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8684964a-bab1-4235-93a8-5fd5e24a1d0a
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How long do patients
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How long do patients with chronic disease ?
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The PDF is a clinical research article that invest The PDF is a clinical research article that investigates how long patients with chronic medical conditions live, and how their survival compares with that of the general population. The study focuses on using cohort survival analysis to estimate life expectancy after diagnosis for individuals with chronic diseases.
The document is designed to help clinicians, patients, and caregivers better understand:
the prognosis of chronic illnesses,
the expected years of life after diagnosis, and
variations in survival based on disease type, risk factors, and demographics.
The study includes both model-based projections and observed survival curves from multiple patient populations.
š Main Purpose of the PDF
To provide accurate survival estimates for chronic disease patients by analyzing:
life expectancy after diagnosis,
mortality rates over time,
relative survival compared with age-matched individuals,
the effect of disease severity and comorbidities.
The paper aims to offer practical, medically meaningful data for planning long-term patient care.
š„ Diseases Analyzed
The document examines survival patterns for multiple chronic illnesses (as shown in the extracted table), including:
Diabetes
Hypertension
Chronic Obstructive Pulmonary Disease (COPD)
Coronary artery disease
Cancer (various types)
Heart failure
Chronic kidney disease
Each condition has its own survival profile, reflecting its unique biological and clinical course.
š Key Findings
1. Survival varies greatly by disease type.
Some diseases show relatively long survival (e.g., controlled hypertension), while others show rapid decline (e.g., advanced heart failure or late-stage cancer).
2. Life expectancy decreases significantly with disease severity.
Mild and moderate stages allow longer survival.
Severe stages reduce life expectancy sharply.
3. Age at diagnosis has a major effect.
Younger patients typically lose more potential life years, even if they survive longer after diagnosis.
4. Comorbidities worsen survival outcomes.
Patients with multiple chronic conditions have significantly lower life expectancy than those with a single disease.
š Data & Tables Provided
The PDF includes a major table that lists:
Years lived after diagnosis
Average age at death
Expected survival window
Comparison with general population life expectancy
Example entries include life expectancy figures such as:
Patients living 5ā8 years after diagnosis of certain diseases
Some conditions showing surviving 10ā14 years
Severe diseases showing survival 3ā6 years
All data illustrate how chronic illness reduces lifespan and initiates a predictable survival pattern.
š§Ŗ Methodology
The study uses:
Cohort survival analysis
Longitudinal patient records over many years
KaplanāMeier survival curves
Hazard ratio modeling
These methods provide precise, statistically robust estimates of life expectancy.
ā¤ļø Why This Information Matters
The document helps:
Patients
Understand realistic expectations for future health and lifespan.
Clinicians
Plan treatment goals, monitoring frequency, and long-term care.
Caregivers & Families
Make informed decisions about support, lifestyle adjustments, and long-term planning.
š§¾ Overall Conclusion
The PDF shows that chronic diseases significantly reduce life expectancy, but the extent varies widely depending on:
disease type,
severity,
patient age,
and comorbid conditions.
It provides clear survival data to guide medical decision-making and patient counseling.
If you want, I can also provide:
ā
a short summary
ā
a very simple explanation
ā
a list of life expectancies by disease
Just tell me!...
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Longevity and Hazardous
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Longevity and Hazardous Duty
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This document is an official Operating Policy and This document is an official Operating Policy and Procedure (OP 70.25) from Texas Tech University outlining rules, eligibility, and administrative guidance for Longevity Pay and Hazardous Duty Pay for university employees.
Purpose
To establish and explain the universityās policy for awarding longevity pay and hazardous duty pay in accordance with Texas Government Code.
Key Components of the Policy
1. Longevity Pay
Payment Structure
Eligible employees receive $20 per month for every 2 years of lifetime state service, up to 42 years.
Increases occur every additional 24 months of service.
Eligibility
Employees must:
Be regular full-time, benefits-eligible staff on the first workday of the month.
Not be on leave without pay the first workday of the month.
Have accrued at least 2 years of lifetime state service by the previous monthās end.
Certain administrative academic titles (e.g., deans, vice provosts) are included.
Split appointments within TTU/TTUHSC are combined; split appointments with other Texas agencies are not combined.
Employees paid from faculty salary lines to teach are not eligible.
Student-status positions are not eligible.
Longevity Pay Rules
Not prorated.
Employees who terminate or go on LWOP after the first day of the month still receive the full month's longevity pay.
Paid by the agency employing the individual on the first day of the month.
Longevity pay is not included when calculating:
lump-sum vacation payouts,
vacation/sick leave death benefits.
Eligibility Restrictions Related to Retirement
Retired before June 1, 2005, returned before Sept 1, 2005 ā eligible for frozen longevity amount.
Returned after Sept 1, 2005 ā not eligible.
Retired on or after June 1, 2005 and receiving an annuity ā not eligible.
2. Lifetime Service Credit (Longevity Service Credit)
Employees accrue service credit for:
Any previous Texas state employment (full-time, part-time, temporary, faculty, student, legislative).
Time not accrued for:
Service in public junior colleges or Texas public school systems.
Hazardous duty periods if the employee is receiving hazardous duty pay.
Other rules:
Leave without pay for an entire month ā no credit.
LWOP for part of a month ā credit allowed if otherwise eligible.
Employees must provide verification of prior state service using inter-agency forms.
3. Longevity Payment Schedule
A structured monthly rate based on total months of state service, starting at:
0ā24 months: $0
25ā48 months: $20
...increasing in $20 increments every 24 months...
505+ months: $420
(Full table is included in the policy.)
4. Hazardous Duty Pay
Eligibility
Paid to commissioned peace officers performing hazardous duty.
Must have completed 12 months of hazardous-duty service by the previous monthās end.
Payment
$10 per 12-month period of lifetime hazardous duty service.
Part-time employees receive a proportional amount.
If an officer transfers to a non-hazardous-duty role, HDPay stops, and service rolls into longevity credit.
5. Hazardous Duty Service Credit
Based on months served in a hazardous-duty position.
Combined with other state service to determine total service.
Determined as of the last day of the preceding month.
6. Administration
Human Resources is responsible for:
Maintaining service records
Determining eligibility
Processing pay
Correcting administrative errors (retroactive to last legislative change)
Longevity and hazardous duty pay appear separately on earnings statements.
7. Policy Authority & Change Rights
Governed by Texas Government Code:
659.041ā659.047 (Longevity Pay)
659.301ā659.308 (Hazardous Duty Pay)
Texas Tech reserves the right to amend or rescind the policy at any time.
...
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Predicting Human Lifespan
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Predicting Human Lifespan Limits
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1. Humans have been living longerābut is there a l 1. Humans have been living longerābut is there a limit?
Survival and life expectancy have improved dramatically due to income, nutrition, education, sanitation, and medicine.
But scientists still debate whether human lifespan is capped at 85, 100, 125, or even 150 years.
The paper addresses this debate using a new mathematical method.
2. A New Model of Human Survival Dynamics
The authors use a survival function:
š
(
š„
)
=
exp
ā”
[
ā
(
š„
/
š¼
)
š½
(
š„
)
]
S(x)=exp[ā(x/Ī±)
Ī²(x)
]
where:
Ī± = characteristic life
Ī²(x) = an age-dependent exponent describing how sharply survival declines with age
They show that Ī²(x) becomes more ānegatively curvedā at extreme ages, which creates the maximum survival tendencyāa universal biological effect that pushes death rates down but eventually forces an upper limit.
They model Ī²(x) with a quadratic equation, allowing them to calculate a point called q, the āupper x-intercept,ā from which lifespan limits can be predicted.
3. Data Used
They analyze Swedish female survival data (1977ā2007)āthe most reliable long-term demographic datasetāand verify the method across 31 industrialized countries worldwide.
4. The Key Result: The Lifespan Limit ā 125 Years
The model reveals a strong linear relationship between the q parameter and the predicted lifespan limit Ļ across countries:
š
=
0.458
š
+
54.241
Ļ=0.458q+54.241
Using this, they find:
In multiple modern countries, maximum lifespan values cluster around 122ā130 years.
The predicted global human lifespan limit is ~125 years, matching known records (e.g., Jeanne Calmentās 122.45 years).
For Swedish women, the predicted limit approaches 125 years in the most recent decade.
5. Implications
The study concludes:
Human lifespan is likely approaching a true biological limit.
Survival curves show increasing compression near the limitāmore people live close to the maximum age, but very few can surpass it.
Anti-aging technologies might allow more people to reach the limit, but probably cannot exceed it significantly.
The findings support existing biological theories that propose genetic and physiological ceilings to human longevity.
The authors also warn of rising social, medical, and economic challenges as populations age toward this limit.
6. Verification and Strength of the Model
The authors validate the model through:
Mathematical consistency checks
Mortality pattern simulations
High correlation (rĀ² ā„ 0.95ā0.99) between model predictions and real demographic data
This shows the model reliably captures the dynamics of human aging....
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The Value of Health
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The Value of Health and Longevity
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The Value of Health and Longevity is an in-depth, The Value of Health and Longevity is an in-depth, economics-driven exploration of why improvements in health, life expectancy, and disease prevention create extraordinary social and economic valueāfar greater than what is reflected in traditional GDP metrics. The paper argues that health is the most important form of human capital, and that longer, healthier lives are among the most powerful drivers of sustained economic prosperity.
Drawing on the work of the Lown Institute and building on the landmark insights of health economists such as David Cutler and Nobel laureate Angus Deaton, the document quantifies the enormous benefits that medical progress has delivered over the past century. It highlights that gains in longevity have contributed more to national well-being than virtually any other economic achievement, and that each additional year of life expectancy yields trillions of dollars in societal value when considering productivity, reduced disease burden, and enhanced quality of life.
The report emphasizes that historical improvements in cardiovascular care, vaccines, infection control, maternal health, and chronic-disease management have delivered some of the greatest returns on public investment in modern history. It demonstrates that even modest future improvementsāsuch as reducing cancer mortality or slowing age-related diseaseāwould generate economic benefits that dwarf typical innovation investments.
A central theme is the need for a more preventive, equitable, and value-conscious healthcare system. The authors warn that U.S. healthcare is simultaneously expensive and inefficient, delivering below-potential health outcomes despite the worldās highest spending. They argue that policies must shift toward reducing waste, expanding access to effective care, and addressing social determinants of health.
In its closing sections, the paper calls for a new national commitment to long-term health innovation, including longevity science, early-stage disease detection, and public-health infrastructure. It asserts that viewing health as an economic engineānot merely an expenditureācan guide better policymaking, shape smarter resource allocation, and unlock vast economic potential for future generations.
If you'd like, I can also prepare:
ā
a one-page executive summary
ā
a bullet-point key insights list
ā
a quiz or study guide
Just let me know!...
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LONGEVITY PAY
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LONGEVITY PAY
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This document is a concise, practical proposal out This document is a concise, practical proposal outlining how SCRTD (South Central Regional Transit District) can implement a Longevity Pay Programāa compensation strategy designed to reward long-term employees, reduce turnover, improve recruitment, and enhance organizational stability. It explains why longevity pay is especially important for a young, growing public agency competing for talent with neighboring employers such as the City of Las Cruces and DoƱa Ana County.
The core message:
Longevity pay motivates employees to stay, rewards loyalty, stabilizes the workforce, and reduces long-term training and hiring costs.
š§© Key Points & Insights
1. What Longevity Pay Is
Longevity pay is an incentive that rewards employees for staying with the organization for extended periods.
It benefits:
employees (through financial or non-financial rewards)
employers (through stronger retention and lower costs)
Longevity-Pay
2. Why SCRTD Needs It
Since SCRTD is a relatively new transit agency, it struggles to compete with larger, established local employers. Longevity pay would:
increase employee satisfaction
retain skilled workers
stabilize operations
reduce turnover and training costs
Longevity-Pay
3. Start With Modest Early Rewards
Because the agency is young, the proposal recommends offering smaller, earlier rewards (starting at 5 years) to acknowledge employees who joined in SCRTDās early growth phase.
Longevity-Pay
4. Tiered Longevity Pay Structure
A sample tiered system is provided:
After 5 years: +2% salary or $1,000 bonus
After 7 years: +3% salary or $1,500 bonus
After 10 years: +5% salary or $2,500 bonus
Every 5 years after: additional 2ā3% increase or equivalent bonus
This creates clear milestones and long-term motivation.
Longevity-Pay
5. Tailor Pay to Job Roles
Not all roles have the same responsibilities. The proposal suggests:
Frontline staff: flat bonuses
Mid-level staff: percentage-based increases
Executive staff: higher percentage increases + bonuses
This adds fairness and role-appropriate incentives.
Longevity-Pay
6. Add Non-Monetary Recognition
Longevity rewards can include:
extra vacation days
plaques, certificates, or awards
special privileges
These strengthen morale without increasing payroll costs.
Longevity-Pay
7. Offer Flexible Reward Options
Employees could choose between:
cash bonuses
added leave
retirement contributions
This personalization increases satisfaction.
Longevity-Pay
8. Cap Longevity Pay for Sustainability
To prevent budget strain, the plan recommends capping longevity increases after 20ā25 years of service.
Longevity-Pay
9. Example Plans
Two sample models show how SCRTD could implement longevity rewards:
Plan 1 ā Tiered Milestones
Years 5ā7: 2% or $1,000
Years 7ā10: 3% or $1,500
Years 10ā15: 5% or $2,500
Years 15+: 3% increments or $2,500 every 5 years
Plan 2 ā Annual Bonus Formula
A simple formula:
Years of tenure Ć $100, paid annually (e.g., every November).
Longevity-Pay
š§ Overall Conclusion
This document provides SCRTD with a clear, flexible framework for establishing a Longevity Pay Program that:
strengthens employee loyalty
supports retention
enhances recruitment competitiveness
rewards dedication fairly and sustainably
It balances financial incentives with non-monetary recognition and offers multiple example structures to fit different budget levels....
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Longevity education
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CORE COMPETENCIES FOR
PROFESSION
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āThe Essentials: Core Competencies for Professiona āThe Essentials: Core Competencies for Professional Nursing Educationā is the American Association of Colleges of Nursingās updated national framework (2021) that defines everything a professional nurse must know and be able to do. It modernizes nursing education by shifting from content-based education to competency-based education, ensuring that graduates are ready to meet todayās complex healthcare demands.
The document sets two levels of nursing education outcomes:
Level 1: Entry-level professional practice (e.g., BSN).
Level 2: Advanced professional practice (e.g., MSN/DNP).
At the heart of the Essentials are the Core Competencies, which every nurse must demonstrate across practice settings. These include:
Knowledge for Nursing Practice ā clinical judgment, pathophysiology, pharmacology, social sciences, and population health
Person-Centered Care ā respecting individuals' values, needs, and preferences
Population Health ā understanding social determinants of health, equity, and prevention strategies
Scholarship for Nursing Practice ā evidence-based practice and lifelong learning
Quality and Safety ā reducing risk, improving care systems, and fostering safety culture
Interprofessional Partnerships ā collaborative team-based care
Systems-Based Practice ā navigating healthcare structures and advocating for improvements
Informatics & Healthcare Technologies ā using digital tools, data, and technology safely
Professionalism ā ethical behavior, accountability, and leadership identity
Personal, Professional, and Leadership Development ā resilience, self-care, adaptability, and growth
The Essentials also include conceptual domains, such as diversity, communication, ethics, clinical judgment, and care coordination. These domains guide curriculum design, assessment strategies, and educational outcomes.
Overall, the document transforms nursing education into a competency-driven, adaptable, future-ready system, ensuring nurses are prepared for rapid changes in healthcare, technological advancement, population needs, and interprofessional collaboration.
It serves as the national roadmap for developing competent, ethical, evidence-based nursing professionals who can promote health, deliver safe care, and lead across complex healthcare environments....
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Striving for Active
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Striving for Active and Healthy Longevity
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āStriving for Active and Healthy Longevity: ASEANā āStriving for Active and Healthy Longevity: ASEANās Commitment to Successful Ageingā is a comprehensive meeting-summary report detailing ASEANās regional strategy to build societies where older adults can live healthier, more active, and more dignified lives. The report captures the key outcomes of a two-day consultative meeting held in February 2025, co-organised by the ASEAN Centre for Active Ageing and Innovation (ACAI) and the Economic Research Institute for ASEAN and East Asia (ERIA).
At the heart of the document is the ACAI 5-Year Strategic Plan (2025ā2029)āa blueprint for guiding ASEAN countries through the rapid transition to ageing societies. The plan focuses on four strategic outcome areas:
Advancing health and well-being through integrated care, mental health support, social connectedness, and long-term care systems.
Building an inclusive economy and digital opportunities by promoting lifelong learning, dignified work, financial inclusion, and the āsilver economy.ā
Creating age-friendly, climate-resilient environments including accessible infrastructure, disaster-prepared communities, and urban planning tailored to older adults.
Ensuring organisational sustainability through multisectoral partnerships, resource mobilisation, knowledge-sharing, and evidence-based policymaking.
The report synthesises insights from ASEAN government officials, UN agencies, WHO, ADB, academic institutions, and civil society. Presentations covered essential themes such as:
The UN Decade of Healthy Ageing
Region-specific ageing indicators and long-term care models
The design and future use of the ASEAN Active Ageing Index (AAAI)
Life-course cohort studies for monitoring ageing trajectories
Innovative retirement, health promotion, and dementia-friendly approaches
The intersection of ageing with climate change and demographic shifts
A central message throughout the meeting is that ASEAN must adapt, collaborate, and innovate to manage its unprecedented demographic change. ACAI positions itself not as an implementer, but as a regional facilitator, connector, and knowledge hubāhelping Member States translate research into action, harmonise policies, and share best practices.
The report concludes with governance decisions, next steps, and commitments from ACAIās Governing Board, reaffirming ASEANās regional solidarity in building an active, inclusive, and resilient ageing society by 2029....
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The Multiomics Blueprint
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The Multiomics Blueprint of Extreme Human Lifespan
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This study presents a comprehensive multiomics ana This study presents a comprehensive multiomics analysis of an extraordinary human subject, M116, the worldās oldest verified living person from January 2023 until her death in August 2024 at the age of 117 years and 168 days. Born in 1907 in San Francisco to Spanish parents, M116 spent most of her life in Spain. Despite surpassing the average female life expectancy in Catalonia by over 30 years, she maintained an overall good health profile until her final months. The research aimed to dissect the molecular and cellular factors contributing to her extreme longevity by integrating genomic, epigenomic, transcriptomic, proteomic, metabolomic, and microbiomic data derived primarily from blood, saliva, urine, and stool samples.
Key Insights and Findings
Longevity is multifactorial, with no single genetic or molecular determinant but rather a complex interplay of rare genetic variants, preserved molecular functions, and adaptive physiological traits.
Extreme age and poor health are decoupled; M116 exhibited biological markers of advanced age alongside molecular features indicative of healthy aging.
Molecular assessments reveal preserved and robust biological functions that likely contributed to her extended lifespan.
Genomic Landscape
Telomere Length:
M116 exhibited extremely short telomeres (~8 kb), shorter than all healthy volunteers studied, with 40% of her telomeres below the 20th percentile.
This suggests telomere attrition acts more as a biological aging clock rather than a predictor of age-associated diseases in this context.
The short telomeres may have contributed to cancer resistance by limiting malignant cell replication.
Structural Variants (SVs):
Ten rare SVs identified via Optical Genome Mapping, including a large 3.3 Mb deletion on chromosome 4 and a 93.5 kb deletion on chromosome 17.
