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"Howe, John"
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Old Age and the Decline in Financial Literacy
Households age 60 and older bear increasing responsibility for managing retirement portfolios, and they hold the majority of financial assets in the United States. Cognitive aging studies find evidence of a decline in fluid and crystallized intelligence in old age that may impact the ability to manage money effectively. Using a large sample of older respondents, we test whether knowledge of basic concepts essential to effective financial choice declines after age 60. We find a consistent linear decline in financial literacy score after age 60. A nearly identical rate of decline among men, stockowners, older, and college-educated respondents indicates that cohort effects are not driving the results. Confidence in financial decision-making abilities does not decline with age. A separate analysis using data that include measures of cognitive ability suggests that a natural decline in both fluid and crystallized intelligence in old age contributes to falling financial literacy scores.
This paper was accepted by Brad Barber, finance.
Journal Article
A Middle-Earth traveler : sketches from Bag End to Mordor
\"A Middle-earth Traveler is an illustrated guide to J.R.R. Tolkien's most famous creation, with lavish art showing the many locations and characters the author described in his classic novels, along with notes on their importance to the world\"-- Provided by publisher.
BOOK
Analyst coverage and syndicated lending
We study the effects of analyst coverage on syndicated lending. We hypothesize that analyst research alleviates information asymmetries between lead arrangers and participant lenders within a syndicate, increasing the participants’ credit supply and reducing the required loan interest spread. Using exogenous shocks to firms’ analyst coverage, we find that firms pay higher loan interest spreads and that participant lenders fund smaller fractions of the loans after firms experience a reduction in analyst coverage. Participants are more likely to be nonbank institutional investors and to transact with familiar lead arrangers after the coverage shocks.
Journal Article
Echo character mapping and depositional processes on the western Svalbard continental margin
An echo character mapping study of the western Svalbard continental margin, based on ca. 3980 km of archived sub-bottom profile data, is presented. Four distinct echo character types are recognized. Type I is found on the continental slope and in the fjords as thin, irregularly parallel, sub-bottom reflectors, interpreted as glaciomarine plumes, turbidites and other features resulting from low-energy depositional processes. Type II occurs in the deeper water regions of the slope and basins as continuous, well-stratified, parallel reflectors that are interpreted as hemipelagites, distal turbidites and contourites. Type III, found only on the shelf, comprises continuous, highly reflective reflectors that are interpreted as coarse-grained sediments or exposed bedrock. Type IV occurs in fjords and shelf regions and is characterized by a single sub-bottom reflector with a transparent unit; it is interpreted as poorly sorted glacial diamict. This study also mapped numerous seabed features, including debris flow lobes, channel systems, pockmarks and gas chimneys. It illustrates how echo character mapping furthers our understanding of processes on the margin and contributes to reconstructing palaeoceanographic and palaeoclimatic conditions.
Journal Article
Kongo : power and majesty
\"A landmark presentation that will radically redefine our understanding of Africa's relationship with the West, Kongo: Power and Majesty, opening at The Metropolitan Museum of Art this September, will focus on one of the continent's most influential artistic traditions, from the earliest moment of direct engagement between African and European leaders at the end of the 15th century through the early 20th century. The creative output of Kongo artists of Central Africa will be represented by 134 works drawn from more than 50 institutional and private collections across Europe and the United States, reflecting five hundred years of encounters and shifting relations between European and Kongo leaders. From a dynamic assembly of 15 monumental power figures to elegantly carved ivories and finely woven textiles, the exhibition will explore how the talents of Central Africa's most gifted artists were directed toward articulating a culturally distinct vernacular of power.\"--Metropolitan Museum of Art website
Book
Selective small-molecule inhibition of an RNA structural element
Riboswitches are non-coding RNA structures located in messenger RNAs that bind endogenous ligands, such as a specific metabolite or ion, to regulate gene expression. As such, riboswitches serve as a novel, yet largely unexploited, class of emerging drug targets. Demonstrating this potential, however, has proven difficult and is restricted to structurally similar antimetabolites and semi-synthetic analogues of their cognate ligand, thus greatly restricting the chemical space and selectivity sought for such inhibitors. Here we report the discovery and characterization of ribocil, a highly selective chemical modulator of bacterial riboflavin riboswitches, which was identified in a phenotypic screen and acts as a structurally distinct synthetic mimic of the natural ligand, flavin mononucleotide, to repress riboswitch-mediated
ribB
gene expression and inhibit bacterial cell growth. Our findings indicate that non-coding RNA structural elements may be more broadly targeted by synthetic small molecules than previously expected.
