Researchers Greatly Improve Evolutionary Tree of Life for Mammals

An international research team led by biologists at the University of California, Riverside and Texas A&M University has released for the first time a large and robust DNA matrix that has representation for all mammalian families. The matrix – the culmination of about five years of painstaking research – has representatives for 99 percent of mammalian families, and covers not only the earliest history of mammalian diversification but also all the deepest divergences among living mammals.

“This is the first time this kind of dataset has been put together for mammals,” said Mark Springer, a professor of biology at UC Riverside, who co-led the research project with William Murphy, an associate professor of genetics at Texas A&M. “Until now, no one has been able to assemble this kind of matrix, based on DNA sequences from many different genes, to examine how the different families of mammals are related to each other. This dataset, with all the sequences we generated, provides a large and reliable foundation – a springboard – for biologists to take the next leap in this field of work. We can now progress from phylogeny that has representatives for all the different mammalian families to phylogenies that have representatives for genera and species.”

Phylogeny is the history of organismal lineages as they change through time. A vast evolutionary tree, called the Tree of Life, represents the phylogeny of organisms, the genealogical relationships of all living things.

As most introductory biology textbooks will show, organisms are biologically classified according to a hierarchical system characterized by seven main taxonomic ranks: kingdom, phylum or division, class, order, family, genus, species. For example, humans are known taxonomically as Homo sapiens. Their genus is Homo, the family is Hominidae, the order is Primates and the class is Mammalia.

To date divergence times on their phylogeny of mammalian families, Springer and colleagues used a “relaxed molecular clock.” This kind of molecular clock allows for the use of multiple rates of evolution instead of using one rate of evolution that governs all branches of the Tree of Life. They also used age estimates for numerous fossil mammals to calibrate their time tree.

“We need to have calibrations to input into the analysis so that we know, for example, that elephants and their nearest relatives have been separate from each other since at least the end of the Paleocene – more than 55 million years ago,” Springer said. “We were able to put together a diverse assemblage of fossil calibrations from different parts of the mammalian tree, and we used it in conjunction with molecular information to assemble the most robust time tree based on sequenced data that has been developed to date.”

Study results appear today (Sept. 22) in Science Express.

“This study is the beginning of a larger plan to use large molecular data sets and sophisticated techniques for dating and estimating rates of diversification to resolve much larger portions of the mammalian tree, ultimately including all described species, as well as those that have gone recently extinct or for which only museum material may be available,” Murphy said. “Only then can we really begin to understand the role of the environment and events in earth history in promoting the generation of living biodiversity. This phylogeny also serves as a framework to understand the history of the unique changes in the genome that underlie the vast morphological diversity observed in the more than 5400 living species of mammals.”

Springer explained that the research team looked for spikes in the diversification history of mammals and used an algorithm to determine whether the rate of diversification was constant over time or whether there were distinct pulses of rate increases or decreases. The researchers found an increase in the diversification rate 80-82 million years ago, which corresponds to the time – specifically, the end of the Cretaceous Terrestrial Revolution – when a lot of different orders were splitting from each other.

“This is when flowering plants diversified, which provided opportunities for the diversification of small mammals,” Springer said.

Springer and colleagues also detected a second spike in the diversification history of mammals at the end of the Cretaceous – 65.5 million years ago, when dinosaurs, other large terrestrial vertebrates, and many marine organisms went extinct, opening up a vast ecological space.

“Such ecological voids can get filled quickly,” Springer explained. “We see that in mammals, even though different orders such as primates and rodents split from each other back in the Cretaceous, the orders did not diversify into their modern representations until after the Cretaceous, 65.5 million years ago. The void seems to have facilitated the radiation – that is, branching in conjunction with change – of different orders of several mammals into the adaptive zones they occupy today. After the Cretaceous, we see increased diversification, with some lineages becoming larger and more specialized.”

The researchers stress that their time tree is a work in progress. In the next two years, they expect to construct a supermatrix, also based on gene sequences, and include the majority of living mammalian species. The current work incorporates 164 mammalian species.

“Our phylogeny, underpinned by a large number of genes, sets the stage for us to understand how the different mammalian species are related to each other,” Springer said. “That will help us understand when these species diverged from each other. It will allow us to look for taxonomic rates of increase or decrease over time in different groups in various parts of the world so that we can understand these diversification rate changes in relationship to important events in Earth’s history – such as the diversification of flowering plants and changes associated with climatic events. Researchers routinely make use of phylogenies in diverse fields such as ecology, physiology, and biogeography, and the new phylogeny for mammalian families provides a more accurate framework for these studies.

“When you understand how taxa are related to each other,” Springer added, “you can start to understand which changes at the genome level underpin key morphological changes associated with, say, flight and echolocation in bats or loss of teeth in toothless mammals. In other words, you can pinpoint key molecular changes that are associated with key morphological changes. This would be extremely difficult, if not altogether impossible, without the kind of robust molecular phylogeny we have developed.”

The research team also reports that their results contradict the “delayed rise of present-day mammals” hypothesis. According to this hypothesis, introduced by a team of scientists in a 2007 research paper, the ancestors of living mammals underwent a pulse of diversification around 50 million years ago, possibly in response to the extinction of archaic mammals that went extinct at the end of the Paleocene (around 56 million years ago). The earlier extinction event around 65.5 million years ago, which resulted in the demise of the dinosaurs, had no effect on the diversification of the ancestors of extant mammals, according to the 2007 research paper.

