Accurately forecasting the risk matrix and constructing a well-controlled portfolio based on these forecasts is the core objective of effective asset allocation. This paper takes the Chinese stock market as the research object, employing multiple machine learning algorithms to systematically compare the predictive performance of the Financial Stress (FS) indicator and the Economic Policy Uncertainty (EPU) index in sectoral risk management. The forecast results are subsequently applied to portfolio construction and optimization. The findings indicate that, in terms of predictive dimensions, EPU demonstrates strong performance in short-term forecasts, but its explanatory power decays rapidly as the forecasting horizon extends. In contrast, the FS factor achieves forecasting accuracy that is significantly superior to both the EPU factor and traditional price series across all time horizons, exhibiting robust long-memory characteristics and cross-period stability. At the portfolio application level, the minimum variance strategy constructed based on FS forecasts effectively reduces out-of-sample portfolio variance, achieving superior risk control performance compared to strategies based on EPU factor forecasts. This result reveals the differentiated mechanisms of the two factor types: EPU acts as a driving force for short-term risk structure reshaping, while financial stress serves as the core variable driving the evolution of long-term risk structures. Machine learning methods provide an effective technical pathway for capturing these complex nonlinear relationships. The research conclusions offer new empirical evidence for investors to optimize asset allocation decisions and for regulatory authorities to improve risk monitoring systems.

Understanding the Treatment Disparities in Canadian College Students Experiencing Mental Health Problems: A Regression Analysis.

Asymmetric effects of oil price fluctuations on financial stress

Digital traps: The compounding impact of BNPL and social media on consumer financial stress

Evolving interdependencies across institutions and markets drive systemic financial risk, yet most forecasting models either treat assets independently or rely on static correlation structures. This limitation becomes particularly salient as cryptocurrency markets increasingly interact with traditional banking systems amid financial stress. Ignoring time-varying cross-market network structure risks understating tail risk ‎precisely during periods when accurate systemic risk assessment is most critical. This study proposes a dynamic graph neural network ‎‎(GNN) framework for systemic risk forecasting that models time-varying financial networks spanning banking institutions and major cryptocurrency assets. Nodes represent financial entities, while edges are constructed using rolling-window dependency measures that adapt to ‎changing market conditions. Node dynamics are modeled through temporal neural architectures, and stress regimes are explicitly identified ‎to evaluate performance under market turmoil. The empirical design includes strong temporal baselines, static-graph ablations, and cross-market removal experiments to isolate the contribution of network dynamics and crypto-market integration. Results indicate that a strong ‎LSTM baseline achieves superior volatility forecasting accuracy in both overall and stress-period evaluations, demonstrating the competitiveness of purely temporal models. However, within the class of graph-based models, dynamic GNNs substantially outperform static-graph variants during stress periods, demonstrating the importance of time-varying network structure for capturing volatility amplification. ‎Bank-only and full-system dynamic GNNs exhibit comparable stress-period performance, suggesting that cryptocurrency assets contribute ‎limited incremental information to bank-specific forecasts, while remaining informative for system-level stress characterization. The findings ‎suggest that dynamic graph representations enhance stress sensitivity and structural interpretability relative to static network models, even ‎when they do not surpass strong temporal baselines in raw predictive accuracy. The results support a restrained view of crypto–banking ‎contagion, emphasizing its conditional relevance during periods of market stress rather than unconditional systemic dominance.

