Approaching European Supervisory Risk Assessment with SupTech: A Proposal of an Early Warning System

Guerra, P., Castelli, M., & Côrte-Real, N. (2022). Approaching European Supervisory Risk Assessment with SupTech: A Proposal of an Early Warning System. Risks, 10(4), 1-23. [71]. https://doi.org/10.3390/risks10040071Risk analysis and scenario testing are two of the core activities carried out by economists at central banks. With the increasing adoption of machine learning to enhance decision-support systems, and the amount of collected data spiking, institutions provide countless use-cases for the application of these innovative technologies. Consequently, in recent years, the term sup-tech has entered the financial jargon and is here to stay. In this paper, we address risk assessment from a central bank’s perspective. The uptrending number of involved banks and institutions raises the necessity of a standardised risk methodology. For that reason, we adopted the Risk Assessment Methodology (RAS), the quantitative pillar from the Supervisory Review and Evaluation Process (SREP). Based on real-world supervisory data from the Portuguese banking sector, from March 2014 until August 2021, we successfully model the supervisory risk assessment process, in its quantitative approach by the RAS. Our findings and the resulting model are proposed as an Early Warning System that can support supervisors in their day-to-day tasks, as well as within the SREP process.publishersversionpublishe

Accuracy of UAV Photogrammetry in Glacial and Periglacial Alpine Terrain: A Comparison With Airborne and Terrestrial Datasets

Unoccupied Aerial Vehicles (UAVs) equipped with optical instruments are increasingly deployed in high mountain environments to investigate and monitor glacial and periglacial processes. The comparison and fusion of UAV data with airborne and terrestrial data offers the opportunity to analyse spatio-temporal changes in the mountains and to upscale findings from local UAV surveys to larger areas. However, due to the lack of gridded high-resolution data in alpine terrain, the specific challenges and uncertainties associated with the comparison and fusion of multi-temporal data from different platforms in this environment are not well known. Here we make use of UAV, airborne, and terrestrial data from four (peri)glacial alpine study sites with different topographic settings. The aim is to assess the accuracy of UAV photogrammetric products in complex terrain, to point out differences to other products, and to discuss best practices regarding the fusion of multi-temporal data. The surface geometry and characteristic geomorphological features of the four alpine sites are well captured by the UAV data, but the positional accuracies vary greatly. They range from 15 cm (root-mean-square error) for the smallest survey area (0.2 km2) with a high ground control point (GCP) density (40 GCPs km−2) to 135 cm for the largest survey area (>2.5 km2) with a lower GCP density (<10 GCPs km−2). Besides a small number and uneven distribution of GCPs, a low contrast, and insufficient lateral image overlap (<50–70%) seem to be the main causes for the distortions and artefacts found in the UAV data. Deficiencies both in the UAV and airborne data are the reason for horizontal deviations observed between the datasets. In steep terrain, horizontal deviations of a few decimetres may result in surface elevation change errors of several metres. An accurate co-registration and evaluation of multi-temporal UAV, airborne, and terrestrial data using tie points in stable terrain is therefore of utmost importance when it comes to the investigation of surface displacements and elevation changes in the mountains. To enhance the accuracy and quality of UAV photogrammetry, the use of UAVs equipped with multi-spectral cameras and high-precision positioning systems is recommended, especially in rugged terrain and snow-covered areas

Molecular divergence and evolutionary relationships among Aemodogryllinae from Southern China, Laos and Thailand (Orthoptera, Rhaphidophoridae)

In this study we screened for sequence polymorphisms at one mitochondrial (Cytochrome Oxidase subunit I) and one nuclear (Internal Transcribed Spacer 1) gene 33 populations of the cave cricket genera Diestrammena, Paradiestrammena, Eutachycines and Paratachycines from Southern China (three Provinces: Jiangxi, Guangdong and Guizhou), Laos and Thailand. Twenty-five of these populations were assigned to the genus Diestrammena, subgenus Gymnaeta, while the remaining eight belonged to the genera Paradiestrammena (3), Eutachycines (3) and Paratachycines (2). The degree of troglomorphosis varies among them; some populations are blind and depigmented, some have fully developed eyes, while some others show intermediate characteristics. Phylogenetic searches carried out on the two gene partitions separately revealed multiple cases of incongruence but only three of them were statistically significant and were hence removed from the subsequent analyses based on the combined data set. Our data do not support Diestrammena as monophyletic while representatives of Paradiestrammena, Eutachycines and Paratachycines were clustered together; the validity of some nominal species was confirmed molecularly but we also revealed a large number of deeply divergent lineages. Populations with the same degree of troglomorphosis do not cluster together. We identified five major clades; divergence among them (and in a few circumstances also within them) is always higher than the DNA barcode threshold for intraspecific comparisons in insects. In two circumstances, the same clades (III and V) are co-distributed in geographically distinct areas (Provinces). This geographical distribution might be explained by envisioning an evolutionary scenario based on zones of secondary admixture following epigean dispersal among lineages that diverged in allopatry

