University of Saint Mary

About: University of Saint Mary is a education organization based out in Leavenworth, Kansas, United States. It is known for research contribution in the topics: Population & Galaxy. The organization has 2276 authors who have published 2399 publications receiving 58990 citations. The organization is also known as: University of St. Mary & University of St Mary.

EQUAL-qual: A European Program for External Quality Assessment of Genomic DNA Extraction and PCR Amplification

Abstract: Background: Despite the rapid transition into routine clinical practice of molecular techniques based on PCR, external quality assessment (EQA) is still not widely available. The European Union and European Communities Confederation of Clinical Chemistry have supported the EQUAL project as a series of 3 different EQA programs for the assessment of molecular methods independently from analytes. We present the results from the EQUAL-qual program designed to evaluate the analytical aspects of DNA analysis by means of a conventional qualitative PCR experiment. Methods: The EQUAL-qual program provided DNA, blood samples, and primer sets to participant laboratories to assess DNA extraction and PCR amplification. We have developed statistical procedures to identify laboratories performing poorly in DNA extraction (quality and quantity), PCR efficiency, and data interpretation after electrophoresis. Results: An application to participate was obtained from 213 laboratories (from 25 countries), and 175 (82%) of laboratories submitted results for assessment. Questionable results in terms of quality and/or quantity of DNA derived from blood extractions were returned by 27% of laboratories (46 of 166). PCR efficiency showed high variability, with 3% of laboratories (5 of 163) showing a consistently low rate of amplification and 10% (18 of 175) not reporting the expected number of bands of the amplified targets. Conclusions: The results showed considerable variability in all phases of the experiment. The approach confirms the validity of EQA as a method for evaluating analytical aspects of PCR-based tests.

Prenatal diagnosis of fetal glioblastoma multiforme

Abstract: Intracerebral tumours of the fetus are very rare conditions, most often presenting clinically as polyhydramnios and hydrocephalus. These conditions can be diagnosed with ultrasound and clearly differentiated from hydrocephalus and other intracranial lesions. The following report is of a case of an intracerebral tumour (glioblastoma multiforme) diagnosed at 33 weeks in utero using ultrasound. The prognosis for this condition is universally poor.

The Surprising Use of Credit Scoring in Small Business Lending by Community Banks and the Attendant Effects on Credit Availability and Risk

Abstract: Working Paper 2009-9 March 2009 Abstract: The literature has documented a positive relationship between the use of credit scoring for small business loans and small business credit availability, broadly defined. However, this literature is hampered by the fact that all of the studies are based on a single 1998 survey of the very largest U.S. banking organizations. This paper addresses a number of deficiencies in the extant literature by employing data from a new survey on the use of credit scoring in small business lending, primarily by community banks. The survey evidence suggests that the use of credit scores in small business lending by community banks is surprisingly widespread. Moreover, the scores employed tend to be the consumer credit scores of the small business owners rather than the more encompassing small business credit scores that include data on the firms as well as on the owners. Our empirical analysis suggests that credit scoring is associated with increased small business lending after a learning period, with no material change in the quality of the loan portfolio. However, these quantity and quality results appear to vary depending on the way in which credit scores are implemented in the underwriting process. JEL classification: G21, G28, L23 Key words: banks, small business, credit scoring I. Introduction Commercial bank lending to small businesses has received a great deal of research attention over the past two decades. The overriding issue in this literature is one of credit availability, given that small firms have historically faced significant difficulties in accessing funding for creditworthy (i.e., positive net present value) projects due to a lack of credible information. Small businesses are typically much more informationally opaque than large corporations because small firms often do not have certified audited financial statements to yield credible financial information on a regular basis. As well, these firms typically do not have publicly traded equity or debt, yielding no market prices or public ratings that might suggest their quality. To address the informational opacity problem, financial institutions use a number of different lending technologies (e.g., Berger and Udell 2006). One lending technology that has recently received considerable research attention is small business credit scoring (SBCS). This technology confronts the opacity problem by combining personal financial data about the owner of the business with the relatively limited information about the firm using statistical methods to predict future credit performance. Consumer credit scoring (CCS) has been widely used for many years in retail credit markets (e.g., mortgages, credit cards, and automobile credits), but SBCS is a more recent phenomenon. Most large U.S. banks did not adopt SBCS until the mid-1990s due to concerns regarding firm heterogeneity and nonstandardized loan documentation (e.g., Mester 1997). As discussed below, some banks instead use the consumer credit scores of small business owners to evaluate small business loan applications. The application of CCS to small business lending has not been previously studied. The empirical literature studying the effects of SBCS has documented significant favorable effects of this lending technology on small business credit availability, broadly defined. Specifically, the adoption of SBCS is empirically associated with 1) increases in the quantity of lending (Frame, Srinivasan, and Woosley 2001, Frame, Padhi, and Woosley 2004, Berger, Frame, and Miller 2005); 2) more lending to relatively opaque, risky borrowers (Berger, Frame, and Miller 2005); 3) lending within low-income as well as high-income areas (Frame, Padhi, and Woosley 2004); and 4) lending over greater distances (DeYoung, Glennon, and Nigro 2008). (1,2) See Berger and Frame (2007) for a more comprehensive review of these studies. While the extant research provides some important information about SBCS, this literature is hampered by the fact that all of the empirical studies are based on a single survey of the largest U. …

