Sample records for dco defaults site

  1. Differential expression of chicken dimerization cofactor of hepatocyte nuclear factor-1 (DcoH) and its novel counterpart, DcoHalpha.

    PubMed Central

    Kim, H; You, S; Foster, L K; Farris, J; Choi, Y J; Foster, D N

    2001-01-01

    We have used differential display PCR to study altered gene expression in immortalized chicken embryo fibroblasts (CEFs) that have been established in our laboratory. This technique resulted in the cloning of a novel counterpart of the previously cloned chicken dimerization cofactor of hepatocyte nuclear factor (HNF)-1 (cDcoH), which was identified as cDcoHalpha. The steady-state mRNA levels of cDcoHalpha were up-regulated in all immortal CEFs tested compared with primary CEF cells. cDcoH and cDcoHalpha showed opposite patterns of mRNA expression due to differential regulation of transcription rates, but not mRNA half-lives, in primary and immortal CEFs. Expression of cDcoHalpha increased in the late G1 and early S phases of the cell cycle, while cDcoH mRNA increased in the late S and G2/M phases. In contrast with consistent expression of both genes in primary quiescent cells, cDcoH mRNA, but not cDcoHalpha mRNA, was dramatically decreased in primary senescent cells. The highest levels of cDcoHalpha mRNA were found in the kidney, liver, heart and ovarian follicles, while the major tissues expressing cDcoH were hypothalamus, kidney and liver. cDcoH and cDcoHalpha probes did not cross-hybridize to human hepatocyte mRNA. When transfected into human HepG2 cells, both cDcoH and cDcoHalpha showed similar functional activity as measured by increased expression of a reporter gene, as well as alpha-fetoprotein and albumin genes that both contain HNF-1 binding elements in their promoters. Our results suggest that the novel chicken DcoHalpha might function as a transcriptional cofactor for HNF-1 in specific cellular-environmental states. PMID:11237869

  2. DCO-VIVO: A Collaborative Data Platform for the Deep Carbon Science Communities

    NASA Astrophysics Data System (ADS)

    Wang, H.; Chen, Y.; West, P.; Erickson, J. S.; Ma, X.; Fox, P. A.

    2014-12-01

    Deep Carbon Observatory (DCO) is a decade-long scientific endeavor to understand carbon in the complex deep Earth system. Thousands of DCO scientists from institutions across the globe are organized into communities representing four domains of exploration: Extreme Physics and Chemistry, Reservoirs and Fluxes, Deep Energy, and Deep Life. Cross-community and cross-disciplinary collaboration is one of the most distinctive features in DCO's flexible research framework. VIVO is an open-source Semantic Web platform that facilitates cross-institutional researcher and research discovery. it includes a number of standard ontologies that interconnect people, organizations, publications, activities, locations, and other entities of research interest to enable browsing, searching, visualizing, and generating Linked Open (research) Data. The DCO-VIVO solution expedites research collaboration between DCO scientists and communities. Based on DCO's specific requirements, the DCO Data Science team developed a series of extensions to the VIVO platform including extending the VIVO information model, extended query over the semantic information within VIVO, integration with other open source collaborative environments and data management systems, using single sign-on, assigning of unique Handles to DCO objects, and publication and dataset ingesting extensions using existing publication systems. We present here the iterative development of these requirements that are now in daily use by the DCO community of scientists for research reporting, information sharing, and resource discovery in support of research activities and program management.

  3. Interactions with the Bifunctional Interface of the Transcriptional Coactivator DCoH1 Are Kinetically Regulated

    DOE PAGES

    Wang, Dongli; Coco, Matthew W.; Rose, Robert B.

    2014-12-23

    Pterin-4a-carbinolamine dehydratase (PCD) is a highly conserved enzyme that evolved a second, unrelated function in mammals, as a transcriptional coactivator. As a coactivator, PCD is known as DCoH or dimerization cofactor of the transcription factor HNF-1. These two activities are associated with a change in oligomeric state: from two dimers interacting as an enzyme in the cytoplasm to a dimer interacting with a dimer of HNF-1 in the nucleus. The same interface of DCoH forms both complexes. To determine how DCoH partitions between its two functions, we studied in this paper the folding and stability of the DCoH homotetramer. Wemore » show that the DCoH1 homotetramer is kinetically trapped, meaning once it forms it will not dissociate to interact with HNF-1. In contrast, DCoH2, a paralog of DCoH1, unfolds within hours. A simple mutation in the interface of DCoH2 from Ser-51 to Thr, as found in DCoH1, increases the kinetic stability by 9 orders of magnitude, to τ½ ~2 million years. This suggests that the DCoH1·HNF-1 complex must co-fold to interact. We conclude that simple mutations can dramatically affect the dissociation kinetics of a complex. Residue 51 represents a “kinetic hot spot” instead of a “thermodynamic hot spot.” Kinetic regulation allows PCD to adopt two distinct functions. Finally, mutations in DCoH1 associated with diabetes affect both functions of DCoH1, perhaps by disrupting the balance between the two DCoH complexes.« less

  4. Fluid therapy LiDCO controlled trial-optimization of volume resuscitation of extensively burned patients through noninvasive continuous real-time hemodynamic monitoring LiDCO.

    PubMed

    Tokarik, Monika; Sjöberg, Folke; Balik, Martin; Pafcuga, Igor; Broz, Ludomir

    2013-01-01

    This pilot trial aims at gaining support for the optimization of acute burn resuscitation through noninvasive continuous real-time hemodynamic monitoring using arterial pulse contour analysis. A group of 21 burned patients meeting preliminary criteria (age range 18-75 years with second- third- degree burns and TBSA ≥10-75%) was randomized during 2010. A hemodynamic monitoring through lithium dilution cardiac output was used in 10 randomized patients (LiDCO group), whereas those without LiDCO monitoring were defined as the control group. The modified Brooke/Parkland formula as a starting resuscitative formula, balanced crystalloids as the initial solutions, urine output of 0.5 ml/kg/hr as a crucial value of adequate intravascular filling were used in both groups. Additionally, the volume and vasopressor/inotropic support were based on dynamic preload parameters in the LiDCO group in the case of circulatory instability and oligouria. Statistical analysis was done using t-tests. Within the first 24 hours postburn, a significantly lower consumption of crystalloids was registered in LiDCO group (P = .04). The fluid balance under LiDCO control in combination with hourly diuresis contributed to reducing the cumulative fluid balance approximately by 10% compared with fluid management based on standard monitoring parameters. The amount of applied solutions in the LiDCO group got closer to Brooke formula whereas the urine output was at the same level in both groups (0.8 ml/kg/hr). The new finding in this study is that when a fluid resuscitation is based on the arterial waveform analysis, the initial fluid volume provided was significantly lower than that delivered on the basis of physician-directed fluid resuscitation (by urine output and mean arterial pressure).

  5. Probing midplane CO abundance and gas temperature with DCO+ in the protoplanetary disk around HD 169142

    NASA Astrophysics Data System (ADS)

    Carney, M. T.; Fedele, D.; Hogerheijde, M. R.; Favre, C.; Walsh, C.; Bruderer, S.; Miotello, A.; Murillo, N. M.; Klaassen, P. D.; Henning, Th.; van Dishoeck, E. F.

    2018-06-01

    Context. Physical and chemical processes in protoplanetary disks affect the disk structure and the midplane environment within which planets form. The simple deuterated molecular cation DCO+ has been proposed to act as a tracer of the disk midplane conditions. Aims: This work aims to understand which midplane conditions are probed by the DCO+ emission in the disk around the Herbig Ae star HD 169142. We explore the sensitivity of the DCO+ formation pathways to gas temperature and CO abundance. Methods: The DCO+ J = 3-2 transition was observed with Atacama Large Millimeter/submillimeter Array at a spatial resolution of 0.3'' (35 AU at 117 pc). We modeled the DCO+ emission in HD 169142 with a physical disk structure adapted from the literature, and employed a simple deuterium chemical network to investigate the formation of DCO+ through the cold deuterium fractionation pathway via H2D+. Parameterized models are used to modify the gas temperature and CO abundance structure of the disk midplane to test their effect on DCO+ production. Contributions from the warm deuterium fractionation pathway via CH2D+ are approximated using a constant abundance in the intermediate disk layers. Results: The DCO+ line is detected in the HD 169142 disk with a total integrated line flux of 730 ± 73 mJy km s-1. The radial intensity profile reveals a warm, inner component of the DCO+ emission at radii ≲30 AU and a broad, ring-like structure from 50-230 AU with a peak at 100 AU just beyond the edge of the millimeter grain distribution. Parameterized models show that alterations to the midplane gas temperature and CO abundance are both needed to recover the observed DCO+ radial intensity profile. The alterations are relative to the fiducial physical structure of the literature model constrained by dust and CO observations. The best-fit model contains a shadowed, cold midplane in the region z/r < 0.1 with an 8 K decrease in Tgas and a factor of five CO depletion just beyond the millimeter

  6. DOUBLE DCO{sup +} RINGS REVEAL CO ICE DESORPTION IN THE OUTER DISK AROUND IM LUP

    DOE Office of Scientific and Technical Information (OSTI.GOV)

    Öberg, Karin I.; Loomis, Ryan; Andrews, Sean M.

    2015-09-10

    In a protoplanetary disk, a combination of thermal and non-thermal desorption processes regulate where volatiles are liberated from icy grain mantles into the gas phase. Non-thermal desorption should result in volatile-enriched gas in disk-regions where complete freeze-out is otherwise expected. We present Atacama Large Millimeter/Submillimeter Array observations of the disk around the young star IM Lup in 1.4 mm continuum, C{sup 18}O 2–1, H{sup 13}CO{sup +} 3–2 and DCO{sup +} 3–2 emission at ∼0.″5 resolution. The images of these dust and gas tracers are clearly resolved. The DCO{sup +} line exhibits a striking pair of concentric rings of emission thatmore » peak at radii of ∼0.″6 and 2″ (∼90 and 300 AU, respectively). Based on disk chemistry model comparison, the inner DCO{sup +} ring is associated with the balance of CO freeze-out and thermal desorption due to a radial decrease in disk temperature. The outer DCO{sup +} ring is explained by non-thermal desorption of CO ice in the low-column-density outer disk, repopulating the disk midplane with cold CO gas. The CO gas then reacts with abundant H{sub 2}D{sup +} to form the observed DCO{sup +} outer ring. These observations demonstrate that spatially resolved DCO{sup +} emission can be used to trace otherwise hidden cold gas reservoirs in the outmost disk regions, opening a new window onto their chemistry and kinematics.« less

  7. An ALMA Survey of DCN/H13CN and DCO+/H13CO+ in Protoplanetary Disks

    NASA Astrophysics Data System (ADS)

    Huang, Jane; Öberg, Karin I.; Qi, Chunhua; Aikawa, Yuri; Andrews, Sean M.; Furuya, Kenji; Guzmán, Viviana V.; Loomis, Ryan A.; van Dishoeck, Ewine F.; Wilner, David J.

    2017-02-01

    The deuterium enrichment of molecules is sensitive to their formation environment. Constraining patterns of deuterium chemistry in protoplanetary disks is therefore useful for probing how material is inherited or reprocessed throughout the stages of star and planet formation. We present ALMA observations at ˜0.″6 resolution of DCO+, H13CO+, DCN, and H13CN in the full disks around T Tauri stars AS 209 and IM Lup, in the transition disks around T Tauri stars V4046 Sgr and LkCa 15, and in the full disks around Herbig Ae stars MWC 480 and HD 163296. We also present ALMA observations of HCN in the IM Lup disk. DCN, DCO+, and H13CO+ are detected in all disks, and H13CN in all but the IM Lup disk. We find efficient deuterium fractionation for the sample, with estimates of disk-averaged DCO+/HCO+ and DCN/HCN abundance ratios ranging from ˜0.02-0.06 and ˜0.005-0.08, respectively, which is comparable to values reported for other interstellar environments. The relative distributions of DCN and DCO+ vary between disks, suggesting that multiple formation pathways may be needed to explain the diverse emission morphologies. In addition, gaps and rings observed in both H13CO+ and DCO+ emission provide new evidence that DCO+ bears a complex relationship with the location of the midplane CO snowline.

  8. Massive and Distant Clusters of WISE Survey (MaDCoWS)

    NASA Astrophysics Data System (ADS)

    Brodwin, Mark; MaDCoWS Collaboration

    2018-06-01

    The Massive and Distant Clusters of WISE Survey (MaDCoWS) is a comprehensive program to detect and characterize the most massive galaxy clusters in the Universe at z ~ 1, and is the only all-sky survey sensitive to galaxy clusters at this epoch. The foundation for this program is data from the NASA Wide-field Infrared Survey Explorer (WISE). The primary goal is to study the evolution of massive galaxies in the most overdense environments at z > 1 when star formation and AGN activity may be peaking in these structures. Spitzer follow-up imaging of 2000 MaDCoWS clusters has allowed us to select the richest and/or most distant clusters for detailed study. To date we have spectroscopically confirmed over 35 MaDCoWS clusters, spanning a wide range of masses (2-11 x 10^14 Msun), out to z = 1.5. This includes the discovery of the most massive z > 1.15 cluster found to date, as well as a cluster at z = 1.23 that is lensing a z = 2.22 supernova Ia. Multiwavelength follow-up observations of these distant clusters, currently underway, will permit several novel studies of galaxy evolution in rich cluster environments at z > 1.

  9. DCoE in Action. Volume 4, Number 6, June 2011. Community Partnerships: Working Together to Support Service Members, Veterans, Families

    DTIC Science & Technology

    2011-06-01

    worldwide in the war on terrorism. U.S. Air Force photo by Staff Sgt. Bennie J. Davis III DCoE Real Warriors Campaign DCoE Real Warriors Campaign DCoE...resilience, recovery and reintegration, it can often be hard for them to choose what best fits their needs,” said Dr. Lolita O’Donnell, deputy director...Force photo by Airman 1st Class Clayton Lenhardt See INITIATIVE on Page 5 new s R esilience  R ecovery  R eintegration 3 DCoE in ActionVol. 4 No

  10. PAPR reduction based on tone reservation scheme for DCO-OFDM indoor visible light communications.

    PubMed

    Bai, Jurong; Li, Yong; Yi, Yang; Cheng, Wei; Du, Huimin

    2017-10-02

    High peak-to-average power ratio (PAPR) leads to out-of-band power and in-band distortion in the direct current-biased optical orthogonal frequency division multiplexing (DCO-OFDM) systems. In order to effectively reduce the PAPR with faster convergence and lower complexity, this paper proposes a tone reservation based scheme, which is the combination of the signal-to-clipping noise ratio (SCR) procedure and the least squares approximation (LSA) procedure. In the proposed scheme, the transmitter of the DCO-OFDM indoor visible light communication (VLC) system is designed to transform the PAPR reduced signal into real-valued positive OFDM signal without doubling the transmission bandwidth. Moreover, the communication distance and the light emitting diode (LED) irradiance angle are taking into consideration in the evaluation of the system bit error rate (BER). The PAPR reduction efficiency of the proposed scheme is remarkable for DCO-OFDM indoor VLC systems.

  11. Weight-correction of carbon dioxide diffusion coefficient (DCO2 ) reduces its inter-individual variability and improves its correlation with blood carbon dioxide levels in neonates receiving high-frequency oscillatory ventilation.

    PubMed

    Belteki, Gusztav; Lin, Benjamin; Morley, Colin J

    2017-10-01

    Carbon-dioxide elimination during high-frequency oscillatory ventilation (HFOV) is thought to be proportional to the carbon dioxide diffusion coefficient (DCO 2 ) which is calculated as frequency x (tidal volume) 2 . DCO 2 can be used to as an indicator of CO 2 elimination but values obtained in different patients cannot be directly compared. To analyze the relationship between DCO 2 , the weight-corrected DCO 2 (DCO 2 corr) and blood gas PCO 2 values obtained from infants receiving HFOV. DCO 2 data were obtained from 14 infants at 1/s sampling rate and the mean DCO 2 was determined over 10 min periods preceding the time of the blood gas. DCO 2 corr was calculated by dividing the DCO 2 by the square of the body weight in kg. Weight-correction significantly reduced the inter-individual variability of DCO 2 . When data from all the babies were combined, standard DCO 2 showed no correlation with PCO 2 but DCO 2 corr showed a weak but statistically significant inverse correlation. The correlation was better when the endotracheal leak was <10%. There was significant inverse but weaker correlation between the HFOV tidal volume (VThf) and the PCO 2 . In any baby, DCO 2 corr >50 mL 2 /sec/kg 2 or VThf > 2.5 mL/kg was rarely needed to avoid hypercapnia. Weight-correction of DCO 2 values improved its comparability between patients. Weight-corrected DCO 2 correlated better with PCO 2 than uncorrected DCO 2 but the correlation was weak. © 2017 Wiley Periodicals, Inc.

  12. Distributed All-Optical Sensor to Detect dCO2 in Aqueous Environments

    NASA Astrophysics Data System (ADS)

    Bhatia, S.; Coelho, J.; Melo, L.; Davies, B.; Ahmed, F.; Bao, B.; Wild, P.; Risk, D. A.; Sinton, D.; Jun, M.

    2012-12-01

    Already a proven technology for temperature and stress measurements, an all-optical sensor to detect dCO2 is being developed for deployment in challenging environments. Optical sensors function under high pressure, do not require electronics and therefore experience no magnetic interference. They are also able to transmit signals over long distances with minimal losses. The dCO2 sensor's principal application is in measurement monitoring and verification of carbon capture and storage sites; however, it could also be useful in ocean, fresh water, and transition environments. The objective for the first phase of development was to detect a CO2 signal in laboratory tests. The developmental program incorporated experiments to detect CO2 under high pressure (1400 psi) in aqueous environments. Laboratory testing involved a custom pressure cell, off-the-shelf and custom long period gratings written in SMF125 fiber. Femptosecond laser micromachining was used to test alternative long period grating (LPG) and cutout shapes to maximize evanescent field interaction with the environment. A comprehensive program of geochemical modeling using PHREEQC 2 was used to identify the diversity of species in environments of interest that could exert confounding influence. Purchased UV-LPG responded to changes in concentration of scCO2 in brine at high pressure. Signal differences between CO2-saturated brine and pure brine were also noted under the same, high pressure conditions. Geochemical modeling software, PHREEQC 2, revealed a diversity of species in environments of interest whose concentrations varied strongly with temperature and pH. The modeling program's detailed characterization of environments informed work currently being undertaken as part of Phase 2, to develop a CO2-selective membrane to filter out measurement artifact.

  13. Patients undergoing PCI from the femoral route by default radial operators are at high risk of vascular access-site complications.

    PubMed

    Rafie, Ihsan M; Uddin, Muez M; Ossei-Gerning, Nicholas; Anderson, Richard A; Kinnaird, Timothy D

    2014-02-01

    Radial artery (RA) access for PCI has a lower incidence of vascular access-site (VAS) complications than the femoral artery (FA) approach. However, even for default radial operators certain patients are intervened upon from the FA. We examined the demographics and incidence of VAS complications when default radial operators resort to the FA for PCI. The demographics and VAS complications were compared by access site retrospectively for all PCI cases performed by default radial operators (n=1,392). A modified ACUITY trial definition of major VAS complication was used. FA puncture occurred in 25.2% (351/1,392) of cases. Patients were more likely to be female, older and weigh less than patients undergoing PCI from the RA. The FA procedure was likely to be more complex with larger sheaths, more left main stem, graft and multivessel intervention, and there was a greater proportion of emergency cases. Despite increased case complexity, glycoprotein inhibitors were used less frequently in femoral cases (26.5% vs. 36.8%, p<0.001). A VAS complication occurred in 12.5% (44/351) of cases. The risk factors for access-site bleeding are disproportionately high in the population requiring FA puncture by default radial operators, and as a result such patients have a high rate of vascular access-site complications.

  14. DCO+, DCN, and N2D+ reveal three different deuteration regimes in the disk around the Herbig Ae star HD 163296

    NASA Astrophysics Data System (ADS)

    Salinas, V. N.; Hogerheijde, M. R.; Mathews, G. S.; Öberg, K. I.; Qi, C.; Williams, J. P.; Wilner, D. J.

    2017-10-01

    Context. Deuterium fractionation has been used to study the thermal history of prestellar environments. Their formation pathways trace different regions of the disk and may shed light into the physical structure of the disk, including locations of important features for planetary formation. Aims: We aim to constrain the radial extent of the main deuterated species; we are particularly interested in spatially characterizing the high and low temperature pathways for enhancing deuteration of these species. Methods: We observed the disk surrounding the Herbig Ae star HD 163296 using ALMA in Band 6 and obtained resolved spectral imaging data of DCO+ (J = 3 - 2), DCN (J = 3 - 2) and N2D+ (J = 3 - 2) with synthesized beam sizes of 0.̋53 × 0.̋42, 0.̋53 × 0.̋42, and 0.̋50 × 0.̋39, respectively. We adopted a physical model of the disk from the literature and use the 3D radiative transfer code LIME to estimate an excitation temperature profile for our detected lines. We modeled the radial emission profiles of DCO+, DCN, and N2D+, assuming their emission is optically thin, using a parametric model of their abundances and our excitation temperature estimates. Results: DCO+ can be described by a three-region model with constant-abundance rings centered at 70 AU, 150 AU, and 260 AU. The DCN radial profile peaks at about 60 AU and N2D+ is seen in a ring at 160 AU. Simple models of both molecules using constant abundances reproduce the data. Assuming reasonable average excitation temperatures for the whole disk, their disk-averaged column densities (and deuterium fractionation ratios) are 1.6-2.6×1012 cm-2 (0.04-0.07), 2.9-5.2×1012 cm-2 ( 0.02), and 1.6-2.5×1011 cm-2 (0.34-0.45) for DCO+, DCN, and N2D+, respectively. Conclusions: Our simple best-fit models show a correlation between the radial location of the first two rings in DCO+ and the DCN and N2D+ abundance distributions that can be interpreted as the high and low temperature deuteration pathways regimes. The

  15. Default from tuberculosis treatment in Tashkent, Uzbekistan; who are these defaulters and why do they default?

    PubMed

    Hasker, Epco; Khodjikhanov, Maksad; Usarova, Shakhnoz; Asamidinov, Umid; Yuldashova, Umida; van der Werf, Marieke J; Uzakova, Gulnoz; Veen, Jaap

    2008-07-22

    In Tashkent (Uzbekistan), TB treatment is provided in accordance with the DOTS strategy. Of 1087 pulmonary TB patients started on treatment in 2005, 228 (21%) defaulted. This study investigates who the defaulters in Tashkent are, when they default and why they default. We reviewed the records of 126 defaulters (cases) and 132 controls and collected information on time of default, demographic factors, social factors, potential risk factors for default, characteristics of treatment and recorded reasons for default. Unemployment, being a pensioner, alcoholism and homelessness were associated with default. Patients defaulted mostly during the intensive phase, while they were hospitalized (61%), or just before they were to start the continuation phase (26%). Reasons for default listed in the records were various, 'Refusal of further treatment' (27%) and 'Violation of hospital rules' (18%) were most frequently recorded. One third of the recorded defaulters did not really default but continued treatment under 'non-DOTS' conditions. Whereas patient factors such as unemployment, being a pensioner, alcoholism and homelessness play a role, there are also system factors that need to be addressed to reduce default. Such system factors include the obligatory admission in TB hospitals and the inadequately organized transition from hospitalized to ambulatory treatment.

  16. Default from tuberculosis treatment in Tashkent, Uzbekistan; Who are these defaulters and why do they default?

    PubMed Central

    Hasker, Epco; Khodjikhanov, Maksad; Usarova, Shakhnoz; Asamidinov, Umid; Yuldashova, Umida; Werf, Marieke J van der; Uzakova, Gulnoz; Veen, Jaap

    2008-01-01

    Background In Tashkent (Uzbekistan), TB treatment is provided in accordance with the DOTS strategy. Of 1087 pulmonary TB patients started on treatment in 2005, 228 (21%) defaulted. This study investigates who the defaulters in Tashkent are, when they default and why they default. Methods We reviewed the records of 126 defaulters (cases) and 132 controls and collected information on time of default, demographic factors, social factors, potential risk factors for default, characteristics of treatment and recorded reasons for default. Results Unemployment, being a pensioner, alcoholism and homelessness were associated with default. Patients defaulted mostly during the intensive phase, while they were hospitalized (61%), or just before they were to start the continuation phase (26%). Reasons for default listed in the records were various, 'Refusal of further treatment' (27%) and 'Violation of hospital rules' (18%) were most frequently recorded. One third of the recorded defaulters did not really default but continued treatment under 'non-DOTS' conditions. Conclusion Whereas patient factors such as unemployment, being a pensioner, alcoholism and homelessness play a role, there are also system factors that need to be addressed to reduce default. Such system factors include the obligatory admission in TB hospitals and the inadequately organized transition from hospitalized to ambulatory treatment. PMID:18647400

  17. Determinants of Default in P2P Lending

    PubMed Central

    2015-01-01

    This paper studies P2P lending and the factors explaining loan default. This is an important issue because in P2P lending individual investors bear the credit risk, instead of financial institutions, which are experts in dealing with this risk. P2P lenders suffer a severe problem of information asymmetry, because they are at a disadvantage facing the borrower. For this reason, P2P lending sites provide potential lenders with information about borrowers and their loan purpose. They also assign a grade to each loan. The empirical study is based on loans’ data collected from Lending Club (N = 24,449) from 2008 to 2014 that are first analyzed by using univariate means tests and survival analysis. Factors explaining default are loan purpose, annual income, current housing situation, credit history and indebtedness. Secondly, a logistic regression model is developed to predict defaults. The grade assigned by the P2P lending site is the most predictive factor of default, but the accuracy of the model is improved by adding other information, especially the borrower’s debt level. PMID:26425854

  18. Determinants of Default in P2P Lending.

    PubMed

    Serrano-Cinca, Carlos; Gutiérrez-Nieto, Begoña; López-Palacios, Luz

    2015-01-01

    This paper studies P2P lending and the factors explaining loan default. This is an important issue because in P2P lending individual investors bear the credit risk, instead of financial institutions, which are experts in dealing with this risk. P2P lenders suffer a severe problem of information asymmetry, because they are at a disadvantage facing the borrower. For this reason, P2P lending sites provide potential lenders with information about borrowers and their loan purpose. They also assign a grade to each loan. The empirical study is based on loans' data collected from Lending Club (N = 24,449) from 2008 to 2014 that are first analyzed by using univariate means tests and survival analysis. Factors explaining default are loan purpose, annual income, current housing situation, credit history and indebtedness. Secondly, a logistic regression model is developed to predict defaults. The grade assigned by the P2P lending site is the most predictive factor of default, but the accuracy of the model is improved by adding other information, especially the borrower's debt level.

  19. On the Inference of the Cosmic-ray Ionization Rate ζ from the HCO+-to-DCO+ Abundance Ratio: The Effect of Nuclear Spin

    NASA Astrophysics Data System (ADS)

    Shingledecker, Christopher N.; Bergner, Jennifer B.; Le Gal, Romane; Öberg, Karin I.; Hincelin, Ugo; Herbst, Eric

    2016-10-01

    The chemistry of dense interstellar regions was analyzed using a time-dependent gas-grain astrochemical simulation and a new chemical network that incorporates deuterated chemistry, taking into account nuclear spin states for the hydrogen chemistry and its deuterated isotopologues. With this new network, the utility of the [HCO+]/[DCO+] abundance ratio as a probe of the cosmic-ray ionization rate has been re-examined, with special attention paid to the effect of the initial value of the ortho-to-para ratio (OPR) of molecular hydrogen. After discussing the use of the probe for cold cores, we compare our results with previous theoretical and observational results for a molecular cloud close to the supernova remnant W51C, which is thought to have an enhanced cosmic-ray ionization rate ζ caused by the nearby γ-ray source. In addition, we attempt to use our approach to estimate the cosmic-ray ionization rate for L1174, a dense core with an embedded star. Beyond the previously known sensitivity of [HCO+]/[DCO+] to ζ, we demonstrate its additional dependence on the initial OPR and, secondarily, on the age of the source, its temperature, and its density. We conclude that the usefulness of the [HCO+]/[DCO+] abundance ratio in constraining the cosmic-ray ionization rate in dense regions increases with the age of the source and the ionization rate as the ratio becomes far less sensitive to the initial value of the OPR.

  20. 76 FR 69333 - Derivatives Clearing Organization General Provisions and Core Principles

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-11-08

    ...The Commodity Futures Trading Commission (Commission) is adopting final regulations to implement certain provisions of Title VII and Title VIII of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) governing derivatives clearing organization (DCO) activities. More specifically, the regulations establish the regulatory standards for compliance with DCO Core Principles A (Compliance), B (Financial Resources), C (Participant and Product Eligibility), D (Risk Management), E (Settlement Procedures), F (Treatment of Funds), G (Default Rules and Procedures), H (Rule Enforcement), I (System Safeguards), J (Reporting), K (Recordkeeping), L (Public Information), M (Information Sharing), N (Antitrust Considerations), and R (Legal Risk) set forth in Section 5b of the Commodity Exchange Act (CEA). The Commission also is updating and adding related definitions; adopting implementing rules for DCO chief compliance officers (CCOs); revising procedures for DCO applications including the required use of a new Form DCO; adopting procedural rules applicable to the transfer of a DCO registration; and adding requirements for approval of DCO rules establishing a portfolio margining program for customer accounts carried by a futures commission merchant (FCM) that is also registered as a securities broker-dealer (FCM/BD). In addition, the Commission is adopting certain technical amendments to parts 21 and 39, and is adopting certain delegation provisions under part 140.

  1. Qualitative study of perceived causes of tuberculosis treatment default among health care workers in Morocco.

    PubMed

    Kizub, D; Ghali, I; Sabouni, R; Bourkadi, J E; Bennani, K; El Aouad, R; Dooley, K E

    2012-09-01

    In Morocco, tuberculosis (TB) treatment default is increasing in some urban areas. To provide a detailed description of factors that contribute to patient default and solutions from the point of view of health care professionals who participate in TB care. In-depth interviews were conducted with 62 physicians and nurses at nine regional public pulmonary clinics and local health clinics. Participants had a median of 24 years of experience in health care. Treatment default was seen as a result of multilevel factors related to the patient (lack of means, being a migrant worker, distance to treatment site, poor understanding of treatment, drug use, mental illness), medical team (high patient load, low motivation, lack of resources for tracking defaulters), treatment organization (poor communication between treatment sites, no systematic strategy for patient education or tracking, incomplete record keeping), and health care system and society. Tailored recommendations for low- and higher-cost interventions are provided. Interventions to enhance TB treatment completion should take into account the local context and multilevel factors that contribute to default. Qualitative studies involving health care workers directly involved in TB care can be powerful tools to identify contributing factors and define strategies to help reduce treatment default.

  2. ON THE INFERENCE OF THE COSMIC-RAY IONIZATION RATE ζ FROM THE HCO{sup +}-to-DCO{sup +} ABUNDANCE RATIO: THE EFFECT OF NUCLEAR SPIN

    DOE Office of Scientific and Technical Information (OSTI.GOV)

    Shingledecker, Christopher N.; Le Gal, Romane; Hincelin, Ugo

    2016-10-20

    The chemistry of dense interstellar regions was analyzed using a time-dependent gas–grain astrochemical simulation and a new chemical network that incorporates deuterated chemistry, taking into account nuclear spin states for the hydrogen chemistry and its deuterated isotopologues. With this new network, the utility of the [HCO{sup +}]/[DCO{sup +}] abundance ratio as a probe of the cosmic-ray ionization rate has been re-examined, with special attention paid to the effect of the initial value of the ortho-to-para ratio (OPR) of molecular hydrogen. After discussing the use of the probe for cold cores, we compare our results with previous theoretical and observational resultsmore » for a molecular cloud close to the supernova remnant W51C, which is thought to have an enhanced cosmic-ray ionization rate ζ caused by the nearby γ -ray source. In addition, we attempt to use our approach to estimate the cosmic-ray ionization rate for L1174, a dense core with an embedded star. Beyond the previously known sensitivity of [HCO{sup +}]/[DCO{sup +}] to ζ , we demonstrate its additional dependence on the initial OPR and, secondarily, on the age of the source, its temperature, and its density. We conclude that the usefulness of the [HCO{sup +}]/[DCO{sup +}] abundance ratio in constraining the cosmic-ray ionization rate in dense regions increases with the age of the source and the ionization rate as the ratio becomes far less sensitive to the initial value of the OPR.« less

  3. Treatment Default amongst Patients with Tuberculosis in Urban Morocco: Predicting and Explaining Default and Post-Default Sputum Smear and Drug Susceptibility Results

    PubMed Central

    Ghali, Iraqi; Kizub, Darya; Billioux, Alexander C.; Bennani, Kenza; Bourkadi, Jamal Eddine; Benmamoun, Abderrahmane; Lahlou, Ouafae; Aouad, Rajae El; Dooley, Kelly E.

    2014-01-01

    Setting Public tuberculosis (TB) clinics in urban Morocco. Objective Explore risk factors for TB treatment default and develop a prediction tool. Assess consequences of default, specifically risk for transmission or development of drug resistance. Design Case-control study comparing patients who defaulted from TB treatment and patients who completed it using quantitative methods and open-ended questions. Results were interpreted in light of health professionals’ perspectives from a parallel study. A predictive model and simple tool to identify patients at high risk of default were developed. Sputum from cases with pulmonary TB was collected for smear and drug susceptibility testing. Results 91 cases and 186 controls enrolled. Independent risk factors for default included current smoking, retreatment, work interference with adherence, daily directly observed therapy, side effects, quick symptom resolution, and not knowing one’s treatment duration. Age >50 years, never smoking, and having friends who knew one’s diagnosis were protective. A simple scoring tool incorporating these factors was 82.4% sensitive and 87.6% specific for predicting default in this population. Clinicians and patients described additional contributors to default and suggested locally-relevant intervention targets. Among 89 cases with pulmonary TB, 71% had sputum that was smear positive for TB. Drug resistance was rare. Conclusion The causes of default from TB treatment were explored through synthesis of qualitative and quantitative data from patients and health professionals. A scoring tool with high sensitivity and specificity to predict default was developed. Prospective evaluation of this tool coupled with targeted interventions based on our findings is warranted. Of note, the risk of TB transmission from patients who default treatment to others is likely to be high. The commonly-feared risk of drug resistance, though, may be low; a larger study is required to confirm these findings

  4. Treatment default amongst patients with tuberculosis in urban Morocco: predicting and explaining default and post-default sputum smear and drug susceptibility results.

    PubMed

    Cherkaoui, Imad; Sabouni, Radia; Ghali, Iraqi; Kizub, Darya; Billioux, Alexander C; Bennani, Kenza; Bourkadi, Jamal Eddine; Benmamoun, Abderrahmane; Lahlou, Ouafae; Aouad, Rajae El; Dooley, Kelly E

    2014-01-01

    Public tuberculosis (TB) clinics in urban Morocco. Explore risk factors for TB treatment default and develop a prediction tool. Assess consequences of default, specifically risk for transmission or development of drug resistance. Case-control study comparing patients who defaulted from TB treatment and patients who completed it using quantitative methods and open-ended questions. Results were interpreted in light of health professionals' perspectives from a parallel study. A predictive model and simple tool to identify patients at high risk of default were developed. Sputum from cases with pulmonary TB was collected for smear and drug susceptibility testing. 91 cases and 186 controls enrolled. Independent risk factors for default included current smoking, retreatment, work interference with adherence, daily directly observed therapy, side effects, quick symptom resolution, and not knowing one's treatment duration. Age >50 years, never smoking, and having friends who knew one's diagnosis were protective. A simple scoring tool incorporating these factors was 82.4% sensitive and 87.6% specific for predicting default in this population. Clinicians and patients described additional contributors to default and suggested locally-relevant intervention targets. Among 89 cases with pulmonary TB, 71% had sputum that was smear positive for TB. Drug resistance was rare. The causes of default from TB treatment were explored through synthesis of qualitative and quantitative data from patients and health professionals. A scoring tool with high sensitivity and specificity to predict default was developed. Prospective evaluation of this tool coupled with targeted interventions based on our findings is warranted. Of note, the risk of TB transmission from patients who default treatment to others is likely to be high. The commonly-feared risk of drug resistance, though, may be low; a larger study is required to confirm these findings.

  5. Cohort Default Rate Guide.

    ERIC Educational Resources Information Center

    Department of Education, Washington, DC. Default Management Div.

    This guide is designed to assist schools with their Federal Family Education Loan Program (FFEL) and the William D. Ford Federal Direct Loan (Direct Loan) Program cohort default rate. The guide is a reference tool in understanding cohort default rates and processes. This guide incorporates two former guides, the "Draft Cohort Default Rate…

  6. 17 CFR 201.155 - Default; motion to set aside default.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 17 Commodity and Securities Exchanges 2 2010-04-01 2010-04-01 false Default; motion to set aside default. 201.155 Section 201.155 Commodity and Securities Exchanges SECURITIES AND EXCHANGE COMMISSION... instituting proceedings, the allegations of which may be deemed to be true, if that party fails: (1) To appear...

  7. 76 FR 33817 - Protection of Cleared Swaps Customer Contracts and Collateral; Conforming Amendments to the...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-06-09

    ...-defaulting cleared swaps customers for risk management reasons. If the DCO makes such a choice, it would... risk management standpoint. Id. 4. Benefits a. Fellow-Customer Risk and Investment Risk In general... 22 and 190 Protection of Cleared Swaps Customer Contracts and Collateral; Conforming Amendments to...

  8. Default neglect in attempts at social influence.

    PubMed

    Zlatev, Julian J; Daniels, David P; Kim, Hajin; Neale, Margaret A

    2017-12-26

    Current theories suggest that people understand how to exploit common biases to influence others. However, these predictions have received little empirical attention. We consider a widely studied bias with special policy relevance: the default effect, which is the tendency to choose whichever option is the status quo. We asked participants (including managers, law/business/medical students, and US adults) to nudge others toward selecting a target option by choosing whether to present that target option as the default. In contrast to theoretical predictions, we find that people often fail to understand and/or use defaults to influence others, i.e., they show "default neglect." First, in one-shot default-setting games, we find that only 50.8% of participants set the target option as the default across 11 samples ( n = 2,844), consistent with people not systematically using defaults at all. Second, when participants have multiple opportunities for experience and feedback, they still do not systematically use defaults. Third, we investigate beliefs related to the default effect. People seem to anticipate some mechanisms that drive default effects, yet most people do not believe in the default effect on average, even in cases where they do use defaults. We discuss implications of default neglect for decision making, social influence, and evidence-based policy.

  9. 78 FR 50259 - Derivatives Clearing Organizations and International Standards

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-08-16

    ... Principle D (Risk Management) and regulation 39.13; Core Principle G (Default Rules and Procedures) and...: Risk Management Core Principle D requires a DCO to ensure that it possesses the ability to manage the...: Principle 2 (Governance); Principle 3 (Framework for the comprehensive management of risks); Principle 4...

  10. 19 CFR 210.16 - Default.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 19 Customs Duties 3 2010-04-01 2010-04-01 false Default. 210.16 Section 210.16 Customs Duties UNITED STATES INTERNATIONAL TRADE COMMISSION INVESTIGATIONS OF UNFAIR PRACTICES IN IMPORT TRADE ADJUDICATION AND ENFORCEMENT Motions § 210.16 Default. (a) Definition of default. (1) A party shall be found in...

  11. 19 CFR 210.16 - Default.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 19 Customs Duties 3 2011-04-01 2011-04-01 false Default. 210.16 Section 210.16 Customs Duties UNITED STATES INTERNATIONAL TRADE COMMISSION INVESTIGATIONS OF UNFAIR PRACTICES IN IMPORT TRADE ADJUDICATION AND ENFORCEMENT Motions § 210.16 Default. (a) Definition of default. (1) A party shall be found in...

  12. 19 CFR 210.16 - Default.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 19 Customs Duties 3 2013-04-01 2013-04-01 false Default. 210.16 Section 210.16 Customs Duties UNITED STATES INTERNATIONAL TRADE COMMISSION INVESTIGATIONS OF UNFAIR PRACTICES IN IMPORT TRADE ADJUDICATION AND ENFORCEMENT Motions § 210.16 Default. (a) Definition of default. (1) A party shall be found in...

  13. 19 CFR 210.16 - Default.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 19 Customs Duties 3 2014-04-01 2014-04-01 false Default. 210.16 Section 210.16 Customs Duties UNITED STATES INTERNATIONAL TRADE COMMISSION INVESTIGATIONS OF UNFAIR PRACTICES IN IMPORT TRADE ADJUDICATION AND ENFORCEMENT Motions § 210.16 Default. (a) Definition of default. (1) A party shall be found in...

  14. 10 CFR 110.110 - Default.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 10 Energy 2 2010-01-01 2010-01-01 false Default. 110.110 Section 110.110 Energy NUCLEAR REGULATORY COMMISSION (CONTINUED) EXPORT AND IMPORT OF NUCLEAR EQUIPMENT AND MATERIAL Hearings § 110.110 Default. When a participant fails to act within a specified time, the presiding officer may consider him in default, issue an...

  15. 24 CFR 26.41 - Default.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ...) General. The respondent may be found in default, upon motion, for failure to file a timely response to the Government's complaint. The motion shall include a copy of the complaint and a proposed default order, and... motion. (b) Default order. The ALJ shall issue a decision on the motion within 15 days after the...

  16. Monitoring transient elastic energy storage within the rotary motors of single FoF1-ATP synthase by DCO-ALEX FRET

    NASA Astrophysics Data System (ADS)

    Ernst, Stefan; Düser, Monika G.; Zarrabi, Nawid; Börsch, Michael

    2012-03-01

    The enzyme FoF1-ATP synthase provides the 'chemical energy currency' adenosine triphosphate (ATP) for living cells. Catalysis is driven by mechanochemical coupling of subunit rotation within the enzyme with conformational changes in the three ATP binding sites. Proton translocation through the membrane-bound Fo part of ATP synthase powers a 10-step rotary motion of the ring of c subunits. This rotation is transmitted to the γ and ɛ subunits of the F1 part. Because γ and ɛ subunits rotate in 120° steps, we aim to unravel this symmetry mismatch by real time monitoring subunit rotation using single-molecule Förster resonance energy transfer (FRET). One fluorophore is attached specifically to the F1 motor, another one to the Fo motor of the liposome-reconstituted enzyme. Photophysical artifacts due to spectral fluctuations of the single fluorophores are minimized by a previously developed duty cycle-optimized alternating laser excitation scheme (DCO-ALEX). We report the detection of reversible elastic deformations between the rotor parts of Fo and F1 and estimate the maximum angular displacement during the load-free rotation using Monte Carlo simulations.

  17. 46 CFR 298.41 - Remedies after default.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 46 Shipping 8 2011-10-01 2011-10-01 false Remedies after default. 298.41 Section 298.41 Shipping... Defaults and Remedies, Reporting Requirements, Applicability of Regulations § 298.41 Remedies after default... governing remedies after a default, which relate to our rights and duties, the rights and duties of the...

  18. 46 CFR 298.41 - Remedies after default.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 46 Shipping 8 2010-10-01 2010-10-01 false Remedies after default. 298.41 Section 298.41 Shipping... Defaults and Remedies, Reporting Requirements, Applicability of Regulations § 298.41 Remedies after default... governing remedies after a default, which relate to our rights and duties, the rights and duties of the...

  19. 34 CFR 668.204 - Draft cohort default rates and your ability to challenge before official cohort default rates are...

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 34 Education 3 2011-07-01 2011-07-01 false Draft cohort default rates and your ability to... OF EDUCATION STUDENT ASSISTANCE GENERAL PROVISIONS Cohort Default Rates § 668.204 Draft cohort.... (1) We notify you of your draft cohort default rate before your official cohort default rate is...

  20. 34 CFR 668.204 - Draft cohort default rates and your ability to challenge before official cohort default rates are...

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... 34 Education 3 2012-07-01 2012-07-01 false Draft cohort default rates and your ability to... OF EDUCATION STUDENT ASSISTANCE GENERAL PROVISIONS Cohort Default Rates § 668.204 Draft cohort.... (1) We notify you of your draft cohort default rate before your official cohort default rate is...

  1. 34 CFR 668.204 - Draft cohort default rates and your ability to challenge before official cohort default rates are...

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... 34 Education 3 2014-07-01 2014-07-01 false Draft cohort default rates and your ability to... OF EDUCATION STUDENT ASSISTANCE GENERAL PROVISIONS Cohort Default Rates § 668.204 Draft cohort.... (1) We notify you of your draft cohort default rate before your official cohort default rate is...

  2. 34 CFR 668.204 - Draft cohort default rates and your ability to challenge before official cohort default rates are...

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 34 Education 3 2013-07-01 2013-07-01 false Draft cohort default rates and your ability to... OF EDUCATION STUDENT ASSISTANCE GENERAL PROVISIONS Cohort Default Rates § 668.204 Draft cohort.... (1) We notify you of your draft cohort default rate before your official cohort default rate is...

  3. 34 CFR 668.185 - Draft cohort default rates and your ability to challenge before official cohort default rates are...

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... 34 Education 3 2014-07-01 2014-07-01 false Draft cohort default rates and your ability to... OF EDUCATION STUDENT ASSISTANCE GENERAL PROVISIONS Two Year Cohort Default Rates § 668.185 Draft...) General. (1) We notify you of your draft cohort default rate before your official cohort default rate is...

  4. 34 CFR 668.185 - Draft cohort default rates and your ability to challenge before official cohort default rates are...

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 34 Education 3 2011-07-01 2011-07-01 false Draft cohort default rates and your ability to... OF EDUCATION STUDENT ASSISTANCE GENERAL PROVISIONS Two Year Cohort Default Rates § 668.185 Draft...) General. (1) We notify you of your draft cohort default rate before your official cohort default rate is...

  5. 34 CFR 668.185 - Draft cohort default rates and your ability to challenge before official cohort default rates are...

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 34 Education 3 2013-07-01 2013-07-01 false Draft cohort default rates and your ability to... OF EDUCATION STUDENT ASSISTANCE GENERAL PROVISIONS Two Year Cohort Default Rates § 668.185 Draft...) General. (1) We notify you of your draft cohort default rate before your official cohort default rate is...

  6. 34 CFR 668.185 - Draft cohort default rates and your ability to challenge before official cohort default rates are...

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... 34 Education 3 2012-07-01 2012-07-01 false Draft cohort default rates and your ability to... OF EDUCATION STUDENT ASSISTANCE GENERAL PROVISIONS Two Year Cohort Default Rates § 668.185 Draft...) General. (1) We notify you of your draft cohort default rate before your official cohort default rate is...

  7. Drug addiction and alcoholism as predictors for tuberculosis treatment default in Brazil: a prospective cohort study.

    PubMed

    Silva, M R; Pereira, J C; Costa, R R; Dias, J A; Guimarães, M D C; Leite, I C G

    2017-12-01

    This study aimed to evaluate the risk factors for tuberculosis (TB) treatment default in a priority city for disease control in Brazil. A cohort of TB cases diagnosed from 2008 to 2009 was followed up from patients' entry into three outpatient sites, in Juiz de Fora, Minas Gerais (Brazil), until the recording of the outcomes. Drug addiction, alcoholism and treatment site appeared to be independently associated with default. Current users of crack as the hardest drug (odds ratio (OR) 12·25, 95% confidence interval (CI) 3·04-49·26) were more likely to default than other hard drug users (OR 5·67, 95% CI 1·34-24·03), former users (OR 4·12, 95% CI 1·11-15·20) and those not known to use drugs (reference group). Consumers at high risk of alcoholism (OR 2·94, 95% CI 1·08-7·99) and those treated in an outpatient hospital unit (OR 8·22, 95% CI 2·79-24·21%) also were more likely to default. Our results establish that substance abuse was independently associated with default. National TB programmes might be more likely to achieve their control targets if they include interventions aimed at improving adherence and cure rates, by diagnosing and treating substance abuse concurrently with standard TB therapy.

  8. Numerical ability predicts mortgage default

    PubMed Central

    Gerardi, Kristopher; Goette, Lorenz; Meier, Stephan

    2013-01-01

    Unprecedented levels of US subprime mortgage defaults precipitated a severe global financial crisis in late 2008, plunging much of the industrialized world into a deep recession. However, the fundamental reasons for why US mortgages defaulted at such spectacular rates remain largely unknown. This paper presents empirical evidence showing that the ability to perform basic mathematical calculations is negatively associated with the propensity to default on one’s mortgage. We measure several aspects of financial literacy and cognitive ability in a survey of subprime mortgage borrowers who took out loans in 2006 and 2007, and match them to objective, detailed administrative data on mortgage characteristics and payment histories. The relationship between numerical ability and mortgage default is robust to controlling for a broad set of sociodemographic variables, and is not driven by other aspects of cognitive ability. We find no support for the hypothesis that numerical ability impacts mortgage outcomes through the choice of the mortgage contract. Rather, our results suggest that individuals with limited numerical ability default on their mortgage due to behavior unrelated to the initial choice of their mortgage. PMID:23798401

  9. Numerical ability predicts mortgage default.

    PubMed

    Gerardi, Kristopher; Goette, Lorenz; Meier, Stephan

    2013-07-09

    Unprecedented levels of US subprime mortgage defaults precipitated a severe global financial crisis in late 2008, plunging much of the industrialized world into a deep recession. However, the fundamental reasons for why US mortgages defaulted at such spectacular rates remain largely unknown. This paper presents empirical evidence showing that the ability to perform basic mathematical calculations is negatively associated with the propensity to default on one's mortgage. We measure several aspects of financial literacy and cognitive ability in a survey of subprime mortgage borrowers who took out loans in 2006 and 2007, and match them to objective, detailed administrative data on mortgage characteristics and payment histories. The relationship between numerical ability and mortgage default is robust to controlling for a broad set of sociodemographic variables, and is not driven by other aspects of cognitive ability. We find no support for the hypothesis that numerical ability impacts mortgage outcomes through the choice of the mortgage contract. Rather, our results suggest that individuals with limited numerical ability default on their mortgage due to behavior unrelated to the initial choice of their mortgage.

  10. Factors associated with default from treatment among tuberculosis patients in nairobi province, Kenya: A case control study

    PubMed Central

    2011-01-01

    Background Successful treatment of tuberculosis (TB) involves taking anti-tuberculosis drugs for at least six months. Poor adherence to treatment means patients remain infectious for longer, are more likely to relapse or succumb to tuberculosis and could result in treatment failure as well as foster emergence of drug resistant tuberculosis. Kenya is among countries with high tuberculosis burden globally. The purpose of this study was to determine the duration tuberculosis patients stay in treatment before defaulting and factors associated with default in Nairobi. Methods A Case-Control study; Cases were those who defaulted from treatment and Controls those who completed treatment course between January 2006 and March 2008. All (945) defaulters and 1033 randomly selected controls from among 5659 patients who completed treatment course in 30 high volume sites were enrolled. Secondary data was collected using a facility questionnaire. From among the enrolled, 120 cases and 154 controls were randomly selected and interviewed to obtain primary data not routinely collected. Data was analyzed using SPSS and Epi Info statistical software. Univariate and multivariate logistic regression analysis to determine association and Kaplan-Meier method to determine probability of staying in treatment over time were applied. Results Of 945 defaulters, 22.7% (215) and 20.4% (193) abandoned treatment within first and second months (intensive phase) of treatment respectively. Among 120 defaulters interviewed, 16.7% (20) attributed their default to ignorance, 12.5% (15) to traveling away from treatment site, 11.7% (14) to feeling better and 10.8% (13) to side-effects. On multivariate analysis, inadequate knowledge on tuberculosis (OR 8.67; 95% CI 1.47-51.3), herbal medication use (OR 5.7; 95% CI 1.37-23.7), low income (OR 5.57, CI 1.07-30.0), alcohol abuse (OR 4.97; 95% CI 1.56-15.9), previous default (OR 2.33; 95% CI 1.16-4.68), co-infection with Human immune-deficient Virus (HIV) (OR 1

  11. 24 CFR 886.314 - Financial default.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 24 Housing and Urban Development 4 2010-04-01 2010-04-01 false Financial default. 886.314 Section... Program for the Disposition of HUD-Owned Projects § 886.314 Financial default. In the event of a financial... payments to the mortgagee until such time as the default is cured, or until some other time agreeable to...

