How Do Emotions Influence Saving Behavior

Employers have moved away from traditional defined benefit pension plans to defined contribution plans such as 401(k)s. As a result, many individuals are now required to make their own retirement saving and investment decisions, which has raised concerns about their ability and desire to handle these decisions. Since investment choices have major implications for future financial welfare, it is important to understand how individuals make these decisions and to identify potential ways to improve the decision-making process. Researchers have explored various factors affecting retirement saving, such as income, age, job tenure, self-control failure, financial literacy and trust. No prior research, however, has looked at the effects of emotions on retirement savings. This Issue in Brief examines how two different emotions – hope and hopefulness – affect 401(k) participation and asset allocation. The first section defines the terms. The second section describes the structure of a recent field experiment. The third section summarizes the results, which reveal that having high hope (i.e. yearning) – for a secure retirement leads to different investment behaviors than having high hopefulness (i.e. perceived likelihood). Furthermore, threats to hope and threats to hopefulness are found to have different effects on 401(k) participation and investment decisions. The final section concludes.

Screen-printable silver nanoparticulate-based inks for the electrocatalysis of hydrogen peroxide

The detection of hydrogen peroxide has been shown to be very important in recent years due to its relevant role in many industrial applications as well as biological reactions. We are interested in it as a quantitative marker for oxidase-based biosensor applications where it is produced when substrate (e.g., glucose, cholesterol) is catalysed by its respective oxidase enzyme. Previously, a commercial silver flake-based screen-printing ink (PF-410, Acheson®), when treated with surfactant and salt (dodecylbenzenesulfonic acid (DBSA) and KCl) has shown to significantly enhance the electrochemical reduction of hydrogen peroxide up to 80-fold over non-treated inks. In this study, the silver morphology, size and silver supplier is investigated for its effect on the electrocatalysis of hydrogen peroxide. In order to do this, inks loaded with silver micron-sized flakes and silver nanopowders, from various suppliers, are prepared using the binder material extracted from the Acheson® PF-410 to formulate inks

Elucidation of the mode of action of a conductive polymer-based electrochemical immunosensor.

An amperometric biosensor has been developed, incorporating the electroactive polymer, polyaniline (PANI), which undergoes redox cycling, and can couple electrons directly from the enzyme active site, to the electrode surface. Construction of this sensor was achieved by electropolymerisation of polyvinylsulphonate-doped aniline onto the surface of a screen-printed carbon-paste electrode. Biomolecules could then be doped onto the surface of the polymer by electrostatic interactions with the polymer backbone. A key component in a biosensor is the recognition molecule and its immobilisation. This study investigates this process of protein immobilisation using amperometric and colorimetric techniques. Immobilisation of protein (enzyme or antibody) onto the transducer is achieved by electrostatic interactions. By applying bovine serum albumin (BSA) electrostatically at the electrode, efficient blocking of the electrode surface from the bulk solution was achieved above approximately 0.75 mg/ml. When horseradish peroxidase was immobilised on the electrode surface at various concentrations, optimal amperometric responses were achieved at approximately the same protein concentration. Determination of the number of molecules of protein immobilised on the surface of the electrode at this concentration was done using a colorimetric enzyme assay. It was found that under optimal immobilisation conditions, a protein monolayer was formed at the electrode surface. In the case of enzymes such as horseradish peroxidase (HRP), this provides simultaneous blocking of the electrode surface from bulk solution interactions as well as yielding optimal electron transfer properties

Immunoelectrochemical methods immunoelectrochemical of hormone anaylsis

Over the last decade, there has been considerable interest in the development of immunoelectrochemical assays, mainly due to the advantages offered by the combination of the selectivity of immunoassays with the great sensitivity and simplicity of modern electroanalytical techniques. However, immunoelectrochemical assays have not yet been exploited commercially, as transitions from the laboratory bench to large-scale manufacturing has proved difficult. The system described is an amperometric peroxide biosensor prepared by electrochemical deposition of horseradish peroxidase on an electroactive polymer, polyaniline. Polyaniline brings about mediatorless redox coupling between the electrode and biomolecular components attached to the surface. This assay will be the stepping-stone to developing an immunoelectrochemical method for the analysis of human chorionic gonadotropin (hCG), and other female hormones. The assay initially utilises glassy carbon electrodes for preliminary data, before being replaced with a commercially available electrode Euroflash TM, produced by Inverness Medical Limited TM. This electrode was utilised with a view to producing an electrochemical assay that complies with manufacturing requirements

