A number or a person?: perspectives on credit scoring and fair mortgage lending: article four in a five-part series

This fourth article in a five-part series on credit scoring showcases three different perspectives. Up for debate is how lenders can ensure fair treatment to all mortgage applicants and how consumers can be educated about the effect their credit score has on loan pricing.Mortgage loans

The Relationship Between Social Vulnerability and COVID-19 Incidence Among Louisiana Census Tracts

Objective: To examine the association between the Centers for Disease Control and Prevention (CDC)\u27s Social Vulnerability Index (SVI) and COVID-19 incidence among Louisiana census tracts. Methods: An ecological study comparing the CDC SVI and census tract-level COVID-19 case counts was conducted. Choropleth maps were used to identify census tracts with high levels of both social vulnerability and COVID-19 incidence. Negative binomial regression with random intercepts was used to compare the relationship between overall CDC SVI percentile and its four sub-themes and COVID-19 incidence, adjusting for population density. Results: In a crude stratified analysis, all four CDC SVI sub-themes were significantly associated with COVID-19 incidence. Census tracts with higher levels of social vulnerability were associated with higher COVID-19 incidence after adjusting for population density (adjusted RR: 1.52, 95% CI: 1.41-1.65). Conclusions: The results of this study indicate that increased social vulnerability is linked with COVID-19 incidence. Additional resources should be allocated to areas of increased social disadvantage to reduce the incidence of COVID-19 in vulnerable populations

Updated analyses of the results from the Island Closure Feasibility Study for the Dassen/Robben and St Croix/Bird Island pairs given revised data and responses to matters raised in documents

Repetition of earlier analyses of the data from the island closure feasibility study, given some corrected and extended data series, makes little change to results for Robben and Dassen Islands, except that the estimated power of foraging–related response variables to achieve statistically significant results decreases appreciably. However for St Croix Island, the inference of a negative impact of fishing is strengthened. The rationales offered in MARAM/IWS/DEC14/Peng/A3 for using closure instead of catch as a covariate in the analysis, and for restricting data to the years from 2008 onwards, are questioned. Comparisons conducted by applying the MARAM/IWS/DEC14/Peng/B4 approach, which uses annual means of response variables, indicate that the use of closure rather than catch as the covariate generally results in poorer precision and fewer statistically significant estimates of the fishing effect parameter λ. Furthermore when catch is used as the covariate, appreciably better precision for estimates of λ is generally achieved by including all years in the analyses, rather than by restricting them to the period from 2008 onwards. Importantly comparative estimates of λ from the Peng/B4 approach are shown to achieve better precision generally than those from the more complex and data-intensive Peng/A3 approach, thus negating the assertions in Peng/A1 and Peng/A2 that estimates from the former are compromised by their dependence on response variable means alone. The failure of Peng/A3 to report the variance estimates needed for input to the power analysis required for the feasibility study is noted. Furthermore Peng/A3 offers no specification of the simulation studies necessary to carry out a power analysis for the estimators which it proposes, so that it has failed to address this key first step in this overall closure study process. Peng/A3 has prodived some strongish evidence that closures may benefit penguins, but for the Eastern Cape colonies only. However it has failed to address the primary aim of the feasibility study itself to ascertain for how long an experimental closures programme would need to continue for reliable determination of the impact of fishing in the near vicinity of island colonies on penguin reproductive success. Use of the Peng/B4 approach indicates that this period is appreciably lengthened if data for analyses are to be restricted to the years from 2008 onwards only, and particularly so if closure replaces catch as a covariate

Air Traffic Management Technology Demonstration-1 Concept of Operations (ATD-1 ConOps), Version 2.0

This document is an update to the operations and procedures envisioned for NASA s Air Traffic Management (ATM) Technology Demonstration #1 (ATD-1). The ATD-1 Concept of Operations (ConOps) integrates three NASA technologies to achieve high throughput, fuel-efficient arrival operations into busy terminal airspace. They are Traffic Management Advisor with Terminal Metering (TMA-TM) for precise time-based schedules to the runway and points within the terminal area, Controller-Managed Spacing (CMS) decision support tools for terminal controllers to better manage aircraft delay using speed control, and Flight deck Interval Management (FIM) avionics and flight crew procedures to conduct airborne spacing operations. The ATD-1 concept provides de-conflicted and efficient operations of multiple arrival streams of aircraft, passing through multiple merge points, from top-of-descent (TOD) to the Final Approach Fix. These arrival streams are Optimized Profile Descents (OPDs) from en route altitude to the runway, using primarily speed control to maintain separation and schedule. The ATD-1 project is currently addressing the challenges of integrating the three technologies, and their implantation into an operational environment. The ATD-1 goals include increasing the throughput of high-density airports, reducing controller workload, increasing efficiency of arrival operations and the frequency of trajectory-based operations, and promoting aircraft ADS-B equipage

