In Hong Kong, 35% of residential mortgage loans are adjustable rate mortgages with variable tenor (VRT). That is, with a change in interest rates, the loan adjusts its maturity and principal payment such that the monthly installment remains the same. In other words, instead of bearing a volatility on monthly payments as in a ®xed-tenor variable payment (VRP) mortgage, VRT mortgagors bear intere...

In recent years, there has been considerable interest in the development of treatments to help people reduce their public speaking anxiety (PSA) in a variety of circumstances. A review of literature suggests that several treatments have been found to be effective in reducing communication apprehension. However, it has not been determined whether Virtual Reality Therapy (VRT) has proven to be as...

This paper presents a novel music representation using a Variable Resolution Transform (VRT) which is particularly well adapted for music audio analysis. The VRT is inspired by continuous wavelet transform and it applies different wavelet function at different scale. This method enables a good flexibility of the transform in order to follow log scale of musical note frequencies and at the same ...

Simple reaction time of hands and feet was studied in normal subjects (47 males, and 17 females) to visual and auditory stimuli using an electric circuit and recording points of stimulus and action on a fast moving kymograph. There are significant differences between reaction times of hands and feet, right side and left side, males and females and between auditory and visual reaction times (ART...

Virus-resistant transgenic squash are grown throughout the United States and much of Mexico and it is likely that the virus-resistant transgene (VRT) has been introduced to wild populations repeatedly. The evolutionary fate of any resistance gene in wild populations and its environmental impacts depend upon trade-offs between the costs and benefits of the resistance gene. In a 3-year field stud...

Background: Despite the potential benefits of virtual reality technology in physical rehabilitation, only a few studies have evaluated the efficacy of this type of treatment in patients with neck pain.Objective: The aim of this study was to compare the effects of virtual reality training (VRT) versus conventional proprioceptive training (CPT) in patients with neck pain.Methods: Forty four parti...

We test two new potentials for water, fit to vibration-rotation tunneling (VRT) data by employing diffusion quantum Monte Carlo simulations to calculate the vibrational ground-state properties of water clusters. These potentials, VRT(ASP-W)II and VRT(ASP-W)III, are fits of the highly detailed ASP-W (anisotropic site potential with Woermer dispersion) ab initio potential to (D(2)O)(2) microwave ...

PURPOSE Geographic atrophy (GA) is the end-stage manifestation of atrophic age-related macular degeneration (AMD). The disease progresses slowly over time, eventually causing loss of central vision. Its cause and pathomechanism are not fully known. Previous studies have suggested that vitreoretinal traction (VRT) may contribute to the progression of neovascular AMD. The aim of this study was to...

The deletion of Phe-508 (DeltaPhe508) constitutes the most prevalent of a number of mutations in the cystic fibrosis transmembrane conductance regulator (CFTR) that cause cystic fibrosis (CF). This mutation leads to CFTR misfolding and retention in the endoplasmic reticulum, as well as impaired channel activity. The biosynthetic defect can be partially overcome by small-molecule "correctors"; o...

The deletion of Phe-508 (F508del) constitutes the most prevalent cystic fibrosis-causing mutation. This mutation leads to cystic fibrosis transmembrane conductance regulator (CFTR) misfolding and retention in the endoplasmic reticulum and altered channel activity in mammalian cells. This folding defect can however be partially overcome by growing cells expressing this mutant protein at low (27 ...