Exploring the Role of Retailer Image and Store Brands As Extrinsic Cues

This exploratory study conducted in the developing context of South Africa describes the role of extrinsic cues relating to the retailer&apos;s image and store brand in young urban consumers&apos; choice of interior textile products. In adopting a phenomological approach, rich descriptive data reveals the significance of store atmosphere, price and quality perceptions, product selections and value added services as extrinsic cues. The study also provides clarity on the symbolic expressive roles of retail store brands and illustrates the importance of reference groups as basis for retail brand associations. [to cite]: Nadine Sonnenberg and Alet Erasmus http://www.acrwebsite.org/volumes/14094/la/v2_pdf/LA-02 [copyright notice]: This work is copyrighted by The Association for Consumer Research. For permission to copy or use this work in whole or in part, please contact the Copyright Clearance Center at http://www.copyright.com/. 71 Latin American Advances in Consumer Research Volume 2, © 2008 Exploring the Role of Retailer Image and Store Brands as Extrinsic Cues in Young Urban Consumers&apos; Choice of Interior Textile Products Nadine C. Sonnenberg, University of Pretoria, Republic of South Africa Alet C. Erasmus, University of Pretoria, Republic of South Africa ABSTRACT This exploratory study conducted in the developing context of South Africa describes the role of extrinsic cues relating to the retailer&apos;s image and store brand in young urban consumers&apos; choice of interior textile products. In adopting a phenomenological approach, rich descriptive data reveals the significance of store atmosphere, price and quality perceptions, product selections and value added services as extrinsic cues. The study also provides clarity on the symbolic expressive roles of retail store brands and illustrates the importance of reference groups as basis for retail brand associations

Accuracy of UAV Photogrammetry in Glacial and Periglacial Alpine Terrain: A Comparison With Airborne and Terrestrial Datasets

Unoccupied Aerial Vehicles (UAVs) equipped with optical instruments are increasingly deployed in high mountain environments to investigate and monitor glacial and periglacial processes. The comparison and fusion of UAV data with airborne and terrestrial data offers the opportunity to analyse spatio-temporal changes in the mountains and to upscale findings from local UAV surveys to larger areas. However, due to the lack of gridded high-resolution data in alpine terrain, the specific challenges and uncertainties associated with the comparison and fusion of multi-temporal data from different platforms in this environment are not well known. Here we make use of UAV, airborne, and terrestrial data from four (peri)glacial alpine study sites with different topographic settings. The aim is to assess the accuracy of UAV photogrammetric products in complex terrain, to point out differences to other products, and to discuss best practices regarding the fusion of multi-temporal data. The surface geometry and characteristic geomorphological features of the four alpine sites are well captured by the UAV data, but the positional accuracies vary greatly. They range from 15 cm (root-mean-square error) for the smallest survey area (0.2 km2) with a high ground control point (GCP) density (40 GCPs km−2) to 135 cm for the largest survey area (&gt;2.5 km2) with a lower GCP density (&lt;10 GCPs km−2). Besides a small number and uneven distribution of GCPs, a low contrast, and insufficient lateral image overlap (&lt;50–70%) seem to be the main causes for the distortions and artefacts found in the UAV data. Deficiencies both in the UAV and airborne data are the reason for horizontal deviations observed between the datasets. In steep terrain, horizontal deviations of a few decimetres may result in surface elevation change errors of several metres. An accurate co-registration and evaluation of multi-temporal UAV, airborne, and terrestrial data using tie points in stable terrain is therefore of utmost importance when it comes to the investigation of surface displacements and elevation changes in the mountains. To enhance the accuracy and quality of UAV photogrammetry, the use of UAVs equipped with multi-spectral cameras and high-precision positioning systems is recommended, especially in rugged terrain and snow-covered areas

FOXC2 and fluid shear stress stabilize postnatal lymphatic vasculature.

Biomechanical forces, such as fluid shear stress, govern multiple aspects of endothelial cell biology. In blood vessels, disturbed flow is associated with vascular diseases, such as atherosclerosis, and promotes endothelial cell proliferation and apoptosis. Here, we identified an important role for disturbed flow in lymphatic vessels, in which it cooperates with the transcription factor FOXC2 to ensure lifelong stability of the lymphatic vasculature. In cultured lymphatic endothelial cells, FOXC2 inactivation conferred abnormal shear stress sensing, promoting junction disassembly and entry into the cell cycle. Loss of FOXC2-dependent quiescence was mediated by the Hippo pathway transcriptional coactivator TAZ and, ultimately, led to cell death. In murine models, inducible deletion of Foxc2 within the lymphatic vasculature led to cell-cell junction defects, regression of valves, and focal vascular lumen collapse, which triggered generalized lymphatic vascular dysfunction and lethality. Together, our work describes a fundamental mechanism by which FOXC2 and oscillatory shear stress maintain lymphatic endothelial cell quiescence through intercellular junction and cytoskeleton stabilization and provides an essential link between biomechanical forces and endothelial cell identity that is necessary for postnatal vessel homeostasis. As FOXC2 is mutated in lymphedema-distichiasis syndrome, our data also underscore the role of impaired mechanotransduction in the pathology of this hereditary human disease

