neuropsychological studies have demonstrated that preclinical dementia accompanies a decreasing trend in cognitive state a few years prior to clinical diagnosis. sudden decline in episodic memory and semantic knowledge have been found to have the capability to differentiate patients in preclinical state of dementia from those experiencing normal aging. in addition, decline in episodic memory is...

Quantitative rating systems are increasingly being used for the purposes of capital allocation and pricing credits. For these purposes, it is important to validate the accuracy of the probability of default (PD) estimates generated by the rating system and not merely focus on evaluating the discriminatory power of the system. The validation of the accuracy of the PD quantification has been a ch...

In this paper, we validate the performance of Moody’s KMV EDF credit measures in its timeliness of default prediction, ability to discriminate good firms from bad firms, and accuracy of levels in three regions: North America, Europe, and Asia. We focus on the period 1996–2006 for most of our tests. Wherever possible, we compare the performance to that of other popular alternatives, such as agen...

This paper proposes a theoretical framework to account for systematic risk in recovery and to address the correlation between the firm’s underlying asset process and recovery. Under the proposed framework, the expected value in default under the risk neutral measure can be expressed as a linear function of the expected value under the physical measure. This allows for a simple mapping between e...

BACKGROUND The severity and course of spinal pain is poorly understood in adolescents. The study aimed to determine the prevalence and two-year incidence, as well as the course, frequency, and intensity of pain in the neck, mid back, and low back (spinal pain). METHODS This study was a school-based prospective cohort study. All 5th and 6th grade students (11-13 years) at 14 schools in the Reg...

S ometimes when a child is sick or hurt, it is necessary for physicians to do a procedure. The purpose of some procedures is to get more medical information; examples include doing a blood draw using a needle or collecting urine through a plastic tube called a catheter that goes into your child’s urethra. The purpose of other procedures is for a treatment, such as putting in stitches for a cut ...

The most frequency used goodness of fit tests are based on measuring the distance between the theoretical distribution function and the empirical distribution function (EDF), but presence of outliers influences these tests strongly. In this study, we propose a simple robust method for goodness of fit test by using the “Forward Search” (FS) method. The FS method is a powerful general method for ...

A new genus and species of webspinner, Galloembia raholai n. gen. et sp., is described from the earliest Eocene Oise amber France. The currently oldest record family, a taxon previously known only as far back middle Baltic an exceptionally dubious Eocene-Oligocene impression fossil central United States. diagnosed compared with other genera Embiidae.