  12. Default Trends in Major Postsecondary Education Sectors.

    ERIC Educational Resources Information Center

    Merisotis, Jamie P.

    1988-01-01

    Information on GSL defaults in five states is reviewed: California, Illinois, Massachusetts, New Jersey, and Pennsylvania. Default rates are defined and levels of default are examined using a variety of analytical methods. (Author/MLW)

  13. Default risk modeling with position-dependent killing

    NASA Astrophysics Data System (ADS)

    Katz, Yuri A.

    2013-04-01

    Diffusion in a linear potential in the presence of position-dependent killing is used to mimic a default process. Different assumptions regarding transport coefficients, initial conditions, and elasticity of the killing measure lead to diverse models of bankruptcy. One “stylized fact” is fundamental for our consideration: empirically default is a rather rare event, especially in the investment grade categories of credit ratings. Hence, the action of killing may be considered as a small parameter. In a number of special cases we derive closed-form expressions for the entire term structure of the cumulative probability of default, its hazard rate, and intensity. Comparison with historical data on aggregate global corporate defaults confirms the validity of the perturbation method for estimations of long-term probability of default for companies with high credit quality. On a single company level, we implement the derived formulas to estimate the one-year likelihood of default of Enron on a daily basis from August 2000 to August 2001, three months before its default, and compare the obtained results with forecasts of traditional structural models.

  14. A Study of the Impact of Default Management Practices and Other Factors on Student Loan Default Rates in Public Two-Year Community Colleges

    ERIC Educational Resources Information Center

    Daniels, Randell W.

    2013-01-01

    Default management practices and their relationship to the student loan default rate in public two-year community colleges was the focus of this investigation. Five research questions regarding written default management plans, default management practices, process management, accountability, and other factors impacting default guided the study.…

  15. 7 CFR 2201.33 - Defaults.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Defaults. 2201.33 Section 2201.33 Agriculture Regulations of the Department of Agriculture (Continued) LOCAL TELEVISION LOAN GUARANTEE BOARD LOCAL TELEVISION LOAN GUARANTEE PROGRAM-PROGRAM REGULATIONS Loan Guarantees § 2201.33 Defaults. (a) In determining...

  16. 7 CFR 1980.470 - Defaults by borrower.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 7 Agriculture 14 2010-01-01 2009-01-01 true Defaults by borrower. 1980.470 Section 1980.470...) PROGRAM REGULATIONS (CONTINUED) GENERAL Business and Industrial Loan Program § 1980.470 Defaults by... property management. A. In case of any monetary or significant non-monetary default under the loan...

  17. 7 CFR 3575.75 - Defaults by borrower.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Defaults by borrower. 3575.75 Section 3575.75... AGRICULTURE GENERAL Community Programs Guaranteed Loans § 3575.75 Defaults by borrower. (a) Lender... default. The lender will continue to keep the Agency informed on a bimonthly basis until such time as the...

  18. 39 CFR 963.11 - Default.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 39 Postal Service 1 2010-07-01 2010-07-01 false Default. 963.11 Section 963.11 Postal Service UNITED STATES POSTAL SERVICE PROCEDURES RULES OF PRACTICE IN PROCEEDINGS RELATIVE TO VIOLATIONS OF THE PANDERING ADVERTISEMENTS STATUTE, 39 U.S.C. 3008 § 963.11 Default. If a petitioner, without notice or cause...

  19. Cohort Default Rates in Context

    ERIC Educational Resources Information Center

    Looney, Shannon M.

    2011-01-01

    Burgeoning student loan debt indicates problems not only for the country's borrowers but also for the postsecondary system. The rise in student loan defaults signifies a rise in institutional cohort default rates (CDRs)--a measure of accountability that informs the government and the general public how well an institution prepares its students for…

  20. 10 CFR 800.304 - Default.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 10 Energy 4 2011-01-01 2011-01-01 false Default. 800.304 Section 800.304 Energy DEPARTMENT OF ENERGY LOANS FOR BID OR PROPOSAL PREPARATION BY MINORITY BUSINESS ENTERPRISES SEEKING DOE CONTRACTS AND ASSISTANCE Loan Administration § 800.304 Default. (a) In the event that the borrower fails to perform the...

  1. 7 CFR 4287.145 - Default by borrower.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Default by borrower. 4287.145 Section 4287.145... Loans § 4287.145 Default by borrower. (a) The lender must notify the Agency when a borrower is 30 days past due on a payment or is otherwise in default of the Loan Agreement. Form FmHA 1980-44, “Guaranteed...

  2. 33 CFR 20.310 - Default by respondent.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... Pleadings and Motions § 20.310 Default by respondent. (a) The ALJ may find a respondent in default upon failure to file a timely answer to the complaint or, after motion, upon failure to appear at a conference or hearing without good cause shown. (b) Each motion for default must conform to the rules of form...

  3. 33 CFR 20.310 - Default by respondent.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... Pleadings and Motions § 20.310 Default by respondent. (a) The ALJ may find a respondent in default upon failure to file a timely answer to the complaint or, after motion, upon failure to appear at a conference or hearing without good cause shown. (b) Each motion for default must conform to the rules of form...

  4. 13 CFR 120.938 - Default.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... investor for any premium paid. (b) If a CDC defaults on a Debenture, SBA generally shall limit its recovery to the payments made by the small business to the CDC on the loan made from the Debenture proceeds, and the collateral securing the defaulted loan. However, SBA will look to the CDC for the entire...

  5. 13 CFR 120.938 - Default.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... investor for any premium paid. (b) If a CDC defaults on a Debenture, SBA generally shall limit its recovery to the payments made by the small business to the CDC on the loan made from the Debenture proceeds, and the collateral securing the defaulted loan. However, SBA will look to the CDC for the entire...

  6. 13 CFR 120.938 - Default.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... investor for any premium paid. (b) If a CDC defaults on a Debenture, SBA generally shall limit its recovery to the payments made by the small business to the CDC on the loan made from the Debenture proceeds, and the collateral securing the defaulted loan. However, SBA will look to the CDC for the entire...

  7. 13 CFR 120.938 - Default.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... investor for any premium paid. (b) If a CDC defaults on a Debenture, SBA generally shall limit its recovery to the payments made by the small business to the CDC on the loan made from the Debenture proceeds, and the collateral securing the defaulted loan. However, SBA will look to the CDC for the entire...

  8. 13 CFR 120.938 - Default.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... investor for any premium paid. (b) If a CDC defaults on a Debenture, SBA generally shall limit its recovery to the payments made by the small business to the CDC on the loan made from the Debenture proceeds, and the collateral securing the defaulted loan. However, SBA will look to the CDC for the entire...

  9. 12 CFR 508.8 - Default.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Default. 508.8 Section 508.8 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY REMOVALS, SUSPENSIONS, AND PROHIBITIONS WHERE A CRIME IS CHARGED OR PROVEN § 508.8 Default. If the subject individual fails to file a petition for a...

  10. Default options and neonatal resuscitation decisions.

    PubMed

    Haward, Marlyse Frieda; Murphy, Ryan O; Lorenz, John M

    2012-12-01

    To determine whether presenting delivery room management options as defaults influences decisions to resuscitate extremely premature infants. Adult volunteers recruited from the world wide web were randomised to receive either resuscitation or comfort care as the delivery room management default option for a hypothetical delivery of a 23-week gestation infant. Participants were required to check a box to opt out of the default. The primary outcome measure was the proportion of respondents electing resuscitation. Data were analysed using χ(2) tests and multivariate logistic regression. Participants who were told the delivery room management default option was resuscitation were more likely to opt for resuscitation (OR 6.54 95% CI 3.85 to 11.11, p<0.001). This effect persisted on multivariate regression analysis (OR 7.00, 95% CI 3.97 to 12.36, p<0.001). Female gender, being married or in a committed relationship, being highly religious, experiences with prematurity, and favouring sanctity of life were significantly associated with decisions to resuscitate. Presenting delivery room options for extremely premature infants as defaults exert a significant effect on decision makers. The information structure of the choice task may act as a subtle form of manipulation. Further, this effect may operate in ways that a decision maker is not aware of and this raises questions of patient autonomy. Presenting delivery room options for extremely premature infants as defaults may compromise autonomous decision-making.

  11. Student Loan Defaults in Texas: Yesterday, Today, and Tomorrow.

    ERIC Educational Resources Information Center

    Webster, Jeff; Meyer, Don; Arnold, Adreinne

    In 1988, the Texas student aid community addressed the issue of defaults in the guaranteed student loan program, creating a strategic default initiative. In June 1998, this same group of student aid officials met again to examine the current status of defaults and to share ideas on ways to prevent defaults. This report was intended as a resource…

  12. 24 CFR 907.3 - Bases for substantial default.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 24 Housing and Urban Development 4 2013-04-01 2013-04-01 false Bases for substantial default. 907.3 Section 907.3 Housing and Urban Development REGULATIONS RELATING TO HOUSING AND URBAN DEVELOPMENT... DEVELOPMENT SUBSTANTIAL DEFAULT BY A PUBLIC HOUSING AGENCY § 907.3 Bases for substantial default. (a...

  13. 24 CFR 907.3 - Bases for substantial default.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 24 Housing and Urban Development 4 2011-04-01 2011-04-01 false Bases for substantial default. 907.3 Section 907.3 Housing and Urban Development REGULATIONS RELATING TO HOUSING AND URBAN DEVELOPMENT... DEVELOPMENT SUBSTANTIAL DEFAULT BY A PUBLIC HOUSING AGENCY § 907.3 Bases for substantial default. (a...

  14. 24 CFR 907.3 - Bases for substantial default.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 24 Housing and Urban Development 4 2012-04-01 2012-04-01 false Bases for substantial default. 907.3 Section 907.3 Housing and Urban Development REGULATIONS RELATING TO HOUSING AND URBAN DEVELOPMENT... DEVELOPMENT SUBSTANTIAL DEFAULT BY A PUBLIC HOUSING AGENCY § 907.3 Bases for substantial default. (a...

  15. Consumer default risk assessment in a banking institution

    NASA Astrophysics Data System (ADS)

    Costa e Silva, Eliana; Lopes, Isabel Cristina; Correia, Aldina; Faria, Susana

    2016-12-01

    Credit scoring is an application of financial risk forecasting to consumer lending. In this study, statistical analysis is applied to credit scoring data from a financial institution to evaluate the default risk of consumer loans. The default risk was found to be influenced by the spread, the age of the consumer, the number of credit cards owned by the consumer. A lower spread, a higher number of credit cards and a younger age of the borrower are factors that decrease the risk of default. Clients receiving the salary in the same banking institution of the loan have less chances of default than clients receiving their salary in another institution. We also found that clients in the lowest income tax echelon have more propensity to default.

  16. Determinants of Default from Tuberculosis Treatment among Patients with Drug-Susceptible Tuberculosis in Karachi, Pakistan: A Mixed Methods Study.

    PubMed

    Chida, Natasha; Ansari, Zara; Hussain, Hamidah; Jaswal, Maria; Symes, Stephen; Khan, Aamir J; Mohammed, Shama

    2015-01-01

    Non-adherence to tuberculosis therapy can lead to drug resistance, prolonged infectiousness, and death; therefore, understanding what causes treatment default is important. Pakistan has one of the highest burdens of tuberculosis in the world, yet there have been no qualitative studies in Pakistan that have specifically examined why default occurs. We conducted a mixed methods study at a tuberculosis clinic in Karachi to understand why patients with drug-susceptible tuberculosis default from treatment, and to identify factors associated with default. Patients attending this clinic pick up medications weekly and undergo family-supported directly observed therapy. In-depth interviews were administered to 21 patients who had defaulted. We also compared patients who defaulted with those who were cured, had completed, or had failed treatment in 2013. Qualitative analyses showed the most common reasons for default were the financial burden of treatment, and medication side effects and beliefs. The influence of finances on other causes of default was also prominent, as was concern about the effect of treatment on family members. In quantitative analysis, of 2120 patients, 301 (14.2%) defaulted. Univariate analysis found that male gender (OR: 1.34, 95% CI: 1.04-1.71), being 35-59 years of age (OR: 1.54, 95% CI: 1.14-2.08), or being 60 years of age or older (OR: 1.84, 95% CI: 1.17-2.88) were associated with default. After adjusting for gender, disease site, and patient category, being 35-59 years of age (aOR: 1.49, 95% CI: 1.10-2.03) or 60 years of age or older (aOR: 1.76, 95% CI: 1.12-2.77) were associated with default. In multivariate analysis age was the only variable associated with default. This lack of identifiable risk factors and our qualitative findings imply that default is complex and often due to extrinsic and medication-related factors. More tolerable medications, improved side effect management, and innovative cost-reduction measures are needed to reduce

  17. Nudge for (the Public) Good: How Defaults Can Affect Cooperation

    PubMed Central

    Fosgaard, Toke R.; Piovesan, Marco

    2015-01-01

    In this paper we test the effect of non-binding defaults on the level of contribution to a public good. We manipulate the default numbers appearing on the decision screen to nudge subjects toward a free-rider strategy or a perfect conditional cooperator strategy. Our results show that the vast majority of our subjects did not adopt the default numbers, but their stated strategy was affected by the default. Moreover, we find that our manipulation spilled over to a subsequent repeated public goods game where default was not manipulated. Here we found that subjects who previously saw the free rider default were significantly less cooperative than those who saw the perfect conditional cooperator default. PMID:26717569

  18. Nudge for (the Public) Good: How Defaults Can Affect Cooperation.

    PubMed

    Fosgaard, Toke R; Piovesan, Marco

    2015-01-01

    In this paper we test the effect of non-binding defaults on the level of contribution to a public good. We manipulate the default numbers appearing on the decision screen to nudge subjects toward a free-rider strategy or a perfect conditional cooperator strategy. Our results show that the vast majority of our subjects did not adopt the default numbers, but their stated strategy was affected by the default. Moreover, we find that our manipulation spilled over to a subsequent repeated public goods game where default was not manipulated. Here we found that subjects who previously saw the free rider default were significantly less cooperative than those who saw the perfect conditional cooperator default.

  19. The maturing architecture of the brain's default network

    PubMed Central

    Fair, Damien A.; Cohen, Alexander L.; Dosenbach, Nico U. F.; Church, Jessica A.; Miezin, Francis M.; Barch, Deanna M.; Raichle, Marcus E.; Petersen, Steven E.; Schlaggar, Bradley L.

    2008-01-01

    In recent years, the brain's “default network,” a set of regions characterized by decreased neural activity during goal-oriented tasks, has generated a significant amount of interest, as well as controversy. Much of the discussion has focused on the relationship of these regions to a “default mode” of brain function. In early studies, investigators suggested that, the brain's default mode supports “self-referential” or “introspective” mental activity. Subsequently, regions of the default network have been more specifically related to the “internal narrative,” the “autobiographical self,” “stimulus independent thought,” “mentalizing,” and most recently “self-projection.” However, the extant literature on the function of the default network is limited to adults, i.e., after the system has reached maturity. We hypothesized that further insight into the network's functioning could be achieved by characterizing its development. In the current study, we used resting-state functional connectivity MRI (rs-fcMRI) to characterize the development of the brain's default network. We found that the default regions are only sparsely functionally connected at early school age (7–9 years old); over development, these regions integrate into a cohesive, interconnected network. PMID:18322013

  20. 42 CFR 23.28 - What events constitute default?

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 42 Public Health 1 2012-10-01 2012-10-01 false What events constitute default? 23.28 Section 23.28... SERVICE CORPS Private Practice Special Loans for Former Corps Members § 23.28 What events constitute default? The following events will constitute defaults of the loan agreement: (a) Failure to make full...

  1. 42 CFR 23.28 - What events constitute default?

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 42 Public Health 1 2013-10-01 2013-10-01 false What events constitute default? 23.28 Section 23.28... SERVICE CORPS Private Practice Special Loans for Former Corps Members § 23.28 What events constitute default? The following events will constitute defaults of the loan agreement: (a) Failure to make full...

  2. 42 CFR 23.28 - What events constitute default?

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 42 Public Health 1 2010-10-01 2010-10-01 false What events constitute default? 23.28 Section 23.28... SERVICE CORPS Private Practice Special Loans for Former Corps Members § 23.28 What events constitute default? The following events will constitute defaults of the loan agreement: (a) Failure to make full...

  3. 42 CFR 23.28 - What events constitute default?

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 42 Public Health 1 2014-10-01 2014-10-01 false What events constitute default? 23.28 Section 23.28... SERVICE CORPS Private Practice Special Loans for Former Corps Members § 23.28 What events constitute default? The following events will constitute defaults of the loan agreement: (a) Failure to make full...

  4. 45 CFR 672.10 - Default order.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... Welfare Regulations Relating to Public Welfare (Continued) NATIONAL SCIENCE FOUNDATION ENFORCEMENT AND..., an admission of all facts alleged in the complaint and a waiver of respondent's right to a hearing on... with the Hearing Clerk. (c) Contents of a default order. A default order shall include findings of fact...

  5. 45 CFR 672.10 - Default order.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... Welfare Regulations Relating to Public Welfare (Continued) NATIONAL SCIENCE FOUNDATION ENFORCEMENT AND..., an admission of all facts alleged in the complaint and a waiver of respondent's right to a hearing on... with the Hearing Clerk. (c) Contents of a default order. A default order shall include findings of fact...

  6. 45 CFR 672.10 - Default order.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... Welfare Regulations Relating to Public Welfare (Continued) NATIONAL SCIENCE FOUNDATION ENFORCEMENT AND..., an admission of all facts alleged in the complaint and a waiver of respondent's right to a hearing on... with the Hearing Clerk. (c) Contents of a default order. A default order shall include findings of fact...

  7. 45 CFR 672.10 - Default order.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... Welfare Regulations Relating to Public Welfare (Continued) NATIONAL SCIENCE FOUNDATION ENFORCEMENT AND..., an admission of all facts alleged in the complaint and a waiver of respondent's right to a hearing on... with the Hearing Clerk. (c) Contents of a default order. A default order shall include findings of fact...

  8. 45 CFR 672.10 - Default order.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... Welfare Regulations Relating to Public Welfare (Continued) NATIONAL SCIENCE FOUNDATION ENFORCEMENT AND..., an admission of all facts alleged in the complaint and a waiver of respondent's right to a hearing on... with the Hearing Clerk. (c) Contents of a default order. A default order shall include findings of fact...

  9. 29 CFR 4043.34 - Loan default.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... Relating to Labor (Continued) PENSION BENEFIT GUARANTY CORPORATION PLAN TERMINATIONS REPORTABLE EVENTS AND CERTAIN OTHER NOTIFICATION REQUIREMENTS Post-Event Notice of Reportable Events § 4043.34 Loan default. (a) Reportable event. A reportable event occurs for a plan whenever there is a default by a member of the plan's...

  10. 29 CFR 4043.34 - Loan default.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... Relating to Labor (Continued) PENSION BENEFIT GUARANTY CORPORATION PLAN TERMINATIONS REPORTABLE EVENTS AND CERTAIN OTHER NOTIFICATION REQUIREMENTS Post-Event Notice of Reportable Events § 4043.34 Loan default. (a) Reportable event. A reportable event occurs for a plan whenever there is a default by a member of the plan's...

  11. 29 CFR 4043.34 - Loan default.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... Relating to Labor (Continued) PENSION BENEFIT GUARANTY CORPORATION PLAN TERMINATIONS REPORTABLE EVENTS AND CERTAIN OTHER NOTIFICATION REQUIREMENTS Post-Event Notice of Reportable Events § 4043.34 Loan default. (a) Reportable event. A reportable event occurs for a plan whenever there is a default by a member of the plan's...

  12. 29 CFR 4043.34 - Loan default.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... Relating to Labor (Continued) PENSION BENEFIT GUARANTY CORPORATION PLAN TERMINATIONS REPORTABLE EVENTS AND CERTAIN OTHER NOTIFICATION REQUIREMENTS Post-Event Notice of Reportable Events § 4043.34 Loan default. (a) Reportable event. A reportable event occurs for a plan whenever there is a default by a member of the plan's...

  13. 29 CFR 4043.34 - Loan default.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... Relating to Labor (Continued) PENSION BENEFIT GUARANTY CORPORATION PLAN TERMINATIONS REPORTABLE EVENTS AND CERTAIN OTHER NOTIFICATION REQUIREMENTS Post-Event Notice of Reportable Events § 4043.34 Loan default. (a) Reportable event. A reportable event occurs for a plan whenever there is a default by a member of the plan's...

  14. Determinants of default from pulmonary tuberculosis treatment in Kuwait.

    PubMed

    Zhang, Qing; Gaafer, Mohamed; El Bayoumy, Ibrahim

    2014-01-01

    To determine the prevalence and risk factors of default from pulmonary tuberculosis treatment in Kuwait. Retrospective study. We studied all patients who were registered for pulmonary tuberculosis treatment between January 1, 2010, and December 31, 2012, and admitted into TB wards in El Rashid Center or treated in the outpatient clinic in TB Control Unit. There were 110 (11.5%) patients who defaulted from treatment. Fifty-six percent of those who defaulted did so in the first 2 months of treatment and 86.4% of them were still bacteriologically positive at the time of default. Key risk factors associated with noncompliance were male sex, low educational level, non-Kuwaiti nations, history of default, and history of concomitant diabetes mellitus, liver disease, or lung cancer. Multiple drug resistance was also associated with default from treatment. Default from treatment may be partially responsible for the persistent relatively high rates of tuberculosis in Kuwait. Health professionals and policy makers should ensure that all barriers to treatment are removed and that incentives are used to encourage treatment compliance.

  15. Time of default in tuberculosis patients on directly observed treatment.

    PubMed

    Pardeshi, Geeta S

    2010-09-01

    Default remains an important challenge for the Revised National Tuberculosis Control Programme, which has achieved improved cure rates. This study describes the pattern of time of default in patients on DOTS. Tuberculosis Unit in District Tuberculosis Centre, Yavatmal, India; Retrospective cohort study. This analysis was done among the cohort of patients of registered at the Tuberculosis Unit during the year 2004. The time of default was assessed from the tuberculosis register. The sputum smear conversion and treatment outcome were also assessed. Kaplan-Meier plots and log rank tests. Overall, the default rate amongst the 716 patients registered at the Tuberculosis Unit was 10.33%. There was a significant difference in the default rate over time between the three DOTS categories (log rank statistic= 15.49, P=0.0004). Amongst the 331 smear-positive patients, the cumulative default rates at the end of intensive phase were 4% and 16%; while by end of treatment period, the default rates were 6% and 31% in category I and category II, respectively. A majority of the smear-positive patients in category II belonged to the group 'treatment after default' (56/95), and 30% of them defaulted during re-treatment. The sputum smear conversion rate at the end of intensive phase was 84%. Amongst 36 patients without smear conversion at the end of intensive phase, 55% had treatment failure. Patients defaulting in intensive phase of treatment and without smear conversion at the end of intensive phase should be retrieved on a priority basis. Default constitutes not only a major reason for patients needing re-treatment but also a risk for repeated default.

  16. Who Defaults on Their Student Loan?

    ERIC Educational Resources Information Center

    Lee, John B.

    1990-01-01

    Introduces a risk index that provides a way to understand the human dimension of student loan defaults. It correlates with default and the type of school attended and relates to the amount borrowed and help received from others during repayment. Students with high risk scores borrow smaller amounts and are less likely to be helped by others. (JOW)

  17. Determinants of Default from Tuberculosis Treatment among Patients with Drug-Susceptible Tuberculosis in Karachi, Pakistan: A Mixed Methods Study

    PubMed Central

    Chida, Natasha; Ansari, Zara; Hussain, Hamidah; Jaswal, Maria; Symes, Stephen; Khan, Aamir J.; Mohammed, Shama

    2015-01-01

    Purpose Non-adherence to tuberculosis therapy can lead to drug resistance, prolonged infectiousness, and death; therefore, understanding what causes treatment default is important. Pakistan has one of the highest burdens of tuberculosis in the world, yet there have been no qualitative studies in Pakistan that have specifically examined why default occurs. We conducted a mixed methods study at a tuberculosis clinic in Karachi to understand why patients with drug-susceptible tuberculosis default from treatment, and to identify factors associated with default. Patients attending this clinic pick up medications weekly and undergo family-supported directly observed therapy. Methods In-depth interviews were administered to 21 patients who had defaulted. We also compared patients who defaulted with those who were cured, had completed, or had failed treatment in 2013. Results Qualitative analyses showed the most common reasons for default were the financial burden of treatment, and medication side effects and beliefs. The influence of finances on other causes of default was also prominent, as was concern about the effect of treatment on family members. In quantitative analysis, of 2120 patients, 301 (14.2%) defaulted. Univariate analysis found that male gender (OR: 1.34, 95% CI: 1.04–1.71), being 35–59 years of age (OR: 1.54, 95% CI: 1.14–2.08), or being 60 years of age or older (OR: 1.84, 95% CI: 1.17–2.88) were associated with default. After adjusting for gender, disease site, and patient category, being 35–59 years of age (aOR: 1.49, 95% CI: 1.10–2.03) or 60 years of age or older (aOR: 1.76, 95% CI: 1.12–2.77) were associated with default. Conclusions In multivariate analysis age was the only variable associated with default. This lack of identifiable risk factors and our qualitative findings imply that default is complex and often due to extrinsic and medication-related factors. More tolerable medications, improved side effect management, and innovative

  18. Risk Factors and Mortality Associated with Default from Multidrug-Resistant Tuberculosis Treatment

    PubMed Central

    Franke, Molly F.; Appleton, Sasha C.; Bayona, Jaime; Arteaga, Fernando; Palacios, Eda; Llaro, Karim; Shin, Sonya S.; Becerra, Mercedes C.; Murray, Megan B.; Mitnick, Carole D.

    2008-01-01

    Background Completing treatment for multidrug-resistant (MDR) tuberculosis (TB) may be more challenging than completing first-line TB therapy, especially in resource poor settings. The objectives of this study were to (1) identify risk factors for default from MDR TB therapy; (2) quantify mortality among patients who default; and (3) identify risk factors for death following default. Methods We performed a retrospective chart review to identify risk factors for default and conducted home visits to assess mortality among patients who defaulted. Results 67 of 671 patients (10.0%) defaulted. The median time to default was 438 days (interquartile range [IQR]: 152−710), and 40.3% of patients had culture-positive sputum at the time of default. Substance use (hazard ratio [HR]: 2.96, 95% confidence interval [CI]: [1.56, 5.62], p-value [p]=0.001), substandard housing conditions (HR: 1.83, CI: [1.07, 3.11], p=0.03), later year of enrollment (HR: 1.62, CI: [1.09, 2.41], p=0.02) and health district (p=0.02) predicted default in a multivariable analysis. Severe adverse events did not predict default. Of 47 (70.1%) patients who defaulted and were successfully traced, 25 (53.2%) had died. Poor bacteriologic response, less than a year of treatment at default, low education level, and diagnosis with a psychiatric disorder significantly predicted death after default in a multivariable analysis. Conclusions The proportion of patients who defaulted from MDR TB treatment was relatively low. The large proportion of patients who defaulted while culture-positive underscores the public health importance of minimizing default. Prognosis for patients who defaulted was poor. Interventions aimed at preventing default may reduce TB-related mortality. PMID:18462099

  19. Risk factors and mortality associated with default from multidrug-resistant tuberculosis treatment.

    PubMed

    Franke, Molly F; Appleton, Sasha C; Bayona, Jaime; Arteaga, Fernando; Palacios, Eda; Llaro, Karim; Shin, Sonya S; Becerra, Mercedes C; Murray, Megan B; Mitnick, Carole D

    2008-06-15

    Completing treatment for multidrug-resistant (MDR) tuberculosis (TB) may be more challenging than completing first-line TB therapy, especially in resource-poor settings. The objectives of this study were to (1) identify risk factors for default from MDR TB therapy (defined as prolonged treatment interruption), (2) quantify mortality among patients who default from treatment, and (3) identify risk factors for death after default from treatment. We performed a retrospective chart review to identify risk factors for default from MDR TB therapy and conducted home visits to assess mortality among patients who defaulted from such therapy. Sixty-seven (10.0%) of 671 patients defaulted from MDR TB therapy. The median time to treatment default was 438 days (interquartile range, 152-710 days), and 27 (40.3%) of the 67 patients who defaulted from treatment had culture-positive sputum at the time of default. Substance use (hazard ratio, 2.96; 95% confidence interval, 1.56-5.62; P = .001), substandard housing conditions (hazard ratio, 1.83; 95% confidence interval, 1.07-3.11; P = .03), later year of enrollment (hazard ratio, 1.62, 95% confidence interval, 1.09-2.41; P = .02), and health district (P = .02) predicted default from therapy in a multivariable analysis. Severe adverse events did not predict default from therapy. Forty-seven (70.1%) of 67 patients who defaulted from therapy were successfully traced; of these, 25 (53.2%) had died. Poor bacteriologic response, <1 year of treatment at the time of default, low education level, and diagnosis with a psychiatric disorder significantly predicted death after default in a multivariable analysis. The proportion of patients who defaulted from MDR TB treatment was relatively low. The large proportion of patients who had culture-positive sputum at the time of treatment default underscores the public health importance of minimizing treatment default. Prognosis for patients who defaulted from therapy was poor. Interventions aimed at

  20. True status of smear-positive pulmonary tuberculosis defaulters in Malawi.

    PubMed Central

    Kruyt, M. L.; Kruyt, N. D.; Boeree, M. J.; Harries, A. D.; Salaniponi, F. M.; van Noord, P. A.

    1999-01-01

    The article reports the results of a study to determine the true outcome of 8 months of treatment received by smear-positive pulmonary tuberculosis (PTB) patients who had been registered as defaulters in the Queen Elizabeth Central Hospital (QECH) and Mlambe Mission Hospital (MMH), Blantyre, Malawi. The treatment outcomes were documented from the tuberculosis registers of all patients registered between 1 October 1994 and 30 September 1995. The true treatment outcome for patients who had been registered as defaulters was determined by making personal inquiries at the treatment units and the residences of patients or relatives and, in a few cases, by writing to the appropriate postal address. Interviews were carried out with patients who had defaulted and were still alive and with matched, fully compliant PTB patients who had successfully completed the treatment to determine the factors associated with defaulter status. Of the 1099 patients, 126 (11.5%) had been registered as defaulters, and the true treatment outcome was determined for 101 (80%) of the latter; only 22 were true defaulters, 31 had completed the treatment, 31 had died during the treatment period, and 17 had left the area. A total of 8 of the 22 true defaulters were still alive and were compared with the compliant patients. Two significant characteristics were associated with the defaulters; they were unmarried; and they did not know the correct duration of antituberculosis treatment. Many of the smear-positive tuberculosis patients who had been registered as defaulters in the Blantyre district were found to have different treatment outcomes, without defaulting. The quality of reporting in the health facilities must therefore be improved in order to exclude individuals who are not true defaulters. PMID:10361755

  1. Default patterns of patients attending clinics for sexually transmitted diseases.

    PubMed Central

    Mahony, J D; Bevan, J; Wall, B

    1978-01-01

    The influence of gender, propaganda, and treatment methods was studied in relation to default behaviour of patients with sexually transmitted diseases. The overall default rate of men and women was similar, but a larger proportion of men defaulted after the initial visit, while the biggest fall-out in women was after the second attendance at the clinic. The institution of a propaganda campaign was followed by a reduction in defaulting. The statistical significance of this is open to question, however: moreover the observed improvement in default rate was not maintained once the propaganda had been relaxed. Men treated for non-gonococcal urethritis by a regimen which included one injection a week for three weeks showed a highly significantly lower default rate compared with those who received tablets alone. PMID:580413

  2. Time varying default barrier as an agreement rules on bond contract

    NASA Astrophysics Data System (ADS)

    Maruddani, Di Asih I.; Safitri, Diah; Hoyyi, Abdul

    2018-05-01

    There are some default time rules on contract agreement of a bond. The classical default time is known as Merton Model. The most important characteristic of Merton’s model is the restriction of default time to the maturity of the debt, not taking into consideration the possibility of an early default. If the firm’s value falls down to minimal level before the maturity of the debt, but it is able to recover and meet the debt’s payment at maturity, the default would be avoided in Merton’ s approach. Merton model has been expanded by Hull & White [6] and Avellaneda & Zhu [1]. They introduced time-varying default barrier for modelling distance to default process. This model use time-varying variable as a barrier. In this paper, we give a valuation of a bond with time-varying default barrier agreement. We use straight forward integration for obtaining equity and liability equation. This theory is applied in Indonesian corporate bond.

  3. 7 CFR 1779.75 - Defaults by borrower.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 7 Agriculture 12 2010-01-01 2010-01-01 false Defaults by borrower. 1779.75 Section 1779.75 Agriculture Regulations of the Department of Agriculture (Continued) RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE (CONTINUED) WATER AND WASTE DISPOSAL PROGRAMS GUARANTEED LOANS § 1779.75 Defaults by borrower. (a...

  4. 34 CFR 668.217 - Default prevention plans.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Default prevention plans. 668.217 Section 668.217 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION STUDENT ASSISTANCE GENERAL PROVISIONS Cohort Default Rates § 668.217...

  5. 29 CFR 2570.5 - Consequences of default.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 29 Labor 9 2010-07-01 2010-07-01 false Consequences of default. 2570.5 Section 2570.5 Labor Regulations Relating to Labor (Continued) EMPLOYEE BENEFITS SECURITY ADMINISTRATION, DEPARTMENT OF LABOR... ERISA Section 502(i) § 2570.5 Consequences of default. For prohibited transaction penalty proceedings...

  6. 29 CFR 2570.114 - Consequences of default.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 29 Labor 9 2010-07-01 2010-07-01 false Consequences of default. 2570.114 Section 2570.114 Labor Regulations Relating to Labor (Continued) EMPLOYEE BENEFITS SECURITY ADMINISTRATION, DEPARTMENT OF LABOR... ERISA Section 502(c)(6) § 2570.114 Consequences of default. For 502(c)(6) civil penalty proceedings...

  7. 29 CFR 2570.134 - Consequences of default.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 29 Labor 9 2010-07-01 2010-07-01 false Consequences of default. 2570.134 Section 2570.134 Labor Regulations Relating to Labor (Continued) EMPLOYEE BENEFITS SECURITY ADMINISTRATION, DEPARTMENT OF LABOR... ERISA Section 502(c)(7) § 2570.134 Consequences of default. For 502(c)(7) civil penalty proceedings...

  8. 29 CFR 2570.164 - Consequences of default.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 29 Labor 9 2010-07-01 2010-07-01 false Consequences of default. 2570.164 Section 2570.164 Labor Regulations Relating to Labor (Continued) EMPLOYEE BENEFITS SECURITY ADMINISTRATION, DEPARTMENT OF LABOR... ERISA Section 502(c)(8) § 2570.164 Consequences of default. For 502(c)(8) civil penalty proceedings...

  9. 34 CFR 668.204 - Draft cohort default rates and your ability to challenge before official cohort default rates are...

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Draft cohort default rates and your ability to challenge before official cohort default rates are issued. 668.204 Section 668.204 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT...

  10. 34 CFR 668.185 - Draft cohort default rates and your ability to challenge before official cohort default rates are...

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Draft cohort default rates and your ability to challenge before official cohort default rates are issued. 668.185 Section 668.185 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT...

  11. 29 CFR 2570.64 - Consequences of default.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 29 Labor 9 2010-07-01 2010-07-01 false Consequences of default. 2570.64 Section 2570.64 Labor Regulations Relating to Labor (Continued) EMPLOYEE BENEFITS SECURITY ADMINISTRATION, DEPARTMENT OF LABOR... ERISA Section 502(c)(2) § 2570.64 Consequences of default. For 502(c)(2) civil penalty proceedings, this...

  12. 29 CFR 2570.94 - Consequences of default.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 29 Labor 9 2010-07-01 2010-07-01 false Consequences of default. 2570.94 Section 2570.94 Labor Regulations Relating to Labor (Continued) EMPLOYEE BENEFITS SECURITY ADMINISTRATION, DEPARTMENT OF LABOR... ERISA Section 502(c)(5) § 2570.94 Consequences of default. For 502(c)(5) civil penalty proceedings, this...

  13. Default network connectivity as a vulnerability marker for obsessive compulsive disorder.

    PubMed

    Peng, Z W; Xu, T; He, Q H; Shi, C Z; Wei, Z; Miao, G D; Jing, J; Lim, K O; Zuo, X N; Chan, R C K

    2014-05-01

    Aberrant functional connectivity within the default network is generally assumed to be involved in the pathophysiology of obsessive compulsive disorder (OCD); however, the genetic risk of default network connectivity in OCD remains largely unknown. Here, we systematically investigated default network connectivity in 15 OCD patients, 15 paired unaffected siblings and 28 healthy controls. We sought to examine the profiles of default network connectivity in OCD patients and their siblings, exploring the correlation between abnormal default network connectivity and genetic risk for this population. Compared with healthy controls, OCD patients exhibited reduced strength of default network functional connectivity with the posterior cingulate cortex (PCC), and increased functional connectivity in the right inferior frontal lobe, insula, superior parietal cortex and superior temporal cortex, while their unaffected first-degree siblings only showed reduced local connectivity in the PCC. These findings suggest that the disruptions of default network functional connectivity might be associated with family history of OCD. The decreased default network connectivity in both OCD patients and their unaffected siblings may serve as a potential marker of OCD.

  14. Defaulters among lung cancer patients in a suburban district in a developing country.

    PubMed

    Ng, T H; How, S H; Kuan, Y C; Fauzi, A R

    2012-01-01

    This study was carried out to determine the prevalence, patient's characteristic and reasons for defaulting follow-up and treatment among patients with lung cancer. Patients with histologically confirmed lung cancer were recruited. Patient's detailed demographic data, occupation, socioeconomic status, and educational level of both the patients and their children were recorded. Defaulters were classified as either intermittent or persistent defaulters. By using Chi-square test, defaulter status was compared with various demographic and disease characteristic factors. The reasons for default were determined. Ninety five patients were recruited. Among them, 81.1% patients were males; 66.3% were Malays. The mean age (SD) was 60 ± 10.5 years. About 46.3% of the patients had Eastern Cooperation Oncology Group (ECOG) functional status 0/1 and 96.8% of the patients presented with advanced stage (Stage 3b or 4). Overall, 20 patients (21.1%) were defaulters (35.0% intermittent defaulters; 65.0% persistent defaulters). Among the intermittent defaulters, 8 patients defaulted once and one patient defaulted 3 times. Among the 20 defaulters, only 2 (10%) patients turned up for the second follow-up appointment after telephone reminder. Two main reasons for default were 'too ill to come' (38.5.5%) and logistic difficulties (23.1%). No correlation was found between patient education, children education, income, ECOG status, stage of the disease, race, and gender with the defaulter rate. Defaulter rate among lung cancer patients was 21.1%. Children education level is the only significant factor associated with the defaulter rate.

  15. Developing a java android application of KMV-Merton default rate model

    NASA Astrophysics Data System (ADS)

    Yusof, Norliza Muhamad; Anuar, Aini Hayati; Isa, Norsyaheeda Natasha; Zulkafli, Sharifah Nursyuhada Syed; Sapini, Muhamad Luqman

    2017-11-01

    This paper presents a developed java android application for KMV-Merton model in predicting the defaut rate of a firm. Predicting default rate is essential in the risk management area as default risk can be immediately transmitted from one entity to another entity. This is the reason default risk is known as a global risk. Although there are several efforts, instruments and methods used to manage the risk, it is said to be insufficient. To the best of our knowledge, there has been limited innovation in developing the default risk mathematical model into a mobile application. Therefore, through this study, default risk is predicted quantitatively using the KMV-Merton model. The KMV-Merton model has been integrated in the form of java program using the Android Studio Software. The developed java android application is tested by predicting the levels of default risk of the three different rated companies. It is found that the levels of default risk are equivalent to the ratings of the respective companies. This shows that the default rate predicted by the KMV-Merton model using the developed java android application can be a significant tool to the risk mangement field. The developed java android application grants users an alternative to predict level of default risk within less procedure.

  16. Local Risk-Minimization for Defaultable Claims with Recovery Process

    DOE Office of Scientific and Technical Information (OSTI.GOV)

    Biagini, Francesca, E-mail: biagini@mathematik.uni-muenchen.de; Cretarola, Alessandra, E-mail: alessandra.cretarola@dmi.unipg.it

    We study the local risk-minimization approach for defaultable claims with random recovery at default time, seen as payment streams on the random interval [0,{tau} Logical-And T], where T denotes the fixed time-horizon. We find the pseudo-locally risk-minimizing strategy in the case when the agent information takes into account the possibility of a default event (local risk-minimization with G-strategies) and we provide an application in the case of a corporate bond. We also discuss the problem of finding a pseudo-locally risk-minimizing strategy if we suppose the agent obtains her information only by observing the non-defaultable assets.

  17. Contract Terminations for Default and Convenience.

    DTIC Science & Technology

    1981-06-01

    principal rights acquired by the Government under the default clause, according to Govern- ment Contract Law (M8157), is the right to repurchase the 2 item...with the conver- sion of terminations from default to convenience in any detail (21:539). Government Contract Law presented an ex- cellent summary of...factors leading to the conversion were analyzed on the basis of the DAR, principles of contract law , and studies included in the literature review

  18. Cohort Default Rate Guide. Revised August 2006

    ERIC Educational Resources Information Center

    US Department of Education, 2006

    2006-01-01

    This guide is designed to assist schools with their Federal Family Education Loan (FFEL) Program and William D. Ford Federal Direct Loan (Direct Loan) Program cohort default rate data. The guide is intended as a reference tool in understanding cohort default rates and processes. Material is organized into four parts: (1) Introduction; (2) General…

  19. Atypical Default Network Connectivity in Youth with ADHD

    PubMed Central

    Fair, Damien A.; Posner, Jonathan; Nagel, Bonnie J.; Bathula, Deepti; Dias, Taciana G. Costa; Mills, Kathryn L.; Blythe, Michael S.; Giwa, Aishat; Schmitt, Colleen F.; Nigg, Joel T.

    2010-01-01

    Background Attention deficit/hyperactivity disorder (ADHD) is a major public health concern. It has been suggested that the brain’s default network may provide a crucial avenue for understanding the neurobiology of ADHD. Evaluations of the default network have increased over recent years with the applied technique of resting-state functional connectivity MRI (rs-fcMRI). These investigations have established that spontaneous activity in this network is highly correlated at rest in young adult populations. This coherence seems to be reduced in adults with ADHD. This is an intriguing finding, as coherence in spontaneous activity within the default network strengthens with age. Thus, the pathophysiology of ADHD might include delayed or disrupted maturation of the default network. If so, it is important to determine whether an altered developmental picture can be detected using rs-fcMRI in children with ADHD. Methods The present study utilized the typical developmental context provided previously by Fair et al (1) to examine coherence of brain activity within the default network using rs-fcMRI in children with (n=23) and without ADHD (n=23). Results We found that functional connections previously shown as developmentally dynamic in the default network were atypical in children with ADHD - consistent with perturbation or failure of the maturational processes. Conclusions These findings are consistent with the hypothesis that atypical consolidation of this network over development plays a role in ADHD. PMID:20728873

  20. Interbank lending, network structure and default risk contagion

    NASA Astrophysics Data System (ADS)

    Zhang, Minghui; He, Jianmin; Li, Shouwei

    2018-03-01

    This paper studies the default risk contagion in banking systems based on a dynamic network model with two different kinds of lenders' selecting mechanisms, namely, endogenous selecting (ES) and random selecting (RS). From sensitivity analysis, we find that higher risk premium, lower initial proportion of net assets, higher liquid assets threshold, larger size of liquidity shocks, higher proportion of the initial investments and higher Central Bank interest rates all lead to severer default risk contagion. Moreover, the autocorrelation of deposits and lenders' selecting probability have non-monotonic effects on the default risk contagion, and the effects differ under two mechanisms. Generally, the default risk contagion is much severer under RS mechanism than that of ES, because the multi-money-center structure generated by ES mechanism enables borrowers to borrow from more liquid banks with lower interest rates.

  1. 24 CFR 27.15 - Notice of default and foreclosure sale.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... sale. 27.15 Section 27.15 Housing and Urban Development Office of the Secretary, Department of Housing... Foreclosure of Multifamily Mortgages § 27.15 Notice of default and foreclosure sale. (a) Within 45 days after... serving a Notice of Default and Foreclosure Sale. (b) The Notice of Default and Foreclosure Sale shall...

  2. 27 CFR 25.173 - Brewer in default.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... OF THE TREASURY LIQUORS BEER Tax on Beer Prepayment of Tax § 25.173 Brewer in default. (a) When a remittance in payment of taxes on beer is not paid upon presentment of check or money order tendered, or when the brewer is otherwise in default in payment of tax under § 25.164, beer may not be removed for...

  3. 27 CFR 25.173 - Brewer in default.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... OF THE TREASURY ALCOHOL BEER Tax on Beer Prepayment of Tax § 25.173 Brewer in default. (a) When a remittance in payment of taxes on beer is not paid upon presentment of check or money order tendered, or when the brewer is otherwise in default in payment of tax under § 25.164, beer may not be removed for...

  4. 27 CFR 25.173 - Brewer in default.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... OF THE TREASURY LIQUORS BEER Tax on Beer Prepayment of Tax § 25.173 Brewer in default. (a) When a remittance in payment of taxes on beer is not paid upon presentment of check or money order tendered, or when the brewer is otherwise in default in payment of tax under § 25.164, beer may not be removed for...

  5. 27 CFR 25.173 - Brewer in default.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... OF THE TREASURY ALCOHOL BEER Tax on Beer Prepayment of Tax § 25.173 Brewer in default. (a) When a remittance in payment of taxes on beer is not paid upon presentment of check or money order tendered, or when the brewer is otherwise in default in payment of tax under § 25.164, beer may not be removed for...

  6. 27 CFR 25.173 - Brewer in default.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... OF THE TREASURY LIQUORS BEER Tax on Beer Prepayment of Tax § 25.173 Brewer in default. (a) When a remittance in payment of taxes on beer is not paid upon presentment of check or money order tendered, or when the brewer is otherwise in default in payment of tax under § 25.164, beer may not be removed for...

  7. 49 CFR 260.47 - Events of default for direct loans.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 49 Transportation 4 2012-10-01 2012-10-01 false Events of default for direct loans. 260.47 Section... REHABILITATION AND IMPROVEMENT FINANCING PROGRAM Procedures To Be Followed in the Event of Default § 260.47 Events of default for direct loans. (a) Upon the Borrower's failure to make a scheduled payment, or upon...

  8. 49 CFR 260.47 - Events of default for direct loans.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 49 Transportation 4 2011-10-01 2011-10-01 false Events of default for direct loans. 260.47 Section... REHABILITATION AND IMPROVEMENT FINANCING PROGRAM Procedures To Be Followed in the Event of Default § 260.47 Events of default for direct loans. (a) Upon the Borrower's failure to make a scheduled payment, or upon...

  9. 49 CFR 260.47 - Events of default for direct loans.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 49 Transportation 4 2014-10-01 2014-10-01 false Events of default for direct loans. 260.47 Section... REHABILITATION AND IMPROVEMENT FINANCING PROGRAM Procedures To Be Followed in the Event of Default § 260.47 Events of default for direct loans. (a) Upon the Borrower's failure to make a scheduled payment, or upon...

  10. 49 CFR 260.47 - Events of default for direct loans.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 49 Transportation 4 2010-10-01 2010-10-01 false Events of default for direct loans. 260.47 Section... REHABILITATION AND IMPROVEMENT FINANCING PROGRAM Procedures To Be Followed in the Event of Default § 260.47 Events of default for direct loans. (a) Upon the Borrower's failure to make a scheduled payment, or upon...

  11. 49 CFR 260.47 - Events of default for direct loans.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 49 Transportation 4 2013-10-01 2013-10-01 false Events of default for direct loans. 260.47 Section... REHABILITATION AND IMPROVEMENT FINANCING PROGRAM Procedures To Be Followed in the Event of Default § 260.47 Events of default for direct loans. (a) Upon the Borrower's failure to make a scheduled payment, or upon...

  12. Risk Factors for Treatment Default among Re-Treatment Tuberculosis Patients in India, 2006

    PubMed Central

    Jha, Ugra Mohan; Satyanarayana, Srinath; Dewan, Puneet K.; Chadha, Sarabjit; Wares, Fraser; Sahu, Suvanand; Gupta, Devesh; Chauhan, L. S.

    2010-01-01

    Setting Under India's Revised National Tuberculosis Control Programme (RNTCP), >15% of previously-treated patients in the reported 2006 patient cohort defaulted from anti-tuberculosis treatment. Objective To assess the timing, characteristics, and risk factors for default amongst re-treatment TB patients. Methodology For this case-control study, in 90 randomly-selected programme units treatment records were abstracted from all 2006 defaulters from the RNTCP re-treatment regimen (cases), with one consecutively-selected non-defaulter per case. Patients who interrupted anti-tuberculosis treatment for >2 months were classified as defaulters. Results 1,141 defaulters and 1,189 non-defaulters were included. The median duration of treatment prior to default was 81 days (25%–75% interquartile range 44–117 days) and documented retrieval efforts after treatment interruption were inadequate. Defaulters were more likely to have been male (adjusted odds ratio [aOR] 1.4, 95% confidence interval [CI] 1.2–1.7), have previously defaulted anti-tuberculosis treatment (aOR 1.3 95%CI 1.1–1.6], have previous treatment from non-RNTCP providers (AOR 1.3, 95%CI 1.0–1.6], or have public health facility-based treatment observation (aOR 1.3, 95%CI 1.1–1.6). Conclusions Amongst the large number of re-treatment patients in India, default occurs early and often. Improved pre-treatment counseling and community-based treatment provision may reduce default rates. Efforts to retrieve treatment interrupters prior to default require strengthening. PMID:20111727

  13. Risk factors for treatment default among re-treatment tuberculosis patients in India, 2006.

    PubMed

    Jha, Ugra Mohan; Satyanarayana, Srinath; Dewan, Puneet K; Chadha, Sarabjit; Wares, Fraser; Sahu, Suvanand; Gupta, Devesh; Chauhan, L S

    2010-01-25

    Under India's Revised National Tuberculosis Control Programme (RNTCP), >15% of previously-treated patients in the reported 2006 patient cohort defaulted from anti-tuberculosis treatment. To assess the timing, characteristics, and risk factors for default amongst re-treatment TB patients. For this case-control study, in 90 randomly-selected programme units treatment records were abstracted from all 2006 defaulters from the RNTCP re-treatment regimen (cases), with one consecutively-selected non-defaulter per case. Patients who interrupted anti-tuberculosis treatment for >2 months were classified as defaulters. 1,141 defaulters and 1,189 non-defaulters were included. The median duration of treatment prior to default was 81 days (25%-75% interquartile range 44-117 days) and documented retrieval efforts after treatment interruption were inadequate. Defaulters were more likely to have been male (adjusted odds ratio [aOR] 1.4, 95% confidence interval [CI] 1.2-1.7), have previously defaulted anti-tuberculosis treatment (aOR 1.3 95%CI 1.1-1.6], have previous treatment from non-RNTCP providers (AOR 1.3, 95%CI 1.0-1.6], or have public health facility-based treatment observation (aOR 1.3, 95%CI 1.1-1.6). Amongst the large number of re-treatment patients in India, default occurs early and often. Improved pre-treatment counseling and community-based treatment provision may reduce default rates. Efforts to retrieve treatment interrupters prior to default require strengthening.

  14. Morality constrains the default representation of what is possible.

    PubMed

    Phillips, Jonathan; Cushman, Fiery

    2017-05-02

    The capacity for representing and reasoning over sets of possibilities, or modal cognition, supports diverse kinds of high-level judgments: causal reasoning, moral judgment, language comprehension, and more. Prior research on modal cognition asks how humans explicitly and deliberatively reason about what is possible but has not investigated whether or how people have a default, implicit representation of which events are possible. We present three studies that characterize the role of implicit representations of possibility in cognition. Collectively, these studies differentiate explicit reasoning about possibilities from default implicit representations, demonstrate that human adults often default to treating immoral and irrational events as impossible, and provide a case study of high-level cognitive judgments relying on default implicit representations of possibility rather than explicit deliberation.

