Trade in financial services : mobile banking in Southern Africa

The report will be discussed at a policy discussion workshop that will being together a select group of policy champions from each of the focus countries to discuss appropriate incentives that encourage innovative bank and non-bank led domestic and international m-banking solutions. In this Introduction, the authors summarize the layout of the report, and then touch upon two over-arching issues that need to be taken into account in reading the report. To set the context for m-banking services in the focus countries, chapter two reviews the demand for m-banking services in Southern Africa, particularly in relation to migrant remittances and cross-border payments of trade-related transactions. This analysis is complemented by some international comparisons set out in annex C. On the supply side, chapter three briefly describes the financial and telecommunications landscape in which the development of m-banking is set. The heart of this study is the country diagnostics set out in annex A, which examine, for each country the regulatory issues that are listed in annex B. For ease of reference, the results of the country diagnostics are summarized in chapter four. The country diagnostics include a number of recommendations to overcome the constraints on the development of accessible m-banking in each country and the region, which are developed further in the draft presentation for the workshop in annex D. The main threads of the key recommendations are brought together and summarized in chapter five.Banks&Banking Reform,Emerging Markets,Access to Finance,E-Business,Remittances

Dynamics of the Intermediate-Age Elliptical LMC Cluster NGC 1978

In this paper we investigate the internal dynamics of the LMC cluster NGC 1978 through the use of Photometric (CCD images) and kinematic (stellar radial velocities) data. We apply a variety of dynamical models to this data, including multi-mass King-Michie models and rotating and non-rotating oblate spheroid models. We discuss the cluster mass-to-light ratio and place constraints on the cluster mass function.Comment: 36 pages (plus 8 figures available through anonymous FTP, see below

Resveratrol Improves Survival, Hemodynamics and Energetics in a Rat Model of Hypertension Leading to Heart Failure

Heart failure (HF) is characterized by contractile dysfunction associated with altered energy metabolism. This study was aimed at determining whether resveratrol, a polyphenol known to activate energy metabolism, could be beneficial as a metabolic therapy of HF. Survival, ventricular and vascular function as well as cardiac and skeletal muscle energy metabolism were assessed in a hypertensive model of HF, the Dahl salt-sensitive rat fed with a high-salt diet (HS-NT). Resveratrol (18 mg/kg/day; HS-RSV) was given for 8 weeks after hypertension and cardiac hypertrophy were established (which occurred 3 weeks after salt addition). Resveratrol treatment improved survival (64% in HS-RSV versus 15% in HS-NT, p<0.001), and prevented the 25% reduction in body weight in HS-NT (P<0.001). Moreover, RSV counteracted the development of cardiac dysfunction (fractional shortening −34% in HS-NT) as evaluated by echocardiography, which occurred without regression of hypertension or hypertrophy. Moreover, aortic endothelial dysfunction present in HS-NT was prevented in resveratrol-treated rats. Resveratrol treatment tended to preserve mitochondrial mass and biogenesis and completely protected mitochondrial fatty acid oxidation and PPARα (peroxisome proliferator-activated receptor α) expression. We conclude that resveratrol treatment exerts beneficial protective effects on survival, endothelium–dependent smooth muscle relaxation and cardiac contractile and mitochondrial function, suggesting that resveratrol or metabolic activators could be a relevant therapy in hypertension-induced HF

The 2020 Westmorland, California Earthquake Swarm as Aftershocks of a Slow Slip Event Sustained by Fluid Flow

Swarms are bursts of earthquakes without an obvious mainshock. Some have been observed to be associated with transient aseismic fault slip, while others are thought to be related to fluids. However, the association is rarely quantitative due to insufficient data quality. We use high-quality GPS/GNSS, InSAR, and relocated seismicity to study a swarm of &gt;2,000 earthquakes which occurred between 30 September and 6 October 2020, near Westmorland, California. Using 5 min sampled Global Positioning System (GPS) supplemented with InSAR, we document a spontaneous shallow Mw 5.2 slow slip event that preceded the swarm by 2–15 hr. The earthquakes in the early phase were predominantly non-interacting and driven primarily by the slow slip event resulting in a nonlinear expansion. A stress-driven model based on the rate-and-state friction successfully explains the overall spatial and temporal evolution of earthquakes, including the time lag between the onset of the slow slip event and the swarm. Later, a distinct back front and a square root of time expansion of clustered seismicity on en-echelon fault structures suggest that fluids helped sustain the swarm. Static stress triggering analysis using Coulomb stress and statistics of interevent times suggest that 45%–65% of seismicity was driven by the slow slip event, 10%–35% by inter-earthquake interactions, and 10%–30% by fluids. Our model also provides constraints on the friction parameter and the pore pressure and suggests that this swarm behaved like an aftershock sequence but with the mainshock replaced by the slow slip event