Sexual minority men in China are at heightened risk for internalizing problems, including depression, anxiety, and somatization. Prior research has often focused on minority stressors (related to sexual minority status) while overlooking general stressors or relying on Western-informed measures, hindering a comprehensive understanding in the Chinese context. This study examined a wide range of stressors and within-group diversity using a large, heterogeneous sample (N = 4,310) recruited from a geosocial networking app. Variable-centered regression analysis revealed that both minority stressors (e.g., self homonegativity, discrimination, situational stress) and general stressors (e.g., financial stress and interpersonal problems) predicted increased internalizing problems. Moreover, perhaps culturally relevant to China, LGBTQ+ affirmation and outness were positively associated with internalizing problems. Person-centered latent class analysis revealed four psychosocial stress patterns: Class 1 participants (29.3%) experienced high minority and general stress; Class 2 participants (40.0%) reported high outness and LGBTQ+ affirmation but also high general stress including work-related and financial stress; Class 3 participants (17.1%) had high self homonegativity but low general stress; and Class 4 participants (13.6%) reported low stress overall. These patterns varied by age, socioeconomic status, and bisexual status, suggesting diverse stress burdens depending on sociodemographic characteristics, which further contribute to different levels of internalizing problems. The findings highlight the need for holistic interventions tailored to the diverse needs of Chinese sexual minority men beyond addressing minority stress alone.

Abstract Pregnancy-related anxiety is a distinct form of anxiety characterized by concerns specific to pregnancy, such as maternal and fetal well-being and healthcare experiences. This study examines the risk and protective factors for pregnancy-related anxiety using an ecological framework. The sample consisted of 219 pregnant women, with data collected by online survey. Hierarchical regression analysis assessed the impact of sociodemographic factors, enduring traits, and situational factors on pregnancy-related anxiety. The findings indicate that increasing age, lower self esteem, greater self-coldness, and exposure to intimate partner violence are significant predictors of pregnancy-related anxiety. Contrary to some previous research, ethnicity, education, employment, and financial stress and antenatal care were not significant predictors after accounting for other variables. The study highlights the importance of screening for pregnancy-related anxiety and intimate partner violence (IPV) in antenatal care, as well as the potential benefits of interventions aimed at improving self-compassion and self-esteem to mitigate this anxiety. These results underscore the need for comprehensive assessment tools that capture the breadth of pregnancy-related fears and concerns and for targeted interventions to support pregnant women at risk of anxiety. By addressing previous limitations related to the categorical and narrow assessment of pregnancy-related anxiety, this study provides a more nuanced understanding of its predictors and implications. Practical implications include universal screening of pregnancy-related anxiety and IPV in healthcare settings and the development of therapeutic interventions such as compassionate mind training to enhance self-compassion and self-esteem and skin-to-skin care. Future research should explore longitudinal designs to establish causal relationships and further investigate the role of protective factors in pregnancy-related anxiety.

ABSTRACT Biodiversity decline poses rising risks for firms, yet its effects on technological innovation remain underexplored. I thus investigate the influence of biodiversity risk on corporate innovation in the United States (US) from 2000 to 2023. I analyze firm‐level innovation along two dimensions: aggregate innovation, proxied by the cumulative number of patents granted, and green innovation, measured through environmentally oriented patents. To ensure robust estimation, a high‐dimensional Poisson pseudo‐maximum likelihood (PPML) framework is adopted. I reveal a consistent suppressive effect of biodiversity risk on overall and green innovation. The innovation response, however, exhibits significant sectoral heterogeneity: Utilities pursue broad modernization, real estate engages in compliance‐driven adjustments, and information technology firms tend toward strategic disengagement. I also identify three underlying mechanisms. Specifically, capital misallocation exacerbates the negative impact of biodiversity risk. Local market competition exerts a modest buffering effect, stimulating innovation in more competitive environments. Financial constraints unexpectedly lead firms toward targeted aggregate and green innovation under pressure from biodiversity. My research suggests that policies and institutions are needed to maintain stable innovation systems amid ecological and financial stress.