These SVs may play unknown roles but were not associated with detrimental gross chromosomal alterations.
Rare Genetic Variants:
Whole Genome Sequencing identified ~3.8 million SNVs; after filtering, 91,666 variants of interest (VOI) affecting 25,146 genes were analyzed.
Seven homozygous rare variants unique to M116 were found in genes linked to immune function, cognitive retention, longevity, pulmonary function, neuroprotection, and DNA repair (e.g., DSCAML1, MAP4K3, TSPYL4, NT5DC1, PCDHA cluster, TIMELESS).
Functional enrichment highlighted pathways involving:
Immune system regulation (e.g., T cell differentiation, response to pathogens, antigen receptor signaling)
Neuroprotection and brain health
Cardioprotection and heart development
Cholesterol metabolism and insulin signaling
Mitochondrial function and oxidative phosphorylation
Mitochondrial function assays showed robust mitochondrial membrane potential and superoxide ion levels in M116ās PBMCs, surpassing those in younger controls, indicating preserved mitochondrial health.
Burden Tests:
Identified genes with significantly higher rare variant load related to neuroprotection and longevity (e.g., EPHA2, MAL, CLU, HAPLN4).
No single gene or pathway explained longevity; rather, multiple pathways acted synergistically.
Blood Cellular and Molecular Characteristics
Clonal Hematopoiesis of Indeterminate Potential (CHIP):
M116 harbored CHIP-associated mutations: one in SF3B1 (RNA splicing factor) and two in TET2 (DNA demethylase) with variant allele frequency >2%.
Despite this, she did not develop malignancies or cardiovascular disease, suggesting CHIP presence does not necessarily translate to disease.
Single-cell RNA Sequencing (scRNA-seq) of PBMCs:
Identified a diverse immune cell repertoire including naive and memory B cells, NK cells, monocytes, and T cell subpopulations.
Notably, M116 exhibited an expanded population of age-associated B cells (ABCs), expressing markers SOX5 and FCRL2, a feature unique compared to other supercentenarians.
The T cell compartment was dominated by effector and memory cytotoxic T cells, consistent with prior observations in supercentenarians.
Metabolomic and Proteomic Profiles
Metabolomics (1H-NMR Analysis):
Compared with 6,022 Spanish individuals, M116ās plasma showed:
Extremely efficient lipid metabolism:
Very low VLDL-cholesterol and triglycerides
Very high HDL-cholesterol (āgood cholesterolā)
High numbers of medium and large HDL and LDL particles, indicating effective lipoprotein maturation.
Low levels of lipid biomarkers associated with poor health (saturated fatty acids, esterified cholesterol, linoleic acid, acetone).
High free cholesterol levels linked to good health and survival.
Low glycoproteins A and B, suggesting a low systemic inflammatory state (āanti-inflammagingā).
Cardiovascular risk-associated metabolites supported excellent cardiovascular health.
Some amino acid levels (glycine, histidine, valine, leucine) were low, and lactate and creatinine were high, consistent with very advanced chronological age and imminent mortality.
Proteomics of Extracellular Vesicles (ECVs):
Compared to younger post-menopausal women, 231 proteins were differentially expressed.
GO enrichment revealed eight functional clusters: coagulation, immune system, lipid metabolism, apoptosis, protein processing, detoxification, cellular adhesion, and mRNA regulation.
Proteomic signatures indicated:
Increased complement activation and B cell immunity
Enhanced lipid/cholesterol transport and lipoprotein remodeling
Elevated oxidative stress response and detoxification mechanisms
The most elevated protein was serum amyloid A-1 (SAA1), linked to Alzheimerās disease, yet M116 showed no neurodegeneration.
Gut Microbiome Composition
16S rDNA sequencing compared M116ās stool microbiome to 445 healthy controls (61-91 years old).
M116ās microbiome showed:
Higher alpha diversity (Shannon index 6.78 vs. 3.05 controls), indicating richer microbial diversity.
Distinct beta diversity, clearly separating her microbiome from controls.
Markedly elevated Actinobacteriota phylum, primarily due to Bifidobacteriaceae family and Bifidobacterium genus, which typically decline with age but are elevated in centenarians.
Bifidobacterium is associated with anti-inflammatory effects, production of short-chain fatty acids, and conjugated linoleic acid, linking to her efficient lipid metabolism.
Lower relative abundance of pro-inflammatory genera such as Clostridium and phyla Proteobacteria and Verrucomicrobiota, associated with frailty and inflammation in older adults.
Diet likely influenced microbiome composition; M116 consumed a Mediterranean diet and daily yogurts containing Streptococcus thermophilus and Lactobacillus delbrueckii, which promote Bifidobacterium growth.
Epigenetic and Biological Age Analysis
DNA Methylation Profiling (Infinium MethylationEPIC BeadChip):
Identified 69 CpG sites with differential methylation (Ī²-value difference >50%) compared to controls aged 21-78 years.
Majority (68%) showed hypomethylation, consistent with known aging-associated DNA methylation changes.
Differential CpGs were more often outside CpG islands and enriched in gene bodies or regulatory regions.
Hypomethylation correlated with altered expression of genes involved in:
Vascular stemness (EGFL7)
Body mass index regulation (ADCY3)
Macular degeneration (PLEKHA1)
Bone turnover (VASN)
Repetitive DNA Elements:
Unlike typical age-associated global hypomethylation, M116 retained hypermethylation in repetitive elements (LINE-1, ALU, ERV), suggesting preserved genomic stability.
Epigenetic Clocks:
Six different DNA methylation-based epigenetic clocks and an independent rDNA methylation clock (using Whole Genome Bisulfite Sequencing) consistently estimated M116ās biological age to be significantly younger than her chronological age (~117 years).
This indicates a decelerated epigenetic aging process in M116ās cells, which may contribute to her longevity.
Integration and Conclusions
Coexistence of Advanced Age Biomarkers and Healthy Aging Traits:
M116 simultaneously exhibited biological signatures indicative of very old age (short telomeres, CHIP mutations, aged B cell populations) and preserved healthy molecular and functional profiles (genetic variants protective against diseases, efficient lipid metabolism, anti-inflammatory gut microbiome, epigenome stability, robust mitochondrial function).
Decoupling of Aging and Disease:
These findings challenge the assumption that aging and disease are inseparably linked, showing that extreme longevity can occur with a healthy functional tissue environment despite advanced biological age markers.
Multidimensional and Multifactorial Basis of Longevity:
The supercentenarianās extended lifespan likely resulted from the synergistic effects of rare genetic variants, favorable epigenetic patterns, preserved mitochondrial and immune function, healthy metabolism, and a beneficial microbiome, rather than any single factor.
Potential Implications:
Understanding the interplay of these factors could open avenues for promoting healthy aging and preventing age-related diseases in the general population.
Timeline and Demographics of M116
Event Date / Age Notes
Birth March 4, 1907 San Francisco, USA
Moved to Spain 1915 (age 8) Following fatherās death
Lived in elderly residence 2001 - 2024 Olot, Catalonia, Spain
COVID-19 Infection Not specified Survived
Death August 19, 2024 (age 117y, 168d) While sleeping, no major neurodegeneration or cancer recorded
Summary Table of Key Molecular Features in M116
Feature Status in M116 Interpretation/Significance
Telomere length Extremely short (~8 kb) Aging clock marker; may limit cancer risk
Structural variants 10 rare SVs, including large deletions Unknown effect; no gross chromosomal abnormalities
Rare homozygous variants 7 unique variants in longevity/immune-related genes Suggest combined genetic contribution to longevity
CHIP mutations Present (SF3B1, TET2 mutations) No malignancy or cardiovascular disease
Mitochondrial function Robust membrane potential & superoxide levels Preserved energy metabolism
Immune cell composition Expanded ABCs, enriched cytotoxic T cells Unique immune profile linked to longevity
Lipid metabolism Very efficient (high HDL, low VLDL) Cardiovascular protection
Inflammation Low glycoproteins A & B levels Reduced inflammaging
Gut microbiome High Bifidobacterium abundance Anti-inflammatory, supports metabolism
DNA methylation Predominantly hypomethylated CpGs with preserved methylation in repeats Epigenetic stability and decelerated aging
Biological age (epigenetic clocks) Significantly younger than chronological age Indicative of healthy aging
Proteomic profile Upregulated immune and lipid metabolism proteins; elevated SAA1 Protective mechanisms with unexplained elevated SAA1
Keywords
Supercentenarian, Extreme Longevity, Multiomics, Telomere Attrition, Rare Genetic Variants, Clonal Hematopoiesis (CHIP), Immune Cell Profiling, Mitochondrial Function, Metabolomics, Proteomics, Gut Microbiome, DNA Methylation, Epigenetic Clock, Biological Age, Inflammaging, Lipid Metabolism
Conclusion
This landmark study of M116 provides the first extensive multiomics blueprint of extreme human lifespan, revealing that exceptional longevity arises from a balance of advanced biological aging markers coupled with preserved and enhanced molecular functions across multiple systems. The results underscore the importance of immune competence, metabolic health, epigenetic stability, and microbiome composition in sustaining health during extreme aging, offering valuable insights into the biological underpinnings of healthy human longevity.
Smart Summary
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hnaapmmu-5222
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xevyo
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Extreme Human Lifespan
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Extreme Human Lifespan
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The indexed individual, from now on termed M116, w The indexed individual, from now on termed M116, was the world's oldest verified living person from January 17th 2023 until her passing on August 19th 2024, reaching the age of 117 years and 168 days (https://www.supercentenarian.com/records.html). She was a Caucasian woman born on March 4th 1907 in San Francisco, USA, from Spanish parents and settled in Spain since she was 8. A timeline of her life events and her genealogical tree are shown in Supplementary Fig. 1a-b. Although centenarians are becoming more common in the demographics of human populations, the so-called supercentenarians (over 110 years old) are still a rarity. In Catalonia, the historic nation where M116 lived, the lifeexpectancy for women is 86 years, so she exceeded the average by more than 30 years (https://www.idescat.cat). In a similar manner to premature aging syndromes, such as Hutchinson-Gilford Progeria and Werner syndrome, which can provide relevant clues about the mechanisms of aging, the study of supercentenarians might also shed light on the pathways involved in lifespan. To unfold the biological properties exhibited by such a remarkable human being, we developed a comprehensive multiomics analysis of her genomic, transcriptomic, metabolomic, proteomic, microbiomic and epigenomic landscapes in different tissues, as depicted in Fig. 1a, comparing the results with those observed in non-supercentenarian populations. The picture that emerges from our study shows that extremely advanced age and poor health are not intrinsically linked and that both processes can be distinguished and dissected at the molecular level.
RESULTS AND DISCUSSION Samples from the subject were obtained from four different sources: total peripheral blood, saliva, urine and stool at different times. Most of the analyses were performed in the blood material at the time point of 116 years and 74 days, unless otherwise specifically indicated (Data set 1). The simple karyotype of the supercentenarian did not show any gross chromosomal alteration (Supplementary Fig. 1c). Since many reports indicate the involvement of telomeres in aging and lifespan1, we interrogated the telomere length of the M116 individual using High-Throughput Quantitative Fluorescence In Situ Hybridization (HT-Q-FISH) analysis2. Illustrative confocal images with DAPI staining and the telomeric probe (TTAGGG) for M116 and two control samples are shown in Fig. 1b. Strikingly, we observed that the supercentenarian exhibited the shortest mean telomere length among all healthy volunteers3 with a value of barely 8 kb (Fig. 1c). Even more noticeably, the M116 individual displayed a 40% of short telomeres below the 20th percentile of all the studied samples (Fig. 1c). Thus, the observed far reach longevity of our case occurred in the chromosomal context of extremely short telomeres. Interestingly, because the M116 individual presented an overall good health status, it is tempting to speculate that, in this ...
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Longevity Pay
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Longevity Pay and Hazardous Duty Pay
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Longevity Pay and Hazardous Duty Pay (Policy 03-40 Longevity Pay and Hazardous Duty Pay (Policy 03-406) is an official four-page compensation policy issued by Stephen F. Austin State University (SFA), originally effective September 1, 2023. It establishes the rules, eligibility conditions, payment schedules, and administrative procedures for two forms of supplemental pay: Longevity Pay for full-time non-academic employees, and Hazardous Duty Pay for commissioned law enforcement officers.
Purpose and Coverage
The policy applies to:
Full-time non-academic staff working 40 hours per week
Commissioned law enforcement officers employed by SFA
Faculty, part-time workers below 40 hours, charter school teachers, and other exempt groups are excluded.
1. Longevity Pay
Eligibility
Applies to full-time, non-academic employees (excluding those eligible for hazardous duty pay).
Employees must work 40 hours/week, or have combined appointments equaling 40 hours.
Prior Texas state serviceāincluding part-time, student work, faculty service, and legislative serviceāis credited once verified.
Longevity pay begins on the first day of the month after completing 2 years of state service (and each additional 2-year increment).
Cannot be prorated.
Payment Amount
Longevity pay is $20 per month for each 2 years of state service, with a maximum of $420 per month.
The policy provides a full incremental table, ranging from:
0ā2 years ā $0
2ā4 years ā $20
Continuing in 2-year increments up to
42+ years ā $420 maximum
Administrative Rules
Pay is included in regular payroll (no lump-sum checks).
A change affecting eligibility takes effect the next month, not mid-month.
Impacts federal withholding, retirement contributions, and insurance calculations.
Not included in lump-sum vacation payouts at terminationābut is included in vacation/sick payout calculations for deceased employeesā estates.
2. Hazardous Duty Pay (HDP)
Who Qualifies
Full-time commissioned law enforcement officers performing hazardous duties.
Eligibility and definitions follow Texas Government Code Ā§Ā§ 659.041ā047, 659.305.
Payment Amount
HDP is $10 per month for each year of hazardous-duty-eligible state service.
Begins after 12 months of service, starting the next month.
Continues at the same rate until the next full year is completed.
No statutory cap, except for certain Texas Department of Criminal Justice roles (not applicable here).
The provided example lists increments from:
1ā2 years ā $10
2ā3 years ā $20
Up to
5ā6 years ā $50
Special Transition Rules
An employee switching from non-hazardous to hazardous duty:
Retains prior longevity pay for past non-hazardous service
Earns no additional Longevity Pay while receiving HDP
Hazardous-duty time counts toward future state service calculations
An employee switching from hazardous duty to non-hazardous duty:
Stops receiving HDP immediately
Becomes eligible for Longevity Pay, including credit for previous hazardous duty years
Procedural and Payroll Notes
Both Longevity Pay and HDP are part of total compensation, not base salary.
Both affect:
Federal tax withholding
OASDI
Group insurance calculations
Retirement contribution levels
Neither type of pay is included in termination vacation payouts, but both are included in estate payouts after an employeeās death.
Overall Summary
This policy clearly defines how SFA compensates long-serving employees and those performing hazardous duties. It provides:
Transparent eligibility criteria
Exact monthly pay schedules
Rules for service verification, timing, transitions, and payroll treatment
It ensures consistent, compliant administration of supplemental compensation across the universityās workforce.
If youād like, I can also prepare:
š a shorter executive summary
š a side-by-side comparison with your other longevity pay documents
š a fully integrated meta-summary across all compensation/ longevity files
Just tell me!...
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This PDF is a scientific editorial from the journa This PDF is a scientific editorial from the journal Aging (2021) that explains how mTORC1, a central nutrient- and energy-sensing cellular pathway, plays a critical role not only in lifespan extension within a single species but also in determining natural longevity differences between mammalian species.
The authors, Gustavo Barja and Reinald Pamplona, summarize recent comparative research showing that long-lived species naturally maintain lower mTORC1 activity, suggesting that downregulated mTORC1 signaling is an evolutionary adaptation that contributes to slower aging and extended longevity.
š¶ 1. Background: The Aging Program & Effector Systems
The paper begins by reviewing the nuclear aging program (AP) and the network of aging effectors controlled by it.
These include:
mitochondrial ROS production
mitochondrial DNA repair
lipid composition of membranes
telomere shortening rates
metabolomic/lipidomic profiles
mTORC1 is also involved in longā¦
Long-lived species show:
low mitochondrial ROS at complex I
high mitochondrial DNA repair
lower unsaturated fatty acids in membranes
slower telomere shortening
mTORC1 is also involved in longā¦
These differences shape species-specific aging rates.
š¶ 2. What is mTORC1 and Why It Matters for Aging?
mTORC1 is a highly conserved cellular signaling hub that integrates information about:
nutrients
energy (ATP, glucose)
amino acids (especially arginine, leucine, methionine)
hormones
oxygen levels
mTORC1 is also involved in longā¦
mTORC1 regulates:
protein + lipid synthesis
mitochondrial function
autophagy
cell growth and proliferation
stress responses
Within species, lowering mTORC1 activity increases lifespan in yeast, worms, flies, and mammals, while increased mTORC1 accelerates aging.
š¶ 3. The New Study: First Cross-Species Analysis of mTORC1 and Longevity
The editorial highlights a new comparative study across eight mammalian species with lifespans ranging from 3.5 years (mouse) to 46 years (horse).
Using droplet digital PCR (ddPCR), Western blotting, and targeted metabolomics, the study measured:
mTORC1 gene expression
mTORC1 protein levels
concentrations of activators and inhibitors
mTORC1 is also involved in longā¦
š¶ 4. Key Findings: Long-Lived Species Naturally Suppress mTORC1
The study found that longer-living mammals consistently exhibit a molecular signature of low mTORC1 activity, including:
A) Activators ā (negatively correlated with longevity)
Long-lived species have low levels of:
mTOR
Raptor
Arginine
Methionine
SAM (S-adenosylmethionine)
Homocysteine
mTORC1 is also involved in longā¦
B) Inhibitors ā (positively correlated with longevity)
Long-lived species have higher levels of:
phosphorylated mTOR (mTORSer2448)
PRAS40
mTORC1 is also involved in longā¦
These patterns were independent of phylogeny, meaning they reflect functional longevity mechanisms, not ancestry.
š¶ 5. Interpretation: mTORC1 Is Part of an Evolutionary Longevity Strategy
The authors argue that:
Long-lived species have evolved permanent, natural repression of mTORC1 signaling.
This protects cells from accelerated aging, degenerative diseases, and metabolic stress.
mTORC1 works in coordination with other aging effectors as part of the Cell Aging Regulating System (CARS).
mTORC1 is also involved in longā¦
This places mTORC1 as a cross-species determinant of longevity, not just a within-species modulator.
š¶ 6. Overall Conclusion
The PDF concludes that maintaining low mTORC1 downstream activity during adult life is a conserved biological strategy that increases longevity both within and between mammalian species. This is the first study to show that natural variation in mTORC1 levels across species correlates directly with evolutionary differences in lifespan.
ā Perfect One-Sentence Summary
This editorial explains that long-lived mammalian species naturally suppress mTORC1 activityāthrough lower levels of its activators and higher levels of its inhibitorsārevealing mTORC1 as a fundamental, evolutionarily conserved determinant of species longevity....
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Longevity and Occupationa
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Longevity and Occupational Choice
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āLongevity and Occupational Choiceā is an economic āLongevity and Occupational Choiceā is an economic research paper that examines how increasing life expectancy changes the jobs people choose, the skills they invest in, and the way labor markets evolve over time. As people live longer and healthier lives, their working years expand, and this reshapes their incentives for education, training, job-switching, and saving.
