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Articles 88711 - 88740 of 658262
Full-Text Articles in Social and Behavioral Sciences
Preschool Children’S Processing Of Events During Verb Learning: Is The Focus On People (Faces) Or Their Actions (Hands)?, Jane B. Childers, Emily Grace Warkentin, Blaire M. Porter, Marissa Young, Sneh Lalani, Akila Gopalkrishnan
Preschool Children’S Processing Of Events During Verb Learning: Is The Focus On People (Faces) Or Their Actions (Hands)?, Jane B. Childers, Emily Grace Warkentin, Blaire M. Porter, Marissa Young, Sneh Lalani, Akila Gopalkrishnan
Psychology Faculty Research
Verbs are central to the syntactic structure of sentences, and, thus, important for learning one’s native language. This study examined how children visually inspect events as they hear, and do not hear, a new verb. Specifically, there is evidence that children may focus on the agent of the action or may prioritize attention to the action being performed; to date, little evidence is available. This study used an eye tracker to track 2-, 3-, and 4-year-olds’ looking to the agent (i.e., face) vs. action (i.e., hands) while viewing events linked to a new verb as well as distractor events. A …
The Governor’S Budget Awareness For Dentistry, Christopher J. Smiley Dds
The Governor’S Budget Awareness For Dentistry, Christopher J. Smiley Dds
The Journal of the Michigan Dental Association
This editorial highlights the significance of the Governor's proposed budget in February, marking a substantial step forward for oral health awareness in Michigan. The budget allocates funds for long-sought oral health initiatives, including addressing barriers to hospital-based dental care, enhancing Medicaid coverage for adults, and streamlining dental plans. With a focus on workforce availability, the editorial emphasizes the critical role of oral health in employability. The proposed budget, influenced by effective MDA advocacy, reflects a notable achievement in prioritizing dentistry, underscoring the potential for future opportunities.
Gendered Effects Of Covid-19 School Closures: Pakistan Case Study, Iram Kamran, Tahira Parveen, Rehan M. Niazi, Maqsood Sadiq, Fatima Azeem, Emily Eunyoung Cho, Karen Austrian
Gendered Effects Of Covid-19 School Closures: Pakistan Case Study, Iram Kamran, Tahira Parveen, Rehan M. Niazi, Maqsood Sadiq, Fatima Azeem, Emily Eunyoung Cho, Karen Austrian
Poverty, Gender, and Youth
This brief summarizes a case study conducted to assess the gendered impacts of COVID-19 school closures on adolescent girls and boys in three districts in the province of Punjab in Pakistan. Data as well as discussions and interviews with adolescents, teachers, and parents shed light on difficulties in accessing and adjusting to remote learning, learning loss, deterioration of behaviors and health, and other effects. Based on these findings and further reflections by stakeholders on the successes and gaps of mitigation measures, the case study proposes recommendations for improved teacher training, digital access, alternative learning options, and a gendered focus in …
Gendered Effects Of Covid-19 School Closures: Bangladesh Case Study, Eashita Haque, Natalie Wyss, Emily Eunyoung Cho, Karen Austrian
Gendered Effects Of Covid-19 School Closures: Bangladesh Case Study, Eashita Haque, Natalie Wyss, Emily Eunyoung Cho, Karen Austrian
Poverty, Gender, and Youth
This brief summarizes a recent study on the impacts of COVID-19 school closures in rural communities in Bangladesh. It clarifies issues of remote learning access, management, and monitoring, as well as new strains on students’ time use. It also reveals general impacts on mental and physical health, economic status, as well as gendered effects including child marriage. Based on evaluations of mitigation measures, recommendations for comprehensive policies, provision of technical, financial, and social support, and improvements in education systems emerged.
Gendered Effects Of Covid-19 School Closures: India Case Study, Neelanjana Pandey, Emily Eunyoung Cho, Shilpi Rampal, Karen Austrian
Gendered Effects Of Covid-19 School Closures: India Case Study, Neelanjana Pandey, Emily Eunyoung Cho, Shilpi Rampal, Karen Austrian
Poverty, Gender, and Youth
This brief summarizes a case study that assessed the gendered impact of COVID-19 school closures on education, health, well-being, and protection of adolescents in India. Based on surveys and interviews in Bihar and Uttar Pradesh, findings point to the digital divide for girls as well as shared barriers to effective remote learning. Informed by the evidence, the study presents recommendations to scale up efforts to improve remote learning, reduce digital divide and strengthen teacher support, with a particular attention to addressing gendered differences.
