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to make cash payments to the cap holder equal to the excess of the market rate over the strike price multiplied by the notional principal amount if rates go above speci ed interest rate (strike price) The cap holder has the right, not the obligation, to exercise the option, and if rates move down, the cap holder will lose only the premium paid The cap writer has virtually unlimited risk resulting from increases in interest rates above the cap rate Interest rate oors These are contracts in which a oor writer, in return for a premium, agrees to limit the risk of declining interest rates based on a notional amount such that if rates go below a speci ed interest rate (strike price), the oor holder will receive cash payments equal to the difference between the market rate and the strike price multiplied by the notional principal amount As with interest rate caps, the oor holder has the right, not the obligation, to exercise the option, and if rates move up, the oor holder will lose only the premium paid The oor writer has risk resulting from decreases in interest rates below the oor rate Interest rate collars These are combinations of interest rate caps and interest rate oors, that is, one held and one written Such contracts are often used by institutions to lock a oating rate contract into a predetermined interest rate range

thate every two weeks for three months decreased total cholesterol without affecting HDL cholesterol levels The meta-analysis by Isidori et al [88] pooled 16 RCTs performed in men over 50, including the two previous ones Testosterone therapy signi cantly decreased serum total cholesterol whatever the baseline T level, but its effects were more pronounced in men with TT <10 nmol/L (average 042 mmol/L or 16 mg/dL) than in men with higher TT (average 014 mmol/L) T had no effects on LDL cholesterol A small but signi cant reduction in HDL cholesterol was observed in the group of studies performed in men with baseline T >10 nmol/L ( 009 mmol/L or 33 mg/dl, 4 6%, with respect to the baseline values), but not in men with lower T values; the effect over the whole of the studies (whatever the baseline T level) was not signi cant Overall T therapy has both bene cial and adverse metabolic effects: the decreases in visceral fat, Lp(a) lipoprotein, insulin resistance, brinogen, the brinolysis inhibitor PAI-1, and to a lesser degree triglycerides and, if any, LDL cholesterol, are probably bene cial The decrease in HDL cholesterol may be adverse, though its nal effect depends in fact on its mechanism, presently unknown It would be bene cial if it re ected accelerated reverse cholesterol transport

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Conclusions about T therapy and cardiovascular function [87] are, rst, that T exerts both apparently bene cial and deleterious actions on a multitude of factors implicated in pathogenesis of arteriosclerosis and cardiovascular disease However, epidemiologic studies have found no consistent association of endogenous androgens with cardiovascular disease In addition no cardiovascular overmortality has been reported during RCTs But follow-up is too limited in these RCTs (36 48 months) to assess long-term risks It has also to be remembered that overdosing T therapy exposes men to a risk of uid retention that may result in heightened blood pressure or decompensation of cardiac insuf ciency, and to polycythemia that may result in increased blood viscosity and thrombosis But provided overdosing is avoided, current evidence suggests that therapeutic use of T in men need not be restricted by concerns over

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