Una Visión General del Sistema Financiero Colombiano

Desde finales de los 80 el sistema financiero colombiano ha experimentado cambios sensibles. En efecto, la liberalización financiera, el fortalecimiento de la regulación prudencial, la conversión de un número importante de sociedades en establecimientos de crédito, el aumento en los requisitos de capital, etc. han determinado un cambio de perfil en el sistema. Adicionalmente, en el pasado reciente las autoridades han tomado medidas en cuanto a la estructura de los encajes, aumentos en los requisitos de capital, el acceso al crédito externo, etc. que afectan de manera importante a las entidades financieras. A raíz de estas medidas ha surgido un debate acerca del tipo de sistema financiero que resulta más deseable para Colombia. La discusión es de vital importancia puesto que la estructura de encajes, las formas de intervención del Banco de la República en los mercados cambiario y monetario, la supervisión y todo el aparato regulatorio deben ser consistentes con el tipo de sistema que se desee. Con el fin de contribuir al debate, en este documento se presenta una breve descripción del estado actual del sistema financiero y su evolución reciente, se plantea una reflexión normativa acerca del tipo de sistema financiero que puede resultar más deseable y, finalmente,se presentan algunas recomendaciones.

Expanding the clinical phenotype of individuals with a 3-bp in-frame deletion of the NF1 gene (c.2970_2972del): an update of genotype–phenotype correlation

Purpose: Neurofibromatosis type 1 (NF1) is characterized by a highly variable clinical presentation, but almost all NF1-affected adults present with cutaneous and/or subcutaneous neurofibromas. Exceptions are individuals heterozygous for the NF1 in-frame deletion, c.2970_2972del (p.Met992del), associated with a mild phenotype without any externally visible tumors. Methods: A total of 135 individuals from 103 unrelated families, all carrying the constitutional NF1 p.Met992del pathogenic variant and clinically assessed using the same standardized phenotypic checklist form, were included in this study. Results: None of the individuals had externally visible plexiform or histopathologically confirmed cutaneous or subcutaneous neurofibromas. We did not identify any complications, such as symptomatic optic pathway gliomas (OPGs) or symptomatic spinal neurofibromas; however, 4.8% of individuals had nonoptic brain tumors, mostly low-grade and asymptomatic, and 38.8% had cognitive impairment/learning disabilities. In an individual with the NF1 constitutional c.2970_2972del and three astrocytomas, we provided proof that all were NF1-associated tumors given loss of heterozygosity at three intragenic NF1 microsatellite markers and c.2970_297

Psychometric Properties of the Worry Behaviors Inventory : Replication and Extension in a Large Clinical and Community Sample

BACKGROUND: The use of maladaptive behaviors by individuals with generalized anxiety disorder (GAD) is theoretically important and clinically meaningful. However, little is known about the specificity of avoidant behaviors to GAD and how these behaviors can be reliably assessed. AIMS: This study replicated and extended the psychometric evaluation of the Worry Behaviors Inventory (WBI), a brief self-report measure of avoidant behaviors associated with GAD. METHOD: The WBI was administered to a hospital-based sample of adults seeking treatment for symptoms of anxiety and/or depression (n = 639) and to a community sample (n = 55). Participants completed measures of symptom severity (GAD, depression, panic disorder, health anxiety, and personality disorder), and measures of checking, reassurance-seeking and behavioral inhibition. Analyses evaluated the factor structure, convergent, divergent, incremental, and discriminant validity, as well the temporal stability and treatment sensitivity of the WBI. RESULTS: The two-factor structure found in the preliminary psychometric evaluation of the WBI was replicated. The WBI was sensitive to changes across treatment and correlated well with measures of GAD symptom severity and maladaptive behaviors. The WBI was more strongly related to GAD symptom severity than other disorders. The WBI discriminated between clinical and community samples. CONCLUSIONS: The WBI provides clinicians and researchers with a brief, clinically meaningful index of problematic behaviors that may guide treatment decisions and contribute to our understanding of maintaining factors in GAD

Psychometric Properties of the Worry Behaviors Inventory: Replication and Extension in a Large Clinical and Community Sample

