Confirming Bank Liability in Letter of Credit Transactions: Whose Bank Is It Anyway?

Context. The abundance of deuterated molecules in a star-forming region is sensitive to the environment in which they are formed. Deuteration fractions, in other words the ratio of a species containing D to its hydrogenated counterpart, therefore provide a powerful tool for studying the physical and chemical evolution of a star-forming system. While local low-mass star-forming regions show very high deuteration ratios, much lower fractions are observed towards Orion and the Galactic centre. Astration of deuterium has been suggested as a possible cause for low deuteration in the Galactic centre. Aims. We derive methanol deuteration fractions at a number of locations towards the high-mass star-forming region NGC 6334I, located at a mean distance of 1.3 kpc, and discuss how these can shed light on the conditions prevailing during its formation. Methods. We use high sensitivity, high spatial and spectral resolution observations obtained with the Atacama Large Millimeter/ submillimeter Array to study transitions of the less abundant, optically thin, methanol-isotopologues: 13CH3OH, CH318OH, CH2DOH and CH3OD, detected towards NGC 6334I. Assuming local thermodynamic equilibrium (LTE) and excitation temperatures of ~120–330 K, we derive column densities for each of the species and use these to infer CH2DOH/CH3OH and CH3OD/CH3OH fractions. Results. We derive column densities in a range of (0.8–8.3) × 1017 cm−2 for 13CH3OH, (0.13–3.4) × 1017 cm−2 for CH318OH, (0.03–1.63) × 1017 cm−2 for CH2DOH and (0.15–5.5) × 1017 cm−2 for CH3OD in a ~1″ beam. Interestingly, the column densities of CH3OD are consistently higher than those of CH2DOH throughout the region by factors of 2–15. We calculate the CH2DOH to CH3OH and CH3OD to CH3OH ratios for each of the sampled locations in NGC 6334I. These values range from 0.03% to 0.34% for CH2DOH and from 0.27% to 1.07% for CH3OD if we use the 13C isotope of methanol as a standard; using the 18 O-methanol as a standard, decreases the ratios by factors of between two and three. Conclusions. All regions studied in this work show CH2DOH/CH3OH as well as CH2DOH/CH3OD values that are considerably lower than those derived towards low-mass star-forming regions and slightly lower than those derived for the high-mass star-forming regions in Orion and the Galactic centre. The low ratios indicate a grain surface temperature during formation ~30 K, for which the efficiency of the formation of deuterated species is significantly reduced. Therefore, astration of deuterium in the Galactic centre cannot be the explanation for its low deuteration ratio but rather the high temperatures characterising the region

Conversations with deviant website developers: a case study of online shopping fraud enablers

This study explores the experiences and challenges faced by Cameroonian website developers involved in creating non-delivery fraud websites. Through semi-structured interviews with 14 developers, four key themes were identified: (1) The psychological impact of the Ambazonian crisis, including heightened stress and anxiety due to ongoing civil conflict; (2) Infrastructure disruptions, such as frequent power outages and internet blackouts, which hinder their work and increase operational risks; (3) The influence of spiritual beliefs on decision-making, where concerns about offending ancestral spirits deter developers from direct fraud involvement; and (4) Cultural perceptions of cybercrime, particularly the glorification of the "Big Boy" image, which normalises fraudulent activities as symbols of success. The study suggests that redirecting these developers' skills towards legitimate tech employment opportunities in Cameroon and internationally could help reduce cyber deviance and contribute to economic growth in affected regions

Electron Dynamics in Nd1.85_{1.85}Ce.15_{.15}CuO4+δ_{4+\delta}: Evidence for the Pseudogap State and Unconventional c-axis Response