Gendered Effects Of Covid-19 School Closures: Kenya Case Study, Faith Mbushi, Natalie Wyss, Emily Eunyoung Cho, Karen Austrian, Eva Ireri Muluve, Laura Muthoni, Beth Kangwana
Gendered Effects Of Covid-19 School Closures: Kenya Case Study, Faith Mbushi, Natalie Wyss, Emily Eunyoung Cho, Karen Austrian, Eva Ireri Muluve, Laura Muthoni, Beth Kangwana
Poverty, Gender, and Youth
This brief summarizes a case study that assessed the gendered impact of COVID-19 school closures in Kenya. COVID-19 school closures escalated education inequalities especially for girls and young people in rural areas. These closures exacerbated adolescent mental health issues, food and economic insecurity, and experiences of violence. COVID-19 response programs implemented by both the Government of Kenya and non-state actors were not able to fully mitigate the impacts of school closures for adolescents, teachers, or schools. Continued efforts to understand the implications of school closures and to support vulnerable students are needed.
Impact Of Covid-19 Pandemic On Women Interpersonal Violence Survivors, Melissa Fernandez
Impact Of Covid-19 Pandemic On Women Interpersonal Violence Survivors, Melissa Fernandez
Theses and Dissertations
Women have a significant risk of experiencing interpersonal violence over the course of their lifetime. There has been some suggestion that this risk has been exacerbated by the isolation experienced during the COVID-19 pandemic. The proposed study will evaluate levels of stress associated with interpersonal violence during the COVID-19 pandemic. Depression, coronavirus anxiety, Posttraumatic symptoms, and COVID-19 stress levels will be evaluated. It is hypothesized that participants who experienced interpersonal violence (childhood abuse, physical assault, unwanted sexual experiences, and/or intimate partner violence) will endorse higher levels of COVID-19 stress, Posttraumatic symptoms, depression. These outcomes would be mediated by experiential avoidance. …
Ngos And States Of Aging: Ngo As Male/Culture Advocates And As Female/Nature Caregivers, Alexandra Crampton
Ngos And States Of Aging: Ngo As Male/Culture Advocates And As Female/Nature Caregivers, Alexandra Crampton
Social and Cultural Sciences Faculty Research and Publications
No abstract provided.
Collective Expressions Of Monacan Indian Nation Identity: A Communicative Arts Genre Study, Gretchen E. Casler-Cline
Collective Expressions Of Monacan Indian Nation Identity: A Communicative Arts Genre Study, Gretchen E. Casler-Cline
Masters Theses
This study considers the current communicative arts practices of the Monacan Indian Nation, an Indigenous Virginia tribe of approximately 2500 people located in Amherst County, Virginia. Historically the tribe was a large nation that extended from the falls of the James River near Richmond, Virginia to the Southwestern portions of the state near Roanoke and now the Monacan Indian Nation homeland is at Bear Mountain in Amherst County, Virginia. The study was conducted through interviews and observations at tribal events such as the annual Powwow and culture class, as well as consistent attendance and participation as a musician at St. …
Monitoring Nurturing Care Environments For Early Childhood From The National To The Municipal Level, Rafael Pérez‐Escamilla, Sonia Venancio, Gabirela Buccini
Monitoring Nurturing Care Environments For Early Childhood From The National To The Municipal Level, Rafael Pérez‐Escamilla, Sonia Venancio, Gabirela Buccini
Social and Behavioral Health Faculty Research
There is a dearth of indicators and management information systems to assess early childhood nurturing care environments. The Brazilian Early Childhood Care Friendly Municipal Index (IMAPI) is a robust tool to assess nurturing care environments at the local level. IMAPI was able to detect nurturing care inequities within and across regions. Further validation work is needed to confirm the utility of IMAPI for policymaking.
