Munish Gupta
Austin
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Head of BI & Analytics at Capgemini; Dad of 2 awesome boys; love Austin; Always looking for a challenge
Articles by Munish Gupta
Policy Options Are Available Now to Lower U.S. Mortgage Rates
Rising U.S. Treasury yields have added fresh strain to the U.S. housing market. The average 30-year mortgage rate, which generally tracks the 10-year U.S. Treasury yield plus a mortgage spread, rose to 7.5% in October 2026, according to Mortgage Bankers Association data, worsening an affordability crunch that remains a top concern among U.S. households. Last week, President Donald Trump signed an executive order intended to reduce housing costs and expand access to homeownership.
Policy Options Are Available Now to Lower U.S. Mortgage Rates
Rising U.S. Treasury yields have added fresh strain to the U.S. housing market. The average 30-year mortgage rate, which generally tracks the 10-year U.S. Treasury yield plus a mortgage spread, rose to 7.5% in October 2026, according to Mortgage Bankers Association data, worsening an affordability crunch that remains a top concern among U.S. households. Last week, President Donald Trump signed an executive order intended to reduce housing costs and expand access to homeownership.
Exercise Intensity and Delivery in Cardiac Rehabilitation for Heart Failure: From Comparative Efficacy to Achieved Dose and Patient-Centred Implementation
Submitted: 15 October 2026 You are already at the latest version Exercise-based cardiac rehabilitation improves functional capacity and quality of life in clinically stable patients with heart failure, but the comparative value of high-intensity interval training (HIIT) and moderate-intensity continuous training (MCT) remains uncertain.
Incidence and risk factor profile for subcutaneous fat necrosis among newborns undergoing therapeutic hypothermia: a multi-center regional cohort
Abstract To determine the incidence, risk factors, and outcomes associated with subcutaneous fat necrosis (SCFN) in a regional cohort of newborns treated with therapeutic hypothermia (TH) for neonatal encephalopathy (NE). Data from a regional Neonatal Encephalopathy Registry was retrospectively analysed. All newborns treated with TH between 2018 and 2022 were included. The primary outcome was the incidence of SCFN. Secondary outcomes included associated risk factors and complications.
Compressing neonatal-perinatal medicine fellowship training: a critical appraisal of the American Board of Pediatrics proposed 2-year pathway
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Abstract The American Board of Pediatrics (ABP) has proposed a competency-based fellowship model offering a 2-year clinical pathway with 18 training blocks and no scholarly requirement. This position statement, representing neonatal-perinatal medicine (NPM) training program directors, division leaders, and key stakeholders, contends that the model is not viable for NPM training.
By Brooke D Vergales, Melissa Scala, Christie J. Bruno, Megan Gray, Suma Hoffman, Courtney P McLean, Deirdre O’Reilly, Vilmaris Quinones Cardona, Jennifer Brady, Lindsay Johnston, Patrick Myers, Patrick McNamara, Sara B. DeMauro, John Loyd, Jill L. Maron, Camilia R. Martin, Steven McElroy, Annemarie Stroustrup, Sarah Taylor, Trent E. Tipple, Ravi M. Patel, Shetal Shah, Clara Song, Alexis Davis, Munish Gupta, Marilyn B. Escobedo, Heather French, Cynthia Crabtree, Erynn M. Bergner
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Nature
Verified
How Policymakers Can Lower Mortgage Costs and Increase Housing Affordability
Ever since the pandemic – when surging housing demand collided with a decade of underbuilding – housing affordability has become an increasingly important political issue and a larger focus for policymakers.
How Policymakers Can Lower Mortgage Costs and Increase Housing Affordability
Still, policymakers could more effectively limit potential investor crowding-out without Congress; the GSEs could limit the number of homes they guarantee for investment purposes. Currently qualified investors can finance up to 10 properties. This policy is relatively new and was borne out of a time - in 2009 - when the U.S. had "too many homes" and policymakers decided to raise the number of allowable properties to 10.
Remote-First Tech Culture: Successes, Challenges, and Company Doubts
Remote work is no longer a trend-it’s a defining feature of modern tech culture. Post-2020, what began as an emergency pivot has evolved into a conscious strategy. For many tech teams-especially Individual Contributors (ICs)-remote-first has unlocked productivity, flexibility, and access to global talent. Yet, many companies are calling employees back to office desks, citing a range of business and cultural reasons. So what’s working? What’s not? And what’s really behind the push and pull?
