Review of Lapse and Reentry Behavior and Its Impact on the Design of Variable Annuities

This project explores the role of Variable Annuities (VAs) and Registered Index-Linked Annuities (RILAs) within contemporary financial planning, emphasizing how they adapt to evolving market conditions. A comprehensive analysis of these products is provided, including their protective mechanisms, pricing models, and risk characteristics, to explain why they effectively meet investor needs. The evolution from traditional annuities to VAs is traced, and the further development of RILAs from VAs is discussed. The study particularly focuses on the behavior of policyholders who often choose to surrender their policies for more favorable options, thereby maximizing their benefits. Through qualitative and quantitative analysis, the paper illustrates how these products respond to market developments

CHA2 DS2 -VASc score and adverse outcomes in patients with heart failure with reduced ejection fraction and sinus rhythm

AIMS: The aim of this study was to determine whether the CHA2 DS2 -VASc score can predict adverse outcomes such as death, ischaemic stroke, and major haemorrhage, in patients with systolic heart failure in sinus rhythm. METHODS AND RESULTS: CHA2 DS2 -VASc scores were calculated for 1101 patients randomized to warfarin and 1123 patients randomized to aspirin. Adverse outcomes were defined as death or ischaemic stroke, death alone, ischaemic stroke alone, and major haemorrhage. Using proportional hazards models, we found that each 1-point increase in the CHA2 DS2 -VASc score was associated with increased hazard of death or ischaemic stroke events [hazard ratio (HR) for the warfarin arm = 1.21, 95% confidence interval (CI) 1.13-1.30, P < 0.001; for aspirin, HR = 1.20, 95% CI 1.11-1.29, P < 0.001]. Similar increased hazards for higher CHA2 DS2 -VASc scores were observed for death alone, ischaemic stroke alone, and major haemorrhage. Overall performance of the CHA2 DS2 -VASc score was assessed using c-statistics for full models containing the risk score, treatment assignment, and score-treatment interaction, with the c-statistics for the full models ranging from 0.57 for death to 0.68 for major haemorrhage. CONCLUSIONS: The CHA2 DS2 -VASc score predicted adverse outcomes in patients with systolic heart failure in sinus rhythm, with modest prediction accuracy

Neutron Spectroscopy Evidence for a Possible Magnetic-Field-Induced Gapless Quantum-Spin-Liquid Phase in a Kitaev Material α-RuCl3

As one of the most promising Kitaev quantum-spin-liquid (QSL) candidates, α-RuCl3 has received a great deal of attention. However, its ground state exhibits a long-range zigzag magnetic order, which defies the QSL phase. Nevertheless, the magnetic order is fragile and can be completely suppressed by applying an external magnetic field. Here, we explore the evolution of magnetic excitations of α-RuCl3 under an in-plane magnetic field, by carrying out inelastic neutron scattering measurements on high-quality single crystals. Under zero field, there exist spin-wave excitations near the M point and a continuum near the Γ point, which are believed to be associated with the zigzag magnetic order and fractional excitations of the Kitaev QSL state, respectively. By increasing the magnetic field, the spin-wave excitations gradually give way to the continuous excitations. On the verge of the critical field μ0Hc = 7.5 T, the former ones vanish and only the latter ones are left, indicating the emergence of a pure QSL state. By further increasing the field strength, the excitations near the Γ point become more intense. By following the gap evolution of the excitations near the Γ point, we are able to establish a phase diagram composed of three interesting phases, including a gapped zigzag order phase at low fields, possibly gapless QSL phase near μ0Hc, and gapped partially polarized phase at high fields. These results demonstrate that an in-plane magnetic field can drive α-RuCl3 into a long-sought QSL state near the critical field

KIF2A silencing inhibits the proliferation and migration of breast cancer cells and correlates with unfavorable prognosis in breast cancer

Background; Kinesin family member 2a (KIF2A), a type of motor protein found in eukaryotic cells, is associated with development and progression of various human cancers. The role of KIF2A during breast cancer tumorigenesis and progression was studied. Methods; Immunohistochemical staining, real time RT-PCR and western blot were used to examine the expression of KIF2A in cancer tissues and adjacent normal tissues from breast cancer patients. Patients’ survival in relation to KIF2A expression was estimated using the Kaplan–Meier survival and multivariate analysis. Breast cancer cell line, MDA-MB-231 was used to study the proliferation, migration and invasion of cells following KIF2A-siRNA transfection. Results; The expression of KIF2A in cancer tissues was higher than that in normal adjacent tissues from the same patient (P < 0.05). KIF2A expression in cancer tissue with lymph node metastasis and HER2 positive cancer were higher than that in cancer tissue without (P < 0.05). A negative correlation was found between KIF2A expression levels in breast cancer and the survival time of breast cancer patients (P < 0.05). In addition, multivariate analysis indicated that KIF2A was an independent prognostic for outcome in breast cancer (OR: 16.55, 95% CI: 2.216-123.631, P = 0.006). The proliferation, migration and invasion of cancer cells in vitro were suppressed by KIF2A gene silencing (P < 0.05). Conclusions; KIF2A may play an important role in breast cancer progression and is potentially a novel predictive and prognostic marker for breast cancer

