Age Differences in Consumer Financial Capability

The purpose of this study is to examine age differences in financial capability. Financial capability is measured by five variables: objective financial literacy, subjective financial literacy, desirable financial behavior, perceived financial capability, and a financial capability index. Financial capability is expected to increase with age. Specifically, we expect older consumers to demonstrate higher levels of both objective and subjective financial literacy, more desirable financial behaviors, a higher level of perceived financial capability, and a higher score on the financial capability index. Data from the 2012 National Financial Capability Study in the U.S. was used to examine the associations between age groups and financial capability variables. One-way ANOVAs were used to examine age differences in financial capability variables. Then multiple regressions were used to examine age differences after controlling for socio-demographic and financial variables. The results indicated that age differences in four financial capability variables showed similar patterns. Young adults aged 18-24 had the lowest scores on objective financial literacy, subjective financial literacy, perceived financial capability, and the financial capability index. The results have implications for consumer educators to provide effective financial education for all age groups. This article is protected by copyright. All rights reserved

Transmission ratio distortion in families from the Framingham Heart Study

BACKGROUND: One implicit assumption in most linkage analysis is that live-born siblings unselected for a phenotype do not share alleles greater than the Mendelian expectation at any particular locus. However, since most families are recruited for genetic studies because of the presence of disease, there is little data available to confirm that this is the case. We hypothesized that loci that behave in a non-Mendelian fashion could be identified using genotype data from the Framingham Heart Study families. We tested the hypothesis that live-born sibs, either stratified by or irrespective of gender, demonstrate excess sharing of alleles on the autosomes, i.e., transmission ratio distortion. Multipoint linkage analysis of siblings either according to gender or not was performed using an allele-sharing method. Such observations may have implications for the mapping of loci for complex disease and quantitative traits in human pedigrees. RESULTS: No results that reached genome-wide significance were observed. However, four regions demonstrated excess sharing of alleles at p < 0.002 when sibships were stratified by gender-three of which were present in males. Of note, a female-specific locus co-localized with region that is linked to mean systolic blood pressure in the same families. In addition, three other regions demonstrated excess sharing of alleles in sibships irrespective of gender, including a region on chromosome 10p14-p15 (p = 7.5 × 10(-4)). CONCLUSION: Although no loci meeting genome-wide significance were detected to demonstrate transmission ratio distortion, loci with suggestive evidence for linkage were detected. These may have implications for the mapping of susceptibility loci for complex disease in human pedigrees

Complete NLO Operators in the Higgs Effective Field Theory

We enumerate the complete and independent sets of operators at the next-to-leading order (NLO) in the Higgs effective field theory (HEFT), based on the Young tensor technique on the Lorentz, gauge and flavor structures. The operator-amplitude correspondence tells a type of operators forms the on-shell amplitude basis, and for operators involving in Nambu-Goldstone bosons, the amplitude basis is further reduced to the subspace satisfying the Adler's zero condition in the soft momentum limit. Different from dynamical field, the spurion should not enter into the Lorentz sector, instead it only plays a role of forming the $SU(2)$ invariant together with other dynamical fields. With these new treatments, for the first time we could obtain the 237 (8595) operators for one (three) generation fermions, 295 (11307) with right-handed neutrinos, and find there were 6 (9) terms of operators missing and many redundant operators can be removed in the effective theory without (with) right-handed neutrinos.Comment: 63 pages, 2 tables, revised version: operators in 4-component notation, correct typo for countin

CD95-induced osteoarthritic chondrocyte apoptosis and necrosis: dependency on p38 mitogen-activated protein kinase

One of the hallmarks of osteoarthritic cartilage is the loss of chondrocyte cellularity due to cell death. However, considerable controversy has recently arisen surrounding the extent of apoptotic cell death involved in development of osteoarthritis (OA). To shed light on this issue, we characterized cell death in primary OA chondrocytes mediated by the CD95 (Fas) pathway. Treatment of chondrocytes with anti-CD95 not only increased the rate of cell death but also increased the production of CD95 ligand by chondrocytes. This reveals a novel autocrine regulatory loop whereby activated chondrocytes may amplify CD95 signals by inducing synthesis of CD95 ligand. Multiple morphologic detection analyses indicated that apoptosis accounted for only a portion of chondrocyte death, whereas the other chondrocytes died by necrosis. Both chondrocyte apoptosis and necrosis depended on the activity of p38 mitogen-activated protein kinase (MAPK) within chondrocytes. Treatment of chondrocytes with the p38 MAPK inhibitor SB203580 abolished anti-CD95 induced cell death by inhibiting the activities of activating transcription factor-2 and caspase-3. In addition, inhibition of p38 MAPK activity in chondrocytes stimulated chondrocyte proliferation, as indicated by 5-bromo-2-deoxyuridine (BrdU) index. Thus, p38 MAPK is a potential therapeutic target, inhibition of which may maintain the cellularity of articular chondrocytes by inhibiting cell death and its amplification signal and by increasing cell proliferation