A novel drug, ribocil, is shown to mimic the binding of a natural ligand to a bacterial riboflavin riboswitch (a non-coding stretch of messenger RNA whose structure is affected by a ligand—usually one related to the function of the protein encoded by the messenger RNA) to cause inhibition of bacterial growth; the ability to target an RNA structural element with a synthetic small molecule may expand our view of the target space susceptible to therapeutic intervention.
New antibiotic trips an RNA switch
The urgent need for new antibiotics is well recognized. Terry Roemer and colleagues at Merck now describe a new synthetic antibiotic, directed against a bacterial riboswitch. Riboswitches are stretches of non-coding RNA whose structure is affected by a ligand — usually one related to the function of the protein encoded by the riboswitch-containing gene. The new drug, ribocil, blocks the flavin mononucleotide riboswitch-mediated expression of the
ribB
gene required for riboflavin biosynthesis. Ribocil inhibits bacterial cell growth and is effective in treating a bacterial infection in a mouse model.
Journal Article
Ecological impacts of large-scale disposal of mining waste in the deep sea
Deep-Sea Tailings Placement (DSTP) from terrestrial mines is one of several large-scale industrial activities now taking place in the deep sea. The scale and persistence of its impacts on seabed biota are unknown. We sampled around the Lihir and Misima island mines in Papua New Guinea to measure the impacts of ongoing DSTP and assess the state of benthic infaunal communities after its conclusion. At Lihir, where DSTP has operated continuously since 1996, abundance of sediment infauna was substantially reduced across the sampled depth range (800–2020 m), accompanied by changes in higher-taxon community structure, in comparison with unimpacted reference stations. At Misima, where DSTP took place for 15 years, ending in 2004, effects on community composition persisted 3.5 years after its conclusion. Active tailings deposition has severe impacts on deep-sea infaunal communities and these impacts are detectable at a coarse level of taxonomic resolution.
Journal Article
A review of new and existing non-extractive techniques for monitoring marine protected areas
Ocean biodiversity loss is being driven by several anthropogenic threats and significant efforts are required to halt losses and promote healthy marine ecosystems. The establishment of a network of Marine Protected Areas (MPAs) can help restrict damaging activities and have been recognised as a potential solution to aid marine conservation. When managed correctly they can deliver both ecological and socio-economic benefits. In recent times, MPA designations have increased rapidly while many countries have set future MPA targets for the decades ahead. An integral element of MPA management is adequate monitoring that collects data to assess if conservation objectives are being achieved. Data acquired by monitoring can vary widely as can the techniques employed to collect such data. Ideally, non-destructive and non-invasive methods are preferred to prevent damage to habitats and species, though this may rule out a number of traditional extractive sampling approaches such as dredges and trawls. Moreover, advances in ocean observation technologies enable the collection of large amounts of data at high resolutions, while automated data processing is beginning to make analyses more logistically feasible and less time-consuming. Therefore, developments to existing marine monitoring techniques and new emerging technologies have led to a diverse array of options when choosing to implement an MPA monitoring programme. Here, we present a review of new and existing non-extractive techniques which can be applied to MPA monitoring. We summarise their capabilities, applications, advantages, limitations and possible future developments. The review is intended to aid MPA managers and researchers in determining the suitability of available monitoring techniques based on data requirements and site conditions.
Journal Article