Gompertz zero-inflated cure rate regression models applied to credit risk data

In the financial market, it is important to consider that there is a proportion of customers that have settled their debt in time zero, immediately recovering their ability to pay. In this context, in this paper, we propose a survival analysis methodology that allows the insertion of times equal to zero in scenarios where credit risk is observed. The proposed model addresses the survival analysis model of the zero-inflated cure rate which incorporates the heterogeneity of three subgroups (individuals having events in the initial time, and individuals not susceptible and susceptible to the event). In our proposal, all available survival data of customers are modeled considering that the number of competitive causes follows a Poisson distribution and the baseline risk function follows a Gompertz distribution. The model parameter estimation is obtained by the maximum likelihood estimation procedure and simulation studies are conducted to evaluate the estimators' performance. The studied methodology will be applied to a credit database provided by a financial institution in Brazil.     

Green Synthesis and Applications of ZnO and TiO2 Nanostructures

Over the last two decades, oxide nanostructures have been continuously evaluated and used in many technological applications. The advancement of the controlled synthesis approach to design desired morphology is a fundamental key to the discipline of material science and nanotechnology. These nanostructures can be prepared via different physical and chemical methods; however, a green and ecofriendly synthesis approach is a promising way to produce these nanostructures with desired properties with less risk of hazardous chemicals. In this regard, ZnO and TiO₂ nanostructures are prominent candidates for various applications. Moreover, they are more efficient, non-toxic, and cost-effective. This review mainly focuses on the recent state-of-the-art advancements in the green synthesis approach for ZnO and TiO₂ nanostructures and their applications. The first section summarizes the green synthesis approach to synthesize ZnO and TiO₂ nanostructures via different routes such as solvothermal, hydrothermal, co-precipitation, and sol-gel using biological systems that are based on the principles of green chemistry. The second section demonstrates the application of ZnO and TiO₂ nanostructures. The review also discusses the problems and future perspectives of green synthesis methods and the related issues posed and overlooked by the scientific community on the green approach to nanostructure oxides.     

Triorganostannylation of halo- and dihaloadamantanes and 5-chloro-2-adamantanone in liquid ammonia by the S(RN)1 mechanism. Relative reactivity of nucleophiles and bridgehead halides

The reactions of 1-bromo-, 1-iodo-, 2-bromo-, 1,3-dibromo-, and 1,4-dibromoadamantane with Me(3)Sn(-) ions were studied in liquid ammonia. The photostimulated reaction of 1-haloadamantane (1-XAd, X = Br, I) or 2-BrAd with Me(3)Sn(-) ions gave in a few minutes excellent yields of the substitution products. The 1,3-dibromo- and 1,4-dibromoadamantane with Me(3)Sn(-) ions also reacted very fast under irradiation to give the disubstitution product in good yields. In competition experiments, 1-ClAd is 5.3 times more reactive than 5-chloro-2-adamantanone (9) toward Me(3)Sn(-) ions in liquid ammonia. When the nucleophile is the Ph(2)P(-) ion, 1-ClAd reacts 2.4 times faster than 9. This is the first time that no redox catalysis was observed when the bridgehead compound bears a carbonyl group as a pi acceptor. On the other hand, the nucleophile Me(3)Sn(-) ion was ca. >1000 times more reactive than Ph(3)Sn(-) ions toward 1-adamantyl radicals, in contrast to the behavior of aryl radicals, where both nucleophiles have the same reactivity.     

Influence of synthesis methods on tungsten dispersion, structural deformation, and surface acidity in binary WO3-ZrO2 system

WO3-ZrO2 catalysts were synthesized by precipitating the aqueous solutions of zirconium oxynitrate and ammonium metatungstate with ammonium hydroxide. The white slurry precipitate was treated under three different conditions. In the as-made materials, the amorphous phase was formed in the aged and refluxed samples, while well-crystallized tetragonal and monoclinic phases were obtained in the hydrothermally treated sample. The real amount of tungsten loaded in the samples was similar for the three samples, independently of the treatments; however, the tungsten surface atomic density in the annealed WO3-ZrO2 samples varied between 6 and 9 W atoms/nm2. Two different contrast types of aggregates were determined by scanning electron microscopy, the white particles which are rich in W, and the gray ones which are rich in zirconium; both of them were formed in the calcined solids prepared under aging or reflux condition. A very high dispersion of tungsten species on the zirconia surface was achieved in the hydrothermally treated sample. The degree of the interaction between WO(x) and ZrO2 surface strongly modified the Zr-O bond lengths and bond angles in the structure of tetragonal zirconia as proved by X-ray diffraction analysis and the Rietveld refinement. The catalyst obtained under hydrothermal condition exhibited the highest dispersion of tungsten species in the zirconia, which in turn causes strong structural deformation of the tetragonal ZrO2 phase responsible of the strongest surface acidity and, consequently, the optimum catalytic activity for n-hexane isomerization.     

Impact of Adding Polysaccharides on the Stability of Egg Yolk/Fish Oil Emulsions under Accelerated Shelf-Life Conditions

Polysaccharides can form interfacial complexes with proteins to form emulsions with enhanced stability. We assessed the effect of adding gum guar or gum arabic to egg yolk/fish oil emulsions. The emulsions were produced using simple or high-pressure homogenization, stored for up to 10 days at 45 °C, and characterized for their particle size and distribution, viscosity, encapsulation efficiency, oxidative stability, and cytotoxicity. Emulsions containing gum guar and/or triglycerides had the highest viscosity. There was no significant difference in the encapsulation efficiency of emulsions regardless of the polysaccharide used. However, emulsions containing gum arabic displayed a bridging flocculation effect, resulting in less stability over time compared to those using gum guar. Emulsions produced using high-pressure homogenization displayed a narrower size distribution and higher stability. The formation of peroxides and propanal was lower in emulsions containing gum guar and was attributed to the surface oil. No significant toxicity toward Caco-2 cells was found from the emulsions over time. On the other hand, after 10 days of storage, nonencapsulated fish oil reduced the cell viability to about 80%. The results showed that gum guar can increase the particle stability of egg yolk/fish oil emulsions and decrease the oxidation rate of omega-3 fatty acids.