Digital Commons Network^™

Credit Scoring Duality, Pamela Foohey, Sara Sternberg Greene

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Credit scoring is central to people’s financial growth and prosperity or financial decline and stagnation. People with a good credit score and accompanying credit report can buy opportunities to advance economically. The benefits they reap from their attractiveness to lenders and employers helps feed their future success. In contrast, people with a fair or poor credit score become stuck in cycle of high interest rates and costly loan terms, large required down payments, and denied applications for rentals, cell phone plans, and employment. Employers, service providers, lenders, and alternative financial service providers have begun to use alternative credit scoring models, …

Fluctuating Temperature Modifies Heat-Mortality Association Around The Globe, Yao Wu, Bo Wen, Shanshan Li, Antonio Gasparrini, Shilu Tong, Ala Overcenco, Aleš Urban, Alexandra Schneider, Alireza Entezari, Ana Maria Vicedo-Cabrera, Antonella Zanobetti, Antonis Analitis, Ariana Zeka, Aurelio Tobias, Barrack Alahmad, Ben Armstrong, Bertil Forsberg, Carmen Íñiguez, Caroline Ameling, César De La Cruz Valencia, Chrisofer Åström, Danny Houthuijs, Do Van Dung, Dominic Royé, Ene Indermitte, Eric Lavigne, Fatemeh Mayvaneh, Fiorella Acquaotta, Francesca De’Donato, Francesco Sera, Gabriel Carrasco-Escobar, Haidong Kan, Hans Orru, Ho Kim, Iulian-Horia Holobaca, Jan Kyselý, Joana Madureira, Joel Schwartz, Klea Katsouyanni, Magali Hurtado-Diaz, Martina S. Ragettli, Masahiro Hashizume, Mathilde Pascal, Micheline De Sousa Zanotti Stagliorio Coélho, Noah Scovronick, Paola Michelozzi, Patrick J. Goodman, Paulo Hilario Nascimento Saldiva, Rosana Abrutzky, Samuel Osorio, Tran Ngoc Dang, Valentina Colistro, Veronika Huber, Whanhee Lee, Xerxes Seposo, Yasushi Honda, Michelle L. Bell, Yuming Guo

Articles

Studies have investigated the effects of heat and temperature variability (TV) on mortality. However, few assessed whether TV modifies the heat-mortality association. Data on daily temperature and mortality in the warm season were collected from 717 locations across 36 countries. TV was calculated as the standard deviation of the average of the same and previous days’ minimum and maximum temperatures. We used location-specific quasi-Poisson regression models with an interaction term between the cross-basis term for mean temperature and quartiles of TV to obtain heat-mortality associations under each quartile of TV, and then pooled estimates at the country, regional, and global …

Investigation Of The Suitability Of A Commercial Radiation Sensor For Pretherapy Dosimetry Of Radioiodine Treatment Patients, Janet O'Callaghan, Dervil Cody, Jennie Cody

Articles

Radioiodine (I-131) therapy is routinely used to treat conditions of the thyroid. Dosimetry planning in advance of I-131 therapy has been shown to improve patient treatment outcomes. However, this pretherapy dosimetry step requires multiple outpatient appointments and is not feasible for patients living at greater distances. Here, the feasibility of a commercially available smartphone-operated radiation sensor (Smart Geiger Pro, Technonia) for at-home patient pretherapy dosimetry has been investigated. The influence of both treatment-specific parameters (radioisotope activity, gamma photon energy, patient size) and external factors (sensor placement and motion) on the ability of the radiation sensor to accurately quantify radiation dose …

Infrared Spectroscopy Is Suitable For Objective Assessment Of Articular Cartilage Health, V. Virtanen, V. Tafintseva, R. Shaikh, E. Nippolainen, J. Haas, I. O. Afara, J. Töyräs, H. Kröger, J. Solheim, B. Zimmermann, A. Kohler, B. Mizaikoff, M. Finnilä, L. Rieppo, S. Saarakkala

