Liquidity Constraints and Credit Card Delinquency: Evidence from Raising Minimum Payments

We use credit card data to estimate the impact of increasing minimum payments on delinquency, payments, spending, and write-offs. Our identification strategy exploits an unusual institutional feature: Borrowers can use their account to make purchases with both revolving loans (on which minimum payments increased) and term loans (on which there was no change). Payment increases by delinquent borrowers are insufficient to match increasing minimums, resulting in lower cure rates and an increase in write-offs. Affected borrowers migrate away from these accounts by decreasing charges and increasing payments, consequently lowering the interest earned by the bank.

Cuspal Flexure and Extent of Cure of a Bulk-fill Flowable Base Composite

SUMMARY Objectives To investigate a bulk-fill flowable base composite (Surefil SDR Flow) in terms of cuspal flexure and cure when used in incremental or bulk techniques. Methods Mesio-occluso-distal cavities (4 mm deep, 4 mm wide) were prepared in 24 extracted molars. The slot-shaped cavities were etched, bonded, and restored in 1) two 2-mm increments Esthet-X HD (control), 2) two 2-mm increments Surefil SDR Flow, or 3) 4-mm bulk Surefil SDR Flow (N=8). The teeth were digitized after preparation (baseline) and restoration and were precisely aligned to calculate cuspal flexure. Restored teeth were placed in fuchsin dye for 16 hours to determine occlusal bond integrity from dye penetration. Extent of cure was assessed by hardness at 0.5-mm increments through the restoration depth. Results were analyzed with analysis of variance and Student-Newman-Keuls post hoc tests (α=0.05). Results Surefil SDR Flow, either incrementally or bulk filled, demonstrated significantly less cuspal flexure than Esthet-X HD. Dye penetration was less than 3% of cavity wall height and was not statistically different among groups. The hardness of Surefil SDR Flow did not change throughout the depth for both incrementally and bulk filled restorations; the hardness of Esthet-X HD was statistically significantly lower at the bottom of each increment than at the top. Conclusions Filling in bulk or increments made no significant difference in marginal bond quality or cuspal flexure for the bulk-fill composite. However, the bulk-fill composite caused less cuspal flexure than the incrementally placed conventional composite. The bulk-fill composite cured all the way through (4 mm), whereas the conventional composite had lower cure at the bottom of each increment.

The influence of low temperature on the evolution of concrete strength

The mechanical strength of concrete can be affected by many conditions, among them the proportion of the mixture and the influence of external agents, such as external temperatures. Thus, the objective of the paper is to analyze the influence of low temperature on the evolution of concrete strength, from the molding of tests specimens cured at various temperatures. The specimens were submitted in the first 7 days, as curing temperatures ranging from 0ºC to 25ºC, simulating the lowest possible value for the start of the cement hydrations reactions to the considered ideal for development resistances. The results of the experimental program demonstrated at lower cure temperatures the strength of the mixture develops more slowly, as might be expected, but also found after 14 days, the strength of the mixtures was reversed, i.e., concretes cured at higher temperatures lower values. Thus, it was concluded the concrete in cold weather can be beneficial to its mechanical performance to over time, at the expense constructive steps in normal temperature.

A short review of the anthelmintic role of mirazid

Mirazid® is a patented preparation from a plant that had been used in folk medicine since ancient Egyptians (Myrrh). It was registered in Egypt for the treatment of schistosomiasis and fascioliasis. Over 32 independent studies for efficacy of Mirazid had been reviewed and their results analyzed. The majority of these studies reported higher than 90% cure rates, that even higher in mixed than single trematodal infections in humans and in farm animals. Only two groups of investigators reported lower cure rates as they used lower doses and estimated cure rates at a shorter period from treatment than recommended by innovators.

Radioiodine Treatment of Hyperthyroidism—Prognostic Factors for Outcome

There is little consensus regarding the most appropriate dose regimen for radioiodine (131I) in the treatment of hyperthyroidism. We audited 813 consecutive hyperthyroid patients treated with radioiodine to compare the efficacy of 2 fixed-dose regimens used within our center (185 megabequerels, 370 megabequerels) and to explore factors that may predict outcome. Patients were categorized into 3 diagnostic groups: Graves’ disease, toxic nodular goiter, and hyperthyroidism of indeterminate etiology. Cure after a single dose of 131I was investigated and defined as euthyroid off all treatment for 6 months or T4 replacement for biochemical hypothyroidism in all groups. As expected, patients given a single dose of 370 megabequerels had a higher cure rate than those given 185 megabequerels, (84.6% vs. 66.6%, P < 0.0001) but an increase in hypothyroidism incidence at 1 yr (60.8% vs. 41.3%, P < 0.0001). There was no difference in cure rate between the groups with Graves’ disease and those with toxic nodular goiter (69.5% vs. 71.4%; P, not significant), but Graves’ patients had a higher incidence of hypothyroidism (54.5% vs. 31.7%, P< 0.0001). Males had a lower cure rate than females (67.6% vs. 76.7%, P = 0.02), whereas younger patients (<40 yr) had a lower cure rate than patients over 40 yr old (68.9% vs. 79.3%, P < 0.001). Patients with more severe hyperthyroidism (P < 0.0001) and with goiters of medium or large size (P < 0.0001) were less likely to be cured after a single dose of 131I. The use of antithyroid drugs, during a period 2 wk before or after 131I, resulted in a significant reduction in cure rate in patients given 185 megabequerels 131I (P < 0.01) but not 370 megabequerels. Logistic regression analysis showed dose, gender, goiters of medium or large size, and severity of hyperthyroidism to be significant independent prognostic factors for cure after a single dose of 131I. We have demonstrated that a single fixed dose of 370 megabequerels 131I is highly effective in curing toxic nodular hyperthyroidism as well as Graves’ hyperthyroidism. Because male patients and those with more severe hyperthyroidism and medium or large-sized goiters are less likely to respond to a single dose of radioiodine, we suggest that the value of higher fixed initial doses of radioiodine should be evaluated in these patient categories with lower cure rates.

Crosslink Density Distributions in NR/BR Blends: Effect of Cure Temperature and Time

Crosslink distributions in gum natural rubber (NR)/cis-poly(butadiene) (BR) blend vulcanizates have been studied previously for cure states ranging from times shortly after the onset of cure to over-cure at 150 and 175 °C, respectively. The effects of lower cure temperatures on the crosslink distributions through the cure in NR/BR blend vulcanizates are considered here. The results of this and the previous work indicate that at temperatures above 140 °C the BR phase in gum NR/BR blends begins curing before and at a faster initial rate than the NR phase. Below 140 °C it is the NR phase which attains high crosslink densities first and maintains this increased level over BR until over-cure. The effect of cure temperature on crosslink distribution at maximum state of cure is also presented.