Consumer credit information systems: A critical review of the literature. Too little attention paid by lawyers?

This paper reviews the existing literature on consumer credit reporting, the most extensively used instrument to overcome information asymmetry and adverse selection problems in credit markets. Despite the copious literature in economics and some research in regulatory policy, the legal community has paid almost no attention to the legal framework of consumer credit information systems, especially within the context of the European Union. Studies on the topic, however, seem particularly relevant in view of the establishment of a single market for consumer credit. This article ultimately calls for further legal research to address consumer protection concerns and inform future legislation

Energy dependence of cumulative suprathermal and energetic particle fluence plots

Suprathermal and energetic particle flux variability can be statistically characterized in a number of ways. As time histories of flux integrals (cumulative fluences) are relevant both for practical reasons (radiation effects) and for a better understanding of the production and propagation processes, simple quantitative methods are of some interest. Previous studies (e.g. Mewaldt et al., 2001)[1] showed that the character of cumulative fluence plots changed substantially with energy. While at several MeV/nuc a few solar particle events predominate, at much lower energies similar contributions from many separate events of various origins were found. We shall now use a simple parametric method for comparisons, and mention some other possibilities. As in the Kolmogorov hypothesis test, the maximum vertical distance of normalized cumulative plots from the straight line valid for a constant flux will be shown to be useful. Small values of that parameter (called K here for Kolmogorov) indicate variation in many small steps, while large K-values correspond to the dominance of a small number of large events. Below a few MeV/nuc K-parameters will be shown to decrease with decreasing energies. Extrapolations to small energies will be mainly discussed

Balance-of-Powers Arguments and the Structural Constitution

Balance-of-powers arguments are ubiquitous in judicial opinions and academic articles that address separation-of-powers disputes over the president\u27s removal authority, power to disregard statutes, authority to conduct foreign wars, and much else. However, the concept of the balance of powers has never received a satisfactory theoretical treatment. This Essay examines possible theories of the balance of powers and rejects them all as unworkable and normatively questionable. Judges and scholars should abandon the balance-of-powers metaphor and instead address directly whether bureaucratic innovation is likely to improve policy outcomes

Distinctive phosphoinositide- and Ca²⁺-binding properties of normal and cognitive performance–linked variant forms of KIBRA C2 domain

Kidney- and brain-expressed protein (KIBRA), a multifunctional scaffold protein with around 20 known binding partners, is involved in memory and cognition, organ size control via the Hippo pathway, cell polarity, and membrane trafficking. KIBRA includes tandem N-terminal WW domains, a C2 domain, and motifs for binding atypical PKC and PDZ domains. A naturally occurring human KIBRA variant involving residue changes at positions 734 (Met-to-Ile) and 735 (Ser-to-Ala) within the C2 domain affects cognitive performance. We have elucidated 3D structures and calcium- and phosphoinositide-binding properties of human KIBRA C2 domain. Both WT and variant C2 adopt a canonical type I topology C2 domain fold. Neither Ca²⁺ nor any other metal ion was bound to WT or variant KIBRA C2 in crystal structures, and Ca²⁺ titration produced no significant reproducible changes in NMR spectra. NMR and X-ray diffraction data indicate that KIBRA C2 binds phosphoinositides via an atypical site involving β-strands 5, 2, 1, and 8. Molecular dynamics simulations indicate that KIBRA C2 interacts with membranes via primary and secondary sites on the same domain face as the experimentally identified phosphoinositide-binding site. Our results indicate that KIBRA C2 domain association with membranes is calcium-independent and involves distinctive C2 domain–membrane relative orientations.

First DNA barcode reference library for the identification of South American freshwater fish from the lower Paraná river

Valid fish species identification is essential for biodiversity conservation and fisheries management. Here, we provide a sequence reference library based on mitochondrial cytochrome c oxidase subunit I for a valid identification of 79 freshwater fish species from the Lower Paraná River. Neighbour-joining analysis based on K2P genetic distances formed non-overlapping clusters for almost all species with a ≥99% bootstrap support each. Identification was successful for 97.8% of species as the minimum genetic distance to the nearest neighbour exceeded the maximum intraspecific distance in all these cases. A barcoding gap of 2.5% was apparent for the whole data set with the exception of four cases. Withinspecies distances ranged from 0.00% to 7.59%, while interspecific distances varied between 4.06% and 19.98%, without considering Odontesthes species with a minimum genetic distance of 0%. Sequence library validation was performed by applying BOLDs BIN analysis tool, Poisson Tree Processes model and Automatic Barcode Gap Discovery, along with a reliable taxonomic assignment by experts. Exhaustive revision of vouchers was performed when a conflicting assignment was detected after sequence analysis and BIN discordance evaluation. Thus, the sequence library presented here can be confidently used as a benchmark for identification of half of the fish species recorded for the Lower Paraná River.Instituto de Limnología "Dr. Raul A. Ringuelet

Attentional bias for threat: Evidence for delayed disengagement from emotional faces

The present paper reports three new experiments suggesting that the valence of a face cue can influence attentional effects in a cueing paradigm. Moreover, heightened trait anxiety resulted in increased attentional dwell-time on emotional facial stimuli, relative to neutral faces. Experiment 1 presented a cueing task, in which the cue was either an "angry", "happy", or "neutral" facial expression. Targets could appear either in the same location as the face (valid trials) or in a different location to the face (invalid trials). Participants did not show significant variations across the different cue types (angry, happy, neutral) in responding to a target on valid trials. However, the valence of the face did affect response times on invalid trials. Specifically, participants took longer to respond to a target when the face cue was "angry" or "happy" relative to neutral. In Experiment 2, the cue-target stimulus onset asynchrony (SOA) was increased and an overall inhibition of return (IOR) effect was found (i.e., slower responses on valid trials). However, the "angry" face cue eliminated the IOR effect for both high and low trait anxious groups. In Experiment 3, threat-related and jumbled facial stimuli reduced the magnitude of IOR for high, but not for low, trait-anxious participants. These results suggest that: (i) attentional bias in anxiety may reflect a difficulty in disengaging from threat-related and emotional stimuli, and (ii) threat-related and ambiguous cues can influence the magnitude of the IOR effect

The NeuroDante Project: Neurometric measurements of participant’s reaction to literary auditory stimuli from dante’s “divina commedia”

Neurodante. Progetto di analisi neurometrica di alcuni brani della Commedi

Improving Fatigue Resistance of Dihydropyrene by Encapsulation within a Coordination Cage

Photochromic molecules undergo reversible isomerization upon irradiation with light at different wavelengths, a process that can alter their physical and chemical properties. For instance, dihydropyrene (DHP) is a deep-colored compound that isomerizes to light-brown cyclophanediene (CPD) upon irradiation with visible light. CPD can then isomerize back to DHP upon irradiation with UV light or thermally in the dark. Conversion between DHP and CPD is thought to proceed via a biradical intermediate; bimolecular events involving this unstable intermediate thus result in rapid decomposition and poor cycling performance. Here, we show that the reversible isomerization of DHP can be stabilized upon confinement within a PdII6L4 coordination cage. By protecting this reactive intermediate using the cage, each isomerization reaction proceeds to higher yield, which significantly decreases the fatigue experienced by the system upon repeated photocycling. Although molecular confinement is known to help stabilize reactive species, this effect is not typically employed to protect reactive intermediates and thus improve reaction yields. We envisage that performing reactions under confinement will not only improve the cyclic performance of photochromic molecules, but may also increase the amount of product obtainable from traditionally low-yielding organic reactions