Articles

Objective: To evaluate the feasibility of Fourier transform infrared attenuated total reflectance (FTIR-ATR) spectroscopy to detect cartilage degradation due to osteoarthritis and to validate the methodology with osteochondral human cartilage samples for future development towards clinical use. Design: Cylindrical (d ​= ​4 ​mm) osteochondral samples (n ​= ​349) were prepared from nine human cadavers and measured with FTIR-ATR spectroscopy. Afterwards, the samples were assessed with Osteoarthritis Research Society International (OARSI) osteoarthritis cartilage histopathology assessment system and divided into two groups: 1) healthy (OARSI 0–2) and 2) osteoarthritic (OARSI 2.5–6). The classification was done with partial least squares discriminant analysis model …

Classification Of Cytological Samples From Oral Potentially Malignant Lesions Through Raman Spectroscopy: A Pilot Study, Isha Behl, Genecy Calado, Anika Vishwakarma, Damien Traynor, Stephen Flint, Sheila Galvin, Claire M. Healy, Marina Leite Pimentel, Alison Malkin, Hugh J. Byrne, Fiona M. Lyng

Articles

The potential of Raman microspectroscopy of exfoliated cells has been demonstrated for oral cancer diagnosis. In this study, brush biopsies were collected from the buccal mucosa/tongue of healthy donors (n = 31) and from oral mucosal dysplastic lesions (n = 31 patients). Raman spectra were acquired and subjected to partial least squares-discriminant analysis (PLS-DA). The patient samples could be differentiated from healthy donor samples with 96% sensitivity and 95% specificity. Furthermore, PLS-DA models were developed based on cytopathological and histopathological assessment. Low and high grade dysplasia could be discriminated with 64% sensitivity and 65% specificity based on cytopathological assessment, while …

Synthesis Of Fast Curing, Water-Resistant And Photopolymerizable Glass For Recording Of Holographic Structures By One- And Two-Photon Lithography, Tatsiana Mikulchyk, Mohamed Oubaha, Alicja Kaworek, Brendan Duffy, Markus Lunzer, Aleksandr Ovsianikov, Sabad-E Gul, Izabela Naydenova, Dervil Cody

Articles

Advancements in hybrid sol-gel technology have provided a new class of holographic materials as photopolymerizable glasses. Recently, a number of photosensitive glass compositions with high dynamic range and high spatial resolution have been reported and their excellent capability for volume holography has been demonstrated. Nevertheless, challenges remain, particularly in relation to the processing time and environmental stability of these materials, that strongly affect the performance and durability of the fabricated holograms. State-of-the-art photopolymerizable glasses possess long curing times (few days) required to achieve thick films, thus limiting the industrial implementation of this technology and its commercial viability. This article presents …

Characterisation Of Holographic Recording In Environmentally Stable Photopolymerisable Glass, Tatsiana Mikulchyk, Pamela Stoeva, Alicja Kaworek, Mohamed Oubaha, Brian Rogers, Suzanne Martin, Dervil Cody, Izabela Naydenova

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Photopolymerisable glasses are holographic recording materials which provide good recording capability, improved dimensional stability, and negligible shrinkage. Recently, a novel photopolymerisable hybrid sol-gel (PHSG) for holographic recording of volume gratings has been reported. The PHSG has significantly improved gelation time and high water resistance, both of which make it an attractive material for mass production of holographic optical elements (HOEs) with no sensitivity to ambient humidity. In order to achieve full control over the performance of the material and further improve its properties, a study of grating formation under holographic patterning is essential. This paper reports characterisation of the grating …

A Magnetic Nanoparticle-Doped Photopolymer For Holographic Recording, Muhammad Irfan, Suzanne Martin, Muhammad Ahmed Obeidi, Scott Miller, Frank Kuster, Dermot Brabazon, Izabela Naydenova

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Functionalised holograms are important for applications utilising smart diffractive optical elements for light redirection, shaping and in the development of sensors/indicators. This paper reports on holographic recording in novel magnetic nanocomposites and the observed temperature change in dry layers and liquid samples exposed to alternating magnetic field (AMF). The nanocomposite consists of N-isopropylacrylamide (NIPA)-based polymer doped with magnetic nanoparticles (MNPs), and local heating is achieved through magnetic induction. Here, volume transmission holographic gratings (VTHGs) are recorded with up to 24% diffraction efficiency (DE) in the dry layers of magnetic nanocomposites. The dry layers and liquid samples are then exposed to …

