Cracking the Code: An Empirical Analysis of Consumer Bankruptcy Outcomes

Chapter 13 is a cornerstone of the bankruptcy system. Its legal requirements strike a balance between the rehabilitation of debtors through keeping assets and reducing debt, and the repayment of creditors over a period of years. Despite the accolades from policymakers, the hard truth is that the majority of the half-million families each year that seek refuge in chapter 13 bankruptcy will not achieve the debt relief of a discharge. Prior research found that those who drop out of bankruptcy quickly endure the serious financial struggles that they had before bankruptcy—now even worse off for having spent thousands of dollars to seek help. Despite the profound inefficiency of chapter 13 bankruptcy, we previously did not know what differentiates those who succeed in chapter 13 from those who fail. This article is the first study to use a national random sample to predict which debtors obtain a discharge of debt. Using sophisticated statistical techniques that allow us to control for unobservable or unmeasurable effects at the local level, we identify the factors that make completing chapter 13 bankruptcy more likely. We find, among other robust effects, that blacks are more than twice as unlikely to receive debt relief than non-blacks, that those without an attorney have extremely low odds compared to those who hire an attorney, and that families with children fare worse. We also find that the local variations in bankruptcy practice that have been deemed “best practices” do not correlate with higher rates of bankruptcy completion. We discuss the implications of our findings for the millions of families who struggle to repay their debts in bankruptcy, and suggest concrete fixes to increase the efficacy of the consumer bankruptcy system. This article upsets the debate about bankruptcy reform and will help shape policy and practice in upcoming decades

Smart economics: evaluation of Australian aid support for women’s economic empowerment

This report evaluates how effective Australia has been in achieving gender equality outcomes in economic development programs. Executive summary Promoting women’s economic empowerment is ‘smart economics’. When women are fully involved in economic development, countries become more equitable and prosperous. Worldwide, there has been steady progress for women and girls in the key sectors of health and education. However, Australia—like most donors—has had limited success in achieving gender equality outcomes in economic development programs. Last financial year, approximately 25 per cent of the Australian aid budget was invested in the economic sectors, ranging from primary industry through to the production of goods and provision of services. Australian aid support for economic development is mainly concentrated on agriculture, rural development and transport. Smaller, but still significant, amounts of aid focus on energy, trade, and business and banking. Less than a third of this economic sector investment can demonstrate an explicit focus on gender equality. This is a concern, especially given Australia’s longstanding policy of ‘mainstreaming’ gender equality in its aid program

The role and impact of digital and traditional information and communication pathways in health service access and equity

This review of the literature was conducted by Flinders University (SA Community Health Research Unit and Southgate Institute for Health Society & Equity) to provide an overview of changing communications in health promotion to inform the Falls Prevention Project of Country Health SA’s Local Health Network. The context is that falls health literacy information is being increasingly made available via digital formats, including the Internet. This is in line with healthcare around the world increasingly moving to e-health (the delivery or enhancement of health services through the Internet and related technologies). There are particular expectations that for rural Australians making health services and information available through digital formats will overcome existing problems with access and availability. Despite a large amount of activity in the area of e-health, there is a scarce evidence base on the equity impacts of e-health promotion

Southgate digital equity tool

Made available with permission from author and publisher.The Southgate Digital Equity Tool has been developed to assist policy makers and practitioners in making informed decisions about the way they engage consumers in services and programs in the digital era. Initially developed for use by health organisations, the tool can be adapted for use by any organisation to guide thinking around the impact of traditional and digital communication on different client/consumer/population groups, with a focus on the impact of shifting to, or increasing, digital engagement with them. The basis for the tool is the assumption that digital engagement strategies will impact on client/consumer groups differently, with a differential impact on intended outcomes, especially on accessibililty of services, information and participation. The tool can be used to examine one strategy or a set of communication strategies which address a particular issue, a geographic area, a group or a population. Part 1 is a Workbook and Part 2 is a Guide to assist in completing the Workbook, including descriptions and examples. The digital equity tool can help you and your organisation to examine: (1) The current mix of communication and engagement modes across a certain service or issue; (2) A proposed change in this mix; (3) The impact of a change in mix retrospectively; (4) Mitigation strategies to limit negative impacts

