We use a comprehensive new dataset of asset-class returns in 38 developed countries to examine a popular class of retirement spending rules that prescribe annual withdrawals as a constant percentage of the retirement account balance. A 65-year-old couple willing to bear a 5 percent chance of financial ruin can withdraw just 2.31 percent per year, a rate materially lower than conventional advice (e.g., the 4% rule). Our estimates of failure rates under conventional withdrawal policies have important implications for individuals (e.g., savings rates, retirement timing, and retirement consumption), public policy (e.g., participation rates in means-tested programs), and society (e.g., elderly poverty rates).

In this first report of endoparasites from endemic land-mammals of the Galápagos Islands, we describe a new species of cestode of the genus Raillietina (Cyclophyllidea: Davaineidae) from a species of Nesoryzomys and summarize the extent of helminth parasitism in both oryzomyine endemics and introduced species of Rattus. Up to the current time, no helminth parasites have been reported from rodents of the Galápagos, and little work has yet been done describing and synthesizing Galápagos parasite diversity. In historical times, several species of autochthonous rodents have occupied the islands including: Nesoryzomys narboroughi Heller 1904, N. fernandinae Hutterer and Hirsch 1979, N. swarthi Orr, 1938, and Aegialomys galapagoensis (Waterhouse, 1839). Colonization of the islands by humans brought 3 known species of synanthropic rodents: Rattus rattus, R. norvegicus, and Mus musculus which are suspected to have caused the extinction of at least 3 other oryzomyines in historical times.

Research on nutraceutical and dietary interventions in psychiatry has grown substantially, but progress is hindered by methodological inconsistencies and limited reporting standards. To address this, the International Society for Nutritional Psychiatry Research presents the first guidelines on clinical trial design, conduct, and reporting for future clinical trials in this area. Recommendations were developed using a Delphi process including eighteen researchers with considerable clinical trial expertise and experience in either methodology, nutraceutical, or dietary interventions in psychiatry. These guidelines provide forty-nine recommendations for clinical trial design and outcomes, five for trial reporting, and seven for future research priorities. The recommendations included in these guidelines are designed to inform both nutraceutical and dietary clinical trial interventions in Nutritional Psychiatry. Common themes include an emphasis on the importance of a multidisciplinary research team and integration of co-design processes into the conduct and design of clinical research, methods to improve transparency and replicability of trial outcomes, and measures to address common biases in nutrition trials. Furthermore, we provide recommendations for future research including examining a greater variety of nutraceutical and dietary interventions, scalable delivery models, effectiveness and implementation studies, and the need to investigate these interventions in the prevention and management of less studied psychiatric conditions (e.g. schizophrenia and bipolar disorder). Recommendations included within these guidelines are intended to improve the rigor and clinical relevance of ongoing and future clinical trials in Nutritional Psychiatry.

Product architecture decisions are made early in the product development process and have far-reaching effects. Unless anticipated through experience or intuition, many of these effects may not be apparent until much later in the development process, making changes to the architecture costly in time, effort and resources. Many researchers through the years have studied various elements of product architecture and their effects. By using a repeatable process for aggregating statements on the effects of architecture strategies from a selection of the literature on the topic and storing them in a systematic database, this information can then be recalled and presented in the form of a Product Architecture Strategy and Effect (PASE) matrix. PASE matrices allow for the identification, comparison, evaluation, and then selection of the most desirable product architecture strategies before expending resources along a specific development path. This paper introduces the PASE Database and matrix and describes their construction and use in guiding design decisions. This paper also provides metrics for understanding the robustness of this database.

In order to study the structure and temperature distribution within high-mass star-forming clumps, we employed the Australia Telescope Compact Array to image the $\mathrm{NH}_3$ (J,K) = (1,1) through (6,6) and the (2,1) inversion transitions, the $\mathrm{H}_2\mathrm{O}$ $6_{16}$-$5_{23}$ maser line at 22.23508 GHz, several $\mathrm{CH}_3\mathrm{OH}$ lines and hydrogen and helium recombination lines. In addition, 22- and 24-GHz radio continuum emission was also imaged.

The $\mathrm{NH}_3$ lines probe the optical depth and gas temperature of compact structures within the clumps. The $\mathrm{H}_2\mathrm{O}$ maser pinpoints the location of shocked gas associated with star formation. The recombination lines and the continuum emission trace the ionised gas associated with hot OB stars. The paper describes the data and presents sample images and spectra towards select clumps. The technique for estimating gas temperature from $\mathrm{NH}_3$ line ratios is described. The data show widespread hyperfine intensity anomalies in the $\mathrm{NH}_3$ (1,1) images, an indicator of non-LTE $\mathrm{NH}_3$ excitation. We also identify several new $\mathrm{NH}_3$ (3,3) masers associated with shocked gas. Towards AGAL328.809+00.632, the $\mathrm{H}_2\mathrm{O}$ $6_{16}$-$5_{23}$ line, normally seen as a maser, is instead seen as a thermally excited absorption feature against a strong background continuum. The data products are described in detail.

Scholars have called for additional research into the antecedents to corporate political activity (CPA), including why firms may engage in specific kinds of CPA. In response, in what we believe to be a first-of-its-kind study, we rely on upper echelons theory to explore the relationship between CEO personality and the kind of CPA in which a firm engages. In particular, we argue that certain traits will be related to ideological CPA (iCPA) that is less beneficial to the firm but which will appeal to CEOs with those traits. We also propose that managerial discretion will moderate the relationship between CEO personality and this form of opportunistic CPA. We test our hypotheses using a unique database combined with a variety of archival sources, resulting in a sample of 329 publicly traded firms from the S&P 500 for which we had complete records that engaged in CPA 63,142 times over a ten-year period (2011–2020). We find that CEO agreeableness, conscientiousness, and neuroticism will be negatively related to iCPA, while CEO openness will be positively associated with it. We further find that managerial discretion moderates the relationship of CEO extraversion and openness with iCPA, however in opposite directions. Finally, we discuss theoretical and managerial implications and propose directions for future research.

