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In this paper, we prove a necessary and sufficient condition for the edge universality of sample covariance matrices with general population. We consider sample covariance matrices of the form $\mathcal Q = TX(TX)^{*}$, where $X$ is an $M_2\times N$ random matrix with $X_{ij}=N^{-1/2}q_{ij}$ such that $q_{ij}$ are $i.i.d.$ random variables with zero mean and unit variance, and $T$ is an $M_1 \times M_2$ deterministic matrix such that $T^* T$ is diagonal. We study the asymptotic behavior of the largest eigenvalues of $\mathcal Q$ when $M:=\min\{M_1,M_2\}$ and $N$ tend to infinity with $\lim_{N \to \infty} {N}/{M}=d \in (0, \infty)$. We prove that the Tracy-Widom law holds for the largest eigenvalue of $\mathcal Q$ if and only if $\lim_{s \rightarrow \infty}s^4 \mathbb{P}(\vert q_{ij} \vert \geq s)=0$ under mild assumptions of $T$. The necessity and sufficiency of this condition for the edge universality was first proved for Wigner matrices by Lee and Yin [34].

From any 4-dimensional oriented handlebody X without 3- and 4-handles and with b2  1, we construct arbitrary many compact Stein 4-manifolds that are mutually homeomorphic but not diffeomorphic to each other, so that their topological invariants (their fundamental groups, homology groups, boundary homology groups, and intersection forms) coincide with those of X. We also discuss the induced contact structures on their boundaries. Furthermore, for any smooth 4-manifold pair (Z, Y ) such that the complement Z − int Y is a handlebody without 3- and 4-handles and with b2  1, we construct arbitrary many exotic embeddings of a compact 4-manifold Y 0 into Z, such that Y 0 has the same topological invariants as Y .