A Multiple Criteria Framework to Evaluate Bank Branch Potential Attractiveness

Remarkable progress has occurred over the years in the performance evaluation of bank branches. Even though financial measures are usually considered the most important in assessing branch viability, we posit that insufficient attention has been given to other factors that affect the branches’ potential profitability and attractiveness. Based on the integrated used of cognitive maps and MCDA techniques, we propose a framework that adds value to the way that potential attractiveness criteria to assess bank branches are selected and to the way that the trade-offs between those criteria are obtained. This framework is the result of a process involving several directors from the five largest banks operating in Portugal, and follows a constructivist approach. Our findings suggest that the use of cognitive maps systematically identifies previously omitted criteria that may assess potential attractiveness. The use of MCDA techniques may clarify and add transparency to the way trade-offs are dealt with. Advantages and disadvantages of the proposed framework are also discussed.

How to create indices for bank branch financial performance measurement using MCDA techniques: an illustrative example

Most banks have been negatively affected by the recent economic recession, which has forced them to evaluate their operating performance including the financial performance of bank branches. Approaches that have been applied to address the financial performance evaluation of bank branches include: optimization techniques, simulations, stochastic tools, fuzzy logics and decision support systems. Although recent improvements have been made in assessing financial performance, the potential for significant further improvement remains since the recent world economic crisis is adding pressure on business margins. The purpose of this paper is to construct an exemplificative evaluation index for bank branch financial performance by integrating cognitive maps with measuring attractiveness by a categorical based evaluation technique. We aim to apply this methodology constructively to serve as a learning mechanism and introduce transparency in the decision making process. Practical applications, strengths and weaknesses of the proposed evaluation index are also discussed

Lack of in vivo blockade of Fas- and TNFR1-mediated hepatocyte apoptosis by the hepatitis C virus.

In vitro data have shown that the hepatitis C virus (HCV) core protein binds to protein members of the tumour necrosis factor receptor (TNFR) superfamily. Since this interaction could be relevant to HCV persistence and oncogenesis, this study assessed whether HCV may interfere with the apoptotic cascade in vivo. Apoptosis (by TUNEL) and Fas and TNFR1 expression (by immunohistochemistry) were scored in the liver of 60 chronic hepatitis C patients. Results were compared with the liver disease grading and staging scores and the HCV replication level in serum and liver. Apoptotic hepatocytes were stained in 29 cases. Fas was expressed in 35 cases and TNFR1 in 21, 15 patients (25%) being negative for both receptors. Overall, the numbers of TUNEL-, Fas- and TNFR-positive hepatocytes did not correlate with the extent of intrahepatic CD8+ T-lymphocyte infiltration, the grading and staging of liver disease, or the serum or liver HCV RNA levels. Furthermore, when patients expressing either Fas or TNFR1 were stratified according to serum HCV RNA levels, cases with detectable hepatocyte apoptosis had higher HCV viraemias. In conclusion, an HCV-mediated, in vivo blockade of hepatocyte apoptosis via the Fas- or TNFR1-dependent pathways seems unlikely

Proteomic analysis of interchromatin granule clusters

A variety of proteins involved in gene expression have been localized within mammalian cell nuclei in a speckled distribution that predominantly corresponds to interchromatin granule clusters (IGCs). We have applied a mass spectrometry strategy to identify the protein composition of this nuclear organelle purified from mouse liver nuclei. Using this approach, we have identified 146 proteins, many of which had already been shown to be localized to IGCs, or their functions are common to other already identified IGC proteins. In addition, we identified 32 proteins for which only sequence information is available and thus these represent novel IGC protein candidates. We find that 54% of the identified IGC proteins have known functions in pre-mRNA splicing. In combination with proteins involved in other steps of pre-mRNA processing, 81% of the identified IGC proteins are associated with RNA metabolism. In addition, proteins involved in transcription, as well as several other cellular functions, have been identified in the IGC fraction. However, the predominance of pre-mRNA processing factors supports the proposed role of IGCs as assembly, modification, and/or storage sites for proteins involved in pre-mRNA processing

Early liver biopsy, intraparenchymal cholestasis, and prognosis in patients with alcoholic steatohepatitis

<p>Abstract</p> <p>Background</p> <p>Alcoholic steatohepatitis (ASH) is a serious complication of alcoholic liver disease. The diagnosis of ASH requires the association of steatosis, evidence of hepatocellular injury with ballooning degeneration, and polynuclear neutrophil infiltration on liver biopsy. Whether these lesions, in addition to other histological features observed in liver tissue specimens, have prognostic significance is unclear.</p> <p>Methods</p> <p>We studied 163 patients (age 55 yrs [35-78], male/female 102/61) with recent, heavy (> 80 gr/day) alcohol intake, histologically-proven ASH (97% with underlying cirrhosis, Maddrey's score 39 [13-200], no sepsis), who had a liver biopsy performed 3 days [0-10] after hospital admission for clinical decompensation. A semi-quantitative evaluation of steatosis, hepatocellular damage, neutrophilic infiltration, periportal ductular reaction, intraparenchymal cholestasis, and iron deposits was performed by two pathologists. All patients with a Maddrey's score ≥ 32 received steroids. The outcome at 3 months was determined. Statistical analysis was performed using the Wilcoxon and Fisher's exact tests, Kaplan-Meier method, and the Cox proportional hazard model.</p> <p>Results</p> <p>43 patients died after 31 days [5-85] following biopsy. The 3-month survival rate was 74%. Mean kappa value for histological assessment by the two pathologists was excellent (0.92). Univariate analysis identified age, the Maddrey's score, the Pugh's score, the MELD score and parenchymal cholestasis, but not other histological features, as factors associated with 3-month mortality. At multivariate analysis, age (p = 0.029, OR 2.83 [1.11-7.2], intraparenchymal cholestasis (p = 0.001, OR 3.9 [1.96-7.8], and the Maddrey's score (p = 0.027, OR 3.93 [1.17-13.23] were independent predictors of outcome. Intraparenchymal cholestasis was more frequent in non survivors compared to survivors (70% versus 25%, p < 0.001). Serum bilirubin was higher in patients with severe compared to those with no or mild intraparenchymal cholestasis (238 [27-636] versus 69 [22-640] umol/l, p < 0.001).</p> <p>Conclusions</p> <p>In this large cohort of patients with histologically documented ASH early after admission and no sepsis, liver biopsy identified marked intraparenchymal cholestasis as an independent predictor of poor short term outcome together with age and the Maddrey's score. It may be hypothesized that incorporation of this particular variable into existing disease severity scores for ASH would improve their performance.</p

