Abstract: Every commercial bank optimises its asset portfolio
depending on the profitability of assets and chosen or imposed
constraints. This paper proposes and applies a stylized model for
optimising banks' asset and liability structure, reflecting profitability
of different asset categories and their risks as well as costs associated
with different liability categories and reserve requirements. The level
of detail for asset and liability categories is chosen to create a
suitably parsimonious model and to include the most important
categories in the model. It is shown that the most appropriate
optimisation criterion for the model is the maximisation of the ratio
of net interest income to assets. The maximisation of this ratio is
subject to several constraints. Some are accounting identities or
dictated by legislative requirements; others vary depending on the
market objectives for a particular bank. The model predicts variable
amount of assets allocated to loan provision.
Abstract: Heart-s electric field can be measured anywhere on
the surface of the body (ECG). When individuals touch, one person-s
ECG signal can be registered in other person-s EEG and elsewhere
on his body. Now, the aim of this study was to test the hypothesis
that physical contact (hand-holding) of two persons changes their
heart rate variability. Subjects were sixteen healthy female (age: 20-
26) which divided into eight sets. In each sets, we had two friends
that they passed intimacy test of J.sternberg. ECG of two subjects
(each set) acquired for 5 minutes before hand-holding (as control
group) and 5 minutes during they held their hands (as experimental
group). Then heart rate variability signals were extracted from
subjects' ECG and analyzed in linear feature space (time and
frequency domain) and nonlinear feature space. Considering the
results, we conclude that physical contact (hand-holding of two
friends) increases parasympathetic activity, as indicate by increase
SD1, SD1/SD2, HF and MF power (p
Abstract: A mammography image is composed of low contrast area where the breast tissues and the breast abnormalities such as microcalcification can hardly be differentiated by the medical practitioner. This paper presents the application of active contour models (Snakes) for the segmentation of microcalcification in mammography images. Comparison on the microcalcifiation areas segmented by the Balloon Snake, Gradient Vector Flow (GVF) Snake, and Distance Snake is done against the true value of the microcalcification area. The true area value is the average microcalcification area in the original mammography image traced by the expert radiologists. From fifty images tested, the result obtained shows that the accuracy of the Balloon Snake, GVF Snake, and Distance Snake in segmenting boundaries of microcalcification are 96.01%, 95.74%, and 95.70% accuracy respectively. This implies that the Balloon Snake is a better segmentation method to locate the exact boundary of a microcalcification region.
Abstract: In this paper, we present C@sa, a multiagent system aiming at modeling, controlling and simulating the behavior of an intelligent house. The developed system aims at providing to architects, designers and psychologists a simulation and control tool for understanding which is the impact of embedded and pervasive technology on people daily life. In this vision, the house is seen as an environment made up of independent and distributed devices, controlled by agents, interacting to support user's goals and tasks.
Abstract: A learning management system (commonly
abbreviated as LMS) is a software application for the administration,
documentation, tracking, and reporting of training programs,
classroom and online events, e-learning programs, and training
content (Ellis 2009). (Hall 2003) defines an LMS as \"software that
automates the administration of training events. All Learning
Management Systems manage the log-in of registered users, manage
course catalogs, record data from learners, and provide reports to
management\". Evidence of the worldwide spread of e-learning in
recent years is easy to obtain. In April 2003, no fewer than 66,000
fully online courses and 1,200 complete online programs were listed
on the TeleCampus portal from TeleEducation (Paulsen 2003). In the
report \" The US market in the Self-paced eLearning Products and
Services:2010-2015 Forecast and Analysis\" The number of student
taken classes exclusively online will be nearly equal (1% less) to the
number taken classes exclusively in physical campuses. Number of
student taken online course will increase from 1.37 million in 2010 to
3.86 million in 2015 in USA. In another report by The Sloan
Consortium three-quarters of institutions report that the economic
downturn has increased demand for online courses and programs.
Abstract: Turkey has 72 % of total world boron reserves on the
basis of B2O3.Borates that is a refined form of boron minerals have a
wide range of applications. Zinc borates can be used as multifunctional
synergistic additives. The most important properties are
low solubility in water and high dehydration temperature. Zinc
borates dehydrate above 290°C and anhydrous zinc borate has
thermal resistance about 400°C. Zinc borates can be synthesized
using several methods such as hydrothermal and solid-state
processes. In this study, the solid-state method was applied between
500 and 800°C using the starting materials of ZnO and H3BO3 with
1:4 mole ratio. The reaction time was determined as 4 hours after
some preliminary experiments. After the synthesis, the crystal
structure and the morphology of the products were examined by XRay
Diffraction (XRD), Fourier Transform Infrared Spectroscopy
(FT-IR) and Raman Spectrometer. As a result the form of ZnB4O7
was synthesized with the highest crystal score at 800°C.