  15. 49 CFR 260.45 - Events of default for guaranteed loans.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 49 Transportation 4 2011-10-01 2011-10-01 false Events of default for guaranteed loans. 260.45... REHABILITATION AND IMPROVEMENT FINANCING PROGRAM Procedures To Be Followed in the Event of Default § 260.45 Events of default for guaranteed loans. (a) If the Borrower is more than 30 days past due on a payment or...

  16. 49 CFR 260.45 - Events of default for guaranteed loans.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 49 Transportation 4 2010-10-01 2010-10-01 false Events of default for guaranteed loans. 260.45... REHABILITATION AND IMPROVEMENT FINANCING PROGRAM Procedures To Be Followed in the Event of Default § 260.45 Events of default for guaranteed loans. (a) If the Borrower is more than 30 days past due on a payment or...

  17. 49 CFR 260.45 - Events of default for guaranteed loans.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 49 Transportation 4 2012-10-01 2012-10-01 false Events of default for guaranteed loans. 260.45... REHABILITATION AND IMPROVEMENT FINANCING PROGRAM Procedures To Be Followed in the Event of Default § 260.45 Events of default for guaranteed loans. (a) If the Borrower is more than 30 days past due on a payment or...

  18. 49 CFR 260.45 - Events of default for guaranteed loans.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 49 Transportation 4 2013-10-01 2013-10-01 false Events of default for guaranteed loans. 260.45... REHABILITATION AND IMPROVEMENT FINANCING PROGRAM Procedures To Be Followed in the Event of Default § 260.45 Events of default for guaranteed loans. (a) If the Borrower is more than 30 days past due on a payment or...

  19. 49 CFR 260.45 - Events of default for guaranteed loans.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 49 Transportation 4 2014-10-01 2014-10-01 false Events of default for guaranteed loans. 260.45... REHABILITATION AND IMPROVEMENT FINANCING PROGRAM Procedures To Be Followed in the Event of Default § 260.45 Events of default for guaranteed loans. (a) If the Borrower is more than 30 days past due on a payment or...

  20. 24 CFR 907.7 - Remedies for substantial default.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 24 Housing and Urban Development 4 2011-04-01 2011-04-01 false Remedies for substantial default... URBAN DEVELOPMENT SUBSTANTIAL DEFAULT BY A PUBLIC HOUSING AGENCY § 907.7 Remedies for substantial... staff; or (3) Provide assistance deemed necessary, in the discretion of HUD, to remedy emergency...

  1. Predicting Default from Smoking Cessation Treatment Following Enrolment

    ERIC Educational Resources Information Center

    Challenger, Alison; Coleman, Tim; Lewis, Sarah

    2007-01-01

    Objective: To determine which factors predict default from subsequent treatment sessions after initial enrolment and attendance at a large, English smoking cessation service. Design: Cross-sectional survey using data obtained at smokers' initial enrolment attendance to compare the characteristics of those who subsequently default with those who do…

  2. 48 CFR 49.403 - Termination of cost-reimbursement contracts for default.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ...-reimbursement contracts for default. 49.403 Section 49.403 Federal Acquisition Regulations System FEDERAL... of cost-reimbursement contracts for default. (a) The right to terminate a cost-reimbursement contract... case by the clause. (b) Settlement of a cost-reimbursement contract terminated for default is subject...

  3. Predictors and mortality associated with treatment default in pulmonary tuberculosis.

    PubMed

    Kliiman, K; Altraja, A

    2010-04-01

    To identify risk factors for default from pulmonary tuberculosis (TB) treatment and to assess mortality associated with default in Estonia. All patients with culture-confirmed pulmonary TB who started treatment during 2003-2005 were included in a retrospective cohort study. In 1107 eligible patients, the treatment success rate was 81.5% and the default rate 9.4% (respectively 60.4% and 17.0% in multidrug-resistant TB [MDR-TB]). Independent predictors of treatment default were alcohol abuse (OR 3.22, 95%CI 1.93-5.38), unemployment (OR 3.05, 95%CI 1.84-5.03), MDR-TB (OR 2.17, 95%CI 1.35-3.50), urban residence (OR 1.85, 95%CI 1.00-3.42) and previous incarceration (OR 1.78, 95%CI 1.05-3.03). Of the defaulters, 29.4% died during follow-up (median survival 342.0 days). Cox regression analysis revealed that unemployment was associated with all-cause and TB-related mortality among defaulters (respectively HR 4.58, 95%CI 1.05-20.1 and HR 11.2, 95%CI 1.58-80.2). HIV infection (HR 51.2, 95%CI 6.06-432), sputum smear positivity (HR 9.59, 95%CI 1.79-51.4), MDR-TB (HR 8.56, 95%CI 1.81-40.4) and previous TB (HR 5.15, 95%CI 1.64-16.2) were predictors of TB-related mortality. The main risk factors for treatment default can be influenced. Interventions to reduce default should therefore concentrate on socially disadvantaged patients and prevention of alcohol abuse, with special attention given to MDR-TB patients.

  4. Who are the patients that default tuberculosis treatment? - space matters!

    PubMed

    Nunes, C; Duarte, R; Veiga, A M; Taylor, B

    2017-04-01

    The goals of this article are: (i) to understand how individual characteristics affect the likelihood of patients defaulting their pulmonary tuberculosis (PTB) treatment regimens; (ii) to quantify the predictive capacity of these risk factors; and (iii) to quantify and map spatial variation in the risk of defaulting. We used logistic regression models and generalized additive models with a spatial component to determine the odds of default across continental Portugal. We focused on new PTB cases, diagnosed between 2000 and 2013, and included some individual information (sex, age, residence area, alcohol abuse, intravenous drug use, homelessness, HIV, imprisonment status). We found that the global default rate was 4·88%, higher in individuals with well-known risk profiles (males, immigrants, HIV positive, homeless, prisoners, alcohol and drug users). Of specific epidemiological interest was that our geographical analysis found that Portugal's main urban areas (the two biggest cities) and one tourist region have higher default rates compared to the rest of the country, after adjusting for the previously mentioneded risk factors. The challenge of treatment defaulting, either due to other individual non-measured characteristics, healthcare system failure or patient recalcitrance requires further analysis in the spatio-temporal domain. Our findings suggest the presence of significant within-country variation in the risk of defaulting that cannot be explained by these classical individual risk factors alone. The methods we advocate are simple to implement and could easily be applied to other diseases.

  5. Updating default depths in the ISC bulletin

    NASA Astrophysics Data System (ADS)

    Bolton, Maiclaire K.; Storchak, Dmitry A.; Harris, James

    2006-09-01

    The International Seismological Centre (ISC) publishes the definitive global bulletin of earthquake locations. In the ISC bulletin, we aim to obtain a free depth, but often this is not possible. Subsequently, the first option is to obtain a depth derived from depth phases. If depth phases are not available, we then use the reported depth from a reputable local agency. Finally, as a last resort, we set a default depth. In the past, common depths of 10, 33, or multiples of 50 km have been assigned. Assigning a more meaningful default depth, specific to a seismic region will increase the consistency of earthquake locations within the ISC bulletin and allow the ISC to publish better positions and magnitude estimates. It will also improve the association of reported secondary arrivals to corresponding seismic events. We aim to produce a global set of default depths, based on a typical depth for each area, from well-constrained events in the ISC bulletin or where depth could be constrained using a consistent set of depth phase arrivals provided by a number of different reporters. In certain areas, we must resort to using other assumptions. For these cases, we use a global crustal model (Crust2.0) to set default depths to half the thickness of the crust.

  6. 22 CFR 221.21 - Event of Default; Application for Compensation; payment.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 22 Foreign Relations 1 2013-04-01 2013-04-01 false Event of Default; Application for Compensation... GUARANTEE STANDARD TERMS AND CONDITIONS Procedure for Obtaining Compensation § 221.21 Event of Default; Application for Compensation; payment. At any time after an Event of Default, as this term is defined in an...

  7. 22 CFR 204.21 - Event of default; Application for compensation; Payment.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 22 Foreign Relations 1 2010-04-01 2010-04-01 false Event of default; Application for compensation... STANDARD TERMS AND CONDITIONS Procedure for Obtaining Compensation § 204.21 Event of default; Application for compensation; Payment. (a) Within one year after an Event of Default, as this term is defined in...

  8. 22 CFR 221.21 - Event of Default; Application for Compensation; payment.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 22 Foreign Relations 1 2012-04-01 2012-04-01 false Event of Default; Application for Compensation... GUARANTEE STANDARD TERMS AND CONDITIONS Procedure for Obtaining Compensation § 221.21 Event of Default; Application for Compensation; payment. At any time after an Event of Default, as this term is defined in an...

  9. 22 CFR 204.21 - Event of default; Application for compensation; Payment.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 22 Foreign Relations 1 2013-04-01 2013-04-01 false Event of default; Application for compensation... STANDARD TERMS AND CONDITIONS Procedure for Obtaining Compensation § 204.21 Event of default; Application for compensation; Payment. (a) Within one year after an Event of Default, as this term is defined in...

  10. 22 CFR 204.21 - Event of default; Application for compensation; Payment.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 22 Foreign Relations 1 2011-04-01 2011-04-01 false Event of default; Application for compensation... STANDARD TERMS AND CONDITIONS Procedure for Obtaining Compensation § 204.21 Event of default; Application for compensation; Payment. (a) Within one year after an Event of Default, as this term is defined in...

  11. 22 CFR 221.21 - Event of Default; Application for Compensation; payment.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 22 Foreign Relations 1 2011-04-01 2011-04-01 false Event of Default; Application for Compensation... GUARANTEE STANDARD TERMS AND CONDITIONS Procedure for Obtaining Compensation § 221.21 Event of Default; Application for Compensation; payment. At any time after an Event of Default, as this term is defined in an...

  12. 22 CFR 204.21 - Event of default; Application for compensation; Payment.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 22 Foreign Relations 1 2012-04-01 2012-04-01 false Event of default; Application for compensation... STANDARD TERMS AND CONDITIONS Procedure for Obtaining Compensation § 204.21 Event of default; Application for compensation; Payment. (a) Within one year after an Event of Default, as this term is defined in...

  13. 22 CFR 204.21 - Event of default; Application for compensation; Payment.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 22 Foreign Relations 1 2014-04-01 2014-04-01 false Event of default; Application for compensation... STANDARD TERMS AND CONDITIONS Procedure for Obtaining Compensation § 204.21 Event of default; Application for compensation; Payment. (a) Within one year after an Event of Default, as this term is defined in...

  14. 22 CFR 221.21 - Event of Default; Application for Compensation; payment.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 22 Foreign Relations 1 2014-04-01 2014-04-01 false Event of Default; Application for Compensation... GUARANTEE STANDARD TERMS AND CONDITIONS Procedure for Obtaining Compensation § 221.21 Event of Default; Application for Compensation; payment. At any time after an Event of Default, as this term is defined in an...

  15. 34 CFR 674.5 - Federal Perkins Loan program cohort default rate and penalties.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... from an institution's cohort default rate calculation if the loan is— (A) Discharged due to death or... 34 Education 3 2011-07-01 2011-07-01 false Federal Perkins Loan program cohort default rate and... Provisions § 674.5 Federal Perkins Loan program cohort default rate and penalties. (a) Default penalty. If an...

  16. 34 CFR 674.5 - Federal Perkins Loan program cohort default rate and penalties.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... from an institution's cohort default rate calculation if the loan is— (A) Discharged due to death or... 34 Education 3 2014-07-01 2014-07-01 false Federal Perkins Loan program cohort default rate and... Provisions § 674.5 Federal Perkins Loan program cohort default rate and penalties. (a) Default penalty. If an...

  17. 34 CFR 674.5 - Federal Perkins Loan program cohort default rate and penalties.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... from an institution's cohort default rate calculation if the loan is— (A) Discharged due to death or... 34 Education 3 2010-07-01 2010-07-01 false Federal Perkins Loan program cohort default rate and... Provisions § 674.5 Federal Perkins Loan program cohort default rate and penalties. (a) Default penalty. If an...

  18. 34 CFR 674.5 - Federal Perkins Loan program cohort default rate and penalties.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... from an institution's cohort default rate calculation if the loan is— (A) Discharged due to death or... 34 Education 3 2013-07-01 2013-07-01 false Federal Perkins Loan program cohort default rate and... Provisions § 674.5 Federal Perkins Loan program cohort default rate and penalties. (a) Default penalty. If an...

  19. 34 CFR 674.5 - Federal Perkins Loan program cohort default rate and penalties.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... from an institution's cohort default rate calculation if the loan is— (A) Discharged due to death or... 34 Education 3 2012-07-01 2012-07-01 false Federal Perkins Loan program cohort default rate and... Provisions § 674.5 Federal Perkins Loan program cohort default rate and penalties. (a) Default penalty. If an...

  20. Multivariate Analysis of Student Loan Defaulters at Texas A&M University

    ERIC Educational Resources Information Center

    Steiner, Matt; Teszler, Natali

    2005-01-01

    In an effort to better understand student loan default behavior at Texas A&M University (TAMU), the research staff at TG, at the request of TAMU, conducted a study of the relationship between loan default, on the one hand, and many student and borrower characteristics, on the other hand. The study examines the default behavior of 12,776…

  1. Predicting Student Loan Default for the University of Texas at Austin

    ERIC Educational Resources Information Center

    Herr, Elizabeth; Burt, Larry

    2005-01-01

    During spring 2001, Noel-Levitz created a student loan default model for the University of Texas at Austin (UT Austin). The goal of this project was to identify students most likely to default, to identify as risk elements those characteristics that contributed to student loan default, and to use these risk elements to plan and implement targeted,…

  2. Modelling default and likelihood reasoning as probabilistic reasoning

    NASA Technical Reports Server (NTRS)

    Buntine, Wray

    1990-01-01

    A probabilistic analysis of plausible reasoning about defaults and about likelihood is presented. Likely and by default are in fact treated as duals in the same sense as possibility and necessity. To model these four forms probabilistically, a qualitative default probabilistic (QDP) logic and its quantitative counterpart DP are derived that allow qualitative and corresponding quantitative reasoning. Consistency and consequent results for subsets of the logics are given that require at most a quadratic number of satisfiability tests in the underlying propositional logic. The quantitative logic shows how to track the propagation error inherent in these reasoning forms. The methodology and sound framework of the system highlights their approximate nature, the dualities, and the need for complementary reasoning about relevance.

  3. Choosers, Obstructed Choosers, and Nonchoosers: A Framework for Defaulting in Schooling Choices

    ERIC Educational Resources Information Center

    Delale-O'Connor, Lori

    2018-01-01

    Background/Context: Prior research overlooks the importance of drawing distinctions within the category of defaulters or "nonchoosers" in schooling choices. Defaulters are both a theoretically and empirically interesting population, and understanding the processes by which families come to or are assigned the default school offers…

  4. Default risk modeling beyond the first-passage approximation: extended Black-Cox model.

    PubMed

    Katz, Yuri A; Shokhirev, Nikolai V

    2010-07-01

    We develop a generalization of the Black-Cox structural model of default risk. The extended model captures uncertainty related to firm's ability to avoid default even if company's liabilities momentarily exceeding its assets. Diffusion in a linear potential with the radiation boundary condition is used to mimic a company's default process. The exact solution of the corresponding Fokker-Planck equation allows for derivation of analytical expressions for the cumulative probability of default and the relevant hazard rate. Obtained closed formulas fit well the historical data on global corporate defaults and demonstrate the split behavior of credit spreads for bonds of companies in different categories of speculative-grade ratings with varying time to maturity. Introduction of the finite rate of default at the boundary improves valuation of credit risk for short time horizons, which is the key advantage of the proposed model. We also consider the influence of uncertainty in the initial distance to the default barrier on the outcome of the model and demonstrate that this additional source of incomplete information may be responsible for nonzero credit spreads for bonds with very short time to maturity.

  5. Default risk modeling beyond the first-passage approximation: Extended Black-Cox model

    NASA Astrophysics Data System (ADS)

    Katz, Yuri A.; Shokhirev, Nikolai V.

    2010-07-01

    We develop a generalization of the Black-Cox structural model of default risk. The extended model captures uncertainty related to firm’s ability to avoid default even if company’s liabilities momentarily exceeding its assets. Diffusion in a linear potential with the radiation boundary condition is used to mimic a company’s default process. The exact solution of the corresponding Fokker-Planck equation allows for derivation of analytical expressions for the cumulative probability of default and the relevant hazard rate. Obtained closed formulas fit well the historical data on global corporate defaults and demonstrate the split behavior of credit spreads for bonds of companies in different categories of speculative-grade ratings with varying time to maturity. Introduction of the finite rate of default at the boundary improves valuation of credit risk for short time horizons, which is the key advantage of the proposed model. We also consider the influence of uncertainty in the initial distance to the default barrier on the outcome of the model and demonstrate that this additional source of incomplete information may be responsible for nonzero credit spreads for bonds with very short time to maturity.

  6. 42 CFR 1001.1501 - Default of health education loan or scholarship obligations.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 42 Public Health 5 2011-10-01 2011-10-01 false Default of health education loan or scholarship... Permissive Exclusions § 1001.1501 Default of health education loan or scholarship obligations. (a... individual that the Public Health Service (PHS) determines is in default on repayments of scholarship...

  7. 42 CFR 1001.1501 - Default of health education loan or scholarship obligations.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 42 Public Health 5 2013-10-01 2013-10-01 false Default of health education loan or scholarship... Permissive Exclusions § 1001.1501 Default of health education loan or scholarship obligations. (a... individual that the Public Health Service (PHS) determines is in default on repayments of scholarship...

  8. 42 CFR 1001.1501 - Default of health education loan or scholarship obligations.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 42 Public Health 5 2010-10-01 2010-10-01 false Default of health education loan or scholarship... Permissive Exclusions § 1001.1501 Default of health education loan or scholarship obligations. (a... individual that the Public Health Service (PHS) determines is in default on repayments of scholarship...

  9. 42 CFR 1001.1501 - Default of health education loan or scholarship obligations.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 42 Public Health 5 2014-10-01 2014-10-01 false Default of health education loan or scholarship... Permissive Exclusions § 1001.1501 Default of health education loan or scholarship obligations. (a... individual that the Public Health Service (PHS) determines is in default on repayments of scholarship...

  10. 42 CFR 1001.1501 - Default of health education loan or scholarship obligations.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 42 Public Health 5 2012-10-01 2012-10-01 false Default of health education loan or scholarship... Permissive Exclusions § 1001.1501 Default of health education loan or scholarship obligations. (a... individual that the Public Health Service (PHS) determines is in default on repayments of scholarship...

  11. Credit Default Swaps networks and systemic risk.

    PubMed

    Puliga, Michelangelo; Caldarelli, Guido; Battiston, Stefano

    2014-11-04

    Credit Default Swaps (CDS) spreads should reflect default risk of the underlying corporate debt. Actually, it has been recognized that CDS spread time series did not anticipate but only followed the increasing risk of default before the financial crisis. In principle, the network of correlations among CDS spread time series could at least display some form of structural change to be used as an early warning of systemic risk. Here we study a set of 176 CDS time series of financial institutions from 2002 to 2011. Networks are constructed in various ways, some of which display structural change at the onset of the credit crisis of 2008, but never before. By taking these networks as a proxy of interdependencies among financial institutions, we run stress-test based on Group DebtRank. Systemic risk before 2008 increases only when incorporating a macroeconomic indicator reflecting the potential losses of financial assets associated with house prices in the US. This approach indicates a promising way to detect systemic instabilities.

  12. Credit Default Swaps networks and systemic risk

    NASA Astrophysics Data System (ADS)

    Puliga, Michelangelo; Caldarelli, Guido; Battiston, Stefano

    2014-11-01

    Credit Default Swaps (CDS) spreads should reflect default risk of the underlying corporate debt. Actually, it has been recognized that CDS spread time series did not anticipate but only followed the increasing risk of default before the financial crisis. In principle, the network of correlations among CDS spread time series could at least display some form of structural change to be used as an early warning of systemic risk. Here we study a set of 176 CDS time series of financial institutions from 2002 to 2011. Networks are constructed in various ways, some of which display structural change at the onset of the credit crisis of 2008, but never before. By taking these networks as a proxy of interdependencies among financial institutions, we run stress-test based on Group DebtRank. Systemic risk before 2008 increases only when incorporating a macroeconomic indicator reflecting the potential losses of financial assets associated with house prices in the US. This approach indicates a promising way to detect systemic instabilities.

  13. Interaction of acupuncture treatment and manipulation laterality modulated by the default mode network

    PubMed Central

    Niu, Xuan; Zhang, Ming; Liu, Zhenyu; Sun, Chuanzhu; Wang, Shan; Wang, Xiaocui; Chen, Zhen; Chen, Hongyan; Tian, Jie

    2016-01-01

    Appropriate selection of ipsilateral or contralateral electroacupuncture (corresponding to the pain site) plays an important role in reaching its better curative effect; however, the involving brain mechanism still remains unclear. Compared with the heat pain model generally established in previous study, capsaicin pain model induces reversible cutaneous allodynia and is proved to be better simulating aspects of clinical nociceptive and neuropathic pain. In the current study, 24 subjects were randomly divided into two groups with a 2 × 2 factorial design: laterality (ipsi- or contralateral side, inter-subject) × treatment with counter-balanced at an interval of one week (verum and placebo electroacupuncture, within-subject). We observed subjective pain intensity and brain activations changes induced by capsaicin allodynia pain stimuli before and after electroacupuncture treatment at acupoint LI4 for 30 min. Analysis of variance results indicated that ipsilateral electroacupuncture treatment produced significant pain relief and wide brain signal suppressions in pain-related brain areas compared with contralateral electroacupuncture. We also found that verum electroacupuncture at either ipsi- or contralateral side to the pain site exhibited comparable significant magnitudes of analgesic effect. By contrast, placebo electroacupuncture elicited significant pain reductions only on the ipsilateral rather than contralateral side. It was inferred that placebo analgesia maybe attenuated on the region of the body (opposite to pain site) where attention was less focused, suggesting that analgesic effect of placebo electroacupuncture mainly rely on the motivation of its spatial-specific placebo responses via attention mechanism. This inference can be further supported by the evidence that the significant interaction effect of manipulation laterality and treatment was exclusively located within the default mode network, including the bilateral superior parietal

  14. Interaction of acupuncture treatment and manipulation laterality modulated by the default mode network.

    PubMed

    Niu, Xuan; Zhang, Ming; Liu, Zhenyu; Bai, Lijun; Sun, Chuanzhu; Wang, Shan; Wang, Xiaocui; Chen, Zhen; Chen, Hongyan; Tian, Jie

    2017-01-01

    Appropriate selection of ipsilateral or contralateral electroacupuncture (corresponding to the pain site) plays an important role in reaching its better curative effect; however, the involving brain mechanism still remains unclear. Compared with the heat pain model generally established in previous study, capsaicin pain model induces reversible cutaneous allodynia and is proved to be better simulating aspects of clinical nociceptive and neuropathic pain. In the current study, 24 subjects were randomly divided into two groups with a 2 × 2 factorial design: laterality (ipsi- or contralateral side, inter-subject) × treatment with counter-balanced at an interval of one week (verum and placebo electroacupuncture, within-subject). We observed subjective pain intensity and brain activations changes induced by capsaicin allodynia pain stimuli before and after electroacupuncture treatment at acupoint LI4 for 30 min. Analysis of variance results indicated that ipsilateral electroacupuncture treatment produced significant pain relief and wide brain signal suppressions in pain-related brain areas compared with contralateral electroacupuncture. We also found that verum electroacupuncture at either ipsi- or contralateral side to the pain site exhibited comparable significant magnitudes of analgesic effect. By contrast, placebo electroacupuncture elicited significant pain reductions only on the ipsilateral rather than contralateral side. It was inferred that placebo analgesia maybe attenuated on the region of the body (opposite to pain site) where attention was less focused, suggesting that analgesic effect of placebo electroacupuncture mainly rely on the motivation of its spatial-specific placebo responses via attention mechanism. This inference can be further supported by the evidence that the significant interaction effect of manipulation laterality and treatment was exclusively located within the default mode network, including the bilateral superior parietal

  15. Partitioning Default Effects: Why People Choose Not to Choose

    ERIC Educational Resources Information Center

    Dinner, Isaac; Johnson, Eric J.; Goldstein, Daniel G.; Liu, Kaiya

    2011-01-01

    Default options exert an influence in areas as varied as retirement program design, organ donation policy, and consumer choice. Past research has offered potential reasons why no-action defaults matter: (a) effort, (b) implied endorsement, and (c) reference dependence. The first two of these explanations have been experimentally demonstrated, but…

  16. Cohort Default Rates: Predicting the Probability of Federal Sanctions

    ERIC Educational Resources Information Center

    Hillman, Nicholas W.

    2015-01-01

    This study examines the institutional factors associated with student loan default. When a college has more than 30% of its students default on their loans, then the institution faces federal sanctions that could make them ineligible from participating in the federal student loan program. Using Integrated Postsecondary Education Data System…

  17. Risk factors for treatment default among adult tuberculosis patients in Indonesia.

    PubMed

    Rutherford, M E; Hill, P C; Maharani, W; Sampurno, H; Ruslami, R

    2013-10-01

    Defaulting from anti-tuberculosis treatment hinders tuberculosis (TB) control. To identify potential defaulters. We conducted a cohort study in newly diagnosed Indonesian TB patients. We administered a questionnaire, prospectively identified defaulters (discontinued treatment ≥ 2 weeks) and assessed risk factors using Cox's regression. Of 249 patients, 39 (16%) defaulted, 61% in the first 2 months. Default was associated with liver disease (HR 3.40, 95%CI 1.02-11.78), chest pain (HR 2.25, 95%CI 1.06-4.77), night sweats (HR 1.98, 95%CI 1.03-3.79), characteristics of the head of the household (self-employed, HR 2.47, 95%CI 1.15-5.34; patient's mother, HR 7.72, 95%CI 1.66-35.88), household wealth (HR 4.24, 95%CI 1.12-16.09), walking to clinic (HR 4.53, 95%CI 1.39-14.71), being unaccompanied at diagnosis (HR 30.49, 95%CI 7.55-123.07) or when collecting medication (HR 3.34, 95%CI 1.24-8.98) and low level of satisfaction with the clinic (HR 3.85, 95%CI 1.17-12.62) or doctors (HR 2.45, 95%CI 1.18-5.10). Health insurance (HR 0.24, 95%CI 0.07-0.74) and paying for diagnosis (HR 0.14, 95%CI 0.04-0.48) were protective. Defaulting is common and occurs early. Interventions that improve clinic services, strengthen patient support and increase insurance coverage may reduce default in Indonesia.

  18. 10 CFR 2.320 - Default.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... § 2.320 Default. If a party fails to file an answer or pleading within the time prescribed in this... orders in regard to the failure that are just, including, among others, the following: (a) Without...

  19. Using default methodologies to derive an acceptable daily exposure (ADE).

    PubMed

    Faria, Ellen C; Bercu, Joel P; Dolan, David G; Morinello, Eric J; Pecquet, Alison M; Seaman, Christopher; Sehner, Claudia; Weideman, Patricia A

    2016-08-01

    This manuscript discusses the different historical and more recent default approaches that have been used to derive an acceptable daily exposure (ADE). While it is preferable to derive a health-based ADE based on a complete nonclinical and clinical data package, this is not always possible. For instance, for drug candidates in early development there may be no or limited nonclinical or clinical trial data. Alternative approaches that can support decision making with less complete data packages represent a variety of methods that rely on default assumptions or data inputs where chemical-specific data on health effects are lacking. A variety of default approaches are used including those based on certain toxicity estimates, a fraction of the therapeutic dose, cleaning-based limits, the threshold of toxicological concern (TTC), and application of hazard banding tools such as occupational exposure banding (OEB). Each of these default approaches is discussed in this manuscript, including their derivation, application, strengths, and limitations. In order to ensure patient safety when faced with toxicological and clinical data-gaps, default ADE methods should be purposefully as or more protective than ADEs derived from full data packages. Reliance on the subset of default approaches (e.g., TTC or OEB) that are based on toxicological data is preferred over other methods for establishing ADEs in early development while toxicology and clinical data are still being collected. Copyright © 2016. Published by Elsevier Inc.

  20. 6 CFR 13.10 - Default upon failure to answer.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 6 Domestic Security 1 2010-01-01 2010-01-01 false Default upon failure to answer. 13.10 Section 13.10 Domestic Security DEPARTMENT OF HOMELAND SECURITY, OFFICE OF THE SECRETARY PROGRAM FRAUD CIVIL REMEDIES § 13.10 Default upon failure to answer. (a) If the Defendant does not answer within the time...

  1. Student Borrowing in America: Metrics, Demographics, Default Aversion Strategies

    ERIC Educational Resources Information Center

    Kesterman, Frank

    2006-01-01

    The use of Cohort Default Rate (CDR) as the primary measure of student loan defaults among undergraduates was investigated. The study used data extracted from the National Student Loan Data System (NSLDS), quantitative analysis of Likert-scale survey responses from 153 student financial aid professionals on proposed changes to present metrics and…

  2. 12 CFR 615.5280 - Retirement in event of default.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 7 2013-01-01 2013-01-01 false Retirement in event of default. 615.5280 Section 615.5280 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM FUNDING AND FISCAL... Dividends § 615.5280 Retirement in event of default. (a) When the debt of a holder of eligible borrower...

  3. 12 CFR 615.5280 - Retirement in event of default.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 7 2014-01-01 2014-01-01 false Retirement in event of default. 615.5280 Section 615.5280 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM FUNDING AND FISCAL... Dividends § 615.5280 Retirement in event of default. (a) When the debt of a holder of eligible borrower...

  4. 12 CFR 615.5280 - Retirement in event of default.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 7 2012-01-01 2012-01-01 false Retirement in event of default. 615.5280 Section 615.5280 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM FUNDING AND FISCAL... Dividends § 615.5280 Retirement in event of default. (a) When the debt of a holder of eligible borrower...

  5. 12 CFR 615.5280 - Retirement in event of default.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Retirement in event of default. 615.5280 Section 615.5280 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM FUNDING AND FISCAL... Dividends § 615.5280 Retirement in event of default. (a) When the debt of a holder of eligible borrower...

  6. 12 CFR 615.5280 - Retirement in event of default.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 6 2011-01-01 2011-01-01 false Retirement in event of default. 615.5280 Section 615.5280 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM FUNDING AND FISCAL... Dividends § 615.5280 Retirement in event of default. (a) When the debt of a holder of eligible borrower...

  7. Evaluation of outpatient therapeutic programme (OTP) for treatment of severe acute malnutrition in Yemen: a focus on treatment default and its risk factors.

    PubMed

    Al Amad, Mohammed; Al-Eryani, Lina; Al Serouri, Abdulwahed; Khader, Yousef S

    2017-12-01

    This study aimed to measure the treatment default rate among children with severe acute malnutrition (SAM) who were admitted to the outpatient therapeutic programme (OTP) in Yemen and determine its risk factors. A prospective study was conducted among children with SAM who were newly admitted to the 11 OTPs in primary health centres of Sana'a city. A pretested semistructured questionnaire was used for data collection at admission and at after 2 months of admission to the OTP. Univariate and multivariate analysis using binary logistic regression were used to analyse the risk factors of treatment default. This study included 339 SAM children. Of those, 186 (55%) children discharged as defaulters, 141 (42%) were cured, and 12 (3%) were transferred to other treatment sites. Many factors related to poor accessibility, poor satisfaction with staff and system, and treatment and acceptability of OTP services factors were significantly associated with treatment default. Having difficulty to attend OTP every week (OR 8.4), unavailability of medication during follow-up visits (OR 5.0), not liking to eat Plumpy'Nut (OR 5.8), and not gaining weight since the start of treatment (OR 9.3) were the strongest predictors of treatment default. This study showed a high default rate among SAM children in Sana'a city. Factors related to poor accessibility, poor satisfaction with staff and system, and factors related to treatment and acceptability of OTP services were significantly associated with high default rate. Expansion of OTP services and training OTPs staff on SAM treatment protocols are highly recommended. © 2017 John Wiley & Sons, Ltd.

  8. In Good Standing: "Helping Colleges Manage Student Default Rates"

    ERIC Educational Resources Information Center

    Boerner, Heather

    2014-01-01

    The U.S. Department of Education estimates that 20 percent of community college students default on their student loan obligations (compared with 14.7 percent of all student loan borrowers), and that number is rising. What can community college financial officers do to keep their default numbers low? In this article, Heather Boerner describes the…

  9. 34 CFR Appendix A to Subpart N of... - Sample Default Prevention Plan

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 34 Education 3 2011-07-01 2011-07-01 false Sample Default Prevention Plan A Appendix A to Subpart N of Part 668 Education Regulations of the Offices of the Department of Education (Continued) OFFICE... Default Rates Appendix A to Subpart N of Part 668—Sample Default Prevention Plan This appendix is provided...

  10. Default Network Modulation and Large-Scale Network Interactivity in Healthy Young and Old Adults

    PubMed Central

    Schacter, Daniel L.

    2012-01-01

    We investigated age-related changes in default, attention, and control network activity and their interactions in young and old adults. Brain activity during autobiographical and visuospatial planning was assessed using multivariate analysis and with intrinsic connectivity networks as regions of interest. In both groups, autobiographical planning engaged the default network while visuospatial planning engaged the attention network, consistent with a competition between the domains of internalized and externalized cognition. The control network was engaged for both planning tasks. In young subjects, the control network coupled with the default network during autobiographical planning and with the attention network during visuospatial planning. In old subjects, default-to-control network coupling was observed during both planning tasks, and old adults failed to deactivate the default network during visuospatial planning. This failure is not indicative of default network dysfunction per se, evidenced by default network engagement during autobiographical planning. Rather, a failure to modulate the default network in old adults is indicative of a lower degree of flexible network interactivity and reduced dynamic range of network modulation to changing task demands. PMID:22128194

  11. Structural Covariance of the Default Network in Healthy and Pathological Aging

    PubMed Central

    Turner, Gary R.

    2013-01-01

    Significant progress has been made uncovering functional brain networks, yet little is known about the corresponding structural covariance networks. The default network's functional architecture has been shown to change over the course of healthy and pathological aging. We examined cross-sectional and longitudinal datasets to reveal the structural covariance of the human default network across the adult lifespan and through the progression of Alzheimer's disease (AD). We used a novel approach to identify the structural covariance of the default network and derive individual participant scores that reflect the covariance pattern in each brain image. A seed-based multivariate analysis was conducted on structural images in the cross-sectional OASIS (N = 414) and longitudinal Alzheimer's Disease Neuroimaging Initiative (N = 434) datasets. We reproduced the distributed topology of the default network, based on a posterior cingulate cortex seed, consistent with prior reports of this intrinsic connectivity network. Structural covariance of the default network scores declined in healthy and pathological aging. Decline was greatest in the AD cohort and in those who progressed from mild cognitive impairment to AD. Structural covariance of the default network scores were positively associated with general cognitive status, reduced in APOEε4 carriers versus noncarriers, and associated with CSF biomarkers of AD. These findings identify the structural covariance of the default network and characterize changes to the network's gray matter integrity across the lifespan and through the progression of AD. The findings provide evidence for the large-scale network model of neurodegenerative disease, in which neurodegeneration spreads through intrinsically connected brain networks in a disease specific manner. PMID:24048852

  12. The application of defaults to optimize parents' health-based choices for children.

    PubMed

    Loeb, Katharine L; Radnitz, Cynthia; Keller, Kathleen; Schwartz, Marlene B; Marcus, Sue; Pierson, Richard N; Shannon, Michael; DeLaurentis, Danielle

    2017-06-01

    Optimal defaults is a compelling model from behavioral economics and the psychology of human decision-making, designed to shape or "nudge" choices in a positive direction without fundamentally restricting options. The current study aimed to test the effectiveness of optimal (less obesogenic) defaults and parent empowerment priming on health-based decisions with parent-child (ages 3-8) dyads in a community-based setting. Two proof-of-concept experiments (one on breakfast food selections and one on activity choice) were conducted comparing the main and interactive effects of optimal versus suboptimal defaults, and parent empowerment priming versus neutral priming, on parents' health-related choices for their children. We hypothesized that in each experiment, making the default option more optimal will lead to more frequent health-oriented choices, and that priming parents to be the ultimate decision-makers on behalf of their child's health will potentiate this effect. Results show that in both studies, default condition, but not priming condition or the interaction between default and priming, significantly predicted choice (healthier vs. less healthy option). There was also a significant main effect for default condition (and no effect for priming condition or the interaction term) on the quantity of healthier food children consumed in the breakfast experiment. These pilot studies demonstrate that optimal defaults can be practicably implemented to improve parents' food and activity choices for young children. Results can inform policies and practices pertaining to obesogenic environmental factors in school, restaurant, and home environments. Copyright © 2017 Elsevier Ltd. All rights reserved.

  13. Student Loans: Direct Loan Default. Report to Congressional Requesters.

    ERIC Educational Resources Information Center

    Bovbjerg, Barbara D.

    This report presents data on default rates within two major federal student loan programs, the Federal Direct Loan Program (FDLP) and the Federal Family Education Loan Program (FFELP). Data from the National Student Loan Data System for 1997 and 1998 indicate that, overall, direct and guaranteed student loan programs had similar default rates--6.6…

  14. Credit Default Swaps networks and systemic risk

    PubMed Central

    Puliga, Michelangelo; Caldarelli, Guido; Battiston, Stefano

    2014-01-01

    Credit Default Swaps (CDS) spreads should reflect default risk of the underlying corporate debt. Actually, it has been recognized that CDS spread time series did not anticipate but only followed the increasing risk of default before the financial crisis. In principle, the network of correlations among CDS spread time series could at least display some form of structural change to be used as an early warning of systemic risk. Here we study a set of 176 CDS time series of financial institutions from 2002 to 2011. Networks are constructed in various ways, some of which display structural change at the onset of the credit crisis of 2008, but never before. By taking these networks as a proxy of interdependencies among financial institutions, we run stress-test based on Group DebtRank. Systemic risk before 2008 increases only when incorporating a macroeconomic indicator reflecting the potential losses of financial assets associated with house prices in the US. This approach indicates a promising way to detect systemic instabilities. PMID:25366654

  15. Meditation leads to reduced default mode network activity beyond an active task

    PubMed Central

    Garrison, Kathleen A.; Zeffiro, Thomas A.; Scheinost, Dustin; Constable, R. Todd; Brewer, Judson A.

    2015-01-01

    Meditation has been associated with relatively reduced activity in the default mode network, a brain network implicated in self-related thinking and mind wandering. However, previous imaging studies have typically compared meditation to rest despite other studies reporting differences in brain activation patterns between meditators and controls at rest. Moreover, rest is associated with a range of brain activation patterns across individuals that has only recently begun to be better characterized. Therefore, this study compared meditation to another active cognitive task, both to replicate findings that meditation is associated with relatively reduced default mode network activity, and to extend these findings by testing whether default mode activity was reduced during meditation beyond the typical reductions observed during effortful tasks. In addition, prior studies have used small groups, whereas the current study tested these hypotheses in a larger group. Results indicate that meditation is associated with reduced activations in the default mode network relative to an active task in meditators compared to controls. Regions of the default mode showing a group by task interaction include the posterior cingulate/precuneus and anterior cingulate cortex. These findings replicate and extend prior work indicating that suppression of default mode processing may represent a central neural process in long-term meditation, and suggest that meditation leads to relatively reduced default mode processing beyond that observed during another active cognitive task. PMID:25904238

  16. 10 CFR 609.15 - Default, demand, payment, and collateral liquidation.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 10 Energy 4 2011-01-01 2011-01-01 false Default, demand, payment, and collateral liquidation. 609.15 Section 609.15 Energy DEPARTMENT OF ENERGY (CONTINUED) ASSISTANCE REGULATIONS LOAN GUARANTEES FOR PROJECTS THAT EMPLOY INNOVATIVE TECHNOLOGIES § 609.15 Default, demand, payment, and collateral liquidation...

  17. 10 CFR 611.111 - Default, demand, payment, and collateral liquidation.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 10 Energy 4 2010-01-01 2010-01-01 false Default, demand, payment, and collateral liquidation. 611.111 Section 611.111 Energy DEPARTMENT OF ENERGY (CONTINUED) ASSISTANCE REGULATIONS ADVANCED TECHNOLOGY VEHICLES MANUFACTURER ASSISTANCE PROGRAM Direct Loan Program § 611.111 Default, demand, payment, and...

  18. College on Credit: A Multilevel Analysis of Student Loan Default

    ERIC Educational Resources Information Center

    Hillman, Nicholas W.

    2014-01-01

    This study updates and expands the literature on student loan default. By applying multilevel regression to the Beginning Postsecondary Students survey, four key findings emerge. First, attending proprietary institutions is strongly associated with default, even after accounting for students' socioeconomic and academic backgrounds. Second,…

  19. 34 CFR 668.202 - Calculating and applying cohort default rates.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Calculating and applying cohort default rates. 668.202 Section 668.202 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION STUDENT ASSISTANCE GENERAL PROVISIONS Cohort Default Rates...

  20. 34 CFR 668.183 - Calculating and applying cohort default rates.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Calculating and applying cohort default rates. 668.183 Section 668.183 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION STUDENT ASSISTANCE GENERAL PROVISIONS Two Year Cohort Default...

  1. 75 FR 60258 - Federal Acquisition Regulation; Termination for Default Reporting

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-09-29

    ... terminations for cause or default and defective cost or pricing data, into the Past Performance Information... defective cost or pricing data and terminations for cause or default into the FAPIIS module of the PPIRS... Pricing Information Comment: One respondent submitted two separate comments suggesting that defective...

  2. Defaults, context, and knowledge: alternatives for OWL-indexed knowledge bases.

    PubMed

    Rector, A

    2004-01-01

    The new Web Ontology Language (OWL) and its Description Logic compatible sublanguage (OWL-DL) explicitly exclude defaults and exceptions, as do all logic based formalisms for ontologies. However, many biomedical applications appear to require default reasoning, at least if they are to be engineered in a maintainable way. Default reasoning has always been one of the great strengths of Frame systems such as Protégé. Resolving this conflict requires analysis of the different uses for defaults and exceptions. In some cases, alternatives can be provided within the OWL framework; in others, it appears that hybrid reasoning about a knowledge base of contingent facts built around the core ontology is necessary. Trade-offs include both human factors and the scaling of computational performance. The analysis presented here is based on the OpenGALEN experience with large scale ontologies using a formalism, GRAIL, which explicitly incorporates constructs for hybrid reasoning, numerous experiments with OWL, and initial work on combining OWL and Protégé.

  3. The brain's default network: origins and implications for the study of psychosis.

    PubMed

    Buckner, Randy L

    2013-09-01

    The brain's default network is a set of regions that is spontaneously active during passive moments. The network is also active during directed tasks that require participants to remember past events or imagine upcoming events. One hypothesis is that the network facilitates construction of mental models (simulations) that can be used adaptively in many contexts. Extensive research has considered whether disruption of the default network may contribute to disease. While an intriguing possibility, a specific challenge to this notion is the fact that it is difficult to accurately measure the default network in patients where confounds of head motion and compliance are prominent. Nonetheless, some intriguing recent findings suggest that dysfunctional interactions between front-oparietal control systems and the default network contribute to psychosis. Psychosis may be a network disturbance that manifests as disordered thought partly because it disrupts the fragile balance between the default network and competing brain systems.

  4. Which Urban Migrants Default from Tuberculosis Treatment in Shanghai, China?

    PubMed Central

    Chen, Jing; Qi, Lihong; Xia, Zhen; Shen, Mei; Shen, Xin; Mei, Jian; DeRiemer, Kathryn; Zheng’an Yuan

    2013-01-01

    Background Migration is a major challenge to tuberculosis (TB) control worldwide. TB treatment requires multiple drugs for at least six months. Some TB patients default before completing their treatment regimen, which can lead to ongoing infectiousness and drug resistance. Methods We conducted a retrospective analysis of 29,943 active TB cases among urban migrants that were reported between 2000 to 2008 in Shanghai, China. We used logistic regression models to identify factors independently associated with treatment defaults in TB patients among urban migrants during 2005-2008. Results Fifty-two percent of the total TB patients reported in Shanghai during the study period were among urban migrants. Three factors increased the odds of a treatment default: case management using self-administered therapy (OR, 5.84, 95% CI, 3.14-10.86, p<0.0005), being a retreatment case (OR, 1.47, 95% CI, 1.25-1.71, p<0.0005), and age >60 years old (OR, 1.33, 95% CI, 1.05-1.67, p=0.017). The presence of a cavity in the initial chest radiograph decreased the odds for a treatment default (OR, 0.87, 95% CI, 0.77-0.97, p=0.015), as did migration from central China (OR, 0.85, 95% CI, 0.73-0.99, p=0.042), case management by family members (OR, 0.73, 95% CI 0.66-0.81, p<0.0005), and the combination of case detection by a required physical exam and case management by health care staff (OR, 0.64, 95% CI, 0.45-0.93, p=0.019). Conclusion Among TB patients who were urban migrants in Shanghai, case management using self-administered therapy was the strongest modifiable risk factor that was independently associated with treatment defaults. Interventions that target retreated TB cases could also reduce treatment defaults among urban migrants. Health departments should develop effective measures to prevent treatment defaults among urban migrants, to ensure completion of therapy among urban migrants who move between cities and provinces, and to improve reporting of treatment outcomes. PMID:24312292

  5. 10 CFR 820.33 - Default order.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... respondent unless the Director presents sufficient evidence to the Presiding Officer to establish a prima facie case against the respondent. Default by respondent constitutes, for purposes of the pending action...

  6. 19 CFR 210.17 - Other failure to act and default.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 19 Customs Duties 3 2014-04-01 2014-04-01 false Other failure to act and default. 210.17 Section 210.17 Customs Duties UNITED STATES INTERNATIONAL TRADE COMMISSION INVESTIGATIONS OF UNFAIR PRACTICES IN IMPORT TRADE ADJUDICATION AND ENFORCEMENT Motions § 210.17 Other failure to act and default...

  7. Meditation leads to reduced default mode network activity beyond an active task.

    PubMed

    Garrison, Kathleen A; Zeffiro, Thomas A; Scheinost, Dustin; Constable, R Todd; Brewer, Judson A

    2015-09-01

    Meditation has been associated with relatively reduced activity in the default mode network, a brain network implicated in self-related thinking and mind wandering. However, previous imaging studies have typically compared meditation to rest, despite other studies having reported differences in brain activation patterns between meditators and controls at rest. Moreover, rest is associated with a range of brain activation patterns across individuals that has only recently begun to be better characterized. Therefore, in this study we compared meditation to another active cognitive task, both to replicate the findings that meditation is associated with relatively reduced default mode network activity and to extend these findings by testing whether default mode activity was reduced during meditation, beyond the typical reductions observed during effortful tasks. In addition, prior studies had used small groups, whereas in the present study we tested these hypotheses in a larger group. The results indicated that meditation is associated with reduced activations in the default mode network, relative to an active task, for meditators as compared to controls. Regions of the default mode network showing a Group × Task interaction included the posterior cingulate/precuneus and anterior cingulate cortex. These findings replicate and extend prior work indicating that the suppression of default mode processing may represent a central neural process in long-term meditation, and they suggest that meditation leads to relatively reduced default mode processing beyond that observed during another active cognitive task.

  8. Default, Cognitive, and Affective Brain Networks in Human Tinnitus

    DTIC Science & Technology

    2015-10-01

    AWARD NUMBER: W81XWH-13-1-0491 TITLE: Default, Cognitive, and Affective Brain Networks in Human Tinnitus PRINCIPAL INVESTIGATOR: Jennifer R...SUBTITLE 5a. CONTRACT NUMBER Default, Cognitive and Affective Brain Networks in Human Tinnitus 5b. GRANT NUMBER 5c. PROGRAM ELEMENT NUMBER 6...Release; Distribution Unlimited 13. SUPPLEMENTARY NOTES 14. ABSTRACT Tinnitus is a major health problem among those currently and formerly in military

  9. The brain's default network: origins and implications for the study of psychosis

    PubMed Central

    Buckner, Randy L.

    2013-01-01

    The brain's default network is a set of regions that is spontaneously active during passive moments. The network is also active during directed tasks that require participants to remember past events or imagine upcoming events. One hypothesis is that the network facilitates construction of mental models (simulations) that can be used adaptively in many contexts. Extensive research has considered whether disruption of the default network may contribute to disease. While an intriguing possibility, a specific challenge to this notion is the fact that it is difficult to accurately measure the default network in patients where confounds of head motion and compliance are prominent. Nonetheless, some intriguing recent findings suggest that dysfunctional interactions between front-oparietal control systems and the default network contribute to psychosis. Psychosis may be a network disturbance that manifests as disordered thought partly because it disrupts the fragile balance between the default network and competing brain systems. PMID:24174906

  10. Incorporating Employee Heterogeneity into Default Rules for Retirement Plan Selection

    ERIC Educational Resources Information Center

    Goda, Gopi Shah; Manchester, Colleen Flaherty

    2013-01-01

    We study the effect of incorporating heterogeneity into default rules by examining the choice between retirement plans at a firm that transitioned from a defined benefit (DB) to a defined contribution (DC) plan. The default plan for existing employees varied discontinuously depending on their age. Employing regression discontinuity techniques,…

  11. Directly observed treatment is associated with reduced default among foreign tuberculosis patients in Thailand.

    PubMed

    Kapella, B K; Anuwatnonthakate, A; Komsakorn, S; Moolphate, S; Charusuntonsri, P; Limsomboon, P; Wattanaamornkiat, W; Nateniyom, S; Varma, J K

    2009-02-01

    Thailand's Tuberculosis (TB) Active Surveillance Network in four provinces in Thailand. As treatment default is common in mobile and foreign populations, we evaluated risk factors for default among non-Thai TB patients in Thailand. Observational cohort study using TB program data. Analysis was restricted to patients with an outcome categorized as cured, completed, failure or default. We used multivariate analysis to identify factors associated with default, including propensity score analysis, to adjust for factors associated with receiving directly observed treatment (DOT). During October 2004-September 2006, we recorded data for 14359 TB patients, of whom 995 (7%) were non-Thais. Of the 791 patients analyzed, 313 (40%) defaulted. In multivariate analysis, age>or=45 years (RR 1.47, 95%CI 1.25-1.74), mobility (RR 2.36, 95%CI 1.77-3.14) and lack of DOT (RR 2.29, 95%CI 1.45-3.61) were found to be significantly associated with default among non-Thais. When controlling for propensity to be assigned DOT, the risk of default remained increased in those not assigned DOT (RR 1.99, 95%CI 1.03-3.85). In non-Thai TB patients, DOT was the only modifiable factor associated with default. Using DOT may help improve TB treatment outcomes in non-Thai TB patients.

  12. WHO Multidrug Therapy for Leprosy: Epidemiology of Default in Treatment in Agra District, Uttar Pradesh, India

    PubMed Central

    Kumar, Anil; Girdhar, Anita; Chakma, Joy Kumar; Girdhar, Bhuwneswar Kumar

    2015-01-01

    Aim. To study the magnitude of default, time of default, its causes, and final clinical outcome. Methods. Data collected in active surveys in Agra is analyzed. Patients were given treatment after medical confirmation and were followed up. The treatment default and other clinical outcomes were recorded. Results. Patients who defaulted have comparable demographic characteristics. However, among defaulters more women (62.7% in PB, 42.6% in MB) were seen than those in treatment completers (PB 52.7% and MB 35.9%). Nerve involvement was high in treatment completers: 45.7% in PB and 91.3% in MB leprosy. Overall default rate was lower (14.8%) in ROM than (28.8%) in standard MDT for PB leprosy (χ 1 2 = 11.6, P = 0.001) and also for MB leprosy: 9.1% in ROM compared to 34.5% in MDT (χ 1 2 = 6.0, P = 0.015). Default rate was not different (28.8% versus 34.5%, P > 0.05) in both types of leprosy given MDT. Most patients defaulted at early stage of treatment and mainly due to manageable side effects. Conclusion. The default in standard MDT both for PB and MB leprosy was observed to be significantly higher than in ROM treatment. Most defaults occurred at early stage of treatment and major contribution of default is due to side effects like drowsiness, weakness, vomiting, diarrhea, and so forth, related to poor general health. Although about half of the defaulters were observed to be cured 2.2% in PB-MDT and 10.9% of MB-MDT developed disability. This is an issue due to default. Attempts are needed to increase treatment compliance. The use of specially designed disease related health education along with easily administered drug regimens may help to reduce default. PMID:25705679

  13. Student Loan Default: Do Characteristics of Four-Year Institutions Contribute to the Puzzle?

    ERIC Educational Resources Information Center

    Webber, Karen L.; Rogers, Sharon L.

