Practice papers personal financial services in a digital age

Co‐operative Bank Financial Advisers Ltd (CBFA) is a wholly‐owned subsidiary of the Co‐operative Bank plc. Established since 1972, it specialises in the provision of independent financial advice to personal and corporate customers across the financial services spectrum. Based in Stockport in the north‐west of the UK, CBFA conducts its business via a nationally‐based team of independent financial advisers (IFA), offering a bespoke service to customers at a mutually agreed time and location—usually bank premises, business premises or in the client's own home. In the late 1990s, CBFA faced a crisis. A number of marketplace challenges threatened the long‐term viability of its business. In this paper, one of the management team members describes how her organisation used its understanding of customer decision‐making—backed by good customer research—to regain its footing in a difficult and competitive marketplace. Copyright © 2003 Henry Stewart Publications.     

Aggression Observation Scale for Group Psychotherapy: The Next Phase

An observational scale to record aggressive behaviors, defenses, and interventions that occur during a psychotherapy group has been developed. Content and process items are included. The content items focus on the spoken material and are on a continuum of increasing group members' awareness of and responsibility for their anger. The process items are directed to underlying psychodynamic issues on a continuum from avoiding anger, to indirect and then direct expression of anger. Leader interventions (responses) are also included. The development of the scale, the Aggression Observation Scale for Group Psychotherapy (AOSGP), is described, including pilot testing and beginning reliability and validity findings. Several years later further testing has been completed and is now reported.     

The Theory of Reasoned Action as a Model of Children's Health Behavior1

This research examined the applicability of the theory of reasoned action to school‐age children. Using structural equation modeling, we longitudinally modeled children's attitudes, norms, intentions, and behavior with regard to drinking alcohol. Respondents were 1,061 children attending public schools in the northwestern United States. Attitude, norms, and intentions (measured when the children were in 6th, 7th, 8th, and 9th grades) were used to predict alcohol use 1 year later. Two modifications of the model improved the overall fit at each grade level: separating attitude into 2 dimensions (positive and negative), and adding a path from social norm to behavior. The theoretical and practical implications of these results are discussed.     

The effect of prenatal adversity on externalizing behaviors at 24 months of age in a high-risk sample: Maternal sensitivity as a moderator

The purpose of this study was to examine the moderating role of maternal sensitivity on the association between prenatal adversity and externalizing behaviors at 24 months of age in a diverse, high-risk sample. We hypothesized that among children with higher prenatal adversity, high maternal sensitivity would serve as a protective factor. Participants were 247 primarily low-income, diverse dyads. Results indicated a significant interaction effect of maternal sensitivity and prenatal adversity on externalizing problems. The association between prenatal adversity and externalizing behaviors was significant only among children who experienced low prenatal adversity, with higher maternal sensitivity associated with lower externalizing behaviors. These findings indicate that, in the absence of high prenatal risk, responsive and sensitive parenting can buffer children in an otherwise high-risk sample from the development of externalizing behaviors.     

Unrealistic optimism and genetic risk

The study examined whether life stress moderated the effects of a physical activity intervention. Women (n = 184) and 154 men (61% non-Hispanic white, average age 24 years) from an urban university participated. Data were analyzed separately for men and women using a 2 × 2 ANCOVA adjusting for baseline physical activity (intervention vs. control × high life stress vs. low stress) with total physical activity at one-year and two-year assessments as dependent variables. No significant main effect for stress or condition was found. The interaction was significant (p = 0.015) for men at one-year, indicating that men in the intervention group with high stress were more active than low stress intervention men. Instruction received in the intervention group on the stress-relieving properties of physical activity may have helped men with high stress to adopt or maintain physical activity.     

Self-Actualization and the Human Tendency for Varied Experience

This study examined whether self-actualization may be conceptualized as an expression of the human need for varied stimulation. Self-report assessment was made of Ss' level of self-actualization and preferences for kinds (cognitions, sensations) and sources (interoceptive, exteroceptive) of varied stimulation. Self-actualizing Ss differed from non-self-actualizing Ss in the amount of total stimulus-seeking behavior but not in their preference for source or kind of stimulation. Discussion of results focused upon an active-passive aspect of the need for varied experience.     

Treatment of sexual dysfunction

Abstract

This study is based on a statistical analysis of 240 client records. The task of the study was to determine the variables inherent to women with diagnosed sexual problems. Data were secured for 93 variables in four classifications—sociological, sexological, psychological, and counseling. Frequency distributions revealed sociological characteristics which were representative of young, middle-class, well-educated women, except for a greater incidence of divorce and separation. Typical sexual experiences included extramarital relationships, oral and anal intercourse, masturbation, and childhood sexual contacts with adult males who were either a member or friend of the family. Compared to other reports of sexual experience, clients showed greater frequencies of intercourse, homosexual and extramarital experience, and childhood sexual contacts with adult males, but less frequency of orgasm. In addition, mean T-scores were moderately elevated (60–69) for eight of 13 MMPI scales.     

Early family context and development of adolescent ruminative style: Moderation by temperament

We know very little about the development of rumination, the tendency to passively brood about negative feelings. Because rumination is a risk factor for many forms of psychopathology, especially depression, such knowledge could prove important for preventing negative mental health outcomes in youth. This study examined developmental origins of rumination in a longitudinal sample (N=337; 51% girls) studied in preschool (ages 3½ and 4½ years) and early adolescence (ages 13 and 15 years). Results indicated that family context and child temperament, assessed during the preschool period, were risk factors for a ruminative style in adolescence. Specifically, early family contexts characterised by over-controlling parenting and a family style of negative-submissive expressivity predicted higher levels of later rumination. These associations were moderated by children's temperamental characteristics of negative affect and effortful control. Further, the interaction of these temperament factors exerted an additional influence on later rumination. Implications for prevention and intervention efforts are discussed.