Charge Transfer Mediated Triplet Excited State Formation In Donor-Acceptor-Donor Bodipy: Application For Recording Of Holographic Structures In Photopolymerizable Glass, Tatsiana Mikulchyk, Safakath Karuthedath, Catherine S.P. De Castro, Andrey A. Buglak, Aimee Sheehan, Aaron Wieder, FréDéRic Laquai, Izabela Naydenova, Mikhail Filatov

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Donor–acceptor–donor BODIPY triads bearing anthracene or pyrene as electron donating subunits were prepared through a stepwise synthesis. Photoinduced electron transfer and formation of long-lived triplet excited states via spin–orbit charge transfer intersystem crossing (SOCT-ISC) was studied by steady-state and ultrafast pump-probe spectroscopy and further supported by DFT computations. New BODIPYs were found to form triplet states and sensitize singlet oxygen in both polar and non-polar solvents which is unusual for photosensitizers operating via SOCT-ISC. BODIPY-anthracene triad (ABA) was used as a photosensitizer component in a photopolymerizable glass that was prepared by a four-step sol–gel process. ABA in combination with N …

Application Of Advanced Non-Linear Spectral Decomposition And Regression Methods For Spectroscopic Analysis Of Targeted And Non-Targeted Irradiation Effects In An In-Vitro Model, Ciara Slattery, Khanh Nguyen, Laura Shields, Isabel Vega Carrascal, Sean Singleton, Fiona Lyng, Brendan Mcclean, Aidan Meade

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Irradiation of the tumour site during treatment for cancer with external-beam ionising radiation results in a complex and dynamic series of effects in both the tumour itself and the normal tissue which surrounds it. The development of a spectral model of the effect of each exposure and interaction mode between these tissues would enable label free assessment of the effect of radiotherapeutic treatment in practice. In this study Fourier transform Infrared microspectroscopic imaging was employed to analyse an in-vitro model of radiotherapeutic treatment for prostate cancer, in which a normal cell line (PNT1A) was exposed to low-dose X-ray radiation from …

Biomolecular Corona Stability In Association With Plasma Cholesterol Level, Duong N. Trinh, Meda Radlinskaite, Jack Cheeseman, Gunther Kuhnle, Helen M.I. Osborn, Paula Meleady, Daniel I.R. Spencer, Marco P. Monopoli

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Biomolecular corona is spontaneously formed on the surface of nanoparticles (NPs) when they are in contact with biological fluids. It plays an important role in the colloidal stability of NPs, which is of importance for most of their medical applications and toxicity assessment. While typical studies use either blood plasma or serum from a pooled biobank, it is unclear whether differences in the media, such as cholesterol level or protein concentration, might affect the NP colloidal stability and corona composition. In this study, the silica corona was prepared at particularly low plasma concentrations (3%, v/v–1.98 mg/mL) to identify the critical …

Preclassification Of Broadband And Sparse Infrared Data By Multiplicative Signal Correction Approach, Hafeez Ur Rehman, Valeria Tafintseva, Boris Zimmermann, Johanne Heitmann Solheim, Vesa Virtanen, Rubina Shaikh, Ervin Nippolainen, Isaac Afara, Simo Saarakkala, Lassi Rieppo, Patrick Krebs, Polina Fomina, Boris Mizaikoff, Achim Kohler

Articles

Preclassification of raw infrared spectra has often been neglected in scientific literature. Separating spectra of low spectral quality, due to low signal-to-noise ratio, presence of artifacts, and low analyte presence, is crucial for accurate model development. Furthermore, it is very important for sparse data, where it becomes challenging to visually inspect spectra of different natures. Hence, a preclassification approach to separate infrared spectra for sparse data is needed. In this study, we propose a preclassification approach based on Multiplicative Signal Correction (MSC). The MSC approach was applied on human and the bovine knee cartilage broadband Fourier Transform Infrared (FTIR) spectra …

Towards Plasmon Mapping Of Sers-Active Ag Dewetted Nanostructures Using Spels, Mohamed Beshr, E. Dexter, Paul E. Tierney, Aidan Meade, Shane Murphy, George Amarandei

