Standard & Poor’s Small Business Portfolio Model introduces a potential new tool for community development loan risk analysis

The Small Business Portfolio Evaluator™ analytical model helps issuers and underwriters to assess the gross default and prepayment risk of small business loan portfolios using a Monte Carlo simulation. This new tool provides an important first step to securitizing existing community development loan portfolios.

SCUdent Books: A University-Focused Bookselling Platform

As the beginning of each university semester or quarter commences, so does the rush to acquire books for classes. The search for school books is a busy and important task for many students. However, an entire slew of problems and frustrations emerge with this academic race to gather books. To begin, students have to deal with the traditional frustrations of expensive textbooks sold at the university bookstore which is especially troublesome for those on a tight budget. Additionally, required textbooks for classes may not be available at the bookstore or require restocking which can take an unknown amount of time. Because of this, students turn to cheaper, faster, and more efficient alternatives for acquiring school books including online retailers such as Amazon or Barnes and Noble. While the Internet makes book shopping appear easier, there exist issues that come with it. Students have to put in more effort ordering online, pay for extra shipping, and wait for their books to arrive. Also, online shopping for books is incredibly decentralized with no convenient platform to cater to students\u27 needs. Students must first spend time finding out which books are required for each class and then spend even more time comparing prices from multiple online retailers. In addition, once a student completes a class he or she may no longer need the book. As a result, the student has no convenient method of disposing the book and must now sell it, throw it away, or keep it. Overall, the process of acquiring books in university is disorganized, stressful, and inconvenient for students

In situ structures of the segmented genome and RNA polymerase complex inside a dsRNA virus.

Viruses in the Reoviridae, like the triple-shelled human rotavirus and the single-shelled insect cytoplasmic polyhedrosis virus (CPV), all package a genome of segmented double-stranded RNAs (dsRNAs) inside the viral capsid and carry out endogenous messenger RNA synthesis through a transcriptional enzyme complex (TEC). By direct electron-counting cryoelectron microscopy and asymmetric reconstruction, we have determined the organization of the dsRNA genome inside quiescent CPV (q-CPV) and the in situ atomic structures of TEC within CPV in both quiescent and transcribing (t-CPV) states. We show that the ten segmented dsRNAs in CPV are organized with ten TECs in a specific, non-symmetric manner, with each dsRNA segment attached directly to a TEC. The TEC consists of two extensively interacting subunits: an RNA-dependent RNA polymerase (RdRP) and an NTPase VP4. We find that the bracelet domain of RdRP undergoes marked conformational change when q-CPV is converted to t-CPV, leading to formation of the RNA template entry channel and access to the polymerase active site. An amino-terminal helix from each of two subunits of the capsid shell protein (CSP) interacts with VP4 and RdRP. These findings establish the link between sensing of environmental cues by the external proteins and activation of endogenous RNA transcription by the TEC inside the virus

Cell-Cycle Perturbations Suppress the Slow-Growth Defect of spt10Δ Mutants in Saccharomyces cerevisiae

Spt10 is a putative acetyltransferase of Saccharomyces cerevisiae that directly activates the transcription of histone genes. Deletion of SPT10 causes a severe slow growth phenotype, showing that Spt10 is critical for normal cell division. To gain insight into the function of Spt10, we identified mutations that impair or improve the growth of spt10 null (spt10Δ) mutants. Mutations that cause lethality in combination with spt10Δ include particular components of the SAGA complex as well as asf1Δ and hir1Δ. Partial suppressors of the spt10Δ growth defect include mutations that perturb cell-cycle progression through the G1/S transition, S phase, and G2/M. Consistent with these results, slowing of cell-cycle progression by treatment with hydroxyurea or growth on medium containing glycerol as the carbon source also partially suppresses the spt10Δ slow-growth defect. In addition, mutations that impair the Lsm1-7−Pat1 complex, which regulates decapping of polyadenylated mRNAs, also partially suppress the spt10Δ growth defect. Interestingly, suppression of the spt10Δ growth defect is not accompanied by a restoration of normal histone mRNA levels. These findings suggest that Spt10 has multiple roles during cell division

Does Uber Benefit Travelers by Price Discrimination?

We use Uber fare data for passenger trips from Los Angeles, New York, and San Francisco airports to hotels in those metropolitan areas to test whether Uber engages in third-degree price discrimination by charging higher fares to travelers who originate from the same airports as other travelers but who stay at more expensive hotels. We find that fares are positively and statistically significantly related to the price of hotel rooms. Importantly, we also find that allowing ride-sharing companies to price discriminate improves travelers’ welfare, on average, by increasing their travel options

What Makes You Happy? Predicting Wellbeing in Nicaraguan High School and College Students Using Socioeconomic Status, Depression, Anxiety, and Resilience

The present study sought to identify significant predictors of wellbeing within a sample of 2,764 high school and university students in Nicaragua, a country where significant stressful events and suicide are common. Ages ranged from 11-22 years (M = 16.63, SD = 2.85), and 60.3% identified as female. Measures used include the Personal Wellbeing Index, the Child and Youth Resilience Measure, the Patient Health Questionnaire-4, and demographic questions.  Parent occupations were coded using the International Standard Classification of Occupations (ISCO-08). A multiple regression was conducted to identify five core variables that combined to predict approximately 30% of the variance of wellbeing, R2 = .30, R2adj = .297, F(11, 2727) = 106.188, p < .001. Resilience is positively related to wellbeing, while age, depression, anxiety, and mother’s education are inversely related to wellbeing. These findings could inform mental health workers in Latin America and contribute to increased wellbeing for the youth they work with, especially in Nicaragua, as the population has experienced increasing civil unrest. Implications and suggestions for future research are discussed