The portuguese insurance industry: basis for strategic process decision

Nowadays, the Portuguese insurance industry operates in a market with a much more aggressive structure than a few decades ago. Markets and the economy have become globalised since the last decade of the 20th century. Market forces have gradually shifted – power is now mainly on the demand side. In order to meet the new requirements, the insurance industry must develop a strong strategic ability to respond to constant changes of the new international economic order.One of the basic aspects of this strategic development will focus on the ability to predict the future. We introduce the subject by briefly describing the sector, its organisational structure in the Portuguese market, and challenges arising from the development of the European Union. We then analyse the economic and financial structure of the sector. From this point of view, we aim at the possibility of designing models that could explain the demand for insurance, claims and technical reserves evolution. Such models, (even if based on the past), would resolve, at least partly, one of the greatest difficulties experienced by insurance companies when estimating the budget. Thus, we examine the existence of variables that explain the previous points, which are capable of forming a basis for designing models that are simple but efficient, and can be used for strategic planning.

As razões e implicações das empresas nacionais na escolha de modelos de inteligência colectiva como o crowdsourcing – O Caso Idea Hunting

Dissertação apresentada à Escola Superior de Comunicação Social para obtenção de grau de mestre em Publicidade e Marketing

RF Receiver Front End for 28.5 GHz Applications on a 70 GHz F-T SiGe BiCMOS Process

This article presents the design and test of a receiver front end aimed at LMDS applications at 28.5 GHz. It presents a system-level design after which the receiver was designed. The receiver comprises an LNA, quadrature mixer and quadrature local oscillator. Experimental results at 24 GHz center frequency show a conversion voltage gain of 15 dB and conversion noise figure of 14 5 dB. The receiver operates from a 2 5 V power supply with a total current consumption of 31 mA.

CVD of CrO(2): Towards a lower temperature deposition process

The deposition of highly oriented a-axis CrO(2) films onto Al(2)O(3)(0001) by atmospheric pressure (AP)CVD at temperatures as low as 330 C is reported. Deposition rates strongly depend on the substrate temperature, whereas for film surface microstructures the dependence is mainly on film thickness. For the experimental conditions used in this work, CrO(2) growth kinetics are dominated by a surface reaction mechanism with an apparent activation energy of (121.0 +/- 4.3) kJ mol(-1). The magnitude and temperature dependence of the saturation magnetization, up to room temperature, is consistent with bulk measurements.

The (well) informed piano : internalization and growth process

The subject matter of this book is about piano methodology, including technical, musical, artistic, ethical and philosophical issues and reflections. The purpose of this work is to share a personal professional experience insight in the field of piano performance. This text assumes a certain continuity to the major contributions of artists like Ludwig Deppe, Tobias Matthay, Grigory Kogan, Heinrich Neuhaus and George Kochevitsky. At the same time, it tries to integrate and complement this selected literature, bringing new ideas and hints to specific professional issues.

A influência da poesia no desenvolvimento da linguagem oral de uma aluna com Trissomia 21

O conceito de poesia é uma forma de arte e traduz-se como um espelho do pensamento do homem realizado na palavra oral e escrita. A poesia poderá ensinar o homem no estudo da palavra, através do seu significado nos valores denotativo e/ou conotativo. A aplicação destes conceitos faz sentido, a partir da ideia de que a palavra no contexto da poesia pode produzir emoções e sensações nas pessoas a quem ela é transmitida. A poesia tem funções multissensoriais que podem definir o input linguístico como forma de desenvolver a linguagem. Vários são os estudos que apontam para as principais competências deficitárias nos indivíduos com Trissomia 21, mas poucas são as investigações que se debruçam sobre a influência da poesia nas várias competências linguísticas. Uma perceção mais ampla e visionária da Arte na voz da poesia pela parte da escola, professores e, em particular, professores de Educação Especial permitirá adotar estratégias de intervenção inovadoras. Pretende este estudo investigar e analisar a forma como a poesia pode influenciar o desenvolvimento da linguagem oral numa aluna com Trissomia 21. Neste projeto, a partir da identificação do caso-problema e da constatação da ausência da poesia no currículo da aluna, procurou-se intervir, no sentido de melhorar as suas competências linguísticas, utilizando para tanto a poesia. A implementação do projeto aconteceu ao longo de seis meses durante quinze sessões de intervenção individuais. Os resultados do projeto mostram que, em todas as competências linguísticas, houve um processo evolutivo, sendo particularmente significativo o desenvolvimento da competência fonológica, aumento de vocabulário e uma maior noção da palavra em contexto. Estes dados levam-nos a crer que a utilização da poesia poderá, também, constituir uma forma de promover a socialização e a autonomia, revelando os efeitos colaterais que poderão decorrer deste tipo de intervenção. - Abstract The concept of poetry is a form of art, showing the man's thought held in the spoken and written word. Poetry can teach man in the study of the word, its meaning through denotative and/or connotative values. The application of these concepts makes sense, from the idea that the word in the context of poetry can stir emotions and feelings in the people to whom it is transmitted. Poetry has multisensory functions that can set the linguistic input as a way to develop language at phonological, lexical, semantics, pragmatic and morfosyntactic skills. There are several studies that point out to the key skills deficit in individuals with Trisomy 21, but there are few investigations that focus on the influence of poetry in various language skills. A broader perception and vision of poetry as art given by school, and teachers, and, particularly teachers of Special Education will allow a more effective intervention strategies. This study aims to investigate and analyze how poetry can influence the development of oral language in a student with Trisomy 21. In this project, we tried to intervene, improving the language skills of the student, using poetry from the identification case-problem and confirmation of the absence of poetry in her curriculum. The implementation of the project took place throughout six months for fifteen individual intervention sessions. The project results show that, in all language skills, there was a progressive process, being particularly significant the development of the phonological skills, increased vocabulary and a greater sense of the word into context. These data lead us to believe that the use of poetry can also be a way to promote socialization and autonomy, revealing the side effects that may result from this type of intervention.