System Dynamics Of Cognitive Vulnerabilities And Family Support Among Latina Children And Adolescents, Peter S. Hovmand, Esther J. Calzada, Lauren E. Gulbas, Su Yeong Kim, Saras Chung, Jill Kuhlberg, Carolina Hausmann-Stabile, Luis H. Zayas
System Dynamics Of Cognitive Vulnerabilities And Family Support Among Latina Children And Adolescents, Peter S. Hovmand, Esther J. Calzada, Lauren E. Gulbas, Su Yeong Kim, Saras Chung, Jill Kuhlberg, Carolina Hausmann-Stabile, Luis H. Zayas
School of Social Work Faculty Publications
The paper describes an approach to developing a data-driven development of a feedback theory of cognitive vulnerabilities and family support focused on understanding the dynamics experienced among Latina children, adolescents, and families. Family support is understood to be a response to avoidant and maladaptive behaviors that may be characteristic of cognitive vulnerabilities commonly associated depression and suicidal ideation. A formal feedback theory is developed, appraised, and analyzed using a combination of secondary analysis of qualitative interviews (N = 30) and quantitative analysis using system dynamics modeling and simulation. Implications for prevention practice, treatment, and future research are discussed.
Community-Clinic Linkages For Promoting Hiv Prevention: Organizational Networks For Prep Client Referrals And Collaborations, Rebecca L. Mauldin, Tamara Al Rawwad, Muhammad Amith, Lisa M. Kuhns, John A. Schneider, Kayo Fujimoto
Community-Clinic Linkages For Promoting Hiv Prevention: Organizational Networks For Prep Client Referrals And Collaborations, Rebecca L. Mauldin, Tamara Al Rawwad, Muhammad Amith, Lisa M. Kuhns, John A. Schneider, Kayo Fujimoto
School of Social Work Faculty Publications
Community-clinic linkages may help communities increase HIV pre-exposure prophylaxis (PrEP) uptake. Referrals from community-based organizations may be particularly important for linking Black men who have sex with men (MSM) to PrEP. This study describes PrEP referral and HIV/STI prevention networks among organizations that serve MSM in Houston, TX (N = 40), and Chicago, IL (N = 28), and compares network positions of organizations based on percentage of Black/African American clients. A majority of organizations conducted PrEP awareness/promotion activities, but fewer made PrEP referrals, with little overlap between the collaboration and referral networks. The networks tended to have a …
Lasso For Stochastic Frontier Models With Many Efficient Firms, William C. Horrace, Hyunseok Jung, Yoonseok Lee
Lasso For Stochastic Frontier Models With Many Efficient Firms, William C. Horrace, Hyunseok Jung, Yoonseok Lee
Center for Policy Research
We apply the adaptive LASSO (Zou, 2006) to select a set of maximally efficient firms in the panel fixed-effect stochastic frontier model. The adaptively weighted L1 penalty with sign restrictions for firm-level inefficiencies allows simultaneous estimation of the maximal efficiency and firm-level inefficiency parameters, which results in a faster rate of convergence of the corresponding estimators than the least-squares dummy variable approach. We show that the estimator possesses the oracle property and selection consistency still holds with our proposed tuning parameter selection criterion. We also propose an efficient optimization algorithm based on coordinate descent. We apply the method to estimate …
Fortnite Crew Subscription Box Process Book, Eleanora M. Gravert
Fortnite Crew Subscription Box Process Book, Eleanora M. Gravert
Graphic Communication
Expand Epic Games’ “Fortnite Crew” monthly subscription service to incorporate a deluxe edition which will include physical merchandise as opposed to digital merchandise only. This project will help Epic Games create a more mainstream output of physical products and will help simplify the gamers’ search to find and purchase products that are connected with accuracy and quality to the game they enjoy playing. This opportunity is important to me because it allows me to explore my interest in both the gaming industry and the marketing, production, and design field.
Correlation Between Social Media Use And Eating Disorder Symptoms: A Literature Review, Makenna Rose Burger
Correlation Between Social Media Use And Eating Disorder Symptoms: A Literature Review, Makenna Rose Burger
Kinesiology and Public Health
Importance: Social media is a pervasive influence in modern society presenting many potential public health implications.
Objective: The purpose of this literature review is to synthesize current research regarding social media and eating disorders.
Methods: Primary research was gathered from Google Scholar and OneSearch database resulting in 7 articles. Articles were examined for common themes.