Star formation history of KDG 61 and KDG 64 from spectroscopy and colour-magnitude diagrams

A study of two dE/dSph members of the nearby M 81 group of galaxies, KDG 61 and UGC 5442 = KDG 64, has been made. Direct Hubble Space Telescope (HST) Advanced Camera for Surveys (ACS) images and integrated-light spectra of 6 m telescope of Special Astrophysical Observatory of Russian Academy of Sciences have been used for quantitative star formation history analysis. The spectroscopic and colour-magnitude diagrams analysis gives consistent results. These galaxies appear to be dominated by an old population (12-14 Gyr) of low metallicity ([Fe/H]~-1.5). Stars of ages about 1 to 4 Gyr have been detected in both galaxies. The later population shows marginal metal enrichment. We do not detect any significant radial gradients in age or metallicity in these galaxies. Our radial velocity measurement suggests that the HII knot on the line-of-sight of KDG 61 is not gravitationally attached to the galaxy.Comment: 16 pages, 13 figures, accepted by MNRA

Evidence of the association of BIN1 and PICALM with the AD risk in contrasting European populations

Recent genome-wide association studies have identified five loci (BIN1, CLU, CR1, EXOC3L2 and PICALM) as genetic determinants of Alzheimer’s disease (AD). We attempted to confirm the association between these genes and the AD risk in three contrasting European populations (from Finland, Italy and Spain). Since CLU and CR1 had already been analyzed in these populations, we restricted our investigation to BIN1, EXO2CL3 and PICALM. In a total of 2,816 AD cases and 2,706 controls, we unambiguously replicated the association of rs744373 (for BIN1) and rs541458 (for PICALM) polymorphisms with the AD risk (OR=1.26, 95% CI [1.15-1.38], p=2.9x10-7, and OR=0.80, 95% CI [0.74-0.88], p=4.6x10-7, respectively). In a meta-analysis, rs597668 (EXOC3L2) was also associated with the AD risk, albeit to a lesser extent (OR=1.19, 95% CI [1.06-1.32], p=2.0x10-3). However, this signal did not appear to be independent of APOE. In conclusion, we confirmed that BIN1 and PICALM are genetic determinants of AD, whereas the potential involvement of EXOC3L2 requires further investigation

The Necrotic Signal Induced by Mycophenolic Acid Overcomes Apoptosis-Resistance in Tumor Cells

The amount of inosine monophosphate dehydrogenase (IMPDH), a pivotal enzyme for the biosynthesis of the guanosine tri-phosphate (GTP), is frequently increased in tumor cells. The anti-viral agent ribavirin and the immunosuppressant mycophenolic acid (MPA) are potent inhibitors of IMPDH. We recently showed that IMPDH inhibition led to a necrotic signal requiring the activation of Cdc42.Herein, we strengthened the essential role played by this small GTPase in the necrotic signal by silencing Cdc42 and by the ectopic expression of a constitutive active mutant of Cdc42. Since resistance to apoptosis is an essential step for the tumorigenesis process, we next examined the effect of the MPA–mediated necrotic signal on different tumor cells demonstrating various mechanisms of resistance to apoptosis (Bcl2-, HSP70-, Lyn-, BCR-ABL–overexpressing cells). All tested cells remained sensitive to MPA–mediated necrotic signal. Furthermore, inhibition of IMPDH activity in Chronic Lymphocytic Leukemia cells was significantly more efficient at eliminating malignant cells than apoptotic inducers.These findings indicate that necrosis and apoptosis are split signals that share few if any common hub of signaling. In addition, the necrotic signaling pathway induced by depletion of the cellular amount of GTP/GDP would be of great interest to eliminate apoptotic-resistant tumor cells

Deciphering the epigenetic alphabet involved in transgenerational stress memory in crops

Although epigenetic modifications have been intensely investigated over the last decade due to their role in crop adaptation to rapid climate change, it is unclear which epigenetic changes are heritable and therefore transmitted to their progeny. The identification of epigenetic marks that are transmitted to the next generations is of primary importance for their use in breeding and for the development of new cultivars with a broad-spectrum of tolerance/resistance to abiotic and biotic stresses. In this review, we discuss general aspects of plant responses to environmental stresses and provide an overview of recent findings on the role of transgenerational epigenetic modifications in crops. In addition, we take the opportunity to describe the aims of EPI-CATCH, an international COST action consortium composed by researchers from 28 countries. The aim of this COST action launched in 2020 is: (1) to define standardized pipelines and methods used in the study of epigenetic mechanisms in plants, (2) update, share, and exchange findings in epigenetic responses to environmental stresses in plants, (3) develop new concepts and frontiers in plant epigenetics and epigenomics, (4) enhance dissemination, communication, and transfer of knowledge in plant epigenetics and epigenomics