Abstract Background: Patients with advanced-stage breast cancer and their spouse/romantic partners experience various challenges throughout their cancer journeys, including economic hardships sustained from treatment known as financial toxicity. Financial toxicity has been associated with poor physical and mental health, with some findings suggesting a bidirectional effect of financial toxicity on the dyad’s wellbeing. Previous literature indicates couples’ open and supportive communication behavior is associated with improved cancer-related adjustment. However, these associations have not yet been studied in the context of financial toxicity. This study aims to identify prevalent financial concerns, examine convergence and divergence in the reported financial concerns between patients and their spouse, and explore the associations between the couples’ communication behaviors and psychosocial wellbeing. Methods: The current cross-sectional data are part of a longitudinal study examining the psychological and behavioral impact of financial stress on patient-caregiver dyads. Eligible participants included women with stage III-IV breast cancer and their spouse. Upon enrollment, dyads completed separate baseline assessments for financial toxicity (COST), depressive (CES-D) and anxiety (GAD-7) symptoms, relational wellbeing (DAS-7), and positive and negative affect (PANAS). Afterwards, participants engaged in a standardized 30-minute spousal interaction task, where each dyad member identified and discussed a finance-related concern with a focus on problem solving for the selected issues. Results: 85 dyads (n=2 same-sex dyads; > $100,000 income: 64%; DAS-7 < 21: P=15%, S=12%; ≥Grade 1 COST: P=52%, S=47%) completed the spousal interaction task. Concerns regarding treatment side effects (P. = 19%, S. = 28%), future financial stability (P = 13%, S=20%) and discussing financial stressors with each other (P = 12%, S = 19%) were rated as most frequent concerns for both members of the dyad. Yet participants tended to avoid selecting some of the most pressing financial concerns as a discussion topic for the spousal interaction task. For instance, although spouses reported maintaining a steady income as a frequent concern (20%) but rarely (5%) discussed this topic during the interaction task. Changes in both positive and negative affect after participating in discussion were compared using paired t-tests. A significant reduction in negative affect (P < 0.001) was found for spouses, but not for patients. Significant correlations were found between COST to DAS-7, GAD-7 and CES-D for patients and spouses. For patients only, significant correlations were found between COST to Cancer Communication Assessment Tool (CCAT) and discrepancy and Social Provisions Scale (SPS) total score. Discussion: The results of this study support the notion that even well-adjusted, affluent couples may benefit from professional assistance in discussing and solving financial concerns. For the issues listed as most frequently concerning that remained unaddressed, there may be several underlying explanations (e.g. a perceived lack of control, a desire to avoid confrontation, etc.) for why dyad avoid discussion for certain topics. However, our results demonstrated that couples’ problem-solving discussions regarding financial toxicity decreased - rather than increased - negative affect in caregivers, indicating that dyads should embrace discussion of financial topics they may find distressing. We recommend that healthcare providers consider encouraging this behavior in breast cancer dyads to reduce stress and negative affect overall. Citation Format: W. N. Riley, A. Ahn, J. Kroll, M. Chavez Mac Gregor, M. R. Jones, G. Smith, K. Milbury. Associations between Financial Toxicity and Illness-related Communication among Advanced Breast Cancer Patients and their Spouses [abstract]. In: Proceedings of the San Antonio Breast Cancer Symposium 2025; 2025 Dec 9-12; San Antonio, TX. Philadelphia (PA): AACR; Clin Cancer Res 2026;32(4 Suppl):Abstract nr PS1-01-26.

ABSTRACT Amid the global energy transition and crises, electricity price volatility has become a key determinant of financial stability. This study investigates the dynamic, time–frequency causal relationship between electricity price volatility and financial stress in five European countries–Germany, France, the UK, the Netherlands, and Belgium–over the period 2007–2024. Employing a continuous wavelet transform framework that integrates wavelet coherence and wavelet-based Granger causality, the analysis reveals pronounced time-varying, scale-dependent, and country-specific heterogeneity, as well as asymmetric multi-scale causal mechanisms linking electric and financial markets. The results indicate that during financial crises, financial stress leads electricity price volatility, and during energy crises, electricity price volatility drives financial stress through inflationary and liquidity channels. These findings provide practical insights for policymakers seeking to mitigate energy–finance spillovers, enhance market resilience, and design flexible, country-specific stabilization strategies.

