NATE: Non-pArameTric approach for Explainable credit scoring on imbalanced class.

Credit scoring models play a crucial role for financial institutions in evaluating borrower risk and sustaining profitability. Logistic regression is widely used in credit scoring due to its robustness, interpretability, and computational efficiency; however, its predictive power decreases when applied to complex or non-linear datasets, resulting in reduced accuracy. In contrast, tree-based machine learning models often provide enhanced predictive performance but struggle with interpretability.

NOVAsort for error-free droplet microfluidics.

High-throughput screening techniques are pivotal to unlocking the mysteries of biology. Yet, the promise of droplet microfluidics in enabling single-cell resolution, ultra-high-throughput screening remains largely unfulfilled. Droplet sorting errors caused by polydisperse droplet sizes that are often inevitable in multi-step assays have severely limited the effectiveness and utility of this technique, especially when screening large libraries.

NOTE: non-parametric oversampling technique for explainable credit scoring.

Credit scoring models are critical for financial institutions to assess borrower risk and maintain profitability. Although machine learning models have improved credit scoring accuracy, imbalanced class distributions remain a major challenge. The widely used Synthetic Minority Oversampling TEchnique (SMOTE) struggles with high-dimensional, non-linear data and may introduce noise through class overlap.

Value of quantitative airspace disease measured on chest CT and chest radiography at initial diagnosis compared to clinical variables for prediction of severe COVID-19.

Rapid prognostication of COVID-19 patients is important for efficient resource allocation. We evaluated the relative prognostic value of baseline clinical variables (CVs), quantitative human-read chest CT (qCT), and AI-read chest radiograph (qCXR) airspace disease (AD) in predicting severe COVID-19. We retrospectively selected 131 COVID-19 patients (SARS-CoV-2 positive, March to October, 2020) at a tertiary hospital in the United States, who underwent chest CT and CXR within 48 hr of initial presentation.

Optogenetic Targeting of Mouse Vagal Afferents Using an Organ-specific, Scalable, Wireless Optoelectronic Device.

Optogenetics has the potential to transform the study of the peripheral nervous system (PNS), but the complex anatomy of the PNS poses unique challenges for the focused delivery of light to specific tissues. This protocol describes the fabrication of a wireless telemetry system for studying peripheral sensory pathways. Unlike existing wireless approaches, the low-power wireless telemetry offers organ specificity via a sandwiched pre-curved tether, and enables high-throughput analysis of behavioral experiments with a channel isolation strategy.

Detection of Muscle Activation during Resistance Training Using Infrared Thermal Imaging.

Infrared thermal imaging has been widely used to show the correlation between thermal characteristics of the body and muscle activation. This study aims to investigate a method using thermal imaging to visualize and differentiate target muscles during resistance training. Thermal images were acquired to monitor three target muscles (i.

Lactobacillus ginsenosidimutans sp. nov., isolated from kimchi with the ability to transform ginsenosides.

Biotransformation of ginsenosides was examined using lactic acid bacteria isolated from several kinds of kimchi. A Gram-positive, facultatively anaerobic, non-motile, non-spore-forming, and rod-shaped lactic acid bacterial strain, designated EMML 3041(T), was determined to have ginsenoside-converting activity and its taxonomic position was investigated using a polyphasic approach. Strain EMML 3041(T) displayed β-glucosidase activity that was responsible for its ability to transform ginsenoside Rb1 (one of the dominant active components of ginseng) to F2 via gypenoside XVII, ginsenoside Rb2 to compound Y via compound O, ginsenoside Rc to compound Mc via compound Mc1, and ginsenoside Rd to ginsenoside F2.

Bioconversion of ginsenoside Rc into Rd by a novel α-L-arabinofuranosidase, Abf22-3 from Leuconostoc sp. 22-3: cloning, expression, and enzyme characterization.

A novel α-L-arabinofuranosidase (Abf22-3) that could biotransform ginsenoside Rc into Rd was obtained from the ginsenoside converting Leuconostoc sp. strain 22-3, isolated from the Korean fermented food kimchi. The gene, termed abf22-3, consisting of 1,527 bp and encoding a protein with a predicted molecular mass of 58,486 Da was cloned into the pMAL-c2x (TEV) vector.

Stenotrophomonas daejeonensis sp. nov., isolated from sewage.

A Gram-stain-negative, motile, aerobic bacterial strain, designated MJ03(T), was isolated from sewage and was characterized taxonomically by using a polyphasic approach. Comparative 16S rRNA gene sequence analysis showed that strain MJ03(T) belongs to the family Xanthomonadaceae, class Gammaproteobacteria, and was related most closely to Stenotrophomonas acidaminiphila AMX 19(T) (97.9  % sequence similarity), Stenotrophomonas humi R-32729(T) (97.

Inquilinus ginsengisoli sp. nov., isolated from soil of a ginseng field.

A Gram-reaction-negative, chemo-organotrophic, non-motile, non-spore-forming, rod-shaped bacterium (strain Gsoil 080(T)) was isolated from soil collected in a ginseng field in Pocheon Province, South Korea, and was investigated by using a polyphasic taxonomic approach. Comparative 16S rRNA gene sequence analysis showed that strain Gsoil 080(T) was related most closely to Inquilinus limosus strains AU0476(T) and AU1979 (98.9 % similarity to both).

