An Investigation of Adjustable-rate Mortgage Pricing Features

Investigates costs and risks associated with the choice of terms for adjustable rate mortgages. Impact of mortgage-rate changes on the size of payments for adjustable-rate mortgages; Examination of the choice of length of the fixed period before the occurrence of the first interest rate; Assessment of the choice of annual and lifetime caps for a standard one year adjustable rate mortgages

Sex and Gender in Medical Education, and proceedings from the 2015 Sex and Gender Education Summit

The Sex and Gender Medical Education Summit: a roadmap for curricular innovation was a collaborative initiative of the American Medical Women\u27s Association, Laura W. Bush Institute for Women’s Health, Mayo Clinic, and Society for Women\u27s Health Research (www.sgbmeducationsummit.com). It was held on October 18–19, 2015 to provide a unique venue for collaboration among nationally and internationally renowned experts in developing a roadmap for the incorporation of sex and gender based concepts into medical education curricula. The Summit engaged 148 in-person attendees for the 1 1/2-day program. Pre- and post-Summit surveys assessed the impact of the Summit, and workshop discussions provided a framework for informal consensus building. Sixty-one percent of attendees indicated that the Summit had increased their awareness of the importance of sex and gender specific medicine. Other comments indicate that the Summit had a significant impact for motivating a call to action among attendees and provided resources to initiate change in curricula within their home institutions. These educational efforts will help to ensure a sex and gender basis for delivery of health care in the future

Comment on "X-ray resonant scattering studies of orbital and charge ordering in Pr1-xCaxMnO3"

In a recent published paper [Phys. Rev. B 64, 195133 (2001)], Zimmermann et al. present a systematic x-ray scattering study of charge and orbital ordering phenomena in the Pr1-xCaxMnO3 series with x= 0.25, 0.4 and 0.5. They propose that for Ca concentrations x=0.4 and 0.5, the appearance of (0, k+1/2, 0) reflections are originated by the orbital ordering of the eg electrons in the a-b plane while the (0, 2k+1, 0) reflections are due to the charge ordering among the Mn3+ and Mn4+ ions. Moreover, for small Ca concentrations (x<0.3), the orbital ordering is only considered and it occurs at (0, k, 0) reflections. A rigorous analysis of all these resonance reflections will show the inadequacy of the charge-orbital model proposed to explain the experimental results. In addition, this charge-orbital model is highly inconsistent with the electronic balance. On the contrary, these reflections can be easily understood as arising from the anisotropy of charge distribution induced by the presence of local distortions, i.e. due to a structural phase transition.Comment: 10 pages, 2 figures.To be published Phys. Rev.

Polarization Dependence of Anomalous X-ray Scattering in Orbital Ordered Manganites

In order to determine types of the orbital ordering in manganites, we study theoretically the polarization dependence of the anomalous X-ray scattering which is caused by the anisotropy of the scattering factor. The general formulae of the scattering intensity in the experimental optical system is derived and the atomic scattering factor is calculated in the microscopic electronic model. By using the results, the X-ray scattering intensity in several types of the orbital ordering is numerically calculated as a function of azimuthal and analyzer angles.Comment: 9 pages, 7 figure

Dynamical mass generation of a two-component fermion in Maxwell-Chern-Simons QED_3: The lowest ladder approximation

Dynamical mass generation of a two-component fermion in $QED_3$ with a Chern-Simons term is investigated by solving the Schwinger-Dyson equation formulated in the lowest ladder approximation. Dependence of the dynamical fermion mass on a gauge-fixing parameter, a gauge coupling constant, and a topological mass is examined by approximated analytical and also numerical methods. The inclusion of the Chern-Simons term makes impossible to choose a peculiar gauge in which a wave function renormalization is absent. The numerical evaluation shows that the wave function renormalization is fairly close to 1 in the Landau gauge. It means that this gauge is still a specific gauge where the Ward-Takahashi identity is satisfied approximately. We also find that the dynamical mass is almost constant if the topological mass is larger than the coupling constant, while it decreases when the topological mass is comparable to or smaller than the coupling constant and tends to the value in $QED_3$ without the Chern-Simons term.Comment: 22 pages, 9 figures, Version to appear in Phys. Rev.

What lies beneath? The role of informal and hidden networks in the management of crises

Crisis management research traditionally focuses on the role of formal communication networks in the escalation and management of organisational crises. Here, we consider instead informal and unobservable networks. The paper explores how hidden informal exchanges can impact upon organisational decision-making and performance, particularly around inter-agency working, as knowledge distributed across organisations and shared between organisations is often shared through informal means and not captured effectively through the formal decision-making processes. Early warnings and weak signals about potential risks and crises are therefore often missed. We consider the implications of these dynamics in terms of crisis avoidance and crisis management

Reducing Viral Load Measurements to Once a Year in Patients on Stable, Virologically Suppressive Cart Regimen: Findings from the Australian HIV Observational Database.

Reducing viral-load measurements to annual testing in virologically suppressed patients increases the estimated mean time those patients remain on a failing regimen by 6 months. This translates to an increase in the proportion of patients with at least one Thymidine Analogue Mutation from 10% to 32% over one year

Conserve Epitopes of Influenza Virus Induce Innate and Adaptive Immune Responses to Produce Specific Antibody Against M2e Protein

The existing vaccines against influenza are based onthe generation of neutralizing antibody primarilydirected against surface protein, haemagglutinin(HA) and neuraminidase (NA). However, antigenicdrift and occasional shift of these two membraneglycoproteins, HA and NA, make vaccine productioncumbersome and necessitate yearly revision ofthe vaccine seed strains by the World HealthOrganization. For these reasons, many investigatorshave often tried to look at the possibility of generatinga universal vaccine useful against more than oneinfluenza strain. The objective of research was toobtain an alternative antigen as vaccine candidatefor universal flu vaccination, instead of HA and NAcomponents. In this study, we use conserved epitopeM2e which is consist of three major componentsuch as N-terminal M2e2-24 (24 amino acids),transmembrane(59 amino acids) and C-terminal (19amino acids). We design two components of antigen,linier and branched structures. The antigens thenformulated with aluminium hydroxide gel comparedto FCA/IFA adjuvant. These vaccines were testedtheir immunogenicity, and the potency to mature thedendritic cells for stimulating either CD8+ T cell orantibody-mediated immune responses. The antibodytitre and the maturity of dendritic cell indicated bycytokines concentration such as; IFN-ã, IL2 and IL4were measured by ELISA test.The result of researchshowed that the conserved epitope of Me2 2-16 whenincorporated with P25 protein from canine distempervirus (linear structure) in alhydrogel adjuvant hasgreater potential to produce anti-M2e antibodiesthan in Freund adjuvant. Alhydrogel adjuvant hada stronger effect than Freund adjuvant. Alhydrogelalso stimulate the release of IL-2 and IL-4