Using payday-lender administrative data matched to borrower credit attributes from a national credit bureau, I find that borrowers who engage in protracted refinancing (“rollover”) activity have better financial outcomes (measured by changes in credit scores) than consumers whose borrowing is limited to shorter periods. These results are robust to an alternative definition of a “rollover” that ...

BACKGROUND Therapeutic footwear is recommended for those people with severe foot problems associated with rheumatoid arthritis (RA). However, it is known that many do not wear them. Although previous European studies have recommended service and footwear design improvements, it is not known if services have improved or if this footwear meets the personal needs of people with RA. As an earlier s...

This study investigates whether temporally jittered stimuli will produce performance-intensity, phonetically balanced (PI-PB) rollover in young adults with normal hearing. Although not yet explicitly stated in the literature, there is clinical and theoretical evidence to suggest that PI-PB rollover, such as that found in cases of acoustic neuroma, is caused by neural dyssynchrony in the auditor...

OBJECTIVE To review the evidence for the effectiveness of therapeutic footwear in preventing foot reulceration in individuals with diabetes and foot risk factors. RESEARCH DESIGN AND METHODS We conducted a structured literature review based on a Medline search for studies of therapeutic footwear that examined prevention of reulceration. Nine published articles were identified. Characteristics...

BACKGROUND Many work places require standing for prolonged periods of time and are potentially damaging to health, with links to musculoskeletal disorders and acute trauma from workplace accidents. Footwear provides the only interaction between the body and the ground and therefore a potential means to impact musculoskeletal disorders. However, there is very limited research into the necessary ...

Squash is associated with a high incidence of chronic injuries. Currently there is a trend in many sports for players to select minimalist footwear. The aim of the current investigation was to examine the effects of squashspecific, running shoes and minimalist footwear on the kinetics and 3-D kinematics of the lunge movement in squash players. Twelve male squash players performed lunge movement...

BACKGROUND In Northern Ethiopia, use of footwear by the rural community is limited, and non-governmental organizations provide footwear for school children as a means of preventing podoconiosis. However, this is not a sustainable strategy. This study assessed willingness to pay for footwear among people with and without podoconiosis. METHODS A comparative cross-sectional community-based study...

The paper addresses the problem of vehicle rollover avoidance using reference governors applied to modify the driver steering input in vehicles with an active steering system. Several reference governor designs are presented and tested with a detailed nonlinear simulation model. The vehicle dynamics are highly nonlinear for large steering angles, including the conditions where the vehicle appro...

Borrowing from multiple creditors exposes firms to liquidation risks due to coordination problems among creditors, but it also improves the firms’ repayment incentives, thereby increasing pledgeability. Based on this trade-off, I develop a dynamic debt rollover model to analyze the evolution of creditor dispersion. Consistent with empirical findings, firms optimally increase the number of credi...

The present Comité Européen de Normalisation (CEN) and International Organization for Standardization (ISO) standards for safety, protective and occupational footwear EN ISO 20344-20347 classify footwear as cold protective by a pass/fail test where the limits are set for an allowed 10 degrees C temperature drop inside the footwear during 30 min at a temperature gradient of approximately 40 degr...