Regulatory Change and Capital Adjustment of US Credit Unions

We investigate the determinants of US credit union capital-to-assets ratios, before and after the implementation of the current capital adequacy regulatory framework in 2000. Capitalization varies pro-cyclically, and until the financial crisis credit unions classified as adequately capitalized or below followed a faster adjustment path than well capitalized credit unions. This pattern was reversed, however, in the aftermath of the crisis. The introduction of the PCA regulatory regime achieved a reduction in the proportion of credit unions classified as adequately capitalized or below that continued until the onset of the crisis. Since the crisis, the speed of recovery of credit unions in this category following an adverse capitalization shock was sharply reduced.

The BRUTUS Automatic Cryptanalytic Framework: Testing CAESAR Authenticated Encryption Candidates for Weaknesses

This report summarizes our results from security analysis covering all 57 competitions for authenticated encryption: security, applicability, and robustness (CAESAR) first-round candidates and over 210 implementations. We have manually identified security issues with three candidates, two of which are more serious, and these ciphers have been withdrawn from the competition. We have developed a testing framework, BRUTUS, to facilitate automatic detection of simple security lapses and susceptible statistical structures across all ciphers. From this testing, we have security usage notes on four submissions and statistical notes on a further four. We highlight that some of the CAESAR algorithms pose an elevated risk if employed in real-life protocols due to a class of adaptive-chosen-plaintext attacks. Although authenticated encryption with associated data are often defined (and are best used) as discrete primitives that authenticate and transmit only complete messages, in practice, these algorithms are easily implemented in a fashion that outputs observable ciphertext data when the algorithm has not received all of the (attacker-controlled) plaintext. For an implementor, this strategy appears to offer seemingly harmless and compliant storage and latency advantages. If the algorithm uses the same state for secret keying information, encryption, and integrity protection, and the internal mixing permutation is not cryptographically strong, an attacker can exploit the ciphertext–plaintext feedback loop to reveal secret state information or even keying material. We conclude that the main advantages of exhaustive, automated cryptanalysis are that it acts as a very necessary sanity check for implementations and gives the cryptanalyst insights that can be used to focus more specific attack methods on given candidates.

Improving composite damage modelling through automatic placement of cohesive elements

Numerous experimental studies of damage in composite laminates have shown that intralaminar (in-plane) matrix cracks lead to interlaminar delamination (out-of-plane) at ply interfaces. The smearing of in-plane cracks over a volume, as a consequence of the use of continuum damage mechanics, does not always effectively capture the full extent of the interaction between the two failure mechanisms. A more accurate representation is obtained by adopting a discrete crack approach via the use of cohesive elements, for both in-plane and out-of-plane damage. The difficulty with cohesive elements is that their location must be determined a priori in order to generate the model; while ideally the position of the crack migration, and more generally the propagation path, should be obtained as part of the problem’s solution. With the aim of enhancing current modelling capabilities with truly predictive capabilities, a concept of automatic insertion of interface elements is utilized. The consideration of a simple traction criterion in relation to material strength, evaluated at each node of the model (or of the regions of the model where it is estimated cracks might form), allows for the determination of initial crack location and subsequent propagation by the insertion of cohesive elements during the course of the analysis. Several experimental results are modelled using the commercial package ABAQUS/Standard with an automatic insertion subroutine developed in this work, and the results are presented to demonstrate the capabilities of this technique.

Exploiting dynamic timing margins in microprocessors for frequency-over-scaling with instruction-based clock adjustment

Static timing analysis provides the basis for setting the clock period of a microprocessor core, based on its worst-case critical path. However, depending on the design, this critical path is not always excited and therefore dynamic timing margins exist that can theoretically be exploited for the benefit of better speed or lower power consumption (through voltage scaling). This paper introduces predictive instruction-based dynamic clock adjustment as a technique to trim dynamic timing margins in pipelined microprocessors. To this end, we exploit the different timing requirements for individual instructions during the dynamically varying program execution flow without the need for complex circuit-level measures to detect and correct timing violations. We provide a design flow to extract the dynamic timing information for the design using post-layout dynamic timing analysis and we integrate the results into a custom cycle-accurate simulator. This simulator allows annotation of individual instructions with their impact on timing (in each pipeline stage) and rapidly derives the overall code execution time for complex benchmarks. The design methodology is illustrated at the microarchitecture level, demonstrating the performance and power gains possible on a 6-stage OpenRISC in-order general purpose processor core in a 28nm CMOS technology. We show that employing instruction-dependent dynamic clock adjustment leads on average to an increase in operating speed by 38% or to a reduction in power consumption by 24%, compared to traditional synchronous clocking, which at all times has to respect the worst-case timing identified through static timing analysis.

