INTRODUCTION Nordic countries do not have the smallest health inequalities despite egalitarian social policies. A possible explanation for this is that drivers of class differences in health such as financial strain and labour force status remain socially patterned in Nordic countries. METHODS Our analyses used data for working age (25-59) men (n = 48,249) and women (n = 52,654) for 20 countr...

BACKGROUND Despite their poor health status, homeless women encounter many barriers to care. The objectives of our study were to estimate the prevalence of unmet healthcare needs in homeless women and to analyse associated relationships with the following factors: financial and spatial access to care, housing history, migration status, healthcare utilisation, victimization history, caring for c...

BACKGROUND Some patients with cardiovascular-related chronic diseases such as diabetes and heart disease report financial barriers to achieving optimal health. Previous surveys report that the perception of having a financial barrier is associated with self-reported adverse clinical outcomes. We sought to confirm these findings using linked survey and administrative data to determine, among pat...

Risk management is essential in a modern financial services industry. Derivative instruments like options have a particular status. Appropriate derivatives allow financial service providers to redistribute risks towards others. The process of creating customer tailored derivatives is not wellinvestigated today. With the financial information system (FIS) WARRANT-PRO-2 derivative prices are comp...

In this paper we propose a supervised version of the Isomap algorithm by incorporating class label information into a dissimilarity matrix in a financial analysis setting. On the credible assumption that corporates financial status lie on a low dimensional manifold, nonlinear dimensionality reduction based on manifold learning techniques has strong potential for bankruptcy analysis in financial...

We empirically examine the influence of risk on firms’ capital structure adjustments. The process of adjustment is asymmetric and depends on the type of risk, its magnitude, the firm’s actual leverage with respect to its target, and its financial status. We show that firms with financial surpluses and above-target leverage adjust their leverage more rapidly when firm-specific risk is low and wh...