Charmonium spectral functions in Nf=2 QCD

We report on a study of charmonium at high temperature in 2-flavour QCD. This is the first such study with dynamical fermions. Using an improved anisotropic lattice action, spectral functions are extracted from correlators in the vector and pseudoscalar channels. No signs of medium-induced suppression of the ground states are seen for temperatures up to 1.5T_c, while at T~2T_c there are clear signs of modifications. The current systematic and statistical uncertainties in our data, in particular the relatively coarse lattice and small volume, do not allow us to draw a firm conclusion at this stage.Comment: 6 pages, talk by JIS at Lattice 2005 (Non-zero temperature and density

Enhancement of a conducting polymer-based biosensor using carbon nanotube-doped polyaniline.

A biosensor with improved performance was developed through the immobilization of horseradish peroxidase (HRP) onto electropolymerized polyaniline (PANI) films doped with carbon nanotubes (CNTs). The effects of electropolymerization cycle and CNT concentration on the response of the biosensor toward H2O2 were investigated. It was found that the integration of CNTs into the biosensor system could increase the amount and stability of immobilized enzyme, and greatly enhance the biosensor response. Compared with the biosensor fabricated without CNTs, the proposed biosensor exhibited enhanced stability and approximately eight-fold higher sensitivity. A linear range from 0.2 to 19μM for the detection of H2O2 was observed, with a detection limit of 68 nM at a signal-to-noise ratio of 3 and a response time of less than 5s

Towards understanding a distinct hydrogen peroxide electrocatalytic enhancement using surfactant-based coatings on silver

The detection of hydrogen peroxide has been shown to be very important in recent years due to its relevant role in many industrial applications as well as biological reactions. We are interested in it as a quantitative marker for oxidase-based biosensor applications where it is produced when substrate (e.g., glucose, cholesterol) is catalysed by its respective oxidase enzyme. Previously, a commercial silver flake-based screen-printing ink (PF-410, Acheson®), when coated with surfactant and salt (dodecylbenzenesulfonic acid (DBSA) and KCl) has shown to significantly enhance the electrochemical reduction of hydrogen peroxide - up to 80-fold over non-treated inks. In this study, the silver morphology, presence of dispersant and silver supplier is investigated for their effects on the electrocatalysis of hydrogen peroxide. In order to do this, inks loaded with silver micron-sized flakes and silver nanopowders, from various suppliers, are prepared using the binder material extracted from the Acheson® PF-410 to formulate inks

Electrochemistry and application of a novel monosubstituted squarate electron-transfer mediator in a glucose oxidase-doped poly(phenol) sensor

Electrosynthetic poly(phenol) nanofilms were deposited in situ on platinum electrodes in the presence and absence of glucose oxidase. The synthesis charges and currents of the nonconducting polymer films were recorded at various applied potentials for films grown from 25–100 mM phenol concentrations. Film parameters such as the standard rate constant for film deposition, film thickness, and surface concentration of the poly(phenol) films were evaluated from the cyclic and step voltammograms of the polymerization process. A novel electron-transfer mediator consisting of monosubstituted 4-hydroxycyclobut-3-ene-1,2-dione (squarate) was used as a mediator for Pt/poly(phenol) nano-film/GOx amperometric glucose biosensors. Amperometric responses for 3-diphenylamino-4-hydroxycyclobut-3-ene-1,2- dione (diphenylaminosquarate: E°′ = of +328 mV/Ag-AgCl at pH 7.0)-mediated systems were measured by both steady-state amperometric and cyclic voltammetry. The sensor sensitivity was calculated to be 558 nA cm –2 (µM) –1

Charmonium at high temperature in two-flavor QCD

We compute charmonium spectral functions in 2-flavor QCD on anisotropic lattices using the maximum entropy method. Our results suggest that the S-waves (J/psi and eta_c) survive up to temperatures close to 2Tc, while the P-waves (chi_c0 and chi_c1) melt away below 1.2Tc.Comment: 11 pages, 19 figures. v2: expanded discussion and modified conclusions. One figure changed. To appear in PR