    2010-01-01

    College student debt and loan default are growing concerns in the United States. For each U.S. institution, the federal government is now reporting a cohort default rate, which is the percent of students who defaulted on their loan, averaged over a three-year period. Previous studies have amply shown that student characteristics are strongly…

  14. Prevalence and characteristics associated with default of treatment and follow-up in patients with cancer.

    PubMed

    Chan, C M H; Wan Ahmad, W A; Md Yusof, M; Ho, G F; Krupat, E

    2015-11-01

    Defaulting is an important issue across all medical specialties, but much more so in cancer as delayed or incomplete treatment has been shown to result in worse clinical outcomes such as treatment resistance, disease progression as well as lower survival. Our objective was to identify psychosocial variables and characteristics associated with default among cancer patients. A total of 467 consecutive adult cancer patients attending the oncology clinic at a single academic medical centre completed the Hospital Anxiety and Depression Scale and reported their preference for psychological support at baseline, 4-6 weeks and 12-18 months follow-up. Default was defined as refusal, delay or discontinuation of treatment or visit, despite the ability to do so. A total of 159 of 467 (34.0%) cancer patients were defaulters. Of these 159 defaulters, 89 (56.0%) desired psychological support, compared to only 13 (4.2%) of 308 non-defaulters. Using a logistic regression, patients who were defaulters had 52 times higher odds (P = 0.001; 95% confidence interval 20.61-134.47) of desiring psychological support than non-defaulters after adjusting for covariates. These findings suggest that defaulters should be offered psychological support which may increase cancer treatment acceptance rates and improve survival. © 2015 John Wiley & Sons Ltd.

  15. President Hails Continued Decline in Default Rate on Student Loans.

    ERIC Educational Resources Information Center

    Burd, Stephen

    1997-01-01

    President Bill Clinton used the declining default rate on college student loans as a basis for proposing tax breaks for college costs. Reduced defaults have saved taxpayer money and helped reduce the federal deficit. Over 150 colleges and universities, including 25 private institutions, risk losing eligibility for federal grant and loan programs…

  16. 24 CFR 883.607 - Default by owner and/or agency.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... Agency defaults under Agreement or Contract. The ACC, the Agreement and the Contract will provide that... enter into the Contract. (b) Rights of HUD if Agency defaults under ACC. The ACC will provide that, if...; however, HUD will continue to pay annual contributions in accordance with the terms of the ACC and the...

  17. 24 CFR 883.607 - Default by owner and/or agency.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... Agency defaults under Agreement or Contract. The ACC, the Agreement and the Contract will provide that... enter into the Contract. (b) Rights of HUD if Agency defaults under ACC. The ACC will provide that, if...; however, HUD will continue to pay annual contributions in accordance with the terms of the ACC and the...

  18. 24 CFR 985.109 - Default under the Annual Contributions Contract (ACC).

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... Contributions Contract (ACC). 985.109 Section 985.109 Housing and Urban Development REGULATIONS RELATING TO... § 985.109 Default under the Annual Contributions Contract (ACC). HUD may determine that an PHA's failure... required by HUD constitutes a default under the ACC. ...

  19. 24 CFR 985.109 - Default under the Annual Contributions Contract (ACC).

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... Contributions Contract (ACC). 985.109 Section 985.109 Housing and Urban Development Regulations Relating to... § 985.109 Default under the Annual Contributions Contract (ACC). HUD may determine that an PHA's failure... required by HUD constitutes a default under the ACC. ...

  20. 14 CFR 1261.413 - Analysis of costs; automation; prevention of overpayments, delinquencies, or defaults.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... of overpayments, delinquencies, or defaults. 1261.413 Section 1261.413 Aeronautics and Space NATIONAL...) § 1261.413 Analysis of costs; automation; prevention of overpayments, delinquencies, or defaults. The... internal controls to identify causes, if any, of overpayments, delinquencies, and defaults, and establish...

  1. Impact of patient and program factors on default during treatment of multidrug-resistant tuberculosis.

    PubMed

    Gler, M T; Podewils, L J; Munez, N; Galipot, M; Quelapio, M I D; Tupasi, T E

    2012-07-01

    In the Philippines, programmatic treatment of drug-resistant tuberculosis (TB) was initiated by the Tropical Disease Foundation in 1999 and transitioned to the National TB Program in 2006. To determine patient and socio-demographic characteristics associated with default, and the impact of patient support measures on default. Retrospective cohort analysis of 583 MDR-TB patients treated from 1999 to 2006. A total of 88 (15%) patients defaulted from treatment. The median follow-up time for patients who defaulted was 289 days (range 1-846). In multivariate analysis adjusted for age, sex and previous TB treatment, receiving a greater number of treatment drugs (≥ 5 vs. 2-3 drugs, HR 7.2, 95%CI 3.3-16.0, P < 0.001) was significantly associated with an increased risk of default, while decentralization reduced the risk of default (HR 0.3, 95%CI 0.2-0.7, P < 0.001). Improving access to treatment for MDR-TB through decentralization of care to centers near the patient's residence reduced the risk of default. Further research is needed to evaluate the feasibility, impact and cost-effectiveness of decentralized care models for MDR-TB treatment.

  2. Protecting Colleges and Students: Community College Strategies to Prevent Default

    ERIC Educational Resources Information Center

    McKibben, Bryce; La Rocque, Matthew; Cochrane, Debbie

    2014-01-01

    Student loan default, defined as federal loan borrowers' failure to make any payments for at least 270 days, is an issue of increasing importance to community colleges and their students. This report takes a unique look at student loan default at nine community colleges across the nation, and how those colleges are working to help students avoid…

  3. Predictors of Default from Treatment for Tuberculosis: a Single Center Case–Control Study in Korea

    PubMed Central

    2016-01-01

    Default from tuberculosis (TB) treatment could exacerbate the disease and result in the emergence of drug resistance. This study identified the risk factors for default from TB treatment in Korea. This single-center case–control study analyzed 46 default cases and 100 controls. Default was defined as interrupting treatment for 2 or more consecutive months. The reasons for default were mainly incorrect perception or information about TB (41.3%) and experience of adverse events due to TB drugs (41.3%). In univariate analysis, low income (< 2,000 US dollars/month, 88.1% vs. 68.4%, P = 0.015), absence of TB stigma (4.3% vs. 61.3%, P < 0.001), treatment by a non-pulmonologist (74.1% vs. 25.9%, P < 0.001), history of previous treatment (37.0% vs. 19.0%, P = 0.019), former defaulter (15.2% vs. 2.0%, P = 0.005), and combined extrapulmonary TB (54.3% vs. 34.0%, P = 0.020) were significant risk factors for default. In multivariate analysis, the absence of TB stigma (adjusted odd ratio [aOR]: 46.299, 95% confidence interval [CI]: 8.078–265.365, P < 0.001), treatment by a non-pulmonologist (aOR: 14.567, 95% CI: 3.260–65.089, P < 0.001), former defaulters (aOR: 33.226, 95% CI: 2.658–415.309, P = 0.007), and low income (aOR: 5.246, 95% CI: 1.249–22.029, P = 0.024) were independent predictors of default from TB treatment. In conclusion, patients with absence of disease stigma, treated by a non-pulmonologist, who were former defaulters, and with low income should be carefully monitored during TB treatment in Korea to avoid treatment default. PMID:26839480

  4. Predictors of Default from Treatment for Tuberculosis: a Single Center Case-Control Study in Korea.

    PubMed

    Park, Cheol-Kyu; Shin, Hong-Joon; Kim, Yu-Il; Lim, Sung-Chul; Yoon, Jeong-Sun; Kim, Young-Su; Kim, Jung-Chul; Kwon, Yong-Soo

    2016-02-01

    Default from tuberculosis (TB) treatment could exacerbate the disease and result in the emergence of drug resistance. This study identified the risk factors for default from TB treatment in Korea. This single-center case-control study analyzed 46 default cases and 100 controls. Default was defined as interrupting treatment for 2 or more consecutive months. The reasons for default were mainly incorrect perception or information about TB (41.3%) and experience of adverse events due to TB drugs (41.3%). In univariate analysis, low income (< 2,000 US dollars/month, 88.1% vs. 68.4%, P = 0.015), absence of TB stigma (4.3% vs. 61.3%, P < 0.001), treatment by a non-pulmonologist (74.1% vs. 25.9%, P < 0.001), history of previous treatment (37.0% vs. 19.0%, P = 0.019), former defaulter (15.2% vs. 2.0%, P = 0.005), and combined extrapulmonary TB (54.3% vs. 34.0%, P = 0.020) were significant risk factors for default. In multivariate analysis, the absence of TB stigma (adjusted odd ratio [aOR]: 46.299, 95% confidence interval [CI]: 8.078-265.365, P < 0.001), treatment by a non-pulmonologist (aOR: 14.567, 95% CI: 3.260-65.089, P < 0.001), former defaulters (aOR: 33.226, 95% CI: 2.658-415.309, P = 0.007), and low income (aOR: 5.246, 95% CI: 1.249-22.029, P = 0.024) were independent predictors of default from TB treatment. In conclusion, patients with absence of disease stigma, treated by a non-pulmonologist, who were former defaulters, and with low income should be carefully monitored during TB treatment in Korea to avoid treatment default.

  5. Modelling default and likelihood reasoning as probabilistic

    NASA Technical Reports Server (NTRS)

    Buntine, Wray

    1990-01-01

    A probabilistic analysis of plausible reasoning about defaults and about likelihood is presented. 'Likely' and 'by default' are in fact treated as duals in the same sense as 'possibility' and 'necessity'. To model these four forms probabilistically, a logic QDP and its quantitative counterpart DP are derived that allow qualitative and corresponding quantitative reasoning. Consistency and consequence results for subsets of the logics are given that require at most a quadratic number of satisfiability tests in the underlying propositional logic. The quantitative logic shows how to track the propagation error inherent in these reasoning forms. The methodology and sound framework of the system highlights their approximate nature, the dualities, and the need for complementary reasoning about relevance.

  6. 22 CFR 221.21 - Event of Default; Application for Compensation; payment.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 22 Foreign Relations 1 2010-04-01 2010-04-01 false Event of Default; Application for Compensation; payment. 221.21 Section 221.21 Foreign Relations AGENCY FOR INTERNATIONAL DEVELOPMENT ISRAEL LOAN GUARANTEE STANDARD TERMS AND CONDITIONS Procedure for Obtaining Compensation § 221.21 Event of Default...

  7. 48 CFR 52.249-9 - Default (Fixed-Price Research and Development).

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... Research and Development). 52.249-9 Section 52.249-9 Federal Acquisition Regulations System FEDERAL... Provisions and Clauses 52.249-9 Default (Fixed-Price Research and Development). As prescribed in 49.504(b), insert the following clause: Default (Fixed-Price Research and Development) (APR 1984) (a)(1) The...

  8. 48 CFR 52.249-9 - Default (Fixed-Price Research and Development).

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... Research and Development). 52.249-9 Section 52.249-9 Federal Acquisition Regulations System FEDERAL... Provisions and Clauses 52.249-9 Default (Fixed-Price Research and Development). As prescribed in 49.504(b), insert the following clause: Default (Fixed-Price Research and Development) (APR 1984) (a)(1) The...

  9. 48 CFR 52.249-9 - Default (Fixed-Price Research and Development).

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... Research and Development). 52.249-9 Section 52.249-9 Federal Acquisition Regulations System FEDERAL... Provisions and Clauses 52.249-9 Default (Fixed-Price Research and Development). As prescribed in 49.504(b), insert the following clause: Default (Fixed-Price Research and Development) (APR 1984) (a)(1) The...

  10. 48 CFR 52.249-9 - Default (Fixed-Price Research and Development).

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... Research and Development). 52.249-9 Section 52.249-9 Federal Acquisition Regulations System FEDERAL... Provisions and Clauses 52.249-9 Default (Fixed-Price Research and Development). As prescribed in 49.504(b), insert the following clause: Default (Fixed-Price Research and Development) (APR 1984) (a)(1) The...

  11. 48 CFR 52.249-9 - Default (Fixed-Price Research and Development).

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... Research and Development). 52.249-9 Section 52.249-9 Federal Acquisition Regulations System FEDERAL... Provisions and Clauses 52.249-9 Default (Fixed-Price Research and Development). As prescribed in 49.504(b), insert the following clause: Default (Fixed-Price Research and Development) (APR 1984) (a)(1) The...

  12. 7 CFR 1493.500 - Notice of default and claims for loss.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... CORPORATION, DEPARTMENT OF AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS CCC EXPORT CREDIT GUARANTEE PROGRAMS CCC Supplier Credit Guarantee Program Operations § 1493.500 Notice of default and claims for loss... obligation, the exporter or the exporter's assignee must submit a notice of default to CCC as soon as...

  13. 7 CFR 1493.500 - Notice of default and claims for loss.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... CORPORATION, DEPARTMENT OF AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS CCC EXPORT CREDIT GUARANTEE PROGRAMS CCC Supplier Credit Guarantee Program Operations § 1493.500 Notice of default and claims for loss... obligation, the exporter or the exporter's assignee must submit a notice of default to CCC as soon as...

  14. 29 CFR 4219.32 - Interest on overdue, defaulted and overpaid withdrawal liability.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ..., as reported by the Board of Governors of the Federal Reserve System in Statistical Release H.15... default, the date of the missed payment that gave rise to the delinquency or the default. (e) Date paid...

  15. 24 CFR 891.585 - Default by Borrower.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... suspension of housing assistance payments and recovery of overpayments, where appropriate; and (2) That if... other corrective action. (b) Loan provisions. Additional provisions governing default under the section...

  16. Improving default risk prediction using Bayesian model uncertainty techniques.

    PubMed

    Kazemi, Reza; Mosleh, Ali

    2012-11-01

    Credit risk is the potential exposure of a creditor to an obligor's failure or refusal to repay the debt in principal or interest. The potential of exposure is measured in terms of probability of default. Many models have been developed to estimate credit risk, with rating agencies dating back to the 19th century. They provide their assessment of probability of default and transition probabilities of various firms in their annual reports. Regulatory capital requirements for credit risk outlined by the Basel Committee on Banking Supervision have made it essential for banks and financial institutions to develop sophisticated models in an attempt to measure credit risk with higher accuracy. The Bayesian framework proposed in this article uses the techniques developed in physical sciences and engineering for dealing with model uncertainty and expert accuracy to obtain improved estimates of credit risk and associated uncertainties. The approach uses estimates from one or more rating agencies and incorporates their historical accuracy (past performance data) in estimating future default risk and transition probabilities. Several examples demonstrate that the proposed methodology can assess default probability with accuracy exceeding the estimations of all the individual models. Moreover, the methodology accounts for potentially significant departures from "nominal predictions" due to "upsetting events" such as the 2008 global banking crisis. © 2012 Society for Risk Analysis.

  17. The effect of a default-based nudge on the choice of whole wheat bread.

    PubMed

    van Kleef, Ellen; Seijdell, Karen; Vingerhoeds, Monique H; de Wijk, René A; van Trijp, Hans C M

    2018-02-01

    Consumer choices are often influenced by the default option presented. This study examines the effect of whole wheat bread as a default option in a sandwich choice situation. Whole wheat bread consists of 100% whole grain and is healthier than other bread types that are commonly consumed, such as brown or white bread. A pilot survey (N = 291) examined the strength of combinations of toppings and bread type as carrier to select stimuli for the main study. In the main experimental study consisting of a two (bread type) by two (topping type) between-subjects design, participants (N = 226) were given a free sandwich at a university stand with either a relatively unhealthy deep-fried snack (croquette) or a healthy topping. About half of the participants were offered a whole wheat bun unless they asked for white bun, and the other half were offered a white bun unless they asked for a whole wheat bun. Regardless of the topping, the results show that when the whole wheat bun was the default option, 108 out of 115 participants (94%) decided to stick with this default option. When the default of bread offered was white, 89 out of 111 participants (80%) similarly chose to stick with this default. Across conditions, participants felt equally free to make a choice. The attractiveness of and willingness to pay for the sandwich were not affected by default type of bread. This study demonstrated a strong default effect of bread type. This clearly shows the benefit of steering consumers towards a healthier bread choice, by offering healthier default bread at various locations such as restaurants, schools and work place canteens. Copyright © 2017 Elsevier Ltd. All rights reserved.

  18. The brain's default network: anatomy, function, and relevance to disease.

    PubMed

    Buckner, Randy L; Andrews-Hanna, Jessica R; Schacter, Daniel L

    2008-03-01

    Thirty years of brain imaging research has converged to define the brain's default network-a novel and only recently appreciated brain system that participates in internal modes of cognition. Here we synthesize past observations to provide strong evidence that the default network is a specific, anatomically defined brain system preferentially active when individuals are not focused on the external environment. Analysis of connectional anatomy in the monkey supports the presence of an interconnected brain system. Providing insight into function, the default network is active when individuals are engaged in internally focused tasks including autobiographical memory retrieval, envisioning the future, and conceiving the perspectives of others. Probing the functional anatomy of the network in detail reveals that it is best understood as multiple interacting subsystems. The medial temporal lobe subsystem provides information from prior experiences in the form of memories and associations that are the building blocks of mental simulation. The medial prefrontal subsystem facilitates the flexible use of this information during the construction of self-relevant mental simulations. These two subsystems converge on important nodes of integration including the posterior cingulate cortex. The implications of these functional and anatomical observations are discussed in relation to possible adaptive roles of the default network for using past experiences to plan for the future, navigate social interactions, and maximize the utility of moments when we are not otherwise engaged by the external world. We conclude by discussing the relevance of the default network for understanding mental disorders including autism, schizophrenia, and Alzheimer's disease.

  19. Aberrant functional connectivity of default-mode network in type 2 diabetes patients.

    PubMed

    Cui, Ying; Jiao, Yun; Chen, Hua-Jun; Ding, Jie; Luo, Bing; Peng, Cheng-Yu; Ju, Sheng-Hong; Teng, Gao-Jun

    2015-11-01

    Type 2 diabetes mellitus is associated with increased risk for dementia. Patients with impaired cognition often show default-mode network disruption. We aimed to investigate the integrity of a default-mode network in diabetic patients by using independent component analysis, and to explore the relationship between network abnormalities, neurocognitive performance and diabetic variables. Forty-two patients with type 2 diabetes and 42 well-matched healthy controls were included and underwent resting-state functional MRI in a 3 Tesla unit. Independent component analysis was adopted to extract the default-mode network, including its anterior and posterior components. Z-maps of both sub-networks were compared between the two groups and correlated with each clinical variable. Patients showed increased connectivity around the medial prefrontal cortex in the anterior sub-network, but decreased connectivity around the posterior cingulate cortex in the posterior sub-network. The decreased connectivity in the posterior part was significantly correlated with the score on Complex Figure Test-delay recall test (r = 0.359, p = 0.020), the time spent on Trail-Making Test-part B (r = -0.346, p = 0.025) and the insulin resistance level (r = -0.404, p = 0.024). Dissociation pattern in the default-mode network was found in diabetic patients, which might provide powerful new insights into the neural mechanisms that underlie the diabetes-related cognitive decline. • Type 2 diabetes mellitus is associated with impaired cognition • Default- mode network plays a central role in maintaining normal cognition • Network connectivity within the default mode was disrupted in type 2 diabetes patients • Decreased network connectivity was correlated with cognitive performance and insulin resistance level • Disrupted default-mode network might explain the impaired cognition in diabetic population.

  20. 22 CFR 232.08 - Event of Default; Application for Compensation; payment.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 22 Foreign Relations 1 2013-04-01 2013-04-01 false Event of Default; Application for Compensation; payment. 232.08 Section 232.08 Foreign Relations AGENCY FOR INTERNATIONAL DEVELOPMENT REPUBLIC OF TUNISIA... APPROPRIATIONS ACT, 2012, DIV. I, PUB. L. 112-74-STANDARD TERMS AND CONDITIONS § 232.08 Event of Default...

  1. 22 CFR 232.08 - Event of Default; Application for Compensation; payment.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 22 Foreign Relations 1 2014-04-01 2014-04-01 false Event of Default; Application for Compensation; payment. 232.08 Section 232.08 Foreign Relations AGENCY FOR INTERNATIONAL DEVELOPMENT REPUBLIC OF TUNISIA... APPROPRIATIONS ACT, 2012, DIV. I, PUB. L. 112-74-STANDARD TERMS AND CONDITIONS § 232.08 Event of Default...

  2. 7 CFR 1493.500 - Notice of default and claims for loss.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... CORPORATION, DEPARTMENT OF AGRICULTURE EXPORT PROGRAMS CCC EXPORT CREDIT GUARANTEE PROGRAMS CCC Supplier... exporter or the exporter's assignee must submit a notice of default to CCC as soon as possible, but not... notice of default must be submitted in writing to the Treasurer, CCC, at the address specified in the...

  3. 7 CFR 1493.500 - Notice of default and claims for loss.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... CORPORATION, DEPARTMENT OF AGRICULTURE EXPORT PROGRAMS CCC EXPORT CREDIT GUARANTEE PROGRAMS CCC Supplier... exporter or the exporter's assignee must submit a notice of default to CCC as soon as possible, but not... notice of default must be submitted in writing to the Treasurer, CCC, at the address specified in the...

  4. 7 CFR 1493.500 - Notice of default and claims for loss.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... CORPORATION, DEPARTMENT OF AGRICULTURE EXPORT PROGRAMS CCC EXPORT CREDIT GUARANTEE PROGRAMS CCC Supplier... exporter or the exporter's assignee must submit a notice of default to CCC as soon as possible, but not... notice of default must be submitted in writing to the Treasurer, CCC, at the address specified in the...

  5. 7 CFR 1493.300 - Notice of default and claims for loss.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... CORPORATION, DEPARTMENT OF AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS CCC EXPORT CREDIT GUARANTEE PROGRAMS CCC Facility Guarantee Program (FGP) Operations § 1493.300 Notice of default and claims for loss... exporter's assignee must submit a notice of default to CCC as soon as possible, but not later than ten days...

  6. 7 CFR 1493.300 - Notice of default and claims for loss.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... CORPORATION, DEPARTMENT OF AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS CCC EXPORT CREDIT GUARANTEE PROGRAMS CCC Facility Guarantee Program (FGP) Operations § 1493.300 Notice of default and claims for loss... exporter's assignee must submit a notice of default to CCC as soon as possible, but not later than ten days...

  7. Altered Functional Connectivity of the Default Mode Network in Low-Empathy Subjects

    PubMed Central

    Kim, Seung Jun; Kim, Sung-Eun; Kim, Hyo Eun; Han, Kiwan; Jeong, Bumseok; Kim, Jae-Jin; Namkoong, Kee

    2017-01-01

    Empathy is the ability to identify with or make a vicariously experience of another person's feelings or thoughts based on memory and/or self-referential mental simulation. The default mode network in particular is related to self-referential empathy. In order to elucidate the possible neural mechanisms underlying empathy, we investigated the functional connectivity of the default mode network in subjects from a general population. Resting state functional magnetic resonance imaging data were acquired from 19 low-empathy subjects and 18 medium-empathy subjects. An independent component analysis was used to identify the default mode network, and differences in functional connectivity strength were compared between the two groups. The low-empathy group showed lower functional connectivity of the medial prefrontal cortex and anterior cingulate cortex (Brodmann areas 9 and 32) within the default mode network, compared to the medium-empathy group. The results of the present study suggest that empathy is related to functional connectivity of the medial prefrontal cortex/anterior cingulate cortex within the default mode network. Functional decreases in connectivity among low-empathy subjects may reflect an impairment of self-referential mental simulation. PMID:28792155

  8. Altered Functional Connectivity of the Default Mode Network in Low-Empathy Subjects.

    PubMed

    Kim, Seung Jun; Kim, Sung Eun; Kim, Hyo Eun; Han, Kiwan; Jeong, Bumseok; Kim, Jae Jin; Namkoong, Kee; Kim, Ji Woong

    2017-09-01

    Empathy is the ability to identify with or make a vicariously experience of another person's feelings or thoughts based on memory and/or self-referential mental simulation. The default mode network in particular is related to self-referential empathy. In order to elucidate the possible neural mechanisms underlying empathy, we investigated the functional connectivity of the default mode network in subjects from a general population. Resting state functional magnetic resonance imaging data were acquired from 19 low-empathy subjects and 18 medium-empathy subjects. An independent component analysis was used to identify the default mode network, and differences in functional connectivity strength were compared between the two groups. The low-empathy group showed lower functional connectivity of the medial prefrontal cortex and anterior cingulate cortex (Brodmann areas 9 and 32) within the default mode network, compared to the medium-empathy group. The results of the present study suggest that empathy is related to functional connectivity of the medial prefrontal cortex/anterior cingulate cortex within the default mode network. Functional decreases in connectivity among low-empathy subjects may reflect an impairment of self-referential mental simulation. © Copyright: Yonsei University College of Medicine 2017.

  9. Factors associated with tuberculosis treatment default among HIV-infected tuberculosis patients in Thailand.

    PubMed

    Kittikraisak, Wanitchaya; Burapat, Channawong; Kaewsa-ard, Samroui; Watthanaamornkiet, Wanpen; Sirinak, Chawin; Sattayawuthipong, Wanchai; Jittimanee, Suksont; Pobkeeree, Vallerut; Varma, Jay K

    2009-01-01

    Ensuring completion of tuberculosis (TB) treatment remains a major public health problem. In HIV-infected patients, TB is the most common severe opportunistic infection. Few studies have evaluated risk factors for TB treatment default in HIV-infected patients. We conducted a prospective, observational study of HIV-infected TB patients in Thailand. Patients underwent standardised evaluations at the beginning of TB treatment, at the end of the intensive phase and at the end of TB treatment. TB treatment outcomes were assessed according to WHO guidelines. The analysis was limited to patients who defaulted or who had treatment success. Of the 554 patients analysed, 61 (11%) defaulted. In multivariate analysis, factors associated with TB treatment default included incarceration history [adjusted odds ratio (AOR) 2.0, 95% CI 1.1-3.7), smoking (AOR 2.3, 95% CI 1.3-4.1) and having a symptom complaint score >15 (AOR 3.4, 95% CI 1.4-8.0); one marker of wealth, namely owning a refrigerator, was protective (AOR 0.4, 95% CI 0.2-0.8). Default during TB treatment was a significant problem in HIV-infected patients. Reducing default may require enhancing services for patients with a history of incarceration or smoking and designing patient-centred systems to address poverty and patient wellness.

  10. Effects of pay-for-performance system on tuberculosis default cases control and treatment in Taiwan.

    PubMed

    Tsai, Wen-Chen; Kung, Pei-Tseng; Khan, Mahmud; Campbell, Claudia; Yang, Wen-Ta; Lee, Tsuey-Fong; Li, Ya-Hsin

    2010-09-01

    In order to make tuberculosis (TB) treatment more effective and to lower the default rate of the disease, the Bureau of National Health Insurance (BNHI) in Taiwan implemented the "pay-for-performance on Tuberculosis" program (P4P on TB) in 2004. The purpose of this study is to investigate the effectiveness of the P4P system in terms of default rate. This is a retrospective study. National Health Insurance Research Datasets in Taiwan from 2002 to 2005 has been used for the study. The study compared the differences of TB default rate before and after the implementation of P4P program, between participating and non-participating hospitals, and between P4P hospitals with and without case managers. Furthermore, logistic regression analysis was conducted to explore the related factors influencing TB patients default treatment after TB detected. The treatment default rate after "P4P on TB" was 11.37% compared with the 15.56% before "P4P on TB" implementation. The treatment default rate in P4P hospitals was 10.67% compared to 12.7% in non-P4P hospitals. In addition, the default rate was 10.4% in hospitals with case managers compared with 12.68% in hospitals without case managers. The results of the study showed that "P4P on TB" program improved the treatment default rate for TB patients. In addition, case managers improved the treatment outcome in controlling patients' default rate. Copyright 2010 The British Infection Society. Published by Elsevier Ltd. All rights reserved.

  11. Correlates of default from anti-tuberculosis treatment: a case study using Kenya's electronic data system.

    PubMed

    Sitienei, J; Kipruto, H; Mansour, O; Ndisha, M; Hanson, C; Wambu, R; Addona, V

    2015-09-01

    In 2012, the World Health Organization estimated that there were 120,000 new cases and 9500 deaths due to tuberculosis (TB) in Kenya. Almost a quarter of the cases were not detected, and the treatment of 4% of notified cases ended in default. To identify the determinants of anti-tuberculosis treatment default. Data from 2012 and 2013 were retrieved from a national case-based electronic data recording system. A comparison was made between new pulmonary TB patients for whom treatment was interrupted vs. those who successfully completed treatment. A total of 106,824 cases were assessed. Human immunodeficiency virus infection was the single most influential risk factor for default (aOR 2.7). More than 94% of patients received family-based directly observed treatment (DOT) and were more likely to default than patients who received DOT from health care workers (aOR 2.0). Caloric nutritional support was associated with lower default rates (aOR 0.89). Males were more likely to default than females (aOR 1.6). Patients cared for in the private sector were less likely to default than those in the public sector (aOR 0.86). Understanding the factors contributing to default can guide future program improvements and serve as a proxy to understanding the factors that constrain access to care among undetected cases.

  12. 45 CFR 79.10 - Default upon failure to file an answer.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 45 Public Welfare 1 2010-10-01 2010-10-01 false Default upon failure to file an answer. 79.10 Section 79.10 Public Welfare DEPARTMENT OF HEALTH AND HUMAN SERVICES GENERAL ADMINISTRATION PROGRAM FRAUD CIVIL REMEDIES § 79.10 Default upon failure to file an answer. (a) If the defendant does not file an...

  13. 10 CFR 1013.10 - Default upon failure to file an answer.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 10 Energy 4 2012-01-01 2012-01-01 false Default upon failure to file an answer. 1013.10 Section 1013.10 Energy DEPARTMENT OF ENERGY (GENERAL PROVISIONS) PROGRAM FRAUD CIVIL REMEDIES AND PROCEDURES § 1013.10 Default upon failure to file an answer. (a) If the defendant does not file an answer within the...

  14. 10 CFR 1013.10 - Default upon failure to file an answer.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 10 Energy 4 2011-01-01 2011-01-01 false Default upon failure to file an answer. 1013.10 Section 1013.10 Energy DEPARTMENT OF ENERGY (GENERAL PROVISIONS) PROGRAM FRAUD CIVIL REMEDIES AND PROCEDURES § 1013.10 Default upon failure to file an answer. (a) If the defendant does not file an answer within the...

  15. Diffusion of Defaults Among Financial Institutions

    NASA Astrophysics Data System (ADS)

    Demange, Gabrielle

    The paper proposes a simple unified model for the diffusion of defaults across financial institutions and presents some measures for evaluating the risk imposed by a bank on the system. So far the standard contagion processes might not incorporate some important features of financial contagion.

  16. 40 CFR 305.24 - Default order.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 40 Protection of Environment 28 2011-07-01 2011-07-01 false Default order. 305.24 Section 305.24 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) SUPERFUND, EMERGENCY PLANNING, AND... (CERCLA) ADMINISTRATIVE HEARING PROCEDURES FOR CLAIMS AGAINST THE SUPERFUND Prehearing Procedures § 305.24...

  17. 40 CFR 305.24 - Default order.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... 40 Protection of Environment 29 2012-07-01 2012-07-01 false Default order. 305.24 Section 305.24 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) SUPERFUND, EMERGENCY PLANNING, AND... (CERCLA) ADMINISTRATIVE HEARING PROCEDURES FOR CLAIMS AGAINST THE SUPERFUND Prehearing Procedures § 305.24...

  18. 40 CFR 305.24 - Default order.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 40 Protection of Environment 29 2013-07-01 2013-07-01 false Default order. 305.24 Section 305.24 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) SUPERFUND, EMERGENCY PLANNING, AND... (CERCLA) ADMINISTRATIVE HEARING PROCEDURES FOR CLAIMS AGAINST THE SUPERFUND Prehearing Procedures § 305.24...

  19. 24 CFR 891.730 - Default by Borrower.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... payment and recovery of overpayments, as appropriate; and (2) That if the Borrower fails to cure the.... Additional provisions governing default under the Section 202 loan are included in the regulatory agreement...

  20. Why do Patients in Pre-Anti Retroviral Therapy (ART) Care Default: A Cross-Sectional Study.

    PubMed

    Chakravarty, Jaya; Kansal, Sangeeta; Tiwary, Narendra; Sundar, Shyam

    2016-01-01

    Approximately, 40% of the patients registered in the National AIDS Control Program in India are not on antiretroviral therapy (ART), i.e., are in pre-ART care. However, there are scarce data regarding the retention of pre-ART patients under routine program conditions. The main objective of this study was to find out the reasons for default among patients in pre-ART care. Patients enrolled in the ART Centre, Banaras Hindu University (BHU) between January and December 2009 and in pre-ART care were included in the study. Defaulters were those pre-ART patients who missed their last appointment of CD4 count by more than 1 month. Defaulters were traced telephonically in 2011 and those who returned and gave their consent for the study were interviewed using a semi-structured questionnaire. Out of 620 patients in pre-ART care, 384 (68.2%) were defaulters. One hundred forty-four of the defaulters were traced and only 83 reached the ART center for interview. Among defaulters who did not reach the ART center, illiterate and unmarried were significantly more and mean duration from registration to default was also significantly less as compared to those who came back for the interview. Most defaulters gave more than one reason for defaulting that were as follows: Inconvenient clinic timings (98%), need for multiple mode of transport (92%), perceived improved health (65%), distance of center from home (61%), lack of social support (62%), and financial difficulty (59%). Active tracing of pre-ART patients through outreach and strengthening of the Link ART centers will improve the retention of patients in the program.

  1. 10 CFR 13.10 - Default upon failure to file an answer.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 10 Energy 1 2014-01-01 2014-01-01 false Default upon failure to file an answer. 13.10 Section 13.10 Energy NUCLEAR REGULATORY COMMISSION PROGRAM FRAUD CIVIL REMEDIES § 13.10 Default upon failure to file an answer. (a) If the defendant does not file an answer within the time prescribed in § 13.9(a...

  2. 10 CFR 13.10 - Default upon failure to file an answer.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 10 Energy 1 2010-01-01 2010-01-01 false Default upon failure to file an answer. 13.10 Section 13.10 Energy NUCLEAR REGULATORY COMMISSION PROGRAM FRAUD CIVIL REMEDIES § 13.10 Default upon failure to file an answer. (a) If the defendant does not file an answer within the time prescribed in § 13.9(a...

  3. 10 CFR 13.10 - Default upon failure to file an answer.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 10 Energy 1 2013-01-01 2013-01-01 false Default upon failure to file an answer. 13.10 Section 13.10 Energy NUCLEAR REGULATORY COMMISSION PROGRAM FRAUD CIVIL REMEDIES § 13.10 Default upon failure to file an answer. (a) If the defendant does not file an answer within the time prescribed in § 13.9(a...

  4. 48 CFR 49.503 - Termination for convenience of the Government and default.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 48 Federal Acquisition Regulations System 1 2010-10-01 2010-10-01 false Termination for convenience of the Government and default. 49.503 Section 49.503 Federal Acquisition Regulations System... 49.503 Termination for convenience of the Government and default. (a) Cost-reimbursement contracts—(1...

  5. 34 CFR Appendix A to Subpart N of... - Sample Default Prevention Plan

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... relevant default prevention statistics, including a statistical analysis of the borrowers who default on...'s delinquency status by obtaining reports from data managers and FFEL Program lenders. 5. Enhance... academic study. III. Statistics for Measuring Progress 1. The number of students enrolled at your...

  6. Step size of the rotary proton motor in single FoF1-ATP synthase from a thermoalkaliphilic bacterium by DCO-ALEX FRET

    NASA Astrophysics Data System (ADS)

    Hammann, Eva; Zappe, Andrea; Keis, Stefanie; Ernst, Stefan; Matthies, Doreen; Meier, Thomas; Cook, Gregory M.; Börsch, Michael

    2012-02-01

    Thermophilic enzymes operate at high temperatures but show reduced activities at room temperature. They are in general more stable during preparation and, accordingly, are considered to be more rigid in structure. Crystallization is often easier compared to proteins from bacteria growing at ambient temperatures, especially for membrane proteins. The ATP-producing enzyme FoF1-ATP synthase from thermoalkaliphilic Caldalkalibacillus thermarum strain TA2.A1 is driven by a Fo motor consisting of a ring of 13 c-subunits. We applied a single-molecule Förster resonance energy transfer (FRET) approach using duty cycle-optimized alternating laser excitation (DCO-ALEX) to monitor the expected 13-stepped rotary Fo motor at work. New FRET transition histograms were developed to identify the smaller step sizes compared to the 10-stepped Fo motor of the Escherichia coli enzyme. Dwell time analysis revealed the temperature and the LDAO dependence of the Fo motor activity on the single molecule level. Back-and-forth stepping of the Fo motor occurs fast indicating a high flexibility in the membrane part of this thermophilic enzyme.

  7. 24 CFR 902.79 - Substantial default.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 24 Housing and Urban Development 4 2010-04-01 2010-04-01 false Substantial default. 902.79 Section 902.79 Housing and Urban Development Regulations Relating to Housing and Urban Development (Continued) OFFICE OF ASSISTANT SECRETARY FOR PUBLIC AND INDIAN HOUSING, DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT...

  8. Risk factors and timing of default from treatment for non-multidrug-resistant tuberculosis in Moldova.

    PubMed

    Jenkins, H E; Ciobanu, A; Plesca, V; Crudu, V; Galusca, I; Soltan, V; Cohen, T

    2013-03-01

    The Republic of Moldova, in Eastern Europe, has among the highest reported nationwide proportions of tuberculosis (TB) patients with multidrug-resistant tuberculosis (MDR-TB) worldwide. Default has been associated with increased mortality and amplification of drug resistance, and may contribute to the high MDR-TB rates in Moldova. To assess risk factors and timing of default from treatment for non-MDR-TB from 2007 to 2010. A retrospective analysis of routine surveillance data on all non-MDR-TB patients reported. A total of 14.7% of non-MDR-TB patients defaulted from treatment during the study period. Independent risk factors for default included sociodemographic factors, such as homelessness, living alone, less formal education and spending substantial time outside Moldova in the year prior to diagnosis; and health-related factors such as human immunodeficiency virus co-infection, greater lung pathology and increasing TB drug resistance. Anti-tuberculosis treatment is usually initiated within an institutional setting in Moldova, and the default risk was highest in the month following the phase of hospitalized treatment (among civilians) and after leaving prison (among those diagnosed while incarcerated). Targeted interventions to increase treatment adherence for patients at highest risk of default, and improving the continuity of care for patients transitioning from institutional to community care may substantially reduce risk of default.

  9. Risk factors and timing of default from treatment for non-multidrug-resistant tuberculosis in Moldova

    PubMed Central

    Jenkins, Helen E.; Ciobanu, Anisoara; Plesca, Valeriu; Crudu, Valeriu; Galusca, Irina; Soltan, Viorel; Cohen, Ted

    2013-01-01

    SUMMARY Setting The Republic of Moldova, Eastern Europe, 2007–2010. Moldova has among the highest reported nationwide proportions of TB patients with multidrug-resistant tuberculosis (MDR-TB) worldwide. Objective To assess risk factors and timing of default from treatment for non-MDR-TB. Default has been associated with increased mortality and amplification of drug resistance and may contribute to the high MDR-TB rates in Moldova. Design A retrospective analysis of routine surveillance data on all non-MDR-TB patients reported. Results 14.7% of non-MDR-TB patients defaulted from treatment during the study period. Independent risk factors for default included sociodemographic factors (i.e. homelessness, living alone, less formal education and spending substantial time outside Moldova in the year prior to diagnosis) and health-related factors (i.e. HIV-coinfection, greater lung pathology, and increasing TB drug resistance). TB treatment is usually initiated within an institutional setting in Moldova and the default risk was highest in the month following the hospitalized treatment phase (among civilians) and after leaving prison (among those diagnosed while incarcerated). Conclusions Targeted interventions to increase treatment adherence for patients at highest risk of default and improving the continuity of care for patients transitioning from institutional to community care may substantially reduce the default risk. PMID:23407226

  10. Selected Amendments Enacted Since 1980 To Control Guaranteed Student Loan Defaults. CRS Report for Congress.

    ERIC Educational Resources Information Center

    Fraas, Charlotte J.

    Congress, over the past decade, has enacted a number of laws with provisions aimed at preventing defaults and improving collections on defaulted student loans. This report presents a synopsis of legislative provisions enacted to combat student loan defaults beginning with the Education Amendments of 1980. The laws included in the report are:…

  11. 22 CFR 93.2 - Notice of suit (or of default judgment).

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 22 Foreign Relations 1 2013-04-01 2013-04-01 false Notice of suit (or of default judgment). 93.2... § 93.2 Notice of suit (or of default judgment). (a) A Notice of Suit prescribed in section 1608(a) of title 28, United States Code, shall be prepared in the form that appears in the Annex to this section...

  12. 22 CFR 93.2 - Notice of suit (or of default judgment).

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 22 Foreign Relations 1 2011-04-01 2011-04-01 false Notice of suit (or of default judgment). 93.2... § 93.2 Notice of suit (or of default judgment). (a) A Notice of Suit prescribed in section 1608(a) of title 28, United States Code, shall be prepared in the form that appears in the Annex to this section...

  13. 22 CFR 93.2 - Notice of suit (or of default judgment).

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 22 Foreign Relations 1 2014-04-01 2014-04-01 false Notice of suit (or of default judgment). 93.2... § 93.2 Notice of suit (or of default judgment). (a) A Notice of Suit prescribed in section 1608(a) of title 28, United States Code, shall be prepared in the form that appears in the Annex to this section...

  14. 22 CFR 93.2 - Notice of suit (or of default judgment).

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 22 Foreign Relations 1 2010-04-01 2010-04-01 false Notice of suit (or of default judgment). 93.2... § 93.2 Notice of suit (or of default judgment). (a) A Notice of Suit prescribed in section 1608(a) of title 28, United States Code, shall be prepared in the form that appears in the Annex to this section...

  15. 22 CFR 93.2 - Notice of suit (or of default judgment).

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 22 Foreign Relations 1 2012-04-01 2012-04-01 false Notice of suit (or of default judgment). 93.2... § 93.2 Notice of suit (or of default judgment). (a) A Notice of Suit prescribed in section 1608(a) of title 28, United States Code, shall be prepared in the form that appears in the Annex to this section...

  16. 24 CFR 266.626 - Notice of default and filing an insurance claim.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Notice of default and filing an... AND OTHER AUTHORITIES HOUSING FINANCE AGENCY RISK-SHARING PROGRAM FOR INSURED AFFORDABLE MULTIFAMILY PROJECT LOANS Contract Rights and Obligations Claim Procedures § 266.626 Notice of default and filing an...

  17. Risk factors associated with default from multi- and extensively drug-resistant tuberculosis treatment, Uzbekistan: a retrospective cohort analysis.

    PubMed

    Lalor, Maeve K; Greig, Jane; Allamuratova, Sholpan; Althomsons, Sandy; Tigay, Zinaida; Khaemraev, Atadjan; Braker, Kai; Telnov, Oleksander; du Cros, Philipp

    2013-01-01

    The Médecins Sans Frontières project of Uzbekistan has provided multidrug-resistant tuberculosis treatment in the Karakalpakstan region since 2003. Rates of default from treatment have been high, despite psychosocial support, increasing particularly since programme scale-up in 2007. We aimed to determine factors associated with default in multi- and extensively drug-resistant tuberculosis patients who started treatment between 2003 and 2008 and thus had finished approximately 2 years of treatment by the end of 2010. A retrospective cohort analysis of multi- and extensively drug-resistant tuberculosis patients enrolled in treatment between 2003 and 2008 compared baseline demographic characteristics and possible risk factors for default. Default was defined as missing ≥60 consecutive days of treatment (all drugs). Data were routinely collected during treatment and entered in a database. Potential risk factors for default were assessed in univariate analysis using chi-square test and in multivariate analysis with logistic regression. 20% (142/710) of patients defaulted after a median of 6 months treatment (IQR 2.6-9.9). Factors associated with default included severity of resistance patterns (pre-extensively drug-resistant/extensively drug-resistant tuberculosis adjusted odds ratio 0.52, 95%CI: 0.31-0.86), previous default (2.38, 1.09-5.24) and age >45 years (1.77, 1.10-2.87). The default rate was 14% (42/294) for patients enrolled 2003-2006 and 24% (100/416) for 2007-2008 enrolments (p = 0.001). Default from treatment was high and increased with programme scale-up. It is essential to ensure scale-up of treatment is accompanied with scale-up of staff and patient support. A successful first course of tuberculosis treatment is important; patients who had previously defaulted were at increased risk of default and death. The protective effect of severe resistance profiles suggests that understanding disease severity or fear may motivate against default. Targeted

  18. Reasons for defaulting from drug-resistant tuberculosis treatment in Armenia: a quantitative and qualitative study.

    PubMed

    Sanchez-Padilla, E; Marquer, C; Kalon, S; Qayyum, S; Hayrapetyan, A; Varaine, F; Bastard, M; Bonnet, M

    2014-02-01

    Armenia, a country with a high prevalence of drug-resistant tuberculosis (DR-TB). To identify factors related to default from DR-TB treatment in Yerevan. Using a retrospective cohort design, we compared defaulters with patients who were cured, completed or failed treatment. Patients who initiated DR-TB treatment from 2005 to 2011 were included in the study. A qualitative survey was conducted including semi-structured interviews with defaulters and focus group discussions with care providers. Of 381 patients, 193 had achieved treatment success, 24 had died, 51 had failed treatment and 97 had defaulted. The number of drugs to which the patient was resistant at admission (aRR 1.16, 95%CI 1.05-1.27), the rate of treatment interruption based on patient's decision (aRR 1.03, 95%CI 1.02-1.05), the rate of side effects (aRR 1.18, 95%CI 1.09-1.27), and absence of culture conversion during the intensive phase (aRR 0.47, 95%CI 0.31-0.71) were independently associated with default from treatment. In the qualitative study, poor treatment tolerance, a perception that treatment was inefficient, lack of information, incorrect perception of being cured, working factors and behavioural problems were factors related to treatment default. In addition to economic reasons, poor tolerance of and poor response to treatment were the main factors associated with treatment default.

  19. 47 CFR 51.707 - Default proxies for incumbent LECs' transport and termination rates.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 47 Telecommunication 3 2011-10-01 2011-10-01 false Default proxies for incumbent LECs' transport... (CONTINUED) COMMON CARRIER SERVICES (CONTINUED) INTERCONNECTION Reciprocal Compensation for Transport and Termination of Telecommunications Traffic § 51.707 Default proxies for incumbent LECs' transport and...

  20. 47 CFR 51.707 - Default proxies for incumbent LECs' transport and termination rates.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 47 Telecommunication 3 2010-10-01 2010-10-01 false Default proxies for incumbent LECs' transport... (CONTINUED) COMMON CARRIER SERVICES (CONTINUED) INTERCONNECTION Reciprocal Compensation for Transport and Termination of Telecommunications Traffic § 51.707 Default proxies for incumbent LECs' transport and...

  1. Recommendations for Reducing the Default Rate in the Guaranteed Student Loan Program.

    ERIC Educational Resources Information Center

    Meznek, James; Wilson, Al

    A series of recommendations is presented for reducing default rates in the Guaranteed Student Loan (GSL) program. First, a summary is provided of trends toward the increasing dependence of students on loans to finance their college education and the large and growing default rate among borrowers. Next, four issues are discussed: Should lenders…

  2. Redundant mechanisms are involved in suppression of default cell fates during embryonic mesenchyme and notochord induction in ascidians.

    PubMed

    Kodama, Hitoshi; Miyata, Yoshimasa; Kuwajima, Mami; Izuchi, Ryoichi; Kobayashi, Ayumi; Gyoja, Fuki; Onuma, Takeshi A; Kumano, Gaku; Nishida, Hiroki

    2016-08-01

    During embryonic induction, the responding cells invoke an induced developmental program, whereas in the absence of an inducing signal, they assume a default uninduced cell fate. Suppression of the default fate during the inductive event is crucial for choice of the binary cell fate. In contrast to the mechanisms that promote an induced cell fate, those that suppress the default fate have been overlooked. Upon induction, intracellular signal transduction results in activation of genes encoding key transcription factors for induced tissue differentiation. It is elusive whether an induced key transcription factor has dual functions involving suppression of the default fates and promotion of the induced fate, or whether suppression of the default fate is independently regulated by other factors that are also downstream of the signaling cascade. We show that during ascidian embryonic induction, default fates were suppressed by multifold redundant mechanisms. The key transcription factor, Twist-related.a, which is required for mesenchyme differentiation, and another independent transcription factor, Lhx3, which is dispensable for mesenchyme differentiation, sequentially and redundantly suppress the default muscle fate in induced mesenchyme cells. Similarly in notochord induction, Brachyury, which is required for notochord differentiation, and other factors, Lhx3 and Mnx, are likely to suppress the default nerve cord fate redundantly. Lhx3 commonly suppresses the default fates in two kinds of induction. Mis-activation of the autonomously executed default program in induced cells is detrimental to choice of the binary cell fate. Multifold redundant mechanisms would be required for suppression of the default fate to be secure. Copyright © 2016 Elsevier Inc. All rights reserved.

  3. The Influence of Students' Loans Borrowers' Characteristics on Default Rate in Tanzania

    ERIC Educational Resources Information Center

    Nyahende, Veronica R.

    2013-01-01

    The cost of students' loans defaulting has lead to a serious discussion among participants. Substantial attention has been made on the students' loans and its impact on higher education finances while researches on students' loans defaults have not been taken for more than a decade. Therefore this study examines the influence of student loans…

  4. 22 CFR 204.22 - Right of A.I.D. to cure default.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 22 Foreign Relations 1 2011-04-01 2011-04-01 false Right of A.I.D. to cure default. 204.22 Section 204.22 Foreign Relations AGENCY FOR INTERNATIONAL DEVELOPMENT HOUSING GUARANTY STANDARD TERMS AND CONDITIONS Procedure for Obtaining Compensation § 204.22 Right of A.I.D. to cure default. Within sixty (60...

  5. 22 CFR 204.22 - Right of A.I.D. to cure default.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 22 Foreign Relations 1 2010-04-01 2010-04-01 false Right of A.I.D. to cure default. 204.22 Section 204.22 Foreign Relations AGENCY FOR INTERNATIONAL DEVELOPMENT HOUSING GUARANTY STANDARD TERMS AND CONDITIONS Procedure for Obtaining Compensation § 204.22 Right of A.I.D. to cure default. Within sixty (60...

  6. 22 CFR 204.22 - Right of A.I.D. to cure default.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 22 Foreign Relations 1 2014-04-01 2014-04-01 false Right of A.I.D. to cure default. 204.22 Section 204.22 Foreign Relations AGENCY FOR INTERNATIONAL DEVELOPMENT HOUSING GUARANTY STANDARD TERMS AND CONDITIONS Procedure for Obtaining Compensation § 204.22 Right of A.I.D. to cure default. Within sixty (60...

  7. 22 CFR 204.22 - Right of A.I.D. to cure default.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 22 Foreign Relations 1 2013-04-01 2013-04-01 false Right of A.I.D. to cure default. 204.22 Section 204.22 Foreign Relations AGENCY FOR INTERNATIONAL DEVELOPMENT HOUSING GUARANTY STANDARD TERMS AND CONDITIONS Procedure for Obtaining Compensation § 204.22 Right of A.I.D. to cure default. Within sixty (60...

  8. 22 CFR 204.22 - Right of A.I.D. to cure default.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 22 Foreign Relations 1 2012-04-01 2012-04-01 false Right of A.I.D. to cure default. 204.22 Section 204.22 Foreign Relations AGENCY FOR INTERNATIONAL DEVELOPMENT HOUSING GUARANTY STANDARD TERMS AND CONDITIONS Procedure for Obtaining Compensation § 204.22 Right of A.I.D. to cure default. Within sixty (60...

  9. A stochastic maximum principle for backward control systems with random default time

    NASA Astrophysics Data System (ADS)

    Shen, Yang; Kuen Siu, Tak

    2013-05-01

    This paper establishes a necessary and sufficient stochastic maximum principle for backward systems, where the state processes are governed by jump-diffusion backward stochastic differential equations with random default time. An application of the sufficient stochastic maximum principle to an optimal investment and capital injection problem in the presence of default risk is discussed.

