Comprehensive indicators of spending attributes of the middle class: Impact on credit card use and retirement savings

Doctor of PhilosophyDepartment Not ListedMajor Professor Not ListedMaurice M. MacDonaldAs more organizations forego defined benefit plans, retirement savings adequacy has been a growing concern for workers who want to maintain a balanced lifestyle through their working life and into their retirement years. This dissertation examines the relationship between consumer socialization attributes, credit card usage, and retirement savings using primary data gathered through Amazon Mechanical Turk by means of previously validated scales. The specific consumer socialization outcomes assessed include advertising effectiveness, impulsive buying tendencies, self-control, conspicuous consumption, and consideration of future consequences. The primary focus was to study the mediating effect of credit card usage in the relationship between consumer socialization outcomes and retirement savings. Credit card usage was analyzed through two measures. The first measure consisted of a continuous variable of aggregate credit card balances; the second was a categorical variable with three components – (a) a null user, who is a respondent who does not own a credit card, (b) a convenience user, who is a respondent who does not maintain an ongoing monthly balance on his or her credit cards, and (c) a revolving user, who is a respondent who has maintained a revolving balance on his or her credit cards at least once in the last 12 months. These two measures of credit card spending were important features of this study since an overarching objective was to comprehensively understand the impact of credit card spending for people in the middle-class. Credit card overspending was a key consideration for the study since credit card debt may supersede seemingly less-urgent priorities, like retirement savings. Overspending could occur with both convenience and revolving users because wealth and income are finite, and as such, the money used to maintain a zero-balance credit card could thwart the ability to save for retirement. The specification of middle-class respondents is also an essential element of the study since they are uniquely positioned mathematically, based on income, to save for retirement, but they must strategically monitor all aspects of their spending to actualize the savings for retirement. This research considers how the consumer socialization agents of influence by mass media, peers, and parents (Moschis & Churchill, 1978) relate to and affect retirement savings and the mediating effect of credit card usage. Structural equation modeling (SEM) was used to analyze the relationship between the attributes of the three latent variables (mass media socialization, subjective behavioral socialization, consumer socialization), dependent variable (retirement savings), and mediating variables (credit card usage and credit card balance). Bootstrapping was used to evaluate the mediating effects of credit card usage on the relationship between consumer socialization attributes and retirement savings. Results from this study revealed that there was a statistically significant relationship between the consumer socialization latent variable and retirement savings, as well as consumer socialization and both credit card balances and credit card user type. However, the outcomes of the study demonstrated that neither credit card usage nor credit card balances was a mediating factor for retirement savings. Mediating variables were tested simultaneously and individually resulting in further support for a lack of mediating effect. Furthermore, this research revealed that, in general, participants can both save for retirement and manage credit card spending. The outcomes of this study serve as a starting point for understanding the association between consumer socialization, credit card usage, and retirement savings. This current research provides an exploratory evaluation of the role consumer socialization plays in retirement savings and credit card usage. The findings should be of most interest to financial planners, financial therapists, client psychologists, and behavioral scientists

Provision, protection or participation? Approaches to regulating children’s television in Arab countries

One notable feature of Arab broadcasting has been the belated emergence of free-to-air channels for children. Today, with children’s channels a still-expanding feature of the Arab satellite television landscape, the region is witnessing growth in the local animation industry alongside intensified competition for child audiences through imported content and a selective squeeze on state funds. In this context the policies and rationales that inform production and acquisition of children’s content remain far from transparent, beyond occasional public rhetoric about protecting children from material that ‘breaches cultural boundaries and values’ and providing programmes that revere a perceived ‘Arab-Islamic’ heritage and preserve literary forms of the Arabic language. Attempts at promoting children’s genuine participation in Arab television have been rare. Drawing on theoretical literature that links protection and participation in the sense that children’s safety depends on their agency, this paper explores emerging guidelines developed by Arab regulators, broadcasters and others in relation to television content for children

Clinical Science Unique risks for mortality in patients with end-stage renal disease undergoing nonemergent colorectal surgery

