We demonstrate the existence of multiple dimensions of private information in the long-term care insurance market. Two types of people purchase insurance: individuals with private information that they are high risk and individuals with private information that they have strong taste for insurance. Ex post, the former are higher risk than insurance companies expect, while the latter are lower r...

objective(s): there is controversial evidence about the effect of methamphetamine (meth) on spatial memory. we tested the time- dependent effects of meth on spatial short-term (working) and long-term (reference) memory in meth –sensitized and withdrawn rats in the morris water maze. materials and methods: rats were sensitized to meth (2 mg/kg, daily/5 days, sc). rats were trained in water maze ...

BACKGROUND The objective was to evaluate the eye care services offered to older residents living in long-term care facilities (LTCFs). METHODS A questionnaire targeting residents aged ≥65 years was sent to all LTCFs in Quebec. Questions related to the institution's characteristics, demographic data related to residents, oculovisual health of residents and barriers to eye care, eye care servic...

This paper covers our recent work regarding family caregiver burden for elderly. The topics are as follows: cross-sectional studies on caregiver burden; changes in caregiver burden; appropriateness of the Long-Term Care insurance assessment scheme; attitude towards caregiving among caregivers; and the development of the short version of the Japanese version of the Zarit Caregiver Burden Interview.

This paper presents an internally consistent analysis of the economic determinants of the term structure of credit spreads across different credit rating classes and industry sectors. Our analysis proceeds in two steps. First, we extract three economic factors from 13 time series that capture three major dimensions of the economy: inflation pressure, real output growth, and financial market vol...

This paper analyzes the credit demand depression phenomenon resulting from long-term institutional supply rationing. Under the interaction between imperfect formal credit system and rural households’ risk aversion behavior, rural households will be discouraged to depress their credit demand or replace it with informal credit, which we call demand-side credit constraints. It find that about 33.7...

This paper examines the family income–college enrolment relationship and the evidence on credit constraints in post-secondary schooling. We distinguish short run liquidity constraints from the long term factors that promote cognitive and noncognitive ability. Long run factors crystallised in ability are the major determinants of the family income schooling relationship, although there is some e...