Protocol-driven adjustment of ocular hypotensive medication in patients at low risk of conversion to glaucoma

AIM: To investigate the safety and potential savings of decreasing medication use in low-risk patients with ocular hypertension (OH).
METHODS: Patients with OH receiving pressure-lowering medication identified by medical record review at a university hospital underwent examination by a glaucoma specialist with assessment of visual field (VF), vertical cup-to-disc ratio (vCDR), central corneal thickness and intraocular pressure (IOP). Subjects with estimated 5-year risk of glaucoma conversion <15% were asked to discontinue ≥1 medication, IOP was remeasured 1 month later and risk was re-evaluated at 1 year.
RESULTS: Among 212 eyes of 126 patients, 44 (20.8%) had 5-year risk >15% and 14 (6.6%) had unreliable baseline VF. At 1 month, 15 patients (29 eyes, 13.7%) defaulted follow-up or refused to discontinue medication and 11 eyes (5.2%) had risk >15%. The remaining 69 patients (107 eyes, 50.7%) successfully discontinued 141 medications and completed 1-year follow-up. Mean IOP (20.5±2.65 mm Hg vs 20.3±3.40, p=0.397) did not change, though mean VF pattern SD (1.58±0.41 dB vs 1.75±0.56 dB, p=0.001) and glaucoma conversion risk (7.31±3.74% vs 8.76±6.28%, p=0.001) increased at 1 year. Mean defect decreased (-1.42±1.60 vs -1.07±1.52, p=0.022). One eye (0.47%) developed a repeatable VF defect and 13 eyes (6.1%) had 5-year risk >15% at 1 year. The total 1-year cost of medications saved was US$4596.
CONCLUSIONS: Nearly half (43.9%) of low-risk OH eyes in this setting could safely reduce medications over 1 year, realising substantial savings.Published by the BMJ Publishing Group Limited. For permission to use (where not already granted under a licence) please go to http://group.bmj.com/group/rights-licensing/permissions.

Nuclear cataract shows significant familial aggregation in an older population after adjustment for possible shared environmental factors.

PURPOSE: To quantify the association between siblings in age-related nuclear cataract, after adjusting for known environmental and personal risk factors. METHODS: All participants (probands) in the Salisbury Eye Evaluation (SEE) project and their locally resident siblings underwent digital slit lamp photography and were administered a questionnaire to assess risk factors for cataract including: age, gender, lifetime sun exposure, smoking and diabetes history, and use of alcohol and medications such as estrogens and steroids. In addition, blood pressure, body mass index, and serum antioxidants were measured in all participants. Lens photographs were graded by trained observers masked to the subjects' identity, using the Wilmer Cataract Grading System. The odds ratio for siblings for affectedness with nuclear cataract and the sibling correlation of nuclear cataract grade, after adjusting for covariates, were estimated with generalized estimating equations. RESULTS: Among 307 probands (mean age, 77.6 +/- 4.5 years) and 434 full siblings (mean age, 72.4 +/- 7.4 years), the average sibship size was 2.7 per family. After adjustment for covariates, the probability of development of nuclear cataract was significantly increased (odds ratio [OR] = 2.07, 95% confidence interval [CI], 1.30-3.30) among individuals with a sibling with nuclear cataract (nuclear grade > or = 3.0). The final fitted model indicated a magnitude of heritability for nuclear cataract of 35.6% (95% CI: 21.0%-50.3%) after adjustment for the covariates. CONCLUSIONS: Findings in this study are consistent with a genetic effect for age-related nuclear cataract, a common and clinically significant form of lens opacity.

Cortical, but not posterior subcapsular, cataract shows significant familial aggregation in an older population after adjustment for possible shared environmental factors.

PURPOSE:

To quantify the risk for age-related cortical cataract and posterior subcapsular cataract (PSC) associated with having an affected sibling after adjusting for known environmental and personal risk factors.

DESIGN:

Sibling cohort study.

PARTICIPANTS:

Participants in the ongoing Salisbury Eye Evaluation (SEE) study (n = 321; mean age, 78.1+/-4.2 years) and their locally resident siblings (n = 453; mean age, 72.6+/-7.4 years) were recruited at the time of Rounds 3 and 4 of the SEE study. INTERVENTION/TESTING METHODS: Retroillumination photographs of the lens were graded for the presence of cortical cataract and PSC with the Wilmer grading system. The residual correlation between siblings' cataract grades was estimated after adjustment for a number of factors (age; gender; race; lifetime exposure to ultraviolet-B light; cigarette, alcohol, estrogen, and steroid use; serum antioxidants; history of diabetes; blood pressure; and body mass index) suspected to be associated with the presence of cataract.

