The Stress Test
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Summary : From one of the world's most respected neuroscientists, an eye-opening study of why we react to pressure in the way we do and how to be energized rather than defeated by stress. Why is it that some people react to seemingly trivial emotional upsets--like failing an unimportant exam or tackling a difficult project at work--with distress, while others power through life-changing tragedies showing barely any emotional upset whatsoever? How do some people shine brilliantly at public speaking while others stumble with their words and seem on the verge of an anxiety attack? Why do some people sink into all-consuming depression when life has dealt them a poor hand, while in others it merely increases their resilience? The difference between too much pressure and too little can result in either debilitating stress or lack of motivation in extreme situations. However, the right level of challenge and stress can help people flourish and achieve more than they ever thought possible. In THE STRESS TEST, clinical psychologist and cognitive neuroscientist Ian Robertson, armed with over four decades of research, reveals how we can shape our brain's response to pressure and how stress actually can be a good thing. THE STRESS TEST is a revelatory study of how and why we react to pressure as we do, and how we can change our response to stress to our benefit.
Summary : The sixth edition of Ellestad's classic text on cardiac stress testing has been extensively updated and re-written to communicate contemporary understanding of the classical principles of stress testing to clinicians and researchers, students and seasoned practitioners alike. The current techniques for performing stress tests presented herein reflect major technologic advances in imaging, physiologic monitoring and the assessment of cardiovascular risk, addressing fundamental paradigm shifts in interventional, surgical and medical treatment of heart disease. Moreover, the text addresses the dramatic changes that are occurring in patient demographics and the environmental, socioeconomic, gender and genomic factors that crucially impact heart disease and warrant attention when performing cardiac stress testing. Chapters on the physiology of exercise testing including practical details regarding protocols for conducting the stress test, proper supervision, important parameters to be monitored, and the diagnostic and prognostic information to be gleaned from the electrocardiogram set the stage for expanded chapters on the use of cardiac imaging in conjunction with stress testing. Physiologic and metabolic considerations during stress testing are covered in detail. Application of stress testing to special populations, such as women, children, athletes, and individuals in both high and low risk groups are covered in new chapters. Finally, the authors address the use of stress testing in limited resource environments and discuss global changes in the incidence of atherosclerosis, and suggest how stress testing may evolve.
Summary : In The College Stress Test, Robert Zemsky, Susan Shaman, and Susan Campbell Baldridge present readers with a full, frank, and informed discussion about college and university closures. Drawing on the massive institutional data set available from IPEDS (the Integrated Postsecondary Education Data System), they build a stress test for estimating the market viability of more than 2,800 undergraduate institutions. They examine four key variablesâ€”new student enrollments, net cash price, student retention, and major external fundingâ€”to gauge whether an institution is potentially at risk of considering closure or merging with another school. They also assess student body demographics to see which students are commonly served by institutions experiencing market stress. The book's appendix includes a powerful do-it-yourself tool that institutions can apply, using their own IPEDS data, to understand their level of risk. The book's underlying statistical analysis makes clear that closings will not be nearly as prevalent as many prognosticators are predicting and will in fact impact relatively few students. The authors argue that just 10 percent or fewer of the nation's colleges and universities face substantial market risk, while 60 percent face little or no market risk. The remaining 30 percent of institutions, the authors find, are bound to struggle. To thrive, the book advises, these schools will need to reconsider the curricula they deliver, the prices they charge, and their willingness to experiment with new modes of instruction. The College Stress Test provides an urgently needed road map at a moment when the higher education terrain is shifting. Those interested in and responsible for the fate of these institutions will find in this book a clearly defined set of risk indicators, a methodology for monitoring progress over time, and an evidence-based understanding of where they reside in the landscape of institutional risk.