Results: Common themes found in the resulting research is the prevalence of ‘thinspiration’, gamified content, and overlap of eating disorders with other mental illnesses. Several articles found a significant correlation between social media use and the severity of eating disorder symptoms. …
Leading Creative Teams: A Process-Perspective With Implications For Organizational Leaders, Salvatore A. Leone, Roni Reiter-Palmon
Leading Creative Teams: A Process-Perspective With Implications For Organizational Leaders, Salvatore A. Leone, Roni Reiter-Palmon
Psychology Faculty Publications
Leaders often find themselves managing teams of individuals who are tasked with creative problem-solving while confronting complex issues and ambiguous situations. Using a process perspective, we review three core processes of creativity (problem construction, idea generation, and idea evaluation/selection) and provide best-practice recommendations for leaders to increase their teams’ performance during each process. To facilitate problem construction, leaders should define constraints and goals without outright instructing teams on their course of action or defining the presenting problem. Leaders can apply project management techniques that budget for increased exploration and experimentation while building visions for the end product and providing opportunities …
Enhancing Exchange Of Knowledge On The Practice Of Applied Behavior Analysis, Harper C. Thomas
Enhancing Exchange Of Knowledge On The Practice Of Applied Behavior Analysis, Harper C. Thomas
University Honors Theses
Applied behavior analysis (ABA) - originally a method of studying behavior - is now an intervention style that utilizes operant conditioning and behaviorism to teach and address behaviors that support the development of autistic students. While much of ABA is strongly supported by research, a debate exists over its use. Criticisms from people on the spectrum, their families, and professionals of various fields target everything from ABA’s implementation, research, and ethical basis. By clarifying what ABA entails, reviewing the history of ABA, compiling criticisms, and collecting opinions of Oregon-based behavioral specialists, this thesis seeks to identify regions where ABA can …
Child Success And Parental Marital Status: The Impact Of Mental Health, Poverty, And Trauma, Cambria Ort
Child Success And Parental Marital Status: The Impact Of Mental Health, Poverty, And Trauma, Cambria Ort
University Honors Theses
Children are brought into this world under many different circumstances and to many different families. Some are planned, some are not; all come from families with a range of income, relationship status, and experiences. Throughout a child's life, there can be many changes in the family unit that impact the ways parents are available to care for their children. This includes divorce/separation, incarceration, co-parenting, married life, etc., relationship statuses may change over time. Different life stressors impact the financial wellbeing of a family and parents’ ability to spend time with their children. This study used secondary data analysis of the …
Gender Does Not Equal Genitalia: A Review Of The Implications Of Inclusivity In School-Based Sexual Health Education On The Identity Development Of Non-Binary And Transgender Adolescents, Sol N. Rise
University Honors Theses
Abstinence-only based sexual education has historically been the predominant form of school-based sexuality and sexual health education in the United States since the early 1900s. In recent years, there has been an emergence of more expansive and inclusive comprehensive education, however, both types of sexual education continue to affirm hetero- and cis-centric social and cultural norms around gender and sexual identity that leave transgender and non-binary youth at increased risk of poor psychological well-being and physical health outcomes compared to their peers. There have been considerable recommendations within the discourse community for the linguistic de-gendering of anatomy and anatomical processes, …
Criminogenic Risk Factors And Mental Illness: An Examination Of The 2010 Kelly Elementary School Shooter, Brendan Liam O'Rourke, Gordon A. Crews
Criminogenic Risk Factors And Mental Illness: An Examination Of The 2010 Kelly Elementary School Shooter, Brendan Liam O'Rourke, Gordon A. Crews
Criminal Justice Faculty Publications
The purpose of this presentation is to examine school violence perpetrator Mr. Brendan Liam O'Rourke and his involvement in the Kelly Elementary School playground shooting in Carlsbad, California, on October 8, 2010.
Most people suffering from mental illness are not violent, unless they are abusing substances or their mental illness is untreated (i.e., never diagnosed or not taking their medication because they do not think they need them, thus anosognosia).
