Additional file 3. Observed Emotions Rating Scale.

Additional file 3. Observed Emotions Rating Scale.

Additional file 1. Fig. S1. Physicochemical characterization of non-labeled sEVs by transmission electron microscopy. Images showing the morphology and size of unlabeled sEVs. Fig. S2. In vivo and ex vivo studies of dual-sEVs. A In vivo SPECT/CT imaging of a tumor 24 h after i.v injection of the dual-sEVs. B In vivo optical imaging of tumor-bearing mice 3 h after i.v. injection in the lateral (left) and prone (right) positions. C Ex vivo optical imaging...

We analyze the relationship between the intensity of banks’ use of soft-information and household bankruptcy patterns. Using a unique data set on the universe of Canadian household bankruptcies, we document that bankruptcy rates are higher in markets where the collection of soft, or qualitative locally gathered information, is the weakest. Using two Canadian bank mergers as exogenous variation in local market structure, we show that the differences in bankruptcy rates are not due to changes...

"How is the stability of the financial sector affected by competition in the deposit market and by banks’ choices about the level of transparency? We propose a model in which both elements interact and influence investors’ withdrawal decisions and banks’ level of distress (that is, the probability banks will default on their debt). The model also shows how measures regulating bank competition and bank transparency affect the stability of the financial sector. Banks face a...

This paper uses Canadian matched employer-employee data to show that working hours are gross complements in production rather than perfect substitutes, as is typically assumed. We exploit within-establishment and individual-level variation in hours and wages to document novel evidence consistent with complementarities in hours worked. Next, we estimate an elasticity of substitution in working hours of 0.69 in the aggregate and between 0.52 and 1.04 at the industry level. We validate our estimates by showing...

Additional file 1. Almere model base questionnaire for Acceptability.

Additional file 1. Almere model base questionnaire for Acceptability.

Additional file 2. System Usability Scale.

Expected returns vary when investors face time-varying investment opportunities. Long-run risk models (Bansal and Yaron 2004) and no-arbitrage affine models (Duffie, Pan, and Singleton 2000) emphasize sources of risk that are not observable to the econometrician. We show that, for both classes of models, the term structure of risk implicit in option prices can reveal these risk factors ex-ante. Empirically, we construct the variance term structure implied in SP500 option prices. The variance term structure...

Additional file 1. Fig. S1. Physicochemical characterization of non-labeled sEVs by transmission electron microscopy. Images showing the morphology and size of unlabeled sEVs. Fig. S2. In vivo and ex vivo studies of dual-sEVs. A In vivo SPECT/CT imaging of a tumor 24 h after i.v injection of the dual-sEVs. B In vivo optical imaging of tumor-bearing mice 3 h after i.v. injection in the lateral (left) and prone (right) positions. C Ex vivo optical imaging...

Additional file 2. System Usability Scale.

Additional file contains Supplementary Note 1—Data, Supplementary Note 2—Representativity, Supplementary Note 3—Non-negative matrix factorization, Supplementary Note 4—Rank Selection, Supplementary Note 5—Comparison with LDA, Supplementary Note 6—Models, and Supplementary Note 7—Robustness checks. It also contains Supplementary Figures S1 to S5 and Supplementary Tables S1 to S4. (PDF 838 kB)

Additional file contains Supplementary Note 1—Data, Supplementary Note 2—Representativity, Supplementary Note 3—Non-negative matrix factorization, Supplementary Note 4—Rank Selection, Supplementary Note 5—Comparison with LDA, Supplementary Note 6—Models, and Supplementary Note 7—Robustness checks. It also contains Supplementary Figures S1 to S5 and Supplementary Tables S1 to S4. (PDF 838 kB)