal scatter photocoagulation reduces the risk of severe visual loss by >= 50% in eyes with high-risk characteristics. Pan-retinal scatter coagulation may also be beneficial in other PDR and severe nonproliferative diabetic retinopathy (NPDR) under certain conditions. For clinically significant macular edema the Early Treatment of Diabetic Retinopathy Study could show that immediate focal laser photocoagulation reduces the risk of moderate visual loss by at least 50%. When and how to perform laser treatment is described in detail, offering a proven treatment for many problems associated with diabetic retinopathy based on a high evidence level. Copyright (c) 2007 S. Karger AG, Basel

In search of the origins and enduring impact of agile software development

The Agile Manifesto is a philosophical touchpoint for all agile software development (ASD) methods. We examine the manifesto and some of its associated agile methods in an effort to identify the major impacts of ASD. We have encountered some difficulty in delineating agile and non-agile software processes, which is partially the result of terminological confusion. It is clear from the volume of published research that ASD has made a significant contribution, and we have identified two lasting and important impacts. Firstly, the reduction in iteration durations and secondly, the push for reduced levels of documentation (especially in relation to software requirements). Other aspects of the Agile Manifesto may not have exerted a significant impact; for example, the use of tooling to automate processes has become central to continuous software engineering (CSE) and may not be wholly congruent with the manifesto. Furthermore, many organisations may still rely on business contracts despite calls in the manifesto for greater levels of informal customer collaboration

Aerial dissemination of Clostridium difficile spores

Background: Clostridium difficile-associated diarrhoea (CDAD) is a frequently occurring healthcare-associated infection, which is responsible for significant morbidity and mortality amongst elderly patients in healthcare facilities. Environmental contamination is known to play an important contributory role in the spread of CDAD and it is suspected that contamination might be occurring as a result of aerial dissemination of C. difficile spores. However previous studies have failed to isolate C. difficile from air in hospitals. In an attempt to clarify this issue we undertook a short controlled pilot study in an elderly care ward with the aim of culturing C. difficile from the air. Methods: In a survey undertaken during February (two days) 2006 and March (two days) 2007, air samples were collected using a portable cyclone sampler and surface samples collected using contact plates in a UK hospital. Sampling took place in a six bedded elderly care bay (Study) during February 2006 and in March 2007 both the study bay and a four bedded orthopaedic bay (Control). Particulate material from the air was collected in Ringer's solution, alcohol shocked and plated out in triplicate onto Brazier's CCEY agar without egg yolk, but supplemented with 5 mg/L of lysozyme. After incubation, the identity of isolates was confirmed by standard techniques. Ribotyping and REP-PCR fingerprinting were used to further characterise isolates. Results: On both days in February 2006, C. difficile was cultured from the air with 23 samples yielding the bacterium (mean counts 53 – 426 cfu/m3 of air). One representative isolate from each of these was characterized further. Of the 23 isolates, 22 were ribotype 001 and were indistinguishable on REP-PCR typing. C. difficile was not cultured from the air or surfaces of either hospital bay during the two days in March 2007. Conclusion: This pilot study produced clear evidence of sporadic aerial dissemination of spores of a clone of C. difficile, a finding which may help to explain why CDAD is so persistent within hospitals and difficult to eradicate. Although preliminary, the findings reinforce concerns that current C. difficile control measures may be inadequate and suggest that improved ward ventilation may help to reduce the spread of CDAD in healthcare facilities