This mentally ill offender, suffering from paranoid schizophrenia, will be examined through the lens of "8 Criminogenic Risk Factors". Relying upon the work of Andrews et al., Osher …
Occupation Density Estimation For Noisy High-Frequency Data, Congshan Zhang, Jia Li, Tim Bollerslev
Occupation Density Estimation For Noisy High-Frequency Data, Congshan Zhang, Jia Li, Tim Bollerslev
Research Collection School Of Economics
This paper studies the nonparametric estimation of occupation densities for semimartingale processes observed with noise. As leading examples we consider the stochastic volatility of a latent efficient price process, the volatility of the latent noise that separates the efficient price from the actually observed price, and nonlinear transformations of these processes. Our estimation methods are decidedly nonparametric and consist of two steps: the estimation of the spot price and noise volatility processes based on pre-averaging techniques and in-fill asymptotic arguments, followed by a kernel-type estimation of the occupation densities. Our spot volatility estimates attain the optimal rate of convergence, and …
Foreword To The Special Issue On "Building A Sustainable Future: New Asian Regionalism In International Economic Law", Pasha L. Hsieh
Foreword To The Special Issue On "Building A Sustainable Future: New Asian Regionalism In International Economic Law", Pasha L. Hsieh
Research Collection Yong Pung How School Of Law
We live in an unprecedented time, which witnesses the rapid transformation of global trade and politics. The neoliberal legal order in the post-war era has recently encountered multifaceted threats. Rising populist nationalism, US-China tensions and the COVID-19 pandemic have led to diverse forms of trade protectionism that has eroded the normative basis of international economic law. The Russian invasion of Ukraine and corresponding economic sanctions have further worsened the instability of the increasingly fragile supply chain and multilateral trading system. Amid these challenges, new Asian regionalism has emerged to shape and construct the new regional economic order. In response to …
Ecopsychologists' Vital Importance In The Time Of Climate Crises, Nicole B. Auckerman Psyd
Ecopsychologists' Vital Importance In The Time Of Climate Crises, Nicole B. Auckerman Psyd
Antioch University Dissertations & Theses
Ecopsychology is a systems-based philosophy that expands the therapeutic lens to include client interactions with and perceptions of the natural environment as an integral element of well-being or pathology. Ecopsychology, known forward as EP, also looks at the pathology of our culture and what kind of diagnoses lead to practices that put our planet at risk. In recent decades, the field has amassed a substantial amount of empirical evidence supporting its effectiveness but remains largely underutilized. First generation EP suggested a cultural reordering shifting away from consumer culture and reordering our way of life. Second generation posits working within the …
Optimizing Multimodal Transportation Access To Support Commuting Among Low-Income Transit Riders With Social Distancing, Shailesh Chandra, Vivek Mishra
Optimizing Multimodal Transportation Access To Support Commuting Among Low-Income Transit Riders With Social Distancing, Shailesh Chandra, Vivek Mishra
Mineta Transportation Institute
During the COVID-19 pandemic, LA Metro has encouraged social distancing among passengers—especially at stations of high-demand routes—and has increased fixed-route transit (FRT) services. However, potential impacts of social distancing on the performance of FRT services remain mostly unknown. This research evaluates the accessibility of FRT buses with social distancing using the ridership data collected on four FRT routes: 105, 108, 111, and 115 of the LA Metro's A Line stations located in low-income neighborhoods. This research shows that social distancing of six feet can impact FRT's accessibility to destination stations, and maximum accessibility is achieved only for a certain number …
Exploring And Evaluating The Impact Of Covid-19 On Mobility Changes In Singapore, Aldy Gunawan, Linh Chi Tran, Kar Way Tan, I-Lin Wang
Exploring And Evaluating The Impact Of Covid-19 On Mobility Changes In Singapore, Aldy Gunawan, Linh Chi Tran, Kar Way Tan, I-Lin Wang
Research Collection School Of Computing and Information Systems
This paper analyzes the changes in mobility trends due to the impact of the COVID-19 pandemic in Singapore in the six different sectors: Retail and Recreation, Grocery and Pharmacy, Parks, Transit Stations, Workplaces and Residential. The period of observation is from 15 February 2020 to 18 August 2021. The observed patterns obtained from the descriptive data analysis sheds light on the effectiveness of social distancing measures in Singapore as well as the level of compliance among the country’s residents. Correlation analysis is used to explore the relationship between different sectors during the pandemic period. The results reveal a strong sense …