Summary : Future-proof your business today for stronger performance tomorrow The Stress Test Every Business Needs: A Capital Agenda for Confidently Facing Digital Disruption, Difficult Investors, Recessions and Geopolitical Threats provides a comprehensive approach to creating value and flexibility in an increasingly volatile business environment that presents both great risks and opportunities every day. The authors extend the banking “stress test” concept to a company’s Capital Agenda — how executives manage capital, execute transactions and apply corporate finance tools to strategic and operational decisions. Having a static Capital Agenda, however appropriate for your current market position, is not enough in today's uncertain world. Long-term success comes from building resilience into each element and in the way those elements interact. The book uses a broader definition of business stress that includes traditional macroeconomic and geopolitical risks, as well as technological disruption, hostile takeovers and activist shareholders. Companies that make poor strategic decisions or underperform operationally will likely find themselves facing great stress. And that stress is symmetric; threats come from downside risks and from missed opportunities. The chapters address the how and why of essential issues such as: Formulating corporate strategy in a digital world Pre-empting activist shareholders Restoring distressed companies to operational and financial health Ensuring effective collaboration among strategy, finance and operations Getting the most out of your advisors Proactively managing intrinsic value Rigorously allocating capital across the enterprise Acquiring and divesting for optimum value Syncing financing decisions with business strategy and capital market conditions Incorporating tax planning throughout the Capital Agenda Liberating excess cash with leading working capital management practices Aligning strategic goals and metrics to reach your company’s full potential Companies that develop strategy and set operational priorities with a balanced Capital Agenda are best positioned to control their own destiny. The Stress Test Every Business Needs provides a roadmap to future-proof your business today for stronger performance tomorrow.
Summary : Recounts the author's days as a Treasury official fighting the international financial crises of the 1990s and examines the global financial crisis, discussing the rescue of Bear Stearns, the failure of Lehman Brothers, and the aftershocks of the crisis.
Summary : Stress Testing and Risk Integration in Banks provides a comprehensive view of the risk management activity by means of the stress testing process. An introduction to multivariate time series modeling paves the way to scenario analysis in order to assess a bank resilience against adverse macroeconomic conditions. Assets and liabilities are jointly studied to highlight the key issues that a risk manager needs to face. A multi-national bank prototype is used all over the book for diving into market, credit, and operational stress testing. Interest rate, liquidity and other major risks are also studied together with the former to outline how to implement a fully integrated risk management toolkit. Examples, business cases, and exercises worked in Matlab and R facilitate readers to develop their own models and methodologies. Provides a rigorous statistical framework for modeling stress test in line with U.S. Federal Reserve FRB CCAR (Comprehensive Capital Analysis Review), U.K. PRA (Prudential Regulatory Authority), EBA (European Baning Authorithy) and comply with Basel Accord requirements Follows an integrated bottom-up approach central in the most advanced risk modelling practice Provides numerous sample codes in Matlab and R
Summary : Feeling under the weather? Weary with waiting rooms? Dreading a diagnosis? Cure thyself with a healthy dose of Sidney Harris! Well known for his zany cartoons on science, education, and the law, Sidney Harris now takes on the world of medicine. These lighthearted jabs at doctors, patients, hospitals, medical schools, medical research, and healthcare policy are guaranteed to make you feel better! These cartoons have enlivened the pages of the New Yorker, Science, Punch, U.S. Medicine, American Scientist, Hippocrates, National Lampoon, and many other publications.
Summary : Develop a stress management plan to fit you! Tired of reading long, impersonal books on stress? Too busy to spend hours in a stress management workshop? Try the Stress Test. Designed with busy people in mind, Stress Test brings you a complete, time-efficient guide to improving your stress level. Through a short, thorough self-evaluation, and a question-by-question discussion of the results, Stress Test offers practical ways to evaluate and reduce stress by addressing your specific issues. Discover which areas and patterns of your life affect your "Stress Quotient," and find ways to reduce it. Whether it's brought on by a sudden event or an ongoing environment, learn the best ways to deal with stress and bring balance back to your life.
