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Major depressive disorder (MDD) affects more than 10% of the population, although our understanding of the underlying aetiology of the disease and how antidepressant drugs act to remediate symptoms is limited. Major obstacles include the lack of availability of good animal models that replicate aspects of the phenotype and tests to assay depression-like(More)
Affective states are known to influence behaviour in humans resulting in cognitive affective biases, which may play an important role in the development and treatment of mood disorders. Similar biases have recently been shown in animals, including the rat, providing an opportunity to investigate these processes in non-human species. This study sought to(More)
A new technology for performing high-precision Stokes polarimetry is presented. One traditional Stokes polarimetry configuration relies on mechanical devices such as rapidly rotating waveplates that are undesirable in vibration-sensitive optics experiments. Another traditional technique requires division of a light signal into four components that are(More)
Changes in the processing of emotional information are key features of affective disorders. Neuropsychological tests based on emotional faces or words are used to detect emotional/affective biases in humans, but these tests are not applicable to animal species. In the present study, we investigated whether a novel affective tone discrimination task (ATDT),(More)
The rent-to-own (RTO) industry, by offering immediate access to household goods for a small periodic fee with no credit check or down payment, has strong appeal to low income and financially distressed consumers. An important policy question is whether an RTO agreement is used as a rental/lease with build-in purchase option or as something more akin to an(More)
We analyze how debt affects a firm’s decision to allocate limited resources between real and intangible assets. Real assets provide cash flows for debt service and collateral in the event of default, while intangibles have a higher net present value which is captured only if debt is repaid. To avoid bankruptcy and the associated loss of the intangible(More)
Rent-to-own (RTO) is attractive to financially distressed consumers. It allows immediate access to merchandise and an opportunity for eventually acquisi­ tion. Yet goods can be returned at any point without penalty or other adverse conse­ quences. We use a competing risk methodology that accounts for unobserved consumer heterogeneity to study how contracts(More)
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