A comprehensible SOM-based scoring system.

The significant growth of consumer credit has resulted in a wide range of statistical and non-statistical methods for classifying applicants in 'good' and 'bad' risk categories. Traditionally, (logistic) regression used to be one of the most popular methods for this task, but recently some newer techniques like neural networks and support vector machines have shown excellent classification performance. Self-organizing maps (SOMs) have existed for decades and although they have been used in various application areas, only little research has been done to investigate their appropriateness for credit scoring. In this paper, it is shown how a trained SOM can be used for classification and how the basic SOM-algorithm can be integrated with supervised techniques like the multi-layered perceptron. Classification accuracy of the models is benchmarked with results reported previously.Decision; Knowledge; Knowledge discovery; Systems; Growth; Credit; Methods; Risk; Regression; Neural networks; Networks; Classification; Performance; Area; Research; Credit scoring; Models; Model;

How to pass the false-belief task before your fourth birthday.

The experimental record of the last three decades shows that children under 4 years old fail all sorts of variations on the standard false-belief task, whereas more recent studies have revealed that infants are able to pass nonverbal versions of the task. We argue that these paradoxical results are an artifact of the type of false-belief tasks that have been used to test infants and children: Nonverbal designs allow infants to keep track of a protagonist's perspective over a course of events, whereas verbal designs tend to disrupt the perspective-tracking process in various ways, which makes it too hard for younger children to demonstrate their capacity for perspective tracking. We report three experiments that confirm this hypothesis by showing that 3-year-olds can pass a suitably streamlined version of the verbal false-belief task. We conclude that young children can pass the verbal false-belief task provided that they are allowed to keep track of the protagonist's perspective without too much disruption

Human prostate sphere-forming cells represent a subset of basal epithelial cells capable of glandular regeneration in vivo.

BackgroundProstate stem/progenitor cells function in glandular development and maintenance. They may be targets for tumor initiation, so characterization of these cells may have therapeutic implications. Cells from dissociated tissues that form spheres in vitro often represent stem/progenitor cells. A subset of human prostate cells that form prostaspheres were evaluated for self-renewal and tissue regeneration capability in the present study.MethodsProstaspheres were generated from 59 prostatectomy specimens. Lineage marker expression and TMPRSS-ERG status was determined via immunohistochemistry and fluorescence in situ hybridization (FISH). Subpopulations of prostate epithelial cells were isolated by cell sorting and interrogated for sphere-forming activity. Tissue regeneration potential was assessed by combining sphere-forming cells with rat urogenital sinus mesenchyme (rUGSM) subcutaneously in immunocompromised mice.ResultsProstate tissue specimens were heterogeneous, containing both benign and malignant (Gleason 3-5) glands. TMPRSS-ERG fusion was found in approximately 70% of cancers examined. Prostaspheres developed from single cells at a variable rate (0.5-4%) and could be serially passaged. A basal phenotype (CD44+CD49f+CK5+p63+CK8-AR-PSA-) was observed among sphere-forming cells. Subpopulations of prostate cells expressing tumor-associated calcium signal transducer 2 (Trop2), CD44, and CD49f preferentially formed spheres. In vivo implantation of sphere-forming cells and rUGSM regenerated tubular structures containing discreet basal and luminal layers. The TMPRSS-ERG fusion was absent in prostaspheres derived from fusion-positive tumor tissue, suggesting a survival/growth advantage of benign prostate epithelial cells.ConclusionHuman prostate sphere-forming cells self-renew, have tissue regeneration capability, and represent a subpopulation of basal cells

What children know about the source of their knowledge without reporting it as the source

We argue that, amongst 3- to 5- year-olds, failure to report the source of knowledge recently acquired in answer to “How do you know…?” is due to a specific failure to make a causal inference, in line with source monitoring theory but not fuzzy trace theory. In three Experiments, children (N = 37; 30; 59) identified a hidden toy by seeing, feeling, or by being told, having had two modes of access on each trial, one informative (e.g. seeing a toy identified by colour) and the other uninformative (e.g. being told the toy’s colour by the Experimenter who had only felt it). Children who answered the know question wrongly nevertheless reported accurately who saw and who felt the toy, and what the well-informed player had said. They also realised when the Experimenter’s uninformative access implied their own knowledge was unreliable, suggesting precocious working understanding of knowledge sources

Продукты ограниченного протеолиза: подходы к обнаружению и диагностические возможности в оценке тяжести патологии при эндогенной интоксикации

ПРОДУКТЫ ОГРАНИЧЕННОГО ПРОТЕОЛИЗАПРОТЕИНАЗО-ИНГИБИТОРНАЯ СИСТЕМАОТРАВЛЕНИЕ /ДИАГН /ОСЛЭНДОГЕННАЯ ИНТОКСИКАЦИЯ /ДИАГН /ОСЛСРЕДНЕМОЛЕКУЛЯРНАЯ ПЕПТИДНАЯ ФРАКЦИЯПАТОЛОГИЧЕСКИЕ ПРОЦЕССЫЛАБОРАТОРНЫЕ МЕТОДЫ И ПРОЦЕДУРЫБЕЛКОВО-ПЕПТИДНЫЕ КОМПОНЕНТ

The practical other : teleology and its development

We argue for teleology as a description of the way in which we ordinarily understand others’ intentional actions. Teleology starts from the close resemblance between the reasoning involved in understanding others’ actions and one’s own practical reasoning involved in deciding what to do. We carve out teleology’s distinctive features more sharply by comparing it to its three main competitors: theory theory, simulation theory, and rationality theory. The plausibility of teleology as our way of understanding others is underlined by developmental data in its favour

Enhancement of Jc by Hf -Doping in the Superconductor MgB2: A Hyperfine Interaction Study

Measurements of the critical current density (Jc) by magnetization and the upper critical field (Hc2) by magnetoresistance have been performed for hafnium-doped MgB2. There has been a remarkable enhancement of Jc as compared to that by ion irradiation without any appreciable decrease in Tc, which is beneficial from the point of view of applications. The irreversibility line extracted from Jc shows an upward shift. In addition, there has been an increase in the upper critical field which indicates that Hf partially substitutes for Mg. Hyperfine interaction parameters obtained from time differential perturbed angular correlation (TDPAC) measurements revealed the formation of HfB and HfB2 phases along with the substitution of Hf. A possible explanation is given for the role of these species in the enhancement of Jc in MgB2 superconductor

Optically induced damping of the surface plasmon resonance in gold colloids

The surface plasmon damping induced by high excitation of the electron gas is studied in femtosecond pump-and-probe experiments on gold colloids embedded in a sol-gel matrix. Optical excitation of single-particle interband transitions leads to a pronounced broadening of the surface plasmon line. A similar behavior is observed for resonant excitation of the surface plasmon. This broadening is the dominant optical nonlinearity of the system, and reflects the excitation-induced damping of the surface plasmon resonance. The time evolution of the damping rate follows that of the electronic scattering rate