Code Review Reality Check: Is-a vs Has-a 🤔
During a design review today, an engineer defended using abstract class inheritance. When I asked about “is-a vs has-a” relationships, they were adamant about their approach. This sparked an important discussion about inheritance vs composition — one of the most misunderstood concepts in OOP.
50 Billion Messages a Day with Just 32 Engineers-How WhatsApp Defied System Design Norms
In a world where tech giants deploy armies of engineers to handle massive scale, WhatsApp pulled off the unthinkable: processing 50 billion messages daily with just 32 engineers. How did they do it? By rethinking system design, picking the perfect tools, and staying ruthlessly focused. Inspired by a deep dive from the System Design Newsletter , let’s unpack their approach-and see what the payment industry can take away.
How to Architect a Payments Feature for Knowns and Unknowns in Software Design
When building a payments feature for an e-commerce platform, architects and developers face a mix of clear requirements, uncertainties, and hidden opportunities. By categorizing requirements into known knowns, known unknowns, unknown knowns, and unknown unknowns, you can create a robust, adaptable system that handles both certainty and surprises. This blog post explores how to design a payments feature using this framework, with practical strategies for each category.
YAGNI: The Art of Building What Matters-and Nothing More
In software development, we love to plan for the future. A new feature? Let’s build a framework for it. A potential use case? Better add that extra abstraction layer now. But how often do those “just in case” additions actually pay off? If you’re nodding along, you’ve likely encountered YAGNI-You Ain’t Gonna Need It-a principle that challenges us to strip away the unnecessary and focus on what delivers value today.
Health of preterm infants being threatened
As neonatologists, we care for the most fragile newborns, some no larger than the size of their parent’s hand. These preterm newborns face many medical challenges. Their lungs and other organs are not fully developed, including their digestive system. Their skin can be paper thin, more vulnerable to injury and less protective against infection. They often need help breathing, maintaining their body temperature and gaining weight.
The health of preterm infants is being threatened
As neonatologists, we care for the most fragile newborns, some no larger than the size of their parent’s hand. These preterm newborns face many medical challenges. Their lungs and other organs are not fully developed, including their digestive system. Their skin can be paper thin, more vulnerable to injury and less protective against infection. They often need help breathing, maintaining their body temperature, and gaining weight.
The health of preterm infants is being threatened
As neonatologists, we care for the most fragile newborns, some no larger than the size of their parent’s hand. These preterm newborns face many medical challenges. Their lungs and other organs are not fully developed, including their digestive system. Their skin can be paper thin, more vulnerable to injury and less protective against infection. They often need help breathing, maintaining their body temperature, and gaining weight.
The health of preterm infants is being threatened
As neonatologists, we care for the most fragile newborns, some no larger than the size of their parent's hand. These preterm newborns face many medical challenges. Their lungs and other organs are not fully developed, including their digestive system. Their skin can be paper thin, more vulnerable to injury and less protective against infection. They often need help breathing, maintaining their body temperature, and gaining weight.
Commentary: The health of preterm infants is being threatened
As neonatologists, we care for the most fragile newborns, some no larger than the size of their parent's hand. These preterm newborns face many medical challenges. Their lungs and other organs are not fully developed, including their digestive system. Their skin can be paper thin, more vulnerable to injury and less protective against infection. They often need help breathing, maintaining their body temperature, and gaining weight.
Investigation of Tribological Properties of Inconel 601 under Environmentally Friendly MQL and Nano-Fluid MQL with Pack Boronizing
All articles published by MDPI are made immediately available worldwide under an open access license. No special permission is required to reuse all or part of the article published by MDPI, including figures and tables. For articles published under an open access Creative Common CC BY license, any part of the article may be reused without permission provided that the original article is clearly cited. For more information, please refer to https://www.mdpi.com/openaccess.