Abstract: The purpose of this paper is to present two different
approaches of financial distress pre-warning models appropriate for
risk supervisors, investors and policy makers. We examine a sample
of the financial institutions and electronic companies of Taiwan
Security Exchange (TSE) market from 2002 through 2008. We
present a binary logistic regression with paned data analysis. With
the pooled binary logistic regression we build a model including
more variables in the regression than with random effects, while the
in-sample and out-sample forecasting performance is higher in
random effects estimation than in pooled regression. On the other
hand we estimate an Adaptive Neuro-Fuzzy Inference System
(ANFIS) with Gaussian and Generalized Bell (Gbell) functions and
we find that ANFIS outperforms significant Logit regressions in both
in-sample and out-of-sample periods, indicating that ANFIS is a
more appropriate tool for financial risk managers and for the
economic policy makers in central banks and national statistical
services.
Abstract: Logistics outsourcing is a growing trend and measuring its performance, a challenge. It must be consistent with the objectives set for logistics outsourcing, but we have found no objective-based performance measurement system. We have conducted a comprehensive review of the specialist literature to cover this gap, which has led us to identify and define these objectives. The outcome is that we have obtained a list of the most relevant objectives and their descriptions. This will enable us to analyse in a future study whether the indicators used for measuring logistics outsourcing performance are consistent with the objectives pursued with the outsourcing. If this is not the case, a proposal will be made for a set of financial and operational indicators to measure performance in logistics outsourcing that take the goals being pursued into account.
Abstract: The objective of this study was to improve our
understanding of vulnerability and environmental change; it's causes
basically show the intensity, its distribution and human-environment
effect on the ecosystem in the Apodi Valley Region, This paper is
identify, assess and classify vulnerability and environmental change
in the Apodi valley region using a combined approach of landscape
pattern and ecosystem sensitivity. Models were developed using the
following five thematic layers: Geology, geomorphology, soil,
vegetation and land use/cover, by means of a Geographical
Information Systems (GIS)-based on hydro-geophysical parameters.
In spite of the data problems and shortcomings, using ESRI-s ArcGIS
9.3 program, the vulnerability score, to classify, weight and combine
a number of 15 separate land cover classes to create a single indicator
provides a reliable measure of differences (6 classes) among regions
and communities that are exposed to similar ranges of hazards.
Indeed, the ongoing and active development of vulnerability
concepts and methods have already produced some tools to help
overcome common issues, such as acting in a context of high
uncertainties, taking into account the dynamics and spatial scale of
asocial-ecological system, or gathering viewpoints from different
sciences to combine human and impact-based approaches. Based on
this assessment, this paper proposes concrete perspectives and
possibilities to benefit from existing commonalities in the
construction and application of assessment tools.
Abstract: Crucial information barely visible to the human eye is
often embedded in a series of low resolution images taken of the
same scene. Super resolution reconstruction is the process of
combining several low resolution images into a single higher
resolution image. The ideal algorithm should be fast, and should add
sharpness and details, both at edges and in regions without adding
artifacts. In this paper we propose a super resolution blind
reconstruction technique for linearly degraded images. In our
proposed technique the algorithm is divided into three parts an image
registration, wavelets based fusion and an image restoration. In this
paper three low resolution images are considered which may sub
pixels shifted, rotated, blurred or noisy, the sub pixel shifted images
are registered using affine transformation model; A wavelet based
fusion is performed and the noise is removed using soft thresolding.
Our proposed technique reduces blocking artifacts and also
smoothens the edges and it is also able to restore high frequency
details in an image. Our technique is efficient and computationally
fast having clear perspective of real time implementation.
