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The German Banking Act (the Act) sets out the licensing requirements for the provision of cross‐border financial services into Germany. The licensing requirements under the Act incorporate the old licensing regime as well as subsequent EU regulations. The licensing requirements for non‐European Economic Association (EEA) credit institutions were not sufficiently addressed in the Act. Consequently, controversy surrounds the lawfulness of crossborder financial services by non‐EEA institutions in Germany. While, however, the German Financial Supervisory Authority (Bundesanstalt fürinanzdienstleistungsaufsicht, the BAFin) followed a liberal licensing policy, this dispute was mainly academic. In April, 2002, the BAFin published a letter expressing its intention of changing this liberal policy. Market participants voiced concerns at the proposed changes to the BAFin policy. This paper describes the statutory background of the licensing requirements and discusses the possible consequences for the market of the policy change.

Although credit unions are nonprofit organizations, their objectives depend on the efficient management of their resources and credit risk aligned with the principles of the cooperative doctrine. This paper aims to propose the combined use of credit scoring and profit scoring to increase the effectiveness of the loan-granting process in credit unions.

This sample is composed by the data of personal loans transactions of a Brazilian credit union.

The analysis reveals that the use of statistical methods improves significantly the predictability of default when compared to the use of subjective techniques and the superiority of the random forests model in estimating credit scoring and profit scoring when compared to logit and ordinary least squares method (OLS) regression. The study also illustrates how both analyses can be used jointly for more effective decision-making.

Replacing subjective analysis with objective credit analysis using deterministic models will benefit Brazilian credit unions. The credit decision will be based on the input variables and on clear criteria, turning the decision-making process impartial. The joint use of credit scoring and profit scoring allows granting credit for the clients with the highest potential to pay debt obligation and, at the same time, to certify that the transaction profitability meets the goals of the organization: to be sustainable and to provide loans and investment opportunities at attractive rates to members.

Changes in eating habits and food preferences caused by circadian rhythm disruptions in shift workers increase the risk for chronic diseases. Several studies demonstrated that shift work exerts adverse effects on various risk factors for cardiometabolic disease and cancer. Moreover, shift work leads to altered eating patterns, including diets low in alkaline foods (such as vegetables, fruit and legumes) and high in acidogenic foods (such as meat, fish and cheese). Previously not examined, this imbalance could result in a high dietary acid load (DAL). DAL has been linked to low-grade metabolic acidosis, tissue inflammation and other metabolic alterations. The aim of this study was to investigate the hypothesis that shift work is positively associated with an increased DAL.

The authors used cross-sectional data from the National Health and Nutrition Examination Surveys (2007–2010). The sample for this analysis was drawn from a representative multistage-probability sample of US civilians. DAL estimations included potential renal acid load (PRAL) and net endogenous acid production (NEAP). Acid load scores and nutrient intake were compared between regular day workers (n = 3,814; mean age, 43.7 ± 0.3; mean body mass index (BMI), 28.6 ± 0.1; females 46.9%) and shift workers (n = 881; age, 37.4 ± 0.6; BMI, 28.4 ± 0.3; females 48.1%). Evening/night shift workers combined with rotating shift workers were contrasted to participants on a regular daytime schedule.

Potassium and magnesium intake were significantly lower in shift workers, whereas no significant differences with regard to total energy intake were found. The authors found significantly higher crude NEAP_F scores in shift workers (mean: 61.8 ± 1.2 mEq/day) compared to regular day workers (mean: 58.7 ± 0.5 mEq/day, P = 0.023). After adjustment for confounders, however, this association remained no longer significant. There were no significant intergroup differences regarding NEAP_R and PRAL_R.

This study revealed significant differences in crude NEAP_F scores between shift workers and day workers. After adjustment for confounders, this association was no longer significant. Such discrepancy is probably because of the scarce homogeneity in the analyzed sample which represents the main limitation of this study. Thus, the results did not confirm the hypothesis that shift work is associated with elevated DAL scores. Importantly, the data suggest significant intergroup differences in nutrient intakes without confirming our initial hypothesis with regard to DAL.

In light of the detrimental health outcomes associated with an increased DAL, this study reinforces the call for evidence-based dietary guidelines in shift workers. Studies in other shift working populations are thus warranted.

While several studies have reported a relationship between chronic daily headache (CDH) and different dietary patterns, no study has investigated the association between CDH and the dietary inflammatory index (DII). This study aims to hypothesize that a higher DII score (proinflammatory diets) is associated with higher odds of CDH.

This cross-sectional study was performed using the baseline data of the Dena PERSIAN cohort study, including demographic information, body mass index, medical history, laboratory tests, sleep duration and blood pressure. The DII was computed based on the data collected by a valid 113-item food frequency questionnaire and a 127-item indigenous food questionnaire. The association between CDH and DII score was analyzed by simple and multiple logistic regression.

Out of 3,626 people included in the study, 23.1% had CDH. The median DII was −0.08 (interquartile range = 0.18). People in the third and fourth quartiles of DII (proinflammatory diet) had a 20% (odds ratio: 0.80; 95% confidence interval: 0.65–1) and a 25% (odds ratio: 0.75; 95% confidence interval: 0.61–0.94) lower chance of having CHD than those in the first quartile, respectively. After adjustment for confounding variables, this association did not remain statistically significant (p > 0.05).

Although the analysis conducted without adjustment for medical history showed a significant association between proinflammatory diet and reduced CDH, considering the diverse etiology of different types of headaches and the paucity of studies in this area, further studies are needed to investigate the DII score of patients by the type of headache, its severity and duration.