How trust in financial supplier information impacts young adults' financial information involvement: The moderating roles of product savings risk and social norm

Although consumers' risk‐taking, supplier trust, social norms and information involvement are central to much of thought in the financial market and consumer economic literature, it is not known how the interplay between consumers' trust in supplier information, risk‐taking behaviour and social norm may influence information involvement. This research contributes to the consumer economic literature by investigating how product savings risk and social norm affect the relationship between young adults' trust in supplier information and their information involvement. On the basis of two samples with young adults who recently have purchased a low‐risk savings product (n = 641) and a high‐risk savings product (n = 219), respectively, several results are obtained. It is found that both product savings risk and social norm positively moderate the relationship between young adults' trust in supplier information and their information involvement. In addition, the results indicate that the three‐way interaction between trust in supplier information, products savings risk and social norm has a positive effect on information involvement. As direct implications, financial authorities and financial service managers should especially consider investing additional resources in developing information trust for high‐risk savings products and should also take social norms into account when considering young adults' high‐risk‐taking behaviour. Copyright © 2017 John Wiley & Sons, Ltd.     

Human perceptual performance with nonliteral imagery: region recognition and texture-based segmentation

In this study the authors address the issue of how the perceptual usefulness of nonliteral imagery should be evaluated. Perceptual performance with nonliteral imagery of natural scenes obtained at night from infrared and image-intensified sensors and from multisensor fusion methods was assessed to relate performance on 2 basic perceptual tasks to fundamental characteristics of the imagery. Specifically, single-sensor imagery and fused multisensor imagery (both achromatic and false color) were used to test performance on a region recognition task and a texture segmentation task. Results indicate that the use of color rendering and type of scene content play specific roles in determining perceptual performance allowed by nonliteral imagery. The authors argue that the usefulness of various image-rendering methods should be evaluated with respect to multiple perceptual tasks.     

Electronic doors to education: study of high school website accessibility in Iowa

The Americans with Disabilities Act (ADA), and Sections 504 and 508 of the Rehabilitation Act, prohibit discrimination against people with disabilities in all aspects of daily life, including education, work, and access to places of public accommodations. Increasingly, these antidiscrimination laws are used by persons with disabilities to ensure equal access to e-commerce, and to private and public Internet websites. To help assess the impact of the anti-discrimination mandate for educational communities, this study examined 157 website home pages of Iowa public high schools (52% of high schools in Iowa) in terms of their electronic accessibility for persons with disabilities. We predicted that accessibility problems would limit students and others in obtaining information from the web pages as well as limiting ability to navigate to other web pages. Findings show that although many web pages examined included information in accessible formats, none of the home pages met World Wide Web Consortium (W3C) standards for accessibility. The most frequent accessibility problem was lack of alternative text (ALT tags) for graphics. Technical sophistication built into pages was found to reduce accessibility. Implications are discussed for schools and educational institutions, and for laws, policies, and procedures on website accessibility.     

Differences in early parent-child conversations about negative versus positive emotions: implications for the development of psychological understanding

The authors examined whether the quality and content of everyday parent-child conversations about negative emotions are the same or different from everyday talk about positive emotions. Extensive longitudinal speech samples of 6 children and their parents were analyzed for several critical features when the children were between 2 and 5 years of age. Results showed that children and parents talked about past emotions, the causes of emotions, and connections between emotions and other mental states at higher rates during conversations about negative emotions than during conversations about positive emotions. Discourse about negative emotions also included a larger emotion vocabulary, more open-ended questions, and more talk about other people. These differences appeared before the children's 3rd birthdays and remained consistent through the preschool years. The findings strengthen and clarify current understanding of young children's articulation and knowledge about people's minds, lives, and emotions.     

Orthographic neighborhood size,number of word meanings,and number of higher frequency neighbors

The present lexical decision task experiment examined orthographic (large, medium, small), number-of-meanings (ambiguous, unambiguous), and number of higher frequency neighbors (few, many), factors that have to date not been studied simultaneously. For both mean reaction time and percentage error, the critical three-way interaction between these factors was significant. Breakdown of this interaction revealed that the ambiguity effect (unambiguous-ambiguous) decreased as neighborhood size increased, but only when there were many higher frequency neighbors in the neighborhood. These results appear inconsistent with serial search models but are understandable within the context of interactive-activation models of word recognition.     

