We present discrete time survival models of borrower default for credit cards that include behavioural data about credit card holders and macroeconomic conditions across the credit card lifetime. We find that dynamic models which include these behavioural and macroeconomic variables provide statistically significant improvements in model fit, which translate into better forecasts of default at ...

The extremophilic microbes of the Berkeley Pit Lake are a valuable source of new and interesting secondary metabolites. It is of particular interest that these acidophilic microbes produce small molecule inhibitors of pathways associated with low pH and high Eh. These same small molecules also inhibit molecular pathways induced by reactive oxygen species (ROS) and inflammation in mammalian cell...

The process of simultaneously building the map and locating a vehicle is known as Simultaneous Localization and Mapping (SLAM) and can be used for autonomous navigation. The estimation of vehicle states and landmarks plays an important role in SLAM. Most of the SLAM algorithms are based on extended Kalman filters (EKFs). However, Kalman filters are not the best choice for SLAM as they suffer fr...

James Mason1*,y, Vasilis Fthenakis, Ken Zweibel, Tom Hansen and Thomas Nikolakakis Renewable Energy Research Institute, 52 Columbia Street, Farmingdale, NY 17735, USA Center for Life Cycle Analysis, Columbia University, and Director of PV EH&S Research Center, Brookhaven National Laboratory, Upton, NY 11973, USA Institute for the Analysis of Solar Energy, George Washington University, 2121 I St...

Objective(s): To investigate the association of single nucleotide polymorphisms (SNPs) in the peroxisome proliferator-activated receptors gamma (PPARG) with essential hypertension (EH) and additional role of gene– high-density lipoprotein cholesterol (HDL) interaction. Materials and Methods:A total of 1640 patients with EH (806 males, 834 females), with a mean age of 52.5±12.6 years, were selec...

These studies were undertaken to clarify the role of the central and peripheral sympathetic nervous system and the renin-aldosterone system on the onset and maintenance of high blood pressure in essential hypertension (EH), and the following examinations were performed: 1) Urinary free norepinephrine and epinephrine excretion (UNEf and UEf), urinary conjugated norepinephrine and epinephrine exc...

To understand the basis of excretion of excessive amounts of epoxydicarboxylic fatty acids (EDFA) in urine of patients with disorders of peroxisomal biogenesis (Pitt, J. J., and A. Poulos. 1993. Clin. Chim. Acta. 223: 23-29), the activity of epoxide hydrolase (EH) was measured in cultured skin fibroblasts from control subjects and patients with peroxisomal disorders. EH activity was approximate...

objective(s): to investigate the association of single nucleotide polymorphisms (snps) in the peroxisome proliferator-activated receptors gamma (pparg) with essential hypertension (eh) and additional role of gene– high-density lipoprotein cholesterol (hdl) interaction. materials and methods:a total of 1640 patients with eh (806 males, 834 females), with a mean age of 52.5±12.6 years, were selec...

NPRA and NPRC are candidate susceptibility genes for essential hypertension (EH) and play a key role in the regulation of plasma levels and biological effects of natriuretic peptides. The aims of the present study were to find new genetic markers in the NPRA and NPRC genes and to assess relationships between variants and EH. A total of 797 unrelated Mongolian herdsmen were enrolled, including 3...

Background. Eczema herpeticum (EH) is a potentially serious, systemic complication in subjects with atopic dermatitis (AD) caused by herpes simplex virus (HSV). The innate immune dysregulation that predisposes these subjects to cutaneous viral infections is not well understood. We tested the hypothesis that defects in mannan-binding lectin (MBL) may be associated with an increased risk of EH. M...