Abstract BACKGROUND: The aim of this study was to identify unique risk factors for mortality in patients with end-stage renal disease undergoing nonemergent colorectal surgery. METHODS: A multivariate logistic regression model predicting 30-day mortality was constructed for patients with end-stage renal disease undergoing nonemergent colorectal procedures. Data were obtained from the National Surgical Quality Improvement Program (2005Program ( -2010. RESULTS: Among the 394 patients analyzed, those with serum creatinine levels .7.5 mg/dL had .07 times the adjusted mortality risk of those with levels ,3.5 mg/dL. For colorectal surgery patients, the average serum creatinine level was 5.52 6 2.6 mg/dL, and mortality was 13% (n 5 50). CONCLUSIONS: High serum creatinine was associated with a lower risk for mortality in patients with end-stage renal disease, even though creatinine is often considered a risk factor for surgery. These results show how variables from a patient-centered subpopulation can differ in meaning from the general population. 4 This database is a tool that records perioperative risk factors for addressing surgical morbidity and mortality. Our objective was to use the NSQIP data to create a multivariate model to identify unique risk factors predicting mortality in patients with ESRD undergoing nonemergent colorectal procedures

Bioprospecting Finds the Toughest Biological Material: Extraordinary Silk from a Giant Riverine Orb Spider

Background Combining high strength and elasticity, spider silks are exceptionally tough, i.e., able to absorb massive kinetic energy before breaking. Spider silk is therefore a model polymer for development of high performance biomimetic fibers. There are over 41.000 described species of spiders, most spinning multiple types of silk. Thus we have available some 200.000+ unique silks that may cover an amazing breadth of material properties. To date, however, silks from only a few tens of species have been characterized, most chosen haphazardly as model organisms (Nephila) or simply from researchers' backyards. Are we limited to ‘blindly fishing’ in efforts to discover extraordinary silks? Or, could scientists use ecology to predict which species are likely to spin silks exhibiting exceptional performance properties? Methodology We examined the biomechanical properties of silk produced by the remarkable Malagasy ‘Darwin's bark spider’ (Caerostris darwini), which we predicted would produce exceptional silk based upon its amazing web. The spider constructs its giant orb web (up to 2.8 m2) suspended above streams, rivers, and lakes. It attaches the web to substrates on each riverbank by anchor threads as long as 25 meters. Dragline silk from both Caerostris webs and forcibly pulled silk, exhibits an extraordinary combination of high tensile strength and elasticity previously unknown for spider silk. The toughness of forcibly silked fibers averages 350 MJ/m3, with some samples reaching 520 MJ/m3. Thus, C. darwini silk is more than twice tougher than any previously described silk, and over 10 times better than Kevlar®. Caerostris capture spiral silk is similarly exceptionally tough. Conclusions Caerostris darwini produces the toughest known biomaterial. We hypothesize that this extraordinary toughness coevolved with the unusual ecology and web architecture of these spiders, decreasing the likelihood of bridgelines breaking and collapsing the web into the river. This hypothesis predicts that rapid change in material properties of silk co-occurred with ecological shifts within the genus, and can thus be tested by combining material science, behavioral observations, and phylogenetics. Our findings highlight the potential benefits of natural history–informed bioprospecting to discover silks, as well as other materials, with novel and exceptional properties to serve as models in biomimicry.Primary funding for this work came from the Slovenian Research Agency (grant Z1-9799-0618-07 to I. Agnarsson), the National Geographic Society (grant 8655-09 to the authors), and the National Science Foundation (grants DBI-0521261, DEB-0516038 and IOS-0745379 to T. Blackledge). Additional funding came from the European Community 6th Framework Programme (a Marie Curie International Reintegration Grant MIRG-CT-2005 036536 to M. Kuntner). The 2001 field work was supported by the Sallee Charitable Trust grant to I. Agnarsson and M. Kuntner and by a United States National Science Foundation grant (DEB-9712353) to G. Hormiga and J. A. Coddington. The funders had no role in study design, data collection and analysis, decision to publish, or preparation of the manuscript.Peer reviewe

Plasticity in Major Ampullate Silk Production in Relation to Spider Phylogeny and Ecology

Spider major ampullate silk is a high-performance biomaterial that has received much attention. However, most studies ignore plasticity in silk properties. A better understanding of silk plasticity could clarify the relative importance of chemical composition versus processing of silk dope for silk properties. It could also provide insight into how control of silk properties relates to spider ecology and silk uses