Tradição em transformação: representações sociais de tradição em associações culturais

Dissertação conducente à obtenção do grau de Mestre em Educação Social e Intervenção Comunitária

Os programas de matemática do ensino básico de 1990 e de 2007 e o processo de implementação do programa de 2007, no 1º ciclo do Ensino Básico

Mestrado em Educação Matemática na Educação Pré – Escolar e nos 1.º e 2.º Ciclos do Ensino Básico

Towards an Academic Social Network for Bologna Process

The Bologna Process aimed to build a European Higher Education Area promoting student's mobility. The adoption of Bologna Declaration directives requires a self management distributed approach to deal with student's mobility, allowing frequent updates in institutions rules or legislation. This paper suggests a computational system architecture, which follows a social network design. A set of structured annotations is proposed in order to organize the user's information. For instance, when the user is a student its annotations are organized into an academic record. The academic record data is used to discover interests, namely mobility interests, among students that belongs the academic network. These ideas have been applied into a demonstrator that includes a mobility simulator to compare and show the student's academic evolution.

A student personal system for Bologna process mobility

The Bologna Process aimed to build a European Higher Education Area with the objective of promoting students mobility. The adoption of Bologna Declaration directives requires a decentralized approach that accelerates student's mobility, based on frequently updated legislation. This paper proposes a student personal system to manage student's academic information. This system is supported by a flexible model that integrates, for instance, knowledge about the student attended courses or about a course that the student wishes to apply. Essentially, this model holds a (i) Student's Academic Record with skills acquired in academic course units, professional experience or training and an (ii) Individual Studies Plan, which places the student in a particular (iii) Course Plan setting the curricular structure that the student wishes to apply.

Distributed process execution in collaborative networks

Processes are a central entity in enterprise collaboration. Collaborative processes need to be executed and coordinated in a distributed Computational platform where computers are connected through heterogeneous networks and systems. Life cycle management of such collaborative processes requires a framework able to handle their diversity based on different computational and communication requirements. This paper proposes a rational for such framework, points out key requirements and proposes it strategy for a supporting technological infrastructure. Beyond the portability of collaborative process definitions among different technological bindings, a framework to handle different life cycle phases of those definitions is presented and discussed. (c) 2007 Elsevier Ltd. All rights reserved.

Characterization of airborne particles generated from metal active gas welding process

This study is focused on the characterization of particles emitted in the metal active gas welding of carbon steel using mixture of Ar + CO2, and intends to analyze which are the main process parameters that influence the emission itself. It was found that the amount of emitted particles (measured by particle number and alveolar deposited surface area) are clearly dependent on the distance to the welding front and also on the main welding parameters, namely the current intensity and heat input in the welding process. The emission of airborne fine particles seems to increase with the current intensity as fume-formation rate does. When comparing the tested gas mixtures, higher emissions are observed for more oxidant mixtures, that is, mixtures with higher CO2 content, which result in higher arc stability. These mixtures originate higher concentrations of fine particles (as measured by number of particles by cm 3 of air) and higher values of alveolar deposited surface area of particles, thus resulting in a more severe worker's exposure.

A arte contemporânea enquanto elemento facilitador da auto valorização dos jovens perante as suas criações artísticas

Dissertação apresentada à Escola Superior de Educação de Lisboa para obtenção de grau de mestre em Educação Artística, na Especialização de Artes Plásticas na Educação

How new online communication tools and the availability of content influence the audiences and the creative process

We live in a changing world. At an impressive speed, every day new technological resources appear. We increasingly use the Internet to obtain and share information, and new online communication tools are emerging. Each of them encompasses new potential and creates new audiences. In recent years, we witnessed the emergence of Facebook, Twitter, YouTube and other media platforms. They have provided us with an even greater interactivity between sender and receiver, as well as generated a new sense of community. At the same time we also see the availability of content like it never happened before. We are increasingly sharing texts, videos, photos, etc. This poster intends to explore the potential of using these new online communication tools in the cultural sphere to create new audiences, to develop of a new kind of community, to provide information as well as different ways of building organizations’ memory. The transience of performing arts is accompanied by the need to counter that transience by means of documentation. This desire to ‘save’ events reaches its expression with the information archive of the different production moments as well as the opportunity to record the event and present it through, for instance, digital platforms. In this poster we intend to answer the following questions: which online communication tools are being used to engage audiences in the cultural sphere (specifically between theater companies in Lisbon)? Is there a new relationship with the public? Are online communication tools creating a new kind of community? What changes are these tools introducing in the creative process? In what way the availability of content and its archive contribute to the organization memory? Among several references, we will approach the two-way communication model that James E. Grunig & Todd T. Hunt (1984) already presented and the concept of mass self-communication of Manuel Castells (2010). Castells also tells us that we have moved from traditional media to a system of communication networks. For Scott Kirsner (2010), we have entered an era of digital creativity, where artists have the tools to do what they imagined and the public no longer wants to just consume cultural goods, but instead to have a voice and participate. The creativity process is now depending on the public choice as they wander through the screen. It is the receiver who owns an object which can be exchanged. Virtual reality has encouraged the receiver to abandon its position of passive observer and to become a participant agent, which implies a challenge to organizations: inventing new forms of interfaces. Therefore, we intend to find new and effective online tools that can be used by cultural organizations; the best way to manage them; to show how organizations can create a community with the public and how the availability of online content and its archive can contribute to the organizations’ memory.