This study proposes a two-stage structural model integrating financial literacy, education, attitudes, behavior, financial advice, and financial stress as predictors of financial capabilities. It examines the relationship between financial capabilities and financial well-being, highlighting financial resilience as a potential mediator. The main contribution is positioning financial resilience as a central explanatory mechanism, offering a holistic perspective that addresses theoretical gaps and provides empirical evidence in the context of an emerging economy. A non-experimental, quantitative, cross-sectional design was applied with a sample of 365 university students from Veracruz, Mexico. Data were collected via an online questionnaire and analyzed using exploratory and confirmatory factor analysis, structural equation modeling (SEM), and mediation analysis with bootstrap procedures. The results indicate that financial literacy, education, attitudes, financial advice, and behavior positively influence financial capabilities, with financial advice being the strongest predictor. Financial capabilities strongly affect financial well-being, whereas financial resilience did not mediate this relationship. Limitations include the cross-sectional design and non-probability sampling. Future research could examine additional mediators and moderators and evaluate interventions in diverse socio-economic contexts.

Abstract Background As one of the world’s major destinations for international education, Australia attracts large numbers of international students from diverse cultural backgrounds. However, in the process of adapting to local educational models, sociocultural norms, and living environments, these students commonly experience significant psychological pressure. In recent years, the prevalence of anxiety among international students in Australia has continued to rise. Existing research on anxiety factors often focuses on single variables and lacks systematic and comprehensive analysis. Therefore, this study conducted a multidimensional examination of anxiety factors among international students in Australia from academic, cultural, social, and individual perspectives, aiming to deepen the understanding of anxiety formation mechanisms within the Australian international education context. Methods The study employed a mixed research approach, combining quantitative surveys with in-depth interviews to analyze the causes of anxiety among international students in Australia. A total of 312 valid questionnaire responses were collected from three Australian universities. Quantitative instruments included an anxiety self-rating scale, a cross-cultural adaptation scale, an academic stress scale, and a social support assessment scale to evaluate psychological status and influencing factors. Additionally, semi-structured interviews were conducted with 28 international students from different countries, focusing on learning challenges, language-use situations, social experiences, life stressors, and cultural adaptation processes. Multiple regression analysis, structural equation modeling, and thematic analysis were used to synthesize and interpret the data, identifying key pathways and core dimensions of anxiety formation. Results The findings indicate that academic stress is the most significant source of anxiety. Unfamiliarity with academic writing requirements, classroom participation expectations, and assessment standards increased anxiety scores by 37.82%. Language pressure was the second major factor, with difficulties in English expression and discrepancies in classroom pacing contributing to a 29.44% increase in anxiety levels. Insufficient social support led to continuous increases in loneliness, with students lacking strong social networks scoring 24.67% higher in anxiety compared to socially active peers. Cultural differences, including value conflicts and behavioral norm mismatches, further increased anxiety levels by 18.93%. Economic stress associated with restrictions on part-time work and high living costs also emerged as a notable factor. Structural equation modeling revealed that language pressure and social support indirectly influenced anxiety levels through “cross-cultural adaptation,” forming a mediating pathway in anxiety generation. Discussion This study highlights the multidimensional mechanisms underlying anxiety among international students in Australia. Anxiety is not driven by a single cause but is instead the result of cumulative influences from academic pressure, language burden, cultural differences, limited social connections, and financial stress. The study suggests that universities should enhance cross-cultural academic support systems, provide personalized language tutoring and academic skills training, promote the development of student social networks, and expand emotional support resources. Psychological counseling, cultural adaptation programs, and financial assistance initiatives may also help mitigate anxiety risks. The findings offer theoretical guidance for understanding the psychological conditions of international students in Australia and developing targeted support strategies. Future research should include long-term longitudinal studies to track anxiety changes across different stages of the study-abroad experience.