Determination and Verification of the Johnson-Cook Constitutive Model Parameters in the Precision Machining of Ti6Al4V Alloy
All articles published by MDPI are made immediately available worldwide under an open access license. No special permission is required to reuse all or part of the article published by MDPI, including figures and tables. For articles published under an open access Creative Common CC BY license, any part of the article may be reused without permission provided that the original article is clearly cited. For more information, please refer to https://www.mdpi.com/openaccess.
JCM | Free Full-Text | Complications and Health-Related Quality of Life in Children with Various Etiologies of Early-Onset Scoliosis Treated with Magnetically Controlled Growing Rods-A Multicenter Study
All articles published by MDPI are made immediately available worldwide under an open access license. No special permission is required to reuse all or part of the article published by MDPI, including figures and tables. For articles published under an open access Creative Common CC BY license, any part of the article may be reused without permission provided that the original article is clearly cited. For more information, please refer to https://www.mdpi.com/openaccess.
IGF-1 Peptide Mimetic-functionalized Hydrogels Enhance MSC Survival and Immunomodulatory Activity
Abstract Human mesenchymal stem cells (MSCs) have demonstrated promise when delivered to damaged tissue or tissue defects for their cytokine secretion and inflammation modulation behaviors that can promote repair. Insulin-like growth factor 1 (IGF-1) has been shown to augment MSC viability and survival and promote their secretion of cytokines that signal to endogenous cells, in the treatment of myocardial infarction, wound healing, and age-related diseases.
Unlocking business value and maximizing ROI with cyber advisory services
Organizations across sectors are rapidly advancing their digital transformation initiatives, heavily relying on data, digital assets, and technology for daily operations. However, this evolving IT landscape is accompanied by a surge in cyber threats, which are becoming more frequent and sophisticated amidst a complex vendor landscape. Cyber threats and data breaches make headlines daily as cybercriminals exploit vulnerabilities with advanced tools and strategies.
JCM | Free Full-Text | Reply to Tabeling et al. Comment on “Grabala et al. Radiological Outcomes of Magnetically Controlled Growing Rods for the Treatment of Children with Various Etiologies of Early-Onset Scoliosis-A Multicenter Study. J. Clin. Med
All articles published by MDPI are made immediately available worldwide under an open access license. No special permission is required to reuse all or part of the article published by MDPI, including figures and tables. For articles published under an open access Creative Common CC BY license, any part of the article may be reused without permission provided that the original article is clearly cited. For more information, please refer to https://www.mdpi.com/openaccess.
A State of the Art on Cryogenic Cooling and Its Applications in the Machining of Difficult-to-Machine Alloys
All articles published by MDPI are made immediately available worldwide under an open access license. No special permission is required to reuse all or part of the article published by MDPI, including figures and tables. For articles published under an open access Creative Common CC BY license, any part of the article may be reused without permission provided that the original article is clearly cited. For more information, please refer to https://www.mdpi.com/openaccess.
JCM | Free Full-Text | Radiological Outcomes of Magnetically Controlled Growing Rods for the Treatment of Children with Various Etiologies of Early-Onset Scoliosis-A Multicenter Study
All articles published by MDPI are made immediately available worldwide under an open access license. No special permission is required to reuse all or part of the article published by MDPI, including figures and tables. For articles published under an open access Creative Common CC BY license, any part of the article may be reused without permission provided that the original article is clearly cited. For more information, please refer to https://www.mdpi.com/openaccess.
Unlocking Profitability with Third-Party Risk Management: A Myth or Reality?
By Munish Gupta In today’s digital ecosystem, organizations rely heavily on external products and services and this engagement remains the key business driver for them. Yes, with cost pressures and competency demands, businesses do not choose to invest in developing everything in-house but rather outsource some services to diverse third parties. The Myth of Cost Reduction without Risks This interdependence between organizations and their third-party partners is growing rapidly across industries.
ECB Remains Attentive and Focused
Saved Content And Share Content You have not saved any content. Explore our site now and save your favorite products, insights, and/or documents. {{myContentItem.sectionHeader}} {{myContentItem.title}} {{myContentItem.title}} {{myContentItem.name}} Back To Saved Content Optional Message Home > Insights > Blog > ECB Remains Attentive and Focused Blog While the ECB is unlikely to raise rates further, we remain skeptical that it will deliver rate cuts as early as the market expects.
