When a Nudge Isn’t Enough: Defaults and Saving Among Low-Income Tax Filers

Recent evidence suggests that the default options implicit in economic choices (e.g., 401(k) savings by white-collar workers) have extraordinarily large effects on decision-making. This study presents a field experiment that evaluates the effect of defaults on savings among a highly policy-relevant population: low-income tax filers. In the control condition, tax filers could choose (i.e., opt in) to receive some of their federal tax refund in the form of U.S. Savings Bonds. In the treatment condition, a fraction of the tax refund was automatically directed to U.S. Savings Bonds unless tax filers actively chose another allocation. We find that the opt-out default had no impact on savings behavior. Furthermore, our treatment estimate is sufficiently precise to reject effects as small as one-fifth of the participation effects found in the 401(k) literature. Ancillary evidence suggests that this "nudge" was ineffective in part because the low-income tax filers in our study had targeted plans to spend their refunds. These results suggest that choice architecture based on defaults may be less effective in certain policy-relevant settings, particularly where intentions are strong.

Bias adjustment of infrared-based rainfall estimation using Passive Microwave satellite rainfall data

This study explores using Passive Microwave (PMW) rainfall estimation for spatial and temporal adjustment of Precipitation Estimation from Remotely Sensed Information using Artificial Neural Networks-Cloud Classification System(PERSIANN-CCS). The PERSIANN-CCS algorithm collects information from infrared images to estimate rainfall. PERSIANN-CCS is one of the algorithms used in the IntegratedMultisatellite Retrievals for GPM (Global Precipitation Mission) estimation for the time period PMW rainfall estimations are limited or not available. Continued improvement of PERSIANN-CCS will support Integrated Multisatellite Retrievals for GPM for current as well as retrospective estimations of global precipitation. This study takes advantage of the high spatial and temporal resolution of GEO-based PERSIANN-CCS estimation and the more effective, but lower sample frequency, PMW estimation. The Probability Matching Method (PMM) was used to adjust the rainfall distribution of GEO-based PERSIANN-CCS toward that of PMW rainfall estimation. The results show that a significant improvement of global PERSIANN-CCS rainfall estimation is obtained

Multiscale Exploration of Mouse Brain Microstructures Using the Knife-Edge Scanning Microscope Brain Atlas

Connectomics is the study of the full connection matrix of the brain. Recent advances in high-throughput, high-resolution 3D microscopy methods have enabled the imaging of whole small animal brains at a sub-micrometer resolution, potentially opening the road to full-blown connectomics research. One of the first such instruments to achieve whole-brain-scale imaging at sub-micrometer resolution is the Knife-Edge Scanning Microscope (KESM). KESM whole-brain data sets now include Golgi (neuronal circuits), Nissl (soma distribution), and India ink (vascular networks). KESM data can contribute greatly to connectomics research, since they fill the gap between lower resolution, large volume imaging methods (such as diffusion MRI) and higher resolution, small volume methods (e.g., serial sectioning electron microscopy). Furthermore, KESM data are by their nature multiscale, ranging from the subcellular to the whole organ scale. Due to this, visualization alone is a huge challenge, before we even start worrying about quantitative connectivity analysis. To solve this issue, we developed a web-based neuroinformatics framework for efficient visualization and analysis of the multiscale KESM data sets. In this paper, we will first provide an overview of KESM, then discuss in detail the KESM data sets and the web-based neuroinformatics framework, which is called the KESM brain atlas (KESMBA). Finally, we will discuss the relevance of the KESMBA to connectomics research, and identify challenges and future directions

Specimen Preparation, Imaging, and Analysis Protocols for Knife-edge Scanning Microscopy

Major advances in high-throughput, high-resolution, 3D microscopy techniques have enabled the acquisition of large volumes of neuroanatomical data at submicrometer resolution. One of the first such instruments producing whole-brain-scale data is the Knife-Edge Scanning Microscope (KESM)7, 5, 9, developed and hosted in the authors' lab. KESM has been used to section and image whole mouse brains at submicrometer resolution, revealing the intricate details of the neuronal networks (Golgi)1, 4, 8, vascular networks (India ink)1, 4, and cell body distribution (Nissl)3. The use of KESM is not restricted to the mouse nor the brain. We have successfully imaged the octopus brain6, mouse lung, and rat brain. We are currently working on whole zebra fish embryos. Data like these can greatly contribute to connectomics research10; to microcirculation and hemodynamic research; and to stereology research by providing an exact ground-truth

Daily Precipitation over Southern Africa: A New Resource for Climate Studies

This paper describes a new high-resolution multiplatform multisensor satellite rainfall product for southern Africa covering the period 1993–2002. The microwave infrared rainfall algorithm (MIRA) employed to generate the rainfall estimates combines high spatial and temporal resolution Meteosat infrared data with infrequent Special Sensor Microwave Imager (SSM/I) overpasses. A transfer function relating Meteosat thermal infrared cloud brightness temperatures to SSM/I rainfall estimates is derived using collocated data from the two instruments and then applied to the full coverage of the Meteosat data. An extensive continental-scale validation against synoptic station data of both the daily MIRA precipitation product and a normalized geostationary IR-only Geostationary Operational Environmental Satellite (GOES) precipitation index (GPI) demonstrates a consistent advantage using the former over the latter for rain delineation. Potential uses for the resulting high-resolution daily rainfall dataset are discussed

Extension of the TAMSAT satellite-based rainfall monitoring over Africa and from 1983 to present

Tropical Applications of Meteorology Using Satellite Data and Ground-Based Observations (TAMSAT) rainfall monitoring products have been extended to provide spatially contiguous rainfall estimates across Africa. This has been achieved through a new, climatology-based calibration, which varies in both space and time. As a result, cumulative estimates of rainfall are now issued at the end of each 10-day period (dekad) at 4-km spatial resolution with pan-African coverage. The utility of the products for decision making is improved by the routine provision of validation reports, for which the 10-day (dekadal) TAMSAT rainfall estimates are compared with independent gauge observations. This paper describes the methodology by which the TAMSAT method has been applied to generate the pan-African rainfall monitoring products. It is demonstrated through comparison with gauge measurements that the method provides skillful estimates, although with a systematic dry bias. This study illustrates TAMSAT’s value as a complementary method of estimating rainfall through examples of successful operational application

Bounding the MSSM Higgs sector from above with the Tevatron's B_s --> mu^+ mu^-

The discovery potential of the Tevatron CDF for the rare B-decay B_s --> mu^+ mu^- is analysed. We find that with an integrated luminosity of 2 fb^(-1), and using CDF as the example detector, a 5 sigma combined discovery reach of the Tevatron is possible if the Branching ratio for B_s --> mu^+ mu^- is (1.7 +- 0.46) \times 10^(-7). Such a possible signal for the decay B_s --> mu^+ mu^- will invite large tan(beta) values and set an upper bound on the heaviest mass of the MSSM Higgs sector in a complete analogy to the upper bound of the lightest observable supersymmetric particle set from the excess over the SM prediction of the muon anomalous magnetic moment. If for example, the decay B_s -->mu^+ mu^- is found at Tevatron with branching ratio 2 \times 10^(-7) then the heaviest Higgs boson mass in the MSSM should be less than 790 GeV for tan(beta) < 50 provided that the CKM matrix is the only source for (s)quark flavour changing processes.Comment: 14 pages, 3 figures, (v2) Minor changes, version to appear in Phys Lett