Abstract Background Financial managers are constantly under pressure from performance evaluations, compliance risks, and high-intensity data processing, resulting in persistently high rates of burnout and anxiety. These conditions not only harm their physical and mental health but also lead to reduced decision-making efficiency and increased error rates. Existing psychological intervention studies primarily focus on general workplace groups, lacking specialized solutions tailored to the high-pressure, high-precision nature of financial work. To address the occupational stress and psychological challenges faced by financial managers while clarifying the synergistic effects of psychological interventions on work performance, this study conducts controlled experiments to explore the impact of targeted psychological care interventions on improving both mental well-being and job performance. The findings provide empirical evidence for enterprises to establish precise employee support systems and enhance organizational effectiveness. Methods A total of 108 financial managers (aged 25-50) from six enterprises were randomly assigned to an intervention group (n = 54) or a control group (n = 54). Groups were comparable at baseline in age, gender, tenure, and psychological/performance metrics (p>.05). The intervention group received 10 weeks of psychological care (twice weekly, 60 minutes/session), including cognitive restructuring, financial stress coping skills, and emotion regulation group coaching. The control group received standard corporate welfare (annual health checks, holiday greetings). Assessments using the Maslach Burnout Inventory–General Survey (MBI-GS), State–Trait Anxiety Inventory (STAI), and a Financial Work Performance Questionnaire (error rate, efficiency score) were conducted pre-intervention, at week 5, week 10, and 3-month follow-up. Data were analyzed via repeated-measures ANOVA, independent-samples t-tests, and chi-square tests (SPSS 26.0); p<.05 indicated statistical significance. Results Within-group comparisons showed that after 5 weeks, the intervention group demonstrated significant decreases in MBI-GS and STAI scores (p<.05) with marked improvements in job performance scores. By 10 weeks, these improvements had deepened further, and the effects remained stable during 3 months of follow-up. In contrast, the control group showed no significant changes across all time points. Between-group comparisons revealed that after 10 weeks, the intervention group's MBI-GS score (35.2 ± 4.6) was significantly lower than the control group's (46.8 ± 5.1) (t = 11.32, p<.001), while the STAI score (38.5 ± 4.3) and job performance score (89.6 ± 5.3) were significantly higher in the intervention group than in the control group (p<.001). In terms of clinical effectiveness, the intervention group achieved a significantly higher clinical effectiveness rate (79.6%) compared to the control group (37.0%) (χ2 = 24.19, p<.001). Additionally, the intervention group's work error rate decreased by 31.2% from baseline, whereas the control group showed no significant change. Discussion Research demonstrates that targeted psychological interventions significantly alleviate job burnout and anxiety among financial managers while enhancing work performance. The core strength of this approach lies in its alignment with financial stressors, employing a three-dimensional training framework of "cognitive adjustment, stress coping, and emotional management" to reduce psychological burdens and strengthen professional competencies. This model can be seamlessly integrated into corporate training systems without requiring additional facilities, perfectly matching the fast-paced nature of financial roles. Future implementations could incorporate EEG monitoring or behavioral tracking technologies to analyze the underlying mechanisms of intervention effects on work performance, facilitating standardized and scalable application of the program.

While digital family-based interventions show promise for preventing youth risk behaviors, including violence victimization and perpetration, low engagement can negatively impact the effectiveness and benefits of these programs at the population level. We investigated factors associated with family engagement with a digital dating violence (DV) prevention program developed for youth who have been exposed to intimate partner violence and their mothers. Hypothesized engagement predictors included population and family attributes as well as two program delivery factors-action planning and text message reminders-that were intended to promote program completion. Mothers were asked to complete the self-guided web-based program, entitled eMoms and Teens for Safe Dates (eMTSD), together with their adolescent over a 6-week period (n = 101 dyads). Using a factorial design, participants were randomly assigned to four groups with distinct program delivery features. Population and family attributes were measured at baseline. Two outcome measures assessed program engagement: level of program completion and mother- and adolescent-reported subjective experiences with program modules. Ordinal regression models did not provide evidence that tested program delivery factors were associated with program completion levels. Adolescent mental health and mothers' perceived program relevance were positively linked to program completion, while adolescent exposure to caregiver violence was negatively associated with program completion. Maternal mental health, adolescent exposure to DV victimization, and family financial stress were associated with more positive subjective experiences with program content. Findings suggest family-based programs should consider how to optimize content and delivery to maximize personal relevance and address mental health challenges among potential participants.

