Credit cycle identification: A Markov-switching application

A Work Project, presented as part of the requirements for the Award of a Masters Degree in Finance from the NOVA – School of Business and Economics

Paleolítico médio e superior em Portugal: datas 14C, estado actual dos conhecimentos,síntese e duscussão

New radiocarbon measurements were obtained from middle and upper Paleolithic sites currently under research by the CEPUNL, in well defined stratigraphical situations. With other dates, they yield an approximative chronological global view. Measurement distribution in function of time does not seem to be an hazardous one. In the actual status of our knowledge, this distribution seems to fit in some assemblages: (a) 14000 to 15000 BP, Solutrean; (b) about 20 000 BP, Solutrean; (c) circa 25 000 BP, already Solutrean, and slightly older than 26 000 BP, still Mousterian; (d) between 29 000 and 31 000 BP, Mousterian. The persistance of Mousterian much later than its acknowledged upper limit at about 34 000 BP (and hence the survival of its neanderthalian authors) is demonstrated. For the first time it has been possible to ascertain the upper time limit of the marine 5-8 metres raised beach (Tyrrhenian III) at Serra da Arrábida, and also the age of archaeological sites without stone artifacts, or with uncharacteristic ones. The obtained measurements allow US to correlate localities and sedimentary units with last glaciation events. There seems to have been a distinct correlation between cave and shelter human occupation and events marked by the worsening of climate.

The Neogene of the Lower Tagus Basin (Portugal)

Revista Española de Paleontologia 19 (2), 229-242

Credit Scoring: Aplicação da regressão logística vs redes neuronais artificiais na avaliação do risco de crédito no mercado Cabo-verdiano

Dissertação apresentada como requisito parcial de obtenção do grau de Mestre em Estatística e Gestão de Informação

Upper Miocene planktonic foraminifera from Algarve. Chronostratigraphical implications

Ciências da Terra(UNL) Nº 15, pp. 199-208

Paleolítico médio e superior em Portugal: datas 14C, estado actual dos conhecimentos, síntese e discussão

New radiocarbon measurements were obtained from middle and upper Paleolithic sites currendy under research by the CEPUNL, in well defined stratigraphical situations. With other dates, they yield an approximative chronological global view. Measurement dístribution in function of time does not seem to be an hazardous one. ln the actual status of our knowledge, this distribution seems to fit in some assemblages: (a) 14000 to 15000 BP, Solurrean ; (b) about 20 000 BP, Solurrean ; (e) area 25 000 BP, already Solurrean, and slightly older than 26 000 BP, still Mousterian ; (d) between 29 000 and 31 000 BP, Mousterian. The persistance of Mousterian much later than its acknowledged upper limit at about 34 000 BP (and hence the survival of its neanderthalian authors) is demonstrated. For the first time it has been possible to ascertain the upper time limit of the marine 5-8 metres raised beach (Tyrrhenian III) at Serra da Arrábida, and also the age of archaeological sires wirhout srone arrifacts, or with uncharacteristic ones. The obtained measurements allow us to correlate localities and sedimentary units with last glaciation events. There seems to have been a distinct correlation between cave and shelter human occupation and events marked by the worsening of climate.

Volcanic events in the Eastern part of the Adriatic foreland (Northern Marchean Italy)

Proceedings of the 1'I R.C.A.N.S. Congress, Lisboa, October 1992

El paisaje del área fuente cenozoica, evolución e implicaciones; correlación con el registro sedimentario de las cuencas

Erosion surfaces are the main geomorphological features of the Hesperian Massif. However, three other physiographic elements define the present state of the landscape. Such are big mountain blocks with polygonal borders building at great scale mountain chains, some more modest ridges following hercynian structural trends, and finally the strong incision of the fluvial net. On the other hand, paleoalterations and associated sediments are the only available ways for relief correlation and interpretation. It consists of a triple relationship giving good results when the regional stratigraphy is well known. Tectonic massifs, differential relief sand incisions are originated by geotectonic alpine disturbances during the Tertiary. The three events are consecutive in time with overlapping lapses which the prior and following element: differencial reliefs as a mesozoic heritage occur first, afterwards morphostructural blocks responding directly to the alpine deformation, and finally the fluvial incision as a delayed answer to the preceding morphostructural changes. The relationship relief sedimentation confirms widely this idea, since an association exists between a siderolitic Cretaceous-lower Paleogene and the differential reliefs, between arkoses from the upper Paleogene and the tectonic morphostructural blocks and between the Neogene Series Ocres and the terraces.

