For many households, paying lower borrowing costs is the surest, fastest way to increase net worth. Using administrative, credit bureau and survey data on U.S. credit cards, we find pervasive and systematic cross-individual variation in borrowing costs. Credit risk and product differentiation explain about one-third of that variation. The remaining riskadjusted dispersion can materially affect ...

The study by Condo et al. in this issue of the British Journal of Nutrition assessed the utility of a forty-four-item FFQ for use in determining the iodine intake of pregnant Australian women. This is the first such study designed specifically for pregnancy. A strength of the study was the administration of the FFQ at two different time points in gestation, which allowed for assessment of the r...

This manuscript reviews recent progress in our understanding of the nucleosynthesis of medium and heavy elements in supernovae. Recent hydrodynamical models of core-collapse supernovae show that a large amount of proton rich matter is ejected under strong neutrino fluxes. This matter constitutes the site of the ν p-process where antineutrino absorption reactions catalyze the nucleosynthesis of ...

This manuscript reviews recent progress in our understanding of the nucleosynthesis of medium and heavy elements in supernovae. Recent hydrodynamical models of core-collapse supernovae show that a large amount of proton rich matter is ejected under strong neutrino fluxes. This matter constitutes the site of the ν p-process where antineutrino absorption reactions catalyze the nucleosynthesis of ...

This paper explores the idea that institutional details matter and that attempts to estimate the economic effects of federalism by employing a simple dummy variable neglect potentially important institutional details. Based on a principal component analysis, seven aspects of both federalism and decentralization are used as variables for explaining differences in (1) fiscal policy, (2) governmen...

global scenario for depression as an illness is quite disappointing. Women were known to have higher prevalence rate for depression than men but this notion is falling apart as men are now outnumbering women in this regard. According to the National Institute of Mental Health (NIMH), about six million American men suffer from depression every year. 1 Researchers believe that typical depressive ...

INTRODUCTION Over the past years, progress in cerebral magnetic resonance imaging (MRI) technology has increased the possibilities to quantify MS-related tissue changes, starting from lesion assessment in the white matter (WM) to the quantification of microstructural changes of the whole brain (1). This was expected to give full insight into the causes of MS patients’ deficits but despite all a...

In an unconventional realization of left-right symmetry, the particle corresponding to the left-handed neutrino L [with SUð2ÞL interactions] in the right-handed sector, call it nR [with SUð2ÞR interactions], is not its Dirac mass partner, but a different particle which may be a dark-matter candidate. In parallel to leptogenesis in the SUð2ÞL sector, asymmetric production of nR may occur in the ...