RESULTS:

The average sibship size was 2.7 per family. Multivariate analysis revealed the magnitude of heritability (h(2)) for cortical cataract to be 24% (95% CI, 6%-42%), whereas that for PSC was not statistically significant (h(2) 4%; 95% CI, 0%-11%) after adjustment for the covariates. The model revealed that increasing age, female gender, a history of diabetes, and black race increased the odds of cortical cataract, whereas higher levels of provitamin A were protective. A history of diabetes and steroid use increased the odds for PSC.

CONCLUSIONS:

This study is consistent with a significant genetic effect for age-related cortical cataract but not PSC.

Automatic information and safety systems for driving assistance

O objeto principal desta tese é o estudo de algoritmos de processamento e representação automáticos de dados, em particular de informação obtida por sensores montados a bordo de veículos (2D e 3D), com aplicação em contexto de sistemas de apoio à condução. O trabalho foca alguns dos problemas que, quer os sistemas de condução automática (AD), quer os sistemas avançados de apoio à condução (ADAS), enfrentam hoje em dia. O documento é composto por duas partes. A primeira descreve o projeto, construção e desenvolvimento de três protótipos robóticos, incluindo pormenores associados aos sensores montados a bordo dos robôs, algoritmos e arquitecturas de software. Estes robôs foram utilizados como plataformas de ensaios para testar e validar as técnicas propostas. Para além disso, participaram em várias competições de condução autónoma tendo obtido muito bons resultados. A segunda parte deste documento apresenta vários algoritmos empregues na geração de representações intermédias de dados sensoriais. Estes podem ser utilizados para melhorar técnicas já existentes de reconhecimento de padrões, deteção ou navegação, e por este meio contribuir para futuras aplicações no âmbito dos AD ou ADAS. Dado que os veículos autónomos contêm uma grande quantidade de sensores de diferentes naturezas, representações intermédias são particularmente adequadas, pois podem lidar com problemas relacionados com as diversas naturezas dos dados (2D, 3D, fotométrica, etc.), com o carácter assíncrono dos dados (multiplos sensores a enviar dados a diferentes frequências), ou com o alinhamento dos dados (problemas de calibração, diferentes sensores a disponibilizar diferentes medições para um mesmo objeto). Neste âmbito, são propostas novas técnicas para a computação de uma representação multi-câmara multi-modal de transformação de perspectiva inversa, para a execução de correcção de côr entre imagens de forma a obter mosaicos de qualidade, ou para a geração de uma representação de cena baseada em primitivas poligonais, capaz de lidar com grandes quantidades de dados 3D e 2D, tendo inclusivamente a capacidade de refinar a representação à medida que novos dados sensoriais são recebidos.