Perceived Cultural Impacts Of Climate Change Motivate Climate Action And Support For Climate Policy, Kim-Pong Tam, Angela K. Y. Leung, Brandon Koh
Perceived Cultural Impacts Of Climate Change Motivate Climate Action And Support For Climate Policy, Kim-Pong Tam, Angela K. Y. Leung, Brandon Koh
Research Collection School of Social Sciences
The impacts of climate change on human cultures have received increasing attention in recent years. However, the extent to which people are aware of these impacts, whether such awareness motivates climate action, and what kinds of people show stronger awareness are rarely understood. The present investigation provides the very first set of answers to these questions. In two studies (with a student sample with N = 199 from Singapore and a demographically representative sample with N = 625 from the USA), we observed a generally high level of awareness among our participants. Most importantly, perceived cultural impacts of climate change …
In Search Of The Social Impact Of Cultural Districts - Emerging Principles For Social Impact Evaluation, Su Fern Hoe
In Search Of The Social Impact Of Cultural Districts - Emerging Principles For Social Impact Evaluation, Su Fern Hoe
Research Collection School of Social Sciences
Across the globe, the transformative powers of cultural districts have been widely noted, particularly with respect to how they add value to the lives of individuals and to society as a whole. Yet the ways in which cultural districts deliver and evaluate their social impact have yet to be fully explored. Importantly, there is a stark absence of rigorous methodologies and assessment frameworks to assist cultural districts in articulating, planning, delivering, and evaluating their social value proposition. Based on findings from a follow-up study to our 2019 report on Social Impact, untimely terminated due to Covid-19, this publication highlights there …
A Daily Within-Person Investigation On The Link Between Social Expectancies To Be Busy And Emotional Wellbeing: The Moderating Role Of Emotional Complexity Acceptance., Verity Y. Q. Lua, Nadyanna M Majeed, Angela K. Y. Leung, Andree Hartanto
A Daily Within-Person Investigation On The Link Between Social Expectancies To Be Busy And Emotional Wellbeing: The Moderating Role Of Emotional Complexity Acceptance., Verity Y. Q. Lua, Nadyanna M Majeed, Angela K. Y. Leung, Andree Hartanto
Research Collection School of Social Sciences
With postmodern societies placing a strong emphasis on making full use of one’s time, it is increasingly common to extol busy individuals as more achieving. In this context, although feeling a social expectation to be busy might imply that individuals are regarded as competent and desirable, its accompanying stressors may also detrimentally impact their mental health. Utilising data from a seven-day diary study, the current research examined the relationship between people’s daily perceived pressure to be busy and their daily emotional wellbeing. Multilevel modelling revealed that daily social pressure to be busy was a significant predictor of daily negative affect, …
A Posterior-Based Wald-Type Statistic For Hypothesis Testing, Yong Li, Xiaobin Liu, Tao Zeng, Jun Yu
A Posterior-Based Wald-Type Statistic For Hypothesis Testing, Yong Li, Xiaobin Liu, Tao Zeng, Jun Yu
Research Collection School Of Economics
A new Wald-type statistic is proposed for hypothesis testing based on Bayesian posterior distributions under the correct model specification. The new statistic can be explained as a posterior version of the Wald statistic and has several nice properties. First, it is well-defined under improper prior distributions. Second, it avoids Jeffreys–Lindley–Bartlett’s paradox. Third, under the null hypothesis and repeated sampling, it follows a χ2" role="presentation" style="box-sizing: border-box; margin: 0px; padding: 0px; display: inline-block; line-height: normal; font-size: 16.2px; word-spacing: normal; overflow-wrap: normal; white-space: nowrap; float: none; direction: ltr; max-width: none; max-height: none; min-width: 0px; min-height: 0px; border: 0px; position: relative;">χ2 …
Forced Moves And Home Maintenance: The Amplifying Effects Of Mortgage Payment Burden On Underwater Homeowners, John Harding, Li Jing, Stuart Rosenthal, Xirui Zhang
Forced Moves And Home Maintenance: The Amplifying Effects Of Mortgage Payment Burden On Underwater Homeowners, John Harding, Li Jing, Stuart Rosenthal, Xirui Zhang
Research Collection School Of Economics
Although the adverse effect of high loan to value ratios (LTV) on mortgage default is known, the potential amplifying effect of high payment-to-income (PTI) ratios that can force families out of their homes has received limited attention. High PTI and LTV can also add to default costs by discouraging home maintenance. Using the 1985-2013 AHS panel, we show that high PTI prompts families to move and especially so for households with LTV above 120%. This lends support for policies like HAMP and HARP that seek to reduce forced moves and mortgage default by lowering mortgage payment burden for financially stressed …