  10. Risk Factors Associated with Default from Multi- and Extensively Drug-Resistant Tuberculosis Treatment, Uzbekistan: A Retrospective Cohort Analysis

    PubMed Central

    Lalor, Maeve K.; Greig, Jane; Allamuratova, Sholpan; Althomsons, Sandy; Tigay, Zinaida; Khaemraev, Atadjan; Braker, Kai; Telnov, Oleksander; du Cros, Philipp

    2013-01-01

    Background The Médecins Sans Frontières project of Uzbekistan has provided multidrug-resistant tuberculosis treatment in the Karakalpakstan region since 2003. Rates of default from treatment have been high, despite psychosocial support, increasing particularly since programme scale-up in 2007. We aimed to determine factors associated with default in multi- and extensively drug-resistant tuberculosis patients who started treatment between 2003 and 2008 and thus had finished approximately 2 years of treatment by the end of 2010. Methods A retrospective cohort analysis of multi- and extensively drug-resistant tuberculosis patients enrolled in treatment between 2003 and 2008 compared baseline demographic characteristics and possible risk factors for default. Default was defined as missing ≥60 consecutive days of treatment (all drugs). Data were routinely collected during treatment and entered in a database. Potential risk factors for default were assessed in univariate analysis using chi-square test and in multivariate analysis with logistic regression. Results 20% (142/710) of patients defaulted after a median of 6 months treatment (IQR 2.6–9.9). Factors associated with default included severity of resistance patterns (pre-extensively drug-resistant/extensively drug-resistant tuberculosis adjusted odds ratio 0.52, 95%CI: 0.31–0.86), previous default (2.38, 1.09–5.24) and age >45 years (1.77, 1.10–2.87). The default rate was 14% (42/294) for patients enrolled 2003–2006 and 24% (100/416) for 2007–2008 enrolments (p = 0.001). Conclusions Default from treatment was high and increased with programme scale-up. It is essential to ensure scale-up of treatment is accompanied with scale-up of staff and patient support. A successful first course of tuberculosis treatment is important; patients who had previously defaulted were at increased risk of default and death. The protective effect of severe resistance profiles suggests that understanding disease

  11. Salience and Default Mode Network Coupling Predicts Cognition in Aging and Parkinson's Disease.

    PubMed

    Putcha, Deepti; Ross, Robert S; Cronin-Golomb, Alice; Janes, Amy C; Stern, Chantal E

    2016-02-01

    Cognitive impairment is common in Parkinson's disease (PD). Three neurocognitive networks support efficient cognition: the salience network, the default mode network, and the central executive network. The salience network is thought to switch between activating and deactivating the default mode and central executive networks. Anti-correlated interactions between the salience and default mode networks in particular are necessary for efficient cognition. Our previous work demonstrated altered functional coupling between the neurocognitive networks in non-demented individuals with PD compared to age-matched control participants. Here, we aim to identify associations between cognition and functional coupling between these neurocognitive networks in the same group of participants. We investigated the extent to which intrinsic functional coupling among these neurocognitive networks is related to cognitive performance across three neuropsychological domains: executive functioning, psychomotor speed, and verbal memory. Twenty-four non-demented individuals with mild to moderate PD and 20 control participants were scanned at rest and evaluated on three neuropsychological domains. PD participants were impaired on tests from all three domains compared to control participants. Our imaging results demonstrated that successful cognition across healthy aging and Parkinson's disease participants was related to anti-correlated coupling between the salience and default mode networks. Individuals with poorer performance scores across groups demonstrated more positive salience network/default-mode network coupling. Successful cognition relies on healthy coupling between the salience and default mode networks, which may become dysfunctional in PD. These results can help inform non-pharmacological interventions (repetitive transcranial magnetic stimulation) targeting these specific networks before they become vulnerable in early stages of Parkinson's disease.

  12. Default network activation during episodic and semantic memory retrieval: A selective meta-analytic comparison.

    PubMed

    Kim, Hongkeun

    2016-01-08

    It remains unclear whether and to what extent the default network subregions involved in episodic memory (EM) and semantic memory (SM) processes overlap or are separated from one another. This study addresses this issue through a controlled meta-analysis of functional neuroimaging studies involving healthy participants. Various EM and SM task paradigms differ widely in the extent of default network involvement. Therefore, the issue at hand cannot be properly addressed without some control for this factor. In this regard, this study employs a two-stage analysis: a preliminary meta-analysis to select EM and SM task paradigms that recruit relatively extensive default network regions and a main analysis to compare the selected task paradigms. Based on a within-EM comparison, the default network contributed more to recollection/familiarity effects than to old/new effects, and based on a within-SM comparison, it contributed more to word/pseudoword effects than to semantic/phonological effects. According to a direct comparison of recollection/familiarity and word/pseudoword effects, each involving a range of default network regions, there were more overlaps than separations in default network subregions involved in these two effects. More specifically, overlaps included the bilateral posterior cingulate/retrosplenial cortex, left inferior parietal lobule, and left anteromedial prefrontal regions, whereas separations included only the hippocampal formation and the parahippocampal cortex region, which was unique to recollection/familiarity effects. These results indicate that EM and SM retrieval processes involving strong memory signals recruit extensive and largely overlapping default network regions and differ mainly in distinct contributions of hippocampus and parahippocampal regions to EM retrieval. Copyright © 2015 Elsevier Ltd. All rights reserved.

  13. Overcoming default categorical bias in spatial memory.

    PubMed

    Sampaio, Cristina; Wang, Ranxiao Frances

    2010-12-01

    In the present study, we investigated whether a strong default categorical bias can be overcome in spatial memory by using alternative membership information. In three experiments, we tested location memory in a circular space while providing participants with an alternative categorization. We found that visual presentation of the boundaries of the alternative categories (Experiment 1) did not induce the use of the alternative categories in estimation. In contrast, visual cuing of the alternative category membership of a target (Experiment 2) and unique target feature information associated with each alternative category (Experiment 3) successfully led to the use of the alternative categories in estimation. Taken together, the results indicate that default categorical bias in spatial memory can be overcome when appropriate cues are provided. We discuss how these findings expand the category adjustment model (Huttenlocher, Hedges, & Duncan, 1991) in spatial memory by proposing a retrieval-based category adjustment (RCA) model.

  14. Two Studies Assessing the Effectiveness of Early Intervention on the Default Behavior of Student Loan Borrowers

    ERIC Educational Resources Information Center

    Seifert, Charles F.; Wordern, Lorenz

    2004-01-01

    The cost of student loan defaults is a growing problem. At the beginning of this century, defaulted student loans exceed $25 billion (Student Aid News, 2001). In addition to the costs borne by the taxpayer as the federal government purchases defaulted accounts, there are costs incurred by schools, lenders, loan servicers, and guaranty agencies for…

  15. 48 CFR 970.4905-1 - Termination for convenience of the government and default.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 48 Federal Acquisition Regulations System 5 2010-10-01 2010-10-01 false Termination for convenience of the government and default. 970.4905-1 Section 970.4905-1 Federal Acquisition Regulations... Termination of Contracts 970.4905-1 Termination for convenience of the government and default. (a) The...

  16. Risk factors for tuberculosis treatment failure, default, or relapse and outcomes of retreatment in Morocco

    PubMed Central

    2011-01-01

    Background Patients with tuberculosis require retreatment if they fail or default from initial treatment or if they relapse following initial treatment success. Outcomes among patients receiving a standard World Health Organization Category II retreatment regimen are suboptimal, resulting in increased risk of morbidity, drug resistance, and transmission.. In this study, we evaluated the risk factors for initial treatment failure, default, or early relapse leading to the need for tuberculosis retreatment in Morocco. We also assessed retreatment outcomes and drug susceptibility testing use for retreatment patients in urban centers in Morocco, where tuberculosis incidence is stubbornly high. Methods Patients with smear- or culture-positive pulmonary tuberculosis presenting for retreatment were identified using clinic registries in nine urban public clinics in Morocco. Demographic and outcomes data were collected from clinical charts and reference laboratories. To identify factors that had put these individuals at risk for failure, default, or early relapse in the first place, initial treatment records were also abstracted (if retreatment began within two years of initial treatment), and patient characteristics were compared with controls who successfully completed initial treatment without early relapse. Results 291 patients presenting for retreatment were included; 93% received a standard Category II regimen. Retreatment was successful in 74% of relapse patients, 48% of failure patients, and 41% of default patients. 25% of retreatment patients defaulted, higher than previous estimates. Retreatment failure was most common among patients who had failed initial treatment (24%), and default from retreatment was most frequent among patients with initial treatment default (57%). Drug susceptibility testing was performed in only 10% of retreatment patients. Independent risk factors for failure, default, or early relapse after initial treatment included male gender (aOR = 2

  17. Risk factors for tuberculosis treatment failure, default, or relapse and outcomes of retreatment in Morocco.

    PubMed

    Dooley, Kelly E; Lahlou, Ouafae; Ghali, Iraqi; Knudsen, Janine; Elmessaoudi, My Driss; Cherkaoui, Imad; El Aouad, Rajae

    2011-02-28

    Patients with tuberculosis require retreatment if they fail or default from initial treatment or if they relapse following initial treatment success. Outcomes among patients receiving a standard World Health Organization Category II retreatment regimen are suboptimal, resulting in increased risk of morbidity, drug resistance, and transmission.. In this study, we evaluated the risk factors for initial treatment failure, default, or early relapse leading to the need for tuberculosis retreatment in Morocco. We also assessed retreatment outcomes and drug susceptibility testing use for retreatment patients in urban centers in Morocco, where tuberculosis incidence is stubbornly high. Patients with smear- or culture-positive pulmonary tuberculosis presenting for retreatment were identified using clinic registries in nine urban public clinics in Morocco. Demographic and outcomes data were collected from clinical charts and reference laboratories. To identify factors that had put these individuals at risk for failure, default, or early relapse in the first place, initial treatment records were also abstracted (if retreatment began within two years of initial treatment), and patient characteristics were compared with controls who successfully completed initial treatment without early relapse. 291 patients presenting for retreatment were included; 93% received a standard Category II regimen. Retreatment was successful in 74% of relapse patients, 48% of failure patients, and 41% of default patients. 25% of retreatment patients defaulted, higher than previous estimates. Retreatment failure was most common among patients who had failed initial treatment (24%), and default from retreatment was most frequent among patients with initial treatment default (57%). Drug susceptibility testing was performed in only 10% of retreatment patients. Independent risk factors for failure, default, or early relapse after initial treatment included male gender (aOR = 2.29, 95% CI 1

  18. 7 CFR 1951.891 - Liquidation; default.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... Liquidation; default. (a) In the event that FmHA or its successor agency under Public Law 103-354 takes over... recipient. Should the FmHA or its successor agency under Public Law 103-354 determine that it is necessary or desirable to take action to protect or further the interests of FmHA or its successor agency under...

  19. Flu and Finances: Influenza Outbreaks and Loan Defaults in US Cities, 2004-2012.

    PubMed

    Houle, Jason N; Collins, J Michael; Schmeiser, Maximilian D

    2015-09-01

    We examined the association between influenza outbreaks in 83 metropolitan areas and credit card and mortgage defaults, as measured in quarterly zip code-level credit data over the period of 2004 to 2012. We used ordinary least squares, fixed effects, and 2-stage least squares instrumental variables regression strategies to examine the relationship between influenza-related Google searches and 30-, 60-, and 90-day credit card and mortgage delinquency rates. We found that a proxy for influenza outbreaks is associated with a small but statistically significant increase in credit card and mortgage default rates, net of other factors. These effects are largest for 90-day defaults, suggesting that influenza outbreaks have a disproportionate impact on vulnerable borrowers who are already behind on their payments. Overall, it appears there is a relationship between exogenous health shocks (such as influenza) and credit default. The results suggest that consumer finances could benefit from policies that aim to reduce the financial shocks of illness, particularly for vulnerable borrowers.

  20. Risk factors associated with default among new pulmonary TB patients and social support in six Russian regions.

    PubMed

    Jakubowiak, W M; Bogorodskaya, E M; Borisov, S E; Borisov, E S; Danilova, I D; Danilova, D I; Kourbatova, E V; Kourbatova, E K

    2007-01-01

    Tuberculosis (TB) services in six Russian regions in which social support programmes for TB patients were implemented. To identify risk factors for default and to evaluate possible impact of social support. Retrospective study of new pulmonary smear-positive and smear-negative TB patients registered during the second and third quarters of the 2003. Data were analysed in a case-control study including default patients as cases and successfully treated patients as controls, using multivariate logistic regression modelling. A total of 1805 cases of pulmonary TB were enrolled. Default rates in the regions were 2.3-6.3%. On multivariate analysis, risk factors independently associated with default outcome included: unemployment (OR 4.44; 95%CI 2.23-8.86), alcohol abuse (OR 1.99; 95%CI 1.04-3.81), and homelessness (OR 3.49; 95%CI 1.25-9.77). Social support reduced the default outcome (OR 0.13; 95%CI 0.06-0.28), controlling for age, sex, region, residence and acid-fast bacilli (AFB) smear of sputum. Unemployment, alcohol abuse and homelessness were associated with increased default outcome among new TB patients, while social support for TB patients reduced default. Further prospective randomised studies are necessary to evaluate the impact and to determine the most cost-effective social support for improving treatment outcomes of TB in patients in Russia, especially among populations at risk of default.

  1. The Brain’s Default Network and its Adaptive Role in Internal Mentation

    PubMed Central

    Andrews-Hanna, Jessica R.

    2013-01-01

    During the many idle moments that comprise daily life, the human brain increases its activity across a set of midline and lateral cortical brain regions known as the “default network.” Despite the robustness with which the brain defaults to this pattern of activity, surprisingly little is known about the network’s precise anatomical organization and adaptive functions. To provide insight into these questions, this article synthesizes recent literature from structural and functional imaging with a growing behavioral literature on mind wandering. Results characterize the default network as a set of interacting hubs and subsystems that play an important role in “internal mentation” – the introspective and adaptive mental activities in which humans spontaneously and deliberately engage in everyday. . PMID:21677128

  2. In Debt and in the Dark: It's Time for Better Information on Student Loan Defaults. Charts You Can Trust

    ERIC Educational Resources Information Center

    Gillen, Andrew

    2013-01-01

    Student college loan default rates have nearly doubled in recent years. The three-year default rate exceeds 13 percent nationally. Tracking and reporting default rates is a crucial means of monitoring how well higher education dollars are spent. Yet, the way default data is gathered, measured, and reported by the federal government clouds…

  3. Femoral Access PCI in a Default Radial Center Identifies High-Risk Patients With Poor Outcomes.

    PubMed

    Uddin, Muezz; Bundhoo, Shantu; Mitra, Rito; Ossei-Gerning, Nicholas; Morris, Keith; Anderson, Richard; Kinnaird, Tim

    2015-10-01

    Increasingly the trans-radial route (TRR) is preferred over the trans-femoral route (TFR) for PCI. However, even in high volume default TRR centers a cohort of patients undergo TFR PCI. We examined the demographics, procedural characteristics, and outcomes of patients undergoing PCI via the TF. The patient demographics, procedural data, and outcomes of 5,379 consecutive patients undergoing PCI at a default radial center between 2009 and 2012 were examined. Major bleeding (MB) was classified by ACUITY and BARC definitions. A total of 559 (10.4%) patients underwent PCI via the TFR and 4,820 patients via the TRR (89.6%). Baseline variables associated with TFR were shock, previous CABG, chronic total occlusion intervention, rotablation/laser use, female sex, and renal failure. Sixty-five patients of the TFR cohort (11.6%) experienced MB with 27 (41.5%) being access site related. MB was significantly more frequent than in the radial cohort. The variables independently associated with MB in the TFR cohort were renal failure, acute presentation, shock, and age. In the TFR, patients with MB mortality was high at 30 days (17.2% vs 2.6% for no MB, P < 0.0001) and at 1 year (37.6% vs 5.0%, P < 0.0001). Shock and MB were highly predictive of 30 day and 12 month mortality. In a default radial PCI center 10% of patients undergo PCI via the femoral artery. These patients have high baseline bleeding risk and undergo complex interventions. As a result the incidence of major bleeding, transfusion and death are high. Alternative strategies are required to optimize outcomes in this select group. © 2015, Wiley Periodicals, Inc.

  4. A Predictive Model of Student Loan Default at a Two-Year Community College

    ERIC Educational Resources Information Center

    Brown, Chanda Denea

    2015-01-01

    This study explored whether a predictive model of student loan default could be developed with data from an institution's three-year cohort default rate report. The study used borrower data provided by a large two-year community college. Independent variables under investigation included total undergraduate Stafford student loan debt, total number…

  5. 40 CFR 13.19 - Analysis of costs; automation; prevention of overpayments, delinquencies or defaults.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ...; prevention of overpayments, delinquencies or defaults. 13.19 Section 13.19 Protection of Environment...; automation; prevention of overpayments, delinquencies or defaults. (a) The Administrator may periodically... Administrator may establish internal controls to identify the causes of overpayments and delinquencies and may...

  6. A default Bayesian hypothesis test for mediation.

    PubMed

    Nuijten, Michèle B; Wetzels, Ruud; Matzke, Dora; Dolan, Conor V; Wagenmakers, Eric-Jan

    2015-03-01

    In order to quantify the relationship between multiple variables, researchers often carry out a mediation analysis. In such an analysis, a mediator (e.g., knowledge of a healthy diet) transmits the effect from an independent variable (e.g., classroom instruction on a healthy diet) to a dependent variable (e.g., consumption of fruits and vegetables). Almost all mediation analyses in psychology use frequentist estimation and hypothesis-testing techniques. A recent exception is Yuan and MacKinnon (Psychological Methods, 14, 301-322, 2009), who outlined a Bayesian parameter estimation procedure for mediation analysis. Here we complete the Bayesian alternative to frequentist mediation analysis by specifying a default Bayesian hypothesis test based on the Jeffreys-Zellner-Siow approach. We further extend this default Bayesian test by allowing a comparison to directional or one-sided alternatives, using Markov chain Monte Carlo techniques implemented in JAGS. All Bayesian tests are implemented in the R package BayesMed (Nuijten, Wetzels, Matzke, Dolan, & Wagenmakers, 2014).

  7. Removal of Default-State Associated Inhibition During Repetition Priming Improves Response Articulation

    PubMed Central

    Dacks, Andrew M.; Siniscalchi, Michael J.; Weiss, Klaudiusz R.

    2012-01-01

    Behavior is a product of both the stimuli encountered and the current internal state. At the level of the nervous system, the internal state alters the biophysical properties of, and connections between, neurons establishing a “network state”. To establish a network state, the nervous system must be altered from an initial default/resting state, but what remains unclear is the extent to which this process represents induction from a passive default state or the removal of suppression by an active default state. We use repetition priming (a history-dependent improvement of behavioral responses to repeatedly encountered stimuli) to determine the cellular mechanisms underlying the transition from the default to the primed network state. We demonstrate that both removal of active suppression and induction of neuron excitability changes each contribute separately to the production of a primed state. The feeding system of Aplysia californica displays repetition priming via an increase in the activity of the radula closure neuron B8, which results in increased bite strength with each motor program. We found that during priming, B8 received progressively less inhibitory input from the multi-functional neurons B4/5. Additionally, priming enhanced the excitability of B8, but the rate at which B8 activity increased as a result of these changes was regulated by the progressive removal of inhibitory input. Thus, the establishment of the network state involves the induction of processes from a rested state, yet the consequences of these processes are conditional upon critical gating mechanisms actively enforced by the default state. PMID:23223294

  8. The salience network causally influences default mode network activity during moral reasoning

    PubMed Central

    Wilson, Stephen M.; D’Esposito, Mark; Kayser, Andrew S.; Grossman, Scott N.; Poorzand, Pardis; Seeley, William W.; Miller, Bruce L.; Rankin, Katherine P.

    2013-01-01

    Large-scale brain networks are integral to the coordination of human behaviour, and their anatomy provides insights into the clinical presentation and progression of neurodegenerative illnesses such as Alzheimer’s disease, which targets the default mode network, and behavioural variant frontotemporal dementia, which targets a more anterior salience network. Although the default mode network is recruited when healthy subjects deliberate about ‘personal’ moral dilemmas, patients with Alzheimer’s disease give normal responses to these dilemmas whereas patients with behavioural variant frontotemporal dementia give abnormal responses to these dilemmas. We hypothesized that this apparent discrepancy between activation- and patient-based studies of moral reasoning might reflect a modulatory role for the salience network in regulating default mode network activation. Using functional magnetic resonance imaging to characterize network activity of patients with behavioural variant frontotemporal dementia and healthy control subjects, we present four converging lines of evidence supporting a causal influence from the salience network to the default mode network during moral reasoning. First, as previously reported, the default mode network is recruited when healthy subjects deliberate about ‘personal’ moral dilemmas, but patients with behavioural variant frontotemporal dementia producing atrophy in the salience network give abnormally utilitarian responses to these dilemmas. Second, patients with behavioural variant frontotemporal dementia have reduced recruitment of the default mode network compared with healthy control subjects when deliberating about these dilemmas. Third, a Granger causality analysis of functional neuroimaging data from healthy control subjects demonstrates directed functional connectivity from nodes of the salience network to nodes of the default mode network during moral reasoning. Fourth, this Granger causal influence is diminished in

  9. 78 FR 16701 - Notice of Proposed Information Collection: Comment Request Multifamily Default Status Report

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-03-18

    ... Information Collection: Comment Request Multifamily Default Status Report AGENCY: Office of the Assistant... Multifamily Asset Management, Department of Housing and Urban Development, 451 7th Street SW., Washington, DC... Proposal: Multifamily Default Status Report. OMB Control Number, if applicable: 2502-0041. Description of...

  10. Student Loan Default and Repayment in Kentucky

    ERIC Educational Resources Information Center

    Kentucky Council on Postsecondary Education, 2016

    2016-01-01

    As college costs continue to rise, student loan default and repayment are issues of increasing concern to students and families, colleges and universities, and state and federal governments. Helping students borrow responsibly and manage their debt are vitally important to maintaining college access and affordability and increasing the education…

  11. 7 CFR 1717.653 - Borrowers in default.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ..., to be in the financial interest of the government with respect to loan security and/or repayment. If... AGRICULTURE POST-LOAN POLICIES AND PROCEDURES COMMON TO INSURED AND GUARANTEED ELECTRIC LOANS Investments, Loans, and Guarantees by Electric Borrowers § 1717.653 Borrowers in default. Any borrower not in...

  12. 13 CFR 107.1810 - Events of default and SBA's remedies for Licensee's noncompliance with terms of Debentures.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Events of default and SBA's... Noncompliance With Terms of Leverage § 107.1810 Events of default and SBA's remedies for Licensee's... time of their issuance. (b) Automatic events of default. The occurrence of one or more of the events in...

  13. Further evidence of alerted default network connectivity and association with theory of mind ability in schizophrenia.

    PubMed

    Mothersill, Omar; Tangney, Noreen; Morris, Derek W; McCarthy, Hazel; Frodl, Thomas; Gill, Michael; Corvin, Aiden; Donohoe, Gary

    2017-06-01

    Resting-state functional magnetic resonance imaging (rs-fMRI) has repeatedly shown evidence of altered functional connectivity of large-scale networks in schizophrenia. The relationship between these connectivity changes and behaviour (e.g. symptoms, neuropsychological performance) remains unclear. Functional connectivity in 27 patients with schizophrenia or schizoaffective disorder, and 25 age and gender matched healthy controls was examined using rs-fMRI. Based on seed regions from previous studies, we examined functional connectivity of the default, cognitive control, affective and attention networks. Effects of symptom severity and theory of mind performance on functional connectivity were also examined. Patients showed increased connectivity between key nodes of the default network including the precuneus and medial prefrontal cortex compared to controls (p<0.01, FWE-corrected). Increasing positive symptoms and increasing theory of mind performance were both associated with altered connectivity of default regions within the patient group (p<0.01, FWE-corrected). This study confirms previous findings of default hyper-connectivity in schizophrenia spectrum patients and reveals an association between altered default connectivity and positive symptom severity. As a novel find, this study also shows that default connectivity is correlated to and predictive of theory of mind performance. Extending these findings by examining the effects of emerging social cognition treatments on both default connectivity and theory of mind performance is now an important goal for research. Copyright © 2016 Elsevier B.V. All rights reserved.

  14. Default and Executive Network Coupling Supports Creative Idea Production

    PubMed Central

    Beaty, Roger E.; Benedek, Mathias; Barry Kaufman, Scott; Silvia, Paul J.

    2015-01-01

    The role of attention in creative cognition remains controversial. Neuroimaging studies have reported activation of brain regions linked to both cognitive control and spontaneous imaginative processes, raising questions about how these regions interact to support creative thought. Using functional magnetic resonance imaging (fMRI), we explored this question by examining dynamic interactions between brain regions during a divergent thinking task. Multivariate pattern analysis revealed a distributed network associated with divergent thinking, including several core hubs of the default (posterior cingulate) and executive (dorsolateral prefrontal cortex) networks. The resting-state network affiliation of these regions was confirmed using data from an independent sample of participants. Graph theory analysis assessed global efficiency of the divergent thinking network, and network efficiency was found to increase as a function of individual differences in divergent thinking ability. Moreover, temporal connectivity analysis revealed increased coupling between default and salience network regions (bilateral insula) at the beginning of the task, followed by increased coupling between default and executive network regions at later stages. Such dynamic coupling suggests that divergent thinking involves cooperation between brain networks linked to cognitive control and spontaneous thought, which may reflect focused internal attention and the top-down control of spontaneous cognition during creative idea production. PMID:26084037

  15. Distant from input: Evidence of regions within the default mode network supporting perceptually-decoupled and conceptually-guided cognition.

    PubMed

    Murphy, Charlotte; Jefferies, Elizabeth; Rueschemeyer, Shirley-Ann; Sormaz, Mladen; Wang, Hao-Ting; Margulies, Daniel S; Smallwood, Jonathan

    2018-05-01

    The default mode network supports a variety of mental operations such as semantic processing, episodic memory retrieval, mental time travel and mind-wandering, yet the commonalities between these functions remains unclear. One possibility is that this system supports cognition that is independent of the immediate environment; alternatively or additionally, it might support higher-order conceptual representations that draw together multiple features. We tested these accounts using a novel paradigm that separately manipulated the availability of perceptual information to guide decision-making and the representational complexity of this information. Using task based imaging we established regions that respond when cognition combines both stimulus independence with multi-modal information. These included left and right angular gyri and the left middle temporal gyrus. Although these sites were within the default mode network, they showed a stronger response to demanding memory judgements than to an easier perceptual task, contrary to the view that they support automatic aspects of cognition. In a subsequent analysis, we showed that these regions were located at the extreme end of a macroscale gradient, which describes gradual transitions from sensorimotor to transmodal cortex. This shift in the focus of neural activity towards transmodal, default mode, regions might reflect a process of where the functional distance from specific sensory enables conceptually rich and detailed cognitive states to be generated in the absence of input. Copyright © 2018 The Authors. Published by Elsevier Inc. All rights reserved.

  16. Fuel Supply Defaults for Regional Fuels and Fuel Wizard Tool in MOVES201X

    EPA Science Inventory

    The fuel supply report documents the data and methodology used to derive the default gasoline, diesel and fuel-blend fuel properties, and their respective fuel market share in MOVES. The default market share of the individual fuels varies by calendar year, seasons, and several do...

  17. 78 FR 36564 - 30-Day Notice of Proposed Information Collection: Multifamily Default Status Report

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-06-18

    ... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5683-N-48] 30-Day Notice of Proposed Information Collection: Multifamily Default Status Report AGENCY: Office of the Chief Information Officer, HUD... Title of Information Collection: Multifamily Default Status Report. OMB Approval Number: 2502-0041. Type...

  18. Strategies for reducing treatment default in drug-resistant tuberculosis: systematic review and meta-analysis.

    PubMed

    Toczek, A; Cox, H; du Cros, P; Cooke, G; Ford, N

    2013-03-01

    Scaling up treatment for multidrug-resistant tuberculosis is a global health priority. However, current treatment regimens are long and associated with side effects, and default rates are consequently high. This systematic review aimed to identify strategies for reducing treatment default. We conducted a systematic search up to May 2012 to identify studies describing interventions to support patients receiving treatment for multidrug-resistant tuberculosis (MDR-TB). The potential influence of study interventions were explored through subgroup analyses. A total of 75 studies provided outcomes for 18,294 patients across 31 countries. Default rates ranged from 0.5% to 56%, with a pooled proportion of 14.8% (95%CI 12.4-17.4). Strategies identified to be associated with lower default rates included the engagement of community health workers as directly observed treatment (DOT) providers, the provision of DOT throughout treatment, smaller cohort sizes and the provision of patient education. Current interventions to support adherence and retention are poorly described and based on weak evidence. This review was able to identify a number of promising, inexpensive interventions feasible for implementation and scale-up in MDR-TB programmes. The high default rates reported from many programmes underscore the pressing need to further refine and evaluate simple intervention packages to support patients.

  19. Student Loan Forbearance and Its Relationship to Default. Synopsis: Higher Education Research Highlights.

    ERIC Educational Resources Information Center

    Price, Derek V.

    As the number and volume of student loans increase nationally, lenders and policymakers look more closely at the use of loan forbearance. This paper examines whether forbearance really cuts the risk of loan default by reporting on a study of more than 9,800 Stafford loans in forbearance in December 1996. That research shows that the default rate…

  20. Domestic violence is a leading risk factor in default from colposcopy services.

    PubMed

    Collier, Rachael; Quinlivan, Julie A

    2014-06-01

    Domestic violence is common in women and is associated with poorer health-care outcomes. However, no causal pathway has been identified to explain this observation. We have followed a cohort of women to determine whether poorer outcomes can be explained by high rates of default and loss to follow-up. A prospective cohort study was performed. Institutional ethics approval was obtained. Participants were consecutive patients attending colposcopy clinics at a major metropolitan hospital in Australia. Following ascertainment of domestic violence status, appointment outcomes for colposcopy services were tracked for a 3-year period. Multivariate analysis was undertaken to determine demographic factors associated with default from care and loss to follow-up. Of 581 women approached, consent was obtained from 574 women (99%). Domestic violence status was obtained from 566 women, of whom 187 (33%) had a recent history of exposure. Women exposed to violence were more likely to default from colposcopy once (26.2% vs 7.4%; P < 0.0001), twice (11.2% vs 3.2%, P = 0.0001), or thrice (10.7% vs 2.4%, P < 0.0001). They were more likely to be lost to follow-up (8.0% vs 1.1%, P < 0.0001). In multivariate analysis, exposure to domestic violence remained significantly associated with default and loss to follow-up. Domestic violence is a risk factor for default from attendance and loss to follow-up at colposcopy services. This may explain the mechanism behind adverse health-care outcomes seen. Screening and targeted appointment intervention programs may improve clinical compliance. © 2014 The Authors. Journal of Obstetrics and Gynaecology Research © 2014 Japan Society of Obstetrics and Gynecology.

  1. The default network and self-generated thought: component processes, dynamic control, and clinical relevance

    PubMed Central

    Andrews-Hanna, Jessica R.; Smallwood, Jonathan; Spreng, R. Nathan

    2014-01-01

    Though only a decade has elapsed since the default network was first emphasized as being a large-scale brain system, recent years have brought great insight into the network’s adaptive functions. A growing theme highlights the default network as playing a key role in internally-directed—or self-generated—thought. Here, we synthesize recent findings from cognitive science, neuroscience, and clinical psychology to focus attention on two emerging topics as current and future directions surrounding the default network. First, we present evidence that self-generated thought is a multi-faceted construct whose component processes are supported by different subsystems within the network. Second, we highlight the dynamic nature of the default network, emphasizing its interaction with executive control systems when regulating aspects of internal thought. We conclude by discussing clinical implications of disruptions to the integrity of the network, and consider disorders when thought content becomes polarized or network interactions become disrupted or imbalanced. PMID:24502540

  2. Emission of biocides from hospitals: comparing current survey results with European Union default values.

    PubMed

    Tluczkiewicz, Inga; Bitsch, Annette; Hahn, Stefan; Hahn, Torsten

    2010-04-01

    Under the European Union (EU) Biocidal Products Directive 98/8/EC, comprehensive evaluations on substances of the Third Priority List were conducted until 31 July 2007. This list includes, among other categories, disinfectants for human hygiene (e.g., skin and surface disinfection). For environmental exposure assessment of biocides, the EU emission scenarios apply. Currently available default values for disinfectants are based on consumption data from not more than 8 hospitals and were originally assembled for other purposes. To revalidate these default values, a survey on annual consumption data was performed in 27 German hospitals. These data were analyzed to provide consumption data per bed and day and per nurse and day for particular categories of active ingredients and were compared with default values from the EU emission scenario documents. Although several deviations were detected, an overall acceptable correspondence between Emission Scenario Documents default values and the current survey data was found. (c) 2009 SETAC

  3. Estimation of methane emission rate changes using age-defined waste in a landfill site.

    PubMed

    Ishii, Kazuei; Furuichi, Toru

    2013-09-01

    Long term methane emissions from landfill sites are often predicted by first-order decay (FOD) models, in which the default coefficients of the methane generation potential and the methane generation rate given by the Intergovernmental Panel on Climate Change (IPCC) are usually used. However, previous studies have demonstrated the large uncertainty in these coefficients because they are derived from a calibration procedure under ideal steady-state conditions, not actual landfill site conditions. In this study, the coefficients in the FOD model were estimated by a new approach to predict more precise long term methane generation by considering region-specific conditions. In the new approach, age-defined waste samples, which had been under the actual landfill site conditions, were collected in Hokkaido, Japan (in cold region), and the time series data on the age-defined waste sample's methane generation potential was used to estimate the coefficients in the FOD model. The degradation coefficients were 0.0501/y and 0.0621/y for paper and food waste, and the methane generation potentials were 214.4 mL/g-wet waste and 126.7 mL/g-wet waste for paper and food waste, respectively. These coefficients were compared with the default coefficients given by the IPCC. Although the degradation coefficient for food waste was smaller than the default value, the other coefficients were within the range of the default coefficients. With these new coefficients to calculate methane generation, the long term methane emissions from the landfill site was estimated at 1.35×10(4)m(3)-CH(4), which corresponds to approximately 2.53% of the total carbon dioxide emissions in the city (5.34×10(5)t-CO(2)/y). Copyright © 2013 Elsevier Ltd. All rights reserved.

  4. 48 CFR 1349.402-3 - Procedure for default

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 48 Federal Acquisition Regulations System 5 2010-10-01 2010-10-01 false Procedure for default 1349.402-3 Section 1349.402-3 Federal Acquisition Regulations System DEPARTMENT OF COMMERCE CONTRACT... Executive, and the action has been reviewed for legal sufficiency. ...

  5. Student Loan Default Rates in Minnesota, 2007

    ERIC Educational Resources Information Center

    Grimes, Tricia

    2010-01-01

    While Minnesota undergraduates are more likely to take out student loans, they are substantially less likely than their peers nationally to default on federal student loans. Fifty-four percent of Minnesota undergraduates took out student loans in 2007-2008, compared to 39 percent of undergraduates across the U.S. Minnesota undergraduates were also…

  6. Student Loans: Characteristics of Students and Default Rates at Historically Black Colleges and Universities. Report to Congressional Requesters.

    ERIC Educational Resources Information Center

    General Accounting Office, Washington, DC. Health, Education, and Human Services Div.

    This report to Congress analyzes student loan default rates at historically black colleges and universities (HBCUs), focusing on student characteristics which may predict the likelihood of default. The study examined available student databases for characteristics identified by previous studies as related to level of student loan defaults. Among…

  7. The Application of Optimal Defaults to Improve Elementary School Lunch Selections: Proof of Concept

    ERIC Educational Resources Information Center

    Loeb, Katharine L.; Radnitz, Cynthia; Keller, Kathleen L.; Schwartz, Marlene B.; Zucker, Nancy; Marcus, Sue; Pierson, Richard N.; Shannon, Michael; DeLaurentis, Danielle

    2018-01-01

    Background: In this study, we applied behavioral economics to optimize elementary school lunch choices via parent-driven decisions. Specifically, this experiment tested an optimal defaults paradigm, examining whether strategically manipulating the health value of a default menu could be co-opted to improve school-based lunch selections. Methods:…

  8. Markov Chain Model with Catastrophe to Determine Mean Time to Default of Credit Risky Assets

    NASA Astrophysics Data System (ADS)

    Dharmaraja, Selvamuthu; Pasricha, Puneet; Tardelli, Paola

    2017-11-01

    This article deals with the problem of probabilistic prediction of the time distance to default for a firm. To model the credit risk, the dynamics of an asset is described as a function of a homogeneous discrete time Markov chain subject to a catastrophe, the default. The behaviour of the Markov chain is investigated and the mean time to the default is expressed in a closed form. The methodology to estimate the parameters is given. Numerical results are provided to illustrate the applicability of the proposed model on real data and their analysis is discussed.

  9. Weaving a knowledge network for Deep Carbon Science

    NASA Astrophysics Data System (ADS)

    Ma, Xiaogang; West, Patrick; Zednik, Stephan; Erickson, John; Eleish, Ahmed; Chen, Yu; Wang, Han; Zhong, Hao; Fox, Peter

    2017-05-01

    Geoscience researchers are increasingly dependent on informatics and the Web to conduct their research. Geoscience is one of the first domains that take lead in initiatives such as open data, open code, open access, and open collections, which comprise key topics of Open Science in academia. The meaning of being open can be understood at two levels. The lower level is to make data, code, sample collections and publications, etc. freely accessible online and allow reuse, modification and sharing. The higher level is the annotation and connection between those resources to establish a network for collaborative scientific research. In the data science component of the Deep Carbon Observatory (DCO), we have leveraged state-of-the-art information technologies and existing online resources to deploy a web portal for the over 1000 researchers in the DCO community. An initial aim of the portal is to keep track of all research and outputs related to the DCO community. Further, we intend for the portal to establish a knowledge network, which supports various stages of an open scientific process within and beyond the DCO community. Annotation and linking are the key characteristics of the knowledge network. Not only are key assets, including DCO data and methods, published in an open and inter-linked fashion, but the people, organizations, groups, grants, projects, samples, field sites, instruments, software programs, activities, meetings, etc. are recorded and connected to each other through relationships based on well-defined, formal conceptual models. The network promotes collaboration among DCO participants, improves the openness and reproducibility of carbon-related research, facilitates accreditation to resource contributors, and eventually stimulates new ideas and findings in deep carbon-related studies.

  10. Factors influencing treatment default among tuberculosis patients in a high burden province of South Africa.

    PubMed

    Kigozi, G; Heunis, C; Chikobvu, P; Botha, S; van Rensburg, D

    2017-01-01

    To determine and describe the factors influencing treatment default of tuberculosis (TB) patients in the Free State Province of South Africa. A retrospective records review of pulmonary TB cases captured in the ETR.Net electronic TB register between 2003 and 2012 was performed. Subjects were >15 years of age and had a recorded pre-treatment smear result. The demographic and clinical characteristics of defaulters were described. Multivariate logistic regression analysis was used to determine factors associated with treatment default. The odds ratios (OR) together with their corresponding 95% confidence intervals (CI) were estimated. Statistical significance was considered at 0.05. A total of 7980 out of 110 349 (7.2%) cases defaulted treatment. Significantly higher proportions of cases were male (8.3% vs. female: 5.8%; p<0.001), <25 years old (9.1% vs. 25-34 years: 8.7%; 35-44 years: 7.0%; 45-54 years: 5.2%; 55-64 years: 4.4%; >64 years: 3.9%; p<0.001), undergoing TB retreatment (11.0% vs. new cases: 6.3%; p<0.001), had a negative pre-treatment sputum smear result (7.8% vs. positive smear results: 7.1%; p<0.001), were in the first 2 months of treatment (95.5% vs. >2 months: 4.8%; p<0.001), and had unknown HIV status (7.8% vs. HIV-positive: 7.0% and HIV-negative: 5.7%; p<0.001). After controlling for potential confounders, multivariate analysis revealed a two-fold increased risk of defaulting treatment when being retreated compared to being treated for the first time for TB (adjusted OR (AOR) 2.0, 95% CI 1.85-2.25). Female cases were 40% less likely to default treatment compared to their male counterparts (AOR 0.6, 95% CI 0.51-0.71). Treatment default was less likely among cases >24 years old compared to younger cases (25-34 years: AOR 0.8, 95% CI 0.77-0.87; 35-44 years: AOR 0.6, 95% CI 0.50-0.64; 45-54 years: AOR 0.4, 95% CI 0.32-0.49; 55-64 years: AOR 0.3, 95% CI 0.21-0.43; >64 years: AOR 0.3, 95% CI 0.19-0.35). Co-infected cases receiving antiretroviral therapy

  11. 13 CFR 108.1810 - Events of default and SBA's remedies for NMVC Company's noncompliance with terms of Debentures.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... diversity between management and ownership as required by § 108.150. (g) SBA remedies for events of default... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Events of default and SBA's... Company's Noncompliance With Terms of Leverage § 108.1810 Events of default and SBA's remedies for NMVC...

  12. 7 CFR 4290.1810 - Events of default and the Secretary's remedies for RBIC's noncompliance with terms of Debentures.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Events of default and the Secretary's remedies for... With Terms of Leverage § 4290.1810 Events of default and the Secretary's remedies for RBIC's... and as if fully set forth in the Debentures. (b) Automatic events of default. The occurrence of one or...

  13. Strength of Default Mode Resting-State Connectivity Relates to White Matter Integrity in Children

    ERIC Educational Resources Information Center

    Gordon, Evan M.; Lee, Philip S.; Maisog, Jose M.; Foss-Feig, Jennifer; Billington, Michael E.; VanMeter, John; Vaidya, Chandan J.

    2011-01-01

    A default mode network of brain regions is known to demonstrate coordinated activity during the resting state. While the default mode network is well characterized in adults, few investigations have focused upon its development. We scanned 9-13-year-old children with diffusion tensor imaging and resting-state functional magnetic resonance imaging.…

  14. Modeling fluctuations in default-mode brain network using a spiking neural network.

    PubMed

    Yamanishi, Teruya; Liu, Jian-Qin; Nishimura, Haruhiko

    2012-08-01

    Recently, numerous attempts have been made to understand the dynamic behavior of complex brain systems using neural network models. The fluctuations in blood-oxygen-level-dependent (BOLD) brain signals at less than 0.1 Hz have been observed by functional magnetic resonance imaging (fMRI) for subjects in a resting state. This phenomenon is referred to as a "default-mode brain network." In this study, we model the default-mode brain network by functionally connecting neural communities composed of spiking neurons in a complex network. Through computational simulations of the model, including transmission delays and complex connectivity, the network dynamics of the neural system and its behavior are discussed. The results show that the power spectrum of the modeled fluctuations in the neuron firing patterns is consistent with the default-mode brain network's BOLD signals when transmission delays, a characteristic property of the brain, have finite values in a given range.

  15. Frontal parietal control network regulates the anti-correlated default and dorsal attention networks.

    PubMed

    Gao, Wei; Lin, Weili

    2012-01-01

    Recent reports demonstrate the anti-correlated behaviors between the default (DF) and the dorsal attention (DA) networks. We aimed to investigate the roles of the frontal parietal control (FPC) network in regulating the two anti-correlated networks through three experimental conditions, including resting, continuous self-paced/attended sequential finger tapping (FT), and natural movie watching (MW), respectively. The two goal-directed tasks were chosen to engage either one of the two competing networks-FT for DA whereas MW for default. We hypothesized that FPC will selectively augment/suppress either network depending on how the task targets the specific network; FPC will positively correlate with the target network, but negatively correlate with the network anti-correlated with the target network. We further hypothesized that significant causal links from FPC to both DA and DF are present during all three experimental conditions, supporting the initiative regulating role of FPC over the two opposing systems. Consistent with our hypotheses, FPC exhibited a significantly higher positive correlation with DA (P = 0.0095) whereas significantly more negative correlation with default (P = 0.0025) during FT when compared to resting. Completely opposite to that observed during FT, the FPC was significantly anti-correlated with DA (P = 2.1e-6) whereas positively correlated with default (P = 0.0035) during MW. Furthermore, extensive causal links from FPC to both DA and DF were observed across all three experimental states. Together, our results strongly support the notion that the FPC regulates the anti-correlated default and DA networks. Copyright © 2011 Wiley Periodicals, Inc.

  16. Frontal Parietal Control Network Regulates the Anti-Correlated Default and Dorsal Attention Networks

    PubMed Central

    Gao, Wei; Lin, Weili

    2011-01-01

    Recent reports demonstrate the anti-correlated behaviors between the default and the dorsal attention (DA) networks. We aimed to investigate the roles of the frontal parietal control (FPC) network in regulating the two anti-correlated networks through three experimental conditions, including resting, continuous self-paced/attended sequential finger tapping (FT), and natural movie watching (MW), respectively. The two goal-directed tasks were chosen to engage either one of the two competing networks—FT for DA whereas MW for default. We hypothesized that FPC will selectively augment/suppress either network depending on how the task targets the specific network; FPC will positively correlate with the target network, but negatively correlate with the network anti-correlated with the target network. We further hypothesized that significant causal links from FPC to both DA and DF are present during all three experimental conditions, supporting the initiative regulating role of FPC over the two opposing systems. Consistent with our hypotheses, FPC exhibited a significantly higher positive correlation with DA (P = 0.0095) whereas significantly more negative correlation with default (P = 0.0025) during FT when compared to resting. Completely opposite to that observed during FT, the FPC was significantly anti-correlated with DA (P = 2.1e-6) whereas positively correlated with default (P = 0.0035) during MW. Furthermore, extensive causal links from FPC to both DA and DF were observed across all three experimental states. Together, our results strongly support the notion that the FPC regulates the anti-correlated default and DA networks. PMID:21391263

  17. Automating Geospatial Visualizations with Smart Default Renderers for Data Exploration Web Applications

    NASA Astrophysics Data System (ADS)

    Ekenes, K.

    2017-12-01

    This presentation will outline the process of creating a web application for exploring large amounts of scientific geospatial data using modern automated cartographic techniques. Traditional cartographic methods, including data classification, may inadvertently hide geospatial and statistical patterns in the underlying data. This presentation demonstrates how to use smart web APIs that quickly analyze the data when it loads, and provides suggestions for the most appropriate visualizations based on the statistics of the data. Since there are just a few ways to visualize any given dataset well, it is imperative to provide smart default color schemes tailored to the dataset as opposed to static defaults. Since many users don't go beyond default values, it is imperative that they are provided with smart default visualizations. Multiple functions for automating visualizations are available in the Smart APIs, along with UI elements allowing users to create more than one visualization for a dataset since there isn't a single best way to visualize a given dataset. Since bivariate and multivariate visualizations are particularly difficult to create effectively, this automated approach removes the guesswork out of the process and provides a number of ways to generate multivariate visualizations for the same variables. This allows the user to choose which visualization is most appropriate for their presentation. The methods used in these APIs and the renderers generated by them are not available elsewhere. The presentation will show how statistics can be used as the basis for automating default visualizations of data along continuous ramps, creating more refined visualizations while revealing the spread and outliers of the data. Adding interactive components to instantaneously alter visualizations allows users to unearth spatial patterns previously unknown among one or more variables. These applications may focus on a single dataset that is frequently updated, or configurable

  18. Increased risk of default among previously treated tuberculosis cases in the Western Cape Province, South Africa.

    PubMed

    Marx, F M; Dunbar, R; Hesseling, A C; Enarson, D A; Fielding, K; Beyers, N

    2012-08-01

    To investigate, in two urban communities with high tuberculosis (TB) incidence and high rates of TB recurrence, whether a history of previous TB treatment is associated with treatment default. Retrospective cohort study of TB cases with an episode of treatment recorded in the clinic-based treatment registers between 2002 and 2007. Probabilistic record linkage was used to ascertain treatment history of TB cases back to 1996. Based on the outcome of their most recent previous treatment episode, previously treated cases were compared to new cases regarding their risk of treatment default. Previous treatment success (adjusted odds ratio [aOR] 1.79; 95%CI 1.17-2.73), previous default (aOR 6.18, 95%CI 3.68-10.36) and previous failure (aOR 9.72, 95%CI 3.07-30.78) were each independently associated with treatment default (P < 0.001). Other factors independently associated with default were male sex (P = 0.003) and age 19-39 years (P < 0.001). Previously treated TB cases are at increased risk of treatment default, even after previous successful treatment. This finding is of particular importance in a setting where recurrent TB is very common. Adherence to treatment should be ensured in new and retreatment cases to increase cure rates and reduce transmission of TB in the community.

  19. Risk factors associated with default among retreatment tuberculosis patients on DOTS in Paschim Medinipur district (West Bengal).

    PubMed

    Sarangi, S S; Dutt, D

    2014-07-01

    In India in 2010, 14.1% of retreatment of TB patients' treatment outcome was 'default'. Since 2002, in Paschim Midnapur District (West Bengal), it has been around 15-20%. To determine the timing, characteristics and risk factors associated with default among retreatment TB patients on DOTS. It was a case control study, conducted in six TB units (TU) of Paschim Midnapur District, which were selected by simple random sampling. Data was collected from treatment records of TUs/DTC. Data was also collected through interviews of the patients using the same pre-tested semi-structured questionnaire from 87 defaulters and 86 consecutively registered non-defaulters registered in first quarter, 2009 to second quarter, 2010. Median duration of treatment taken before default was 121 days (inter-quartile range of 64-176 days). Median number of doses of treatment taken before default was 36 (inter -quartile range of 26-63 doses). No retrieval action was documented in 57.5% cases. Retrieval was done between 0-7 days of missed doses in 29.9% cases. Multiple logistic regression analysis indicated the following important risk factors for default at 95% confidence interval: male-sex limit: [aOR 3.957 (1.162-13.469)], alcoholic inebriation[ aOR6.076 (2.088-17.675)], distance from DOT centre [aOR 4.066 (1.675-9.872)], number of missed doses during treatment [aOR 1.849 (1.282-2.669)] and no initial home visit [aOR 10.607 (2.286 -49.221)]. In Paschim Midnapur district, default of retreatment TB occurs mostly after a few doses in continuation phase. Initial home visit, patient provider meeting, retrieval action, community-based treatment as per RNTCP guidelines are required to uplift the programme.

  20. Flu and Finances: Influenza Outbreaks and Loan Defaults in US Cities, 2004–2012

    PubMed Central

    Collins, J. Michael; Schmeiser, Maximilian D.

    2015-01-01

    Objectives. We examined the association between influenza outbreaks in 83 metropolitan areas and credit card and mortgage defaults, as measured in quarterly zip code–level credit data over the period of 2004 to 2012. Methods. We used ordinary least squares, fixed effects, and 2-stage least squares instrumental variables regression strategies to examine the relationship between influenza-related Google searches and 30-, 60-, and 90-day credit card and mortgage delinquency rates. Results. We found that a proxy for influenza outbreaks is associated with a small but statistically significant increase in credit card and mortgage default rates, net of other factors. These effects are largest for 90-day defaults, suggesting that influenza outbreaks have a disproportionate impact on vulnerable borrowers who are already behind on their payments. Conclusions. Overall, it appears there is a relationship between exogenous health shocks (such as influenza) and credit default. The results suggest that consumer finances could benefit from policies that aim to reduce the financial shocks of illness, particularly for vulnerable borrowers. PMID:26180971

  1. Functional connectivity of default mode network components: correlation, anticorrelation, and causality

    PubMed Central

    Uddin, Lucina Q.; Clare Kelly, A. M.; Biswal, Bharat B.; Castellanos, F. Xavier; Milham, Michael P.