“Our analysis shows that the mass extinction event 65.5 million years ago played an important role in the early diversification and adaptive radiation of mammals,” Springer said. “The molecular phylogeny we used to develop the matrix is far more reliable and accurate, and sets our work apart from previous studies.”

Springer and Murphy were joined in the study by researchers at UCR; the San Diego Zoo’s Institute for Conservation Research, Calif.; University College Dublin, Ireland; PUCRS, Brazil; Eidgenössiche Technische Hochschule Zurich, Switzerland; UC Berkeley; Pepperdine University, Calif.; American Museum of Natural History, NY; University of Stellenbosch, South Africa; Chaffey College, Calif.; LaTrobe University, Australia; and Washington and Lee University, Virginia.

The UCR researchers include John Gatesy, an associate professor of biology; Robert Meredith, a postdoctoral researcher and the first author of the research paper; Angela Burk-Herrick, a former postdoctoral researcher; and Nadia A. Ayoub, also a former postdoctoral researcher. Jan E. Janecka, a research assistant professor, and graduate student Colleen Fisher in Murphy’s research group performed the bulk of the lab work at Texas A&M.

Springer’s and Murphy’s labs were supported by grants from the National Science Foundation.

Personal Loans

Personal loans are loans that are for personal needs, basically any need that does not fall under a “traditional” loan such as an auto or home loan. A personal loan is usually unsecured, meaning the borrower does not put up any collateral to secure the loan. This is the highest risk loan for the lending institution.

Personal loans are great in emergency situations. You may secure a personal loan to pay an unexpected car repair, a huge electric bill, emergency cash for a vacation, or even to buy a band instrument for a child etc.

Personal loans are usually small amounts. The loan process for a personal loan is usually not very long due to the fact the amount is small and amount of time to pay the loan is usually short. A personal loan can generally be approved within 24 hours and the money can be in your hand or your checking account within a short amount of time as well.

A personal loan does not require a formal closing which speeds the process up. A loan officer alone can usually approve a personal loan on their own. The process usually involves the application, the promissory note being signed and a schedule for payment being set. The loan officer also sets the interest rate and the amount of payments to be paid for the prescribed amount of time.
Financial assistance can be provided by grants for single mothers

Personal loans are really the most “low fuss” loan that can be secured. The application process is short and the loan itself requires no formal closing. Personal loans are usually small in amount and the amount of time to pay them back is usually shorter than any other loan. Personal loans are used for items that don’t all into any other category. They may be made for a vacation, a large unexpected repair or even a band instrument for your child.

Personal loans are of the unsecured type. This means there is no collateral or security put up to protect the lender from default so it is the biggest risk for the lender.

The application process for a personal loan is the shortest application process of most loans available.

Use a Personal Loan to Consolidate Your Debt

Using a personal loan for consolidating debt is a good option for many bad creditors. As with a bad credit personal loan, burrowers do not have to undergo a stiff credit check, it is easy fro them to get the loan just by applying for it. Again, money gets deposited within 24 hours into the burrower’s checking account just after the approval process. These types of loan s the best solution for any emergency situations; again the burrower has options to re-pay the loan at a good monthly interest rate. Whether the burrower has a debt consolidation or a huge bill to pay, the personal loans are one of the best options for them.

Typically, these loans are unsecured types of loan and hence don’t require any collateral from the burrower. However, the loan is up to $1,500 and usually don’t exceed this amount. The loan officers also assist the burrowers to make the application more appealing; they often advise the burrowers to opt for a smaller amount of money and to take a re-payment structure over a longer period of time. In this way, the burrower gets a lower monthly payment and also easily gets qualified for the loan. The loan officer has also authority to determine whether the burrower’s income is enough for the repayment of the loan and checks if it is steady or not. Hence, it is advisable for the burrower to have a steady income before applying for such loan to avoid any rejection.

The application process for such personal loan or grants for single mothers is relatively quicker than other types of loans. Again, it also does not require a formal closing all the time. Usually, the application process starts by form filling with written application and then a promissory note needs to be sent to the lender with a re-payment schedule fro the loan. Above all, these loans include minimal paperwork than any other loans and easily get approved.

Usually this loan doesn’t include any penalty for early payment. The burrower also has options to extend the repayment up to 84months without any extra charge. So, either for debt consolidation or any other payment these loans are easy to get for the burrowers even with a bad credit.

Palmyra Area School District teachers reject contract proposal

PALMYRAPalmyra Area School District teachers overwhelmingly rejected a two-year contract proposal Thursday that would have frozen salaries for one year and cut tuition reimbursement, officials said.

Teachers offered to accept a pay freeze for 2011-12, said Nate Greenawalt, union negotiator, but felt the district overstepped and went little too far than what was necessary in proposed give-backs.

We are not opposed to reducing that and helping the district to save some costs, but the teachers felt the districts proposal and tentative agreement reached went farther than they could accept, he said, particularly in the area of tuition reimbursement.

I understand the teachers and how they feel, and I respect them. It is a difficult situation were in. Im confident we will be able to come to an agreement, and hopefully theyll understand why we taking the approach were taking, said George Downey, Palmyra school board president.

Both sides have agreed not to discuss specifics of proposals during negotiations, Greenawalt said.

The other Lebanon County school districts pay for 12 credits per teacher per year at the average Penn State rate, Greenawalt said. Teachers are required by state law to earn 24 graduate credits in six years.

  Palmyras 250 teachers will continue to work under the current contract, which expires Wednesday, Greenawalt said. We are very anxious to get back to the bargaining table and reach an agreement, he said.

Administrators in the district have agreed to give back their raises for 2012-13, Downey said.