Using micro-level data from the mortgage market, we examine yield spreads as a funnction of both credit risk and prepayment risk using a two-stage instrumental variable approach. Our results are consistent with findings in the finance literature that leverageinduced financial risk reflected in capital structure results in higher yield spreads on debt. In particular, borrowers with loan-to-value...

Sub #1 Sub #2 Sub #3 Sub #4 Breast Volume (BV, cc) GE 1.5 421 216 272 234 GE 3.0 463 224 291 227 Siemens 1.5 441 219 287 238 Philips 3.0 451 226 290 247 Variation 4.0 (%) 2.1 (%) 3.0 (%) 3.5 (%) Fibroglandular Tissue Volume (FV, cc) GE 1.5 62.9 56.1 80.7 67.6 GE 3.0 65.4 53.0 89.8 70.0 Siemens1.5 65.7 49.3 84.6 60.8 Philips 3.0 71.5 57.0 94.8 64.6 Variation 5.5 (%) 6.5 (%) 7.0 (%) 6.0 (%) Perce...

BACKGROUND Previous trials have demonstrated that lowering low-density lipoprotein (LDL) cholesterol levels below currently recommended levels is beneficial in patients with acute coronary syndromes. We prospectively assessed the efficacy and safety of lowering LDL cholesterol levels below 100 mg per deciliter (2.6 mmol per liter) in patients with stable coronary heart disease (CHD). METHODS ...

BACKGROUND The optimal treatment for locally advanced laryngeal cancer remains controversial. The purpose of this trial was to determine if the response to induction chemotherapy could select patients for organ preservation protocols, and improve larynx-preservation rates without compromising overall survival (OS). METHODS The cohort comprised 12 patients with T3 disease and 14 with T4. Induc...

Abstract The low toxicity and a near‐ideal bandgap endow tin (Sn)‐based perovskite solar cells (TPSCs) promising future in photovoltaic technologies. However, general the Sn‐based perovskites suffer from poor resistance to oxidation fast crystallization dynamics, resulting fill factors (FFs) power conversion efficiencies (PCEs). Herein, strategy improve performance of TPSCs by incorporating 2‐(...

cocktail” drugs—protease inhibitors—were first approved, uninsured people with HIV disease waited up to 4-1/2 months longer, on average, than privately insured patients to begin life-sustaining medication, according to a new national study sponsored by the Agency for Health Care Policy and Research. The study also found that HIV patients covered by Medicaid waited 3 months longer than privately...