This article critically analyses the substantial inadequacies of the current Customer Due Diligence (CDD) framework in safeguarding marginalised communities from financial exclusion in Malaysia. It highlights that for vulnerable groups such as rural inhabitants, undocumented migrants, and refugees, the CDD, as currently framed and applied, only impedes access to formal financial services. While Malaysia's implementation of a risk-based approach in CDD policies complies with global standards of CDD, this article argues that these standards fall far short of effectively helping marginalised communities. In addition, there is evidence that banks are exhibiting over-cautious compliance behaviour, which resulted in banks hesitating to implement some of the CDD flexibilities introduced by the regulators. In order to address these problems and overcome the barriers, proposals for the development of new CDD strategies are analysed. These include reducing documentation requirements, widening the list of acceptable documents, and introducing entry-level accounts. The aim is to address banking access issues for marginalised communities without compromising the regulatory objectives of CDD. The article recommends that CDD regulations can better assist financial inclusion if they are tailored to the specific needs of the excluded communities by using a risk-based approach.

We extend previously known two-dimensional multiplication tiling systems that simulate multiplication by two natural numbers p and q in base $pq$ to higher dimensional multiplication tessellation systems. We develop the theory of these systems and link different multiplication tessellation systems with each other via macrotile operations that glue cubes in one tessellation system into larger cubes of another tessellation system. The macrotile operations yield topological conjugacies and factor maps between cellular automata performing multiplication by positive numbers in various bases.

Given a two-sided shift space on a finite alphabet and a continuous potential function, we give conditions under which an equilibrium measure can be described using a construction analogous to Hausdorff measure that goes back to the work of Bowen. This construction was previously applied to smooth uniformly and partially hyperbolic systems by the first author, Pesin, and Zelerowicz. Our results here apply to all subshifts of finite type and Hölder continuous potentials, but extend beyond this setting, and we also apply them to shift spaces with synchronizing words.

The fern of Achala Asplenium achalense Hieron. (Aspleniaceae), endemic to north-west and central Argentina, was formerly considered a lost species. We describe its rediscovery in August 2022 in the Yungas biogeographical province, compile a map of all historical and current records of the species, and propose an IUCN Red List status. We estimated the fern of Achala's range using the area of occupancy of the rediscovered population, calculated as 4 km2 because it is located in a single 2 × 2 km grid square. The extent of occurrence cannot be calculated because only a single living population is known. These data suggest a provisional categorization of the fern of Achala as Critically Endangered based on criteria B2ab(i,ii,iii,iv,v). The species should be considered Regionally Extinct in its locus classicus in Comechingones biogeographical province. We recommend securing the conservation of the single known population (which does not lie within a conservation unit), further surveys for the species in the five protected areas where it was recorded historically, and restoration of the species in the wild. To support the latter, we are cultivating spores and gametophytes of the fern of Achala, in collaboration with colleagues from the National University of La Plata.

Crop foraging by African savannah elephants Loxodonta africana negatively affects farmer livelihoods and support for conservation, yet affordable, sustainable and practical solutions remain elusive. To inform conservation priorities, our goal was to assess the hitherto little explored relationships between farmers’ views on agricultural damage and the socio-economic factors limiting their use of elephant deterrents. We tested our hypotheses associated with the demographic categories of age, education level, years spent farming, gender, exposure to information on deterrent methods, farm size, village and relevant combinations of these factors by surveying 206 respondents across six villages in rural Kenya and analysing the resulting data using an information theoretic approach. Respondents were almost four times more likely to use deterrents if exposed to the relevant information, and almost five times more likely to do so if they had secondary education as opposed to none. Farmers with a higher level of education were five times more likely to have received information on deterrents compared to those with no formal education. Participants who had not received information on deterrents were almost three times more likely to believe that they could implement deterrent methods. Respondents who stated that they could not implement deterrents overwhelmingly cited a lack of financial resources as the reason. Overall, we found that crucial information on reducing elephant crop foraging is not reaching the relevant stakeholders, and socio-economic factors such as education and exposure to information appear to limit uptake of protective measures. These insights are important for developing mitigation strategies and supporting the livelihoods of people affected by negative human–elephant interactions, and thus for effective elephant conservation. Our findings also have broader applications for practitioners seeking to understand barriers stakeholders face in their efforts to mitigate negative interactions with wildlife.