Update of the international HerniaSurge guidelines for groin hernia management

Background: Groin hernia repair is one of the most common operations performed globally, with more than 20 million procedures per year. The last guidelines on groin hernia management were published in 2018 by the HerniaSurge Group. The aim of this project was to assess new evidence and update the guidelines. The guideline is intended for general and abdominal wall surgeons treating adult patients with groin hernias. Method: A working group of 30 international groin hernia experts and all involved stakeholders was formed and examined all new literature on groin hernia management, available until April 2022. Articles were screened for eligibility and assessed according to GRADE methodologies. New evidence was included, and chapters were rewritten. Statements and recommendations were updated or newly formulated as necessary. Results: Ten chapters of the original HerniaSurge inguinal hernia guidelines were updated. In total, 39 new statements and 32 recommendations were formulated (16 strong recommendations). A modified Delphi method was used to reach consensus on all statements and recommendations among the groin hernia experts and at the European Hernia Society meeting in Manchester on October 21, 2022. Conclusion: The HerniaSurge Collaboration has updated the international guidelines for groin hernia management. The updated guidelines provide an overview of the best available evidence on groin hernia management and include evidence-based statements and recommendations for daily practice. Future guideline development will change according to emerging guideline methodology

The state of the Martian climate

60°N was +2.0°C, relative to the 1981–2010 average value (Fig. 5.1). This marks a new high for the record. The average annual surface air temperature (SAT) anomaly for 2016 for land stations north of starting in 1900, and is a significant increase over the previous highest value of +1.2°C, which was observed in 2007, 2011, and 2015. Average global annual temperatures also showed record values in 2015 and 2016. Currently, the Arctic is warming at more than twice the rate of lower latitudes

RIP4 inhibits STAT3 signaling to sustain lung adenocarcinoma differentiation.

Loss of epithelial differentiation and extracellular matrix (ECM) remodeling are known to facilitate cancer progression and are associated with poor prognosis in patients with lung cancer. We have identified Receptor-interacting serine/threonine protein kinase 4 (RIP4) as a regulator of tumor differentiation in lung adenocarcinoma (AC). Bioinformatics analyses of human lung AC samples showed that poorly differentiated tumors express low levels of RIP4, whereas high levels are associated with better overall survival. In vitro, lung tumor cells expressing reduced RIP4 levels showed enhanced activation of STAT3 signaling and had a greater ability to invade through collagen. In contrast, overexpression of RIP4 inhibited STAT3 activation, which abrogated interleukin-6-dependent induction of lysyl oxidase, a collagen cross-linking enzyme. In an autochthonous mouse model of lung AC initiated by Kras(G12D) expression with loss of p53, Rip4 knockdown tumors progressed to a poorly differentiated state marked by an increase in Hmga2, reduced Ttf1, and enrichment of genes regulating extracellular remodeling and Jak-Stat signaling. Tail vein injections of cells overexpressing Rip4 showed a reduced potential to invade and form tumors, which was restored by co-expression of Stat3. Altogether, our work has identified that loss of RIP4 enhances STAT3 signaling in lung cancer cells, promoting the expression of ECM remodeling genes and cancer dedifferentiation

FOXC2 controls formation and maturation of lymphatic collecting vessels through cooperation with NFATc1

The mechanisms of blood vessel maturation into distinct parts of the blood vasculature such as arteries, veins, and capillaries have been the subject of intense investigation over recent years. In contrast, our knowledge of lymphatic vessel maturation is still fragmentary. In this study, we provide a molecular and morphological characterization of the major steps in the maturation of the primary lymphatic capillary plexus into collecting lymphatic vessels during development and show that forkhead transcription factor Foxc2 controls this process. We further identify transcription factor NFATc1 as a novel regulator of lymphatic development and describe a previously unsuspected link between NFATc1 and Foxc2 in the regulation of lymphatic maturation. We also provide a genome-wide map of FOXC2-binding sites in lymphatic endothelial cells, identify a novel consensus FOXC2 sequence, and show that NFATc1 physically interacts with FOXC2-binding enhancers. As damage to collecting vessels is a major cause of lymphatic dysfunction in humans, our results suggest that FOXC2 and NFATc1 are potential targets for therapeutic intervention