The Effects of a Single Transcranial Direct Current Stimulation Session on Impulsivity and Risk Among a Sample of Adult Recreational Cannabis Users

Individuals with substance use disorders exhibit risk-taking behaviors, potentially leading to negative consequences and difficulty maintaining recovery. Non-invasive brain stimulation techniques such as transcranial direct current stimulation (tDCS) have yielded mixed effects on risk-taking among healthy controls. Given the importance of risk-taking behaviors among substance-using samples, this study aimed to examine the effects of tDCS on risk-taking among a sample of adults using cannabis. Using a double-blind design, 27 cannabis users [M(SD) age = 32.48 (1.99), 41% female] were randomized, receiving one session of active or sham tDCS over the bilateral dorsolateral prefrontal cortex (dlPFC). Stimulation parameters closely followed prior studies with anodal right dlPFC and cathodal left dlPFC stimulation. Risk-taking—assessed via a modified Cambridge Gambling Task—was measured before and during tDCS. Delay and probability discounting tasks were assessed before and after stimulation. No significant effects of stimulation on risk-taking behavior were found. However, participants chose the less risky option ∼86% of the trials before stimulation which potentially contributed to ceiling effects. These results contradict one prior study showing increased risk-taking among cannabis users following tDCS. There was a significant increase in delay discounting of a $1000 delayed reward during stimulation for the sham group only, but no significant effects for probability discounting. The current study adds to conflicting and inconclusive literature on tDCS and cognition among substance-using samples. In conclusion, results suggest the ineffectiveness of single session dlPFC tDCS using an established stimulation protocol on risk-taking, although ceiling effects at baseline may have also prevented behavior change following tDCS

Creation and validation of a ligation-independent cloning (LIC) retroviral vector for stable gene transduction in mammalian cells

<p>Abstract</p> <p>Background</p> <p>Cloning vectors capable of retroviral transduction have enabled stable gene overexpression in numerous mitotic cell lines. However, the relatively small number of feasible restriction enzyme sequences in their cloning sites can hinder successful generation of overexpression constructs if these sequences are also present in the target cDNA insert.</p> <p>Results</p> <p>Utilizing ligation-independent cloning (LIC) technology, we have modified the highly efficient retroviral transduction vector, pBABE, to eliminate reliance on restriction enzymes for cloning. Instead, the modified plasmid, pBLIC, utilizes random 12/13-base overhangs generated by T4 DNA polymerase 3' exonuclease activity. PCR-based introduction of the complementary sequence into any cDNA of interest enables universal cloning into pBLIC. Here we describe creation of the pBLIC plasmid, and demonstrate successful cloning and protein overexpression from three different cDNAs, Bax, catalase, and p53 through transduction into the human prostate cancer cell line, LNCaP or the human lung cancer line, H358.</p> <p>Conclusions</p> <p>Our results show that pBLIC vector retains the high transduction efficiency of the original pBABE while eliminating the requirement for checking individual cDNA inserts for internal restriction sites. Thus it comprises an effective retroviral cloning system for laboratory-scale stable gene overexpression or for high-throughput applications such as creation of retroviral cDNA libraries. To our knowledge, pBLIC is the first LIC vector for retroviral transduction-mediated stable gene expression in mammalian cells.</p

Preventing firearm injury-- a cause of death that should not exist

Firearm-related injury is a leading cause of death disproportionately affecting adolescents and young adults across the world, especially in the Americas. Little progress has been made over the past four decades, as inaction and the adoption of ineffective or unevidenced interventions have become commonplace. The COVID-19 pandemic reconfigured health systems towards prevention and harm reduction, sharpened public attention to the burden of preventable deaths, and inspired a fresh ambition of eliminating avertable deaths. In this Viewpoint, we argue that preventing firearm injury should garner bolder action in post-pandemic public health and we present a case for reducing the global burden of firearm injury supported by evidence and international examples. Crucially, we aim to guide policy making in directions that end the cycle of grief, anger, activism, deflection, and inaction and create more peaceful and fairer societies