We examine the role of borrower concerns about future credit availability in mitigating the effects of adverse selection and income misrepresentation in the mortgage market. We show that the majority of additional risk associated with “low-doc” mortgages originated prior to the Great Recession was due to adverse selection on the part of borrowers who could verify income, but chose not to. We pr...

Introduction RE<C was a Google initiative to drive innovation in renewable energy, with the goal of making renewable energy cheap enough to compete head-to-head with coal-fired power plants. Hence the name RE<C “renewable energy cheaper than coal.” As part of this initiative, Google formed an engineering team to develop promising technologies in the field of solar energy power generation. After...

Background: Skin cancer is the most prevalent type of cancer and melanoma is the deadliest kind of skin cancer in the world. Due to enhanced induction of apoptosis and ROS levels, low-level lasers can be utilized to destroy skin cancer cells. Lasers are used to treat some skin lesions. Vitamin A is beneficial in the prevention and treatment of skin cancer. Vitamin A inhibits the pathway of canc...

Low level laser therapy (LLLT) has been used in Eastern Europe and Asia for the treatment of a wide range of conditions for many years. Its continued acceptance in these populations reflects the efficacy with which it is regarded both by clinicians and their patients. Although there have been a substantial number of reports on its clinical benefit and some practitioners have used the technique ...

Background Sperm motility is known as an effective parameter in male fertility and it depends on energy consumption. Low level LASER irradiation could increases energy supply to the cell by producing of adenosine triphosphate (ATP). The purpose of this study is to evaluate how the low level LASER irradiation affects the human sperm motility. MaterialsAndMethods Fresh human semen specimens of as...