The origin of blueshifted absorption features in the X-ray spectrum of PG 1211+143: outflow or disc.

Abstract: In some radio-quiet active galaxies (AGN), high-energy absorption features in the x-ray spectra have been interpreted as Ultrafast Outflows (UFOs) -- highly ionised material (e.g. Fe XXV and Fe XXVI) ejected at mildly relativistic velocities. In some cases, these outflows can carry energy in excess of the binding energy of the host galaxy. Needless to say, these features demand our attention as they are strong signatures of AGN feedback and will influence galaxy evolution. For the same reason, alternative models need to be discussed and refuted or confirmed. Gallo & Fabian proposed that some of these features could arise from resonance absorption of the reflected spectrum in a layer of ionised material located above and corotating with the accretion disc. Therefore, the absorbing medium would be subjected to similar blurring effects as seen in the disc. A priori, the existence of such plasma above the disc is as plausible as a fast wind. In this work, we highlight the ambiguity by demonstrating that the absorption model can describe the ~7.6 keV absorption feature (and possibly other features) in the quasar PG 1211+143, an AGN that is often described as a classic example of an UFO. In this model, the 2-10 keV spectrum would be largely reflection dominated (as opposed to power law dominated in the wind models) and the resonance absorption would be originating in a layer between about 6 and 60 gravitational radii. The studies of such features constitutes a cornerstone for future X-ray observatories like Astro-H and Athena+. Should our model prove correct, or at least important in some cases, then absorption will provide another diagnostic tool with which to probe the inner accretion flow with future missions.

Police perceptions and contact among people with mental illnesses: Comparisons with a general population survey.

Abstract: Though studies have surveyed police officers' perceptions of people with mental illnesses (PMI), few have examined perceptions held by PMI regarding the police, and none have compared them with those held by the general population. This study sought to (a) examine perceptions of police held by PMI, (b) compare them to perceptions held by the general population, and (c) explore whether differences between PMI and general population perceptions are attributable to contact with the police in the past year. We drew data from a survey of 244 PMI and the 2009 Canadian General Social Survey (GSS) (Brennan, 2011). Both surveys administered the same items querying perceptions of and contact with the police in the prior 12 months. GSS participants were individually matched to PMI participants on sociodemographic characteristics (n = 225 per group). Overall, participants held fairly positive perceptions of the police, but perceptions held by GSS participants were more positive than those held by PMI participants. PMI participants were more likely than GSS participants to have contact with the police in the prior 12 months. In multivariate models, perceptions differed between PMI and GSS participants for police performance in being approachable and treating people fairly, and overall confidence in police; police contact was not associated with perceptions nor did it moderate effects of participant group. Consistent with the procedural justice framework, fair and equitable treatment appears to be of primary relevance to PMI perceptions of the police. Further efforts are needed to improve PMI perceptions of the police in these areas.