Background: Type 2 diabetes mellitus (T2DM) is a chronic condition that has been attributed to social factors; however, the cumulative effect of social determinants of health (SDOH) on T2DM incidence is not known. Objective: The aim of the present study was to examine the association between T2DM and the cumulative burden of multiple SDOH. Design: The study is a retrospective cohort study with a baseline between 2008 and 2009 and a ten-year follow-up between 2010 and 2019. Setting: The study was conducted using data from the United States Veterans Health Administration (VHA). Participants: Out of 10,537,027 patients treated in the VHA between 2010 and 2019, 6,518,102 patients were selected who had no evidence of T2DM or Elixhauser comorbidities at baseline (2008–2009). Measurements: Over 10 years following baseline, the exposure consisted of seven types of SDOH occurring in structured data: social isolation, financial stress, employment issues, food insecurity, transportation insecurity, unstably housed, and psychosocial need. Incidence of T2DM in the ten-year follow-up window was the primary outcome. Results: Veterans with ≥3 SDOH doubled their adjusted odds of T2DM (2.07; CI: 2.05–2.09). There were significant racial differences in cumulative SDOH, with 8.8% of Black individuals having the highest burden of ≥3 SDOH compared with 3.8% of White individuals. Transportation insecurity, psychosocial need, and financial stress significantly increased the odds of T2DM across all racial and ethnic groups. Black individuals had the highest T2DM odds ratio for psychosocial need (OR = 1.58; CI: 1.56, 1.60). Limitations: The Veteran population is predominantly male, limiting generalization to the wider population. Conclusions: With each additional SDOH burden, the odds of T2DM increased, and ≥3 SDOH doubled the odds. The cumulative SDOH burden and associated disparities warrant investigation to reduce T2DM incidence.

This study explores the key challenges and vulnerabilities of Female-Headed Households (FHHs) in accessing affordable housing in urban areas worldwide. Besides, the study discusses the global experience of FHHs regarding access to affordable housing in the global south, particularly in the Ethiopian context. To this aim, 73 peer-reviewed papers published between 1 January 2014 and 30 February 2025 were analyzed. The Preferred Reporting Items for Systematic Reviews and Meta-Analyses (PRISMA) approach was employed to select studies. The findings of the papers were analyzed using thematic analysis, word clouds, and keyword bibliometric analysis. The results indicate that the key problems affecting FHHs’ access to affordable housing globally are high housing prices, inadequate supply of affordable housing, economic insecurity, policy gaps, gender inequality, and patriarchal and socio-cultural practices. All of these factors and their intersectionality have forced FHHs to various socio-economic and health problems, including homelessness, delayed marriage and childbearing, gender based violence, food insecurity, and physical and mental health problems. Improving the supply of affordable housing is crucial to address the financial stress of FHHs and enhance their livelihoods. Additionally, implementing gender-responsible housing policies and promoting gender inequality in education and job opportunities is vital to promote an inclusive and sustainable urban development.

Depression is a growing mental health concern among university students and can harm academic performance and well-being. This study analyzes data from 27,901 university students to explore key risk factors and build models to predict depression. We focus on variables such as academic pressure, financial stress, sleep duration, study satisfaction, family history of mental illness, age, gender, and grade point average. Three machine-learning methods—logistic regression, LASSO, and random forest—were applied and compared. The results show that academic pressure, financial stress, and short sleep are the strongest predictors of depression, with family history and low study satisfaction also playing important roles, while age, gender, and grades had smaller effects. All three models performed strongly, with area-under-the-curve (AUC) values around 0.86 and showed good calibration. Logistic regression and LASSO achieved nearly the same accuracy as random forest, making them easier to use and explain in real settings. These findings highlight practical steps for schools and health services: programs that lower academic pressure, provide financial help, and improve sleep habits can reduce depression risk. Early identification and timely support may help prevent serious problems. This research shows that simple machine-learning models can guide effective and affordable mental-health strategies for students.