Development and application of a porous cage carrier method for detecting trace elements in soils by direct current glow discharge mass spectrometry

The accurate and reliable determination of trace elements in soil still remains a big challenge for glow discharge mass spectrometry due to the poor conductive nature of soils. In the present work, a porous cage carrier was developed and used in the analysis of soils. The investigation results suggested that the carrier with a circular cross-sectional area in the range from 20 to 38 mm2, length from 15 to 17 mm and diameter of hole size from 1.5 mm to 2.0 mm could obtain good signals. Then the porous cage carrier method was systematically evaluated by analysing three types of soil reference materials. The discharge process was kept stable for more than 100 minutes, which was much longer than the boric acid method and indium sheet method. The investigations suggested that the internal precision was obtained within 16%, the external precision was better than 20% and the relative error was in the range from 0.7% to 17%. The detection limit of Tb could reach 0.014 μg g−1, which indicated that the new method qualified for the analysis of trace elements in soils. Compared to traditional tablet-pressed methods, the porous cage carrier method was not only convenient for sample preparation, but also showed good stability, reproducibility and better detection limits for trace elements. Furthermore, this method was proved to promote the potential application of GD-MS in the environmental field

Hydrothermal Synthesis of Highly Water-dispersible Anatase Nanoparticles with Large Specific Surface Area and Their Adsorptive Properties

Highly water-dispersible and very small TiO2 nanoparticles (~3 nm anatase) with large specific surface area have been synthesized by hydrolysis and hydrothermal reactions of titanium butoxide and used for the removal of three azo dyes (Congo red, orange II, and methyl orange) with different molecular structure from simulated wastewaters. The synthesized TiO2 nanoparticles are well dispersed in water with large specific surface area up to 417 m2 g−1. Adsorption experiments demonstrated that the water-dispersible TiO2 nanoparticles possess excellent adsorption capacities for Congo red, orange II, and methyl orange, which could be attributed to their good water-dispersibility and large specific surface area

Oxygen effects on rhamnolipids production by Pseudomonas aeruginosa

Abstract Background Rhamnolipids are the most extensively studied biosurfactants and has been successfully used in various areas from bioremediation to industrial fields. Rhamnolipids structural composition decide their physicochemical properties. Different physicochemical properties influence their application potential. Rhamnolipids can be produced at both aerobic conditions and anaerobic conditions by Pseudomonas aeruginosa. This study aims to evaluate the oxygen effects on the rhamnolipids yield, structural composition, physicochemical properties and the rhl-genes expression in P. aeruginosa SG. Results will guide researchers to regulate microbial cells to synthesize rhamnolipids with different activity according to diverse application requirements. Results Quantitative real-time PCR analysis revealed that rhlAB genes were down-regulated under anaerobic conditions. Therefore, strain P. aeruginosa SG anaerobically produced less rhamnolipids (0.68 g/L) than that (11.65 g/L) under aerobic conditions when grown in media containing glycerol and nitrate. HPLC–MS analysis showed that aerobically produced rhamnolipids mainly contained Rha-C8-C10, Rha–Rha-C10-C12:1 and Rha–Rha-C8-C10; anaerobically produced rhamnolipids mainly contained Rha-C10-C12 and Rha-C10-C10. Anaerobically produced rhamnolipids contained more mono-rhamnolipids (94.7%) than that (54.8%) in aerobically produced rhamnolipids. rhlC gene was also down-regulated under anaerobic conditions, catalyzing less mono-rhamnolipids to form di-rhamnolipids. Aerobically produced rhamnolipids decreased air–water surface tension (ST) from 72.2 to 27.9 mN/m with critical micelle concentration (CMC) of 60 mg/L; anaerobically produced rhamnolipids reduced ST to 33.1 mN/m with CMC of 80 mg/L. Anaerobically produced rhamnolipids emulsified crude oil with EI24 = 80.3%, and aerobically produced rhamnolipids emulsified crude oil with EI24 = 62.3%. Both two rhamnolipids products retained surface activity (ST  60.0%) under temperatures (4–121 °C), pH values (4–10) and NaCl concentrations less than 90 g/L. Conclusions Oxygen affected the rhl-genes expression in P. aeruginosa, thus altering the rhamnolipids yield, structural composition and physicochemical properties. Rhamnolipids produced at aerobic or anaerobic conditions was structurally distinct. Two rhamnolipids products had different application potential in diverse biotechnologies. Although both rhamnolipids products were thermo-stable and halo-tolerant, aerobically produced rhamnolipids possessed better surface activity, implying its well wetting activity and desorption property; anaerobically produced rhamnolipids exhibited better emulsifying activity, indicating its applicability for enhanced oil recovery and bioremediation of petroleum pollution