The recent rise of active shootings calls for adequate preparation. Currently, the “Run, Hide, Fight” concept is widely accepted and adopted by many hospitals nationwide. Unfortunately, the appropriateness of this concept in hospitals is uncertain due to lack of data. To understand the “Run, Hide, Fight” concept application in hospitals, a review of currently available data is needed. A systematic review was done focusing on the “Run, Hide, Fight” concept using multiple databases from the past 12 years. The PRISMA flow diagram was used to systematically select the articles based on specific inclusion and exclusion criteria. The measurements were subjective evaluations and survival probabilities post-concept. One agent-based modeling study suggested a high survival probability in non-medical settings. However, there is a paucity of data supporting its effectiveness and applicability in hospitals. Literature suggests a better suitable concept, the “Secure, Preserve, Fight” concept, as a response protocol to active shootings in hospitals. The effectiveness of the “Run, Hide, Fight” concept in hospitals is questionable. The “Secure, Preserve, Fight” concept was found to be designed more specifically for hospitals and closes the gaps on the flaws in the “Run, Hide, Fight” concept.

In its nearly 80-year history, the International Whaling Commission (IWC) has shifted from a “whalers club” to an international governance body chiefly focused on the protection and conservation of global cetacean populations. Drawing on recent scholarship on extinction and its entanglements, this article compares two addresses given by whalers at IWC meetings 40 years apart to problematise the way whaling and its relation to extinction is conceptualised in international environmental governance. Guided by practice-oriented document analysis and recent theorisation of extinction as an entangled process, this article analyses the personal stakeholder testimonies from two different representatives of the North Slope whalers of Northern Alaska to the IWC – one in relation to the 1977 Alaska bowhead whaling controversy and the other in the context of the 2018 negotiations over streamlining Aboriginal Subsistence Whaling management and supporting greater flexibility and Indigenous autonomy. By comparing these two statements from very different points of history for the IWC and the governance of Indigenous whaling, this article illustrates some of the ongoing struggles for environmental governance to recognise extinction as a complex, multifaceted process that reverberates throughout human and more-than-human communities.

This article presents structural and interactional aspects of Strong Finals, a prosodic feature characterised by lengthening, increased volume, and non-falling intonation on word-final syllables. Interactionally, Strong Finals support five types of action: listing, projecting a description, stating conditions, asking questions, and announcing reported speech. In general, Strong Finals project that there is more to come, and this ‘more’ may in some cases be provided by either participant. Strong Finals are often found in multi-speaker settings, where they assist speakers in taking the floor or changing the topic. The article’s descriptions are based on recordings of natural spoken interaction in linguistically diverse areas in Aarhus, Denmark. Here, a new urban dialect has developed like other urban dialects that have been described in Copenhagen and other North Germanic cities. Strong Finals are a local phenomenon, however, and are not found in the Copenhagen studies.

In this study, we integrate work–family enrichment and upper echelons theories to examine how and when chief executive officers’ (CEOs’) family experiences impact their firms’ performance. We argue that CEO family harmony has an indirect effect on their firms’ product innovation performance through top management team (TMT) behavioral integration. Additionally, we propose that CEO founder status strengthens the effects of CEO family harmony. Our analysis of data from 101 CEOs and 458 TMT members in various high-tech industries in China indicates that the positive relationship between CEO family harmony and firms’ product innovation performance is mediated by TMT behavioral integration. Moreover, CEO founder status increases the direct effect of CEO family harmony on TMT behavioral integration and its indirect effect on firms’ product innovation performance through TMT behavioral integration. These findings have theoretical and practical implications and provide new research directions in the study of CEO family–work spillover and CEO–TMT interfaces.