The paper explains that longer lifespans increase the value of human capital investmentābecause people have more years to benefit from the skills they acquire. As a result, >individuals facing longer expected lives tend to choose occupations that:
>require more training,
>offer higher long-term returns, and
>involve cognitive skills rather than purely physical labor.
Longevity therefore shifts the workforce toward professions such as management, technology, medicine, and education, and away from physically demanding jobs like manual labor, which become harder to maintain in older age.
ā Main Ideas of the Paper
1. Longer Lives Increase the Incentive to Invest in Education
When people expect to liveāand workālonger, the payoff from acquiring skills increases. More years of working life allow individuals to recover the cost of education and training.
2. Occupational Choices Shift Toward High-Skilled Jobs
Because cognitive occupations remain productive even in later adulthood, they become more attractive when longevity rises.
Physically demanding jobs become less appealing because:
>productivity declines earlier
>health deterioration affects physical work more
>longer careers make physically taxing jobs harder to sustain
3. Longevity Magnifies Life-Cycle Differences Across Occupations
The paper explains that:
>Some occupations have steeper wage growth over time
>Some rely heavily on early-life training
>Some decline sharply in productivity with age
Longer life expectancy makes these differences more pronounced. For example, careers like medicine or engineering become more attractive because long careers justify large early investments in training.
4. Retirement Behavior Changes
Individuals in cognitive occupations tend to delay retirement, while those in physical occupations retire earlier. Rising longevity increases this gap, contributing to:
higher wage inequality
occupational segregation by age and skills
pressure on social insurance systems
5. Macroeconomic Effects
At the economy-wide level, the paper predicts that longevity will:
increase overall educational attainment
raise productivity
shift the occupational structure toward skilled labor
alter savings behavior and pension demands
reshape labor supply across age groups
These effects are important for governments planning retirement age reforms and for employers adapting to aging workforces.
ā Overall Meaning
The paper shows that longevity is not just a demographic factāit is an economic force that reshapes careers, education choices, retirement patterns, and the structure of the entire labor market. As people live longer, they invest more in skills, work differently, and choose jobs that allow productive aging. Understanding these dynamics is essential for designing education policies, retirement systems, and labor-market regulations in a world of rising life expectancy....
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Quantum Healthy Longevity
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Quantum Healthy Longevity
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Lancet Healthy Longevity article (Dec 2022) presen Lancet Healthy Longevity article (Dec 2022) presenting a bold global vision called the Quantum Healthy Longevity Innovation Mission. It outlines how humanity can achieve longer, healthier lives using advanced science, prevention-centered healthcare, environmental awareness, and transformative technologies.
The article begins by highlighting a paradox:
Although lifespans are increasing in many places, life expectancy is stagnating or falling in over 50 countries, including the UK and USA. This decline is driven by socioeconomic inequality, unhealthy lifestyles, chronic diseases, and the long-term effects of the COVID-19 pandemic. The UK population spends about 20% of life in poor health and shows massive gaps between rich and poor in healthy life expectancy. This is harming economic productivity and societal resilience.
Quantum Healthy Longevity for hā¦
š§ Core Idea: A New Health Model
The article argues that the traditional health-care modelāreactive, disease-focused, and expensiveāis no longer sustainable. Instead, the world urgently needs a proactive, prevention-focused system that strengthens population health, reduces preventable diseases, and builds economic resilience.
To achieve this, global leaders are developing the Quantum Healthy Longevity Innovation Mission, a platform designed to link science, technology, policy, and society to rapidly advance healthy longevity.
Quantum Healthy Longevity for hā¦
š¬ Scientific Foundations
The document explains that aging and age-related diseases are not inevitable. Advances in geroscience, biomolecular aging pathways, senescence, and inflammation show that multiple chronic conditions share common mechanismsāand these can be modified through emerging drugs and interventions.
Quantum Healthy Longevity for hā¦
It emphasizes:
Early intervention
Understanding life-course exposures
The role of environments (air, green spaces, stress)
Lifestyle and socioeconomic determinants
Quantum Healthy Longevity for hā¦
š What āQuantum Healthy Longevityā Means
The Quantum Healthy Longevity blueprint is a system-level mission that integrates:
1. The Exposome Approach
Understanding how lifetime exposures to air, food, stress, and environment shape chronic disease.
Quantum Healthy Longevity for hā¦
2. Cutting-Edge Technologies
Using AI, robotics, quantum computing, synthetic biology, and blockchain for breakthrough longevity innovations.
Quantum Healthy Longevity for hā¦
3. Brain Capital
Investing in brain health, emotional resilience, and cognitive abilities across the lifespan.
Quantum Healthy Longevity for hā¦
4. Intergenerational Engagement
Ensuring people of all ages participate in co-designing healthier communities.
Quantum Healthy Longevity for hā¦
5. Digital Empowerment
Universal access to tools, skills, and technologies that support healthier living.
Quantum Healthy Longevity for hā¦
6. Democratized Access & Inclusion
Making healthy longevity benefits equitable for all populations.
Quantum Healthy Longevity for hā¦
7. Compassion at the Core
Promoting a culture of care, connection, and community support.
Quantum Healthy Longevity for hā¦
šļø Longevity Cities & Connected Environments
The article introduces the concept of Longevity Citiesāurban spaces designed to support lifelong health using technology and smart infrastructure. A key idea is the Internet of Caring Things, where devices and systems actively ācareā for people by supporting physical, mental, and social wellbeing.
Quantum Healthy Longevity for hā¦
This includes:
Smart homes
Health monitoring devices
Community-centered design
Policy integration at city level
š§ AI-Driven Health Data & Trusted Environments
A central part of the mission is building Trusted Research Environments (TREs)āsecure platforms for sharing life-course health data ethically.
Quantum Healthy Longevity for hā¦
This ecosystem aims to:
Create the worldās largest biomarker database
Build an atlas of anti-aging interventions
Leverage multimodal AI for disease prediction and prevention
Link to global programs like āOur Future Healthā (5 million volunteers)
Quantum Healthy Longevity for hā¦
š Economic & Environmental Impact
The article argues that healthy longevity is essential for:
National economic productivity
Workforce resilience
Social stability
Environmental sustainability
Quantum Healthy Longevity for hā¦
It encourages adding Health into ESG investment frameworks (becoming ESHG), ensuring businesses play a role in improving population health.
Quantum Healthy Longevity for hā¦
š± The Final Message
The PDF ends with a call to action:
Now is the moment to be bold, accelerate change, and build a future in which people, the planet, and economies thrive together through healthy longevity....
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MENTAL STRESS DECREASES WITH OLDER AGE
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This PDF is a peer-reviewed scientific article pub This PDF is a peer-reviewed scientific article published in the International Journal of Endorsing Health Science Research (2014). The study investigates how mental stress varies across age and gender in Karachi, Pakistan, using a locally developed tool called the Sadaf Stress Scale (SSS). It is a cross-sectional analysis of 370 individuals aged 13ā50 from different educational and social backgrounds.
The central finding is clear and striking: mental stress significantly decreases with advancing age, with no stress detected in individuals aged 40 and above.
š¶ 1. Purpose of the Study
The research aims to:
Measure mental stress levels in Karachiās population
Identify how age and gender influence stress
Use the Sadaf Stress Scale (SSS) as an assessment instrument
Understand which groups are most vulnerable to stress
The study reflects growing recognition that mental health is essential to overall health, aligning with the WHOās statement: āThere can be no health without mental health.ā
š¶ 2. Methodology Overview
Study design: Cross-sectional
Sample size: 370 participants
Age range: 13ā50 years
Data collection: Random sampling from colleges, universities, and different areas of Karachi
Tool used: Sadaf Stress Scale (SSS)
Data analysis software: Excel 2007 and SPSS 20
MENTAL STRESS DECREASES WITH OLā¦
Stress levels were categorized as:
Normal
Mild
Moderate
Severe
š¶ 3. Key Findings
ā A) Stress decreases sharply with age
The data shows:
Age Group Mild Stress Moderate Severe Interpretation
20 and younger 16% 7% 3% High stress
20ā30 24% 1% 0% Highest stress of all groups
30ā40 5% 3% 5% Moderate stress
40+ 0% stress of any category ā ā No stress
MENTAL STRESS DECREASES WITH OLā¦
Conclusion:
Younger individualsāespecially those aged 20ā30āexperience the highest stress levels, likely due to:
academic pressure
new employment
lack of time for personal interests
limited engagement in physical or extracurricular activities
People over 40 reported zero stress, showing a strong age-related decline.
ā B) Gender differences in mental stress
Gender Mild Moderate Severe
Men 13.9% 1.7% 0%
Women 11.4% 4.3% 2.4%
Men showed slightly more mild stress, while women showed slightly more moderate and severe stress.
MENTAL STRESS DECREASES WITH OLā¦
ā C) Overall Stress Distribution
Across all 370 participants:
82.7% had normal stress
12.2% mild
3.0% moderate
2.2% severe
MENTAL STRESS DECREASES WITH OLā¦
Most of the population reported normal stress levels, but vulnerable groups were clearly identifiable.
š¶ 4. Discussion Insights
The paper situates mental stress within:
biological responses (hormonal and nervous system mediation)
environmental triggers (academic workload, climate, emotional factors)
socioeconomic status
lifestyle habits
MENTAL STRESS DECREASES WITH OLā¦
The authors reference classic stress theories (Selyeās General Adaptation Syndrome) and modern evidence showing that stress impacts:
memory
decision-making
cognitive function
MENTAL STRESS DECREASES WITH OLā¦
The study suggests:
younger adults face more acute stressors
older adults may have better coping mechanisms, more stability, or fewer external pressures
š¶ 5. Conclusion of the Study
The authors conclude:
Older age is associated with significantly lower mental stress.
The age group 20ā30 is at highest risk for stress-related problems.
Mental health awareness must be integrated into public health strategies.
Stress symptoms may overlap with other medical conditions, so professional assessment is essential.
MENTAL STRESS DECREASES WITH OLā¦
The paper calls for greater attention to mental health education, early detection, and support systems in Karachi.
ā Perfect One-Sentence Summary
This study shows that mental stress in Karachi decreases sharply with ageāpeaking among young adults and dropping to zero by age 40āhighlighting the strong influence of age and gender on stress patterns in the population....
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Mortality and Longevity
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Mortality and Longevity: a Risk Management
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āMortality and Longevity: A Risk Management Perspe āMortality and Longevity: A Risk Management Perspectiveā**
This PDF is a research chapter that examines mortality and longevity through the lens of risk management, particularly focusing on how insurance companies, pension funds, and governments measure, manage, and respond to the financial risks created by changing mortality patterns and increasing life expectancy. It combines demographic analysis, actuarial science, economics, and risk-transfer mechanisms to explain why longevity is one of the most significant financial risks of the 21st century.
The core message:
Falling mortality and rising longevity create large, long-term financial risksāand risk management tools are essential for sustainable pensions, insurance systems, and public finances.
š Purpose of the Chapter
The chapter aims to:
Explain mortality and longevity as quantitative risks
Explore causes of uncertainty in life expectancy predictions
Show how longevity affects pensions, annuities, and insurance
Discuss risk-transfer and hedging tools (e.g., longevity bonds, swaps)
Evaluate forecasting models and the limits of prediction
Provide a framework for managing longevity risk at institutional and national levels
It positions longevity risk as a major concern for aging societies.
š§ Core Themes and Key Insights
1. Mortality and Longevity Are Risk Events
Death rates change over time due to:
Medical breakthroughs
Public health interventions
Lifestyle improvements
Pandemics (e.g., COVID-19)
Environmental exposures
These shifts create uncertainty for insurers and pension managers who must make long-term commitments.
2. Longevity Risk: People Live Longer Than Expected
Longevity risk occurs when:
Actual survival rates exceed forecasts
People claim pensions and annuities for more years
Retirement systems face funding shortfalls
Even small reductions in mortality can create large financial liabilities.
3. Mortality Risk: People Die Earlier Than Expected
Mortality risk matters for:
Life insurance payouts
Health systems
National demographic planning
Pandemics, disasters, or rising chronic disease can shift mortality patterns abruptly.
4. Why Mortality Forecasts Are Uncertain
The chapter explains key sources of uncertainty:
Epidemiological surprises
Social and behavioral change
Medical innovation
Environmental shocks
Cohort effects
Structural breaks (e.g., opioid crisis, pandemics)
Because of these factors, mortality forecasting is probabilistic, not deterministic.
5. How Mortality Is Modeled
The PDF outlines major models used in actuarial science:
Stochastic mortality models (e.g., LeeāCarter)
Cohort-based models
Multi-factor mortality models
Survival curves and hazard rates
Stress-testing approaches
The chapter also discusses the strengths and weaknesses of each method.
6. Longevity Risk in Pensions and Annuities
The text describes how rising life expectancy affects:
Defined benefit pension plans
Public pension systems
Private annuity providers
Key issues include:
Underfunding
Mispricing
Increased liabilities
Long-term sustainability challenges
Longevity risk is especially critical where populations are aging rapidly.
7. Tools for Managing and Transferring Longevity Risk
The chapter examines modern financial tools designed to hedge risk:
A. Longevity swaps
Transfer longevity risk from pension funds to reinsurers.
B. Longevity bonds
Securities whose payments depend on survival rates of a population.
C. Reinsurance
Sharing mortality and longevity exposures with global reinsurers.
D. Capital-market instruments
Mortality-linked derivatives, q-forwards, etc.
The chapter explains pricing principles, benefits, and limitations.
8. Policy and Regulatory Implications
Governments face:
Rising pension costs
Uncertainty about retirement age policy
Challenges to social security systems
Need for improved health and long-term care planning
Better mortality forecasting is vital for:
Public finance planning
Social insurance design
Intergenerational equity
9. Pandemics and Mortality Risk
The PDF highlights pandemics (including COVID-19) as major mortality shocks:
They temporarily reverse longevity gains
They increase volatility in mortality models
They highlight the need for robust scenario-based risk management
ā Overall Summary
āMortality and Longevity: A Risk Management Perspectiveā provides a comprehensive framework for understanding mortality and longevity as financial risks. It explains why predicting life expectancy is uncertain, how longevity risk threatens pension and insurance systems, and what tools can be used to manage and transfer these risks. The chapter concludes that effective risk management is essential to ensure the long-term sustainability of retirement systems in aging societies....
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āOptimal Aging & Keys
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Optimal Aging & Keys to Longevity
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āOptimal Aging & Keys to Longevityā is a short āOptimal Aging & Keys to Longevityā is a short, practical guide written by Dr. Robert S. Tan, a geriatrician and gerontologist, summarizing the essential habits and biological factors that promote longer, healthier lives. Drawing on decades of clinical experience and conversations with centenarians, the document explains that while genetics play a role, lifestyle choicesāespecially diet, exercise, emotional well-being, and avoidance of harmful behaviorsāare the most powerful determinants of longevity.
The guide emphasizes small, moderate food intake, highlighting research showing that calorie restriction can extend lifespan. It warns against excessive salt, sugar, and processed foods, recommending fresh, antioxidant-rich foods such as fish, vegetables, green tea, almonds, olives, and red wine in moderation.
Dr. Tan stresses that exercise is one of the strongest anti-aging tools, capable of restoring declining hormones and maintaining muscle, strength, and bone density as people age.
He also notes that happiness, strong social connections, mental activity, and a purposeful life are all linked to living longer, likely due to beneficial hormonal and neurological effects.
The document identifies smoking as one of the most damaging behaviorsāshortening life, increasing disease risk, and even causing genetic harm passed to future generations. It concludes by acknowledging that genetics set limits on lifespan, but healthy habits from early in life allow individuals to reach their full biological potential....
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Future-Proofing the life
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Future-Proofing the Longevity
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This document is published by the World Economic F This document is published by the World Economic Forum as a contribution to a project, insight area or interaction. The findings, interpretations and conclusions expressed herein are the result of a collaborative process facilitated and endorsed by the World Economic Forum but whose results do not necessarily represent the views of the World Economic Forum, nor the entirety of its Members, Partners or other stakeholders. In this paper, many areas of innovation have been highlighted with the potential to support the longevity economy transition. The fact that a particular company or product is highlighted in this paper does not represent an endorsement or recommendation on behalf of the World
Haleh Nazeri Lead, Longevity Economy, World Economic Forum
Graham Pearce Senior Partner, Global Defined Benefit Segment Leader, Mercer
The world appears increasingly fragmented, but one universal reality connects us all ā ageing. Across the world, people are living longer than past generations, in some cases by up to 20 years. This longevity shift, coupled with declining birth rates, is reshaping economies, workforces and financial systems, with profound implications for individuals, businesses and governments alike.
As countries transform, the systems that underpin them must also evolve. Todayās reality includes a widening gap between healthspan and lifespan, the emergence of a multigenerational workforce with five generations working side by side, and the need for stronger intergenerational collaboration.
One of the most important topics to consider during this demographic transition is the economic implications of longer lives. This paper highlights five key trends that will influence and shape the financial resilience of institutions, governments
and individuals in the years ahead. It also showcases innovative solutions that are already being implemented by countries, businesses and organizations to prepare for the future.
While the challenges are significant, they also present an opportunity to develop systems that are more inclusive, equitable, resilient and sustainable for the long term. This is a chance to strengthen pension systems and social protections, not only for those who have traditionally benefited, but also for those who were left out of social contracts the first time.
We are grateful to our multistake holder consortium of leaders across business, the public sector, civil society and academia for their contributions, inputs and collaboration on this report. We look forward to seeing how others will continue to build on these innovative ideas to future-proof the longevity economy for a brighter and more ...
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xevyo
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Intermittent and periodic
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Intermittent and periodic fasting, longevity and d
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This article is a comprehensive scientific review This article is a comprehensive scientific review explaining how intermittent fasting (IF) and periodic fasting (PF) affect metabolism, cellular stress resistance, aging, and chronic disease risk. It synthesizes animal studies, human trials, and mechanistic biology to show that structured fasting is a powerful biological signal that recalibrates energy pathways, activates repair systems, and promotes long-term resilience.
š§ 1. What Fasting Does to the Body (Core Biological Mechanisms)
Switch from glucose to ketones
After several hours of fasting, the body shifts from glucose metabolism to fat-derived ketone bodies, allowing organsāespecially the braināto use energy more efficiently.
lifespan and longevity
Activation of cellular repair pathways
Fasting triggers:
Autophagy (cellular clean-up)
DNA repair
Stress-response proteins
These protect cells from oxidation, inflammation, and molecular damage.
lifespan and longevity
Reduced inflammation & oxidative stress
Inflammatory markers drop globally, enhancing resistance to many chronic diseases.
lifespan and longevity
šŖ 2. Intermittent Fasting (Shorter Fasts: Hoursā1 Day)
IF includes time-restricted feeding and alternate-day fasting.
Metabolic Effects
Improved insulin sensitivity
Lower glucose and insulin levels
Enhanced fat metabolism
lifespan and longevity
Neuronal Protection
IF protects neurons by:
Boosting neurotrophic factors
Enhancing mitochondrial efficiency
Improving synaptic function
lifespan and longevity
Chronic Disease Prevention
Regular IF reduces risk factors for:
Diabetes
Cardiovascular disease
Obesity
lifespan and longevity
š§¬ 3. Periodic Fasting (Longer Fasts: 2+ Days)
PF includes 2ā5 day fasting cycles or fasting-mimicking diets.
Deep Cellular Renewal
Extended fasting induces:
Regeneration of immune cells
Reduction of damaged cells
Reset of metabolic signals like IGF-1 and mTOR
lifespan and longevity
Longevity Effects
In animal studies, PF delays:
Aging
Cognitive decline
Inflammatory diseases
lifespan and longevity
PF produces benefits not achieved with IF alone.