Limited‐information goodness‐of‐fit testing of diagnostic classification item response models

Despite the growing popularity of diagnostic classification models (e.g., Rupp et al., 2010, Diagnostic measurement: theory, methods, and applications, Guilford Press, New York, NY) in educational and psychological measurement, methods for testing their absolute goodness of fit to real data remain relatively underdeveloped. For tests of reasonable length and for realistic sample size, full‐information test statistics such as Pearson's X² and the likelihood ratio statistic G² suffer from sparseness in the underlying contingency table from which they are computed. Recently, limited‐information fit statistics such as Maydeu‐Olivares and Joe's (2006, Psychometrika, 71, 713) M₂ have been found to be quite useful in testing the overall goodness of fit of item response theory models. In this study, we applied Maydeu‐Olivares and Joe's (2006, Psychometrika, 71, 713) M₂ statistic to diagnostic classification models. Through a series of simulation studies, we found that M₂ is well calibrated across a wide range of diagnostic model structures and was sensitive to certain misspecifications of the item model (e.g., fitting disjunctive models to data generated according to a conjunctive model), errors in the Q‐matrix (adding or omitting paths, omitting a latent variable), and violations of local item independence due to unmodelled testlet effects. On the other hand, M₂ was largely insensitive to misspecifications in the distribution of higher‐order latent dimensions and to the specification of an extraneous attribute. To complement the analyses of the overall model goodness of fit using M₂, we investigated the utility of the Chen and Thissen (1997, J. Educ. Behav. Stat., 22, 265) local dependence statistic $X_{\mathrm{LD}}^2$ for characterizing sources of misfit, an important aspect of model appraisal often overlooked in favour of overall statements. The $X_{\mathrm{LD}}^2$ statistic was found to be slightly conservative (with Type I error rates consistently below the nominal level) but still useful in pinpointing the sources of misfit. Patterns of local dependence arising due to specific model misspecifications are illustrated. Finally, we used the M₂ and $X_{\mathrm{LD}}^2$ statistics to evaluate a diagnostic model fit to data from the Trends in Mathematics and Science Study, drawing upon analyses previously conducted by Lee et al., (2011, IJT, 11, 144).     

Attention deficit hyperactivity disorder among inmates in Bergen Prison

The aim of this study was to investigate whether clinical findings are consistent with research indicating a high prevalence of attention deficit hyperactivity disorder (ADHD) among prison inmates. Forty‐three male inmates who were referred for ADHD assessment at the health service in Bergen prison participated. Although most of them reported symptoms in accordance with ADHD both in childhood and adulthood, only 35% of the referred inmates fulfilled the criteria for ADHD when a comprehensive assessment was conducted. The results emphasize the importance of a comprehensive assessment when diagnosing ADHD among prison inmates.     

Visually induced gains in pitch discrimination: Linking audio-visual processing with auditory abilities

Perception is fundamentally a multisensory experience. The principle of inverse effectiveness (PoIE) states how the multisensory gain is maximal when responses to the unisensory constituents of the stimuli are weak. It is one of the basic principles underlying multisensory processing of spatiotemporally corresponding crossmodal stimuli that are well established at behavioral as well as neural levels. It is not yet clear, however, how modality-specific stimulus features influence discrimination of subtle changes in a crossmodally corresponding feature belonging to another modality. Here, we tested the hypothesis that reliance on visual cues to pitch discrimination follow the PoIE at the interindividual level (i.e., varies with varying levels of auditory-only pitch discrimination abilities). Using an oddball pitch discrimination task, we measured the effect of varying visually perceived vertical position in participants exhibiting a wide range of pitch discrimination abilities (i.e., musicians and nonmusicians). Visual cues significantly enhanced pitch discrimination as measured by the sensitivity index d’, and more so in the crossmodally congruent than incongruent condition. The magnitude of gain caused by compatible visual cues was associated with individual pitch discrimination thresholds, as predicted by the PoIE. This was not the case for the magnitude of the congruence effect, which was unrelated to individual pitch discrimination thresholds, indicating that the pitch-height association is robust to variations in auditory skills. Our findings shed light on individual differences in multisensory processing by suggesting that relevant multisensory information that crucially aids some perceivers’ performance may be of less importance to others, depending on their unisensory abilities.