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Behavioral Assessment Devices Several behavioral assessment devices are increasingly used to monitor sleep-wake patterns These devices include a switch-activated clock, a voice-activated recording system, and wrist actigraphy The rst two devices use a timer (activated by a handheld switch or by a vocal response to a periodic tone) to measure the time required to fall asleep Wrist actigraphy is currently the most widely used device for ambulatory data collection This activity-based monitoring system uses a microprocessor to record and store wrist activity along with the actual clock time Data are processed through microcomputer software, and an algorithm is used to estimate sleep and wake based on wrist activity The presence of motor activity is interpreted as wakefulness and the absence of activity is interpreted as sleep This device, as well as other behavioral assessment devices, does not measure sleep stages.

As auction sites like eBay and uBid became popular, a lot of new fraud schemes arrived speci cally targeted at this community, from selling bogus goods to misleading the consumer as to the type and condition of goods sold The online auction fraudster had many more scams they could pull, from setting up a number of auctions and selling goods they don t really have, collecting the payments, and then changing their identity, to using stolen credit cards to buy goods they sell on auction sites Fraudsters could also use the buyer s credit card information to buy additional goods that they then could sell back to other consumers on the site After 2000, we really started to see organization in the fraud attacks Online gangs and fraud rings started to emerge.

Despite these limitations, wrist actigraphy is a useful complementary method for assessing insomnia and certain circadian rhythm sleep disorders (Sadeh, Hauri, Kripke, & Lavie, 1995) The Role of Psychological Evaluation Because sleep disturbances often co-exist with psychopathology, a psychological evaluation should be an integral component of insomnia assessment This assessment is necessary to determine whether insomnia represents a primary disorder or a disorder secondary to psychological disturbances In the latter case, treatment should initially target the underlying psychological condition rather than the sleep problem Also, although most patients with insomnia do not meet diagnostic criteria for serious psychiatric disorders (eg, major depression, generalized anxiety disorder), almost all of them display some psychological distress (ie, depressed and anxious mood) concurrent to their sleep dif culties It is important to quantify and monitor exacerbation or improvement of this symptomatology during the course of treatment.

The most reliable strategy to determine the presence of psychopathology is to incorporate into the clinical interview key questions from the Structured Clinical Interview for DSM (Spitzer, Williams, Gibbon, & First, 1990), along with questions about past psychiatric history and treatment This is the most appropriate assessment modality when major psychopathology is suspected However, a more cost-effective approach is to use brief screening instruments that target speci c psychological features (eg, emotional distress, anxiety, depression) most commonly associated with insomnia complaints Instruments such as the Brief Symptom Inventory (Derogatis & Melisaratos, 1983), the Beck Depression Inventory (Beck, Ward, Mendelson, Mock, & Erbaugh, 1961), and.

From Asia to Nigeria to Russia, we saw a very systematic method of attack coordinated to move goods from the site to a third party to fence and sell them We also saw the emergence of social engineering in which fraudsters became bolder in their attacks, taking the initiative to contact the issuing banks, the merchants, and credit bureaus to complete their fraud Even when ags were raised, the fraudster would have taken initiatives to validate their identity enough to get the merchant to ship the actual goods This is only a snapshot of the fraud scams committed over the last 10 years and only focuses on the online aspect of the card-not-present (CNP) transaction Visa estimates the rate of online fraud to be approximately seven times that of fraud in the card-present world Some independent analysts have the estimate as high as twelve times.

Figure 3.9 An RF ESD diode structure highlighting the interconnect capacitance terms for a structure whose input wiring and output wiring are on different metal lm levels (e.g., input on AM level and output on M1 level)

Amsel, A. (1958). The role of frustrative nonreward in noncontinuous reward situations. Psychological Bulletin, 53, 102 119. Amsel, A. (1962). Frustrative nonreward in partial reinforcement and discrimination learning. Psychological Review, 69, 306 328. Angier, R. P. (1927). The con ict theory of emotion. American Journal of Psychology, 39, 390 401. Arnold, M. B. (1960). Emotion and personality. New York: Columbia University Press. Arnold, M. B. (1970). Feelings and emotions: The Loyola Symposium. New York: Academic Press. Averill, J. R. (1969). Autonomic response patterns during sadness and mirth. Psychophysiology, 5, 399 414.

While payment fraud in the card-present world has seen some declines over the last 20 years, it has risen steadily in the CNP world Fraud is not going to just stop occurring The initiatives by the card associations will help curb fraud, but as a merchant today, you have to be prepared to ght this battle; and for some of you reading this, that battle may mean the survival of your business..