People-to-People Lending: The Emerging e-Commerce Transformation of a Financial Market

This paper provides an overview of the concept of people-to-people (P2P) lending, a relatively new e-commerce phenomenon that has the potential to radically change the structure of the loan segment of the financial industry. P2P lending creates a marketplace of individuals and a social fabric through which these individuals interact. It provides efficient information transfer, thus perhaps creating more perfect markets. P2P lending requires information systems support to make it function, and to provide a social network mechanism that may be crucial for its success. We discuss different P2P lending marketplace models, and how information systems support the creation and management of these new marketplaces, and how they support the individuals involved. We conclude by providing some important research questions and directions, and issues for which further investigation is called

Neutrino oscillations in magnetically driven supernova explosions

We investigate neutrino oscillations from core-collapse supernovae that produce magnetohydrodynamic (MHD) explosions. By calculating numerically the flavor conversion of neutrinos in the highly non-spherical envelope, we study how the explosion anisotropy has impacts on the emergent neutrino spectra through the Mikheyev-Smirnov-Wolfenstein effect. In the case of the inverted mass hierarchy with a relatively large theta_(13), we show that survival probabilities of electron type neutrinos and antineutrinos seen from the rotational axis of the MHD supernovae (i.e., polar direction), can be significantly different from those along the equatorial direction. The event numbers of electron type antineutrinos observed from the polar direction are predicted to show steepest decrease, reflecting the passage of the magneto-driven shock to the so-called high-resonance regions. Furthermore we point out that such a shock effect, depending on the original neutrino spectra, appears also for the low-resonance regions, which leads to a noticeable decrease in the electron type neutrino signals. This reflects a unique nature of the magnetic explosion featuring a very early shock-arrival to the resonance regions, which is in sharp contrast to the neutrino-driven delayed supernova models. Our results suggest that the two features in the electron type antineutrinos and neutrinos signals, if visible to the Super-Kamiokande for a Galactic supernova, could mark an observational signature of the magnetically driven explosions, presumably linked to the formation of magnetars and/or long-duration gamma-ray bursts.Comment: 25 pages, 21 figures, JCAP in pres

Probing the Core-Collapse Supernova Mechanism with Gravitational Waves

The mechanism of core-collapse supernova explosions must draw on the energy provided by gravitational collapse and transfer the necessary fraction to the kinetic and internal energy of the ejecta. Despite many decades of concerted theoretical effort, the detailed mechanism of core-collapse supernova explosions is still unknown, but indications are strong that multi-D processes lie at its heart. This opens up the possibility of probing the supernova mechanism with gravitational waves, carrying direct dynamical information from the supernova engine deep inside a dying massive star. I present a concise overview of the physics and primary multi-D dynamics in neutrino-driven, magnetorotational, and acoustically-driven core-collapse supernova explosion scenarios. Discussing and contrasting estimates for the gravitational-wave emission characteristics of these mechanisms, I argue that their gravitational-wave signatures are clearly distinct and that the observation (or non-observation) of gravitational waves from a nearby core-collapse event could put strong constraints on the supernova mechanism.Comment: 13 pages, 5 figures. Submitted to the special issue of Class. Quant. Grav. for the 13th Gravitational Wave Data Analysis Workshop (GWDAW13). A version with high-resolution figures is available from http://stellarcollapse.org/papers/OTT_gwdaw13.pd

Crucial Physical Dependencies of the Core-Collapse Supernova Mechanism

We explore with self-consistent 2D F{\sc{ornax}} simulations the dependence of the outcome of collapse on many-body corrections to neutrino-nucleon cross sections, the nucleon-nucleon bremsstrahlung rate, electron capture on heavy nuclei, pre-collapse seed perturbations, and inelastic neutrino-electron and neutrino-nucleon scattering. Importantly, proximity to criticality amplifies the role of even small changes in the neutrino-matter couplings, and such changes can together add to produce outsized effects. When close to the critical condition the cumulative result of a few small effects (including seeds) that individually have only modest consequence can convert an anemic into a robust explosion, or even a dud into a blast. Such sensitivity is not seen in one dimension and may explain the apparent heterogeneity in the outcomes of detailed simulations performed internationally. A natural conclusion is that the different groups collectively are closer to a realistic understanding of the mechanism of core-collapse supernovae than might have seemed apparent.Comment: 25 pages; 10 figure

Computational Models of Stellar Collapse and Core-Collapse Supernovae

Core-collapse supernovae are among Nature's most energetic events. They mark the end of massive star evolution and pollute the interstellar medium with the life-enabling ashes of thermonuclear burning. Despite their importance for the evolution of galaxies and life in the universe, the details of the core-collapse supernova explosion mechanism remain in the dark and pose a daunting computational challenge. We outline the multi-dimensional, multi-scale, and multi-physics nature of the core-collapse supernova problem and discuss computational strategies and requirements for its solution. Specifically, we highlight the axisymmetric (2D) radiation-MHD code VULCAN/2D and present results obtained from the first full-2D angle-dependent neutrino radiation-hydrodynamics simulations of the post-core-bounce supernova evolution. We then go on to discuss the new code Zelmani which is based on the open-source HPC Cactus framework and provides a scalable AMR approach for 3D fully general-relativistic modeling of stellar collapse, core-collapse supernovae and black hole formation on current and future massively-parallel HPC systems. We show Zelmani's scaling properties to more than 16,000 compute cores and discuss first 3D general-relativistic core-collapse results.Comment: 16 pages, 5 figures, to appear in the proceedings of the DOE/SciDAC 2009 conference. A version with high-resolution figures is available from http://stellarcollapse.org/papers/Ott_SciDAC2009.pd

Stearoyl-CoA Desaturase-1 (SCD1) Augments Saturated Fatty Acid-Induced Lipid Accumulation and Inhibits Apoptosis in Cardiac Myocytes

Mismatch between the uptake and utilization of long-chain fatty acids in the myocardium leads to abnormally high intracellular fatty acid concentration, which ultimately induces myocardial dysfunction. Stearoyl-Coenzyme A desaturase-1 (SCD1) is a rate-limiting enzyme that converts saturated fatty acids (SFAs) to monounsaturated fatty acids. Previous studies have shown that SCD1-deficinent mice are protected from insulin resistance and diet-induced obesity; however, the role of SCD1 in the heart remains to be determined. We examined the expression of SCD1 in obese rat hearts induced by a sucrose-rich diet for 3 months. We also examined the effect of SCD1 on myocardial energy metabolism and apoptotic cell death in neonatal rat cardiac myocytes in the presence of SFAs. Here we showed that the expression of SCD1 increases 3.6-fold without measurable change in the expression of lipogenic genes in the heart of rats fed a high-sucrose diet. Forced SCD1 expression augmented palmitic acid-induced lipid accumulation, but attenuated excess fatty acid oxidation and restored reduced glucose oxidation. Of importance, SCD1 substantially inhibited SFA-induced caspase 3 activation, ceramide synthesis, diacylglycerol synthesis, apoptotic cell death, and mitochondrial reactive oxygen species (ROS) generation. Experiments using SCD1 siRNA confirmed these observations. Furthermore, we showed that exposure of cardiac myocytes to glucose and insulin induced SCD1 expression. Our results indicate that SCD1 is highly regulated by a metabolic syndrome component in the heart, and such induction of SCD1 serves to alleviate SFA-induced adverse fatty acid catabolism, and eventually to prevent SFAs-induced apoptosis