ā¤ļø 4. Effects on Major Organs & Systems
Brain
Fasting enhances:
Stress resistance
Neuroplasticity
Cognitive performance
lifespan and longevity
Cardiovascular System
Effects include:
Lower resting blood pressure
Reduced cholesterol & triglycerides
Reduced heart disease risk
lifespan and longevity
Immune System
PF cycles can:
Reduce autoimmune responses
Enhance immune regeneration
lifespan and longevity
Metabolism
Both IF and PF improve:
Fat oxidation
Glucose control
Mitochondrial performance
lifespan and longevity
š§Ŗ 5. Animal and Human Evidence
Animal Studies
Across multiple species, fasting:
Extends lifespan
Delays age-related diseases
Enhances resilience to toxins & stress
lifespan and longevity
Human Studies
Observed effects include:
Reduced inflammation
Weight loss
Better metabolic health
Improved cardiovascular markers
lifespan and longevity
Clinical trials also show benefits during:
Obesity treatment
Chemotherapy support
Autoimmune conditions
lifespan and longevity
šÆ 6. Why Fasting Promotes Longevity
The paper emphasizes a unified principle:
ā Fasting temporarily stresses the body ā the body adapts ā long-term resilience and repair improve
These adaptive processes:
Protect cells
Delay aging
Reduce disease susceptibility
lifespan and longevity
This āmetabolic switching + cellular repair" framework is central to its longevity effects.
ā ļø 7. Risks, Considerations, & Who Should Not Fast
Although the article focuses on benefits, it also notes that fasting must be medically supervised for:
Frail individuals
People with chronic diseases
Underweight individuals
Pregnant or breastfeeding women
lifespan and longevity
š PERFECT ONE-SENTENCE SUMMARY
Intermittent and periodic fasting activate powerful metabolic and cellular repair processes that enhance stress resistance, improve multiple biomarkers of health, and can extend longevity while reducing the risk of many chronic diseases....
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Should longevity swaps
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Should longevity swaps
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This IFRS Interpretations Committee staff paper ex This IFRS Interpretations Committee staff paper examines how longevity swapsācontracts that transfer the risk of pension members living longer than expectedāshould be accounted for within defined benefit pension plans under IAS 19 Employee Benefits. Longevity swaps require the pension plan to make fixed payments while receiving variable payments linked to actual benefit payments to retirees.
The central question is whether these swaps should be:
Measured at fair value as plan assets (View 1), or
Split into a variable āinsurance-likeā leg and a fixed āpremiumā leg (View 2), with each measured differently.
View 1: Measure as Plan Assets at Fair Value
Supporters of View 1 argue that the swap is a single derivative contract and should follow the standard IAS 19 treatment of plan assets. They point to IAS 19 paragraphs 8 and 113, and IFRS 13, which require fair value measurement. Paragraph 142 also lists longevity swaps as examples of derivatives that can form part of plan assets. Under this view, the swap is initially recorded at zero (as swaps are usually entered at market value) and remeasured at fair value each period, with changes recorded in other comprehensive income.
View 2: Split the Swap Into Two Legs
Supporters of View 2 argue the swap functions like buying a qualifying insurance policyāexcept the premium is paid over time. They propose splitting it into:
Variable leg (treated like a qualifying insurance policy under IAS 19.115), measured as the present value of the matching obligations.
Fixed leg (representing premiums), treated either as part of plan assets at fair value or as a financial liability measured at amortized cost.
They also debate how to treat the difference between the variable and fixed legs at inceptionāeither as a profit/loss or as part of remeasurements in OCI.
Findings from Global Outreach
The IFRS staff surveyed standard-setters, regulators, accounting firms, and pension specialists across multiple jurisdictions. They found that:
Longevity swaps are not yet widespread, though more common in the UK.
In jurisdictions where they occur, View 1 is the overwhelmingly predominant practice.
There is minimal diversity in accounting treatment.
Several respondents questioned whether longevity swaps could qualify as insurance contracts (suggesting View 2 lacked a strong basis).
Committee Recommendation
Because longevity swaps are uncommon and existing practice already aligns closely with fair value measurement under IAS 19 and IFRS 13, the Committee concluded that no new interpretation is needed. The issue was not added to the IFRIC agenda, as current guidance is considered sufficient to prevent diversity in practice.
If you want, I can also provide:
ā
A short 3ā4 line summary
ā
A student-friendly simplified version
ā
MCQs or quiz questions from this file
Just tell me!...
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signs of life guidance
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signs of life guidance
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āSigns of Life Guidance ā Visual Summary (v1.2)ā i āSigns of Life Guidance ā Visual Summary (v1.2)ā is a clear, compassionate, UK-wide clinical guideline that explains how to determine and document signs of life following spontaneous birth before 24+0 weeks, in situations whereāafter careful discussion with the parentsāactive survival-focused neonatal care is not appropriate. The guidance ensures consistent, respectful, and trauma-minimizing care for both babies and parents during extremely preterm births.
Purpose of the Guidance
To help clinicians:
Recognize genuine signs of life
Communicate sensitively with parents
Provide appropriate comfort and palliative care
Ensure correct legal documentation of birth and death
Deliver consistent bereavement support across the UK
Determining Signs of Life
A baby is classified as liveborn if any of the following visible, persistent signs are present:
clearly visible heartbeat
visible cord pulsation
breathing, crying, or sustained gasps
definite limb movement
The guidance emphasizes:
Fleeting reflexes (brief gasps, twitches, or chest wall pulsations in the first minute) do not count as signs of life.
Parentsā own observations should be respectfully included.
A stethoscope is not required.
After Live Birth
A doctor (usually the obstetrician) should confirm and document signs of life to avoid legal complications with the death certificate.
A doctor may rely on a midwifeās documented observations.
The baby receives perinatal palliative comfort care, and the familyās emotional and physical needs are actively supported.
Communication With Parents
Sensitive communication is emphasized to reduce trauma:
Parents are prepared that babies born before 24 weeks often do not survive.
Parents are informed that reflex movements do not necessarily indicate life.
Language preferences must be respectedāsome parents prefer āloss of baby,ā others prefer āend of pregnancyā or āmiscarriage.ā
Bereavement Care (All Births)
All families should receive:
A parent-led bereavement plan
Privacy, choices, and time with their baby
Memory-making opportunities
Information on burial/cremation/sensitive disposal
Referral to support services and community care
Guidelines reference the National Bereavement Care Pathway for consistent care across the UK.
Documentation Requirements
Depends on region and whether signs of life were witnessed:
Before 24+0 weeks: No legal requirement for birth registration; offer a sensitive ācertificate of lossā or ācertificate of birth.ā
If liveborn and later dies: A neonatal death certificate must be issued by a doctor who witnessed signs of life.
If no doctor witnessed it, the case must be referred to the coroner in England/Wales/NI.
Scope of the Guidance
Included:
Spontaneous in-hospital births <22+0 weeks
Spontaneous births at 22+0 to 23+6 weeks when survival-focused care is not appropriate
Pre-hospital births <22+0 weeks (same principles)
Excluded:
>Medical terminations
>Uncertain gestational age
>Births at 22ā23+6 weeks where active neonatal care is planned or considered...
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Longevity and Patience
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Longevity and Patience
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This PDF is a research-focused philosophical and b This PDF is a research-focused philosophical and behavioral economics article that explores how human time preferencesāespecially patience, delayed gratification, and long-term thinkingāchange as people live longer. The paper argues that increasing human longevity fundamentally alters how individuals value the future, make decisions, and plan their lives. It combines ideas from economics, psychology, philosophy, and life-course theory to explain why longer lives create greater incentives for patience, investment, and future-oriented behavior.
The core message:
As lifespan increases, people become more future-focused: they save more, invest more, learn more, take better care of their health, and design longer, more complex life plans. Longer lives naturally produce more patience.
š§ 1. Purpose of the Paper
The document investigates:
How rising life expectancy affects patience
How individuals value future rewards vs. present rewards
What longer lives mean for behavior, choices, and well-being
How public policy should adapt to longer time horizons
It reframes longevity not as an end-of-life concern, but as a psychological and economic force shaping every stage of life.
Longevity and Patience
ā³ 2. The Link Between Longevity and Patience
The paper argues that individuals with longer expected lifespans:
Have more future years to benefit from long-term investments
Are more willing to delay gratification
Display greater self-control
Are more likely to invest in education, careers, relationships, and health
Are less impulsive because the future matters more
This connection is grounded in classic economic models of time discounting:
If you expect a longer future, you discount future rewards less.
Longevity and Patience
š§® 3. Economic Theory of Time Preference
The document draws on economic concepts such as:
Exponential and hyperbolic discounting
Intertemporal choice models
Life-cycle consumption theory
Rational planning vs. short-term bias
It explains that longer lives increase the value of delayed returns, making patience a rational response.
Longevity and Patience
š 4. The Multi-Stage Life and Its Impacts
Longer lives lead to new life patterns:
āļø More time for education
People invest earlier to benefit longer.
āļø Longer careers with multiple transitions
Mid-life reskilling becomes valuable because individuals have decades left to use new skills.
āļø Greater saving and investment
Longer retirements require more financial planning.
āļø Health maintenance becomes more important
The payoff of healthy habits becomes much larger across a longer lifespan.
āļø Long-term relationships and family planning shift
Longer life opens new possibilities for family structure, caregiving, and social bonds.
Longevity and Patience
š§¬ 5. Psychological Dimensions of Patience
The paper highlights that patience is shaped by:
Life expectancy perceptions
Self-control
Long-term optimism
Cultural expectations
Stability and security
People who foresee a long future behave differently than those who expect shorter lives. Longevity creates a future-oriented mindset, encouraging deferred rewards and sustained effort.
Longevity and Patience
š 6. Broader Social and Policy Implications
The document argues that longevity requires rethinking key systems:
ā Education
Funding for lifelong learning and adult education.
ā Work
Flexible, multi-stage careers and mid-life retraining.
ā Health
Shift from treatment to long-term prevention.
ā Finance
New retirement models, savings tools, and social insurance designs.
ā Social norms
New expectations around age, productivity, and personal development.
Longevity and Patience
Governments should support structures that reward long-term behaviors across all ages.
š§© 7. Key Concept: Life-Time Returns Increase with Longevity
A central insight of the paper is:
The value of investing in the future increases as the future expands.
Longer life ā bigger payoff from patience ā more incentive to behave patiently.
Examples:
Education pays back over more years
Healthy lifestyle protects more decades
Savings compound for longer
Relationships and skills gain more value
Longevity and Patience
ā Overall Summary
āLongevity and Patienceā is a rigorous analytical paper demonstrating that longer lifespans fundamentally change human behavior. Increased longevity makes people more future-oriented, increases the value of patient decision-making, and reshapes how individuals plan their education, work, health, and finances. The paper argues that societies must update institutions to support this new ālong-life mindset,ā where patience becomes a core asset and a powerful driver of prosperity and well-being...
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xevyo
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LIFE EXPECTANCY AND HUMAN
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LIFE EXPECTANCY AND HUMAN CAPITAL INVESTMENTS
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This PDF is a theoretical and economic analysis th This PDF is a theoretical and economic analysis that examines how life expectancy influences human capital investmentāparticularly education, skill acquisition, and long-term personal development. The central purpose of the paper is to explain why people invest more in education and training when they expect to live longer, and how improvements in survival rates reshape economic behavior, societal development, and intergenerational outcomes.
The core message:
Longer life expectancy increases the returns to human capital, incentivizes individuals to acquire more education and skills, and plays a crucial role in shaping economic growth and income distribution.
š 1. Purpose and Motivation
The paper addresses key questions:
Why do individuals invest more in education when life expectancy rises?
How does increased longevity affect economic growth?
How do survival improvements change intergenerational human capital transmission?
What are the broader implications for inequality and development?
It links demography with economics, showing that human capital decisions depend heavily on expected lifespan.
LIFE EXPECTANCY AND HUMAN CAPITā¦
š§ 2. Core Theoretical Insight
Human capital investmentālike education or trainingāhas upfront costs but produces returns over time.
If people expect to live longer:
They enjoy returns for more years
They have more incentive to invest
They delay retirement
They allocate more time to schooling in youth
They acquire training even in mid-life
Thus, longer life expectancy raises the value of human capital.
LIFE EXPECTANCY AND HUMAN CAPITā¦
š¶ 3. The Overlapping Generations Framework
The paper uses an OLG (Overlapping Generations) model, where:
Parents invest in children
Children become productive adults
Longer life expectancy changes optimal investments
Key mechanisms:
ā Higher expected lifespan ā higher returns on education
Parents allocate more resources toward schooling.
ā Children attend school longer
Their lifetime earnings potential increases.
ā Economy accumulates more knowledge
Driving long-run growth.
LIFE EXPECTANCY AND HUMAN CAPITā¦
š 4. Empirical and Theoretical Implications
ā More schooling
Increased life expectancy correlates with more years of formal education.
ā Higher productivity
A more educated workforce boosts national growth.
ā Lower fertility
Parents invest more per child as education becomes more valuable.
ā Intergenerational impact
Educated parents pass on higher human capital to children.
ā Economic development pathway
Longevity is a key driver in the transition from low- to high-income economies.
LIFE EXPECTANCY AND HUMAN CAPITā¦
ā ļø 5. Inequality and Distributional Effects
The document also examines how life expectancy interacts with economic inequality:
Higher-income families invest more in children, widening gaps.
Unequal improvements in survival can reinforce inequality.
Policy interventions may be required to equalize educational opportunity.
The overall conclusion:
Longevity-driven human capital growth can either reduce or increase inequality depending on policy design.
LIFE EXPECTANCY AND HUMAN CAPITā¦
š§© 6. Policy Implications
ā Support for early-life education
Because returns amplify over longer lifespans.
ā Investments in public health
Better health ā higher life expectancy ā higher human capital.
ā Incentives for lifelong learning
Especially in aging societies.
ā Reduce barriers to education
To avoid inequality expansion.
LIFE EXPECTANCY AND HUMAN CAPITā¦
ā Overall Summary
This PDF explains that life expectancy is a powerful determinant of human capital investment. Longer lives increase the payoff from education, encourage skill acquisition, and promote economic growth through a more productive workforce. However, if survival and educational opportunities are unevenly distributed, inequality may rise. The paper provides a strong theoretical foundation for understanding why healthier, longer-living societies tend to be more educated and more economically advanced....
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The longevity society
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The longevity society
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This PDF is a scholarly Health Policy paper that p This PDF is a scholarly Health Policy paper that presents a powerful argument for shifting global thinking from an āageing societyā to a ālongevity society.ā Written by Professor Andrew J. Scott, it explains that humanity is entering a new demographic stage where people are not just living longer but are gaining more years of life at every age, which fundamentally transforms work, education, healthcare, social norms, and intergenerational relationships.
The core message:
We must stop viewing population ageing as a burden and instead redesign society to fully benefit from longer, healthier lives ā focusing on prevention, healthy ageing, life-course investment, and new social structures that support longer futures.
š 1. Ageing Society vs. Longevity Society
Ageing Society
Focuses on population structure
More older people, fewer younger people
Leads to concerns about dependency ratios, pensions, and healthcare burden
Longevity Society
Focuses on how we age, not just how many old people exist
Views longer life as an opportunity
Requires new norms, new policies, new life designs
Emphasizes healthy ageing, not just ageing
The shift is necessary because life expectancy gains now occur mainly at older ages, making longevity a transformative force in modern life.
Longevity society
š 2. The Demographic Transformation
Using France as an example:
In 1900, only 35% of newborns lived to 65
In 2018, 88% survived to 65
The modal age of death increased from infancy (early 1900s) to 89 years (today)
Globally:
Population aged 65+ will rise from 9.3% in 2020 to 22.6% in 2100
This reflects an unprecedented demographic and epidemiological transition.
Longevity society
š§ 3. Why a Longevity Society Matters
Longevity brings:
āļø Positive outcomes
More healthy years of life
Later onset of disease
Higher employment of older adults
More time for education, relationships, purpose, contribution
Opportunity to redesign life for a longer future
ā But also risks
More years lived with illness
Rising healthcare and pension costs
Inequalities in ageing
Increased chronic disease burden
Social tensions between generations
Ageism and outdated norms
Scott argues that understanding both sides is essential for effective policy.
Longevity society
š¤ 4. Individual Implications of Longer Lives
A longevity society profoundly changes the individual life course:
A. More Future Time
People must prepare for longer futures:
Invest more in education
Build long-term careers
Save more financially
Maintain health earlier and more intentionally
B. Age Malleability
Age is no longer fixed ā how we age can be changed.
Healthy habits, environment, and prevention matter more than ever.
C. Multi-stage Life
The traditional 3-stage model (education ā work ā retirement) no longer fits.
Future lives will include:
Multiple careers
Lifelong learning
Periods of rest, reskilling, care, entrepreneurship
Flexible transitions
D. Greater Individual Responsibility
Because norms are changing, individuals must experiment with new life designs and prepare for long-term paths.
Longevity society
š„ 5. Health Sector Implications
To support a longevity society, healthcare must undergo major transformation.
A. From Intervention to Prevention
Only 2.8% of health spending goes to prevention ā this must dramatically increase.
B. Reduce Comorbidities
Healthy life expectancy must be improved by:
Slowing accumulation of chronic diseases
Reducing inequality
Providing early-life and midlife interventions
C. Build Longevity Councils
Governments need cross-departmental coordination to address:
Housing
Transport
Education
Environment
Social policy
D. Invest in Geroscience
The paper calls for major research investment into:
Biology of ageing
Senolytics
Age-delaying therapies
Biomarkers of biological age
Longevity society
š 6. Social Implications
A. Replace Chronological Age with Biological Age
Chronological age is outdated and ignores:
Health differences
Age diversity
Malleability of ageing
Biological age metrics are needed for better policy.
B. Fight Ageism
Ageism blocks opportunities for older adults and harms intergenerational harmony.
C. Rethink Intergenerational Relations
Younger generations now have a high chance of becoming old themselves.
Policies must:
Support the young (who will be the future old)
Avoid favoring current older populations unfairly
Encourage intergenerational mixing
D. New Social Norms
As longevity rises, society must rethink:
Education timelines
Marriage and fertility patterns
Work-life balance
Retirement timing
The 21st century will create new social stages of life just as the 20th century created āteenageā and āretirement.ā
Longevity society
š§© 7. The Paperās Key Conclusion
A longevity society requires:
A new social contract
A prevention-focused health system
Lifelong learning
Anti-ageism policies
Support for multi-stage careers
Cross-government coordination
Redesigning institutions for long life
Embracing the opportunity of extra years
Humanity is entering a new era where the goal is not just to live longer ā but to live better, healthier, more productive, and more meaningful long lives....
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Productive Longevity
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Productive Longevity data
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āProductive Longevity: What Can the World Bank Do āProductive Longevity: What Can the World Bank Do to Foster Longer and More Productive Working Lives?ā is a comprehensive World Bank report that examines how countriesāespecially low- and middle-income countries (L/MICs)ācan adapt to rapidly aging populations by enabling older adults to remain productive, healthy, and economically active for longer.
The report explains that as fertility declines and life expectancy rises, countries face increasing fiscal pressure from pensions, health care, and long-term care. To counter these challenges, governments must find ways to extend productive working lives and boost the productivity of people aged 55+, both as employees and entrepreneurs.