BACKGROUND: The use of maladaptive behaviors by individuals with generalized anxiety disorder (GAD) is theoretically important and clinically meaningful. However, little is known about the specificity of avoidant behaviors to GAD and how these behaviors can be reliably assessed. AIMS: This study replicated and extended the psychometric evaluation of the Worry Behaviors Inventory (WBI), a brief self-report measure of avoidant behaviors associated with GAD. METHOD: The WBI was administered to a hospital-based sample of adults seeking treatment for symptoms of anxiety and/or depression (n = 639) and to a community sample (n = 55). Participants completed measures of symptom severity (GAD, depression, panic disorder, health anxiety, and personality disorder), and measures of checking, reassurance-seeking and behavioral inhibition. Analyses evaluated the factor structure, convergent, divergent, incremental, and discriminant validity, as well the temporal stability and treatment sensitivity of the WBI. RESULTS: The two-factor structure found in the preliminary psychometric evaluation of the WBI was replicated. The WBI was sensitive to changes across treatment and correlated well with measures of GAD symptom severity and maladaptive behaviors. The WBI was more strongly related to GAD symptom severity than other disorders. The WBI discriminated between clinical and community samples. CONCLUSIONS: The WBI provides clinicians and researchers with a brief, clinically meaningful index of problematic behaviors that may guide treatment decisions and contribute to our understanding of maintaining factors in GAD

The Mediating Relationship between Maladaptive Behaviours, Cognitive Factors, and Generalised Anxiety Disorder Symptoms

Cognitive theories of generalised anxiety disorder (GAD) posit that cognitive and behavioural factors maintain the disorder. This study examined whether avoidance and safety behaviours mediated the relationship between cognitive factors and GAD symptoms. We also examined the reverse mediation model; that is, whether cognitive factors mediated the relationship between maladaptive behaviours and GAD symptoms. Undergraduate psychology students (N = 125 and N = 292) completed the Worry Behaviours Inventory (a recently developed measure of maladaptive behaviours associated with GAD), in addition to measures of intolerance of uncertainty, cognitive avoidance, metacognitive beliefs, and symptoms of GAD and depression. Analyses supported the reliability and validity of the WBI. We consistently found that engagement in maladaptive behaviours significantly mediated the relationship between cognitive factors and symptoms of GAD. The reverse mediation model was also supported. Our results are consistent with the contention that cognitive and behavioural factors contribute to GAD symptom severity

Maladaptive Behaviours Associated with Generalized Anxiety Disorder : An Item Response Theory Analysis

BACKGROUND: Cognitive models of generalized anxiety disorder (GAD) suggest that maladaptive behaviours may contribute to the maintenance of the disorder; however, little research has concentrated on identifying and measuring these behaviours. To address this gap, the Worry Behaviors Inventory (WBI) was developed and has been evaluated within a classical test theory (CTT) approach. AIMS: As CTT is limited in several important respects, this study examined the psychometric properties of the WBI using an Item Response Theory approach. METHOD: A large sample of adults commencing treatment for their symptoms of GAD (n = 537) completed the WBI in addition to measures of GAD and depression symptom severity. RESULTS: Patients with a probable diagnosis of GAD typically engaged in four or five maladaptive behaviours most or all of the time in an attempt to prevent, control or avoid worrying about everyday concerns. The two-factor structure of the WBI was confirmed, and the WBI scales demonstrated good reliability across a broad range of the respective scales. Together with previous findings, our results suggested that hypervigilance and checking behaviours, as well as avoidance of saying or doing things that are worrisome, were the most relevant maladaptive behaviours associated with GAD, and discriminated well between adults with low, moderate and high degrees of the respective WBI scales. CONCLUSIONS: Our results support the importance of maladaptive behaviours to GAD and the utility of the WBI to index these behaviours. Ramifications for the classification, theoretical conceptualization and treatment of GAD are discussed

Timing of hot spot-related volcanism and the breakup of Madagascar and India

Widespread basalts and rhyolites were erupted in Madagascar during the Late Cretaceous. These are considered to be related to the Marion hot spot and the breakup of Madagascar and Greater India. Seventeen argon-40/argon-39 age determinations reveal that volcanic rocks and dikes from the 1500-kilometer-long rifted eastern margin of Madagascar were emplaced rapidly (mean age = 87.6 ± 0.6 million years ago) and that the entire duration of Cretaceous volcanism on the island was no more than 6 million years. The evidence suggests that the thick lava pile at Volcan de l'Androy in the south of the island marks the focal point of the Marion hot spot at 88 million years ago and that this mantle plume was instrumental in causing continental breakup