March 1965

Turf and Lawn Grass Association Better turf through research and Educatio

Understanding how the rate of C-H bond cleavage affects formate oxidation catalysis by a Mo-dependent formate dehydrogenase

Metal-dependent formate dehydrogenases (FDHs) catalyze the reversible conversion of formate into CO2, a proton and two electrons. Kinetic studies of FDHs provide key insights into their mechanism of catalysis, relevant as a guide for the development of efficient electrocatalysts for formate oxidation as well as for CO2 capture and utilization. Here, we identify and explain the kinetic isotope effect (KIE) observed for the oxidation of formate and deuterioformate by the Mo-containing FDH from Escherichia coli using three different techniques: steady-state solution kinetic assays, protein film electrochemistry (PFE) and pre-steady state stopped-flow methods. For each technique, the Mo center of FDH is reoxidized at a different rate following formate oxidation, significantly affecting the observed kinetic behavior and providing three different viewpoints on the KIE. Steady-state turnover in solution, using an artificial electron acceptor, is kinetically limited by diffusional intermolecular electron transfer, masking the KIE. In contrast, interfacial electron transfer in PFE is fast, lifting electron transfer rate limitation and manifesting a KIE of 2.44. Pre-steady state analyses using stopped-flow spectroscopy revealed a KIE of 3 that can be assigned to the CH bond cleavage step during formate oxidation. We formalize our understanding of FDH catalysis by fitting all the data to a single kinetic model, recreating the condition-dependent shift in rate-limitation of FDH catalysis between active site chemical catalysis and regenerative electron transfer. Furthermore, our model predicts the steady-state and time-dependent concentrations of catalytic intermediates, providing a valuable framework for the design of future mechanistic experiments

Psoriatic nail dystrophy is associated with erosive disease in the distal interphalangeal joints in psoriatic arthritis:a retrospective cohort study

Objective. To assess whether the association between psoriatic nail dystrophy and radiographic damage in the hands of patients with psoriatic arthritis (PsA) is specific to the distal interphalangeal (DIP) joints. Methods. A convenience sample of patients was collated from the Bath longitudinal PsA cohort. All patients had PsA according to the ClASsification for Psoriatic ARthritis criteria (CASPAR) criteria, scored radiographs of their hands, and documented nail scores as measured by the Psoriatic Nail Severity Score. Chi-square tests were performed to examine for association between features of nail dystrophy and radiographic damage in the DIP joints, and proximal interphalangeal or metacarpophalangeal (non-DIP) joints of the corresponding digits. Results. There were 134 patients included, with a median age of 53 years (interquartile range; IQR 44-61) and disease duration of 7 years (IQR 3-17). The presence of any form of psoriatic nail dystrophy was associated with erosion at the DIP joints of the corresponding digit (OR 1.9, 95% CI 1.23-2.83; p &lt; 0.004) and this association was primarily driven by the presence of nail onycholysis (OR 1.72; 95% CI 1.12-2.62; p = 0.02). Nail subungual hyperkeratosis was more strongly associated with joint space narrowing, erosions, and osteoproliferation at the corresponding DIP joint compared to non-DIP joints (p &lt; 0.001). Nail pitting was not associated with erosions or osteoproliferation. Conclusion. The presence of psoriatic nail dystrophy, particularly onycholysis, is associated with erosive disease at the DIP joints. Subungual hyperkeratosis is more strongly associated with erosive damage at the DIP than non-DIP joints. These findings support the anatomical and pathological link between nail and DIP joint disease.</p

A microsatellite marker for yellow rust resistance in wheat

Bulk segregant analysis (BSA) was used to identify molecular markers associated with yellow rust disease resistance in wheat (Triticum aestivum L.). DNAs isolated from the selected yellow rust tolerant and susceptible F-2 individuals derived from a cross between yellow rust resistant and susceptible wheat genotypes were used to established a "tolerant" and a "susceptible" DNA pool. The BSA was then performed on these DNA pools using 230 markers that were previously mapped onto the individual wheat chromosomes. One of the SSR markers (Xgwm382) located on chromosome group 2 (A, B, D genomes) was present in the resistant parent and the resistant bulk but not in the susceptible parent and the susceptible bulk, suggesting that this marker is linked to a yellow rust resistance gene. The presence of Xgwm382 was also tested in 108 additional wheat genotypes differing in yellow rust resistance. This analysis showed that 81% of the wheat genotypes known to be yellow rust resistant had the Xgwm382 marker, further suggesting that the presence of this marker correlates with yellow rust resistance in diverse wheat germplasm. Therefore, Xgwm382 could be useful for marker assisted selection of yellow rust resistances genotypes in wheat breeding programs