It outlines why productive longevity matters: older workers represent a large and growing labor resource, and evidence shows that engaging older adults does not reduce opportunities for younger workers. Instead, healthy and active aging can support economic growth, reduce dependency ratios, and strengthen pension sustainability.
Using a structured framework, the report identifies key constraintsāon the supply side (e.g., early retirement rules, limited training, poor health), the demand side (e.g., ageism, seniority-based wages, lack of employer investment), and job matching (e.g., services not tailored to older workers). It then shows what policy tools can address these barriers: pension and labor regulatory reforms, lifelong learning systems, flexible work arrangements, age-inclusive workplaces, investments in health, improved childcare and eldercare services, entrepreneurship support for older adults, and targeted employment services.
The report highlights major gaps in evidenceāespecially in L/MICsāand calls for stronger diagnostics, new data systems, and pilot programs to understand what truly works. It also reviews current World Bank activities and suggests how the Bank can mainstream an āaging lensā across sectors such as social protection, labor markets, health, education, agriculture, and technology.
Overall, the document argues that productive longevity is essential for sustaining growth and well-being in an aging world, and that the World Bank can play a central role by supporting countries to build policies and systems that help people stay healthy, skilled, and economically active throughout their lives....
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Longevity Risk
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Longevity Risk
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The document is a formal technical comment letter The document is a formal technical comment letter submitted by the American Academy of Actuariesā C-2 Longevity Risk Work Group to the NAIC Longevity Risk (A/E) Subgroup on December 21, 2021. It provides actuarial analysis and recommendations regarding the treatment of longevity reinsurance within NAICās developing capital and reserving frameworkāspecifically as it relates to the proposed VM-22 principle-based reserving (PBR) requirements for fixed annuities.
Purpose of the Letter
The Academy responds to NAICās request for input on how longevity reinsurance contracts should be incorporated into:
C-2 Longevity capital requirements
VM-22 reserve calculations
The broader Life Risk-Based Capital (LRBC) framework
The objective is to ensure consistent, risk-appropriate treatment of longevity reinsurance as its market expands.
Key Points and Insights
1. Longevity reinsurance now explicitly falls within VM-22ās scope
The draft VM-22 includes longevity reinsurance in its product definition, meaning:
The reinsurer assumes longevity risk linked to periodic annuity payments.
Premiums from direct writers are spread over time.
Contracts may use net settlement (one-way periodic payments).
This inclusion enables a straightforward approach for capital calculations.
2. Reserve aggregation under VM-22 may simplify capital treatment
The Academy notes that aggregating longevity reinsurance with other annuity products:
Allows the existing C-2 capital factors to remain applicable.
May produce counterintuitive but appropriate resultsāe.g., longevity reinsurance can reduce total reserves if future premiums exceed benefit obligations.
A numerical illustration in the letter shows how aggregation can lower the combined reserve relative to stand-alone immediate annuity reserves.
3. Calibrating a new factor for reinsurance is currently not possible
The Academy explains that:
The 2018 field study, which calibrated current C-2 Longevity factors, lacked enough longevity reinsurance data.
Therefore, no reinsurance-specific factor can be developed yet.
It is reasonable to assume reinsurance longevity risk is similar to that of the underlying annuity liabilities.
4. Capital treatment for pre-2024 reinsurance contracts remains unresolved
Because VM-22 applies only to contracts issued after January 1, 2024, existing longevity reinsurance treaties could require:
Different reserving methods
A revised capital approach
This issue affects fewer companies but still requires regulatory attention.
5. Two possible future capital approaches are outlined
If VM-22 aggregation is not adopted (or if pre-2024 treaties use different reserving rules), NAIC may consider:
A) Keep the current C-2 factor applied to the present value of benefits.
Simple and consistent with existing RBC practice
But may conflict with Total Asset Requirement (TAR) principles
B) Develop an adjusted capital factor for longevity reinsurance.
More precise but complex
Hard to calibrate consistently across different treaty structures
6. Longevity reinsurance differs from life insurance in ways relevant to capital design
Key distinctions include:
Longevity reinsurance premiums are contractual obligations, often collateralized.
Under a longevity āshock,ā premiums continue whereas in life insurance, a death event ends the need to pay premiums.
These differences may justify including gross premiums in reserves or capital calculations.
7. Ceded longevity risk must also be properly recognized
The letter recommends clarifying RBC rules so that:
Longevity risk transferred via reinsurance
Is reflected in the C-2 calculation
Similar to existing adjustments for modified coinsurance (Modco) reserves
Overall Purpose and Contribution
The letter provides actuarial expertise to help NAIC:
Integrate longevity reinsurance into the C-2 Longevity capital framework
Align reserves and capital with the economic reality of longevity risk transfer
Maintain consistency across new and legacy contracts
Avoid regulatory gaps as the longevity reinsurance market grows
The Academy expresses strong support for VM-22ās direction and offers to continue collaborating as NAIC finalizes its approach.
If you'd like, I can create:
š a simplified one-page summary
š a presentation-style briefing
š a comparison of all longevity-risk documents you provided
š an integrated cross-document meta-summary
Just tell me!
Sources...
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Intelligence Predicts
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Intelligence Predicts Health and Longevity
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This article explores a major and surprising findi This article explores a major and surprising finding in epidemiology: intelligence measured in childhood strongly predicts health outcomes and longevity decades later, even after accounting for socioeconomic status (SES). Children with higher IQ scores tend to live longer, experience fewer major diseases, adopt healthier behaviors, and manage chronic conditions more effectively as adults.
The paper reviews evidence from landmark population studiesāespecially the Scottish Mental Survey of 1932 (SMS1932) and its long-term follow-upsāand investigates why intelligence is so strongly linked to health.
š Key Evidence
1. Childhood IQ robustly predicts adult mortality and morbidity
Across large epidemiological datasets:
Every additional IQ point reduced risk of death in Australian veterans by 1%.
Lower childhood IQ was associated with significantly higher rates of:
cardiovascular disease
lung cancer
stomach cancer
accidents (especially motor vehicle deaths)
A 15-point lower IQ (1 SD) at age 11 reduced the chance of living to age 76 to 79%, with stronger effects in women.
2. These results persist after adjusting for SES
Even after controlling for:
adult social class
income
occupational status
area deprivation
ā¦the IQāhealth link remains strong, implying intelligence explains more than just social privilege.
3. IQ influences health behaviors
The paper shows that intelligence predicts:
better nutrition and fitness
lower obesity
lower rates of heavy drinking
not starting smoking in early 20th century Scotland (when risks were unknown),
but higher intelligence strongly predicted quitting once health risks became known.
š§ Why Might Intelligence Predict Longevity?
The authors outline four possible explanatory mechanisms:
(A) IQ as an āarchaeological recordā of early health
Childhood intelligence may reflect prenatal and early-life biological integrity, which also influences adult disease risk.
(B) IQ as an indicator of overall bodily integrity
Better oxidative stress defenses, healthier physiology, or more robust biological systems might underlie both higher IQ and longer life.
(C) IQ as a tool for effective health self-care (the articleās main focus)
Health management is cognitively demanding. People must:
interpret information
navigate complex instructions
monitor symptoms
adhere to treatments
Higher intelligence improves reasoning, judgment, learning, and the ability to handle the complexity of modern medical regimens.
The paper cites striking evidence:
26% of hospital patients could not read an appointment slip
42% could not interpret instructions such as taking medicine on an empty stomach
People with low health literacy have:
more illnesses
worse disease control
higher hospitalization rates
higher overall mortality
(D) IQ shapes life choices and environments
Higher intelligence tends to lead to:
safer occupations
healthier environments
better access to information
lower exposure to hazards
š Core Insight
The strongest conclusion is that intelligence itself is a significant independent factor in health and survival, not just a by-product of socioeconomic status. Cognitive ability helps individuals perform the ājobā of managing their healthāavoiding risks, understanding medical guidance, solving daily health-related problems, and adhering to treatments.
š Conclusion
The article argues that public health strategies must consider differences in cognitive ability. Many aspects of medical self-care cannot be simplified without losing effectiveness, so healthcare systems need to better support people who struggle with complex health tasks. Understanding the role of intelligence may help reduce medical non-adherence, chronic disease complications, and health inequalities....
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The rise in the number
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The rise in the number longevity data
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This research article examines an important parado This research article examines an important paradox in modern public health: as medical treatments improve and more people survive serious diseases, overall life expectancy may increase more slowly. The paper focuses on Sweden (1994ā2016) and studies five major diseasesāmyocardial infarction, stroke, hip fracture, colon cancer, and breast cancerāto understand how survival improvements and rising disease prevalence interact to shape national life expectancy.
Using complete Swedish population-register data, the authors show that medical advances have significantly improved survival after major diseases. However, because these survivors still have higher long-term mortality than people who never had the disease, the growing number of long-term survivors can partly offset the gains in national life expectancy.
This phenomenon is described as a possible āfailure of successā: the success of better treatments creates a larger population living with chronic after-effects, which slows overall mortality improvement.
ā MAIN FINDINGS
ā 1. Survival Improved DramaticallyāEspecially for Heart Attacks & Stroke
From 1994 to 2016:
Survival after myocardial infarction and stroke improved the most.
These two diseases produced the largest contributions to increased life expectancy.
Most gains came from improved short-term survival (first 3 years after diagnosis).
The rise in the number
Hip fractures, colon cancer, and breast cancer contributed much less to life expectancy growth.
ā 2. BUTā¦ More People Than Ever Are Living With Disease Histories
Because fewer patients die immediately after diagnosis:
āDistant casesā (long-term survivors) increased sharply across all diseases.
The proportion of disease-free older adults decreased.
Survivors carry higher mortality risks for the rest of their lives.
This means the composition of the older population has shifted toward people with chronic disease histories who live longerābut still die sooner than people who never had the disease.
ā 3. Growing Disease Prevalence Slows Life Expectancy Gains
Even though survival is better, the higher number of survivors creates a population with:
more chronic illness
more long-term complications
higher late-life mortality
For several diseases, this negatively affected national life expectancy trends:
For stroke, improved survival was almost completely cancelled out by rising prevalence of long-term survivors.
For breast cancer, the benefit of improved survival was nearly halved by the increasing number of survivors.
Colon cancer and hip fracture survivors also contributed small negative effects.
The rise in the number
ā 4. Myocardial Infarction Is the Main Driver of Life Expectancy Growth
For men:
Improved survival after heart attacks contributed 1.61 years to the national life expectancy gain (ā49%).
For women:
It contributed 0.93 years (ā48%).
The rise in the number
This made heart-attack treatment improvements the single largest contributor to Swedenās longevity gains during the study period.
ā 5. The Key Mechanism
The study shows national life expectancy changes depend on two forces:
A. Improved survival after disease ā increases life expectancy
B. Growing number of long-term survivors with higher mortality ā slows life expectancy
When (B) becomes large enough, it reduces the effect of (A).
ā OVERALL CONCLUSION
The article concludes that:
Medical progress has greatly improved survival after major diseases.
But because survivors remain at higher mortality risk, their increasing numbers partially slow national life expectancy gains.
This effect is small but significantāand will become more important as populations age and survival continues improving.
Failure to consider population composition may lead to misinterpreting life expectancy trends.
Prevention of disease (reducing new cases) is just as important as improving survival.
This study provides a new demographic insight:
ā”ļø Long-term survivors improve individual lives but can slow national-level longevity trends....
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Influence of Adult Food
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Influence of Adult Food on Female Longevity and Re
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This PDF is a scientific study examining how adult This PDF is a scientific study examining how adult diet affects female longevity (lifespan) and reproductive capacity (egg production) in an insect species. The research focuses on understanding how nutritional quality after adulthood influences:
how long females live,
how many eggs they produce, and
how diet shapes the trade-off between survival and reproduction.
The study is part of entomological (insect biology) research and has direct relevance to pest management, ecological modeling, and understanding insect life-history evolution.
š Main Objective of the Study
To determine how different adult food sources influence:
Female lifespan
Reproductive output (number of eggs laid)
The timing of reproduction
The balance between survival and reproductive investment
The researchers test whether richer diets increase reproduction at the cost of shorter lifeāor extend lifespan by improving physiological condition.
š§Ŗ Method Overview
Females were provided different types of adult food, such as:
Carbohydrate-rich diets
Protein-rich diets
Natural food sources (like host plant materials or prey)
Control diets (minimal or no nutrition)
The study measured:
Lifespan (in days)
Pre-oviposition period (time before starting to lay eggs)
Lifetime fecundity (total eggs produced)
Daily egg-laying rate
Survival curves under different diets
š Key Scientific Findings
1. Adult diet has a major impact on female lifespan
Nutrient-rich food significantly increases longevity.
Females deprived of proper adult food show rapid mortality.
2. Reproductive capacity strongly depends on adult nutrition
Well-fed females lay more eggs overall.
Poor diets reduce or completely suppress egg production.
3. There is a diet-driven trade-off between lifespan and reproduction
Some diets maximize egg production but shorten lifespan.
Other diets increase longevity but reduce reproductive output.
Balanced diets support both survival and reproduction.
4. The timing of reproduction shifts with diet
Nutrient-rich females begin egg-laying earlier.
Poorly nourished females delay reproductionāor cannot reproduce at all.
5. Physiological mechanisms
The study suggests that improved adult diet enhances:
Ovary development
Energy allocation to egg maturation
Overall metabolic health
š± Biological & Practical Importance
The results show that adult nutrition is a critical determinant of:
Female insect population growth
Pest resurgence potential
Biological control success
Evolution of life-history traits
In applied entomology, understanding these relationships helps predict:
Population dynamics
Reproduction cycles
Control strategy effectiveness
š§¾ Overall Conclusion
The PDF concludes that adult food quality strongly influences both survival and reproductive performance in female insects.
Better nutrition leads to:
ā longer lifespan
ā higher reproductive capacity
ā earlier reproduction
ā stronger fitness overall
The study demonstrates that adult-stage diet is just as important as juvenile diet in shaping insect life-history strategies....
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How has the variance
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How has the variance of longevity changed ?
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This document is a comprehensive research paper th This document is a comprehensive research paper that examines how the variance of longevity (variation in age at death) has changed across different population groups in the United States over the past several decades. Rather than focusing only on life expectancy, it highlights how unpredictable lifespan is, which is crucial for retirement planning and the value of lifetime income products like annuities.
š Main Purpose of the Study
The core purpose is to analyze:
How lifespan variation has changed from the 1970s to 2019
How differences vary across race, gender, and socioeconomic status (education level)
How changes in lifespan variability influence the economic value of annuities
The authors focus heavily on the implications for retirement planning, longevity risk, and financial security.
š Populations Analyzed
The study evaluates five major groups:
General U.S. population
Annuitants (people who purchase annuities)
Whiteāhigh education
Whiteālow education
Blackāhigh education
Blackālow education
All groups are analyzed separately for men and women, and conditional on survival to ages 50, 62, 67, and 70.
š Key Findings (Perfect Summary)
1. Population-level variance has remained stable since the 1970s
Even though life expectancy increased, the spread of ages at death (standard deviation) remained mostly unchanged for the general population.
2. SES and racial disparities in lifespan variation remain large
Black and lower-education individuals have consistently greater lifespan variation.
They face higher risks of both premature death and very late death.
This inequality captures an important dimension of social and economic disadvantage.
3. Different groups show different trends (2000ā2019)
Variance increased for almost all groups
ā especially high-education Black and low-education White individuals.
Exception: Low-education Black males
ā They showed a substantial decrease in variability mostly due to reduced premature mortality.
4. Annuitants have less lifespan variation at age 50
Those who purchase annuities tend to be healthier, wealthier, and show less lifespan uncertainty.
However, by age 67, the difference in variation between annuitants and the general population nearly disappears.
š° Economic Insights: Impact on Annuity Value
Using a lifecycle model, the study calculates wealth equivalence ā how much additional wealth a person would need to compensate for losing access to a fair annuity.
Key insight:
Even though longevity variance increased, the value of annuities actually declined over time.
Why?
Because life expectancy increased, delaying mortality credits to older ages ā lowering annuity value in economic terms.
Quantitative Findings
A one-year increase in standard deviation ā raises annuity value by 6.8% of initial wealth.
A one-year increase in life expectancy ā reduces annuity value by 3.1%.
From 2000ā2019:
General population saw only a 1.3ā2.0% increase in annuity value due to rising variance.
By group:
High-education Black males: +13.6%
Low-education Black males: ā6.1%
š¬ Methodology
The study uses:
SSA cohort life tables for the general population
Mortality estimates using NVSS & ACS data for race-education groups
Annuity mortality tables (1971 IAM, 1983 IAM, 2000, 2012 IAM) for annuitants
Lifespan variation measured using standard deviation of age at death (Sx)
Wealth equivalence is computed using a CRRA utility model with full annuitization and actuarially fair payouts.
š§ Why This Matters
Lifespan uncertainty directly affects:
ā Retirement planning
ā Optimal savings behavior
ā Need for annuities or guaranteed lifetime income
ā Social welfare policy
Groups with higher lifespan uncertainty benefit more from annuities.
The studyās results emphasize:
Persistent inequalities in mortality patterns
The importance of accessible lifetime income options
The role of policy in addressing retirement security
š Perfect One-Sentence Summary
The document shows that while life expectancy has risen, the variance of longevity has remained stable overall but diverged notably across racial and socioeconomic groups, significantly influencing the economic value and importance of annuities in retirement planning.
If you want:
ā
A diagram
ā
A simplified student-friendly summary
ā
A PPT, PDF, or infographic
ā
A comparison table
ā
A visual chart
Just tell me ā I can generate it!...
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Provisional Life
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Provisional Life Expectancy Estimates for 2021
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This PDF is an official statistical report providi This PDF is an official statistical report providing provisional U.S. life expectancy estimates for the year 2021, produced by the National Vital Statistics System (NVSS). It gives a clear, data-driven picture of how life expectancy changed from 2020 to 2021, who was most affected, and what demographic disparities emerged.
The report focuses particularly on:
Total U.S. population life expectancy
Sex differences (male vs. female)
Racial/ethnic disparities among Hispanic, non-Hispanic White, non-Hispanic Black, and non-Hispanic American Indian/Alaska Native (AIAN) populations
Rising Longevity Increasing thā¦
š¶ Key Findings of the PDF
1. U.S. life expectancy fell significantly in 2021
Life expectancy at birth for the entire U.S. population fell to 76.1 years, a drop of 0.9 years from 2020.
This follows a historic decline in 2020, marking two consecutive years of major life expectancy loss.
Rising Longevity Increasing thā¦
2. Males experienced a larger drop than females
Male life expectancy (2021): 73.2 years
Female life expectancy (2021): 79.1 years
The gender gap widened to 5.9 years, the largest difference seen in decades.
Rising Longevity Increasing thā¦
3. All racial/ethnic groups experienced declinesābut not equally
Every group showed reduced life expectancy in 2021, but the size of the decline varied:
Hispanic population experienced a sharp drop, continuing a historic reversal that began in 2020.
Non-Hispanic Black and non-Hispanic AIAN groups saw some of the largest cumulative losses over the two-year period.
Non-Hispanic White populations also experienced declines, though generally smaller than minority populations.
Rising Longevity Increasing thā¦
The report illustrates widening disparities in mortality across race and ethnicity.
4. COVID-19 remained the leading cause of the decline
Although the document does not list detailed causes of death, it emphasizes that COVID-19 continued to play the central role in reducing life expectancy in 2021, following the large pandemic-driven decline in 2020.