Castellaniella daejeonensis sp. nov., isolated from soil.

A Gram-negative, non-spore-forming, motile, facultatively anaerobic bacterium, designated strain MJ06(T), was isolated from oil-contaminated soil and was characterized taxonomically by using a polyphasic approach. Strain MJ06(T) contained ubiquinone Q-8 as the major respiratory lipoquinone, putrescine as the predominant polyamine and phosphatidylethanolamine, diphosphatidylglycerol and phosphatidylglycerol as major polar lipids. The G+C content of the genomic DNA of strain MJ06(T) was 66.

Dokdonella ginsengisoli sp. nov., isolated from soil from a ginseng field, and emended description of the genus Dokdonella.

A Gram-negative, aerobic, rod-shaped, non-motile, non-spore-forming bacterial strain, designated Gsoil 191T, was isolated from a soil sample from a ginseng field in Pocheon Province, South Korea, and was characterized taxonomically by using a polyphasic approach. Comparative 16S rRNA gene sequence analysis showed that strain Gsoil 191T belongs to the family Xanthomonadaceae and is related to Dokdonella fugitiva LMG 23001T (97.8% sequence similarity) and Dokdonella koreensis KCTC 12396T (96.

Lysobacter panaciterrae sp. nov., isolated from soil of a ginseng field.

A Gram-negative, aerobic, rod-shaped, non-spore-forming bacterial strain, designated Gsoil 068(T), was isolated from soil of a ginseng field in Pocheon Province (South Korea), and was characterized to determine its taxonomic position by using a polyphasic approach. Comparative 16S rRNA gene sequence analysis showed that strain Gsoil 068(T) belonged to the family Xanthomonadaceae, class Gammaproteobacteria, and was related most closely to Lysobacter brunescens ATCC 29482(T) and Lysobacter gummosus ATCC 29489(T) (96.1 % sequence similarity).

Dyella ginsengisoli sp. nov., isolated from soil of a ginseng field in South Korea.

A Gram-negative, aerobic, yellow-pigmented, non-spore-forming, motile, rod-shaped bacterium, designated strain Gsoil 3046(T), was isolated from soil from a ginseng field in Pocheon Province, South Korea, and was characterized taxonomically by using a polyphasic approach. A comparative analysis of 16S rRNA gene sequences revealed that strain Gsoil 3046(T) belongs to the family Xanthomonadaceae in the Gammaproteobacteria. The greatest sequence similarity was found with respect to Dyella koreensis KCTC 12359(T) (97.

Lysobacter daecheongensis sp. nov., isolated from sediment of stream near the Daechung dam in South Korea.

A Gram-negative, aerobic, rod shaped, non-spore-forming bacterial strain, designated Dae08(T), was isolated from sediment of the stream near Daechung dam in South Korea, and was characterized in order to determine its taxonomic position, using a polyphasic approach. Comparative 16S rRNA gene sequence analysis showed that strain Dae08(T) belongs to the family Xanthomonadaceae of the Gammaproteobacteria, and is related to Lysobacter brunescens ATCC 29482(T) (97.3%).

Lysobacter ginsengisoli sp. nov., a novel species isolated from soil in Pocheon Province, South Korea.

A Gram-negative, aerobic, rod-shaped, nonspore-forming bacterial strain, designated Gsoil 357T, was isolated from soil sample of a ginseng field in Pocheon Province (South Korea). The isolate contained Q-8 as the predominant ubiquinone and iso-C16:0, iso-C17:1 9c, and iso-C15:0 as the major fatty acids. The G+C content of the genomic DNA was 69.

Sphingopyxis panaciterrae sp. nov., isolated from soil from ginseng field.

A Gram-negative, strictly aerobic, motile bacterial strain, designated Gsoil 124T, was isolated from a soil sample taken from a ginseng field in Pocheon Province (South Korea). The isolate contained Q-10 as the predominant lipoquinone, plus C18:1 7c and summed feature 4 (C16:1 6c and/or iso- C15:0 2-OH) as the major fatty acids. The G+C content of the genomic DNA was 68.

Kaistia granuli sp. nov., isolated from anaerobic granules in an upflow anaerobic sludge blanket reactor.

A Gram-negative, chemo-organotrophic, non-motile, non-spore-forming, rod-shaped bacterium (designated strain Ko04(T)) was isolated from anaerobic granules in an upflow anaerobic sludge blanket reactor, and was investigated using a polyphasic taxonomic approach. Phylogenetic analysis based on 16S rRNA gene sequences showed that strain Ko04(T) belongs to the order Rhizobiales in the Alphaproteobacteria. Comparative 16S rRNA gene sequence analysis showed that strain Ko04(T) was most closely related to Kaistia adipata (97.

Cellulomonas composti sp. nov., a cellulolytic bacterium isolated from cattle farm compost.

A bacterial strain, TR7-06(T), which has cellulase and beta-glucosidase activities, was isolated from compost at a cattle farm near Daejeon, Republic of Korea. It was a Gram-positive, aerobic or facultatively anaerobic, non-motile, rod-shaped bacterium. Phylogenetic analysis based on 16S rRNA gene sequences showed that this strain belongs to the genus Cellulomonas, with highest sequence similarity to Cellulomonas uda DSM 20107(T) (98.