Abstract: Ethanol is generally used as a therapeutic reagent against Hepatocellular carcinoma (HCC or hepatoma) worldwide, as it can induce Hepatocellular carcinoma cell apoptosis at low concentration through a multifactorial process regulated by several unknown proteins. This paper provides a simple and available proteomic strategy for exploring differentially expressed proteins in the apoptotic pathway. The appropriate concentrations of ethanol required to induce HepG2 cell apoptosis were first assessed by MTT assay, Gisma and fluorescence staining. Next, the central proteins involved in the apoptosis pathway processs were determined using 2D-PAGE, SDS-PAGE, and bio-software analysis. Finally the downregulation of two proteins, AFP and survivin, were determined by immunocytochemistry and reverse transcriptase PCR (RT-PCR) technology. The simple, useful method demonstrated here provides a new approach to proteomic analysis in key bio-regulating process including proliferation, differentiation, apoptosis, immunity and metastasis.
Abstract: Most Decision Support Systems (DSS) for waste
management (WM) constructed are not widely marketed and lack
practical applications. This is due to the number of variables and
complexity of the mathematical models which include the
assumptions and constraints required in decision making. The
approach made by many researchers in DSS modelling is to isolate a
few key factors that have a significant influence to the DSS. This
segmented approach does not provide a thorough understanding of
the complex relationships of the many elements involved. The
various elements in constructing the DSS must be integrated and
optimized in order to produce a viable model that is marketable and
has practical application. The DSS model used in assisting decision
makers should be integrated with GIS, able to give robust prediction
despite the inherent uncertainties of waste generation and the plethora
of waste characteristics, and gives optimal allocation of waste stream
for recycling, incineration, landfill and composting.
Abstract: Mobile IP has been developed to provide the
continuous information network access to mobile users. In IP-based
mobile networks, location management is an important component of
mobility management. This management enables the system to track
the location of mobile node between consecutive communications. It
includes two important tasks- location update and call delivery.
Location update is associated with signaling load. Frequent updates
lead to degradation in the overall performance of the network and the
underutilization of the resources. It is, therefore, required to devise
the mechanism to minimize the update rate. Mobile IPv6 (MIPv6)
and Hierarchical MIPv6 (HMIPv6) have been the potential
candidates for deployments in mobile IP networks for mobility
management. HMIPv6 through studies has been shown with better
performance as compared to MIPv6. It reduces the signaling
overhead traffic by making registration process local. In this paper,
we present performance analysis of MIPv6 and HMIPv6 using an
analytical model. Location update cost function is formulated based
on fluid flow mobility model. The impact of cell residence time, cell
residence probability and user-s mobility is investigated. Numerical
results are obtained and presented in graphical form. It is shown that
HMIPv6 outperforms MIPv6 for high mobility users only and for low
mobility users; performance of both the schemes is almost equivalent
to each other.
Abstract: Sickness absence represents a major economic and
social issue. Analysis of sick leave data is a recurrent challenge to analysts because of the complexity of the data structure which is
often time dependent, highly skewed and clumped at zero. Ignoring these features to make statistical inference is likely to be inefficient
and misguided. Traditional approaches do not address these problems. In this study, we discuss model methodologies in terms of statistical techniques for addressing the difficulties with sick leave data. We also introduce and demonstrate a new method by performing a longitudinal assessment of long-term absenteeism using
a large registration dataset as a working example available from the Helsinki Health Study for municipal employees from Finland during the period of 1990-1999. We present a comparative study on model
selection and a critical analysis of the temporal trends, the occurrence
and degree of long-term sickness absences among municipal employees. The strengths of this working example include the large
sample size over a long follow-up period providing strong evidence in supporting of the new model. Our main goal is to propose a way to
select an appropriate model and to introduce a new methodology for analysing sickness absence data as well as to demonstrate model
applicability to complicated longitudinal data.
Abstract: According to the statistics, the prevalence of congenital hearing loss in Taiwan is approximately six thousandths; furthermore, one thousandths of infants have severe hearing impairment. Hearing ability during infancy has significant impact in the development of children-s oral expressions, language maturity, cognitive performance, education ability and social behaviors in the future. Although most children born with hearing impairment have sensorineural hearing loss, almost every child more or less still retains some residual hearing. If provided with a hearing aid or cochlear implant (a bionic ear) timely in addition to hearing speech training, even severely hearing-impaired children can still learn to talk. On the other hand, those who failed to be diagnosed and thus unable to begin hearing and speech rehabilitations on a timely manner might lose an important opportunity to live a complete and healthy life. Eventually, the lack of hearing and speaking ability will affect the development of both mental and physical functions, intelligence, and social adaptability. Not only will this problem result in an irreparable regret to the hearing-impaired child for the life time, but also create a heavy burden for the family and society. Therefore, it is necessary to establish a set of computer-assisted predictive model that can accurately detect and help diagnose newborn hearing loss so that early interventions can be provided timely to eliminate waste of medical resources. This study uses information from the neonatal database of the case hospital as the subjects, adopting two different analysis methods of using support vector machine (SVM) for model predictions and using logistic regression to conduct factor screening prior to model predictions in SVM to examine the results. The results indicate that prediction accuracy is as high as 96.43% when the factors are screened and selected through logistic regression. Hence, the model constructed in this study will have real help in clinical diagnosis for the physicians and actually beneficial to the early interventions of newborn hearing impairment.