The Accelerating COVID-19 Therapeutic Interventions and Vaccines (ACTIV) Cross-Trial Statistics Group gathered lessons learned from statisticians responsible for the design and analysis of the 11 ACTIV therapeutic master protocols to inform contemporary trial design as well as preparation for a future pandemic. The ACTIV master protocols were designed to rapidly assess what treatments might save lives, keep people out of the hospital, and help them feel better faster. Study teams initially worked without knowledge of the natural history of disease and thus without key information for design decisions. Moreover, the science of platform trial design was in its infancy. Here, we discuss the statistical design choices made and the adaptations forced by the changing pandemic context. Lessons around critical aspects of trial design are summarized, and recommendations are made for the organization of master protocols in the future.

Toward the end of the first millennium ad, a burgeoning class of secular elites emerged throughout western Europe who developed local power centres to denote their prestige. Seigneurial investment was prioritised towards residences, as well as churches and chapels, the two elements often paired into single places in the landscape. In England, our understanding of these complexes is limited due to scant excavated evidence and skewed by the impact of the Norman Conquest, after which castles became the dominant form of aristocratic site. Previous approaches have often fetishised defensibility and promoted notions of national exceptionalism, but a more meaningful understanding of these places can be gained by adopting a broad chronological and thematic remit. Drawing upon the results of the AHRC-funded research project ‘Where Power Lies’, this paper offers a foundational evaluation of the landscape evidence for lordly centres, presenting data on their distribution in two regions, complemented by results from intensive investigation of case study locations (Bosham, West Sussex and Hornby, North Yorkshire). This allows a wider range of material signatures from lordly centres to be characterised, resulting in greater comprehension of how elites in England shaped and experienced a Europe-wide phenomenon.

The malicious use of artificial intelligence is growing rapidly, creating major security threats for individuals and the healthcare sector. Individuals with mental illness may be especially vulnerable. Healthcare provider data are a prime target for cybercriminals. There is a need to improve cybersecurity to detect and prevent cyberattacks against individuals and the healthcare sector, including the use of artificial intelligence predictive tools.

When a viscous fluid partially fills a Hele-Shaw channel, and is pushed by a pressure difference, the fluid interface is unstable due to the Saffman–Taylor instability. We consider the evolution of a fluid region of finite extent, bounded between two interfaces, in the limit that the interfaces are close, that is, when the fluid region is a thin liquid filament separating two gases of different pressure. In this limit, we derive a second-order ‘thin-filament’ model that describes the normal velocity of the filament centreline, and evolution of the filament thickness, as functions of the thickness, centreline curvature and their derivatives. We show that the second-order terms in this model, that include the effect of transverse flow along the filament, are necessary to regularise the instability. Numerical simulation of the thin-filament model is shown to be in accordance with level-set computations of the complete two-interface model. Solutions ultimately evolve to form a bubble of rapidly increasing radius and decreasing thickness.

How was trust created and reinforced between the inhabitants of medieval and early modern cities? And how did the social foundations of trusting relationships change over time? Current research highlights the role of kinship, neighbourhood, and associations, particularly guilds, in creating ‘relationships of trust’ and social capital in the face of high levels of migration, mortality, and economic volatility, but tells us little about their relative importance or how they developed. We uncover a profound shift in the contribution of family and guilds to trust networks among the middling and elite of one of Europe's major cities, London, over three centuries, from the 1330s to the 1680s. We examine almost 15,000 networks of sureties created to secure orphans’ inheritances to measure the presence of trusting relationships connected by guild membership, family, and place. We uncover a profound increase in the role of kinship – a re-embedding of trust within the family – and a decline of the importance of shared guild membership in connecting Londoners who secured orphans’ inheritances together. These developments indicate a profound transformation in the social fabric of urban society.

Clinical outcomes of repetitive transcranial magnetic stimulation (rTMS) for treatment of treatment-resistant depression (TRD) vary widely and there is no mood rating scale that is standard for assessing rTMS outcome. It remains unclear whether TMS is as efficacious in older adults with late-life depression (LLD) compared to younger adults with major depressive disorder (MDD). This study examined the effect of age on outcomes of rTMS treatment of adults with TRD. Self-report and observer mood ratings were measured weekly in 687 subjects ages 16–100 years undergoing rTMS treatment using the Inventory of Depressive Symptomatology 30-item Self-Report (IDS-SR), Patient Health Questionnaire 9-item (PHQ), Profile of Mood States 30-item, and Hamilton Depression Rating Scale 17-item (HDRS). All rating scales detected significant improvement with treatment; response and remission rates varied by scale but not by age (response/remission ≥ 60: 38%–57%/25%–33%; <60: 32%–49%/18%–25%). Proportional hazards models showed early improvement predicted later improvement across ages, though early improvements in PHQ and HDRS were more predictive of remission in those < 60 years (relative to those ≥ 60) and greater baseline IDS burden was more predictive of non-remission in those ≥ 60 years (relative to those < 60). These results indicate there is no significant effect of age on treatment outcomes in rTMS for TRD, though rating instruments may differ in assessment of symptom burden between younger and older adults during treatment.

The recognised heterogeneity of clinical cohorts of people with depression and other mood disorders has been held to be one of the central reasons why so many studies of causation, neurobiological or psychological correlates, or the effectiveness of treatments have failed to yield significant findings or be easily replicated by independent groups.