    2013-01-01

    The default mode network (DMN), based in ventromedial prefrontal cortex (vmPFC) and posterior cingulate cortex (PCC), exhibits higher metabolic activity at rest than during performance of externally-oriented cognitive tasks. Recent studies have suggested that competitive relationships between the DMN and various task-positive networks involved in task performance are intrinsically represented in the brain in the form of strong negative correlations (anticorrelations) between spontaneous fluctuations in these networks. Most neuroimaging studies characterize the DMN as a homogenous network, thus few have examined the differential contributions of DMN components to such competitive relationships. Here we examined functional differentiation within the default mode network, with an emphasis on understanding competitive relationships between this and other networks. We used a seed correlation approach on resting-state data to assess differences in functional connectivity between these two regions and their anticorrelated networks. While the positively correlated networks for the vmPFC and PCC seeds largely overlapped, the anticorrelated networks for each showed striking differences. Activity in vmPFC negatively predicted activity in parietal visual spatial and temporal attention networks, whereas activity in PCC negatively predicted activity in prefrontal-based motor control circuits. Granger causality analyses suggest that vmPFC and PCC exert greater influence on their anticorrelated networks than the other way around, suggesting that these two default mode nodes may directly modulate activity in task-positive networks. Thus, the two major nodes comprising the default mode network are differentiated with respect to the specific brain systems with which they interact, suggesting greater heterogeneity within this network than is commonly appreciated. PMID:18219617

  2. 24 CFR 880.507 - Default by PHA and/or owner (private-owner/PHA projects).

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... projects). (a) Rights of Owner if PHA defaults under Agreement or Contract. The ACC, the Agreement and the... obligations to enter into the Contract. (b) Rights of HUD if PHA defaults under ACC. The ACC will provide that..., HUD will continue to pay annual contributions in accordance with the terms of the ACC and the Contract...

  3. 24 CFR 880.507 - Default by PHA and/or owner (private-owner/PHA projects).

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... projects). (a) Rights of Owner if PHA defaults under Agreement or Contract. The ACC, the Agreement and the... obligations to enter into the Contract. (b) Rights of HUD if PHA defaults under ACC. The ACC will provide that..., HUD will continue to pay annual contributions in accordance with the terms of the ACC and the Contract...

  4. Default network connectivity reflects the level of consciousness in non-communicative brain-damaged patients

    PubMed Central

    Vanhaudenhuyse, Audrey; Noirhomme, Quentin; Tshibanda, Luaba J.-F.; Bruno, Marie-Aurelie; Boveroux, Pierre; Schnakers, Caroline; Soddu, Andrea; Perlbarg, Vincent; Ledoux, Didier; Brichant, Jean-François; Moonen, Gustave; Maquet, Pierre; Greicius, Michael D.

    2010-01-01

    The ‘default network’ is defined as a set of areas, encompassing posterior-cingulate/precuneus, anterior cingulate/mesiofrontal cortex and temporo-parietal junctions, that show more activity at rest than during attention-demanding tasks. Recent studies have shown that it is possible to reliably identify this network in the absence of any task, by resting state functional magnetic resonance imaging connectivity analyses in healthy volunteers. However, the functional significance of these spontaneous brain activity fluctuations remains unclear. The aim of this study was to test if the integrity of this resting-state connectivity pattern in the default network would differ in different pathological alterations of consciousness. Fourteen non-communicative brain-damaged patients and 14 healthy controls participated in the study. Connectivity was investigated using probabilistic independent component analysis, and an automated template-matching component selection approach. Connectivity in all default network areas was found to be negatively correlated with the degree of clinical consciousness impairment, ranging from healthy controls and locked-in syndrome to minimally conscious, vegetative then coma patients. Furthermore, precuneus connectivity was found to be significantly stronger in minimally conscious patients as compared with unconscious patients. Locked-in syndrome patient’s default network connectivity was not significantly different from controls. Our results show that default network connectivity is decreased in severely brain-damaged patients, in proportion to their degree of consciousness impairment. Future prospective studies in a larger patient population are needed in order to evaluate the prognostic value of the presented methodology. PMID:20034928

  5. 29 CFR 2550.404c-5 - Fiduciary relief for investments in qualified default investment alternatives.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 29 Labor 9 2011-07-01 2011-07-01 false Fiduciary relief for investments in qualified default investment alternatives. 2550.404c-5 Section 2550.404c-5 Labor Regulations Relating to Labor (Continued... Fiduciary relief for investments in qualified default investment alternatives. (a) In general. (1) This...

  6. 40 CFR Table I-1 to Subpart I - Default Emission Factors for Threshold Applicability Determination

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... 40 Protection of Environment 22 2012-07-01 2012-07-01 false Default Emission Factors for Threshold Applicability Determination I Table I-1 to Subpart I Protection of Environment ENVIRONMENTAL PROTECTION AGENCY..., Subpt. I, Table I-1 Table I-1 to Subpart I—Default Emission Factors for Threshold Applicability...

  7. 48 CFR 1649.101-72 - FEHBP termination for default clause.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... MANAGEMENT FEDERAL EMPLOYEES HEALTH BENEFITS ACQUISITION REGULATION CONTRACT MANAGEMENT TERMINATION OF CONTRACTS General Principles 1649.101-72 FEHBP termination for default clause. The clause set forth in 1652...

  8. The rate of sputum smear-positive tuberculosis after treatment default in a high-burden setting: a retrospective cohort study.

    PubMed

    Marx, Florian M; Dunbar, Rory; Enarson, Donald A; Beyers, Nulda

    2012-01-01

    High rates of recurrent tuberculosis after successful treatment have been reported from different high burden settings in Sub-Saharan Africa. However, little is known about the rate of smear-positive tuberculosis after treatment default. In particular, it is not known whether or not treatment defaulters continue to be or become again smear-positive and thus pose a potential for transmission of infection to others. To investigate, in a high tuberculosis burden setting, the rate of re-treatment for smear-positive tuberculosis among cases defaulting from standardized treatment compared to successfully treated cases. Retrospective cohort study among smear-positive tuberculosis cases treated between 1996 and 2008 in two urban communities in Cape Town, South Africa. Episodes of re-treatment for smear-positive tuberculosis were ascertained via probabilistic record linkage. Survival analysis and Poisson regression were used to compare the rate of smear-positive tuberculosis after treatment default to that after successful treatment. A total of 2,136 smear-positive tuberculosis cases were included in the study. After treatment default, the rate of re-treatment for smear-positive tuberculosis was 6.86 (95% confidence interval [CI]: 5.59-8.41) per 100 person-years compared to 2.09 (95% CI: 1.81-2.41) after cure (adjusted Hazard Ratio [aHR]: 3.97; 95% CI: 3.00-5.26). Among defaulters, the rate was inversely associated with treatment duration and sputum conversion prior to defaulting. Smear grade at start of the index treatment episode (Smear3+: aHR 1.61; 95%CI 1.11-2.33) was independently associated with smear-positive tuberculosis re-treatment, regardless of treatment outcome. In this high-burden setting, there is a high rate of subsequent smear-positive tuberculosis after treatment default. Treatment defaulters are therefore likely to contribute to the pool of infectious source cases in the community. Our findings underscore the importance of preventing treatment default, as

  9. Smear Conversion, Treatment Outcomes and the Time of Default in Registered Tuberculosis Patients on RNTCP DOTS in Puducherry, Southern India

    PubMed Central

    Jayakumar, Niranjana; Gnanasekaran, Dhivyalakshmi

    2014-01-01

    Background: Revised National Tuberculosis Control Programme (RNTCP) in India has achieved improved cure rates. Objectives: This study describes the achievements under RNTCP in terms of conversion rates, treatment outcomes and pattern of time of default in patients on directly observed short-course treatment for Tuberculosis in Puducherry, Southern India. Settings: Retrospective cohort study; Tuberculosis Unit in District Tuberculosis Centre, Puducherry, India. Materials and Methods: Cohort analysis of patients of registered at the Tuberculosis Unit during 1st and 2nd quarter of the year 2011. Details about sputum conversion, treatment outcome and time of default were obtained from the tuberculosis register. Statistical Analysis: Kaplan-Meier plots & log rank tests. Results: RNTCP targets with respect to success rate (85.7%), death rate (2.7%) and failure rate (2.1%) in new cases have been achieved but the sputum conversion rate (88%) and default rate (5.9%) targets have not been achieved. The overall default rate for all registered TB patients was 7.4%; significantly higher in category II. In retreatment cases registered as treatment after default, the default rate was high (9%). The cumulative default rate; though similar in the initial two months of treatment; was consistently higher in category II as compared to that in category I. Nearly 40% of all defaulters interrupted treatment between the second and fourth month after treatment initiation. Conclusion: Defaulting from treatment is more common among the retreatment cases and usually occurs during the transition phase from intensive phase to continuation phase. PMID:25478371

  10. 42 CFR 23.28 - What events constitute default?

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 42 Public Health 1 2011-10-01 2011-10-01 false What events constitute default? 23.28 Section 23.28 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES PERSONNEL NATIONAL HEALTH SERVICE CORPS Private Practice Special Loans for Former Corps Members § 23.28 What events constitute...

  11. 24 CFR 27.15 - Notice of default and foreclosure sale.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... and Urban Development NONJUDICIAL FORECLOSURE OF MULTIFAMILY AND SINGLE FAMILY MORTGAGES Nonjudicial Foreclosure of Multifamily Mortgages § 27.15 Notice of default and foreclosure sale. (a) Within 45 days after...

  12. 24 CFR 27.15 - Notice of default and foreclosure sale.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... and Urban Development NONJUDICIAL FORECLOSURE OF MULTIFAMILY AND SINGLE FAMILY MORTGAGES Nonjudicial Foreclosure of Multifamily Mortgages § 27.15 Notice of default and foreclosure sale. (a) Within 45 days after...

  13. 24 CFR 27.15 - Notice of default and foreclosure sale.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... and Urban Development NONJUDICIAL FORECLOSURE OF MULTIFAMILY AND SINGLE FAMILY MORTGAGES Nonjudicial Foreclosure of Multifamily Mortgages § 27.15 Notice of default and foreclosure sale. (a) Within 45 days after...

  14. Beyond Defaults: Indicators for Assessing Proprietary School Quality.

    ERIC Educational Resources Information Center

    Goodwin, David

    Largely because of high student loan default rates, much of the criticism of federal aid programs has focused on policies and practices affecting the participation of proprietary schools in federal student aid. This report reviews alternative indicators of school performance that are currently used or could be used by the federal student aid…

  15. Risk factors of treatment default and death among tuberculosis patients in a resource-limited setting.

    PubMed

    Alobu, Isaac; Oshi, Sarah N; Oshi, Daniel C; Ukwaja, Kingsley N

    2014-12-01

    To evaluate the rates, timing and determinants of default and death among adult tuberculosis patients in Nigeria. Routine surveillance data were used. A retrospective cohort study of adult tuberculosis patients treated during 2011 and 2012 in two large health facilities in Ebonyi State, Nigeria was conducted. Multivariable logistic regression analyses were used to identify independent predictors for treatment default and death. Of 1 668 treated patients, the default rate was 157 (9.4%), whilst 165 (9.9%) died. Also, 35.7% (56) of the treatment defaults and 151 (91.5%) of deaths occurred during the intensive phase of treatment. Risk of default increased with increasing age (adjusted odds ratio (aOR) 1.2; 95% confidence interval (CI) 1.1-1.9), smear-negative TB case (aOR 2.3; CI 1.5-3.6), extrapulmonary TB case (aOR 2.7; CI 1.3-5.2), and patients who received the longer treatment regimen (aOR 1.6; 1.1-2.2). Risk of death was highest in extrapulmonary TB (aOR 3.0; CI 1.4-6.1) and smear-negative TB cases (aOR 2.4; CI 1.7-3.5), rural residents (aOR 1.7; CI 1.2-2.6), HIV co-infected (aOR 2.5; CI 1.7-3.6), not receiving antiretroviral therapy (aOR 1.6; CI 1.1-2.9), and not receiving cotrimoxazole prophylaxis (aOR 1.7; CI 1.2-2.6). Targeted interventions to improve treatment adherence for patients with the highest risk of default or death are urgently needed. This needs to be urgently addressed by the National Tuberculosis Programme. Copyright © 2014 Hainan Medical College. Published by Elsevier B.V. All rights reserved.

  16. Risk factors associated with default among tuberculosis patients in Darjeeling district of West Bengal, India.

    PubMed

    Roy, Nirmalya; Basu, Mausumi; Das, Sibasis; Mandal, Amitava; Dutt, Debashis; Dasgupta, Samir

    2015-01-01

    The treatment outcome "default" under Revised National Tuberculosis Control Program (RNTCP) is a patient who after treatment initiation has interrupted treatment consecutively for more than 2 months. To assess the timing, characteristics and distribution of the reasons for default with relation to some sociodemographic variables among new sputum-positive (NSP) tuberculosis (TB) patients in Darjeeling District, West Bengal. A case-control study was conducted in three tuberculosis units (TUs) of Darjeeling from August'2011 to December'2011 among NSP TB patients enrolled for treatment in the TB register from 1(st) Qtr'09 to 2(nd) Qtr'10. Patients defaulted from treatment were considered as "cases" and those completed treatment as "controls" (79 cases and 79 controls). The enrolled cases and controls were interviewed by the health workers using a predesigned structured pro-forma. Logistic regression analysis, odds ratios (OR), adjusted odds ratios (AOR). 75% of the default occurred in the intensive phase (IP); 54.24% retrieval action was done within 1 day during IP and 75% within 1 week during continuation phase (CP); cent percent of the documented retrieval actions were undertaken by the contractual TB program staffs. Most commonly cited reasons for default were alcohol consumption (29.11%), adverse effects of drugs (25.32%), and long distance of DOT center (21.52%). In the logistic regression analysis, the factors independently associated were consumption of alcohol, inadequate knowledge about TB, inadequate patient provider interaction, instances of missed doses, adverse reactions of anti-TB drugs, Government Directly Observed Treatment (DOT) provider and smoking. Most defaults occurred in the intensive phase; pre-treatment counseling and initial home visit play very important role in this regard. Proper counseling by health care workers in patient provider meeting is needed.

  17. Identifying a "default" visual search mode with operant conditioning.

    PubMed

    Kawahara, Jun-ichiro

    2010-09-01

    The presence of a singleton in a task-irrelevant domain can impair visual search. This impairment, known as the attentional capture depends on the set of participants. When narrowly searching for a specific feature (the feature search mode), only matching stimuli capture attention. When searching broadly (the singleton detection mode), any oddball captures attention. The present study examined which strategy represents the "default" mode using an operant conditioning approach in which participants were trained, in the absence of explicit instructions, to search for a target in an ambiguous context in which one of two modes was available. The results revealed that participants behaviorally adopted the singleton detection as the default mode but reported using the feature search mode. Conscious strategies did not eliminate capture. These results challenge the view that a conscious set always modulates capture, suggesting that the visual system tends to rely on stimulus salience to deploy attention.

  18. Dreaming and the default network: A review, synthesis, and counterintuitive research proposal.

    PubMed

    Domhoff, G William; Fox, Kieran C R

    2015-05-01

    This article argues that the default network, augmented by secondary visual and sensorimotor cortices, is the likely neural correlate of dreaming. This hypothesis is based on a synthesis of work on dream content, the findings on the contents and neural correlates of mind-wandering, and the results from EEG and neuroimaging studies of REM sleep. Relying on studies in the 1970s that serendipitously discovered episodes of dreaming during waking mind-wandering, this article presents the seemingly counterintuitive hypothesis that the neural correlates for dreaming could be further specified in the process of carrying out EEG/fMRI studies of mind-wandering and default network activity. This hypothesis could be tested by asking participants for experiential reports during moments of differentially high levels of default network activation, as indicated by mixed EEG/fMRI criteria. Evidence from earlier EEG/fMRI studies of mind-wandering and from laboratory studies of dreaming during the sleep-onset process is used to support the argument. Copyright © 2015 Elsevier Inc. All rights reserved.

  19. Hyperactivity and hyperconnectivity of the default network in schizophrenia and in first-degree relatives of persons with schizophrenia.

    PubMed

    Whitfield-Gabrieli, Susan; Thermenos, Heidi W; Milanovic, Snezana; Tsuang, Ming T; Faraone, Stephen V; McCarley, Robert W; Shenton, Martha E; Green, Alan I; Nieto-Castanon, Alfonso; LaViolette, Peter; Wojcik, Joanne; Gabrieli, John D E; Seidman, Larry J

    2009-01-27

    We examined the status of the neural network mediating the default mode of brain function, which typically exhibits greater activation during rest than during task, in patients in the early phase of schizophrenia and in young first-degree relatives of persons with schizophrenia. During functional MRI, patients, relatives, and controls alternated between rest and performance of working memory (WM) tasks. As expected, controls exhibited task-related suppression of activation in the default network, including medial prefrontal cortex (MPFC) and posterior cingulate cortex/precuneus. Patients and relatives exhibited significantly reduced task-related suppression in MPFC, and these reductions remained after controlling for performance. Increased task-related MPFC suppression correlated with better WM performance in patients and relatives and with less psychopathology in all 3 groups. For WM task performance, patients and relatives had greater activation in right dorsolateral prefrontal cortex (DLPFC) than controls. During rest and task, patients and relatives exhibited abnormally high functional connectivity within the default network. The magnitudes of default network connectivity during rest and task correlated with psychopathology in the patients. Further, during both rest and task, patients exhibited reduced anticorrelations between MPFC and DLPFC, a region that was hyperactivated by patients and relatives during WM performance. Among patients, the magnitude of MPFC task suppression negatively correlated with default connectivity, suggesting an association between the hyperactivation and hyperconnectivity in schizophrenia. Hyperactivation (reduced task-related suppression) of default regions and hyperconnectivity of the default network may contribute to disturbances of thought in schizophrenia and risk for the illness.

  20. Hyperactivity and hyperconnectivity of the default network in schizophrenia and in first-degree relatives of persons with schizophrenia

    PubMed Central

    Whitfield-Gabrieli, Susan; Thermenos, Heidi W.; Milanovic, Snezana; Tsuang, Ming T.; Faraone, Stephen V.; McCarley, Robert W.; Shenton, Martha E.; Green, Alan I.; Nieto-Castanon, Alfonso; LaViolette, Peter; Wojcik, Joanne; Gabrieli, John D. E.; Seidman, Larry J.

    2009-01-01

    We examined the status of the neural network mediating the default mode of brain function, which typically exhibits greater activation during rest than during task, in patients in the early phase of schizophrenia and in young first-degree relatives of persons with schizophrenia. During functional MRI, patients, relatives, and controls alternated between rest and performance of working memory (WM) tasks. As expected, controls exhibited task-related suppression of activation in the default network, including medial prefrontal cortex (MPFC) and posterior cingulate cortex/precuneus. Patients and relatives exhibited significantly reduced task-related suppression in MPFC, and these reductions remained after controlling for performance. Increased task-related MPFC suppression correlated with better WM performance in patients and relatives and with less psychopathology in all 3 groups. For WM task performance, patients and relatives had greater activation in right dorsolateral prefrontal cortex (DLPFC) than controls. During rest and task, patients and relatives exhibited abnormally high functional connectivity within the default network. The magnitudes of default network connectivity during rest and task correlated with psychopathology in the patients. Further, during both rest and task, patients exhibited reduced anticorrelations between MPFC and DLPFC, a region that was hyperactivated by patients and relatives during WM performance. Among patients, the magnitude of MPFC task suppression negatively correlated with default connectivity, suggesting an association between the hyperactivation and hyperconnectivity in schizophrenia. Hyperactivation (reduced task-related suppression) of default regions and hyperconnectivity of the default network may contribute to disturbances of thought in schizophrenia and risk for the illness. PMID:19164577

  1. Paying for Default: Change over Time in the Share of Federal Financial Aid Sent to Institutions with High Student Loan Default Rates

    ERIC Educational Resources Information Center

    Jaquette, Ozan; Hillman, Nicholas W.

    2015-01-01

    Both federal spending on financial aid and student loan default rates have increased over the past decade. These trends have intensified policymakers' concerns that some postsecondary institutions-- particularly in the for-profit sector--maximize revenue derived from federal financial aid without helping students to graduate or find employment.…

  2. Meditation experience is associated with differences in default mode network activity and connectivity

    PubMed Central

    Brewer, Judson A.; Worhunsky, Patrick D.; Gray, Jeremy R.; Tang, Yi-Yuan; Weber, Jochen; Kober, Hedy

    2011-01-01

    Many philosophical and contemplative traditions teach that “living in the moment” increases happiness. However, the default mode of humans appears to be that of mind-wandering, which correlates with unhappiness, and with activation in a network of brain areas associated with self-referential processing. We investigated brain activity in experienced meditators and matched meditation-naive controls as they performed several different meditations (Concentration, Loving-Kindness, Choiceless Awareness). We found that the main nodes of the default-mode network (medial prefrontal and posterior cingulate cortices) were relatively deactivated in experienced meditators across all meditation types. Furthermore, functional connectivity analysis revealed stronger coupling in experienced meditators between the posterior cingulate, dorsal anterior cingulate, and dorsolateral prefrontal cortices (regions previously implicated in self-monitoring and cognitive control), both at baseline and during meditation. Our findings demonstrate differences in the default-mode network that are consistent with decreased mind-wandering. As such, these provide a unique understanding of possible neural mechanisms of meditation. PMID:22114193

  3. Restriction to period of interest improves informative value of death certificate only proportions in period analysis of cancer survival.

    PubMed

    Brenner, Hermann; Jansen, Lina

    2015-12-01

    The proportion of cases registered by death certificates only (DCO) is a widely used indicator for potential bias in cancer survival studies. Period analysis is increasingly used to derive up-to-date cancer survival estimates. We aimed to assess whether reported DCO proportions should be restricted to the specific recent calendar period ("restricted period") or refer to all diagnosis years of included patients ("full period"). We assessed correlations of bias in period survival estimates resulting from DCO cases with DCO proportions in the restricted and full period, respectively. We used cancer registry data to simulate bias and DCO proportions resulting from various patterns of underreporting of deceased cases. We show results for six common cancers with very different prognosis and five different age groups. In all scenarios, the expected bias was highly correlated with expected DCO proportions in both periods, but correlations were consistently higher with DCO proportions in the restricted period. In period analyses of cancer survival, DCO proportions for the restricted period of specific interest are a better indicator of potential bias due to underreporting of deceased cases than DCO proportions for all years of diagnosis of included patients. Copyright © 2015 Elsevier Inc. All rights reserved.

  4. Liquidity crisis detection: An application of log-periodic power law structures to default prediction

    NASA Astrophysics Data System (ADS)

    Wosnitza, Jan Henrik; Denz, Cornelia

    2013-09-01

    We employ the log-periodic power law (LPPL) to analyze the late-2000 financial crisis from the perspective of critical phenomena. The main purpose of this study is to examine whether LPPL structures in the development of credit default swap (CDS) spreads can be used for default classification. Based on the different triggers of Bear Stearns’ near bankruptcy during the late-2000 financial crisis and Ford’s insolvency in 2009, this study provides a quantitative description of the mechanism behind bank runs. We apply the Johansen-Ledoit-Sornette (JLS) positive feedback model to explain the rise of financial institutions’ CDS spreads during the global financial crisis 2007-2009. This investigation is based on CDS spreads of 40 major banks over the period from June 2007 to April 2009 which includes a significant CDS spread increase. The qualitative data analysis indicates that the CDS spread variations have followed LPPL patterns during the global financial crisis. Furthermore, the univariate classification performances of seven LPPL parameters as default indicators are measured by Mann-Whitney U tests. The present study supports the hypothesis that discrete scale-invariance governs the dynamics of financial markets and suggests the application of new and fast updateable default indicators to capture the buildup of long-range correlations between creditors.

  5. 46 CFR 1.01-10 - Organization.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... coordinates the activities of the Operations Resource Management Directorate (CG-DCO-R), consisting of the Office of Workforce Management (CG-DCO-R-1), the Office of Budget Development (CG-DCO-R-2), the Office of... administrative control over the NMC detachments. (iii) The Director of Operations Resource Management (CG-DCO-R...

  6. Transradial Approach as a Default Route in Coronary Artery Interventions

    PubMed Central

    Kim, Jang-Young

    2011-01-01

    Advances in percutaneous coronary intervention (PCI) and peri-procedural potent antithrombotic treatments during the past decade have dramatically improved the outcomes of ischemic heart disease. The femoral artery is the vascular route used in PCI in most catheterization labs. However, when the femoral artery is used as the approaching vessel, local hemorrhagic complication is not rare in the era of potent antithrombotics. Recent studies have suggested that peri-procedural bleeding complications after PCI are associated with increased short- and long-term morbidity and mortality. On the other hand, there has been growing interest in transradial PCI due to rare complications at the puncture site, patient conveniences, early discharge and shortened hospitalization periods. Furthermore, the indications of transradial PCI are expanding to the complex lesion subsets due to the miniaturization of devices used, improvement of devices and techniques, and accumulated experience with the use of transradial PCI. In this review, we discuss the data of transradial PCI as a potential default route in coronary artery interventions, as well as other issues that may raise concerns with transradial PCI. PMID:21359061

  7. Transradial approach as a default route in coronary artery interventions.

    PubMed

    Kim, Jang-Young; Yoon, Junghan

    2011-01-01

    Advances in percutaneous coronary intervention (PCI) and peri-procedural potent antithrombotic treatments during the past decade have dramatically improved the outcomes of ischemic heart disease. The femoral artery is the vascular route used in PCI in most catheterization labs. However, when the femoral artery is used as the approaching vessel, local hemorrhagic complication is not rare in the era of potent antithrombotics. Recent studies have suggested that peri-procedural bleeding complications after PCI are associated with increased short- and long-term morbidity and mortality. On the other hand, there has been growing interest in transradial PCI due to rare complications at the puncture site, patient conveniences, early discharge and shortened hospitalization periods. Furthermore, the indications of transradial PCI are expanding to the complex lesion subsets due to the miniaturization of devices used, improvement of devices and techniques, and accumulated experience with the use of transradial PCI. In this review, we discuss the data of transradial PCI as a potential default route in coronary artery interventions, as well as other issues that may raise concerns with transradial PCI.

  8. Characteristics of Student Loan Defaulters among Different Racial and Ethnic Groups. AIR 1995 Annual Forum Paper.

    ERIC Educational Resources Information Center

    Volkwein, J. Fredericks; And Others

    This study examined the characteristics of students who default on their student loans and compared default among Whites, Asians, African Americans, Hispanics, and Native Americans. Four logistic regression models were developed using information from the National Post-Secondary Student Aid Study which contains an array of pre-college, college,…

  9. Semantically-enabled Knowledge Discovery in the Deep Carbon Observatory

    NASA Astrophysics Data System (ADS)

    Wang, H.; Chen, Y.; Ma, X.; Erickson, J. S.; West, P.; Fox, P. A.

    2013-12-01

    The Deep Carbon Observatory (DCO) is a decadal effort aimed at transforming scientific and public understanding of carbon in the complex deep earth system from the perspectives of Deep Energy, Deep Life, Extreme Physics and Chemistry, and Reservoirs and Fluxes. Over the course of the decade DCO scientific activities will generate a massive volume of data across a variety of disciplines, presenting significant challenges in terms of data integration, management, analysis and visualization, and ultimately limiting the ability of scientists across disciplines to make insights and unlock new knowledge. The DCO Data Science Team (DCO-DS) is applying Semantic Web methodologies to construct a knowledge representation focused on the DCO Earth science disciplines, and use it together with other technologies (e.g. natural language processing and data mining) to create a more expressive representation of the distributed corpus of DCO artifacts including datasets, metadata, instruments, sensors, platforms, deployments, researchers, organizations, funding agencies, grants and various awards. The embodiment of this knowledge representation is the DCO Data Science Infrastructure, in which unique entities within the DCO domain and the relations between them are recognized and explicitly identified. The DCO-DS Infrastructure will serve as a platform for more efficient and reliable searching, discovery, access, and publication of information and knowledge for the DCO scientific community and beyond.

  10. Patient Characteristics Associated with Tuberculosis Treatment Default: A Cohort Study in a High-Incidence Area of Lima, Peru.

    PubMed

    Lackey, Brian; Seas, Carlos; Van der Stuyft, Patrick; Otero, Larissa

    2015-01-01

    Although tuberculosis (TB) is usually curable with antibiotics, poor adherence to medication can lead to increased transmission, drug resistance, and death. Prior research has shown several factors to be associated with poor adherence, but this problem remains a substantial barrier to global TB control. We studied patients in a high-incidence district of Lima, Peru to identify factors associated with premature termination of treatment (treatment default). We conducted a prospective cohort study of adult smear-positive TB patients enrolled between January 2010 and December 2011 with no history of TB disease. Descriptive statistics and multivariable logistic regression analyses were performed to determine risk factors associated with treatment default. Of the 1233 patients studied, 127 (10%) defaulted from treatment. Patients who defaulted were more likely to have used illegal drugs (OR = 4.78, 95% CI: 3.05-7.49), have multidrug-resistant TB (OR = 3.04, 95% CI: 1.58-5.85), not have been tested for HIV (OR = 2.30, 95% CI: 1.50-3.54), drink alcohol at least weekly (OR = 2.22, 95% CI: 1.40-3.52), be underweight (OR = 2.08, 95% CI: 1.21-3.56), or not have completed secondary education (OR = 1.55, 95% CI: 1.03-2.33). Our study identified several factors associated with defaulting from treatment, suggesting a complex set of causes that might lead to default. Addressing these factors individually would be difficult, but they might help to identify certain high-risk patients for supplemental intervention prior to treatment interruption. Treatment adherence remains a barrier to successful TB care and reducing the frequency of default is important for both the patients' health and the health of the community.

  11. Default Options In Advance Directives Influence How Patients Set Goals For End-Of-Life Care

    PubMed Central

    Halpern, Scott D.; Loewenstein, George; Volpp, Kevin G.; Cooney, Elizabeth; Vranas, Kelly; Quill, Caroline M.; Mckenzie, Mary S.; Harhay, Michael O.; Gabler, Nicole B.; Silva, Tatiana; Arnold, Robert; Angus, Derek C.; Bryce, Cindy

    2015-01-01

    Although decisions regarding end-of-life care are personal and important, they may be influenced by the ways in which options are presented. To test this hypothesis, we randomly assigned 132 seriously ill patients to complete one of three types of advance directives. Two types had end-of-life care options already checked—a default choice—but one of these favored comfort-oriented care, and the other, life-extending care. The third type was a standard advance directive with no options checked. We found that most patients preferred comfort-oriented care, but the defaults influenced those choices. For example, 77 percent of patients in the comfort-oriented group retained that choice, while 43 percent of those in the life-extending group rejected the default choice and selected comfort-oriented care instead. Among the standard advance directive group, 61 percent of patients selected comfort-oriented care. Our findings suggest that patients may not hold deep-seated preferences regarding end-of-life care. The findings provide motivation for future research examining whether using default options in advance directives may improve important outcomes, including patients’ receipt of wanted and unwanted services, resource use, survival, and quality of life. PMID:23381535

  12. Patient- and provider-level risk factors associated with default from tuberculosis treatment, South Africa, 2002: a case-control study

    PubMed Central

    2012-01-01

    Background Persons who default from tuberculosis treatment are at risk for clinical deterioration and complications including worsening drug resistance and death. Our objective was to identify risk factors associated with tuberculosis (TB) treatment default in South Africa. Methods We conducted a national retrospective case control study to identify factors associated with treatment default using program data from 2002 and a standardized patient questionnaire. We defined default as interrupting TB treatment for two or more consecutive months during treatment. Cases were a sample of registered TB patients receiving treatment under DOTS that defaulted from treatment. Controls were those who began therapy and were cured, completed or failed treatment. Two respective multivariable models were constructed, stratified by history of TB treatment (new and re-treatment patients), to identify independent risk factors associated with default. Results The sample included 3165 TB patients from 8 provinces; 1164 were traceable and interviewed (232 cases and 932 controls). Significant risk factors associated with default among both groups included poor health care worker attitude (new: AOR 2.1, 95% CI 1.1-4.4; re-treatment: AOR 12, 95% CI 2.2-66.0) and changing residence during TB treatment (new: AOR 2.0, 95% CI 1.1-3.7; re-treatment: AOR 3.4, 95% CI 1.1-9.9). Among new patients, cases were more likely than controls to report having no formal education (AOR 2.3, 95% CI 1.2-4.2), feeling ashamed to have TB (AOR 2.0, 95% CI 1.3-3.0), not receiving adequate counseling about their treatment (AOR 1.9, 95% CI 1.2-2.8), drinking any alcohol during TB treatment (AOR 1.9, 95% CI 1.2-3.0), and seeing a traditional healer during TB treatment (AOR 1.9, 95% CI 1.1-3.4). Among re-treatment patients, risk factors included stopping TB treatment because they felt better (AOR 21, 95% CI 5.2-84), having a previous history of TB treatment default (AOR 6.4, 95% CI 2.9-14), and feeling that food

  13. Patient- and provider-level risk factors associated with default from tuberculosis treatment, South Africa, 2002: a case-control study.

    PubMed

    Finlay, Alyssa; Lancaster, Joey; Holtz, Timothy H; Weyer, Karin; Miranda, Abe; van der Walt, Martie

    2012-01-20

    Persons who default from tuberculosis treatment are at risk for clinical deterioration and complications including worsening drug resistance and death. Our objective was to identify risk factors associated with tuberculosis (TB) treatment default in South Africa. We conducted a national retrospective case control study to identify factors associated with treatment default using program data from 2002 and a standardized patient questionnaire. We defined default as interrupting TB treatment for two or more consecutive months during treatment. Cases were a sample of registered TB patients receiving treatment under DOTS that defaulted from treatment. Controls were those who began therapy and were cured, completed or failed treatment. Two respective multivariable models were constructed, stratified by history of TB treatment (new and re-treatment patients), to identify independent risk factors associated with default. The sample included 3165 TB patients from 8 provinces; 1164 were traceable and interviewed (232 cases and 932 controls). Significant risk factors associated with default among both groups included poor health care worker attitude (new: AOR 2.1, 95% CI 1.1-4.4; re-treatment: AOR 12, 95% CI 2.2-66.0) and changing residence during TB treatment (new: AOR 2.0, 95% CI 1.1-3.7; re-treatment: AOR 3.4, 95% CI 1.1-9.9). Among new patients, cases were more likely than controls to report having no formal education (AOR 2.3, 95% CI 1.2-4.2), feeling ashamed to have TB (AOR 2.0, 95% CI 1.3-3.0), not receiving adequate counseling about their treatment (AOR 1.9, 95% CI 1.2-2.8), drinking any alcohol during TB treatment (AOR 1.9, 95% CI 1.2-3.0), and seeing a traditional healer during TB treatment (AOR 1.9, 95% CI 1.1-3.4). Among re-treatment patients, risk factors included stopping TB treatment because they felt better (AOR 21, 95% CI 5.2-84), having a previous history of TB treatment default (AOR 6.4, 95% CI 2.9-14), and feeling that food provisions might have helped

  14. Alcohol, Hospital Discharge, and Socioeconomic Risk Factors for Default from Multidrug Resistant Tuberculosis Treatment in Rural South Africa: A Retrospective Cohort Study

    PubMed Central

    Kendall, Emily A.; Theron, Danie; Franke, Molly F.; van Helden, Paul; Victor, Thomas C.; Murray, Megan B.; Warren, Robin M.; Jacobson, Karen R.

    2013-01-01

    Background Default from multidrug-resistant tuberculosis (MDR-TB) treatment remains a major barrier to cure and epidemic control. We sought to identify patient risk factors for default from MDR-TB treatment and high-risk time periods for default in relation to hospitalization and transition to outpatient care. Methods We retrospectively analyzed a cohort of 225 patients who initiated MDR-TB treatment between 2007 through 2010 at a rural TB hospital in the Western Cape Province, South Africa. Results Fifty percent of patients were cured or completed treatment, 27% defaulted, 14% died, 4% failed treatment, and 5% transferred out. Recent alcohol use was common (63% of patients). In multivariable proportional hazards regression, older age (hazard ratio [HR]= 0.97 [95% confidence interval 0.94-0.99] per year of greater age), formal housing (HR=0.38 [0.19-0.78]), and steady employment (HR=0.41 [0.19-0.90]) were associated with decreased risk of default, while recent alcohol use (HR=2.1 [1.1-4.0]), recent drug use (HR=2.0 [1.0-3.6]), and Coloured (mixed ancestry) ethnicity (HR=2.3 [1.1-5.0]) were associated with increased risk of default (P<0.05). Defaults occurred throughout the first 18 months of the two-year treatment course but were especially frequent among alcohol users after discharge from the initial four-to-five-month in-hospital phase of treatment, with the highest default rates occurring among alcohol users within two months of discharge. Default rates during the first two months after discharge were also elevated for patients who received care from mobile clinics. Conclusions Among patients who were not cured or did not complete MDR-TB treatment, the majority defaulted from treatment. Younger, economically-unstable patients and alcohol and drug users were particularly at risk. For alcohol users as well as mobile-clinic patients, the early outpatient treatment phase is a high-risk period for default that could be targeted in efforts to increase treatment

  15. Alcohol, hospital discharge, and socioeconomic risk factors for default from multidrug resistant tuberculosis treatment in rural South Africa: a retrospective cohort study.

    PubMed

    Kendall, Emily A; Theron, Danie; Franke, Molly F; van Helden, Paul; Victor, Thomas C; Murray, Megan B; Warren, Robin M; Jacobson, Karen R

    2013-01-01

    Default from multidrug-resistant tuberculosis (MDR-TB) treatment remains a major barrier to cure and epidemic control. We sought to identify patient risk factors for default from MDR-TB treatment and high-risk time periods for default in relation to hospitalization and transition to outpatient care. We retrospectively analyzed a cohort of 225 patients who initiated MDR-TB treatment between 2007 through 2010 at a rural TB hospital in the Western Cape Province, South Africa. Fifty percent of patients were cured or completed treatment, 27% defaulted, 14% died, 4% failed treatment, and 5% transferred out. Recent alcohol use was common (63% of patients). In multivariable proportional hazards regression, older age (hazard ratio [HR]= 0.97 [95% confidence interval 0.94-0.99] per year of greater age), formal housing (HR=0.38 [0.19-0.78]), and steady employment (HR=0.41 [0.19-0.90]) were associated with decreased risk of default, while recent alcohol use (HR=2.1 [1.1-4.0]), recent drug use (HR=2.0 [1.0-3.6]), and Coloured (mixed ancestry) ethnicity (HR=2.3 [1.1-5.0]) were associated with increased risk of default (P<0.05). Defaults occurred throughout the first 18 months of the two-year treatment course but were especially frequent among alcohol users after discharge from the initial four-to-five-month in-hospital phase of treatment, with the highest default rates occurring among alcohol users within two months of discharge. Default rates during the first two months after discharge were also elevated for patients who received care from mobile clinics. Among patients who were not cured or did not complete MDR-TB treatment, the majority defaulted from treatment. Younger, economically-unstable patients and alcohol and drug users were particularly at risk. For alcohol users as well as mobile-clinic patients, the early outpatient treatment phase is a high-risk period for default that could be targeted in efforts to increase treatment completion rates.

  16. 27 CFR 24.276 - Prepayment of tax; proprietor in default.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ...)) (Approved by the Office of Management and Budget under control numbers 1512-0467 and 1512-0492) [T.D. ATF... default will be in cash, or will be in the form of a certified, cashier's, or treasurer's check drawn on...

  17. Assigning Robust Default Values in Building Performance Simulation Software for Improved Decision-Making in the Initial Stages of Building Design.

    PubMed

    Hiyama, Kyosuke

    2015-01-01

    Applying data mining techniques on a database of BIM models could provide valuable insights in key design patterns implicitly present in these BIM models. The architectural designer would then be able to use previous data from existing building projects as default values in building performance simulation software for the early phases of building design. The author has proposed the method to minimize the magnitude of the variation in these default values in subsequent design stages. This approach maintains the accuracy of the simulation results in the initial stages of building design. In this study, a more convincing argument is presented to demonstrate the significance of the new method. The variation in the ideal default values for different building design conditions is assessed first. Next, the influence of each condition on these variations is investigated. The space depth is found to have a large impact on the ideal default value of the window to wall ratio. In addition, the presence or absence of lighting control and natural ventilation has a significant influence on the ideal default value. These effects can be used to identify the types of building conditions that should be considered to determine the ideal default values.

  18. Reduced Exercise Tolerance and Pulmonary Capillary Recruitment with Remote Secondhand Smoke Exposure

    PubMed Central

    Arjomandi, Mehrdad; Haight, Thaddeus; Sadeghi, Nasrat; Redberg, Rita; Gold, Warren M.

    2012-01-01

    Rationale Flight attendants who worked on commercial aircraft before the smoking ban in flights (pre-ban FAs) were exposed to high levels of secondhand smoke (SHS). We previously showed never-smoking pre-ban FAs to have reduced diffusing capacity (Dco) at rest. Methods To determine whether pre-ban FAs increase their Dco and pulmonary blood flow () during exercise, we administered a symptom-limited supine-posture progressively increasing cycle exercise test to determine the maximum work (watts) and oxygen uptake () achieved by FAs. After 30 min rest, we then measured Dco and at 20, 40, 60, and 80 percent of maximum observed work. Results The FAs with abnormal resting Dco achieved a lower level of maximum predicted work and compared to those with normal resting Dco (mean±SEM; 88.7±2.9 vs. 102.5±3.1%predicted ; p = 0.001). Exercise limitation was associated with the FAs' FEV1 (r = 0.33; p = 0.003). The Dco increased less with exercise in those with abnormal resting Dco (mean±SEM: 1.36±0.16 vs. 1.90±0.16 ml/min/mmHg per 20% increase in predicted watts; p = 0.020), and amongst all FAs, the increase with exercise seemed to be incrementally lower in those with lower resting Dco. Exercise-induced increase in was not different in the two groups. However, the FAs with abnormal resting Dco had less augmentation of their Dco with increase in during exercise (mean±SEM: 0.93±0.06 vs. 1.47±0.09 ml/min/mmHg per L/min; p<0.0001). The Dco during exercise was inversely associated with years of exposure to SHS in those FAs with ≥10 years of pre-ban experience (r = −0.32; p = 0.032). Conclusions This cohort of never-smoking FAs with SHS exposure showed exercise limitation based on their resting Dco. Those with lower resting Dco had reduced pulmonary capillary recruitment. Exposure to SHS in the aircraft cabin seemed to be a predictor for lower Dco during exercise. PMID:22493689

  19. Patient Characteristics Associated with Tuberculosis Treatment Default: A Cohort Study in a High-Incidence Area of Lima, Peru

    PubMed Central

    Lackey, Brian; Seas, Carlos; Van der Stuyft, Patrick; Otero, Larissa

    2015-01-01

    Background Although tuberculosis (TB) is usually curable with antibiotics, poor adherence to medication can lead to increased transmission, drug resistance, and death. Prior research has shown several factors to be associated with poor adherence, but this problem remains a substantial barrier to global TB control. We studied patients in a high-incidence district of Lima, Peru to identify factors associated with premature termination of treatment (treatment default). Methods We conducted a prospective cohort study of adult smear-positive TB patients enrolled between January 2010 and December 2011 with no history of TB disease. Descriptive statistics and multivariable logistic regression analyses were performed to determine risk factors associated with treatment default. Results Of the 1233 patients studied, 127 (10%) defaulted from treatment. Patients who defaulted were more likely to have used illegal drugs (OR = 4.78, 95% CI: 3.05-7.49), have multidrug-resistant TB (OR = 3.04, 95% CI: 1.58-5.85), not have been tested for HIV (OR = 2.30, 95% CI: 1.50-3.54), drink alcohol at least weekly (OR = 2.22, 95% CI: 1.40-3.52), be underweight (OR = 2.08, 95% CI: 1.21-3.56), or not have completed secondary education (OR = 1.55, 95% CI: 1.03-2.33). Conclusions Our study identified several factors associated with defaulting from treatment, suggesting a complex set of causes that might lead to default. Addressing these factors individually would be difficult, but they might help to identify certain high-risk patients for supplemental intervention prior to treatment interruption. Treatment adherence remains a barrier to successful TB care and reducing the frequency of default is important for both the patients’ health and the health of the community. PMID:26046766

  20. Factors Associated with Tuberculosis Treatment Default in an Endemic Area of the Brazilian Amazon: A Case Control-Study

    PubMed Central

    Garrido, Marlucia da Silva; Penna, Maria Lucia; Perez-Porcuna, Tomàs M.; de Souza, Alexandra Brito; Marreiro, Leni da Silva; Albuquerque, Bernardino Claudio; Martínez-Espinosa, Flor Ernestina; Bührer-Sékula, Samira

    2012-01-01

    Setting Treatment default is a serious problem in tuberculosis control because it implies persistence of infection source, increased mortality, increased relapse rates and facilitates the development of resistant strains. Objective This study analyzed tuberculosis treatment default determinants in the Amazonas State to contribute in planning appropriate control interventions. Design Observational study with a retrospective cohort using Brazilian Disease Notification System data from 2005 to 2010. A nested case control study design was used. Patients defaulting from treatment were considered as ‘cases’ and those completing treatment as ‘controls’. In the analysis, 11,312 tuberculosis patients were included, 1,584 cases and 9,728 controls. Results Treatment default was observed to be associated to previous default (aOR 3.20; p<0.001), HIV positivity (aOR 1.62; p<0.001), alcoholism (aOR 1.51; p<0.001), low education level (aOR 1.35; p<0.001) and other co-morbidities (aOR 1.31; p = 0.05). Older patients (aOR 0.98; p = 0.001) and DOT (aOR 0,72; p<0.01) were considered as protective factor for default. Conclusions Associated factors should be considered in addressing care and policy actions to tuberculosis control. Information on disease and treatment should be intensified and appropriate to the level of education of the population, in order to promote adherence to treatment and counter the spread of multidrug resistance to anti-TB drugs. PMID:22720052

  1. Analyzing spacecraft configurations through specialization and default reasoning

    NASA Technical Reports Server (NTRS)

    Barry, Matthew R.; Lowe, Carlyle M.

    1990-01-01

    For an intelligent system to describe a real-world situation using as few statements as possible, it is necessary to make inferences based on observed data and to incorporate general knowledge of the reasoning domain into the description. These reasoning processes must reduce several levels of specific descriptions into only those few that most precisely describe the situation. Moreover, the system must be able to generate descriptions in the absence of data, as instructed by certain rules of inference. The deductions applied by the system, then, generate a high-level description from the low-level evidence provided by the real and default data sources. An implementation of these ideas in a real-world situation is described. The application concerns evaluation of Space Shuttle electromechanical system configurations by console operators in the Mission Control Center. A production system provides the reasoning mechanism through which the default assignments and specializations occur. Examples are provided within this domain for each type of inference, and the suitability is discussed of each toward achieving the goal of describing a situation in the fewest statements possible. Finally, several enhancements are suggested that will further increase the intelligence of similar spacecraft monitoring applications.

  2. DPPP: Default Pre-Processing Pipeline

    NASA Astrophysics Data System (ADS)

    van Diepen, Ger; Dijkema, Tammo Jan

    2018-04-01

    DPPP (Default Pre-Processing Pipeline, also referred to as NDPPP) reads and writes radio-interferometric data in the form of Measurement Sets, mainly those that are created by the LOFAR telescope. It goes through visibilities in time order and contains standard operations like averaging, phase-shifting and flagging bad stations. Between the steps in a pipeline, the data is not written to disk, making this tool suitable for operations where I/O dominates. More advanced procedures such as gain calibration are also included. Other computing steps can be provided by loading a shared library; currently supported external steps are the AOFlagger (ascl:1010.017) and a bridge that enables loading python steps.

  3. 'Sputnik': a programmatic approach to improve tuberculosis treatment adherence and outcome among defaulters.

    PubMed

    Gelmanova, I Y; Taran, D V; Mishustin, S P; Golubkov, A A; Solovyova, A V; Keshavjee, S

    2011-10-01

    A novel patient-centered tuberculosis (TB) treatment delivery program, 'Sputnik', was introduced for patients at high risk of treatment default in Tomsk City, Russian Federation. To assess the effects of the Sputnik intervention on patient default rates. We analyzed the characteristics of patients referred to the program, treatment adherence of Sputnik program enrollees before and during the intervention, and final outcomes for all patients referred to the Sputnik program. For patients continuing their existing regimens after referral to the program (n = 46), mean adherence to treatment increased by 56% (from 52% of prescribed doses prior to enrolment to 81%). For patients initiating new regimens after referral ( n = 5), mean adherence was 83%. Mean adherence for patients with multidrug-resistant TB (MDR-TB; n = 38) was 79% and for all others (n = 13) it was 89%. The cure rate was 71.1% for patients with MDR-TB, 60% for all others and 68% in the program overall. The Sputnik intervention was successful in reducing rates of treatment default among patients at high risk for non-adherence.

  4. q-Gaussian distributions of leverage returns, first stopping times, and default risk valuations

    NASA Astrophysics Data System (ADS)

    Katz, Yuri A.; Tian, Li

    2013-10-01

    We study the probability distributions of daily leverage returns of 520 North American industrial companies that survive de-listing during the financial crisis, 2006-2012. We provide evidence that distributions of unbiased leverage returns of all individual firms belong to the class of q-Gaussian distributions with the Tsallis entropic parameter within the interval 1default. Derived exact analytical expressions for the probability distribution of a first stopping time and its intensity forecast significantly higher probability of default and much wider credit spreads at short time-horizons. Our findings are broadly consistent with the results of empirical studies in equity markets and are essential for single-name default forecasting as well as valuations of portfolio credit risk and economic capital, which might be underestimated by a classic theory of diversified portfolio optimization.

  5. Temporal lobe and "default" hemodynamic brain modes discriminate between schizophrenia and bipolar disorder.

    PubMed

    Calhoun, Vince D; Maciejewski, Paul K; Pearlson, Godfrey D; Kiehl, Kent A

    2008-11-01

    Schizophrenia and bipolar disorder are currently diagnosed on the basis of psychiatric symptoms and longitudinal course. The determination of a reliable, biologically-based diagnostic indicator of these diseases (a biomarker) could provide the groundwork for developing more rigorous tools for differential diagnosis and treatment assignment. Recently, methods have been used to identify distinct sets of brain regions or "spatial modes" exhibiting temporally coherent brain activity. Using functional magnetic resonance imaging (fMRI) data and a multivariate analysis method, independent component analysis, we combined the temporal lobe and the default modes to discriminate subjects with bipolar disorder, chronic schizophrenia, and healthy controls. Temporal lobe and default mode networks were reliably identified in all participants. Classification results on an independent set of individuals revealed an average sensitivity and specificity of 90 and 95%, respectively. The use of coherent brain networks such as the temporal lobe and default mode networks may provide a more reliable measure of disease state than task-correlated fMRI activity. A combination of two such hemodynamic brain networks shows promise as a biomarker for schizophrenia and bipolar disorder.

  6. 40 CFR Table Nn-1 to Subpart Hh of... - Default Factors for Calculation Methodology 1 of This Subpart

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... Calculation Methodology 1 of This Subpart Fuel Default high heating value factor Default CO2 emission factor (kg CO2/MMBtu) Natural Gas 1.028 MMBtu/Mscf 53.02 Propane 3.822 MMBtu/bbl 61.46 Normal butane 4.242...

  7. 40 CFR Table Nn-1 to Subpart Hh of... - Default Factors for Calculation Methodology 1 of This Subpart

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... Calculation Methodology 1 of This Subpart Fuel Default high heating value factor Default CO2 emission factor (kg CO2/MMBtu) Natural Gas 1.028 MMBtu/Mscf 53.02 Propane 3.822 MMBtu/bbl 61.46 Normal butane 4.242...

  8. 40 CFR Table Nn-1 to Subpart Hh of... - Default Factors for Calculation Methodology 1 of This Subpart

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... Calculation Methodology 1 of This Subpart Fuel Default high heating value factor Default CO2 emission factor (kg CO2/MMBtu) Natural Gas 1.028 MMBtu/Mscf 53.02 Propane 3.822 MMBtu/bbl 61.46 Normal butane 4.242...

  9. 48 CFR 1649.101-72 - FEHBP termination for default clause.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 48 Federal Acquisition Regulations System 6 2014-10-01 2014-10-01 false FEHBP termination for default clause. 1649.101-72 Section 1649.101-72 Federal Acquisition Regulations System OFFICE OF PERSONNEL MANAGEMENT FEDERAL EMPLOYEES HEALTH BENEFITS ACQUISITION REGULATION CONTRACT MANAGEMENT TERMINATION OF...

  10. 48 CFR 1649.101-72 - FEHBP termination for default clause.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 48 Federal Acquisition Regulations System 6 2013-10-01 2013-10-01 false FEHBP termination for default clause. 1649.101-72 Section 1649.101-72 Federal Acquisition Regulations System OFFICE OF PERSONNEL MANAGEMENT FEDERAL EMPLOYEES HEALTH BENEFITS ACQUISITION REGULATION CONTRACT MANAGEMENT TERMINATION OF...