Maladaptive Behaviours Associated with Generalized Anxiety Disorder: An Item Response Theory Analysis

BACKGROUND: Cognitive models of generalized anxiety disorder (GAD) suggest that maladaptive behaviours may contribute to the maintenance of the disorder; however, little research has concentrated on identifying and measuring these behaviours. To address this gap, the Worry Behaviors Inventory (WBI) was developed and has been evaluated within a classical test theory (CTT) approach. AIMS: As CTT is limited in several important respects, this study examined the psychometric properties of the WBI using an Item Response Theory approach. METHOD: A large sample of adults commencing treatment for their symptoms of GAD (n = 537) completed the WBI in addition to measures of GAD and depression symptom severity. RESULTS: Patients with a probable diagnosis of GAD typically engaged in four or five maladaptive behaviours most or all of the time in an attempt to prevent, control or avoid worrying about everyday concerns. The two-factor structure of the WBI was confirmed, and the WBI scales demonstrated good reliability across a broad range of the respective scales. Together with previous findings, our results suggested that hypervigilance and checking behaviours, as well as avoidance of saying or doing things that are worrisome, were the most relevant maladaptive behaviours associated with GAD, and discriminated well between adults with low, moderate and high degrees of the respective WBI scales. CONCLUSIONS: Our results support the importance of maladaptive behaviours to GAD and the utility of the WBI to index these behaviours. Ramifications for the classification, theoretical conceptualization and treatment of GAD are discussed

High precision Hf isotope measurements of MORB and OIB by thermal ionisation mass spectrometry: Insights into the depleted mantle.

The existing Hf isotope database for mid-ocean ridge basalts (MORB) is limited in both quantity and precision. Nevertheless, in Hf–Nd isotope space, MORBs show a wide variation in / over a relatively restricted range in /. The highest / ratios (?0.283355) within the MORB range are restricted to just four samples (<6.5% of total). Of these high / MORBs, three are from ridge segments adjacent to known active plumes and one is from a ridge segment for which a plume influence has been suggested. By comparison, MORBs from ‘normal' ridge segments show a more limited range in / ratios (0.283040 to 0.283311). We suggest that NMORB and the depleted MORB mantle reservoir (DMM) are characterised by a similarly limited range in / ratios. Furthermore, we suggest that the high / MORB-like basalts may ultimately be related to mantle plumes and represent melts of a depleted component entrained by the plumes before they traverse the shallow MORB mantle. We illustrate our preferred model with new hafnium isotope data on 11 MORB samples from the Atlantic and Pacific Oceans, two oceanic gabbros from the Indian Ocean (all collected away from known plume localities) and basalts associated with the Iceland and Azores plumes obtained using a new high precision thermal ionisation mass spectrometry (TIMS) technique. The new TIMS technique routinely yields beam intensities of 150–700 mV (total Hf beam of 2.8–13.5 V), allowing a routine internal precision on the measured / ratio of 0.002–0.006%, to be achieved using just 1–3 g of Hf separate. This represents a considerable improvement over the 0.008–0.056% internal precision quoted as typical for conventional single or triple filament TIMS analysis of Hf. The external reproducibility for the international Hf standard JMC 475 has also been significantly improved over conventional TIMS and is currently ~0.002%. This is comparable with the 0.003% external reproducibility currently obtained on the new Fisons Instruments Plasma 54 at the Ecole Normale Superieure de Lyon

The Mediating Relationship between Maladaptive Behaviours, Cognitive Factors, and Generalised Anxiety Disorder Symptoms

Cognitive theories of generalised anxiety disorder (GAD) posit that cognitive and behavioural factors maintain the disorder. This study examined whether avoidance and safety behaviours mediated the relationship between cognitive factors and GAD symptoms. We also examined the reverse mediation model; that is, whether cognitive factors mediated the relationship between maladaptive behaviours and GAD symptoms. Undergraduate psychology students (N = 125 and N = 292) completed the Worry Behaviours Inventory (a recently developed measure of maladaptive behaviours associated with GAD), in addition to measures of intolerance of uncertainty, cognitive avoidance, metacognitive beliefs, and symptoms of GAD and depression. Analyses supported the reliability and validity of the WBI. We consistently found that engagement in maladaptive behaviours significantly mediated the relationship between cognitive factors and symptoms of GAD. The reverse mediation model was also supported. Our results are consistent with the contention that cognitive and behavioural factors contribute to GAD symptom severity