Mind the Supply: The Counterintuitive Impact of Higher Rates on U.S. Housing
The dearth of homes for sale has underpinned the housing market’s surprising resilience and may further lift home prices despite reduced affordability. Rather than causing home prices to tumble, the sharp rise in mortgage rates over the past two years has bolstered the U.S. housing market by curbing the supply of homes put up for sale. That supply-demand imbalance is likely to continue, in our view, supporting further home price appreciation and rental inflation.
Safety in Numbers: Why the UK Economy No Longer Looks Like an Outlier
Saved Content And Share Content You have not saved any content. Explore our site now and save your favorite products, insights, and/or documents.
Mind the Supply: The Counterintuitive Impact of Higher Rates on U.S. Housing
Rather than causing home prices to tumble, the sharp rise in mortgage rates over the past two years has bolstered the U.S. housing market by curbing the supply of homes put up for sale. That supply-demand imbalance is likely to continue, in our view, supporting further home price appreciation and rental inflation. Several factors have constrained supply, including the "lock-in effect" by which homeowners with low mortgage rates are reluctant to sell to buy another home at a much higher rate.
Recent Trends on the Mechanical Properties of Additive Manufacturing
Additive Manufacturing (AM), also known as “three-dimensional printing”, has experienced significant advancements in recent years, including improvements in the mechanical properties of printed objects. Several trends have emerged in the field of additive manufacturing that have contributed to enhancing the mechanical performance of printed parts.
Does Previous Experience with the Unified Payments Interface (UPI) Affect the Usage of Central Bank Digital Currency (CBDC)?
2.2. Hypotheses 2.2.1. Perceived Risk Perceived risk is a crucial factor that can impact the adoption and use of digital currency. This risk can manifest in several ways, including the possibility of financial loss due to fraud or hacking (Klobas et al. 2019), transaction errors (Khedmatgozar and Shahnazi 2018), and social risk associated with isolating oneself from their social circle (Maziriri and Chuchu 2017).
Spring Brings Cautious Optimism to U.S. Housing Market
The 2023 outlook we published in January, “Staying in Place – The Post‑Pandemic Housing Market,” anticipated a challenged but resilient U.S. market generally trading sideways this year amid reduced activity and low inventory. Our expectation has been largely realized so far, with national home prices down only 3% from the peak in June 2022, according to CoreLogic Case-Shiller, and recent data have been encouraging.
Spring Brings Cautious Optimism to U.S. Housing Market
The 2023 outlook we published in January, “Staying in Place – The Post‑Pandemic Housing Market,” anticipated a challenged but resilient U.S. market generally trading sideways this year amid reduced activity and low inventory. Our expectation has been largely realized so far, with national home prices down only 3% from the peak in June 2022, according to CoreLogic Case-Shiller, and recent data have been encouraging.
Optimization of WEDM Parameters While Machining Biomedical Materials Using EDAS-PSO
This is an early access version, the complete PDF, HTML, and XML versions will be available soon. Open AccessArticle by Vishal S.
Impact of Coronavirus Disease-2019 on Hospital Care for Neonatal Opioid Withdrawal Syndrome
Objectives To compare prenatal exposures, hospital care processes, and hospitalization outcomes for opioid-exposed newborns (OENs) before and during the COVID-19 pandemic. Study design In this multi-center retrospective analysis, data were collected from 19 Massachusetts hospitals including 5 academic and 14 community hospitals. The pre-COVID cohort was defined as births occurring during 3/1/2019-2/28/2020 and the COVID cohort as births during 3/1/2020-12/31/2020.
linking academia, business and industry through research
Home Full-text access for editors A study of the relationship between total quality management and business performance in the banking sector by Sukhjinder Singh Tagger; Munish Gupta International Journal of Business Competition and Growth (IJBCG), Vol. 7, No. 2, 2020 Abstract: Total quality management (TQM) is a buzz word of the modern business.
Caring for Newborns Born to Mothers With COVID-19: More Questions Than Answers
Abbreviations: AAP — American Academy of PediatricsCDC — Centers for Disease Control and PreventionCOVID-19 — coronavirus disease 2019PCR — polymerase chain reactionSARS-CoV-2 — severe acute respiratory syndrome coronavirus 2WHO — World Health Organization As the coronavirus disease 2019 (COVID-19) pandemic continues, its impact on newborns remains uncertain.