  11. 48 CFR 1649.101-72 - FEHBP termination for default clause.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 48 Federal Acquisition Regulations System 6 2012-10-01 2012-10-01 false FEHBP termination for default clause. 1649.101-72 Section 1649.101-72 Federal Acquisition Regulations System OFFICE OF PERSONNEL MANAGEMENT FEDERAL EMPLOYEES HEALTH BENEFITS ACQUISITION REGULATION CONTRACT MANAGEMENT TERMINATION OF...

  12. 48 CFR 1649.101-72 - FEHBP termination for default clause.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 48 Federal Acquisition Regulations System 6 2011-10-01 2011-10-01 false FEHBP termination for default clause. 1649.101-72 Section 1649.101-72 Federal Acquisition Regulations System OFFICE OF PERSONNEL MANAGEMENT FEDERAL EMPLOYEES HEALTH BENEFITS ACQUISITION REGULATION CONTRACT MANAGEMENT TERMINATION OF...

  13. The Hippo effector Yorkie controls normal tissue growth by antagonizing scalloped-mediated default repression.

    PubMed

    Koontz, Laura M; Liu-Chittenden, Yi; Yin, Feng; Zheng, Yonggang; Yu, Jianzhong; Huang, Bo; Chen, Qian; Wu, Shian; Pan, Duojia

    2013-05-28

    The Hippo tumor suppressor pathway restricts tissue growth by inactivating the transcriptional coactivator Yki. Although Sd has been implicated as a DNA-binding transcription factor partner for Yki and can genetically account for gain-of-function Yki phenotypes, how Yki regulates normal tissue growth remains a long-standing puzzle because Sd, unlike Yki, is dispensable for normal growth in most Drosophila tissues. Here we show that the yki mutant phenotypes in multiple developmental contexts are rescued by inactivation of Sd, suggesting that Sd functions as a default repressor and that Yki promotes normal tissue growth by relieving Sd-mediated default repression. We further identify Tgi as a cofactor involved in Sd's default repressor function and demonstrate that the mammalian ortholog of Tgi potently suppresses the YAP oncoprotein in transgenic mice. These findings fill a major gap in Hippo-mediated transcriptional regulation and open up possibilities for modulating the YAP oncoprotein in cancer and regenerative medicine. Copyright © 2013 Elsevier Inc. All rights reserved.

  14. 34 CFR 668.184 - Determining cohort default rates for institutions that have undergone a change in status.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... applicable to the other institution under §§ 668.185 and 668.189. (b) Acquisition or merger of institutions... participated independently in the Title IV, HEA programs immediately before the acquisition or merger— (1) For the cohort default rates published before the date of the acquisition or merger, your cohort default...

  15. 34 CFR 668.203 - Determining cohort default rates for institutions that have undergone a change in status.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... applicable to the other institution under §§ 668.204 and 668.208. (b) Acquisition or merger of institutions... participated independently in the Title IV, HEA programs immediately before the acquisition or merger— (1) For the cohort default rates published before the date of the acquisition or merger, your cohort default...

  16. 29 CFR 102.179 - Motions for default judgment, summary judgment, or dismissal referred to Chief Administrative Law...

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... Administrative Law Judge. During any period when the Board lacks a quorum, all motions for default judgment... 29 Labor 2 2012-07-01 2012-07-01 false Motions for default judgment, summary judgment, or dismissal referred to Chief Administrative Law Judge. 102.179 Section 102.179 Labor Regulations Relating to...

  17. 29 CFR 102.179 - Motions for default judgment, summary judgment, or dismissal referred to Chief Administrative Law...

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... Administrative Law Judge. During any period when the Board lacks a quorum, all motions for default judgment... 29 Labor 2 2014-07-01 2014-07-01 false Motions for default judgment, summary judgment, or dismissal referred to Chief Administrative Law Judge. 102.179 Section 102.179 Labor Regulations Relating to...

  18. 29 CFR 102.179 - Motions for default judgment, summary judgment, or dismissal referred to Chief Administrative Law...

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... Administrative Law Judge. During any period when the Board lacks a quorum, all motions for default judgment... 29 Labor 2 2013-07-01 2013-07-01 false Motions for default judgment, summary judgment, or dismissal referred to Chief Administrative Law Judge. 102.179 Section 102.179 Labor Regulations Relating to...

  19. Federal Student Loans: Better Oversight Could Improve Defaulted Loan Rehabilitation. Report to Congressional Requesters. GAO-14-256

    ERIC Educational Resources Information Center

    Emrey-Arras, Melissa

    2014-01-01

    The Department of Education (Education) relies on collection agencies to assist borrowers in rehabilitating defaulted student loans, which allows borrowers who make nine on-time monthly payments within 10 months to have the default removed from their credit reports. Education works with 22 collection agencies to locate borrowers and explain…

  20. The Synchronization within and Interaction between the Default and Dorsal Attention Networks in Early Infancy

    PubMed Central

    Gilmore, John H.; Shen, Dinggang; Smith, Jeffery Keith; Zhu, Hongtu

    2013-01-01

    An anticorrelated interaction between the dorsal attention and the default-mode networks has been observed, although how these 2 networks establish such relationship remains elusive. Behavioral studies have reported the emergence of attention and default network–related functions and a preliminary competing relationship between them at early infancy. This study attempted to test the hypothesis—resting-state functional magnetic resonance imaging will demonstrate not only improved network synchronization of the dorsal attention and the default networks, respectively, during the first 2 years of life but also an anticorrelated network interaction pattern between the 2 networks at 1 year which will be further enhanced at 2 years old. Our results demonstrate that both networks start from an isolated region in neonates but evolve to highly synchronized networks at 1 year old. Paralleling the individual network maturation process, the anticorrelated behaviors are absent at birth but become apparent at 1 year and are further enhanced during the second year of life. Our studies elucidate not only the individual maturation process of the dorsal attention and default networks but also offer evidence that the maturation of the individual networks may be needed prior exhibiting the adult-like interaction patterns between the 2 networks. PMID:22368080

  1. Assigning Robust Default Values in Building Performance Simulation Software for Improved Decision-Making in the Initial Stages of Building Design

    PubMed Central

    2015-01-01

    Applying data mining techniques on a database of BIM models could provide valuable insights in key design patterns implicitly present in these BIM models. The architectural designer would then be able to use previous data from existing building projects as default values in building performance simulation software for the early phases of building design. The author has proposed the method to minimize the magnitude of the variation in these default values in subsequent design stages. This approach maintains the accuracy of the simulation results in the initial stages of building design. In this study, a more convincing argument is presented to demonstrate the significance of the new method. The variation in the ideal default values for different building design conditions is assessed first. Next, the influence of each condition on these variations is investigated. The space depth is found to have a large impact on the ideal default value of the window to wall ratio. In addition, the presence or absence of lighting control and natural ventilation has a significant influence on the ideal default value. These effects can be used to identify the types of building conditions that should be considered to determine the ideal default values. PMID:26090512

  2. Optimal Defaults in the Prevention of Pediatric Obesity: From Platform to Practice

    PubMed Central

    Radnitz, Cynthia; Loeb, Katharine L; DiMatteo, Julie; Keller, Kathleen L.; Zucker, Nancy; Schwartz, Marlene B.

    2014-01-01

    The term “optimal defaults” refers to imparting pre-selected choices which are designed to produce a desired behavior change. The concept is attractive to policymakers because it steers people toward desirable behaviors while preserving free choice through the ability to opt out. It has been found to be a powerful behavioral determinant in areas such as pension plan enrollment, organ donation, and green energy utilization. We discuss how optimal defaults can be applied to pediatric obesity prevention in several domains including public policy, institutional, private sector, and home environment. Although there are obstacles to overcome in implementing optimal defaults, it is a promising component to incorporate in a multi-level strategy for preventing pediatric obesity. PMID:25328903

  3. 24 CFR 266.636 - Insuring new loans for defaulted projects.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... AUTHORITIES HOUSING FINANCE AGENCY RISK-SHARING PROGRAM FOR INSURED AFFORDABLE MULTIFAMILY PROJECT LOANS Contract Rights and Obligations Claim Procedures § 266.636 Insuring new loans for defaulted projects. The... projects. 266.636 Section 266.636 Housing and Urban Development Regulations Relating to Housing and Urban...

  4. A Default Option to Enhance Nutrition Within Financial Constraints: A Randomized, Controlled Proof-of-Principle Trial.

    PubMed

    Coffino, Jaime A; Hormes, Julia M

    2018-06-01

    This study aimed to examine the feasibility and initial efficacy of a novel default option intervention targeting nutritional quality of online grocery purchases within the financial constraints of food insecurity. Female undergraduates (n = 59) without eating disorder symptoms or dietary restrictions selected foods online with a budget corresponding to maximum Supplemental Nutrition Assistance Program benefits. Before completing the task again, participants were randomly assigned to receive a $10 incentive for selecting nutritious groceries (n = 17), education about nutrition (n = 24), or a default online shopping cart containing a nutritionally balanced selection of groceries (n = 18) to which they could make changes. Nutritional quality was quantified by using the Thrifty Food Plan Calculator. Compared with the education condition, participants in the default condition selected significantly more whole grains and fruits and foods lower in cholesterol, saturated fats, sodium, and overall calories. There were no statistically significant differences in nutritional outcomes between the incentive condition and the other two groups. Findings provide initial support for the efficacy of a default option in facilitating healthier food choice behaviors within financial constraints. © 2018 The Obesity Society.

  5. [Factor structure of regional CBF and CMRglu values as a tool for the study of default mode of the brain].

    PubMed

    Kataev, G V; Korotkov, A D; Kireev, M V; Medvedev, S V

    2013-01-01

    In the present article it was shown that the functional connectivity of brain structures, revealed by factor analysis of resting PET CBF and rCMRglu data, is an adequate tool to study the default mode of the human brain. The identification of neuroanatomic systems of default mode (default mode network) during routine clinical PET investigations is important for further studying the functional organization of the normal brain and its reorganizations in pathological conditions.

  6. Effect of default menus on food selection and consumption in a college dining hall simulation study.

    PubMed

    Radnitz, Cynthia; Loeb, Katharine L; Keller, Kathleen L; Boutelle, Kerri; Schwartz, Marlene B; Todd, Lauren; Marcus, Sue

    2018-05-01

    To test an obesity prevention strategy derived from behavioural economics (optimal defaults plus delay), focused on changing the college dining hall service method. After a uniform pre-load, participants attended an experimental lunch in groups randomized to one of three conditions: a nutrient-dense, lower-fat/energy lunch as an optimal default (OD); a less-nutrient-dense, higher-fat/energy lunch as a suboptimal default (SD); or a free array (FA) lunch. In the OD condition, students were presented a menu depicting healthier vegetarian and omnivore foods as default, with opt-out alternatives (SD menu) available on request with a 15 min wait. In the SD condition, the same menu format was used with the positioning of food items switched. In the FA condition, all choices were presented in uniform fonts and were available immediately. Private rooms designed to provide a small version of a college dining hall, on two campuses of a Northeastern US university. First-year college students (n 129). There was a significant main effect for condition on percentage of optimal choices selected, with 94 % of food choices in the OD condition optimal, 47 % in the FA condition optimal and none in the SD condition optimal. Similarly, energy intake for those in the SD condition significantly exceeded that in the FA condition, which exceeded that in the OD condition. Presenting menu items as optimal defaults with a delay had a significant impact on choice and consumption, suggesting that further research into its long-term applicability is warranted.

  7. Modulation of steady state functional connectivity in the default mode and working memory networks by cognitive load.

    PubMed

    Newton, Allen T; Morgan, Victoria L; Rogers, Baxter P; Gore, John C

    2011-10-01

    Interregional correlations between blood oxygen level dependent (BOLD) magnetic resonance imaging (fMRI) signals in the resting state have been interpreted as measures of connectivity across the brain. Here we investigate whether such connectivity in the working memory and default mode networks is modulated by changes in cognitive load. Functional connectivity was measured in a steady-state verbal identity N-back task for three different conditions (N = 1, 2, and 3) as well as in the resting state. We found that as cognitive load increases, the functional connectivity within both the working memory the default mode network increases. To test whether functional connectivity between the working memory and the default mode networks changed, we constructed maps of functional connectivity to the working memory network as a whole and found that increasingly negative correlations emerged in a dorsal region of the posterior cingulate cortex. These results provide further evidence that low frequency fluctuations in BOLD signals reflect variations in neural activity and suggests interaction between the default mode network and other cognitive networks. Copyright © 2010 Wiley-Liss, Inc.

  8. Risk factors associated with default among new smear positive TB patients treated under DOTS in India.

    PubMed

    Vijay, Sophia; Kumar, Prahlad; Chauhan, Lakbir Singh; Vollepore, Balasangameshwara Hanumanthappa; Kizhakkethil, Unnikrishnan Pallikkara; Rao, Sumathi Govinda

    2010-04-06

    Poor treatment adherence leading to risk of drug resistance, treatment failure, relapse, death and persistent infectiousness remains an impediment to the tuberculosis control programmes. The objective of the study was to identify predictors of default among new smear positive TB patients registered for treatment to suggest possible interventions to set right the problems to sustain and enhance the programme performance. Twenty districts selected from six states were assigned to six strata formed, considering the geographic, socio-cultural and demographic setup of the area. New smear positive patients registered for treatment in two consecutive quarters during III quarter 2004 to III quarter 2005 formed the retrospective study cohort. Case control analysis was done including defaulted patients as "cases" and equal number of age and sex matched patients completing treatment as "controls". The presence and degree of association between default and determinant factors was computed through univariate and multivariate logistic regression analysis. Data collection was through patient interviews using pre-tested semi structured questionnaire and review of treatment related records. Information on a wide range of socio demographic and patient related factors was obtained. Among the 687 defaulted and equal numbers of patients in completed group, 389 and 540 patients respectively were satisfactorily interviewed. In the logistic regression analysis, factors independently associated with default were alcoholism [AOR-1.72 (1.23-2.44)], illiteracy [AOR-1.40 (1.03-1.92)], having other commitments during treatment [AOR-3.22 (1.1-9.09)], inadequate knowledge of TB [AOR-1.88(1.35-2.63)], poor patient provider interaction [AOR-1.72(1.23-2.44)], lack of support from health staff [AOR-1.93(1.41-2.64)], having instances of missed doses [AOR-2.56(1.82-3.57)], side effects to anti TB drugs [AOR-2.55 (1.87-3.47)] and dissatisfaction with services provided [AOR-1.73 (1.14-2.6)]. Majority of

  9. 47 CFR 1.2109 - License grant, denial, default, and disqualification.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... PROCEDURE Competitive Bidding Proceedings General Procedures § 1.2109 License grant, denial, default, and... has declared competitive bidding closed or fails to remit the required down payment within ten (10) business days after the Commission has declared competitive bidding closed, the bidder will be deemed to...

  10. 47 CFR 1.2109 - License grant, denial, default, and disqualification.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... PROCEDURE Competitive Bidding Proceedings General Procedures § 1.2109 License grant, denial, default, and... has declared competitive bidding closed or fails to remit the required down payment within ten (10) business days after the Commission has declared competitive bidding closed, the bidder will be deemed to...

  11. Take One Small Step: Traveling the Path to Default Reduction.

    ERIC Educational Resources Information Center

    O'Neal, Sharon; Kent, Connie

    2002-01-01

    Reviews tips from financial aid programs aimed at reducing default on student loans. Tips include: know your students, target your efforts, help students stay in school, give students appropriate information during "learning moments," and make information easy to get and understand. Includes lists of other resources. (EV)

  12. Risk factors associated with default among tuberculosis patients in Darjeeling district of West Bengal, India

    PubMed Central

    Roy, Nirmalya; Basu, Mausumi; Das, Sibasis; Mandal, Amitava; Dutt, Debashis; Dasgupta, Samir

    2015-01-01

    Background: The treatment outcome “default” under Revised National Tuberculosis Control Program (RNTCP) is a patient who after treatment initiation has interrupted treatment consecutively for more than 2 months. Aims: To assess the timing, characteristics and distribution of the reasons for default with relation to some sociodemographic variables among new sputum-positive (NSP) tuberculosis (TB) patients in Darjeeling District, West Bengal. Settings and Design: A case-control study was conducted in three tuberculosis units (TUs) of Darjeeling from August’2011 to December’2011 among NSP TB patients enrolled for treatment in the TB register from 1st Qtr’09 to 2nd Qtr’10. Patients defaulted from treatment were considered as “cases” and those completed treatment as “controls” (79 cases and 79 controls). Materials and Methods: The enrolled cases and controls were interviewed by the health workers using a predesigned structured pro-forma. Statistical Analysis Used: Logistic regression analysis, odds ratios (OR), adjusted odds ratios (AOR). Results: 75% of the default occurred in the intensive phase (IP); 54.24% retrieval action was done within 1 day during IP and 75% within 1 week during continuation phase (CP); cent percent of the documented retrieval actions were undertaken by the contractual TB program staffs. Most commonly cited reasons for default were alcohol consumption (29.11%), adverse effects of drugs (25.32%), and long distance of DOT center (21.52%). In the logistic regression analysis, the factors independently associated were consumption of alcohol, inadequate knowledge about TB, inadequate patient provider interaction, instances of missed doses, adverse reactions of anti-TB drugs, Government Directly Observed Treatment (DOT) provider and smoking. Conclusions: Most defaults occurred in the intensive phase; pre-treatment counseling and initial home visit play very important role in this regard. Proper counseling by health care workers in

  13. Reading fiction and reading minds: the role of simulation in the default network

    PubMed Central

    Bricker, Andrew B.; Dodell-Feder, David; Mitchell, Jason P.

    2016-01-01

    Research in psychology has suggested that reading fiction can improve individuals’ social-cognitive abilities. Findings from neuroscience show that reading and social cognition both recruit the default network, a network which is known to support our capacity to simulate hypothetical scenes, spaces and mental states. The current research tests the hypothesis that fiction reading enhances social cognition because it serves to exercise the default subnetwork involved in theory of mind. While undergoing functional neuroimaging, participants read literary passages that differed along two dimensions: (i) vivid vs abstract and (ii) social vs non-social. Analyses revealed distinct subnetworks of the default network respond to the two dimensions of interest: the medial temporal lobe subnetwork responded preferentially to vivid passages, with or without social content; the dorsomedial prefrontal cortex (dmPFC) subnetwork responded preferentially to passages with social and abstract content. Analyses also demonstrated that participants who read fiction most often also showed the strongest social cognition performance. Finally, mediation analysis showed that activity in the dmPFC subnetwork in response to the social content mediated this relation, suggesting that the simulation of social content in fiction plays a role in fiction’s ability to enhance readers’ social cognition. PMID:26342221

  14. The unrested resting brain: sleep deprivation alters activity within the default-mode network.

    PubMed

    Gujar, Ninad; Yoo, Seung-Schik; Hu, Peter; Walker, Matthew P

    2010-08-01

    The sleep-deprived brain has principally been characterized by examining dysfunction during cognitive task performance. However, far less attention has been afforded the possibility that sleep deprivation may be as, if not more, accurately characterized on the basis of abnormal resting-state brain activity. Here we report that one night of sleep deprivation significantly disrupts the canonical signature of task-related deactivation, resulting in a double dissociation within anterior as well as posterior midline regions of the default network. Indeed, deactivation within these regions alone discriminated sleep-deprived from sleep-control subjects with a 93% degree of sensitivity and 92% specificity. In addition, the relative balance of deactivation within these default nodes significantly correlated with the amount of prior sleep in the control group (and not extended time awake in the deprivation group). Therefore, the stability and the balance of task-related deactivation in key default-mode regions may be dependent on prior sleep, such that a lack thereof disrupts this signature pattern of brain activity, findings that may offer explanatory insights into conditions associated with sleep loss at both a clinical as well as societal level.

  15. Predictors of default from follow-up care in a cervical cancer screening program using direct visual inspection in south-western Nigeria.

    PubMed

    Ezechi, Oliver Chukwujekwu; Petterson, Karen Odberg; Gbajabiamila, Titilola A; Idigbe, Ifeoma Eugenia; Kuyoro, Olutunmike; Ujah, Innocent Achaya Otobo; Ostergren, Per Olof

    2014-03-31

    Increasingly evidence is emerging from south East Asia, southern and east Africa on the burden of default to follow up care after a positive cervical cancer screening/diagnosis, which impacts negatively on cervical cancer prevention and control. Unfortunately little or no information exists on the subject in the West Africa sub region. This study was designed to determine the proportion of and predictors and reasons for default from follow up care after positive cervical cancer screen. Women who screen positive at community cervical cancer screening using direct visual inspection were followed up to determine the proportion of default and associated factors. Multivariate logistic regression was used to determine independent predictors of default. One hundred and eight (16.1%) women who screened positive to direct visual inspection out of 673 were enrolled into the study. Fifty one (47.2%) out of the 108 women that screened positive defaulted from follow-up appointment. Women who were poorly educated (OR: 3.1, CI: 2.0 - 5.2), or lived more than 10 km from the clinic (OR: 2.0, CI: 1.0 - 4.1), or never screened for cervical cancer before (OR: 3.5, CI:3:1-8.4) were more likely to default from follow-up after screening positive for precancerous lesion of cervix . The main reasons for default were cost of transportation (48.6%) and time constraints (25.7%). The rate of default was high (47.2%) as a result of unaffordable transportation cost and limited time to keep the scheduled appointment. A change from the present strategy that involves multiple visits to a "see and treat" strategy in which both testing and treatment are performed at a single visit is recommended.

  16. Predictors of default from follow-up care in a cervical cancer screening program using direct visual inspection in south-western Nigeria

    PubMed Central

    2014-01-01

    Background Increasingly evidence is emerging from south East Asia, southern and east Africa on the burden of default to follow up care after a positive cervical cancer screening/diagnosis, which impacts negatively on cervical cancer prevention and control. Unfortunately little or no information exists on the subject in the West Africa sub region. This study was designed to determine the proportion of and predictors and reasons for default from follow up care after positive cervical cancer screen. Method Women who screen positive at community cervical cancer screening using direct visual inspection were followed up to determine the proportion of default and associated factors. Multivariate logistic regression was used to determine independent predictors of default. Results One hundred and eight (16.1%) women who screened positive to direct visual inspection out of 673 were enrolled into the study. Fifty one (47.2%) out of the 108 women that screened positive defaulted from follow-up appointment. Women who were poorly educated (OR: 3.1, CI: 2.0 – 5.2), or lived more than 10 km from the clinic (OR: 2.0, CI: 1.0 – 4.1), or never screened for cervical cancer before (OR: 3.5, CI:3:1–8.4) were more likely to default from follow-up after screening positive for precancerous lesion of cervix . The main reasons for default were cost of transportation (48.6%) and time constraints (25.7%). Conclusion The rate of default was high (47.2%) as a result of unaffordable transportation cost and limited time to keep the scheduled appointment. A change from the present strategy that involves multiple visits to a “see and treat” strategy in which both testing and treatment are performed at a single visit is recommended. PMID:24678898

  17. A Web-based tool for UV irradiance data: predictions for European and Southeast Asian sites.

    PubMed

    Kift, Richard; Webb, Ann R; Page, John; Rimmer, John; Janjai, Serm

    2006-01-01

    There are a range of UV models available, but one needs significant pre-existing knowledge and experience in order to be able to use them. In this article a comparatively simple Web-based model developed for the SoDa (Integration and Exploitation of Networked Solar Radiation Databases for Environment Monitoring) project is presented. This is a clear-sky model with modifications for cloud effects. To determine if the model produces realistic UV data the output is compared with 1 year sets of hourly measurements at sites in the United Kingdom and Thailand. The accuracy of the output depends on the input, but reasonable results were obtained with the use of the default database inputs and improved when pyranometer instead of modeled data provided the global radiation input needed to estimate the UV. The average modeled values of UV for the UK site were found to be within 10% of measurements. For the tropical sites in Thailand the average modeled values were within 1120% of measurements for the four sites with the use of the default SoDa database values. These results improved when pyranometer data and TOMS ozone data from 2002 replaced the standard SoDa database values, reducing the error range for all four sites to less than 15%.

  18. 48 CFR 552.270-18 - Default in Delivery-Time Extensions.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 48 Federal Acquisition Regulations System 4 2014-10-01 2014-10-01 false Default in Delivery-Time Extensions. 552.270-18 Section 552.270-18 Federal Acquisition Regulations System GENERAL SERVICES... leases, in excess of the aggregate rent and estimated real estate tax and operating cost adjustments for...

  19. 48 CFR 552.270-18 - Default in Delivery-Time Extensions.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 48 Federal Acquisition Regulations System 4 2012-10-01 2012-10-01 false Default in Delivery-Time Extensions. 552.270-18 Section 552.270-18 Federal Acquisition Regulations System GENERAL SERVICES... leases, in excess of the aggregate rent and estimated real estate tax and operating cost adjustments for...

  20. 48 CFR 552.270-18 - Default in Delivery-Time Extensions.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 48 Federal Acquisition Regulations System 4 2011-10-01 2011-10-01 false Default in Delivery-Time Extensions. 552.270-18 Section 552.270-18 Federal Acquisition Regulations System GENERAL SERVICES... leases, in excess of the aggregate rent and estimated real estate tax and operating cost adjustments for...

  1. 48 CFR 552.270-18 - Default in Delivery-Time Extensions.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 48 Federal Acquisition Regulations System 4 2013-10-01 2013-10-01 false Default in Delivery-Time Extensions. 552.270-18 Section 552.270-18 Federal Acquisition Regulations System GENERAL SERVICES... leases, in excess of the aggregate rent and estimated real estate tax and operating cost adjustments for...

  2. 48 CFR 552.270-18 - Default in Delivery-Time Extensions.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 48 Federal Acquisition Regulations System 4 2010-10-01 2010-10-01 false Default in Delivery-Time Extensions. 552.270-18 Section 552.270-18 Federal Acquisition Regulations System GENERAL SERVICES... leases, in excess of the aggregate rent and estimated real estate tax and operating cost adjustments for...

  3. Default-Mode Network Functional Connectivity in Aphasia: Therapy-Induced Neuroplasticity

    ERIC Educational Resources Information Center

    Marcotte, Karine; Perlbarg, Vincent; Marrelec, Guillaume; Benali, Habib; Ansaldo, Ana Ines

    2013-01-01

    Previous research on participants with aphasia has mainly been based on standard functional neuroimaging analysis. Recent studies have shown that functional connectivity analysis can detect compensatory activity, not revealed by standard analysis. Little is known, however, about the default-mode network in aphasia. In the current study, we studied…

  4. Death certificate only proportions should be age adjusted in studies comparing cancer survival across populations and over time.

    PubMed

    Brenner, Hermann; Castro, Felipe A; Eberle, Andrea; Emrich, Katharina; Holleczek, Bernd; Katalinic, Alexander; Jansen, Lina

    2016-01-01

    The proportion of cases notified by death certificate only (DCO) is a commonly used data quality indicator in studies comparing cancer survival across regions and over time. We aimed to assess dependence of DCO proportions on the age structure of cancer patients. Using data from a national cancer survival study in Germany, we determined age specific and overall (crude) DCO proportions for 24 common forms of cancer. We then derived overall (crude) DCO proportions expected in case of shifts of the age distribution of the cancer populations by 5 and 10 years, respectively, assuming age specific DCO proportions to remain constant. Median DCO proportions across the 24 cancers were 2.4, 3.7, 5.5, 8.5 and 23.9% in age groups 15-44, 45-54, 55-64, 65-74, and 75+, respectively. A decrease of ages by 5 and 10 years resulted in decreases of cancer specific crude DCO proportions ranging from 0.4 to 4.8 and from 0.7 to 8.6 percent units, respectively. Conversely, an increase of ages by 5 and 10 years led to increases of cancer specific crude DCO proportions ranging from 0.8 to 4.8 and from 1.8 to 9.6 percent units, respectively. These changes were of similar magnitude (but in opposite direction) as changes in crude 5-year relative survival resulting from the same shifts in age distribution. The age structure of cancer patient populations has a substantial impact on DCO proportions. DCO proportions should therefore be age adjusted in comparative studies on cancer survival across regions and over time. Copyright © 2015 Elsevier Ltd. All rights reserved.

  5. An Empirical Analysis of the Default Rate of Informal Lending—Evidence from Yiwu, China

    NASA Astrophysics Data System (ADS)

    Lu, Wei; Yu, Xiaobo; Du, Juan; Ji, Feng

    This study empirically analyzes the underlying factors contributing to the default rate of informal lending. This paper adopts snowball sampling interview to collect data and uses the logistic regression model to explore the specific factors. The results of these analyses validate the explanation of how the informal lending differs from the commercial loan. Factors that contribute to the default rate have particular attributes, while sharing some similarities with commercial bank or FICO credit scoring Index. Finally, our concluding remarks draw some inferences from empirical analysis and speculate as to what this may imply for the role of formal and informal financial sectors.

  6. 900 Institutions Could Be Dropped from Student-Aid Programs for High Loan-Default Rates; 55 Are Non-Profit Colleges.

    ERIC Educational Resources Information Center

    Zook, Jim

    1993-01-01

    Colleges risk losing eligibility for government student loan programs, because of tightened loan-repayment requirements for participating institutions. Economic factors and some data-processing errors are blamed for high student default rates. Default rates are charted by state, lender, institution type, and guarantee agency. Colleges threatened…

  7. Default options in advance directives: study protocol for a randomised clinical trial.

    PubMed

    Gabler, Nicole B; Cooney, Elizabeth; Small, Dylan S; Troxel, Andrea B; Arnold, Robert M; White, Douglas B; Angus, Derek C; Loewenstein, George; Volpp, Kevin G; Bryce, Cindy L; Halpern, Scott D

    2016-06-06

    Although most seriously ill Americans wish to avoid burdensome and aggressive care at the end of life, such care is often provided unless patients or family members specifically request otherwise. Advance directives (ADs) were created to provide opportunities to set limits on aggressive care near life's end. This study tests the hypothesis that redesigning ADs such that comfort-oriented care is provided as the default, rather than requiring patients to actively choose it, will promote better patient-centred outcomes. This multicentre trial randomises seriously ill adults to receive 1 of 3 different ADs: (1) a traditional AD that requires patients to actively choose their goals of care or preferences for specific interventions (eg, feeding tube insertion) or otherwise have their care guided by their surrogates and the prevailing societal default toward aggressive care; (2) an AD that defaults to life-extending care and receipt of life-sustaining interventions, enabling patients to opt out from such care; or (3) an AD that defaults to comfort care, enabling patients to opt into life-extending care. We seek to enrol 270 patients who return complete, legally valid ADs so as to generate sufficient power to detect differences in the primary outcome of hospital-free days (days alive and not in an acute care facility). Secondary outcomes include hospital and intensive care unit admissions, costs of care, hospice usage, decision conflict and satisfaction, quality of life, concordance of preferences with care received and bereavement outcomes for surrogates of patients who die. This study has been approved by the Institutional Review Boards at all trial centres, and is guided by a data safety and monitoring board and an ethics advisory board. Study results will be disseminated using methods that describe the results in ways that key stakeholders can best understand and implement. NCT02017548; Pre-results. Published by the BMJ Publishing Group Limited. For permission to use

  8. Default options in advance directives: study protocol for a randomised clinical trial

    PubMed Central

    Gabler, Nicole B; Cooney, Elizabeth; Small, Dylan S; Troxel, Andrea B; Arnold, Robert M; White, Douglas B; Angus, Derek C; Loewenstein, George; Volpp, Kevin G; Bryce, Cindy L; Halpern, Scott D

    2016-01-01

    Introduction Although most seriously ill Americans wish to avoid burdensome and aggressive care at the end of life, such care is often provided unless patients or family members specifically request otherwise. Advance directives (ADs) were created to provide opportunities to set limits on aggressive care near life's end. This study tests the hypothesis that redesigning ADs such that comfort-oriented care is provided as the default, rather than requiring patients to actively choose it, will promote better patient-centred outcomes. Methods and analysis This multicentre trial randomises seriously ill adults to receive 1 of 3 different ADs: (1) a traditional AD that requires patients to actively choose their goals of care or preferences for specific interventions (eg, feeding tube insertion) or otherwise have their care guided by their surrogates and the prevailing societal default toward aggressive care; (2) an AD that defaults to life-extending care and receipt of life-sustaining interventions, enabling patients to opt out from such care; or (3) an AD that defaults to comfort care, enabling patients to opt into life-extending care. We seek to enrol 270 patients who return complete, legally valid ADs so as to generate sufficient power to detect differences in the primary outcome of hospital-free days (days alive and not in an acute care facility). Secondary outcomes include hospital and intensive care unit admissions, costs of care, hospice usage, decision conflict and satisfaction, quality of life, concordance of preferences with care received and bereavement outcomes for surrogates of patients who die. Ethics and dissemination This study has been approved by the Institutional Review Boards at all trial centres, and is guided by a data safety and monitoring board and an ethics advisory board. Study results will be disseminated using methods that describe the results in ways that key stakeholders can best understand and implement. Trial registration number NCT02017548

  9. Default Rate on Student Loans Falls for 2005 Fiscal Year

    ERIC Educational Resources Information Center

    Basken, Paul

    2007-01-01

    The rate at which borrowers default on their federally guaranteed student loans has declined to 4.6 percent, in part because of a record number of consolidations, the Education Department announced last week. "Borrowers took advantage of the opportunity to lock in record-low interest rates by consolidating their federal student loans," the…

  10. Use of Normothermic Default Humidifier Settings Causes Excessive Humidification of Respiratory Gases During Therapeutic Hypothermia.

    PubMed

    Tanaka, Shoichiro; Iwata, Sachiko; Kinoshita, Masahiro; Tsuda, Kennosuke; Sakai, Sayaka; Saikusa, Mamoru; Shindo, Ryota; Harada, Eimei; Okada, Junichiro; Hisano, Tadashi; Kanda, Hiroshi; Maeno, Yasuki; Araki, Yuko; Ushijima, Kazuo; Sakamoto, Teruo; Yamashita, Yushiro; Iwata, Osuke

    2016-12-01

    Adult patients frequently suffer from serious respiratory complications during therapeutic hypothermia. During therapeutic hypothermia, respiratory gases are humidified close to saturated vapor at 37°C (44 mg/L) despite that saturated vapor reduces considerably depending on temperature reduction. Condensation may cause serious adverse events, such as bronchial edema, mucosal dysfunction, and ventilator-associated pneumonia during cooling. To determine clinical variables associated with inadequate humidification of respiratory gases during cooling, humidity of inspiratory gases was measured in 42 cumulative newborn infants who underwent therapeutic hypothermia. Three humidifier settings of 37-default (chamber outlet, 37°C; distal circuit, 40°C), 33.5-theoretical (chamber outlet, 33.5°C; distal circuit, 36.5°C), and 33.5-adjusted (optimized setting to achieve 36.6 mg/L using feedback from a hygrometer) were tested to identify independent variables of excessively high humidity >40.7 mg/L and low humidity <32.9 mg/L. The mean (SD) humidity at the Y-piece was 39.2 (5.2), 33.3 (4.1), and 36.7 (1.2) mg/L for 37-default, 33.5-theoretical, and 33.5-adjusted, respectively. The incidence of excessive high humidity was 10.3% (37-default, 31.0%; 33.5-theoretical, 0.0%; 33.5-adjusted, 0.0%), which was positively associated with the use of a counter-flow humidifier (p < 0.001), 37-default (compared with 33.5-theoretical and 33.5-adjusted, both p < 0.001) and higher fraction of inspired oxygen (p = 0.003). The incidence of excessively low humidity was 17.5% (37-default, 7.1%; 33.5-theoretical, 45.2%; 33.5-adjusted, 0.0%), which was positively associated with the use of a pass-over humidifier and 33.5-theoretical (both p < 0.001). All patients who used a counter-flow humidifier achieved the target gas humidity at the Y-piece (36.6 ± 0.5 mg/L) required for 33.5-adjusted with 33.5-theoretical. During cooling, 37-default is associated with

  11. Default, Cognitive and Affective Brain Networks in Human Tinnitus

    DTIC Science & Technology

    Tinnitus is a major health problem among those currently and formerly in military service. This project hypothesizes that many of the clinically...significant, non-auditory aspects of the tinnitus condition involve two major brain networks: the cognitive control network (CCN) and the default mode...function can be assessed. Subjects in three groups are being compared: (1) control subjects with clinically-normal hearing thresholds and no tinnitus

  12. Default Mode Network Subsystems are Differentially Disrupted in Posttraumatic Stress Disorder

    PubMed Central

    Miller, Danielle R.; Hayes, Scott M.; Hayes, Jasmeet P.; Spielberg, Jeffrey M.; Lafleche, Ginette; Verfaellie, Mieke

    2017-01-01

    Background Posttraumatic stress disorder (PTSD) is a psychiatric disorder characterized by debilitating re-experiencing, avoidance, and hyperarousal symptoms following trauma exposure. Recent evidence suggests that individuals with PTSD show disrupted functional connectivity in the default mode network, an intrinsic network that consists of a midline core, a medial temporal lobe (MTL) subsystem, and a dorsomedial prefrontal cortex (dMPFC) subsystem. The present study examined whether functional connectivity in these subsystems is differentially disrupted in PTSD. Methods Sixty-nine returning war Veterans with PTSD and 44 trauma-exposed Veterans without PTSD underwent resting state functional MRI (rs-fMRI). To examine functional connectivity, seeds were placed in the core hubs of the default mode network, namely the posterior cingulate cortex (PCC) and anterior medial PFC (aMPFC), and in each subsystem. Results Compared to controls, individuals with PTSD had reduced functional connectivity between the PCC and the hippocampus, a region of the MTL subsystem. Groups did not differ in connectivity between the PCC and dMPFC subsystem or between the aMPFC and any region within either subsystem. In the PTSD group, connectivity between the PCC and hippocampus was negatively associated with avoidance/numbing symptoms. Examination of the MTL and dMPFC subsystems revealed reduced anticorrelation between the ventromedial PFC (vMPFC) seed of the MTL subsystem and the dorsal anterior cingulate cortex in the PTSD group. Conclusions Our results suggest that selective alterations in functional connectivity in the MTL subsystem of the default mode network in PTSD may be an important factor in PTSD pathology and symptomatology. PMID:28435932

  13. Default Mode Network Subsystems are Differentially Disrupted in Posttraumatic Stress Disorder.

    PubMed

    Miller, Danielle R; Hayes, Scott M; Hayes, Jasmeet P; Spielberg, Jeffrey M; Lafleche, Ginette; Verfaellie, Mieke

    2017-05-01

    Posttraumatic stress disorder (PTSD) is a psychiatric disorder characterized by debilitating re-experiencing, avoidance, and hyperarousal symptoms following trauma exposure. Recent evidence suggests that individuals with PTSD show disrupted functional connectivity in the default mode network, an intrinsic network that consists of a midline core, a medial temporal lobe (MTL) subsystem, and a dorsomedial prefrontal cortex (dMPFC) subsystem. The present study examined whether functional connectivity in these subsystems is differentially disrupted in PTSD. Sixty-nine returning war Veterans with PTSD and 44 trauma-exposed Veterans without PTSD underwent resting state functional MRI (rs-fMRI). To examine functional connectivity, seeds were placed in the core hubs of the default mode network, namely the posterior cingulate cortex (PCC) and anterior medial PFC (aMPFC), and in each subsystem. Compared to controls, individuals with PTSD had reduced functional connectivity between the PCC and the hippocampus, a region of the MTL subsystem. Groups did not differ in connectivity between the PCC and dMPFC subsystem or between the aMPFC and any region within either subsystem. In the PTSD group, connectivity between the PCC and hippocampus was negatively associated with avoidance/numbing symptoms. Examination of the MTL and dMPFC subsystems revealed reduced anticorrelation between the ventromedial PFC (vMPFC) seed of the MTL subsystem and the dorsal anterior cingulate cortex in the PTSD group. Our results suggest that selective alterations in functional connectivity in the MTL subsystem of the default mode network in PTSD may be an important factor in PTSD pathology and symptomatology.

  14. 25 CFR 103.36 - What options and remedies does the lender have if the borrower defaults on the loan?

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ...'s behalf during the default, if doing so is reasonably necessary to ensure that loan recovery... perform the duty that jeopardizes loan recovery, including by undue delay in making the payment or... delivery service (signature of recipient required) within 90 calendar days of the default to select one of...

  15. Reading fiction and reading minds: the role of simulation in the default network.

    PubMed

    Tamir, Diana I; Bricker, Andrew B; Dodell-Feder, David; Mitchell, Jason P

    2016-02-01

    Research in psychology has suggested that reading fiction can improve individuals' social-cognitive abilities. Findings from neuroscience show that reading and social cognition both recruit the default network, a network which is known to support our capacity to simulate hypothetical scenes, spaces and mental states. The current research tests the hypothesis that fiction reading enhances social cognition because it serves to exercise the default subnetwork involved in theory of mind. While undergoing functional neuroimaging, participants read literary passages that differed along two dimensions: (i) vivid vs abstract and (ii) social vs non-social. Analyses revealed distinct subnetworks of the default network respond to the two dimensions of interest: the medial temporal lobe subnetwork responded preferentially to vivid passages, with or without social content; the dorsomedial prefrontal cortex (dmPFC) subnetwork responded preferentially to passages with social and abstract content. Analyses also demonstrated that participants who read fiction most often also showed the strongest social cognition performance. Finally, mediation analysis showed that activity in the dmPFC subnetwork in response to the social content mediated this relation, suggesting that the simulation of social content in fiction plays a role in fiction's ability to enhance readers' social cognition. © The Author (2015). Published by Oxford University Press. For Permissions, please email: journals.permissions@oup.com.

  16. Which women default from follow-up cervical cytology tests? A cohort study within the TOMBOLA trial.

    PubMed

    Sharp, L; Cotton, S; Thornton, A; Gray, N; Whynes, D; Smart, L; Waugh, N; Duncan, I; Cruickshank, M; Little, J

    2012-06-01

    To identify factors associated with default from follow-up cervical cytology tests. A cohort study was conducted involving 2166 women, aged 20-59, with recent low-grade cervical cytology taken within the NHS Cervical Screening Programmes in Scotland and England, and managed by 6-monthly cytology in primary care. For the first (6-month) and second (12-month) surveillance cytology tests separately, women were categorized as 'on-time attendees' (attended ≤6 months of test being due), 'late attendees' (attended greater than 6 months after test was due) or 'non-attendees' (failed to attend). Multivariate odds ratios (ORs) were computed for factors associated with late and non-attendance. For the first surveillance test, risk of non-attendance was significantly higher in younger women, those without post-secondary education, and non-users of prescribed contraception. Factors significantly associated with late attendance for the first test were the same as for non-attendance, plus current smoking and having children. The most important predictor of non-attendance for the second surveillance test was late attendance for the first test (OR = 9.65; 95% CI, 6.60-16.62). Non-attendance for the second test was also significantly higher among women who were younger, smokers and had negative cytology on the first surveillance test. Late attendance for the second surveillance test was higher in women who were younger, smokers, had children and attended late for the first test. Women at highest risk of default from follow-up cytology tend to be young, smoke, lack post-secondary education, and have defaulted from a previous surveillance appointment. Tackling default will require development of targeted strategies to encourage attendance and research to better understand the reasons underpinning default. © 2011 Blackwell Publishing Ltd.

  17. Multi-Site Diagnostic Classification of Schizophrenia Using Discriminant Deep Learning with Functional Connectivity MRI.

    PubMed

    Zeng, Ling-Li; Wang, Huaning; Hu, Panpan; Yang, Bo; Pu, Weidan; Shen, Hui; Chen, Xingui; Liu, Zhening; Yin, Hong; Tan, Qingrong; Wang, Kai; Hu, Dewen

    2018-04-01

    A lack of a sufficiently large sample at single sites causes poor generalizability in automatic diagnosis classification of heterogeneous psychiatric disorders such as schizophrenia based on brain imaging scans. Advanced deep learning methods may be capable of learning subtle hidden patterns from high dimensional imaging data, overcome potential site-related variation, and achieve reproducible cross-site classification. However, deep learning-based cross-site transfer classification, despite less imaging site-specificity and more generalizability of diagnostic models, has not been investigated in schizophrenia. A large multi-site functional MRI sample (n = 734, including 357 schizophrenic patients from seven imaging resources) was collected, and a deep discriminant autoencoder network, aimed at learning imaging site-shared functional connectivity features, was developed to discriminate schizophrenic individuals from healthy controls. Accuracies of approximately 85·0% and 81·0% were obtained in multi-site pooling classification and leave-site-out transfer classification, respectively. The learned functional connectivity features revealed dysregulation of the cortical-striatal-cerebellar circuit in schizophrenia, and the most discriminating functional connections were primarily located within and across the default, salience, and control networks. The findings imply that dysfunctional integration of the cortical-striatal-cerebellar circuit across the default, salience, and control networks may play an important role in the "disconnectivity" model underlying the pathophysiology of schizophrenia. The proposed discriminant deep learning method may be capable of learning reliable connectome patterns and help in understanding the pathophysiology and achieving accurate prediction of schizophrenia across multiple independent imaging sites. Copyright © 2018 German Center for Neurodegenerative Diseases (DZNE). Published by Elsevier B.V. All rights reserved.

  18. Default mode of brain function in monkeys.

    PubMed

    Mantini, Dante; Gerits, Annelis; Nelissen, Koen; Durand, Jean-Baptiste; Joly, Olivier; Simone, Luciano; Sawamura, Hiromasa; Wardak, Claire; Orban, Guy A; Buckner, Randy L; Vanduffel, Wim

    2011-09-07

    Human neuroimaging has revealed a specific network of brain regions-the default-mode network (DMN)-that reduces its activity during goal-directed behavior. So far, evidence for a similar network in monkeys is mainly indirect, since, except for one positron emission tomography study, it is all based on functional connectivity analysis rather than activity increases during passive task states. Here, we tested whether a consistent DMN exists in monkeys using its defining property. We performed a meta-analysis of functional magnetic resonance imaging data collected in 10 awake monkeys to reveal areas in which activity consistently decreases when task demands shift from passive tasks to externally oriented processing. We observed task-related spatially specific deactivations across 15 experiments, implying in the monkey a functional equivalent of the human DMN. We revealed by resting-state connectivity that prefrontal and medial parietal regions, including areas 9/46d and 31, respectively, constitute the DMN core, being functionally connected to all other DMN areas. We also detected two distinct subsystems composed of DMN areas with stronger functional connections between each other. These clusters included areas 24/32, 8b, and TPOC and areas 23, v23, and PGm, respectively. Such a pattern of functional connectivity largely fits, but is not completely consistent with anatomical tract tracing data in monkeys. Also, analysis of afferent and efferent connections between DMN areas suggests a multisynaptic network structure. Like humans, monkeys increase activity during passive epochs in heteromodal and limbic association regions, suggesting that they also default to internal modes of processing when not actively interacting with the environment.

  19. 40 CFR 725.60 - Withdrawal of submission by the submitter.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ..., OPPT Document Control Office (DCO), EPA East Bldg., 1201 Constitution Ave., NW., Rm. 6428, Washington... Control Office (DCO), EPA East Bldg., 1201 Constitution Ave., NW., Rm. 6428, Washington, DC 20004. (ii... Document Control Office (DCO), EPA East Bldg., 1201 Constitution Ave., NW., Rm. 6428, Washington, DC 20004...

  20. 22 CFR 230.08 - Event of Default; Application for Compensation; payment.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 22 Foreign Relations 1 2014-04-01 2014-04-01 false Event of Default; Application for Compensation; payment. 230.08 Section 230.08 Foreign Relations AGENCY FOR INTERNATIONAL DEVELOPMENT ISRAEL LOAN GUARANTEES ISSUED UNDER THE EMERGENCY WARTIME SUPPLEMENTAL APPROPRIATIONS ACT OF 2003, PUB. L. 108-11...

  1. 22 CFR 230.08 - Event of Default; Application for Compensation; payment.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 22 Foreign Relations 1 2013-04-01 2013-04-01 false Event of Default; Application for Compensation; payment. 230.08 Section 230.08 Foreign Relations AGENCY FOR INTERNATIONAL DEVELOPMENT ISRAEL LOAN GUARANTEES ISSUED UNDER THE EMERGENCY WARTIME SUPPLEMENTAL APPROPRIATIONS ACT OF 2003, PUB. L. 108-11...

  2. 22 CFR 231.08 - Event of Default; Application for Compensation; payment.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 22 Foreign Relations 1 2012-04-01 2012-04-01 false Event of Default; Application for Compensation; payment. 231.08 Section 231.08 Foreign Relations AGENCY FOR INTERNATIONAL DEVELOPMENT ARAB REPUBLIC OF EGYPT LOAN GUARANTEES ISSUED UNDER THE EMERGENCY WARTIME SUPPLEMENTAL APPROPRIATIONS ACT OF 2003, PUBLIC...

  3. 22 CFR 231.08 - Event of Default; Application for Compensation; payment.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 22 Foreign Relations 1 2014-04-01 2014-04-01 false Event of Default; Application for Compensation; payment. 231.08 Section 231.08 Foreign Relations AGENCY FOR INTERNATIONAL DEVELOPMENT ARAB REPUBLIC OF EGYPT LOAN GUARANTEES ISSUED UNDER THE EMERGENCY WARTIME SUPPLEMENTAL APPROPRIATIONS ACT OF 2003, PUBLIC...

  4. 22 CFR 231.08 - Event of Default; Application for Compensation; payment.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 22 Foreign Relations 1 2013-04-01 2013-04-01 false Event of Default; Application for Compensation; payment. 231.08 Section 231.08 Foreign Relations AGENCY FOR INTERNATIONAL DEVELOPMENT ARAB REPUBLIC OF EGYPT LOAN GUARANTEES ISSUED UNDER THE EMERGENCY WARTIME SUPPLEMENTAL APPROPRIATIONS ACT OF 2003, PUBLIC...

  5. 22 CFR 230.08 - Event of Default; Application for Compensation; payment.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 22 Foreign Relations 1 2012-04-01 2012-04-01 false Event of Default; Application for Compensation; payment. 230.08 Section 230.08 Foreign Relations AGENCY FOR INTERNATIONAL DEVELOPMENT ISRAEL LOAN GUARANTEES ISSUED UNDER THE EMERGENCY WARTIME SUPPLEMENTAL APPROPRIATIONS ACT OF 2003, PUB. L. 108-11...

  6. 22 CFR 231.08 - Event of Default; Application for Compensation; payment.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 22 Foreign Relations 1 2010-04-01 2010-04-01 false Event of Default; Application for Compensation; payment. 231.08 Section 231.08 Foreign Relations AGENCY FOR INTERNATIONAL DEVELOPMENT ARAB REPUBLIC OF EGYPT LOAN GUARANTEES ISSUED UNDER THE EMERGENCY WARTIME SUPPLEMENTAL APPROPRIATIONS ACT OF 2003, PUBLIC...

  7. 22 CFR 231.08 - Event of Default; Application for Compensation; payment.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 22 Foreign Relations 1 2011-04-01 2011-04-01 false Event of Default; Application for Compensation; payment. 231.08 Section 231.08 Foreign Relations AGENCY FOR INTERNATIONAL DEVELOPMENT ARAB REPUBLIC OF EGYPT LOAN GUARANTEES ISSUED UNDER THE EMERGENCY WARTIME SUPPLEMENTAL APPROPRIATIONS ACT OF 2003, PUBLIC...

  8. 22 CFR 230.08 - Event of Default; Application for Compensation; payment.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 22 Foreign Relations 1 2011-04-01 2011-04-01 false Event of Default; Application for Compensation; payment. 230.08 Section 230.08 Foreign Relations AGENCY FOR INTERNATIONAL DEVELOPMENT ISRAEL LOAN GUARANTEES ISSUED UNDER THE EMERGENCY WARTIME SUPPLEMENTAL APPROPRIATIONS ACT OF 2003, PUB. L. 108-11...

  9. 22 CFR 230.08 - Event of Default; Application for Compensation; payment.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 22 Foreign Relations 1 2010-04-01 2010-04-01 false Event of Default; Application for Compensation; payment. 230.08 Section 230.08 Foreign Relations AGENCY FOR INTERNATIONAL DEVELOPMENT ISRAEL LOAN GUARANTEES ISSUED UNDER THE EMERGENCY WARTIME SUPPLEMENTAL APPROPRIATIONS ACT OF 2003, PUB. L. 108-11...