Disinfection of Ocular Cells and Tissues by Atmospheric-Pressure Cold Plasma

Background: Low temperature plasmas have been proposed in medicine as agents for tissue disinfection and have received increasing attention due to the frequency of bacterial resistance to antibiotics. This study explored whether atmospheric-pressure cold plasma (APCP) generated by a new portable device that ionizes a flow of helium gas can inactivate ocular pathogens without causing significant tissue damage. Methodology and Principal Findings: We tested the APCP effects on cultured Pseudomonas aeruginosa, Escherichia coli, Staphylococcus aureus, Candida albicans, Aspergillus fumigatus and Herpes simplex virus-1, ocular cells (conjunctival fibroblasts and keratocytes) and ex-vivo corneas. Exposure to APCP for 0.5 to 5 minutes significantly reduced microbial viability (colony-forming units) but not human cell viability (MTT assay, FACS and Tunel analysis) or the number of HSV-1 plaque-forming units. Increased levels of intracellular reactive oxygen species (ROS) in exposed microorganisms and cells were found using a FACS-activated 2',7'-dichlorofluorescein diacetate probe. Immunoassays demonstrated no induction of thymine dimers in cell cultures and corneal tissues. A transient increased expression of 8-OHdG, genes and proteins related to oxidative stress (OGG1, GPX, NFE2L2) was determined in ocular cells and corneas by HPLC, qRT-PCR and Western blot analysis. Conclusions: A short application of APCP appears to be an efficient and rapid ocular disinfectant for bacteria and fungi without significant damage on ocular cells and tissues, although the treatment of conjunctival fibroblasts and keratocytes caused a time-restricted generation of intracellular ROS and oxidative stress-related responses

How Did the Spider Cross the River? Behavioral Adaptations for River-Bridging Webs in Caerostris darwini (Araneae: Araneidae)

Interspecific coevolution is well described, but we know significantly less about how multiple traits coevolve within a species, particularly between behavioral traits and biomechanical properties of animals' "extended phenotypes". In orb weaving spiders, coevolution of spider behavior with ecological and physical traits of their webs is expected. Darwin's bark spider (Caerostris darwini) bridges large water bodies, building the largest known orb webs utilizing the toughest known silk. Here, we examine C. darwini web building behaviors to establish how bridge lines are formed over water. We also test the prediction that this spider's unique web ecology and architecture coevolved with new web building behaviors.We observed C. darwini in its natural habitat and filmed web building. We observed 90 web building events, and compared web building behaviors to other species of orb web spiders.Caerostris darwini uses a unique set of behaviors, some unknown in other spiders, to construct its enormous webs. First, the spiders release unusually large amounts of bridging silk into the air, which is then carried downwind, across the water body, establishing bridge lines. Second, the spiders perform almost no web site exploration. Third, they construct the orb capture area below the initial bridge line. In contrast to all known orb-weavers, the web hub is therefore not part of the initial bridge line but is instead built de novo. Fourth, the orb contains two types of radial threads, with those in the upper half of the web doubled. These unique behaviors result in a giant, yet rather simplified web. Our results continue to build evidence for the coevolution of behavioral (web building), ecological (web microhabitat) and biomaterial (silk biomechanics) traits that combined allow C. darwini to occupy a unique niche among spiders

Embryology and bony malformations of the craniovertebral junction

BACKGROUND: The embryology of the bony craniovertebral junction (CVJ) is reviewed with the purpose of explaining the genesis and unusual configurations of the numerous congenital malformations in this region. Functionally, the bony CVJ can be divided into a central pillar consisting of the basiocciput and dental pivot and a two-tiered ring revolving round the central pivot, comprising the foramen magnum rim and occipital condyles above and the atlantal ring below. Embryologically, the central pillar and the surrounding rings descend from different primordia, and accordingly, developmental anomalies at the CVJ can also be segregated into those affecting the central pillar and those affecting the surrounding rings, respectively. DISCUSSION: A logical classification of this seemingly unwieldy group of malformations is thus possible based on their ontogenetic lineage, morbid anatomy, and clinical relevance. Representative examples of the main constituents of this classification scheme are given, and their surgical treatments are selectively discussed

The DUNE Far Detector Interim Design Report, Volume 3: Dual-Phase Module

The DUNE IDR describes the proposed physics program and technical designs of the DUNE far detector modules in preparation for the full TDR to be published in 2019. It is intended as an intermediate milestone on the path to a full TDR, justifying the technical choices that flow down from the high-level physics goals through requirements at all levels of the Project. These design choices will enable the DUNE experiment to make the ground-breaking discoveries that will help to answer fundamental physics questions. Volume 3 describes the dual-phase module's subsystems, the technical coordination required for its design, construction, installation, and integration, and its organizational structure