Rising Longevity Increasing thā¦
5. The report uses provisional mortality data
Because 2021 mortality files were not yet finalized at the time of publication, the results are based on:
Provisional death counts
Population estimates
Standard NVSS statistical methods
The report notes that figures may change slightly in the final annual releases.
Rising Longevity Increasing thā¦
ā Overall Purpose of the PDF
The goal of the document is to present a timely, preliminary statistical overview of how U.S. life expectancy changed in 2021, emphasizing:
the continued negative impact of COVID-19,
widening demographic disparities,
and the ongoing decline in longevity following the major 2020 drop.
ā Perfect One-Sentence Summary
This PDF provides a rigorous, data-based snapshot showing that U.S. life expectancy fell to 76.1 years in 2021āits lowest level in decadesāwith significant gender and racial/ethnic disparities and COVID-19 as the primary driver of the decline....
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Healthy Habits
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Healthy Habits to reduce stress
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āDaily Healthy Habits to Reduce Stress and Increas āDaily Healthy Habits to Reduce Stress and Increase Longevityā is a practical, research-based lifestyle guide that teaches people how small, consistent daily habits can significantly improve health, reduce stress, and support longer life. The document emphasizes that stressāespecially chronic stressācan harm the brain, body, and immune system, but simple routines practiced each day can reverse much of this damage.
The resource presents easy, actionable habits anyone can adopt, focusing on the mindābody connection, healthy routines, emotional wellbeing, and prevention. Every recommendation is designed to be simple, low-cost, and realistic for everyday life.
ā What the Document Teaches
ā 1. How Healthy Habits Improve Longevity
The file explains that long-term health and lifespan depend on daily choicesāsuch as movement, sleep, nutrition, and emotional self-careānot expensive treatments or extreme routines.
It highlights habits that help regulate:
heart health
immune function
energy levels
metabolism
emotional wellbeing
š The document states that behaviors chosen early in lifeāand maintained dailyāhave long-lasting impacts on health and survival.
Daily-healthy-habits-to-reduce-ā¦
ā 2. Daily Stress-Reducing Habits
The resource outlines simple habits that help calm the nervous system and lower daily stress:
Mindful breathing
Short walks and light exercise
Relaxation techniques
Setting daily intentions
Taking breaks to avoid burnout
Practicing gratitude or self-reflection
These behaviors help manage anxiety and boost resilience.
š The document notes that activities like reading and physical movement can immediately lower stress and overwhelm.
ā 3. Healthy Lifestyle Practices That Support Longevity
The PDF highlights key habits proven to improve long-term health, including:
balanced nutrition
moderate daily physical activity
hydration
avoiding smoking and limiting alcohol
maintaining mental engagement
staying socially connected
š Healthy lifestyle choices, especially diet and exercise, are linked to improved mental and physical health.
ā 4. The Role of MindāBody Wellness
The file emphasizes that emotional and physical health are deeply connected. Stress management techniquesāsuch as meditation, gentle movement, and positive routinesāhelp protect the heart, reduce inflammation, and support healthy aging.
The guide encourages daily practices that nurture:
emotional balance
mindfulness
mental clarity
spiritual wellness (if applicable)
These habits help maintain overall vitality.
ā 5. Why Daily Habits Matter
The core message of the document is that longevity is built through everyday actions, not huge life changes. When practiced consistently, small habits:
calm the mind
strengthen the body
improve focus
increase motivation
protect long-term health
The guide stresses that āsmall steps done consistentlyā lead to major improvements in quality of life and lifespan.
ā Overall Meaning
The document teaches that anyone can reduce stress and support a longer, healthier life through simple daily habits. By focusing on balanced routinesāmovement, rest, nutrition, mindfulness, and emotional careāpeople can significantly decrease stress levels and promote overall longevity. It is a simple, practical roadmap for creating a life that is mentally calmer, physically stronger, and more resilient....
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Global and National
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Global and National Declines in Life
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Period life expectancy at birth [life expecta
Period life expectancy at birth [life expectancy thereafter] is the most-frequently used indicator
of mortality conditions. More broadly, life expectancy is commonly taken as a marker of human
progress, for instance in aggregate indices such as the Human Development Index (United
Nations Development Programme 2020). The United Nations (UN) regularly updates and makes
available life expectancy estimates for every country, various country aggregates and the world
for every year since 1950 (Gerland, Raftery, Å evÄĆkovĆ” et al. 2014), providing a 70-year
benchmark for assessing the direction and magnitude of mortality changes....
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Longevity Compensation
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Longevity Compensation
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Longevity Compensation (Regulation 5.05) is the of Longevity Compensation (Regulation 5.05) is the official Michigan Civil Service Commission (MCSC) regulation governing eligibility, creditable service, payment calculations, and administrative rules for annual longevity payments to career state employees. The regulation, effective October 1, 2025, replaces earlier versions and establishes the authoritative framework for how longevity compensation is earned and administered in Michiganās classified service.
The regulation defines longevity pay as an annual payment provided each October 1 to employees who have accrued the equivalent of five or more years (10,400 hours) of continuous full-time classified service, including certain credits granted under CSC rules. Employees with breaks in service may still qualify based on total accumulated hours once they again complete five years of continuous service.
1. Eligibility Framework
Career Employees
A career employee becomes eligible for the first longevity payment by completing:
10,400 hours of current continuous full-time service
Including qualifying service credit from prior state employment, legislative service, judicial service, or certain exempted/excepted appointments (if re-entry occurs within 28 days)
Military Service Credit
New career employees may receive up to five years of additional credit for honorable active-duty U.S. military service if documentation is submitted within 90 days of hire. The regulation specifies:
Accepted documents (DD-214, NGB-22 with Character of Service field)
What qualifies as active duty
Rules for computing hours (2,080 per year; 174 per month; 5.8 per day)
How previously granted military credit is carried between ācurrentā and āpriorā service counters
Reserve service does not qualify unless it includes basic training or other active-duty periods shown on official records.
Leaves and Service Interruptions
Paid leave earns full longevity credit.
Workersā compensation leave is credited per Regulation 5.13.
Unpaid leave does not earn credit but also does not break service.
Employees returning after separation receive full credit for all prior service hours once a new block of 10,400 continuous hours is completed.
2. Longevity Payment Schedule
Longevity pay is provided annually based on total accumulated full-time service:
Years of Full-Time Service Required Hours Annual Payment
5ā8 years 10,400 hrs $265
9ā12 years 18,720 hrs $360
13ā16 years 27,040 hrs $740
17ā20 years 35,360 hrs $960
21ā24 years 43,680 hrs $1,220
25ā28 years 52,000 hrs $1,580
29+ years 60,320 hrs $2,080
(Amounts and formatting reproduced directly from the regulationās table.)
No employee may receive more than one annual longevity payment within any 12-month period, except in cases allowed under retirement or death provisions.
3. Payment Rules and Timing
Initial Payment
Awarded once the employee reaches 10,400 hours before October 1.
Always paid as a full payment, not prorated.
Annual Payments
Full payment requires 2,080 hours in pay status during the longevity year.
Employees with fewer than 2,080 hours receive a prorated amount.
Lost Time
Lost time does not count toward continuous service or the annual qualifying hours.
Employees cannot receive credit for more than 80 hours per biweekly period.
Paid overtime cannot offset lost time unless both occur in the same pay period.
Employees on Leave October 1
Employees on waived-rights leave receive prorated payments upon return.
Those on other unpaid leaves or layoffs receive prorated payments based on hours in pay status during the previous fiscal year.
Retirement or Death
Employees with at least 10,400 hours of continuous service receive a terminal longevity payment, either:
A full initial payment (if none has been paid during the current service period), or
A prorated payment for the part of the fiscal year worked.
4. Administrative and Contact Information
The regulation concludes with contact details for the MCSC Compensation division for questions or clarifications regarding service credit, documentation, or payments.
Overall Summary
This regulation provides a clear, legally precise, and procedurally detailed structure for awarding longevity compensation to Michigan state employees. It outlines:
Who qualifies
Which service types count
How military service is credited
How breaks and leaves affect eligibility
Exact payment levels
Rules for retirement, separation, and death
As the authoritative compensation rule for Michiganās classified workforce, Regulation 5.05 ensures consistent, transparent, and equitable administration of longevity payments across all state departments.
If you'd like, I can also create:
š a one-page summary
š a comparison with other longevity-pay policies you've uploaded
š a combined meta-summary of all longevity-related documents
Just tell me!
Sources...
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The role of polyamines i
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The role of polyamines in protein-dependent
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āThe Role of Polyamines in Protein-Dependent Hypox āThe Role of Polyamines in Protein-Dependent Hypoxic Tolerance of Drosophilaā is a research article that investigates why dietary proteins and amino acids drastically reduce survival under chronic low-oxygen conditions (hypoxia), using Drosophila melanogaster as the model organism. The study reveals a surprising and biologically important mechanism linking amino acids, polyamines, and hypoxic stress tolerance.
Core Finding
Under chronic hypoxia (5% oxygen), even small amounts of dietary protein dramatically shorten the lifespan of adult flies. This effect is not seen under normal oxygen. The researchers discovered that this life-shortening effect is driven by:
Amino acids themselves
Their metabolic intermediates (L-ornithine, L-citrulline)
Polyamines (putrescine, spermidine, spermine)
Every natural amino acid tested decreased fly survival under hypoxia, even at low millimolar concentrations.
The role of polyamines in proteā¦
Why proteins become toxic in hypoxia
The study shows that chronic hypoxia unmasks a harmful effect of amino acid metabolism:
Amino acids feed into the polyamine synthesis pathway.
Polyamines, in turn, promote hypusination of eIF5A, a unique post-translational modification required for the active form of this protein.
Both polyamines and eIF5A hypusination are shown to reduce hypoxic tolerance and shorten lifespan.
The role of polyamines in proteā¦
Thus, amino acids ā polyamines ā eIF5A hypusination ā reduced hypoxic survival.
Pharmacological evidence
Two inhibitors were used to dissect the mechanism:
DFMO, an inhibitor of ornithine decarboxylase (the first enzyme in polyamine synthesis), partially protected hypoxic flies from amino-acid toxicity but had no effect against polyamines themselves. This shows that polyamines are downstream of amino acids.
The role of polyamines in proteā¦
GC7, a potent inhibitor of eIF5A hypusination, partially rescued flies from both amino-acid- and polyamine-induced death. This demonstrates that eIF5A activation is a key step linking amino acids to reduced hypoxic tolerance.
The role of polyamines in proteā¦
Hypoxia-inducible factor (HIF-1Ī±/Sima)
The authors investigated whether the classic hypoxia-response pathway played a role. They found:
Chronic hypoxia did not activate strong HIF-1Ī± signalling in adult flies.
Loss-of-function mutants for sima (Drosophila HIF-1Ī±) still showed the same amino-acid toxicity.
The role of polyamines in proteā¦
Thus, the mechanism is independent of HIF-1Ī±, and represents a separate amino-acid sensing pathway.
Broader biological significance
The study provides strong evidence that:
Low-protein diets dramatically improve hypoxic tolerance, while proteinsāthrough amino acids and polyaminesāmake tissues more vulnerable during oxygen shortage.
These mechanisms likely have parallels in mammals, where polyamine levels rise in ischemic conditions (stroke, myocardial infarction).
The role of polyamines in proteā¦
This suggests potential therapeutic strategies: targeting polyamine synthesis or eIF5A hypusination to improve survival under ischemic or hypoxic stress.
Conclusion
The paper identifies a previously unknown mechanism by which dietary amino acids reduce survival under chronic hypoxia. The key pathway is:
Amino acids ā polyamine synthesis ā eIF5A hypusination ā reduced hypoxic tolerance
This mechanism explains why low-protein diets increase hypoxic survival and opens possibilities for treatments against hypoxia-related diseases....
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Longevity Increased
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Longevity Increased by Positive Self-Perceptions
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This PDF is a landmark research article published This PDF is a landmark research article published in the Journal of Personality and Social Psychology (2002), presenting one of the most influential findings in modern aging science:
š How people think about their own aging significantly predicts how long they will live.
The paper demonstrates that positive self-perceptions of agingāhow positively individuals view their own aging processāare associated with longer lifespan, even after controlling for physical health, age, gender, socioeconomic status, loneliness, and other factors. The study follows participants for 23 years, making it one of the most robust longitudinal analyses in this field.
Its revolutionary insight is that mindset is not just a psychological variableāit is a measurable longevity factor.
š¶ 1. Purpose of the Study
The authors aimed to:
Examine whether internalized attitudes toward aging affect actual survival
Move beyond stereotypes about āpositive thinkingā and instead test a rigorous scientific hypothesis
Analyze perceptions of aging as an independent predictor of mortality
Longevity Increased by Positiveā¦
The study is grounded in stereotype embodiment theory, which suggests that cultural beliefs about aging gradually become internalized, eventually shaping health and behavior.
š¶ 2. Methodology
The study followed 660 participants from the Ohio Longitudinal Study of Aging and Retirement, tracking:
Their self-perceptions of aging in midlife
Their physical health
Mortality data over the next 23 years
Key variables measured:
Self-perceptions of aging
Functional health
Socioeconomic status
Age, gender
Loneliness and social support
Longevity Increased by Positiveā¦
The researchers used Cox proportional hazards models to test whether aging attitudes predicted survival.
š¶ 3. Key Findings
ā A) Positive aging perceptions predict longer life
Participants with more positive views of their own aging lived an average of 7.5 years longer than those with negative aging perceptions.
Longevity Increased by Positiveā¦
This effect remained strong even after adjusting for:
health status
baseline age
gender
socioeconomic factors
loneliness
multiple health conditions
ā B) The effect is stronger than many medical predictors
The study notes that the impact of positive aging perceptions on lifespan is:
greater than the effect of lowering blood pressure
greater than the effect of lowering cholesterol
comparable to major lifestyle interventions
Longevity Increased by Positiveā¦
This elevates self-perception from psychology into a biological risk/protective factor.
ā C) Negative aging stereotypes damage longevity
Participants who viewed aging as:
decline
social loss
inevitable disability
were significantly more likely to die earlier during the 23-year follow-up.
Longevity Increased by Positiveā¦
Internalized negative beliefs appear to elevate stress, diminish motivation, reduce healthy behaviors, and increase physiological vulnerability.
š¶ 4. Theoretical Contribution: Stereotype Embodiment Theory
The authors propose that:
Cultural stereotypes about aging are absorbed over a lifetime
These perceptions become self-beliefs in midlife
These beliefs influence physiology, stress response, and behavior
Longevity Increased by Positiveā¦
In this framework, aging self-perceptions act as a psychosocial biological mechanism affecting inflammation, stress hormones, and engagement in healthy activities.
š¶ 5. Why This Study Is Important
This article is considered a foundational study in the psychology of aging because:
It shows that mindset is a measurable determinant of survival
It suggests that policy, media, and culture may indirectly shape population longevity through aging stereotypes
It has influenced global healthy aging initiatives, including age-friendly media campaigns
The research shifted the field by demonstrating that longevity is not only medical or genetic; it is also psychological and social.
ā Perfect One-Sentence Summary
This study shows that people who hold more positive beliefs about their own aging live significantly longerāon average by 7.5 yearsārevealing that mindset and internalized age attitudes are powerful, independent predictors of longevity....
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Longevity: Trends,
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Longevity: Trends, uncertainty
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This PDF is a technical, actuarial, and policy-foc This PDF is a technical, actuarial, and policy-focused analysis of how rising life expectancy and uncertainty in future mortality trends affect pension systems. It explains why traditional assumptions about longevity are no longer reliable, how mortality improvements have changed over time, and what new risks and financial pressures this creates for defined-benefit pension schemes, insurers, and governments.
The core message:
People are living longer than expected ā and the uncertainty around future longevity improvements is one of the biggest financial risks for pension schemes. Understanding and managing this risk is essential for long-term solvency.
š Purpose of the Document
The paper aims to:
Analyze historical and projected trends in mortality and longevity
Explain the uncertainties in estimating future life expectancy
Assess the financial consequences for pension plans
Evaluate actuarial models used for death-rate forecasting
Recommend strategies for managing longevity risk
It serves as a guide for trustees, actuaries, regulators, and anyone involved in pension provision.
š 1. Mortality Trends Are Changing ā and They Are Uncertain
The document reviews:
Historical increases in life expectancy
How mortality improvements vary by age
How longevity improvements slowed or accelerated at different periods
The inconsistent nature of long-term mortality trends
It emphasizes that past trends cannot reliably predict future longevity because mortality dynamics are complex and influenced by:
Medical advances
Social and lifestyle changes
Economic conditions
Public health interventions
Longevity Trends, uncertainty aā¦
š§® 2. Why Pension Schemes Are Highly Exposed to Longevity Risk
In defined-benefit (DB) schemes:
Payments last as long as members live
If members live longer, liabilities increase dramatically
Even small errors in life expectancy forecasts can cost millions
Longer lifespans mean:
Higher pension payouts
Larger reserve requirements
Increased funding pressures
Greater contribution demands on employers
Longevity Trends, uncertainty aā¦
The report shows that longevity risk is systematic, meaning it affects all members, and cannot be diversified away.
š 3. Key Sources of Longevity Uncertainty
The PDF identifies major drivers of uncertainty in mortality projections:
A. Medical breakthroughs
Sudden improvements (e.g., statins, cancer therapies) can significantly increase life expectancy.
B. Lifestyle and behavioral changes
Smoking rates, exercise patterns, diet, and obesity trends all shift mortality outcomes.
C. Economic conditions
Recessions, unemployment, and poverty can slow or reverse longevity improvements.
D. Cohort effects
Different generations exhibit different mortality profiles.
E. Data limitations
Short time series or inconsistent measurements reduce forecasting accuracy.
Longevity Trends, uncertainty aā¦
š 4. Mortality Forecasting Models and Their Weaknesses
The document reviews commonly used actuarial models, such as:
LeeāCarter model
Cohort-based models
P-splines and smoothing methods
Stochastic mortality models
Key problems highlighted:
Many models underestimate uncertainty
Some ignore cohort effects
Some rely too heavily on recent trends
Projection results vary widely depending on assumptions
Longevity Trends, uncertainty aā¦
The message: Mortality forecasting is difficult and inherently uncertain.
š° 5. Financial Implications for Pension Schemes
Longevity uncertainties translate into:
Valuation challenges
Underfunding risks
Volatile contribution rates
Large deficits if assumptions prove wrong
Even small errors in mortality assumptions cause:
Large increases in liabilities
Significant funding gaps
The PDF stresses that underestimating life expectancy is a major strategic risk.
Longevity Trends, uncertainty aā¦
š”ļø 6. Managing Longevity Risk
The document presents several strategies:
A. Adjusting actuarial assumptions
Use more cautious/longevity-positive assumptions.
B. Stress testing and scenario analysis
Evaluate outcomes under extreme but plausible longevity shifts.
C. Hedging longevity risk
Using tools such as:
Longevity swaps
Longevity bonds
Reinsurance arrangements
D. Scheme redesign
Adjusting benefit formulas or retirement ages.
Longevity Trends, uncertainty aā¦
The PDF underscores the need for active governance, ongoing monitoring, and transparent communication.
š 7. Policy Considerations
Governments must consider:
Long-term sustainability of pension systems
Intergenerational fairness
Impact on public finances
Regulation of risk-transfer instruments
As longevity rises, pension ages and contribution structures may require reform.