Determinantes psicossociais da dor sexual na mulher portuguesa

A dor é uma experiência perceptualmente complexa, influenciada por um conjunto variado de fatores biológicos e também psicossociais. A sua vivência varia de pessoa para pessoa, havendo diferentes níveis de impacto no funcionamento emocional, interpessoal, motivacional e físico. A dor sexual, mais conhecida por dispareunia e vaginismo, é uma problemática de natureza habitualmente crónica que afeta muitas mulheres. Apesar de ser um importante alvo de estudo nas últimas décadas, e apesar do impacto que tem nas vidas de muitas mulheres, é ainda uma temática pouco abordada junto dos profissionais de saúde, sendo igualmente difícil a determinação da sua causa e respetivo tratamento. A sua concetualização tem sido um dos principais alvos de discussão entre investigadores e clínicos, havendo quem defenda que a mesma deve ser considerada, ou como uma perturbação de dor, ou como uma disfunção sexual. Contudo, mesmo com um crescimento significativo da literatura, não existem ainda dados que clarifiquem o papel que determinadas variáveis psicossociais exercem no desenvolvimento e manutenção da dor sexual e que forma estas aproximam, ou distanciam, este quadro clínico da dor crónica e de outras disfunções sexuais. Neste contexto, o objetivo do presente estudo consistiu em avaliar a influência do Mindfulness, do afeto-traço, dos pensamentos automáticos, das crenças sexuais, da perceção, vigilância e catastrofização face à dor, da perceção da resposta do outro significativo à dor, da autoestima, da autoestima sexual, do ajustamento diádico e do funcionamento sexual em mulheres com dor sexual, comparando-as com três grupos específicos: mulheres com dor crónica, mulheres com outras dificuldades sexuais e mulheres da população geral, sem nenhuma destas dificuldades. Por outro lado, foi avaliada a capacidade preditiva de cada uma destas variáveis psicossociais na intensidade da dor em mulheres que sofrem de dor sexual e dor crónica. Um total de 1233 mulheres colaboraram no presente estudo: 371 mulheres com dor sexual, 245 mulheres com dor crónica, 94 mulheres com disfunção sexual e 523 mulheres da população geral. As participantes responderam a um conjunto de questionários que foram disponibilizados através de um link online e que avaliaram cada uma das dimensões em estudo. Os resultados mostraram que as mulheres com dor sexual e disfunção sexual apresentaram uma menor capacidade para ser mindful, mais pensamentos automáticos negativos de fracasso/desistência, uma maior escassez de pensamentos eróticos, uma menor autoestima e autoestima sexual e uma menor qualidade do ajustamento diádico e funcionamento sexual, quando comparadas com as mulheres com dor crónica e da população geral. Por outro lado, as mulheres com dor sexual e dor crónica apresentaram maiores níveis de perceção, vigilância e catastrofização face à dor, quando comparadas com as mulheres com disfunção sexual e da população geral. Ao nível da perceção da reposta do outro significativo, as mulheres com dor sexual apresentaram significativamente uma menor perceção de respostas solícitas que as mulheres com dor crónica e da população geral. Não foram encontradas diferenças entre os grupos ao nível do afeto-traço e crenças sexuais disfuncionais. No que diz respeito à intensidade da dor nas mulheres com dor sexual, emergiram como preditores significativos os pensamentos de fracasso, as crenças sexuais de desejo sexual como pecado, a magnificação e o desânimo face à dor, a atenção à dor, a perceção de resposta de punição do outro significativo, o ajustamento diádico, a autoestima e a autoestima sexual. Em relação ao grupo com dor crónica, surgiram como preditores significativos o afeto negativo, o desânimo face à dor, a atenção à dor e a perceção de resposta de punição do outro significativo. Uma análise conjunta de todos estes preditores para cada um dos grupos, demonstrou que a perceção da resposta de punição da parte de outro significativo se constituiu como o melhor preditor da intensidade da dor nas mulheres com dor sexual, enquanto que o desânimo face à dor se mostrou como o mais significativo nas mulheres com dor crónica. De uma forma geral, os resultados demonstraram a importância das diferentes variáveis psicossociais na vivência da dor sexual e na respetiva intensidade da dor. Revelaram ainda que a dor sexual apresenta aspetos em comum, quer com a dor crónica, principalmente ao nível da relação com a dor, quer com outras disfunções sexuais, nomeadamente em termos cognitivos e relacionais. O presente estudo vem assim reforçar a ideia de que este é um quadro clínico multidimensional e complexo, trazendo consigo importantes implicações ao nível da sua concetualização, avaliação e tratamento.

Special issue on the 6th Portuguese Conference on Automatic Control (Controlo 2004)

The Portuguese Association of Automatic Control (APCA) organizes, every two years, the Portuguese Conference on Automatic Control. Its 6th edition (Controlo 2004) was held from 7 to 9 June, 2004 at the University of Algarve, Faro, Portugal, by its Centre for Intelligent Systems (CSI). CONTROLO 2004 International Program Committee (IPC) has decided, from the very start, to ask for submission of full draft papers, to encourage special sessions with well-defined themes, and for student papers. All papers have been reviewed by three separate reviewers. From the 122 contributions submitted, the IPC selected 89 oral papers, 20 special session papers, and 5 student posters. CONTROLO 2004 Technical Programme consists of 33 oral sessions (5 being special sessions) and 1 poster session, covering a broad range of control topics, both from theory and applications. The programme also includes three plenary lectures, given by leading experts in the field, Professors Ricardo Sanz, João Miranda Lemos and Rolf Isermann.

Automatic parallelization of matricial algorithms

The introduction of parallel processing architectures allowed the real time impelemtation of more sophisticated control algorithms with tighter specifications in terms of sampling time. However, to take advantage of the processing power of these architectures the control engeneer, due to the lack of appropriate tools, must spend a considerable amount of time in the parallelizaton of the control algorithm.

Automatic tuning of PID controllers using a neuro-genetic system

Neural networks and genetic algorithms have been in the past successfully applied, separately, to controller turning problems. In this paper we propose to combine its joint use, by exploiting the nonlinear mapping capabilites of neural networks to model objective functions, and to use them to supply their values to a genetic algorithm which performs on-line minimization.

Automatic processing of bidimensional images of ''omic'' expression blobs

In this work, a comprehensive review on automatic analysis of Proteomics and Genomics images is presented. Special emphasis is given to a particularly complex image produced by a technique called Two-Dimensional Gel Electrophoresis (2-DE), with thousands of spots (or blobs). Automatic methods for the detection, segmentation and matching of blob like features are discussed and proposed. In particular, a very robust procedure was achieved for processing 2-DE images, consisting mainly of two steps: a) A very trustworthy new approach for the automatic detection and segmentation of spots, based on the Watershed Transform, without any foreknowledge of spot shape or size, and without user intervention; b) A new method for spot matching, based on image registration, that performs well for either global or local distortions. The results of the proposed methods are compared to state-of-the-art academic and commercial products.