Summary : Highlights: We analyze different sources of noise in ECG recordings from exercise stress tests. We analyze the quantitative assessment of the filtering efficiency. We consider the analysis of T-wave and QRS-complex alternans with PCA analysis. We analyze and filter a database of 106 ECG records during stress testing. Discussion about the clinical significance of the alternans in diagnostic groups. Abstract: The aim of this study is to analyze different sources of noise in ECG recordings from stress tests in order to obtain reliable parameters and measurements for the analysis of T-wave and QRS-complex alternans (TWA & QRSA). Simple methods for eliminating common sources of noise like power-line interference, baseline drift and electromyographic noise were used. The pre-processing phase considered the detection of steep slope/spike, low amplitude signal, and flat line or missing lead artefacts. The detection of TWA and QRSA was based on Principal Component Analysis indices and wave amplitudes considering all the leads. A particular database of 106 ECG records during stress testing was considered. The signal quality analysis performed in this study has permitted to obtain reliable and noise-tolerant measurements of TWA and QRSA indices. The different diagnostic groups were used for the evaluation of the clinical significance of the alternans. Men have significantly higher values of QRSA than women. Smokers have significantly higher TWA values as compared with non-smokers. Significant negative correlation was obtained between age and both TWA and QRSA. Correlations between TWA and QRSA and the double product of arterial hypertension and the maximal heart rate during the stress test were statistically significant, positive and relatively strong.
Summary : Stress testing is a useful and increasingly popular, yet sometimes misunderstood, method of analyzing the resilience of financial systems to adverse events. This paper aims to help demystify stress tests, and illustrate their strengths and weaknesses. Using an Excel-based exercise with institution-by-institution data, readers are walked through stress testing for credit risk, interest rate and exchange rate risks, liquidity risk and contagion risk, and are guided in the design of stress testing scenarios. The paper also describes the links between stress testing and other analytical tools, such as financial soundness indicators and supervisory early warning systems. Furthermore, it includes surveys of stress testing practices in central banks and the IMF.
Summary : The go-to handbook for those performing and analysing cardiac stress tests The stress test is key to the clinical evaluation and management of patients with known or potential cardiovascular disease. By measuring the heart's ability to respond to external stress, it can provide vital insights into the general physical condition of patients, highlighting abnormalities in blood flow, risk of coronary artery disease, and more. The Pocket Guide to Stress Testing gives cardiology professionals a complete breakdown of this everyday procedure that they can carry with them and consult on the go. This second edition has been fully revised to reflect the most up-to-date information available on the best approaches to conducting and interpreting various forms of stress test. With chapters spanning topics such as testing guidelines, nuclear imaging techniques, and emergency and aftercare protocols, the clear and practical contents cover all aspects of the subject. This essential new text includes: A complete overview of exercise stress testing, covering indications, protocols, preparation, and interpretation Guidelines for the standard treadmill test, as well as for the various pharmacological stress tests for patients unable to complete an exercise ECG test An extensive list of references and reading suggestions to help trainees to expand their knowledge End-of-chapter summaries and new tables and illustrations As the field of cardiology continues to change and develop apace, this new edition of The Pocket Guide to Stress Testing provides physicians, trainee cardiologists, and cardiac nurses with a reliable, up-to-date resource for use in everyday practice.
Summary : The estimation and the validation of the Basel II risk parameters PD (default probability), LGD (loss given fault), and EAD (exposure at default) is an important problem in banking practice. These parameters are used on the one hand as inputs to credit portfolio models and in loan pricing frameworks, on the other to compute regulatory capital according to the new Basel rules. This book covers the state-of-the-art in designing and validating rating systems and default probability estimations. Furthermore, it presents techniques to estimate LGD and EAD and includes a chapter on stress testing of the Basel II risk parameters. The second edition is extended by three chapters explaining how the Basel II risk parameters can be used for building a framework for risk-adjusted pricing and risk management of loans.
Summary : Stress tests have been increasingly used in recent years by regulators to foster confidence in the banking sector by not only increasing its resilience via mandatory capital increases but also by enhancing transparency to allow investors to better discriminate between banks. In this study, using an event study approach, we explore how market participants reacted to the 2014 Comprehensive Assessment and the 2016 EBA EU- wide stress test. The results show that stress test disclosures revealed new information that was priced by the markets. We also provide evidence that the publication of stress test results enhanced price discrimination as the impact on bank CDS spreads and equity prices tended to be stronger for the weaker performing banks in the stress test. Finally, we provide some evidence that also sovereign funding costs were affected in the aftermath of the stress test publications. The results provide insights into the effects and usefulness of stress test-related disclosures.