Title lending as a predatory practice: Subprime populations and financial violence

The passage of the Dodd‐Frank Act in 2010 ushered in the most ambitious financial reforms since the Banking Act of 1933. The core of the Act centered on ensuring more consumer protections from predatory financial practices through the creation of the Consumer Financial Protection Bureau (CFPB), which provided federal oversight of fringe lenders that profited off of high‐interest loans such as payday and automobile title loans. Yet the current deregulatory environment being promoted by the Trump administration is once again loosening the reins on fringe lenders that provide quick access to cash at triple digit interest rates. In this article, I provide an overview of the alternative finance service industry with a specific focus on one such instrument: auto title loans. Drawing upon governmental reports and the literature, I provide a comprehensive overview of the how the industry functions and who it targets. By focusing on the profit model that undergirds the title loan industry, I show how the profitability of the industry is directly tied to the extended vulnerability of its customer base. I conclude by offering suggestions for researchers to rethink predatory lending practices as a form of financial violence in order to reframe the discourse surrounding predatory lending.     

母语干扰对中日同形词理解与翻译的影响

日语中的汉字词多源于我国,其中大量汉字词词义与汉语相同,但也不乏词义相异之词。在教学中我们发现,正由于母语与日语中均存在同形词的“共同点”,导致学生往往“望文生义”,忽视部分词义相同或词义完全不同的同形词,造成误用和误译现象。本文就初级日语教学中经常出现的中日同形词误用及误译例,分析其在中日文不同语境中的用法,阐述在教学中排除母语干扰,转换思维,正确理解同形词对促进语言提高的重要性。     

Practical approaches for design and analysis of clinical trials of infertility treatments: crossover designs and the Mantel–Haenszel method are recommended

Crossover designs have some advantages over standard clinical trial designs and they are often used in trials evaluating the efficacy of treatments for infertility. However, clinical trials of infertility treatments violate a fundamental condition of crossover designs, because women who become pregnant in the first treatment period are not treated in the second period. In previous research, to deal with this problem, some new designs, such as re‐randomization designs, and analysis methods including the logistic mixture model and the beta‐binomial mixture model were proposed. Although the performance of these designs and methods has previously been evaluated in large‐scale clinical trials with sample sizes of more than 1000 per group, the actual sample sizes of infertility treatment trials are usually around 100 per group. The most appropriate design and analysis for these moderate‐scale clinical trials are currently unclear. In this study, we conducted simulation studies to determine the appropriate design and analysis method of moderate‐scale clinical trials for irreversible endpoints by evaluating the statistical power and bias in the treatment effect estimates. The Mantel–Haenszel method had similar power and bias to the logistic mixture model. The crossover designs had the highest power and the smallest bias. We recommend using a combination of the crossover design and the Mantel–Haenszel method for two‐period, two‐treatment clinical trials with irreversible endpoints. Copyright © 2015 John Wiley & Sons, Ltd.     

Upper tolerance limit for the largest observation from censored samples

This paper deals with obtaining an upper tolerance limit for a largest observation X_(n) in an ordered sample of size n from a continuous distribution where the first m observations X₍₁₎ < X₍₂₎ < … < X_(m), l ≤ m < n, have been observed. A criterion of “goodness” of tolerance limit is developed, and a method is given to obtain the best tolerance limit. This method is applied to exponential and Pareto distributions.     

Treatment with human chorionic gonadotropin for PADAM: A preliminary report

The purpose of this study was to evaluate the efficacy and safety of human chorionic gonadotropin (hCG) for patients with partial androgen deficiency of the aging male (PADAM). Twenty-one patients over 50 years of age with PADAM symptoms were included in this study. Laboratory and endocrinologic profiles were reviewed as appropriate, and PADAM symptoms were judged by means of several questionnaires such as the Aging Males' Symptoms (AMS) scale, short version of the International Index of Erectile Function (IIEF-5), and the Self-rating Depression Scale (SDS). Laboratory and endocrinologic values and symptom scores were evaluated and compared before and after treatment by hCG injection. The treatment period was 8.0 ± 5.0 months (3.0 – 24.0 months). Serum concentrations of testosterone, including total testosterone, calculated free testosterone, and calculated bioavailable testosterone, increased significantly. AMS total scores and subscores decreased significantly after treatment. However, IIEF-5 and SDS scores did not improve. With respect to adverse effects, laboratory tests showed that only red blood cell count, hematocrit and hemoglobin level increased significantly after treatment, however, these values remained within the normal range. No adverse effect was identified after treatment. We conclude that hCG injection may be considered as a treatment for PADAM.     