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Thermal dewetting of silver thin flm can lead to SERS-active Ag nanoparticles. Here, we report our progress towards using scanning probe energy loss spectroscopy (SPELS) to map the plasmonic behaviour of SERS-active Ag nanoparticles (NP) by investigating NPs produced through the dewetting study of Ag thin flms on SiO2/Si and Ti/SiO2/Si substrates. The nanoparticles size and spatial distribution were controlled by the deposition and thermal annealing parameters. The results of preliminary SPELS measurements of these structures, alongside SERS data show that there is a correlation between the Raman enhancement and the nanoparticle size and interparticle spacing.

“A Force Created”: The U.S. Chamber Of Commerce And The Politics Of Corporate Immunity, Myriam E. Gilles

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Upon its founding in 1912, the U.S. Chamber of Commerce was conceived as a “force created” to exert “a beneficent influence upon our national life” by integrating the views of the business community into governmental policies and regulations. That a force was created is beyond question. Beneficence is a separate issue.

Steering Loan Modifications Post-Pandemic, Pamela Foohey, Dalie Jimenez, Christopher K. Odinet

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As part of federal and state relief programs created during the COVID-19 pandemic, many American households received pauses on their largest debts, particularly on mortgages and student loans. Others may have come to agreements with their lenders, likewise pausing or altering payment on other debts, such as auto loans and credit cards. This relief allowed households to allocate their savings and income to necessary expenses, like groceries, utilities, and medicine. But forbearance does not equal forgiveness. At the end of the various relief periods and moratoria, people will have to resume paying all their debts, the amounts of which may …

Tax Harmony: The Promise And Pitfalls Of The Global Minimum Tax, Reuven Avi-Yonah, Young Ran (Christine) Kim

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The rise of globalization has become a double-edged sword for countries seeking to implement a beneficial tax policy. On one hand, there are increased opportunities for attracting foreign capital and the benefits that increased jobs and tax revenue brings to a society. However, there is also much more tax competition among countries to attract foreign capital and investment. As tax competition has grown, effective corporate tax rates have continued to be cut, creating a “race-to-the-bottom” issue.

In 2021, 137 countries forming the OECD/G20 Inclusive Framework on BEPS passed a major milestone in reforming international tax by successfully introducing the framework …

What’S Going On? An Overview Of Diversity, Equity, And Inclusion Dispute Resolution Initiatives In New York, Robyn Weinstein, Michelle Lavrichenko

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Leaders in the dispute resolution profession in New York State have been working to implement various fellowships, mentorship programs, scholarships, and other initiatives aimed at increasing diversity, equity, and inclusion in the field of dispute resolution. This article will provide an overview of the current ADR-related diversity, equity, and inclusion initiatives throughout New York and introduce you to five individuals participating in DEI ADR fellowships and mentorship programs across the state.

The Evolution Of The Internet And Social Media: A Literature Review, Charles Alves De Castro, Isobel O'Reilly Dr, Aiden Carthy

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This article reviews and analyses factors impacting the evolution of the internet, the web, and social media channels, charting historic trends and highlight recent technological developments. The review comprised a deep search using electronic journal databases. Articles were chosen according to specific criteria with a group of 34 papers and books selected for complete reading and deep analysis. The 34 elements were analysed and processed using NVIVO 12 Pro, enabling the creation of dimensions and categories, codes and nodes, identifying the most frequent words, cluster analysis of the terms, and creating a word cloud based on each word's frequency. The …

Evaluating Technology-Mediated Collaborative Workflows For Telehealth, Christopher Bondy Ph.D., Pengcheng Shi, Pamela Grover Md, Vicki Hanson, Linlin Chen, Rui Li

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Goals: This paper discusses the need for a predictable method to evaluate gains and gaps of collaborative technology-mediated workflows and introduces an evaluation framework to address this need. Methods: The Collaborative Space Analysis Framework (CS-AF), introduced in this research, is a cross-disciplinary evaluation method designed to evaluate technology-mediated collaborative workflows. The 5-step CS-AF approach includes: (1) current-state workflow definition, (2) current-state (baseline) workflow assessment, (3) technology-mediated workflow development and deployment, (4) technology-mediated workflow assessment, (5) analysis, and conclusions. For this research, a comprehensive, empirical study of hypertension exam workflow for telehealth was conducted using the CS-AF approach. Results: The CS-AF …