Infrared reflectance measurements were made with light polarized along the a- and c-axis of both superconducting and antiferromagnetic phases of electron doped Nd$_{1.85}$Ce$_{.15}$CuO$_{4+\delta}$. The results are compared to characteristic features of the electromagnetic response in hole doped cuprates. Within the CuO$_2$ planes the frequency dependent scattering rate, 1/$\tau(\omega)$, is depressed below $\sim$ 650 cm$^{-1}$; this behavior is a hallmark of the pseudogap state. While in several hole doped compounds the energy scales associated with the pseudogap and superconducting states are quite close, we are able to show that in Nd$_{1.85}$Ce$_{.15}$CuO$_{4+\delta}$ the two scales differ by more than one order of magnitude. Another feature of the in-plane charge response is a peak in the real part of the conductivity, $\sigma_1(\omega)$, at 50-110 cm$^{-1}$ which is in sharp contrast with the Drude-like response where $\sigma_1(\omega)$ is centered at $\omega=0$. This latter effect is similar to what is found in disordered hole doped cuprates and is discussed in the context of carrier localization. Examination of the c-axis conductivity gives evidence for an anomalously broad frequency range from which the interlayer superfluid is accumulated. Compelling evidence for the pseudogap state as well as other characteristics of the charge dynamics in Nd$_{1.85}$Ce$_{.15}$CuO$_{4+\delta}$ signal global similarities of the cuprate phase diagram with respect to electron and hole doping.Comment: Submitted to PR

Glycated hemoglobin, prediabetes and the links to cardiovascular disease: data from UK Biobank

OBJECTIVE: HbA1c levels are increasingly measured in screening for diabetes; we investigated whether HbA1c may simultaneously improve cardiovascular disease (CVD) risk assessment, using QRISK3, American College of Cardiology/American Heart Association (ACC/AHA), and Systematic COronary Risk Evaluation (SCORE) scoring systems. RESEARCH DESIGN AND METHODS: UK Biobank participants without baseline CVD or known diabetes (n = 357,833) were included. Associations of HbA1c with CVD was assessed using Cox models adjusting for classical risk factors. Predictive utility was determined by the C-index and net reclassification index (NRI). A separate analysis was conducted in 16,596 participants with known baseline diabetes. RESULTS: Incident fatal or nonfatal CVD, as defined in the QRISK3 prediction model, occurred in 12,877 participants over 8.9 years. Of participants, 3.3% (n = 11,665) had prediabetes (42.0–47.9 mmol/mol [6.0–6.4%]) and 0.7% (n = 2,573) had undiagnosed diabetes (≥48.0 mmol/mol [≥6.5%]). In unadjusted models, compared with the reference group (<42.0 mmol/mol [<6.0%]), those with prediabetes and undiagnosed diabetes were at higher CVD risk: hazard ratio (HR) 1.83 (95% CI 1.69–1.97) and 2.26 (95% CI 1.96–2.60), respectively. After adjustment for classical risk factors, these attenuated to HR 1.11 (95% CI 1.03–1.20) and 1.20 (1.04–1.38), respectively. Adding HbA1c to the QRISK3 CVD risk prediction model (C-index 0.7392) yielded a small improvement in discrimination (C-index increase of 0.0004 [95% CI 0.0001–0.0007]). The NRI showed no improvement. Results were similar for models based on the ACC/AHA and SCORE risk models. CONCLUSIONS: The near twofold higher unadjusted risk for CVD in people with prediabetes is driven mainly by abnormal levels of conventional CVD risk factors. While HbA1c adds minimally to cardiovascular risk prediction, those with prediabetes should have their conventional cardiovascular risk factors appropriately measured and managed

Africa and the global carbon cycle

The African continent has a large and growing role in the global carbon cycle, with potentially important climate change implications. However, the sparse observation network in and around the African continent means that Africa is one of the weakest links in our understanding of the global carbon cycle. Here, we combine data from regional and global inventories as well as forward and inverse model analyses to appraise what is known about Africa's continental-scale carbon dynamics. With low fossil emissions and productivity that largely compensates respiration, land conversion is Africa's primary net carbon release, much of it through burning of forests. Savanna fire emissions, though large, represent a short-term source that is offset by ensuing regrowth. While current data suggest a near zero decadal-scale carbon balance, interannual climate fluctuations (especially drought) induce sizeable variability in net ecosystem productivity and savanna fire emissions such that Africa is a major source of interannual variability in global atmospheric CO(2). Considering the continent's sizeable carbon stocks, their seemingly high vulnerability to anticipated climate and land use change, as well as growing populations and industrialization, Africa's carbon emissions and their interannual variability are likely to undergo substantial increases through the 21st century