In order to enhance salt rejection level and high pressure mechanical integrity, functionalized nanokaolin decorated multiwall carbon nanotubes (FNKM, 0–5 wt % loading) were incorporated into a cellulose acetate (CA) matrix using high temperature solution mixing methodology. Scanning electron microscopy (SEM), X-ray diffraction technique (XRD), thermo-gravimetric analyzer (TGA) and Fourier transform infrared spectrometer (FTIR) were used to characterize the prepared membranes. The obtained results revealed that with increasing FNKM concentration in the host polymeric matrix, composite membrane’s structural, functional, thermal, water permeation/flux and salt rejection characteristics were also modified accordingly. Percent enhancement in salt rejection was increased around threefold by adding 5 wt % FNKM in CA.

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This research explores the effect of financial literacy and risk tolerance on decisions making for investment by men andwomen in the textile sector of Pakistan. It examines the role of risk tolerance as mediator in relation between financialliteracy and individual’s investment decision making. It also examines the moderating effect of gender differencebetween financial literacy and risk tolerance. Collection of research data was done from the 300 respondents in thetextile sector of Faisalabad through the self-administered questionnaire by using convenient sampling. This researchwork represented the facts that financial literacy has a positive and significant relationship with risk tolerance, andinvestment decisions are significantly influenced by it. Risk tolerance has a positive and insignificant impact oninvestment decisions.In contrast, the mediation role of risk tolerance is insignificant between the financial literacy level of individuals anddecisions made by them for investment. The purpose of a moderator as gender differences is significant. This studyempowers managers to provide basics financial services to employees. Management might be guided that what shouldbe highlighted and what has to be improved to enhance the financial literacy level of textile workers. Employers can playa vital role in building awareness and to educate their employees on fiscal wellness, investment planning, andretirement. Financial literacy can also help employees to achieve commercial success, and it is fruitful in providingbenefit plans at work and in their financial affairs

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Ruddlesden-Popper Ba 3 Zr 2 O 7 thin films have been synthesized via pulsed laser deposition (PLD) technique. The optimization of deposition parameters in PLD enables the formation of thin film of metastable Ba 3 Zr 2 O 7 phase from BaZrO 3 target. In order to see the post-annealing effects on the structural and optical properties, the deposited Ba 3 Zr 2 O 7 thin films were annealed at 500, 600 and 800°C. X-ray diffraction (XRD) reveals the formation of Ba 3 Zr 2 O 7 phase with tetragonal structure. The changes in the surface of the deposited films were analysed by FE-SEM and AFM. The thin film post-annealed at 500°C exhibited the best structural, optical and surface properties. Furthermore, the chemical states and chemical composition of the films were determined by X-ray photoelectron spectroscopy (XPS) near the surface. The XPS results show that Ba, Zr and O exist mainly in the form of Ba 3 Zr 2 O 7 Ruddlesden-Popper-type perovskite structure.

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