Transition Administration, Michael Herz, Katherine A. Shaw

Articles

The period from November 3, 2020 to January 20, 2021, was unlike any presidential transition in our history. President Donald Trump refused to accept his ballot-box defeat, instead battling to overturn the election’s outcome. This dramatic public campaign was waged in state and federal courts, state legislatures, the offices of state and local election officials, the Department of Justice, and finally the halls of Congress, where on January 6, 2021, a mob incited by the President stormed the Capitol with the explicit goal of preventing the final counting of electoral votes for Joe Biden. These efforts had more mundane and …

The Circle Of Life: The Mathematics Of Predator-Prey Dynamics, John Butler, Rebecca Brady

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Some animals hunt other animals to feed themselves; these animals are called predators. Animals who are hunted and eaten are known as prey. What do you think would happen if a predator were introduced to an ecosystem where the prey previously lived without fear of being hunted? Would the new predator eat all the prey animals until they go extinct? Actually, the relationship between predator and prey is far more interesting than this. In this article, we show what the predator-prey relationship looks like over time and explain how scientists can make predictions about future population levels, all using basic …

A Nanoscale Shape-Discovery Framework Supporting Systematic Investigations Of Shape-Dependent Biological Effects And Immunomodulation, Wei Zhang, Hender Lopez, Luca Boselli, Paolo Bigini, André Perez-Potti, Zengchun Xie, Valentina Castagnola, Qi Cai, Camila P. Silveira, Joao M. De Araujo, Laura Talamini, Nicolò Panini, Giuseppe Ristagno, Martina B. Violatto, Stéphanie Devineau, Marco P. Monopoli, Mario Salmona, Valeria A. Giannone, Sandra Lara, Kenneth A. Dawson, Yan Yan

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Since it is now possible to make, in a controlled fashion, an almost unlimited variety of nanostructure shapes, it is of increasing interest to understand the forms of biological control that nanoscale shape allows. However, a priori rational investigation of such a vast universe of shapes appears to present intractable fundamental and practical challenges. This has limited the useful systematic investigation of their biological interactions and the development of innovative nanoscale shape-dependent therapies. Here, we introduce a concept of biologically relevant inductive nanoscale shape discovery and evaluation that is ideally suited to, and will ultimately become, a vehicle for machine …

Explaining Deep Learning Models For Tabular Data Using Layer-Wise Relevance Propagation, Ihsan Ullah, Andre Rios, Vaibhov Gala, Susan Mckeever

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Trust and credibility in machine learning models are bolstered by the ability of a model to explain its decisions. While explainability of deep learning models is a well-known challenge, a further challenge is clarity of the explanation itself for relevant stakeholders of the model. Layer-wise Relevance Propagation (LRP), an established explainability technique developed for deep models in computer vision, provides intuitive human-readable heat maps of input images. We present the novel application of LRP with tabular datasets containing mixed data (categorical and numerical) using a deep neural network (1D-CNN), for Credit Card Fraud detection and Telecom Customer Churn prediction use …

Hospital Effluents And Wastewaters Treatment Plants: A Source Of Oxytetracycline And Antimicrobial-Resistant Bacteria In Seafood, Bozena Mccarthy, Samuel Obeng Apori, Michelle Giltrap, Abhijnan Bhat, James Curtin, Furong Tian

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The present study employs a data review on the presence and aggregation of oxytetracycline (OTC) and resistance (AMR) bacteria in wastewater treatment plants (WWTPs), and distribution of the contaminated effluent with the aid of shallow and deep ocean currents. The study aims to determine the fate of OTC, AMR bacteria in seafood, and demonstrate a relationship between AMR levels and human health. This review includes (1) OTC, (2) AMR bacteria, (3) heavy metals in aquatic environments, and their relationship. Few publications describe OCT in surface waters. Although, OTC and other tetracyclines were found in 10 countries in relatively low concentrations, …

