In this work, we present a cost-effective, lithography-free, wafer-scale thermal emitter with angle- and polarization-selective dual-wavelength narrowband characteristics enabling infrared information encryption and decryption.

The credibility of carbon offsets is frequently challenged by the scientific community, which has shown methodological shortcomings when evaluating baseline scenarios. An international research team coordinated by INRAE and involving the Toulouse School of Economics, Université Paris Dauphine-PSL and the Institut Agro has suggested carrying out a systematic and rigorous evaluation of the impacts of these credits. The study was published in Nature Sustainability.

Prior research has shown that people who are more comfortable taking financial risks tend to feel more confident about retiring. But new research by Rao, McDermott Centennial Chair in Banking and Finance and director of the Langston Wealth Management Center at Texas McCombs, sheds light on why.

The key variable, he finds, is subjective financial knowledge, or SFK: not what people know about money, but what they believe they know. People with higher levels of SFK are more likely to tolerate risk and to feel they’ve saved enough for retirement.