Growth and physiological responses to water and nutrient stress in oil palm

The research was conducted to detect changes in growth, physiology and nutrient concentration in response to two watering regimes (well-watered and water-stress conditions) and to two nutrient regimes (with or without fertilization) of oil palm. Under stress conditions, changes in plant growth, dry matter allocation, relative water content, leaf relative conductivity, leaf N, P and K concentration are usually observed. These characteristics and related parameters were determined and the experiment results are listed as follows: (1) fertilization promoted the growth of oil palm under well-watered conditions, while under water stress conditions its effects on growth was negative. The ratio of root/shoot was increased under water stress condition; (2) relative water content and chlorophyll a/b content were gradually decreased while leaf relative conductivity was increased quickly under water and nutrient stress conditions during the experiment. It is obvious that water stress had a greater influence than nutrient stress on these parameters; (3) water and nutrient stress decreased leaf nitrogen and phosphorus concentration but increased potassium concentration; the combination of water and nutrient stress made significant effects on nitrogen and phosphorus concentration, but no significant effects on potassium concentration. Moreover, deficiency of both water and nutrients in combination had the greatest impact on changes in these traits of oil palm.Key words: Plant growth, physiology response, nutrient concentration, water stress, nutrient stress

GBD-TS: Goal-based Pedestrian Trajectory Prediction with Diffusion using Tree Sampling Algorithm

Predicting pedestrian trajectories is crucial for improving the safety and effectiveness of autonomous driving and mobile robots. However, this task is nontrivial due to the inherent stochasticity of human motion, which naturally requires the predictor to generate multi-model prediction. Previous works have used various generative methods, such as GAN and VAE, for pedestrian trajectory prediction. Nevertheless, these methods may suffer from problems, including mode collapse and relatively low-quality results. The denoising diffusion probabilistic model (DDPM) has recently been applied to trajectory prediction due to its simple training process and powerful reconstruction ability. However, current diffusion-based methods are straightforward without fully leveraging input information and usually require many denoising iterations leading to a long inference time or an additional network for initialization. To address these challenges and promote the application of diffusion models in trajectory prediction, we propose a novel scene-aware multi-modal pedestrian trajectory prediction framework called GBD. GBD combines goal prediction with the diffusion network. First, the goal predictor produces multiple goals, and then the diffusion network generates multi-modal trajectories conditioned on these goals. Furthermore, we introduce a new diffusion sampling algorithm named tree sampling (TS), which leverages common feature to reduce the inference time and improve accuracy for multi-modal prediction. Experimental results demonstrate that our GBD-TS method achieves state-of-the-art performance with real-time inference speed.Comment: Submitted to ICRA 202

Nanoscale pore and crack evolution in shear thin layers of shales and the shale gas reservoir effect

Studies on matrix-related pores from the nanometer to the micrometer scale in shales have made considerable progress in recent decades. However, nanoscale pores and cracks developed in the shear thin layers have not been systematically discussed. In this work, interlayer shear slip occurring in shales are observed through practical examples. The results show that the shear thin layer constructed by nanograin coating is widely distributed on superimposed shear slip planes. Usually, the development of the shear thin layer undergoes viscoelastic-rheological-embrittling deformation stages, and the nanograin texture assembled in the shear thin layer can demonstrate three pore and crack structure types. Based on the mechanical analysis concerning nanoscale cohesion force, it is identified that, as long as force remains a state, the shear thin layer must bear a nanoscale pore and crack character. Furthermore, the shale gas reservoir effect of the nanoscale pore and crack is simply discussed. Obviously, the adsorbed gas effect of the nanograin itself has a larger nanoscale size and surface functionality than those of kerogen and clay particles in the shales; three structure types of the nanoscale pore and crack can act as given controlling factors of storage and permeability for the free gas. Both the matrix-related pores and the three pore and crack structures have an intimate connection with respect to each other in the genetic mechanism and temporal-spatial evolution. This work has important theoretical implications for supplementing the pore and crack classification of shale. Moreover, it makes a significant contribution to shale gas exploration and development.Cited as: Sun, Y., Ju, Y., Zhou, W., Qiao, P., Tao, L., Xiao, L. Nanoscale pore and crack evolution in shear thin layers of shales and the shale gas reservoir effect. Advances in Geo-Energy Research, 2022, 6(3): 221-229. https://doi.org/10.46690/ager.2022.03.0