  10. Default contagion risks in Russian interbank market

    NASA Astrophysics Data System (ADS)

    Leonidov, A. V.; Rumyantsev, E. L.

    2016-06-01

    Systemic risks of default contagion in the Russian interbank market are investigated. The analysis is based on considering the bow-tie structure of the weighted oriented graph describing the structure of the interbank loans. A probabilistic model of interbank contagion explicitly taking into account the empirical bow-tie structure reflecting functionality of the corresponding nodes (borrowers, lenders, borrowers and lenders simultaneously), degree distributions and disassortativity of the interbank network under consideration based on empirical data is developed. The characteristics of contagion-related systemic risk calculated with this model are shown to be in agreement with those of explicit stress tests.

  11. Getting sick and falling behind: health and the risk of mortgage default and home foreclosure.

    PubMed

    Houle, Jason N; Keene, Danya E

    2015-04-01

    An emerging literature shows that mortgage strain can lead to poor health outcomes, but less work has focused on whether and how health shocks influence mortgage distress. We examine the link between changes in health status and default/foreclosure risk among older middle-aged adults. We used National Longitudinal Study of Youth 1979 data and multivariate logistic regression models to examine the relationship between changes in health limitations and chronic conditions across survey waves and risk of mortgage default and foreclosure. We found that changes in health limitations and chronic conditions increased the risk of default and foreclosure between 2007 and 2010. These associations were partially mediated by changes in family income and loss of health insurance. From a policy perspective, the strong link between the onset of illness and foreclosure suggests a need to re-examine the safety-nets that are available to individuals who become ill or disabled. Published by the BMJ Publishing Group Limited. For permission to use (where not already granted under a licence) please go to http://group.bmj.com/group/rights-licensing/permissions.

  12. Creativity and the default network: A functional connectivity analysis of the creative brain at rest☆

    PubMed Central

    Beaty, Roger E.; Benedek, Mathias; Wilkins, Robin W.; Jauk, Emanuel; Fink, Andreas; Silvia, Paul J.; Hodges, Donald A.; Koschutnig, Karl; Neubauer, Aljoscha C.

    2014-01-01

    The present research used resting-state functional magnetic resonance imaging (fMRI) to examine whether the ability to generate creative ideas corresponds to differences in the intrinsic organization of functional networks in the brain. We examined the functional connectivity between regions commonly implicated in neuroimaging studies of divergent thinking, including the inferior prefrontal cortex and the core hubs of the default network. Participants were prescreened on a battery of divergent thinking tests and assigned to high- and low-creative groups based on task performance. Seed-based functional connectivity analysis revealed greater connectivity between the left inferior frontal gyrus (IFG) and the entire default mode network in the high-creative group. The right IFG also showed greater functional connectivity with bilateral inferior parietal cortex and the left dorsolateral prefrontal cortex in the high-creative group. The results suggest that the ability to generate creative ideas is characterized by increased functional connectivity between the inferior prefrontal cortex and the default network, pointing to a greater cooperation between brain regions associated with cognitive control and low-level imaginative processes. PMID:25245940

  13. Low-frequency oscillations in default mode subnetworks are associated with episodic memory impairments in Alzheimer's disease.

    PubMed

    Veldsman, Michele; Egorova, Natalia; Singh, Baljeet; Mungas, Dan; DeCarli, Charles; Brodtmann, Amy

    2017-11-01

    Disruptions to functional connectivity in subsystems of the default mode network are evident in Alzheimer's disease (AD). Functional connectivity estimates correlations in the time course of low-frequency activity. Much less is known about other potential perturbations to this activity, such as changes in the amplitude of oscillations and how this relates to cognition. We examined the amplitude of low-frequency fluctuations in 44 AD patients and 128 cognitively normal participants and related this to episodic memory, the core deficit in AD. We show higher amplitudes of low-frequency oscillations in AD patients. Rather than being compensatory, this appears to be maladaptive, with greater amplitude in the ventral default mode subnetwork associated with poorer episodic memory. Perturbations to default mode subnetworks in AD are evident in the amplitude of low-frequency oscillations in the resting brain. These disruptions are associated with episodic memory demonstrating their behavioral and clinical relevance in AD. Copyright © 2017 Elsevier Inc. All rights reserved.

  14. Risk factors for default from tuberculosis treatment in HIV-infected individuals in the state of Pernambuco, Brazil: a prospective cohort study.

    PubMed

    Maruza, Magda; Albuquerque, Maria F P Militão; Coimbra, Isabella; Moura, Líbia V; Montarroyos, Ulisses R; Miranda Filho, Demócrito B; Lacerda, Heloísa R; Rodrigues, Laura C; Ximenes, Ricardo A A

    2011-12-16

    Concomitant treatment of Human Immunodeficiency Virus (HIV) infection and tuberculosis (TB) presents a series of challenges for treatment compliance for both providers and patients. We carried out this study to identify risk factors for default from TB treatment in people living with HIV. We conducted a cohort study to monitor HIV/TB co-infected subjects in Pernambuco, Brazil, on a monthly basis, until completion or default of treatment for TB. Logistic regression was used to calculate crude and adjusted odds ratios, 95% confidence intervals and P-values. From a cohort of 2310 HIV subjects, 390 individuals (16.9%) who had started treatment after a diagnosis of TB were selected, and data on 273 individuals who completed or defaulted on treatment for TB were analyzed. The default rate was 21.7% and the following risk factors were identified: male gender, smoking and CD4 T-cell count less than 200 cells/mm3. Age over 29 years, complete or incomplete secondary or university education and the use of highly active antiretroviral therapy (HAART) were identified as protective factors for the outcome. The results point to the need for more specific actions, aiming to reduce the default from TB treatment in males, younger adults with low education, smokers and people with CD4 T-cell counts < 200 cells/mm3. Default was less likely to occur in patients under HAART, reinforcing the strategy of early initiation of HAART in individuals with TB.

  15. Risk factors for default from tuberculosis treatment in HIV-infected individuals in the state of Pernambuco, Brazil: a prospective cohort study

    PubMed Central

    2011-01-01

    Background Concomitant treatment of Human Immunodeficiency Virus (HIV) infection and tuberculosis (TB) presents a series of challenges for treatment compliance for both providers and patients. We carried out this study to identify risk factors for default from TB treatment in people living with HIV. Methods We conducted a cohort study to monitor HIV/TB co-infected subjects in Pernambuco, Brazil, on a monthly basis, until completion or default of treatment for TB. Logistic regression was used to calculate crude and adjusted odds ratios, 95% confidence intervals and P-values. Results From a cohort of 2310 HIV subjects, 390 individuals (16.9%) who had started treatment after a diagnosis of TB were selected, and data on 273 individuals who completed or defaulted on treatment for TB were analyzed. The default rate was 21.7% and the following risk factors were identified: male gender, smoking and CD4 T-cell count less than 200 cells/mm3. Age over 29 years, complete or incomplete secondary or university education and the use of highly active antiretroviral therapy (HAART) were identified as protective factors for the outcome. Conclusion The results point to the need for more specific actions, aiming to reduce the default from TB treatment in males, younger adults with low education, smokers and people with CD4 T-cell counts < 200 cells/mm3. Default was less likely to occur in patients under HAART, reinforcing the strategy of early initiation of HAART in individuals with TB. PMID:22176628

  16. 22 CFR 233.08 - Event of default; Application for Compensation; payment.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 22 Foreign Relations 1 2014-04-01 2014-04-01 false Event of default; Application for Compensation; payment. 233.08 Section 233.08 Foreign Relations AGENCY FOR INTERNATIONAL DEVELOPMENT HASHEMITE KINGDOM OF JORDAN LOAN GUARANTEES ISSUED UNDER THE FURTHER CONTINUING APPROPRIATIONS ACT, 2013, DIV. F, PUB. L. 113...

  17. 24 CFR 901.200 - Events or conditions that constitute substantial default.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ..., DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT PUBLIC HOUSING MANAGEMENT ASSESSMENT PROGRAM § 901.200 Events or conditions that constitute substantial default. (a) The Department may determine that events have occurred or... 24 Housing and Urban Development 4 2010-04-01 2010-04-01 false Events or conditions that...

  18. 7 CFR 1493.110 - Notice of default and claims for loss.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... CORPORATION, DEPARTMENT OF AGRICULTURE EXPORT PROGRAMS CCC EXPORT CREDIT GUARANTEE PROGRAMS CCC Export Credit Guarantee Program (GSM-102) and CCC Intermediate Export Credit Guarantee Program (GSM-103) Operations § 1493... related obligation, the exporter or the exporter's assignee must submit a notice of default to CCC as soon...

  19. 7 CFR 1493.110 - Notice of default and claims for loss.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... CORPORATION, DEPARTMENT OF AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS CCC EXPORT CREDIT GUARANTEE PROGRAMS CCC Export Credit Guarantee Program (GSM-102) and CCC Intermediate Export Credit Guarantee Program... default to CCC as soon as possible, but not later than 10 calendar days after the date that payment was...

  20. 7 CFR 1493.110 - Notice of default and claims for loss.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... CORPORATION, DEPARTMENT OF AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS CCC EXPORT CREDIT GUARANTEE PROGRAMS CCC Export Credit Guarantee Program (GSM-102) and CCC Intermediate Export Credit Guarantee Program... default to CCC as soon as possible, but not later than 10 calendar days after the date that payment was...

  1. 7 CFR 1493.110 - Notice of default and claims for loss.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... CORPORATION, DEPARTMENT OF AGRICULTURE EXPORT PROGRAMS CCC EXPORT CREDIT GUARANTEE PROGRAMS CCC Export Credit Guarantee Program (GSM-102) and CCC Intermediate Export Credit Guarantee Program (GSM-103) Operations § 1493... related obligation, the exporter or the exporter's assignee must submit a notice of default to CCC as soon...

  2. 7 CFR 1493.110 - Notice of default and claims for loss.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... CORPORATION, DEPARTMENT OF AGRICULTURE EXPORT PROGRAMS CCC EXPORT CREDIT GUARANTEE PROGRAMS CCC Export Credit Guarantee Program (GSM-102) and CCC Intermediate Export Credit Guarantee Program (GSM-103) Operations § 1493... related obligation, the exporter or the exporter's assignee must submit a notice of default to CCC as soon...

  3. The biological default state of cell proliferation with variation and motility, a fundamental principle for a theory of organisms.

    PubMed

    Soto, Ana M; Longo, Giuseppe; Montévil, Maël; Sonnenschein, Carlos

    2016-10-01

    The principle of inertia is central to the modern scientific revolution. By postulating this principle Galileo at once identified a pertinent physical observable (momentum) and a conservation law (momentum conservation). He then could scientifically analyze what modifies inertial movement: gravitation and friction. Inertia, the default state in mechanics, represented a major theoretical commitment: there is no need to explain uniform rectilinear motion, rather, there is a need to explain departures from it. By analogy, we propose a biological default state of proliferation with variation and motility. From this theoretical commitment, what requires explanation is proliferative quiescence, lack of variation, lack of movement. That proliferation is the default state is axiomatic for biologists studying unicellular organisms. Moreover, it is implied in Darwin's "descent with modification". Although a "default state" is a theoretical construct and a limit case that does not need to be instantiated, conditions that closely resemble unrestrained cell proliferation are readily obtained experimentally. We will illustrate theoretical and experimental consequences of applying and of ignoring this principle. Copyright © 2016 Elsevier Ltd. All rights reserved.

  4. The biological default state of cell proliferation with variation and motility, a fundamental principle for a theory of organisms

    PubMed Central

    SOTO, ANA M.; LONGO, GIUSEPPE; Montévil, Maël; SONNENSCHEIN, CARLOS

    2017-01-01

    The principle of inertia is central to the modern scientific revolution. By postulating this principle Galileo at once identified a pertinent physical observable (momentum) and a conservation law (momentum conservation). He then could scientifically analyze what modifies inertial movement: gravitation and friction. Inertia, the default state in mechanics, represented a major theoretical commitment: there is no need to explain uniform rectilinear motion, rather, there is a need to explain departures from it. By analogy, we propose a biological default state of proliferation with variation and motility. From this theoretical commitment, what requires explanation is proliferative quiescence, lack of variation, lack of movement. That proliferation is the default state is axiomatic for biologists studying unicellular organisms. Moreover, it is implied in Darwin’s “descent with modification”. Although a “default state” is a theoretical construct and a limit case that does not need to be instantiated, conditions that closely resemble unrestrained cell proliferation are readily obtained experimentally. We will illustrate theoretical and experimental consequences of applying and of ignoring this principle. PMID:27381480

  5. Institutional Retention Strategies at Historically Black Colleges and Universities and Their Effects on Cohort Default Rates: 1987-1995. Monograph Series.

    ERIC Educational Resources Information Center

    Galloway, Fred J.; Swail, Watson Scott

    This study analyzed institutional factors that significantly affect cohort default rates at historically black colleges and universities (HBCUs) and assessed the potential for reducing these rates. It has been hypothesized that the HBCUs most successful in lowering student cohort default rates are those that have also succeeded in increasing…

  6. A tale of two gyres: Contrasting distributions of dissolved cobalt and iron in the Atlantic Ocean during an Atlantic Meridional Transect (AMT-19)

    NASA Astrophysics Data System (ADS)

    Shelley, Rachel U.; Wyatt, Neil J.; Tarran, Glenn A.; Rees, Andrew P.; Worsfold, Paul J.; Lohan, Maeve C.

    2017-11-01

    Cobalt (Co) and iron (Fe) are essential for phytoplankton nutrition, and as such constitute a vital link in the marine biological carbon pump. Atmospheric deposition is an important, and in some places the dominant, source of trace elements (TEs) to the global ocean. Dissolved cobalt (dCo) and iron (dFe) were determined along an Atlantic Meridional Transect (AMT-19; Oct/Nov 2009) between 50°N and 40°S in the upper 150 m in order to investigate the behaviour and distribution of these two essential, bioactive TEs. During AMT-19, large differences in the distributions of dCo and dFe were observed. In the North Atlantic gyre provinces, extremely low mixed layer dCo concentrations (23 ± 9 pM) were observed, which contrasts with the relatively high mixed layer dFe concentrations (up to 1.0 nM) coincident with the band of highest atmospheric deposition (∼5-30°N). In the South Atlantic gyre, the opposite trend was observed, with relatively high dCo (55 ± 18 pM) observed throughout the water column, but low dFe concentrations (0.29 ± 0.08 nM). Given that annual dust supply is an order of magnitude greater in the North than the South Atlantic, the dCo distribution was somewhat unexpected. However, the distribution of dCo shows similarities with the distribution of phosphate (PO43-) in the euphotic zone of the Atlantic Ocean, where the North Atlantic gyre is characterised by chronically low PO4, and higher concentrations are observed in the South Atlantic gyre (Mather et al., 2008), suggesting the potential for a similar biological control of dCo distributions. Inverse correlations between dCo and Prochlorococcus abundance in the North Atlantic gyre provinces, combined with extremely low dCo where nitrogen fixation rates were highest (∼20-28°N), suggests the dominance of biological controls on dCo distributions. The contrasting dCo and dFe distributions in the North and South Atlantic gyres provides insights into the differences between the dominant controls on the

  7. Managing Student Loan Default Risk: Evidence from a Privately Guaranteed Portfolio.

    ERIC Educational Resources Information Center

    Monteverde, Kirk

    2000-01-01

    Application of the statistical techniques of survival analysis and credit scoring to private education loans extended to law students found a pronounced seasoning effect for such loans and the robust predictive power of credit bureau scoring of borrowers. Other predictors of default included school-of-attendance, school's geographic location, and…

  8. Attenuated anticorrelation between the default and dorsal attention networks with aging: evidence from task and rest.

    PubMed

    Spreng, R Nathan; Stevens, W Dale; Viviano, Joseph D; Schacter, Daniel L

    2016-09-01

    Anticorrelation between the default and dorsal attention networks is a central feature of human functional brain organization. Hallmarks of aging include impaired default network modulation and declining medial temporal lobe (MTL) function. However, it remains unclear if this anticorrelation is preserved into older adulthood during task performance, or how this is related to the intrinsic architecture of the brain. We hypothesized that older adults would show reduced within- and increased between-network functional connectivity (FC) across the default and dorsal attention networks. To test this hypothesis, we examined the effects of aging on task-related and intrinsic FC using functional magnetic resonance imaging during an autobiographical planning task known to engage the default network and during rest, respectively, with young (n = 72) and older (n = 79) participants. The task-related FC analysis revealed reduced anticorrelation with aging. At rest, there was a robust double dissociation, with older adults showing a pattern of reduced within-network FC, but increased between-network FC, across both networks, relative to young adults. Moreover, older adults showed reduced intrinsic resting-state FC of the MTL with both networks suggesting a fractionation of the MTL memory system in healthy aging. These findings demonstrate age-related dedifferentiation among these competitive large-scale networks during both task and rest, consistent with the idea that age-related changes are associated with a breakdown in the intrinsic functional architecture within and among large-scale brain networks. Copyright © 2016 Elsevier Inc. All rights reserved.

  9. Into the abyss: diabetes process of care indicators and outcomes of defaulters from a Canadian tertiary care multidisciplinary diabetes clinic

    PubMed Central

    2013-01-01

    Background Continuity of care is essential for good quality diabetes management. We recently found that 46% of patients defaulted from care (had no contact with the clinic for 18 months after a follow-up appointment was ordered) in a Canadian multidisciplinary tertiary care diabetes clinic. The primary aim was to compare characteristics, diabetes processes of care, and outcomes from referral to within 1 year after leaving clinic or to the end of the follow-up period among those patients who defaulted, were discharged or were retained in the clinic. Methods Retrospective cohort study of 193 patients referred to the Foustanellas Endocrine and Diabetes Center (FEDC) for type 2 diabetes from January 1, 2005 to June 30, 2005. The FEDC is the primary academic referral centre for the Ottawa Region and provides multidisciplinary diabetes management. Defaulters (mean age 58.5 ± 12.5 year, 60% M) were compared to patients who were retained in the clinic (mean age 61.4 ± 10.47 years, 49% M) and those who were formally discharged (mean age 61.5 ± 13.2 years, 53.3% M). The chart audit population was then individually linked on an individual patient basis for laboratory testing, physician visits billed through OHIP, hospitalizations and emergency room visits using Ontario health card numbers to health administrative data from the Ministry of Health and Long-Term Care at the Institute for Clinical and Evaluative Sciences (ICES). Results Retained and defaulted patients had significantly longer duration of diabetes, more microvascular complications, were more likely to be on insulin and less likely to have a HbA1c < 7.0% than patients discharged from clinic. A significantly lower proportion of patients who defaulted from tertiary care received recommended monitoring for their diabetes (HbA1c measurements, lipid measurements, and periodic eye examinations), despite no difference in median number of visits to a primary care provider (PCP). Emergency room

  10. Default Mode of Brain Function in Monkeys

    PubMed Central

    Mantini, Dante; Gerits, Annelis; Nelissen, Koen; Durand, Jean-Baptiste; Joly, Olivier; Simone, Luciano; Sawamura, Hiromasa; Wardak, Claire; Orban, Guy A.; Buckner, Randy L.; Vanduffel, Wim

    2013-01-01

    Human neuroimaging has revealed a specific network of brain regions—the default-mode network (DMN)—that reduces its activity during goal-directed behavior. So far, evidence for a similar network in monkeys is mainly indirect, since, except for one positron emission tomography study, it is all based on functional connectivity analysis rather than activity increases during passive task states. Here, we tested whether a consistent DMN exists in monkeys using its defining property. We performed a meta-analysis of functional magnetic resonance imaging data collected in 10 awake monkeys to reveal areas in which activity consistently decreases when task demands shift from passive tasks to externally oriented processing. We observed task-related spatially specific deactivations across 15 experiments, implying in the monkey a functional equivalent of the human DMN. We revealed by resting-state connectivity that prefrontal and medial parietal regions, including areas 9/46d and 31, respectively, constitute the DMN core, being functionally connected to all other DMN areas. We also detected two distinct subsystems composed of DMN areas with stronger functional connections between each other. These clusters included areas 24/32, 8b, and TPOC and areas 23, v23, and PGm, respectively. Such a pattern of functional connectivity largely fits, but is not completely consistent with anatomical tract tracing data in monkeys. Also, analysis of afferent and efferent connections between DMN areas suggests a multisynaptic network structure. Like humans, monkeys increase activity during passive epochs in heteromodal and limbic association regions, suggesting that they also default to internal modes of processing when not actively interacting with the environment. PMID:21900574

  11. A time-domain digitally controlled oscillator composed of a free running ring oscillator and flying-adder

    NASA Astrophysics Data System (ADS)

    Wei, Liu; Wei, Li; Peng, Ren; Qinglong, Lin; Shengdong, Zhang; Yangyuan, Wang

    2009-09-01

    A time-domain digitally controlled oscillator (DCO) is proposed. The DCO is composed of a free-running ring oscillator (FRO) and a two lap-selectors integrated flying-adder (FA). With a coiled cell array which allows uniform loading capacitances of the delay cells, the FRO produces 32 outputs with consistent tap spacing for the FA as reference clocks. The FA uses the outputs from the FRO to generate the output of the DCO according to the control number, resulting in a linear dependence of the output period, instead of the frequency on the digital controlling word input. Thus the proposed DCO ensures a good conversion linearity in a time-domain, and is suitable for time-domain all-digital phase locked loop applications. The DCO was implemented in a standard 0.13 μm digital logic CMOS process. The measurement results show that the DCO has a linear and monotonic tuning curve with gain variation of less than 10%, and a very low root mean square period jitter of 9.3 ps in the output clocks. The DCO works well at supply voltages ranging from 0.6 to 1.2 V, and consumes 4 mW of power with 500 MHz frequency output at 1.2 V supply voltage.

  12. 48 CFR 1652.249-72 - FEHBP termination for default-negotiated benefits contracts.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 48 Federal Acquisition Regulations System 6 2014-10-01 2014-10-01 false FEHBP termination for default-negotiated benefits contracts. 1652.249-72 Section 1652.249-72 Federal Acquisition Regulations System OFFICE OF PERSONNEL MANAGEMENT FEDERAL EMPLOYEES HEALTH BENEFITS ACQUISITION REGULATION CLAUSES...

  13. Measuring the default risk of sovereign debt from the perspective of network

    NASA Astrophysics Data System (ADS)

    Chuang, Hongwei; Ho, Hwai-Chung

    2013-05-01

    Recently, there has been a growing interest in network research, especially in the fields of biology, computer science, and sociology. It is natural to address complex financial issues such as the European sovereign debt crisis from the perspective of network. In this article, we construct a network model according to the debt-credit relations instead of using the conventional methodology to measure the default risk. Based on the model, a risk index is examined using the quarterly report of consolidated foreign claims from the Bank for International Settlements (BIS) and debt/GDP ratios among these reporting countries. The empirical results show that this index can help the regulators and practitioners not only to determine the status of interconnectivity but also to point out the degree of the sovereign debt default risk. Our approach sheds new light on the investigation of quantifying the systemic risk.

  14. I'm still standing: A longitudinal study on the effect of a default nudge.

    PubMed

    Venema, Tina A G; Kroese, Floor M; De Ridder, Denise T D

    2018-05-01

    This study assessed the effect of a default nudge to reduce sedentary behaviour at work over time. A field study was conducted at a governmental organisation. In the present study, the default setting of sit-stand desks (SSDs) was changed from sitting to standing height during a two-week intervention. Stand-up working rates were calculated based on observations that were done prior to, during, two weeks after and two months after the intervention. Additionally, a pre-measure survey (n = 606) and post-measure survey (n = 354) were completed. Intention and social norms concerning stand-up working were compared for the 183 employees who completed both pre- and post-assessments (45.4% female, M age  = 44.21). Stand-up working rates raised from 1.82% in the baseline to 13.13% during the intervention. After the nudge was removed the percentage was 10.01% after two weeks and 7.78% after two months. A multilevel analysis indicated a significant increase in both intention and social norms after the nudge intervention. This study shows that a default nudge can increase stand-up working rates in offices with SSDs at least until two months after the nudge intervention.

  15. Increasing the default interletter spacing of words can help drivers to read traffic signs at longer distances.

    PubMed

    Tejero, Pilar; Insa, Beatriz; Roca, Javier

    2018-08-01

    Would an increase in the default interletter spacing improve the legibility of words in traffic signs? Previous evidence on traffic sign design and recent studies on the cognitive processes involved in visual word recognition have provided conflicting results. The present work examined whether an increase in the default interletter spacing would improve the search of a word in direction traffic signs. To achieve this objective, twenty-two drivers participated in a driving simulation experiment. They followed a highway route and indicated whether a target place name was present among a set of distractors shown on direction traffic signs along the route. We compared the default interletter spacing of the Spanish "CC Rige" font (which is based on the internationally-used Transport font) and a 2.5-times expanded interletter spacing. The results revealed that the drivers were able to give a correct response at a distance to the traffic sign that was on average longer in the expanded than in the default spacing condition. This advantage in the legibility distance was observed in the absence of significant differences in reading accuracy, gaze behavior, or driving performance measures. Therefore, the evidence provided supports that drivers can benefit from a slight increase in interletter spacing relative to the standard spacing. Some of the design factors influencing this effect are discussed. Copyright © 2018 Elsevier Ltd. All rights reserved.

  16. 7 CFR 1493.300 - Notice of default and claims for loss.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... CORPORATION, DEPARTMENT OF AGRICULTURE EXPORT PROGRAMS CCC EXPORT CREDIT GUARANTEE PROGRAMS CCC Facility... notice of default to CCC as soon as possible, but not later than ten days after the date that payment was... Treasurer, CCC, at the address specified in the Contacts P/R. If the exporter or the exporter's assignee...

  17. 7 CFR 1493.300 - Notice of default and claims for loss.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... CORPORATION, DEPARTMENT OF AGRICULTURE EXPORT PROGRAMS CCC EXPORT CREDIT GUARANTEE PROGRAMS CCC Facility... notice of default to CCC as soon as possible, but not later than ten days after the date that payment was... Treasurer, CCC, at the address specified in the Contacts P/R. If the exporter or the exporter's assignee...

  18. 7 CFR 1493.300 - Notice of default and claims for loss.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... CORPORATION, DEPARTMENT OF AGRICULTURE EXPORT PROGRAMS CCC EXPORT CREDIT GUARANTEE PROGRAMS CCC Facility... notice of default to CCC as soon as possible, but not later than ten days after the date that payment was... Treasurer, CCC, at the address specified in the Contacts P/R. If the exporter or the exporter's assignee...

  19. Creativity and the default network: A functional connectivity analysis of the creative brain at rest.

    PubMed

    Beaty, Roger E; Benedek, Mathias; Wilkins, Robin W; Jauk, Emanuel; Fink, Andreas; Silvia, Paul J; Hodges, Donald A; Koschutnig, Karl; Neubauer, Aljoscha C

    2014-11-01

    The present research used resting-state functional magnetic resonance imaging (fMRI) to examine whether the ability to generate creative ideas corresponds to differences in the intrinsic organization of functional networks in the brain. We examined the functional connectivity between regions commonly implicated in neuroimaging studies of divergent thinking, including the inferior prefrontal cortex and the core hubs of the default network. Participants were prescreened on a battery of divergent thinking tests and assigned to high- and low-creative groups based on task performance. Seed-based functional connectivity analysis revealed greater connectivity between the left inferior frontal gyrus (IFG) and the entire default mode network in the high-creative group. The right IFG also showed greater functional connectivity with bilateral inferior parietal cortex and the left dorsolateral prefrontal cortex in the high-creative group. The results suggest that the ability to generate creative ideas is characterized by increased functional connectivity between the inferior prefrontal cortex and the default network, pointing to a greater cooperation between brain regions associated with cognitive control and low-level imaginative processes. Copyright © 2014 The Authors. Published by Elsevier Ltd.. All rights reserved.

  20. Using Eulerian video magnification to enhance detection of fasciculations in people with amyotrophic lateral sclerosis.

    PubMed

    Van Hillegondsberg, Ludo; Carr, Jonathan; Brey, Naeem; Henning, Franclo

    2017-12-01

    This study seeks to determine whether the use of Eulerian video magnification (EVM) increases the detection of muscle fasciculations in people with amyotrophic lateral sclerosis (PALS) compared with direct clinical observation (DCO). Thirty-second-long video recordings were taken of 9 body regions of 7 PALS and 7 controls, and fasciculations were counted by DCO during the same 30-s period. The video recordings were then motion magnified and reviewed by 2 independent assessors. In PALS, median fasciculation count per body region was 1 by DCO (range 0-10) and 3 in the EVM recordings (range 0-15; P < 0.0001). EVM revealed more fasciculations than DCO in 61% of recordings. In controls, median fasciculation count was 0 for both DCO and EVM. Compared with DCO, EVM significantly increased the detection of fasciculations in body regions of PALS. When it is used to supplement clinical examination, EVM has the potential to facilitate the diagnosis of ALS. Muscle Nerve 56: 1063-1067, 2017. © 2017 Wiley Periodicals, Inc.

  1. Production of bio-hydrogenated diesel by catalytic hydrotreating of palm oil over NiMoS2/γ-Al2O3 catalyst.

    PubMed

    Srifa, Atthapon; Faungnawakij, Kajornsak; Itthibenchapong, Vorranutch; Viriya-Empikul, Nawin; Charinpanitkul, Tawatchai; Assabumrungrat, Suttichai

    2014-04-01

    Catalytic hydrotreating of palm oil (refined palm olein type) to produce bio-hydrogenated diesel (BHD) was carried out in a continuous-flow fixed-bed reactor over NiMoS2/γ-Al2O3 catalyst. Effects of dominant hydrotreating parameters: temperature: 270-420°C; H2 pressure: 15-80 bar; LHSV: 0.25-5.0 h(-1); and H2/oil ratio: 250-2000 N(cm(3)/cm(3)) on the conversion, product yield, and a contribution of hydrodeoxygenation (HDO) and decarbonylation/decarboxylation (DCO/DCO2) were investigated to find the optimal hydrotreating conditions. All calculations including product yield and the contribution of HDO and DCO/DCO2 were extremely estimated based on mole balance corresponding to the fatty acid composition in feed to fully understand deoxygenation behaviors at different conditions. These analyses demonstrated that HDO, DCO, and DCO2 reactions competitively occurred at each condition, and had different optimal and limiting conditions. The differences in the hydrotreating reactions, liquid product compositions, and gas product composition were also discussed. Copyright © 2014 Elsevier Ltd. All rights reserved.

  2. A unified 3D default space consciousness model combining neurological and physiological processes that underlie conscious experience

    PubMed Central

    Jerath, Ravinder; Crawford, Molly W.; Barnes, Vernon A.

    2015-01-01

    The Global Workspace Theory and Information Integration Theory are two of the most currently accepted consciousness models; however, these models do not address many aspects of conscious experience. We compare these models to our previously proposed consciousness model in which the thalamus fills-in processed sensory information from corticothalamic feedback loops within a proposed 3D default space, resulting in the recreation of the internal and external worlds within the mind. This 3D default space is composed of all cells of the body, which communicate via gap junctions and electrical potentials to create this unified space. We use 3D illustrations to explain how both visual and non-visual sensory information may be filled-in within this dynamic space, creating a unified seamless conscious experience. This neural sensory memory space is likely generated by baseline neural oscillatory activity from the default mode network, other salient networks, brainstem, and reticular activating system. PMID:26379573

  3. Grading the probabilities of credit default risk for Malaysian listed companies by using the KMV-Merton model

    NASA Astrophysics Data System (ADS)

    Anuwar, Muhammad Hafidz; Jaffar, Maheran Mohd

    2017-08-01

    This paper provides an overview for the assessment of credit risk specific to the banks. In finance, risk is a term to reflect the potential of financial loss. The risk of default on loan may increase when a company does not make a payment on that loan when the time comes. Hence, this framework analyses the KMV-Merton model to estimate the probabilities of default for Malaysian listed companies. In this way, banks can verify the ability of companies to meet their loan commitments in order to overcome bad investments and financial losses. This model has been applied to all Malaysian listed companies in Bursa Malaysia for estimating the credit default probabilities of companies and compare with the rating given by the rating agency, which is RAM Holdings Berhad to conform to reality. Then, the significance of this study is a credit risk grade is proposed by using the KMV-Merton model for the Malaysian listed companies.

  4. Multimodal Imaging of Alzheimer Pathophysiology in the Brain's Default Mode Network

    DOE PAGES

    Shin, Jonghan; Kepe, Vladimir; Small, Gary W.; ...

    2011-01-01

    The spatial correlations between the brain's default mode network (DMN) and the brain regions known to develop pathophysiology in Alzheimer's disease (AD) have recently attracted much attention. In this paper, we compare results of different functional and structural imaging modalities, including MRI and PET, and highlight different patterns of anomalies observed within the DMN. Multitracer PET imaging in subjects with and without dementia has demonstrated that [C-11]PIB- and [F-18]FDDNP-binding patterns in patients with AD overlap within nodes of the brain's default network including the prefrontal, lateral parietal, lateral temporal, and posterior cingulate cortices, with the exception of the medial temporalmore » cortex (especially, the hippocampus) where significant discrepancy between increased [F-18]FDDNP binding and negligible [C-11]PIB-binding was observed. [F-18]FDDNP binding in the medial temporal cortex—a key constituent of the DMN—coincides with both the presence of amyloid and tau pathology, and also with cortical areas with maximal atrophy as demonstrated by T1-weighted MR imaging of AD patients.« less

  5. 34 CFR 674.50 - Assignment of defaulted loans to the United States.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 34 Education 3 2011-07-01 2011-07-01 false Assignment of defaulted loans to the United States. 674.50 Section 674.50 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION FEDERAL PERKINS LOAN PROGRAM Due Diligence...

  6. Default-Mode-Like Network Activation in Awake Rodents

    PubMed Central

    Upadhyay, Jaymin; Baker, Scott J.; Chandran, Prasant; Miller, Loan; Lee, Younglim; Marek, Gerard J.; Sakoglu, Unal; Chin, Chih-Liang; Luo, Feng; Fox, Gerard B.; Day, Mark

    2011-01-01

    During wakefulness and in absence of performing tasks or sensory processing, the default-mode network (DMN), an intrinsic central nervous system (CNS) network, is in an active state. Non-human primate and human CNS imaging studies have identified the DMN in these two species. Clinical imaging studies have shown that the pattern of activity within the DMN is often modulated in various disease states (e.g., Alzheimer's, schizophrenia or chronic pain). However, whether the DMN exists in awake rodents has not been characterized. The current data provides evidence that awake rodents also possess ‘DMN-like’ functional connectivity, but only subsequent to habituation to what is initially a novel magnetic resonance imaging (MRI) environment as well as physical restraint. Specifically, the habituation process spanned across four separate scanning sessions (Day 2, 4, 6 and 8). At Day 8, significant (p<0.05) functional connectivity was observed amongst structures such as the anterior cingulate (seed region), retrosplenial, parietal, and hippocampal cortices. Prior to habituation (Day 2), functional connectivity was only detected (p<0.05) amongst CNS structures known to mediate anxiety (i.e., anterior cingulate (seed region), posterior hypothalamic area, amygdala and parabracial nucleus). In relating functional connectivity between cingulate-default-mode and cingulate-anxiety structures across Days 2-8, a significant inverse relationship (r = −0.65, p = 0.0004) was observed between these two functional interactions such that increased cingulate-DMN connectivity corresponded to decreased cingulate anxiety network connectivity. This investigation demonstrates that the cingulate is an important component of both the rodent DMN-like and anxiety networks. PMID:22125628

  7. Magnetic vestibular stimulation modulates default mode network fluctuations.

    PubMed

    Boegle, Rainer; Stephan, Thomas; Ertl, Matthias; Glasauer, Stefan; Dieterich, Marianne

    2016-02-15

    Strong magnetic fields (>1 Tesla) can cause dizziness and it was recently shown that healthy subjects (resting in total darkness) developed a persistent nystagmus even when remaining completely motionless within a MR tomograph. Consequently, it was speculated that this magnetic vestibular stimulation (MVS) might influence fMRI results, as nystagmus is indicative of an imbalance in the vestibular system, potentially influencing other systems via multisensory vestibular interactions. The objective of our study was to investigate whether MVS does indeed modulate BOLD signal fluctuations. We recorded eye movements, as well as, resting-state fMRI of 30 volunteers in darkness at 1.5 T and 3.0 T to answer the question whether MVS modulated parts of the default mode resting-state network (DMN) in accordance with the Lorentz-force model for MVS, while distinguishing this from the known signal increase due to field strength related imaging effects. Our results showed that modulation of the default mode network occurred mainly in areas associated with vestibular and ocular motor function, and was in accordance with the Lorentz-force model, i.e., double than the expected signal scaling due to field strength alone. We discuss the implications of our findings for the interpretation of studies using resting-state fMRI, especially those concerning vestibular research. We conclude that MVS needs to be considered in vestibular research to avoid biased results, but it might also offer the possibility of manipulating network dynamics and may thus help in studying the brain as a dynamical system. Copyright © 2015 Elsevier Inc. All rights reserved.

  8. 24 CFR 27.105 - Service of Notice of Default and Foreclosure Sale.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 24 Housing and Urban Development 1 2010-04-01 2010-04-01 false Service of Notice of Default and Foreclosure Sale. 27.105 Section 27.105 Housing and Urban Development Office of the Secretary, Department of Housing and Urban Development NONJUDICIAL FORECLOSURE OF MULTIFAMILY AND SINGLE FAMILY MORTGAGES...

  9. Why do Patients undergoing Chronic Obstructive Pulmonary Disease Treatment Turn Defaulters? A Follow up Study in a Tertiary Care Hospital in Jamnagar, India.

    PubMed

    Sarkar, Amrita; Javia, Abhay; Pithadia, Pradeep; Parmar, Dipesh

    2017-07-01

    Chronic Obstructive Pulmonary Disease (COPD), a progressive respiratory illness requiring long-term treatment, is a significant cause of morbidity, mortality and economic burden on the family as well as the country. In the tertiary health care facility where the study was carried out, it was observed that many COPD patients did not come for regular follow up. In these patients, treatment interruption may lead to increased morbidity and mortality. This study aimed to find out the reasons for defaulting follow up and treatment in COPD patients. All patients of COPD, attending TB Chest outpatient department during the study period (September 2012 to February 2013), were classified into Group A, B, C, and D according to latest Global Initiative for Chronic Obstructive Lung Disease (GOLD) guidelines. Data was collected on patient's sociodemographic profile, severity of disease and reasons for defaulting follow up and treatment using pre-tested semi-structured questionnaires, patient history and clinical examination. Data obtained were entered in Microsoft Office Excel 2007 and analysed using Chi-square test. The mean age of the 200 patients recruited was 59.3 years. A total of 87% patients were male. Patients belonging to Group A, B, C and D were 11%, 25.5%, 41.5% and 22% respectively. Overall, 32% patients were defaulters. Three main reasons for default were non-affordability for treatment expenses (39.07%), resolution of symptoms (26.56%), and too ill to come (18.75%). The associations between default rate and demographic variables like age and gender were found statistically significant. Default rate among COPD patients is significantly associated with GOLD Group A and D, patient's income and patient literacy level. Main reasons for default were non-affordability of treatment expenses, too ill to come and resolution of symptoms.

  10. Neural network topology in ADHD; evidence for maturational delay and default-mode network alterations.

    PubMed

    Janssen, T W P; Hillebrand, A; Gouw, A; Geladé, K; Van Mourik, R; Maras, A; Oosterlaan, J

    2017-11-01

    Attention-deficit/hyperactivity disorder (ADHD) has been associated with widespread brain abnormalities in white and grey matter, affecting not only local, but global functional networks as well. In this study, we explored these functional networks using source-reconstructed electroencephalography in ADHD and typically developing (TD) children. We expected evidence for maturational delay, with underlying abnormalities in the default mode network. Electroencephalograms were recorded in ADHD (n=42) and TD (n=43) during rest, and functional connectivity (phase lag index) and graph (minimum spanning tree) parameters were derived. Dependent variables were global and local network metrics in theta, alpha and beta bands. We found evidence for a more centralized functional network in ADHD compared to TD children, with decreased diameter in the alpha band (η p 2 =0.06) and increased leaf fraction (η p 2 =0.11 and 0.08) in the alpha and beta bands, with underlying abnormalities in hub regions of the brain, including default mode network. The finding of a more centralized network is in line with maturational delay models of ADHD and should be replicated in longitudinal designs. This study contributes to the literature by combining high temporal and spatial resolution to construct EEG network topology, and associates maturational-delay and default-mode interference hypotheses of ADHD. Copyright © 2017 International Federation of Clinical Neurophysiology. Published by Elsevier B.V. All rights reserved.

  11. Combination of DTI and fMRI reveals the white matter changes correlating with the decline of default-mode network activity in Alzheimer's disease

    NASA Astrophysics Data System (ADS)

    Wu, Xianjun; Di, Qian; Li, Yao; Zhao, Xiaojie

    2009-02-01

    Recently, evidences from fMRI studies have shown that there was decreased activity among the default-mode network in Alzheimer's disease (AD), and DTI researches also demonstrated that demyelinations exist in white matter of AD patients. Therefore, combining these two MRI methods may help to reveal the relationship between white matter damages and alterations of the resting state functional connectivity network. In the present study, we tried to address this issue by means of correlation analysis between DTI and resting state fMRI images. The default-mode networks of AD and normal control groups were compared to find the areas with significantly declined activity firstly. Then, the white matter regions whose fractional anisotropy (FA) value correlated with this decline were located through multiple regressions between the FA values and the BOLD response of the default networks. Among these correlating white matter regions, those whose FA values also declined were found by a group comparison between AD patients and healthy elderly control subjects. Our results showed that the areas with decreased activity among default-mode network included left posterior cingulated cortex (PCC), left medial temporal gyrus et al. And the damaged white matter areas correlated with the default-mode network alterations were located around left sub-gyral temporal lobe. These changes may relate to the decreased connectivity between PCC and medial temporal lobe (MTL), and thus correlate with the deficiency of default-mode network activity.

  12. Distinct effects of reminding mortality and physical pain on the default-mode activity and activity underlying self-reflection.

    PubMed

    Shi, Zhenhao; Han, Shihui

    2018-06-01

    Behavioral research suggests that reminding both mortality and negative affect influences self-related thoughts. Using functional magnetic resonance imaging (MRI), we tested the hypothesis that reminders of mortality and physical pain decrease brain activity underlying self-related thoughts. Three groups of adults underwent priming procedures during which they answered questions pertaining to mortality, physical pain, or leisure time, respectively. Before and after priming, participants performed personality trait judgments on oneself or a celebrity, identified the font of words, or passively viewed a fixation. The default-mode activity and neural activity underlying self-reflection were identified by contrasting viewing a fixation vs. font judgment and trait judgments on oneself vs. a celebrity, respectively. The analyses of the pre-priming functional MRI (fMRI) data identified the default-mode activity in the posterior cingulate cortex (PCC), ventral medial prefrontal cortex (MPFC), and parahippocampal gyrus, and the activity underlying instructed self-reflection in both the ventral and dorsal regions of the MPFC. The analyses of the post-priming fMRI data revealed that, relative to leisure time priming, reminding mortality significantly reduced the default-mode PCC activity, and reminding physical pain significantly decreased the dorsal MPFC activity during instructed self-reflection. Our findings suggest distinct neural underpinnings of the effect of reminding morality and aversive emotion on default-mode and instructed self-reflection.

  13. 17 CFR 230.239T - Temporary exemption for eligible credit default swaps.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... be delivered if there is a credit-related event or whose value is used to determine the amount of the... a payout if there is a default or other credit event involving identified obligation(s) or... agreement; (iii) Notional amount upon which payment obligations are calculated; (iv) Credit-related events...

  14. Specialization in the default mode: Task-induced brain deactivations dissociate between visual working memory and attention.

    PubMed

    Mayer, Jutta S; Roebroeck, Alard; Maurer, Konrad; Linden, David E J

    2010-01-01

    The idea of an organized mode of brain function that is present as default state and suspended during goal-directed behaviors has recently gained much interest in the study of human brain function. The default mode hypothesis is based on the repeated observation that certain brain areas show task-induced deactivations across a wide range of cognitive tasks. In this event-related functional resonance imaging study we tested the default mode hypothesis by comparing common and selective patterns of BOLD deactivation in response to the demands on visual attention and working memory (WM) that were independently modulated within one task. The results revealed task-induced deactivations within regions of the default mode network (DMN) with a segregation of areas that were additively deactivated by an increase in the demands on both attention and WM, and areas that were selectively deactivated by either high attentional demand or WM load. Attention-selective deactivations appeared in the left ventrolateral and medial prefrontal cortex and the left lateral temporal cortex. Conversely, WM-selective deactivations were found predominantly in the right hemisphere including the medial-parietal, the lateral temporo-parietal, and the medial prefrontal cortex. Moreover, during WM encoding deactivated regions showed task-specific functional connectivity. These findings demonstrate that task-induced deactivations within parts of the DMN depend on the specific characteristics of the attention and WM components of the task. The DMN can thus be subdivided into a set of brain regions that deactivate indiscriminately in response to cognitive demand ("the core DMN") and a part whose deactivation depends on the specific task. 2009 Wiley-Liss, Inc.

  15. Multivariate Analysis of Student Loan Defaulters at Texas A&M University--Kingsville

    ERIC Educational Resources Information Center

    Barone, Sandra; Steiner, Matt; Teszler, Natali

    2005-01-01

    This study examines the default behavior of 5,177 undergraduate student borrowers who attended Texas A&M University--Kingsville (TAMUK) and entered repayment of their TG-guaranteed Federal Family Education Loan Program (FFELP) loans between October 1, 1998 and September 30, 2002 (fiscal years 1999-2002). Using the Department of Education's…

  16. Multivariate Analysis of Student Loan Defaulters at Prairie View A&M University

    ERIC Educational Resources Information Center

    Barone, Sandra

    2006-01-01

    This study examines the default behavior of 3,325 undergraduate student borrowers who attended Prairie View A&M University (PVAMU) and entered repayment on their TG-guaranteed Federal Family Education Loan Program (FFELP) loans between October 1, 2000 and September 30, 2002 (fiscal years 2001-2002). Using the Department of Education's official…

  17. A risk-adapted approach is beneficial in the management of bilateral femoral shaft fractures in multiple trauma patients: an analysis based on the trauma registry of the German Trauma Society.

    PubMed

    Steinhausen, Eva; Lefering, Rolf; Tjardes, Thorsten; Neugebauer, Edmund A M; Bouillon, Bertil; Rixen, Dieter

    2014-05-01

    Today, there is a trend toward damage-control orthopedics (DCO) in the management of multiple trauma patients with long bone fractures. However, there is no widely accepted concept. A risk-adapted approach seems to result in low acute morbidity and mortality. Multiple trauma patients with bilateral femoral shaft fractures (FSFs) are considered to be more severely injured. The objective of this study was to validate the risk-adapted approach in the management of multiple trauma patients with bilateral FSF. Data analysis is based on the trauma registry of the German Trauma Society (1993-2008, n = 42,248). Multiple trauma patients with bilateral FSF were analyzed in subgroups according to the type of primary operative strategy. Outcome parameters were mortality and major complications as (multiple) organ failure and sepsis. A total of 379 patients with bilateral FSF were divided into four groups as follows: (1) no operation (8.4%), (2) bilateral temporary external fixation (DCO) (50.9%), bilateral primary definitive osteosynthesis (early total care [ETC]) (25.1%), and primary definitive osteosynthesis of one FSF and DCO contralaterally (mixed) (15.6%). Compared with the ETC group, the DCO group was more severely injured. The incidence of (multiple) organ failure and mortality rates were higher in the DCO group but without significance. Adjusted for injury severity, there was no significant difference of mortality rates between DCO and ETC. Injury severity and mortality rates were significantly increased in the no-operation group. The mixed group was similar to the ETC group regarding injury severity and outcome. In Germany, both DCO and ETC are practiced in multiple trauma patients with bilateral FSF so far. The unstable or potentially unstable patient is reasonably treated with DCO. The clearly stable patient is reasonably treated with nailing. When in doubt, the patient is probably not totally stable, and the safest precaution may be to use DCO as a risk

  18. Culture-related differences in default network activity during visuo-spatial judgments.

    PubMed

    Goh, Joshua O S; Hebrank, Andrew C; Sutton, Bradley P; Chee, Michael W L; Sim, Sam K Y; Park, Denise C

    2013-02-01

    Studies on culture-related differences in cognition have shown that Westerners attend more to object-related information, whereas East Asians attend more to contextual information. Neural correlates of these different culture-related visual processing styles have been reported in the ventral-visual and fronto-parietal regions. We conducted an fMRI study of East Asians and Westerners on a visuospatial judgment task that involved relative, contextual judgments, which are typically more challenging for Westerners. Participants judged the relative distances between a dot and a line in visual stimuli during task blocks and alternated finger presses during control blocks. Behaviorally, East Asians responded faster than Westerners, reflecting greater ease of the task for East Asians. In response to the greater task difficulty, Westerners showed greater neural engagement compared to East Asians in frontal, parietal, and occipital areas. Moreover, Westerners also showed greater suppression of the default network-a brain network that is suppressed under condition of high cognitive challenge. This study demonstrates for the first time that cultural differences in visual attention during a cognitive task are manifested both by differences in activation in fronto-parietal regions as well as suppression in default regions.

  19. Low power digitally controlled oscillator designs with a novel 3-transistor XNOR gate

    NASA Astrophysics Data System (ADS)

    Kumar, Manoj; Arya, Sandeep K.; Pandey, Sujata

    2012-03-01

    Digital controlled oscillators (DCOs) are the core of all digital phase locked loop (ADPLL) circuits. Here, DCO structures with reduced hardware and power consumption having full digital control have been proposed. Three different DCO architectures have been proposed based on ring based topology. Three, four and five bit controlled DCO with NMOS, PMOS and NMOS & PMOS transistor switching networks are presented. A three-transistor XNOR gate has been used as the inverter which is used as the delay cell. Delay has been controlled digitally with a switch network of NMOS and PMOS transistors. The three bit DCO with one NMOS network shows frequency variations of 1.6141-1.8790 GHz with power consumption variations 251.9224-276.8591 μW. The four bit DCO with one NMOS network shows frequency variation of 1.6229-1.8868 GHz with varying power consumption of 251.9225-278.0740 μW. A six bit DCO with one NMOS switching network gave an output frequency of 1.7237-1.8962 GHz with power consumption of 251.928-278.998 μW. Output frequency and power consumption results for 4 & 6 bit DCO circuits with one PMOS and NMOS & PMOS switching network have also been presented. The phase noise parameter with an offset frequency of 1 MHz has also been reported for the proposed circuits. Comparisons with earlier reported circuits have been made and the present approach shows advantages over previous circuits.

  20. Application of a fluidized bed reactor charged with aragonite for control of alkalinity, pH and carbon dioxide in marine recirculating aquaculture systems

    USGS Publications Warehouse

    Paul S Wills, PhD; Pfeiffer, Timothy; Baptiste, Richard; Watten, Barnaby J.

    2016-01-01

    Control of alkalinity, dissolved carbon dioxide (dCO2), and pH are critical in marine recirculating aquaculture systems (RAS) in order to maintain health and maximize growth. A small-scale prototype aragonite sand filled fluidized bed reactor was tested under varying conditions of alkalinity and dCO2 to develop and model the response of dCO2 across the reactor. A large-scale reactor was then incorporated into an operating marine recirculating aquaculture system to observe the reactor as the system moved toward equilibrium. The relationship between alkalinity dCO2, and pH across the reactor are described by multiple regression equations. The change in dCO2 across the small-scale reactor indicated a strong likelihood that an equilibrium alkalinity would be maintained by using a fluidized bed aragonite reactor. The large-scale reactor verified this observation and established equilibrium at an alkalinity of approximately 135 mg/L as CaCO3, dCO2 of 9 mg/L, and a pH of 7.0 within 4 days that was stable during a 14 day test period. The fluidized bed aragonite reactor has the potential to simplify alkalinity and pH control, and aid in dCO2 control in RAS design and operation. Aragonite sand, purchased in bulk, is less expensive than sodium bicarbonate and could reduce overall operating production costs.