Abstract: Mining tailings represent a generating source of rich heavy metal material with a potential danger the public health and the environment, since these metals, under certain conditions, can leach and contaminate aqueous systems that serve like supplying potable water sources. The strategy for this work is based on the observation, experimentation and the simulation that can be obtained by binding real answers of the hydrodynamic behavior of metals leached from mining tailings, and the applied mathematics that provides the logical structure to decipher the individual effects of the general physicochemical phenomenon. The case of study presented herein focuses on mining tailings deposits located in Monte San Nicolas, Guanajuato, Mexico, an abandoned mine. This was considered the contamination source that under certain physicochemical conditions can favor the metal leaching, and its transport towards aqueous systems. In addition, the cartography, meteorology, geology and the hydrodynamics and hydrological characteristics of the place, will be helpful in determining the way and the time in which these systems can interact. Preliminary results demonstrated that arsenic presents a great mobility, since this one was identified in several superficial aqueous systems of the micro watershed, as well as in sediments in concentrations that exceed the established maximum limits in the official norms. Also variations in pH and potential oxide-reduction were registered, conditions that favor the presence of different species from this element its solubility and therefore its mobility.
Abstract: Microarray experiments are information rich; however, extensive data mining is required to identify the patterns that characterize the underlying mechanisms of action. For biologists, a key aim when analyzing microarray data is to group genes based on the temporal patterns of their expression levels. In this paper, we used an iterative clustering method to find temporal patterns of gene expression. We evaluated the performance of this method by applying it to real sporulation data and simulated data. The patterns obtained using the iterative clustering were found to be superior to those obtained using existing clustering algorithms.
Abstract: The seismic vulnerability of an urban area is of a great
deal for local authorities especially those facing earthquakes. So, it is
important to have an efficient tool to assess the vulnerability of
existing buildings. The use of the VIP (Vulnerability Index Program)
and the GIS (Geographic Information System) let us to identify the
most vulnerable districts of an urban area.
The use of the vulnerability index method lets us to assess the
vulnerability of the center town of Blida (Algeria) which is a
historical town and which has grown enormously during the last
decades. In this method, three levels of vulnerability are defined. The
GIS has been used to build a data base in order to perform different
thematic analyses. These analyses show the seismic vulnerability of
Blida.
Abstract: Based on an analysis of the current research and application of Road maintenance, geographic information system (WebGIS) and ArcGIS Server, the platform overhead construction for Road maintenance development is studied and the key issues are presented, including the organization and design of spatial data on the basis of the geodatabase technology, middleware technology, tiles cache index technology and dynamic segmentation of WebGIS. Road maintenance geographic information platform is put forward through the researching ideas of analysis of the system design. The design and application of WebGIS system are discussed on the basis of a case study of BaNan district of Chongqing highway maintenance management .The feasibility of the theories and methods are validated through the system.
Abstract: X-ray mammography is the most effective method for
the early detection of breast diseases. However, the typical diagnostic
signs such as microcalcifications and masses are difficult to detect
because mammograms are of low-contrast and noisy. In this paper, a
new algorithm for image denoising and enhancement in Orthogonal
Polynomials Transformation (OPT) is proposed for radiologists to
screen mammograms. In this method, a set of OPT edge coefficients
are scaled to a new set by a scale factor called OPT scale factor. The
new set of coefficients is then inverse transformed resulting in
contrast improved image. Applications of the proposed method to
mammograms with subtle lesions are shown. To validate the
effectiveness of the proposed method, we compare the results to
those obtained by the Histogram Equalization (HE) and the Unsharp
Masking (UM) methods. Our preliminary results strongly suggest
that the proposed method offers considerably improved enhancement
capability over the HE and UM methods.