ExploreNEOs I: Description and first results from the Warm Spitzer NEO Survey

We have begun the ExploreNEOs project in which we observe some 700 Near Earth Objects (NEOs) at 3.6 and 4.5 microns with the Spitzer Space Telescope in its Warm Spitzer mode. From these measurements and catalog optical photometry we derive albedos and diameters of the observed targets. The overall goal of our ExploreNEOs program is to study the history of near-Earth space by deriving the physical properties of a large number of NEOs. In this paper we describe both the scientific and technical construction of our ExploreNEOs program. We present our observational, photometric, and thermal modeling techniques. We present results from the first 101 targets observed in this program. We find that the distribution of albedos in this first sample is quite broad, probably indicating a wide range of compositions within the NEO population. Many objects smaller than one kilometer have high albedos (>0.35), but few objects larger than one kilometer have high albedos. This result is consistent with the idea that these larger objects are collisionally older, and therefore possess surfaces that are more space weathered and therefore darker, or are not subject to other surface rejuvenating events as frequently as smaller NEOs.Comment: AJ in pres

ExploreNEOs. II. The Accuracy of the Warm Spitzer Near-Earth Object Survey

We report on results of observations of near-Earth objects (NEOs) performed with the NASA Spitzer Space Telescope as part of our ongoing (2009-2011) Warm Spitzer NEO survey ("ExploreNEOs"), the primary aim of which is to provide sizes and albedos of some 700 NEOs. The emphasis of the work described here is an assessment of the overall accuracy of our survey results, which are based on a semi-empirical generalized model of asteroid thermal emission. The NASA Spitzer Space Telescope has been operated in the so-called Warm Spitzer mission phase since the cryogen was depleted in 2009 May, with the two shortest-wavelength channels, centered at 3.6 μm and 4.5 μm, of the Infrared Array Camera continuing to provide valuable data. The set of some 170 NEOs in our current Warm Spitzer results catalog contains 28 for which published taxonomic classifications are available, and 14 for which relatively reliable published diameters and albedos are available. A comparison of the Warm Spitzer results with previously published results ("ground truth"), complemented by a Monte Carlo error analysis, indicates that the rms Warm Spitzer diameter and albedo errors are ±20% and ±50%, respectively. Cases in which agreement with results from the literature is worse than expected are highlighted and discussed; these include the potential spacecraft target 138911 2001 AE_2. We confirm that 1.4 appears to be an appropriate overall default value for the relative reflectance between the V band and the Warm Spitzer wavelengths, for use in correction of the Warm Spitzer fluxes for reflected solar radiation

ExploreNEOs. III. Physical Characterization of 65 Potential Spacecraft Target Asteroids

Space missions to near-Earth objects (NEOs) are being planned at all major space agencies, and recently a manned mission to an NEO was announced as a NASA goal. Efforts to find and select suitable targets (plus backup targets) are severely hampered by our lack of knowledge of the physical properties of dynamically favorable NEOs. In particular, current mission scenarios tend to favor primitive low-albedo objects. For the vast majority of NEOs, the albedo is unknown. Here we report new constraints on the size and albedo of 65 NEOs with rendezvous Δv <7 km s^(–1). Our results are based on thermal-IR flux data obtained in the framework of our ongoing (2009-2011) ExploreNEOs survey using NASA's "Warm-Spitzer" space telescope. As of 2010 July 14, we have results for 293 objects in hand (including the 65 low-Δv NEOs presented here); before the end of 2011, we expect to have measured the size and albedo of ~700 NEOs (including probably ~160 low-Δv NEOs). While there are reasons to believe that primitive volatile-rich materials are universally low in albedo, the converse need not be true: the orbital evolution of some dark objects likely has caused them to lose their volatiles by coming too close to the Sun. For all our targets, we give the closest perihelion distance they are likely to have reached (using orbital integrations from Marchi et al. 2009) and corresponding upper limits on the past surface temperature. Low-Δv objects for which both albedo and thermal history may suggest a primitive composition include (162998) 2001 SK162, (68372) 2001 PM9, and (100085) 1992 UY4

A Case of Drug-Induced Hepatitis due to Lenalidomide

Lenalidomide is a recent thalidomide analog used for the treatment of refractory multiple myeloma. The main toxicity of this drug consists in severe neutropenia and thrombocytopenia. Lenalidomide-associated liver injury is rare, manifesting itself as elevated liver enzymes and hyperbilirubinemia reversible upon weeks after drug withdrawal. We report here in detail the clinical course as well as the biological and histological alterations of an acute lenalidomide-induced liver injury. Findings on liver biopsy allowed us to discriminate acute inflammatory changes due to the drug and minor associated lesions of graft-versus-host disease in this patient with recurrent myeloma after allogeneic bone marrow transplantation