Expansions of the coverage probabilities of prediction region based on a shrinkage estimator

An expansion formula for the coverage probability of prediction region based on a shrinkage estimator proposed by Joshi [Joshi, V. M. (1967). Inadmissibility of the usual confidence sets for the mean of a multivariate normal population. Ann. Math. Statist., 38, 1868–1875.] is obtained. Its error bound is evaluated in terms of a function of an unknown parameter. Applying this result, three types of asymptotic expansions are derived. These expansions show inadmissibility of the usual prediction region.     

Cross-sectional analysis between prostate volumes and serum sex hormones in Japanese men attending a urological clinic

Aim: To evaluate epidemiologically the association between measured prostate volume and sex hormones.

Methods: Between December 2012 and September 2014, 226 patients attending the urological clinic were assessed for the relationship between prostate volume (PV) and, serum sex hormones, physical size, personal habits, etc. Prostate volume was measured by using transabdominal ultrasonography. Statistically, the Pearson correlation coefficients test was used.

Results: Total cases, the cases of PV?≤?25?ml, and the cases of PV?>?25?ml were evaluated respectively. Total cases and the cases of PV?>?25?ml showed a positive significant correlation with testosterone (T), but the cases of PV?≤?25?ml showed no such correlation. The cases of PV?>?25?ml had a positive significant correlation with estradiol (E2), but total cases and cases of PV?≤?25?ml did not. Dehydroepiandrosterone sulfate (DHEAS) showed no correlation with any case of PV, however it decreased significantly with age and had a correlation with alopecia. The E2/T ratio had no correlation with any case of PV, but on the other hand, the T/DHEAS and E2/DHEAS ratios had significant positive correlation with PV?>?25?ml.

Conclusions: Serum T and E2 had significant positive correlation with measured PV especially in larger prostates. This result seems to correspond with the conventional theory that T and E2 have an etiological effect on benign prostatic hyperplasia. DHEAS did not show direct correlation with PV, however it appeared to suppress the role of T and E2 on benign prostatic hyperplasia growth. DHEAS might be a key to understanding the etiology of benign prostatic hyperplasia with aging.     

Two-stage procedures for the difference of two multinormal means with covariance matrices different only by unknown scalar multipliers

We consider the problem of constructing a fixed-size confidence region for the difference of means of two multivariate normal populations It is assumed that the variance-covariance matrices of two populations are different only by unknown scalar multipliers Two-stage procedures are presented to derive such a confidence region We also discuss the asymptotic efficiency of the procedure.     

Selecting the best normal population better than a standard under unequal variances

In this article we consider a problem of selecting the best normal population that is better than a standard when the variances are unequal. Single-stage selection procedures are proposed when the variances are known. Wilcox (1984) and Taneja and Dudewicz (1992) proposed two-stage selection procedures when the variances are unknown. In addition to these procedures, we propose a two-stage selection procedure based on the method of Lam (1988). Comparisons are made between these selection procedures in terms of the sample sizes.     

Clinical trial of treatment with saikokaryukotsuboreito for eugonadal patients with late-inset hypogonadism-related symptoms

The purpose of this study was to evaluate the efficacy and safety of saikokaryukotsuboreito (SKRBT), which is widely used for a variety of clinical conditions, neuropsychiatric disorders, for patients with LOH-related symptoms. Twenty-two eugonadal patients over 40 years of age with LOH-related symptoms were included in this study. SKRBT was given orally to these patients three times daily to a total of 7.5 g/day for more than two months. Laboratory and endocrinological profiles were reviewed, and LOH symptoms were judged by means of several health assessment instruments such as the Aging Males' Symptoms (AMS) scale, Self-rated Depression Scale (SDS), International Prostate Symptom Score (IPSS), and King's Health Questionnaire (KHQ). Total AMS scores and AMS subscores were significantly decreased after the treatment. The KHQ, general health perception and impact on life scores were also significantly decreased, although no significant improvement was observed in other KHQ factors or the SDS score or IPSS. The serum concentrations of testosterone fractions did not change with treatment. Laboratory values did not change, and no adverse effects were identified after treatment. We conclude that SKRBT may be considered for treatment of patients with LOH-related symptoms for eugonadal patients.