Racial and Ethnic Disparities in Maternal and Infant Outcomes Among Opioid-Exposed Mother-Infant Dyads in Massachusetts (2017-2019)
Affiliation Mary Peeler MD, MPH, Munish Gupta MD, Patrice Melvin MPH, Allison S. Bryant MD, MPH, Hafsatou Diop MD, MPH, Ronald Iverson MD, MPH, Katherine Callaghan MD, Elisha M. Wachman MD, Rachana Singh MD, MS, Mary Houghton MPH, Shelly F. Greenfield MD, MPH, and Davida M. Schiff MD, MSc Mary Peeler is with the Johns Hopkins School of Medicine, Baltimore, MD. Munish Gupta and Mary Houghton are with the Department of Neonatology, Beth Israel Deaconess Medical Center, Boston, MA.
Caring for Newborns Born to Mothers with COVID-19: More Questions than Answers
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Accelerating Customer Experience With Conversational AI
Accelerating Customer Experience With Conversational AI Munish Gupta The Fourth Industrial Revolution is upon us, bringing technologies such as AI, IoT, and blockchain. More than ever, businesses need to consider how to best leverage these solutions, reimagining the way they operate an intelligent and integrated customer experience.
Extubate or Extu-wait: Early Extubation and Risk of Failed Extubation in Very Preterm Infants
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Cloud-Native Applications in Java
1 Introduction to Cloud-Native Course Overview Installation and Setup Lesson Overview What is Cloud-Native?
Responding to an Alarming Problem: Decreasing Alarm Burden and Increasing Safety in the NICU
Responding to an Alarming Problem: Decreasing Alarm Burden and Increasing Safety in the NICU Wendy L. Timpson, Thomas Heldt, Munish Gupta, Susan Young, Karen Waldo Pediatrics Aug 2019, 144 (2 MeetingAbstract) 155; DOI: 10.1542/peds.144.2_MeetingAbstract.155
Preparing for Discharge From the Neonatal Intensive Care Unit
Abstract BACKGROUND: Discharge readiness is a key determinant of outcomes for families in the NICU. Since 2003, using a broad set of outcome and process measures, we have conducted an ongoing quality improvement initiative to improve the discharge preparation process in our NICU and readiness of families being discharged from the NICU. METHODS: Iterative improvements to the discharge preparation process were made by a multidisciplinary committee.
Role of Genetic Susceptibility in the Development of Bronchopulmonary Dysplasia
Publication HistoryPublished online: October 01, 2018Accepted: July 27, 2018; Received in revised form: July 17, 2018; Received: January 19, 2017;
Racial and Ethnic Disparities in the Use of Mother's Milk Feeding for Very Low Birth Weight Infants in Massachusetts
Publication HistoryPublished online: September 28, 2018Accepted: August 16, 2018; Received in revised form: August 1, 2018; Received: April 20, 2018;
Quality Improvement Initiatives to Increase Breast Milk Use in the Boston Children’s NICU: Increasing Rates of Skin to Skin Care and Decreasing Time to First Lactation Consultation
Quality Improvement Initiatives to Increase Breast Milk Use in the Boston Children’s NICU: Increasing Rates of Skin to Skin Care and Decreasing Time to First Lactation Consultation Kristen T. Leeman, Munish Gupta, Margaret Parker Pediatrics May 2018, 142 (1 MeetingAbstract) 188; DOI: 10.1542/peds.142.1_MeetingAbstract.188
Implementation of a Guideline to Decrease Use of Acid-Suppressing Medications in the NICU
Sign up for Insight Alerts highlighting editor-chosen studies with the greatest impact on clinical care. Call for Nominations: Pediatrics is seeking an Associate Editor for Case Reports. Please see the job description and the application.
Cloud Security Controls: Time to Ensure Added Perimeter Defense for Your Public Cloud Deployments
During most of my discussions with C-level stakeholders, a major question arises: What can we do to add further defense to our public cloud deployments? Are the built-in cloud security controls sufficient for my business, or do we need more? My answer is quite simple: Yes, you need additional controls, depending on the workloads you are going to deploy in public clouds.
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