Workplace Dispute Resolution In Ireland At A Crossroads: Challenges And Opportunities, Brian M. Barry Dr

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The Workplace Relations Act 2015 fundamentally reformed the workplace dispute resolution system in Ireland–the centrepiece being the Workplace Relations Commission, the new body for first-instance dispute resolution. While the overall system is an improvement on its overly-complex and confusing predecessor, the Supreme Court’s decision in Zalewski v An Adjudication Officer declaring aspects of adjudication at the WRC unconstitutional, coupled with user representatives’ persistent concerns about how adjudication is conducted, present ongoing challenges.

This article describes the results of a survey undertaken in 2019 by the author of over one hundred representatives’ views on the system, and contextualises them in light …

Unusual Presentation Of Diffuse Large B-Cell Lymphoma Involving The Calcaneus: A Case Report, Ashley Mariano, Lawrence M. Fallat

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Lymphoma involves malignancy of the lymphatic system which includes the spleen, thymus, bone marrow and lymph nodes. Diffuse large B-cell lymphoma (DLBCL) is an aggressive, rapidly-growing type of non-Hodgkin lymphoma (NHL). We present a case of an 18-year-old male who initially presented with right hindfoot pain and swelling. Initial radiographs revealed no osseous pathology that correlated with the area of pain and swelling. Magnetic resonance imaging (MRI) was obtained which revealed a large soft tissue mass surrounding the calcaneus with cortical erosion and complete marrow replacement of the calcaneus. Due to concern for malignancy, the patient underwent a fluoroscopic-guided biopsy …

Regulating Mobility Limitations In The Franchise Relationship As Dependency In The Joint Employment Doctrine, Andrew Elmore

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Franchisors often impose exhaustive operational standards on franchisees, and enforce those standards by restricting the mobility of their franchisees and their franchisees' employees. But courts often ignore mobility limits when applying joint employer doctrine. This Article argues that courts and agencies should be more likely to find, and presume, that franchisors and their franchisees are joint employers under federal and state employment law based on proof that a franchisor restricts the mobility of franchisees or their employees. In so doing, this Article traces how the Chicago School's efficiency arguments in favor of relaxing antitrust law enforcement of vertical restraints developed …

Towards Greater Investor Accountability: Indirect Actions, Direct Actions By States And Direct Actions By Individuals, Martin Jarrett, Sergio Puig, Steven R. Ratner

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Investor accountability in international investment law (IIL) has been gaining increasing traction in recent years. Most visibly, some states have included investor obligations in their investment treaties, while others have made them part of their model treaties. While highly significant for the substance of IIL, these duties need adequate procedural tools to enforce them. Otherwise, investor obligations will be only decorative features of investment treaties without any legal meaning. The oft-discussed option of counterclaims is limited insofar as it may only be launched after an investor has made a claim against a state. As a result, it is important to …

Social Media Influencers (Smis) In Context: A Literature Review, Charles Alves De Castro, Isobel O'Reilly Dr, Aiden Carthy

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This review focused on three main areas, "Social Media Influencers (SMIs) in Context, The Impact of SMIs on Adolescents, and Consumer Behaviour in a Digital Era – Generation Z in Perspective". This article aims to further the overall understanding of SMIs and outlines the impact of SMIs on adolescents‘ lives. Thus, the main objective of this literature review is to raise awareness within the marketing field about the influence of social media influencers on adolescents and how brands promote their products and content through social media influencers. The review comprised a regular search using electronic journal databases and secondary data …

Notions Of Explainability And Evaluation Approaches For Explainable Artificial Intelligence, Giulia Vilone, Luca Longo

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Explainable Artificial Intelligence (XAI) has experienced a significant growth over the last few years. This is due to the widespread application of machine learning, particularly deep learning, that has led to the development of highly accurate models that lack explainability and interpretability. A plethora of methods to tackle this problem have been proposed, developed and tested, coupled with several studies attempting to define the concept of explainability and its evaluation. This systematic review contributes to the body of knowledge by clustering all the scientific studies via a hierarchical system that classifies theories and notions related to the concept of explainability …