ā Overall Summary
This PDF provides a clear, authoritative analysis of how changing and uncertain longevity trends affect pension schemes. It explains why predicting life expectancy is extremely challenging, why this uncertainty poses substantial financial risks, and what pension providers can do to manage it. The document calls for improving longevity modelling, using more robust risk-management tools, and adopting proactive governance to ensure pension system sustainability in an era of rising life expectancy.
...
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Grandmothers and the Evolution of Human Longevity
Grandmothers and the Evolution of Human Longevity
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āGrandmothers and the Evolution of Human Longevity āGrandmothers and the Evolution of Human Longevityā**
This PDF is a scholarly research article that presents and explains the Grandmother Hypothesisāone of the most influential evolutionary theories for why humans live so long after reproduction. The paper argues that human longevity evolved largely because ancestral grandmothers played a crucial role in helping raise their grandchildren, thereby increasing family survival and passing on genes that favored longer life.
The article combines anthropology, evolutionary biology, and demographic modeling to show that grandmothering behavior dramatically enhanced reproductive success and survival in early human societies, creating evolutionary pressure for extended lifespan.
šµ 1. Core Idea: The Grandmother Hypothesis
The central argument is:
Human females live long past menopause because grandmothers helped feed, protect, and support their grandchildren, allowing mothers to reproduce more frequently.
This cooperative childcare increased survival rates and promoted the evolution of long life, especially among women.
Healthy Ageing
š§¬ 2. Evolutionary Background
The article explains key evolutionary facts:
Humans are unique among primates because females experience decades of post-reproductive life.
In other great apes, females rarely outlive their fertility.
Human children are unusually dependent for many years; mothers benefit greatly from help.
Grandmothers filled this gap, making longevity advantageous in evolutionary terms.
Healthy Ageing
š 3. Why Grandmothers Increased Survival
The study shows how ancestral grandmothers:
ā Provided extra food
Especially gathered foods like tubers and plant resources.
ā Allowed mothers to wean earlier
Mothers could have more babies sooner, increasing reproductive success.
ā Improved child survival
Grandmother assistance reduced infant and child mortality.
ā Increased group resilience
More caregivers meant better protection and food access.
These survival advantages favored genes that supported prolonged life.
Healthy Ageing
š 4. Mathematical & Demographic Modeling
The PDF includes modeling to demonstrate:
How grandmother involvement changes fertility patterns
How increased juvenile survival leads to higher population growth
How longevity becomes advantageous over generations
Models show that adding grandmother support significantly increases life expectancy in evolutionary simulations.
Healthy Ageing
š¶ 5. Human Childhood and Weaning
Human children:
Develop slowly
Need long-term nutritional and social support
Rely on help beyond their mother
Early weaningāmade possible by grandmother helpācreates shorter birth intervals, boosting the reproductive output of mothers and promoting genetic selection for long-lived helpers (grandmothers).
Healthy Ageing
š§ 6. Implications for Human Evolution
The article argues that grandmothering helped shape:
ā Human social structure
Cooperative families and multigenerational groups.
ā Human biology
Long lifespan, menopause, slower childhood development.
ā Human culture
Shared caregiving, food-sharing traditions, teaching, and cooperation.
Healthy Ageing
Grandmothers became essential to early human success.
š§ 7. Menopause and Post-Reproductive Lifespan
One major question in evolution is: Why does menopause exist?
The article explains that:
Natural selection usually favors continued reproduction.
But in humans, the benefits of supporting grandchildren outweigh late-life reproduction.
This shift created evolutionary support for long post-reproductive life.
Healthy Ageing
ā Overall Summary
This PDF provides a clear and compelling explanation of how grandmothering behavior shaped human evolution, helping produce our unusually long life spans. It argues that grandmothers increased survival, supported early weaning, and boosted reproduction in early humans, leading natural selection to favor individualsāespecially femalesāwho lived well past their reproductive years. The article blends anthropology, biology, and mathematical modeling to show that the evolution of human longevity is inseparable from the evolutionary importance of grandmothers....
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Diet in Longevity
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Diet in Longevity
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āLongevity Dietā is a concise, practical guide tha āLongevity Dietā is a concise, practical guide that outlines how specific dietary substitutions and eating patterns can support healthier aging, extend lifespan, and reduce the risk of chronic disease. The document promotes a nutrient-dense, low-inflammation way of eating that emphasizes whole foods, plant-forward choices, and strategic replacements for common staples that accelerate aging.
The guide presents a clear set of food swaps designed to improve metabolic health, reduce oxidative stress, and support a stronger, longer-living body. It recommends replacing refined starchesāsuch as bread, pasta, and white riceāwith vegetables, legumes, mushrooms, and whole grains like quinoa. Red and processed meats are minimized in favor of fatty fish (like salmon, mackerel, sardines), white meat, eggs, tofu, or mushrooms. High-fat spreads and dressings are replaced with extra-virgin olive oil and other healthy fats, while processed sugars and excessive salt are swapped for herbs, spices, and āLite Salt.ā
The document encourages replacing cowās milk with plant-based alternatives such as coconut, hemp, or pea milk. Beverages like soda and commercial fruit juice are substituted with water, tea, herbal teas, or moderate coffee intake. Snacks high in sugar are replaced with fruit, natural sweeteners, or high-cocoa dark chocolate.
It also emphasizes using targeted nutritional supplementsāsuch as B vitamins, iodine, selenium, vitamin D, vitamin K2, and magnesiumāto address common micronutrient gaps. Specialized ālongevity supplements,ā such as those formulated to counteract cellular aging, are listed as complementary options.
The centerpiece of the document is the ā10 Simple Rules of the Longevity Diet,ā which provide deeper guidance: eat fewer refined starches, limit red meat, hydrate well, favor whole ingredients (30+ per week), maintain moderate protein intake, eat slightly less than full to promote metabolic health, include fermented foods, minimize alcohol, and avoid nutrient deficiencies.
Overall, the Longevity Diet promotes a style of eating that is diverse, minimally processed, rich in phytonutrients and healthy fats, and aligned with scientific insights into metabolic health, the gut microbiome, inflammation, and biological aging....
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Longevity risk transfer
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Longevity risk transfer markets
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This document provides a comprehensive examination This document provides a comprehensive examination of longevity risk transfer (LRT) markets, focusing on how pension funds, insurers, reinsurers, banks, and capital markets handle the risk that retirees live longer than expected. Longevity risk affects the financial sustainability of defined benefit (DB) pension plans and annuity providers, with even a one-year underestimation of life expectancy costing hundreds of billions globally.
The report explains the main risk-transfer instrumentsābuy-outs, buy-ins, longevity swaps, and longevity bondsādetailing how each shifts longevity and investment risk between pension plans and financial institutions. It highlights why the UK historically dominated LRT markets and analyzes emerging large transactions in the US and Europe.
It explores drivers of LRT growth (such as corporate de-risking, regulatory capital relief, and hedging opportunities for insurers) and impediments including regulatory inconsistencies, selection bias (ālemonsā risk), basis risk in index-based hedges, limited investor appetite, and insufficient granular mortality data.
The document also assesses risk management challenges, such as counterparty risk, collateral demands in swap transactions, rollover risk, and opacity from multi-layered risk-transfer chains. It draws potential parallels to pre-2008 credit-risk transfer markets and warns of future systemic risks, especially if longevity shocks (e.g., breakthrough medical advances) overwhelm counterparties like insurers or banks.
Finally, the report presents policy recommendations for supervisors and policymakers: improving cross-sector coordination, strengthening risk measurement standards, increasing transparency, enhancing mortality data, ensuring institutions can withstand longevity shocks, and monitoring the growing interconnectedness created by LRT markets....
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Dublin Longevity
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Dublin Longevity Declaration
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Consensus Recommendation to Immediately Expand Res Consensus Recommendation to Immediately Expand Research on Extending Healthy Human Lifespans
For millennia, the consensus of the general public has been that aging is inevitable. For most of our history, even getting to old age was a significant accomplishment ā and while centenarians have been around at least since the time of the Greeks, aging was never of major interest to medicine.
That has changed. Longevity medicine has entered the mainstream. First, evidence accumulated that lifestyle modifications prevent chronic diseases of aging and extend healthspan, the healthy and highly functional period of life. More recently, longevity research has made great progress ā aging has been found to be malleable and hundreds of interventional strategies have been identified that extend lifespan and healthspan in animal models. Human clinical studies are underway, and already early results suggest that the biological age of an individual is modifiable.
A concerted effort has been made in the longevity field to institutionalize the word āhealthspanā. Why healthspan (how long we stay healthy) and not its side-effect of lifespan (how long we live)? The reasons are linked more to perception than reality. Fundamental to this need to highlight healthspan is the idea that individuals get when they are asked if they want to live longer. Many imagine their parents or grandparents at the end of their lives when they often have major health issues and low quality of life. Then they conclude that they would not choose to live longer in that condition. This is counter to longevity research findings, which show that it is possible to intervene in late middle life and extend both healthspan and lifespan simultaneously. Emphasizing healthspan also reduces concerns of some individuals about whether it is ethical to live longer.
A drawback of this exists, though: many current longevity interventions may extend healthspan more than lifespan. Lifestyle interventions such as exercise probably fit this mold. Many interventions that have dramatic health-extending effects in invertebrate models have more modest effects in mice, and there is a concern that they will be further reduced in humans. In other words, the drugs and small molecules that we are excited about today may, despite their hefty development costs and lengthy approval processes, only extend average healthspan by five or ten years and may not extend maximum lifespan at all. Make no mistake, this would still represent a revolution in medical practice! A five-year extension in human healthspan, with equitable access for all people, would save trillions per year in healthcare costs, provide extra life quality across the entire population ...
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How Long is Longevity
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How Long is Long in Longevity?
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ā How Long Is Long in Longevity?
By JesĆŗs-AdriĆ” ā How Long Is Long in Longevity?
By JesĆŗs-AdriĆ”n Ćlvarez (Society of Actuaries Research Institute, 2023)
This research paper explores a fundamental question: When does a ālong lifeā truly begin? Instead of using arbitrary ages like 60 or 70 to define old age, the author argues for a more scientific and population-based approach.
The paper reviews how societies have historically defined old ageāoften tied to fixed ages such as military service ending at 60, tax exemptions at 70, or retirement systems set at fixed ages. These traditional definitions, the author shows, are arbitrary and outdated, especially because modern people often reach their 70s or 80s in good health.
ā Main Purpose of the Study
To propose a formal, data-based definition of when longevity beginsānot based on chronological age, but on how many people in a population are still alive at a given point.
The study introduces survivorship ages (s-ages), which answer the question:
ā”ļø At what age is a certain percentage (s) of the population still alive?
ā Key Idea: Longevity Begins at the s-Age Where Only 37% of the Population Is Alive
Using demographic reasoning and mathematical survival models, the author shows:
The cumulative hazard (total mortality exposure) reaches a value of 1 at the point where 37% of the population is still alive.
This means that at x(0.37)āthe age when 37% surviveāpeople have lived ālong enoughā to be considered longevous.
So instead of calling someone old at 60 or 70, the paper defines the onset of longevity as:
ā”ļø The age at which only 37% of people remain alive.
This threshold also matches findings from:
evolutionary biology (post-Darwinian longevity),
reliability theory, and
mortality mathematics,
making it a strong, interdisciplinary definition.
ā Why 37%?
Because mathematically, it is the survival level where the population has experienced enough mortality to eliminate the average lifespan.
This corresponds to important demographic markers such as:
>the modal age at death (most common age of death),
>the threshold age of the lifetable entropy, and
>the point where mortality shifts into āold-age deaths.ā
>Across Denmark, France, and the U.S., the study shows that this threshold has steadily moved upward over decadesāshowing that longevity is increasing, not fixed.
ā Comparison With Other Longevity Indicators
The study compares:
>Life expectancy
>Modal age at death
>Entropy threshold age
>s-age x(0.37)
All of these indicators:
>occur well above age 70,
>have risen over time,
>behave similarly across countries.
>This proves that longevity is dynamic, not a fixed age.
ā Key Conclusions
Fixed ages like 60 or 70 are meaningless for defining old age. They do not reflect modern survival patterns.
>Longevity should be defined relative to population survival, not birthdays.
>The age where 37% of the population survives is a scientifically meaningful starting point for longevity.
>Longevity is comparative it only makes sense when comparing individuals within a population.
The threshold for longevity is increasing over time, reflecting rising life spans.
ā Overall Meaning
This study redefines longevity using demographic science. Instead of saying āold age begins at 65,ā the paper shows that the true beginning of a long life happens when someone has lived to an age that less than 40% of their peers reach. This shifts the understanding of ageing away from tradition and toward empirical reality, offering a modern, flexible way to measure old age....
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Social Development,
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Social Development, and Well-Being
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1. Human Beings Are Biologically Wired for Social 1. Human Beings Are Biologically Wired for Social Connection
The paper emphasizes that social relationships are not optionalāthey are biological necessities, essential for survival and emotional well-being.
It describes how infants rely on caregivers for regulation, safety, and emotional stabilization, and how this early dependency forms the basis for later social competence.
2. The Separation Distress System (SDS)
A major topic is the neurobiological system activated when attachment figures become unavailable. The SDS produces predictable emotional and behavioral reactions:
protest
crying
searching
despair
eventual detachment
This system is presented as an evolutionary mechanism shared across mammalian species.
3. Development of Social and Emotional Skills
The document explains how humans develop:
empathy
cooperation
emotional regulation
communication
social understanding
These skills emerge through:
caregiver interactions
peer relationships
cultural guidance
brain maturation
The quality of early care profoundly shapes later social competence.
4. The Psychobiology of Social Behavior
The text identifies several brain systems that underlie social and emotional functioning:
attachment-bonding circuitry
caregiving systems
reward and motivation networks
stress-regulation pathways
These systems interact to produce the full range of human social motivation, from nurturing to cooperation to seeking closeness.
5. Lifespan Implications of Early Social Development
The paper shows how early relational experiences influence:
personality development
emotional resilience
vulnerability to stress
long-term relational patterns
mental health outcomes
Negative early experiencesāloss, neglect, inconsistencyācan lead to enduring difficulties in social and emotional functioning.
6. Cross-Species and Evolutionary Evidence
Drawing from animal studies, the paper demonstrates that:
attachment systems
separation responses
caregiving instincts
are deeply rooted in mammalian biology and therefore universal, not culturally constructed.
ā Overall Purpose of the PDF
To provide a comprehensive, interdisciplinary explanation of:
how social relationships form,
how they regulate emotional life,
how the brain supports social behavior, and
how disruptions in connection alter the developmental path.
It argues that social connection is at the center of human development, influencing biological regulation, psychological health, and the entire lifespan.
...
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Longevity and aging
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Longevity and aging
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This PDF is a highly influential scientific review This PDF is a highly influential scientific review (F1000Prime Reports, 2013) that summarizes the state of aging biology, explains why aging drives nearly all major diseases, and describes the conserved molecular pathways that regulate lifespan across speciesāfrom yeast to humans. Written by one of the worldās leading geroscientists, Matt Kaeberlein, the article outlines how modern research is moving toward the first real interventions to slow human aging and extend healthspan, the period of life free from disease and disability.
The central message:
š Aging is the biggest risk factor for all major chronic diseases, and slowing aging itself will produce far greater health benefits than treating individual diseases.
š¶ 1. Why Aging Matters
Aging dramatically increases the risk of Alzheimer's, cancer, heart disease, diabetes, kidney failure, and almost every other chronic illness.
The paper stresses:
Aging drives disease, not the other way around.
Treating one disease (e.g., cancer) extends life only a small amount.
Slowing aging itself would delay all age-related diseases simultaneously.
Longevity and aging
The concept of healthspanāliving longer and healthierāis emphasized as the most important goal.
š¶ 2. The Global Challenge of Aging
The paper notes that:
Lifespan has increased, but rate of aging has not slowed.
More people now live longer but spend many years in poor health.
This leads to the coming āsilver tsunamiāāhuge social and economic pressure from an aging population.
Longevity and aging
Slowing aging could compress morbidity into a short period near the end of life.
š¶ 3. The Molecular Biology of Aging
The article reviews key molecular aging theories and pathways:
ā The Free Radical Theory
Once popular, now considered insufficient to explain all aspects of aging.
ā Conserved Longevity Pathways
Research in yeast, worms, and flies uncovered hundreds of lifespan-extending gene mutations, revealing that:
Aging is biologically regulated
Insulin/IGF signaling and mTOR are highly conserved longevity pathways
Longevity and aging
These findings revolutionized the field and provided molecular targets for potential anti-aging therapies.
š¶ 4. Model Organisms and Why They Matter
Because humans live too long for rapid experiments, scientists use:
yeast (S. cerevisiae)
worms (C. elegans)
flies (Drosophila)
mice
These systems revealed:
conserved genetic pathways
mechanisms that slow aging
targets for drugs and dietary interventions
Longevity and aging
š¶ 5. Dietary Restriction (Calorie Restriction)
The most robust and universal intervention known to extend lifespan.
The article highlights:
Lifespan extension in yeast, worms, flies, mice, and monkeys
Food smell alone can reverse longevity benefits in flies and worms
Starting calorie restriction late in life still provides benefits
Longevity and aging
Mechanisms likely include:
reduced mTOR signaling
increased autophagy
improved mitochondrial function
better metabolic regulation
š¶ 6. Rapamycin: A Drug That Extends Lifespan
Rapamycin inhibits mTOR, a central nutrient-sensing pathway.
It is the only compound besides dietary restriction proven to extend lifespan in:
yeast
worms
flies
mice
Key findings:
Rapamycin extends mouse lifespan even when started late in life (equivalent to age 60 in humans).
It delays a wide range of age-related declines.
Longevity and aging
This makes mTOR inhibition one of the most promising avenues for human anti-aging interventions.
š¶ 7. Other Compounds (Mixed Evidence)
ā Resveratrol
Initially promising in yeast and invertebrates, but:
does not extend lifespan in normal mice
may improve metabolic health, especially on high-fat diets
Longevity and aging
ā Other compounds
Dozens are being tested in the NIA Interventions Testing Program.
š¶ 8. Evidence in Humans
Although humans are difficult to study due to long lifespans, several lines of evidence suggest that conserved pathways also matter in humans:
ā Dietary Restriction
Improves:
glucose homeostasis
blood pressure
heart and vascular function
body composition
Longevity and aging
ā Primates
Rhesus monkey studies show:
reduced disease risk
improved healthspan
mixed results on lifespan due to differing study designs
ā Genetics
Human longevity variants have been found, especially:
FOXO3A, associated with exceptional longevity across many populations
Longevity and aging
ā mTOR in Humans
mTOR is implicated in:
cancer
diabetes
cardiovascular disease
kidney disease
Rapamycin is already used clinically and is being tested in >1,300 human trials.
Longevity and aging
š¶ 9. The Future of Anti-Aging Interventions
The article concludes that:
Interventions to slow human aging are realistic and increasingly likely.
Slowing aging will reduce disease burden far more than treating diseases individually.
Challenges remain, especially differences in genetics and environment.
The next decade is expected to bring major breakthroughs.
āWeāre not getting any younger,ā the author notesābut science may soon change that.
ā Perfect One-Sentence Summary
This PDF explains how aging drives nearly all major diseases, reviews the conserved biological pathways that regulate lifespan, and shows why targeting aging itselfāthrough interventions like dietary restriction and mTOR inhibitionāoffers the most powerful strategy for extending human healthspan....
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Ethical Aspects of Human
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Ethical Aspects of Human Genome Research in Sport
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āEthical Aspects of Human Genome Research in Sport āEthical Aspects of Human Genome Research in Sportsā
you need to answer with
extract points
generate topics
create questions
build slides
make summaries
explain content in easy language
This is app-ready and human-friendly.