The article presents a systemic investigation into the behavioral determinants driving international financial relations, specifically within the context of escalating global instability and structural uncertainty. The relevance of the research is predicated on the conceptual insufficiency of classical economic paradigms, notably the Efficient Market Hypothesis (EMH), to adequately interpret the genesis of modern financial crises, the formation of speculative bubbles, and the excessive volatility of cross-border capital flows. The primary objective of this work is to identify, systematize, and critically analyze the key cognitive biases that distort the investment decision-making process, thereby deforming the global market architecture and amplifying systemic risks.The methodological framework of the study is constructed upon a synthesis of behavioral finance theory and international macroeconomics, employing a qualitative analysis of market anomalies. The article provides a detailed examination of specific psychological phenomena, including the “Home Bias Puzzle,” “Herding behavior,” and “Overconfidence.” It is substantiated that the Home Bias effect - manifested in the disproportionate concentration of domestic assets in portfolios - is not merely a consequence of transaction costs or information asymmetry, but is primarily driven by the investor’s psychological aversion to ambiguity and the illusion of competence. This cognitive distortion leads to inefficient global asset allocation and a failure to capitalize on international diversification benefits.Furthermore, the mechanism of “herding” is analyzed as a critical catalyst for the contagion of financial stress across borders. The study demonstrates how information cascades and collective irrationality trigger the formation of asset bubbles and subsequent panic selling. Special attention is paid to the impact of these biases on emerging markets, where shifts in global risk appetite can cause sudden capital stops or reversals unrelated to fundamental economic indicators. Based on a retrospective analysis of stock market dynamics, the author proves that the psychological component of market cycles is a dominant factor in precipitating financial collapses.The practical significance of the results lies in the proposal to integrate behavioral markers into the system of macroprudential regulation. The author concludes that enhancing the financial security of the state requires the development of adaptive mechanisms capable of mitigating the negative effects of investors' irrational exuberance. The article suggests that regulators should utilize behavioral insights to predict market anomalies and correct imbalances in international capital movements before they evolve into full-scale crises.

ABSTRACT Both the objective and perceived environment (including neighbourhood facilities) play an important and independent role in citizens’ health. Perceived facility availability, however, is not perfectly predicted by objective availability. More research is needed on what other factors influence perceived availability. Using multilevel model analysis, we controlled for neighbourhood objective availability, to identify citizens’ characteristics that predict the perceived availability of three types of health-promoting facilities: medical care, green spaces and sports. We used a large city-wide survey completed by 13,918 respondents across all 71 neighbourhoods together with objective neighbourhood data. We found age, gender, education, employment, living with partner, children present in household, financial stress and Dutch illiteracy to predict the perceived availability of facilities independently from objective availability, where predictors differ across the three types of facilities. Financial stress was the strongest and only constant predictor, with citizens under financial stress perceiving all three types of facilities to be less available. Policymakers should increase awareness and actively encourage the use of available health-promoting facilities, particularly among citizens coping with financial stress, to ensure equitable access to these resources. Without those efforts, those who stand to benefit most from these resources may fail to do so.

The impact of the COVID-19 virus disproportionately affected U.S. Indigenous peoples, who experienced the highest infection and death rates in comparison with non-Indigenous peoples. In this article, we use the framework of historical oppression, resilience, and transcendence (FHORT) to understand how Southeastern Indigenous peoples in the United States navigated hardships associated with the COVID-19 global pandemic. This culturally congruent framework contextualizes imbalances found at individual, family, and community ecological levels, illustrating a direct correlation to sociopolitical, historical, and cultural oppression. This research assessed interconnections of structural inequity and associated disruptions to Indigenous wholistic wellness amid the pandemic. Thirty-one community-based, critical ethnographic interviews were conducted following an Indigenous toolkit for ethical and culturally sensitive research to understand quantitative risk factors associated with participant responses to COVID-19. The following themes emerged: (a) racism, sexism, and discrimination; (b) increased trauma, financial stress, and violence; (c) physical symptoms; (d) impaired unity; and (e) disintegrated support and kinship networks. Risk factors associated with COVID-19 emerged in large part from systemic inequity, incongruence between Indigenous family values and physical distancing protocols, and impaired collectivism. Future crisis interventions should promote traditional protective factors to offset the impact of historical oppression, consistent with the FHORT.