Search results for "EFA"

Validity of items assessing self-reported number of breaks in sitting time among children and adolescents

2020

Background: Sedentary behaviour guidelines recommend that individuals should regularly break up sitting time. Accurately monitoring such breaks is needed to inform guidelines concerning how regularly to break up sitting time and to evaluate intervention effects. We investigated the concurrent validity of three &ldquo

Defining the course of tumefactive multiple sclerosis: A large retrospective multicentre study

2021

Background and purpose: Tumefactive multiple sclerosis (TuMS) (i.e., MS onset presenting with tumefactive demyelinating lesions [TDLs]) is a diagnostic and therapeutic challenge. We performed a multicentre retrospective study to describe the clinical characteristics and the prognostic factors of TuMS. Methods: One hundred two TuMS patients were included in this retrospective study. Demographic, clinical, magnetic resonance imaging (MRI), laboratory data and treatment choices were collected. Results: TuMS was found to affect women more than men (female:male: 2.4), with a young adulthood onset (median age: 29.5 years, range: 11–68 years, interquartile range [IQR]: 38 years). At onset, 52% of …

Elogio fúnebre que en las solemnes exequias de S.M. católica la reyna ... Dª María Josefa Amalia de Sajonia : celebradas por el Excmo. Ayuntamiento é…

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Exequias á la Reyna de las Españas doña María Josefa Amalia de Sajonia : celebradas por el claustro de catedráticos de la Universidad de Valencia el …

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Liquefaction and re-liquefaction of sediments induced by uneven loading and glacigenic earthquakes: Implications of results from the Latvian Baltic S…

2021

Abstract Seven internally-deformed layers were recognised in the shallow marine bay sediments deposited during mid Marine Isotope Stage 2 along the Latvian Baltic Sea coast bluff at Baltmuiža. Detailed sedimentological analyses of these deformed layers indicate that liquefaction was responsible for the development of soft-sediment deformation structures (SSDS) including injection structures, load casts, flame structures and pseudonodules. Traces of both initial liquefaction and re-liquefaction were recognised within at least four of the seven layers with SSDS (two different generations of pseudonodules and injection structures, clastic injection pipes, disrupted load casts). This is a uniqu…

Information acquisition in SME's relationship lending and the cost of loans

2015

Abstract This study analyzes the effect of the reputation SMEs get in a relationship lending on the cost of next loans. A unique dataset of 734 Spanish SMEs' relationship lending provides information on a loan-by-loan basis about the ex post previous loan performance, which measures reputation. No prior empirical research differentiates the cost of loans following a defaulted loan from the costs of those following a successfully repaid loan. Results show that lenders obtain information about borrowers' risk-level during relationship lending and use this information. Loans granted after a successful one pledge significantly lower collateral and interest rate than loans granted after a defaul…

Financial literacy is not enough: The role of nudging toward adequate long-term saving behavior

2020

Abstract This paper analyzes whether nudging has a relevant effect on financially literate individuals, even if these individuals are professionals with extensive experience of finance and pensions. The paper presents the results of a field experiment with employees of a leading life and pensions company in Spain. The results of the experiment show that financial literacy and awareness of the importance of saving are not enough for individuals to act. Even with pension plan experts, the combination of two types of instruments is necessary: rational instruments, such as financial literacy and awareness of the economic implications of retirement, and nudging, which moves individuals to action…

The effect of default options on choice—Evidence from online product configurators

2011

Many firms use product configurators to enable customers to specify their desired products online. In such systems, defaults are pre-specified for levels of product features by the manufacturer or dealer. For example, when configuring a racing bike online, a default is predefined (e.g., the Shimano Ultegra model) for all required features (e.g., the gearshift levers). Such defaults, which may even adapt to previous choices, ensure that a functional and fully defined product emerges at the end of the configuration process. However, when designing sales systems, companies often fail to realize that these defaults also affect customer decision-making. We demonstrate the effect by a study that …

Anticipating bank distress in the Eurozone: An Extreme Gradient Boosting approach

2019

Abstract The banking sector plays a special role in the economy and has critical functions which are essential for economic stability. Hence, systemic banking crises disrupt financial markets and hinder global economic growth. In this study, Extreme Gradient Boosting, a state of the art machine learning method, is applied to identify a set of key leading indicators that may help predict and prevent bank failure in the Eurozone banking sector. The cross-sectional data used in this study consists of 25 annual financial ratio series for commercial banks in the Eurozone. The sample includes Eurozone listed failed and non-failed banks for the period 2006–2016. A number of early warning systems a…

Robust Mesoporous CoMo/γ-Al2O3 Catalysts from Cyclodextrin-Based Supramolecular Assemblies for Hydrothermal Processing of Microalgae: Effect of the P…

2018

Hydrothermal liquefaction (HTL) is a promising technology for the production of biocrude oil from microalgae. Although this catalyst-free technology is efficient under high-temperature and high-pressure conditions, the biocrude yield and quality can be further improved by using heterogeneous catalysts. The design of robust catalysts that preserve their performance under hydrothermal conditions will be therefore very important in the development of biorefinery technologies. In this work, we describe two different synthetic routes (i.e., impregnation and cyclodextrin-assisted one-pot colloidal approach), for the preparation in aqueous phase of six high surface area CoMo/γ-Al2O3 catalysts. Cat…