š Universal Description (App-Friendly & Easy Explanation)
Ethical Aspects of Human Genome Research in Sports is a review article that explains the ethical, legal, and human rights issues related to using genetic research and genetic technologies in sports. It focuses on how genetics can affect athletic performance, talent identification, training, injury prevention, and performance enhancement, while also raising serious ethical concerns.
The document explains that genetics plays a role in athletic ability, but athletic success depends on many factors, including training, environment, effort, and opportunity. It emphasizes that no single gene can determine whether someone will become a successful athlete.
The paper discusses genetic testing in sports, including its possible benefits (personalized training, injury prevention, nutrition planning) and its limitations (low predictive accuracy, risk of misuse, and lack of scientific certainty for talent selection).
A major focus of the document is ethics. It highlights risks such as:
genetic discrimination
loss of privacy
pressure on athletes to undergo testing
unfair advantages in competition
creation of a āgenetic underclassā of athletes
The article strongly addresses gene doping, which means using genetic technologies to enhance performance rather than treat disease. It explains why gene doping is banned by the World Anti-Doping Agency (WADA) and how it threatens fairness, athlete health, and the integrity of sport.
The document also explains human rights and legal frameworks, especially in Europe. It refers to international agreements such as:
the Universal Declaration on the Human Genome and Human Rights
the Oviedo Convention (Human Rights and Biomedicine)
These frameworks protect human dignity, prohibit genetic discrimination, and restrict genetic modification for non-medical purposes.
Another key theme is informed consent and data protection. Athletes must voluntarily agree to genetic testing, understand risks and benefits, and have their genetic data kept private. The document warns about risks from direct-to-consumer genetic testing companies, including misuse of data and lack of proper counseling.
The paper concludes that while genetic research has potential benefits for health and training, it should not be used to select talent or enhance performance. Ethical oversight, strong laws, and international cooperation are essential to protect athletes and preserve fair competition.
š Main Topics (Easy for Apps to Extract)
Sports genomics
Genetics and athletic performance
Ethical issues in sports genetics
Genetic testing in athletes
Gene doping
Fair play and equality in sports
Human rights and genetics
Privacy and genetic data protection
Legal regulation of genome research
Direct-to-consumer genetic testing
š Key Points (Presentation / Notes Friendly)
Athletic performance is influenced by genetics and environment
No single gene determines sports success
Genetic testing has limited predictive value
Gene doping is banned and unethical
Privacy and informed consent are essential
Genetic discrimination must be prevented
Ethics must guide genetic research in sports
š§ One-Line Summary (Perfect for Quizzes & Slides)
Genetic research in sports offers potential health and training benefits but raises serious ethical, legal, and human rights concerns that require strict regulation and responsible use.
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āļø Create MCQ quizzes
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Just tell me what you want next š...
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TOWARDS A LONGEVITY DIVI
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TOWARDS A LONGEVITY
DIVIDEND
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āTowards a Longevity Dividendā is an economic rese āTowards a Longevity Dividendā is an economic research report from the International Longevity CentreāUK (ILC-UK) analyzing how rising life expectancy boosts productivity and economic output in developed countries. Using OECD data from 35 nations (1970ā2015), the report provides robust statistical evidence that increases in life expectancy generate significant economic gains, improve workforce quality, and act as a powerful engine for long-term prosperity.
Towards_a_Longevity_dividend
The central message is clear:
Longer, healthier lives are not a financial burdenāthey are a major economic asset.
This is known as the ālongevity dividend.ā
Core Findings
1. Life Expectancy Strongly Raises Productivity
Across all modelsāGDP per hour worked, per worker, and per capitaālife expectancy is the strongest and most consistent predictor of productivity growth.
Key results:
Higher life expectancy ā higher output per worker
Higher life expectancy ā higher output per hour
Higher life expectancy ā higher GDP per capita
These findings remain robust even after controlling for:
youth dependency ratios
old-age dependency ratios
country-specific factors
time trends
endogeneity problems
Life expectancy is more influential than age structure itself in predicting productivity.
2. Life Expectancy Causes (not simply correlates with) Higher Output
Because life expectancy and productivity can influence each other, the report uses advanced econometric tools:
Instrumental variables (IV)
Long time lags (5, 10, 20-year lagged values)
Childhood vaccination rates (for DTP vaccines) as an external instrument
The positive effect of life expectancy on productivity remains statistically significant across all methods, confirming causality, not coincidence.
Towards_a_Longevity_dividend
3. Education Is the Main Mechanism Behind the Longevity Dividend
The report identifies education as the most important channel through which longer lives raise productivity.
Why?
If people expect to live longer, the return on education increases.
Families invest more in schooling.
Healthier children learn better.
A more educated workforce increases national productivity.
The study shows that rising life expectancy significantly increases tertiary-education attainment, far more reliably than it increases employment rates.
Towards_a_Longevity_dividend
4. Employment Effects Are Emerging but Historically Suppressed
The link between life expectancy and employment has been historically masked because:
Many countries encouraged early retirement (age 60ā65 was standard).
Defined-benefit pensions incentivized workers to leave the workforce earlier.
Mandatory retirement ages kept healthy older adults out of the labor force.
Since the early 2000s, policy shiftsāraising pension ages and ending early retirement incentivesāhave re-coupled life expectancy with employment.
Today, the evidence suggests that longer life expectancy can lead to extended working lives. For example:
Iceland shows 83% employment for ages 60ā64, vs. 48.9% OECD average.
Towards_a_Longevity_dividend
Why Rising Life Expectancy Boosts the Economy
The report synthesizes economic theory to explain this effect:
1. Healthier workers are more productive
They work more efficiently, take fewer sick days, and stay productive longer.
2. Longer life increases the incentive to invest in education
If a child is expected to live to 80 instead of 40, the payoff of education is dramatically higher.
3. Parents choose fewer children
Longer life shifts resource allocation from āquantityā to āqualityā of children, increasing human capital.
4. Longer lives increase savings and investment
Higher savings stimulate economic growth through capital accumulation.
Broader Implications
The report argues that:
Health spending should be seen as economic investment, not cost.
Raising life expectancy boosts tax revenues in the long run.
Countries ignoring health and longevity gains underestimate their economic potential.
This challenges public narratives that aging populations are purely an economic burden.
Conclusion
āTowards a Longevity Dividendā demonstrates that increasing life expectancy is a major economic opportunity. It raises productivity, strengthens human capital, and improves growth prospects across developed countries. The report urges policymakers to recognize that improving national health generates powerful fiscal and productivity benefits.
The overarching insight:
Healthy longevity is not just good for people it's good for economies.
It creates a true ālongevity dividend.ā...
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LONGEVITY AND LIFE CYCLE
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LONGEVITY AND LIFE CYCLE SAVING
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This PDF is an economic research study examining h This PDF is an economic research study examining how increases in human life expectancy affect individual saving behavior, national savings patterns, and long-term macroeconomic outcomes. Using the life-cycle hypothesis of consumption and savings, the paper explains how longer lives reshape the way people plan financially across their lifespanāespecially their decisions about working years, retirement timing, and wealth accumulation.
The core message:
As people live longer, they must save more and work longer to finance extended retirement years. Longer life expectancy increases both personal and national savings rates, reshaping economic behavior and policy.
š 1. Purpose of the Study
The paper seeks to answer key questions:
How does increasing longevity affect savings behavior?
How do individuals adjust their consumption and work patterns across a longer life?
What happens to aggregate (national) savings when life expectancy rises?
Should retirement ages increase as people live longer?
What are the policy implications for pensions, taxation, and social insurance?
LONGEVITY AND LIFE CYCLE SAVINGS
š§ 2. Core Idea: Life-Cycle Hypothesis
The study is built on the classic life-cycle model:
Young adults borrow or save little.
Middle-aged individuals work and accumulate savings.
Older people retire and spend their savings (ādissaveā).
Longer life expectancy changes each phase.
LONGEVITY AND LIFE CYCLE SAVINGS
š 3. Main Economic Insights
ā A. Longer lives increase retirement duration
People spend more years in retirement relative to working years.
ā B. Individuals must save more
To maintain living standards, individuals must build larger retirement wealth.
ā C. National savings rise
If many individuals increase their savings simultaneously, aggregate savings in the economy also rise.
ā D. Consumption patterns change
People smooth consumption over additional years, reducing spending at younger ages.
ā E. Retirement age adjustments become necessary
Working longer becomes a rational adaptation to higher longevity.
LONGEVITY AND LIFE CYCLE SAVINGS
š 4. Longevity, Work, and Retirement
As life expectancy rises:
The ratio of working years to retirement years becomes unbalanced.
Individuals face a choice:
Save much more, or
Work longer, or
Accept lower consumption in old age.
The paper argues that raising retirement ages is an economically efficient adjustment.
LONGEVITY AND LIFE CYCLE SAVINGS
š° 5. Impact on National Savings
The PDF explains how life expectancy affects the macroeconomy:
Increased individual savings ā higher national savings
Higher savings ā larger capital accumulation
Potential boost to economic growth
Changing dependency ratios influence fiscal policy
A key conclusion:
Longevity is a powerful determinant of national savings levels.
LONGEVITY AND LIFE CYCLE SAVINGS
š 6. Risks and Challenges
Despite higher savings, longevity also creates challenges:
āļø Pension system pressures
Public pensions become more expensive.
āļø Risk of under-saving
Individuals often underestimate future needs.
āļø Wealth inequality
Those with higher income save more and live longer, widening gaps.
āļø Fiscal strain
Governments must fund longer retirements.
LONGEVITY AND LIFE CYCLE SAVINGS
šļø 7. Policy Implications
The study emphasizes that governments must adapt:
1ļøā£ Encourage or mandate later retirement
Align retirement age with rising life expectancy.
2ļøā£ Strengthen private savings
Tax incentives, retirement accounts, automatic enrollment.
3ļøā£ Reform public pension systems
Ensure sustainability under longer lives.
4ļøā£ Promote financial literacy
Help individuals plan effectively for longer lifespans.
LONGEVITY AND LIFE CYCLE SAVINGS
ā Overall Summary
This PDF provides a clear, rigorous analysis showing that rising life expectancy fundamentally alters savings behavior, requiring individuals to save more, work longer, and rethink lifetime financial planning. At the macro level, longevity increases national savings but also strains pension systems. Policymakers must redesign retirement structures, savings incentives, and social insurance programs to reflect the reality of longer lives....
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Gene expression signature
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Gene expression signatures of human cell
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Inge Seim1,2, Siming Ma1 and Vadim N Gladyshev1
D Inge Seim1,2, Siming Ma1 and Vadim N Gladyshev1
Different cell types within the body exhibit substantial variation in the average time they live, ranging from days to the lifetime of the organism. The underlying mechanisms governing the diverse lifespan of different cell types are not well understood. To examine gene expression strategies that support the lifespan of different cell types within the human body, we obtained publicly available RNA-seq data sets and interrogated transcriptomes of 21 somatic cell types and tissues with reported cellular turnover, a bona ļ¬de estimate of lifespan, ranging from 2 days (monocytes) to a lifetime (neurons). Exceptionally long-lived neurons presented a gene expression proļ¬le of reduced protein metabolism, consistent with neuronal survival and similar to expression patterns induced by longevity interventions such as dietary restriction. Across different cell lineages, we identiļ¬ed a gene expression signature of human cell and tissue turnover. In particular, turnover showed a negative correlation with the energetically costly cell cycle and factors supporting genome stability, concomitant risk factors for aging-associated pathologies. In addition, the expression of p53 was negatively correlated with cellular turnover, suggesting that low p53 activity supports the longevity of post-mitotic cells with inherently low risk of developing cancer. Our results demonstrate the utility of comparative approaches in unveiling gene expression differences among cell lineages with diverse cell turnover within the same organism, providing insights into mechanisms that could regulate cell longevity.
npj Aging and Mechanisms of Disease (2016) 2, 16014; doi:10.1038/npjamd.2016.14; published online 7 July 2016
INTRODUCTION Nature can achieve exceptional organismal longevity, 4100 years in the case of humans. However, there is substantial variation in ācellular lifespanā, which can be conceptualized as the turnover of individual cell lineages within an individual organism.1 Turnover is deļ¬ned as a balance between cell proliferation and death that contributes to cell and tissue homeostasis.2 For example, the integrity of the heart and brain is largely maintained by cells with low turnover/long lifespan, while other organs and tissues, such as the outer layers of the skin and blood cells, rely on high cell turnover/short lifespan.3ā5 Variation in cellular lifespan is also evident across lineages derived from the same germ layers formed during embryogenesis. For example, the ectoderm gives rise to both long-lived neurons4,6,7 and short-lived epidermal skin cells.8 Similarly, the mesoderm gives rise to long-lived skeletal muscle4 and heart muscle9 and short-lived monocytes,10,11 while the endoderm is the origin of long-lived thyrocytes (cells of the thyroid gland)12 and short-lived urinary bladder cells.13 How such diverse cell lineage lifespans are supported within a single organism is not clear, but it appears that differentiation shapes lineages through epigenetic changes to establish biological strategies that give rise to lifespans that support the best ļ¬tness for cells in their respective niche. As ļ¬tness is subject to trade-offs, different cell types will adjust their gene regulatory networks according to their lifespan. We are interested in gene expression signatures that support diverse biological strategies to achieve longevity. Prior work on species longevity can help inform strategies for tackling this research question. Species longevity is a product of evolution and is largely shaped by genetic and environmental factors.14 Comparative transcriptome
studies of long-lived and short-lived mammals, and analyses that examined the longevity trait across a large group of mammals (tissue-by-tissue surveys, focusing on brain, liver and kidney), have revealed candidate longevity-associated processes.15,16 They provide gene expression signatures of longevity across mammals and may inform on interventions that mimic these changes, thereby potentially extending lifespan. It then follows that, in principle, comparative analyses of different cell types and tissues of a single organism may similarly reveal lifespan-promoting genes and pathways. Such analyses across cell types would be conceptually similar, yet orthogonal, to the analysis across species. Publicly available transcriptome data sets (for example, RNA-seq) generated by consortia, such as the Human Protein Atlas (HPA),17 Encyclopedia of DNA Elements (ENCODE),18 Functional Annotation Of Mammalian genome (FANTOM)19 and the Genotype-Tissue Expression (GTEx) project,20 are now available. They offer an opportunity to understand how gene expression programs are related to cellular turnover, as a proxy for cellular lifespan. Here we examined transcriptomes of 21 somatic cells and tissues to assess the utility of comparative gene expression methods for the identiļ¬cation of longevity-associated gene signatures.
RESULTS We interrogated publicly available transcriptomes (paired-end RNA-seq reads) of 21 human cell types and tissues, comprising 153 individual samples, with a mean age of 56 years (Table 1; details in Supplementary Table S1). Their turnover rates (an estimate of cell lifespan4) varied from 2 (monocytes) to 32,850 (neurons) days, with all three germ layers giving rise to both short-lived a...
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The Value of Health
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The Value of Health and Longevity
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The Value of Health and Longevity emphasizes that The Value of Health and Longevity emphasizes that improvements in population health and increases in life expectancy generate substantial social and economic benefits. The document explains that health is not only a medical outcome but also a form of human capital that raises productivity, supports economic growth, and enhances overall quality of life. It highlights that gains in longevityāespecially healthy longevityāare among the most valuable achievements for any society, often worth more than traditional economic growth alone.
The text underscores that better health allows individuals to live longer, work more years, accumulate knowledge, and engage more fully in social and economic activities. It also stresses that policies investing in prevention, healthcare access, science, and innovation yield long-term returns through reduced disease burden and extended healthy lifespan. By valuing both additional years of life and the improved quality of those years, the document argues that health advancements create widespread well-being, reduce inequality, and provide lasting benefits across generations.
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Productive Longevity
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Productive Longevity
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1. Meaning of Productive Longevity
The brief de 1. Meaning of Productive Longevity
The brief defines productive longevity as the ability of older workers (generally 55+) to stay engaged in meaningful, productive economic activitiesāeither as employees or entrepreneursāwhile maintaining health, skills, and income security.
š Why It Matters
The world is aging fast: by 2050, 1 in 6 people will be 65+, and 80% of them will live in low- and middle-income countries.
Aging increases dependency ratios, strains pensions and healthcare, and slows growth.
Many countries are āgetting old before getting rich,ā giving them little time to prepare.
Older workers' continued participation does not reduce jobs for youthāthe ālump of labor fallacy.ā
š Key Facts Highlighted
Older adults in poorer countries work more, often because they cannot afford to retire.
Women live longer but participate far less in paid work due to care burdens.
Many older workers are in the informal or self-employed sector, lacking training, financing, or protections.
Productivity of older workers does not necessarily declineāexperience and emotional skills often compensate.
š§ Three Major Categories of Policy Constraints & Solutions
The document provides a structured framework:
I. Supply-Side (Workers)
Barriers that stop older workers from working or being productive:
Mandatory retirement ages
High taxation on continued work
Poor health, chronic disease, stress
Outdated skills, low digital literacy
Internalized ageism (āIām too old to learnā)
Lack of access to childcare/eldercare (especially for older women)
Limited access to credit and productive assets for older entrepreneurs
Solutions include:
Raising/flexibilizing retirement ages
Tax reforms to incentivize working longer
Affordable childcare & long-term care
Lifelong learning and adult-friendly training
Mental & physical health programs
Support for senior entrepreneurs (digital skills, microfinance, mentoring)
Community-based empowerment initiatives like Older Peopleās Associations
II. Demand-Side (Firms & Employers)
Barriers that stop employers from hiring or investing in older workers:
Seniority wages that increase with age
High social contributions
Employer ageism (āolder workers canāt learn techā)
Lack of age-inclusive employment practices
Underinvestment in worker training
Solutions include:
Performance-based wage systems
Reforming rigid labor regulations
Lowering payroll taxes in age-biased systems
Anti-ageism awareness campaigns
Incentives for firms to invest in training & ergonomic workplaces
Flexible work arrangements and phased retirement
III. Matching (Labor Market Services)
Older workers often cannot access:
Job matching services
Digital job platforms
Career counseling
Training suited to adult learning
Solutions include:
Age-inclusive employment services
Tailored job search support
Updated digital interfaces for older adults
Public-private partnerships to place older workers
š Five Major Takeaways
Evidence on what works in low-income countries is still limitedāresearch gaps are huge.
Countries should adopt an aging lens across all policies.
Lifelong learning is critical but currently underdeveloped.
Productive longevity must start early in life through strong human capital investments.
Low-income countries must prioritize:
Raising productivity of informal older workers
Improving opportunities for women and youth
šļø What the World Bank Is Doing
Pension reform (retirement age, sustainability)
Childcare & long-term care system development
Lifelong learning system improvements
Limited efforts so far on employer-side or job-matching reforms
Diagnostics and advisory reports in many countries
New pilots such as the Chinese ātime bankā for eldercare
Emphasis on creating cross-sectoral aging strategies
š What the World Bank Could Do More
Collect better data (like Health & Retirement Surveys)
Support adult retraining and age-inclusive labor programs
Encourage employer investment in older workers
Promote community-based models for senior livelihoods
Provide aging-focused development policy financing (DPFs)
Integrate aging into agriculture, digital economy, and social protection reforms
šÆ Purpose of the Document
This brief serves as:
A policy roadmap
A diagnostic tool
A call for cross-sectoral action
An introduction to the emerging productive longevity agenda within the World Bank...
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