Nearly 40 percent of Americans approaching retirement felt heavily indebted. Understanding the role secured and unsecured debt in planning becomes an urgent concern for researchers policymakers alike. Using data from 2015 National Financial Capability Study (NFCS), current study identified (mortgage auto loan) (medical credit card debt) among a national sample pre-retirees aged 51–61 years. Log...

This paper addresses the issue of interpretability and auditability reinforcement-learning agents employed in recovery unsecured consumer debt. To this end, we develop a deterministic policy-gradient method that allows for natural integration domain expertise into learning procedure so as to encourage consistent, thus interpretable, policies. Domain knowledge can often be expressed terms policy...

This work proposes a complete and side-channel proof solution for an FPGA implementation of AES. An unsecured implementation is extended to a secured version by using a masking algorithm. Our solution is implemented as an FPGA prototype, but in the future it can be easily used in a crypto-coprocessor on a smartcard.

This memo proposes a mechanism to upgrade HTTP/1.1 connections to use Transport Layer Security (TLS). Using an Upgrade: TLS/x.y request header would allow unsecured and secured traffic to share the same port (in this case, 80). A companion document describes the current practice of using a separate port for HTTP over TLS, .

OBJECTIVES We estimated associations between total amount of parental debt and of home mortgage, student loan, automobile, and unsecured debt with children's socioemotional well-being. METHODS We used population-based longitudinal data from the National Longitudinal Study of Youth 1979 Cohort and Children of the National Longitudinal Study of Youth 1979 Cohort. Our analytic sample consisted o...