Invertebrados y micropaleontología en la evolución de la Cuenca del Guadalquivir (España) y la Plataforma del Algarve (Portugal)

Based upon the depositional sequences in the Guadalquivir basin and the bio-events defined (foraminifera and nanoplancton) we present the synthesis of the paleontological results in correlation with the Neogene of Algarve (Portugal). We present the most representative outcrops for micropaleonlologic results, as well as paleoenvironmental correlations between Algarve and the Guadalquivir basin.

High resolution stratigraphy and miocene facies correlation in Lisbon and Setúbal Peninsula (Lower Tagus basin, Portugal)

Correlation between facies associations (marine, estuarine and distal fluviatile environments) and disconformities, observed between Foz da Fonte (SW of Setúbal Peninsula) and Santa Iria da Azóia (NE of Lisbon) are presented. The precise definition of the marine-continental facies relationships improved very much the chronology of the depositional sequence boundaries. Tectonic and eustatic controls are discussed on the basis of subsidence rates variation.

High-resolution correlation of coastal cliff sections in the Lagos- Portimao Formation (Lower - Middle Miocene, central Algarve, Portugal)

This paper describes a high-resolution stratigraphic correlation scheme for the early to middle Miocene Lagos-Portimão Formation of central Algarve, southern Portugal. The Lagos Portimão-Formation of central Algarve is a 60 m thick package of horizontally bedded siliciclastics and carbonates. The bryozoan and mollusc dominated biofacies is typical of a shallow marine, warm-temperate climatic environment. We define four stratigraphic marker beds based on biofacies, lithology, and gamma-ray signatures. Marker bed 1 is a reddish shell bed composed predominantly of bivalve shells in various stages of fragmentation. Marker bed 2 is a fossiliferous sandstone / sandy rudstone characterized by bryozoan masses. Marker bed 3 is also a fossiliferous sandstone with abundant larger foraminifers and foliate bryozoans. Marker bed 4 is composed of three distinct layers; two fossiliferous sandstones with an intercalated shell bed. The upper sandstone unit displays thickets of the bryozoan Celleporaria palmate associated with the coral Culizia parasitica. This stratigraphic framework allows to correlate isolated outcrops within the stratigraphic context of the Lagos-Portimão Formation and to establish high resolution chronostratigraphic Sr-isotopic dating.

Upper miocene planktonic foraminifera from Algarve. Chronostratigraphical implications

New data on the planktonic foraminifera from the Upper Miocene Cacela Formation and Mem Moniz spongoliths are presented. The coiling type of Globorotalia menardii from Cacela and Quelfes and the occurrence at Quelfes of G. miotumida allow correlation with the bio-events I to 3 (7,512 to 7,24 Ma; Sierro et al., 1993; 2001) that have been recognized in the Guadalquivir Basin (Spain). The presence of Neogloboquadrina acostaensis and N. humerosa at Mem Moniz points out to the Upper Miocene (Tortonian, upper N16, or even NI7). Mem Moniz spongoliths are correlated with the Cacela Formation. Some 87Sr/86Sr isotopic ages of mollusc or foraminifera shells don't fit well with finer biostratigraphic record and present wide error margins.

The role of the efflux mechanisms in multidrug resistance in Mycobacterium tuberculosis

Abstract The emergence of multi and extensively drug resistant tuberculosis (MDRTB and XDRTB) has increased the concern of public health authorities around the world. The World Health Organization has defined MDRTB as tuberculosis (TB) caused by organisms resistant to at least isoniazid and rifampicin, the main first-line drugs used in TB therapy, whereas XDRTB refers to TB resistant not only to isoniazid and rifampicin, but also to a fluoroquinolone and to at least one of the three injectable second-line drugs, kanamycin, amikacin and capreomycin. Resistance in Mycobacterium tuberculosis is mainly due to the occurrence of spontaneous mutations and followed by selection of mutants by subsequent treatment. However, some resistant clinical isolates do not present mutations in any genes associated with resistance to a given antibiotic, which suggests that other mechanism(s) are involved in the development of drug resistance, namely the presence of efflux pump systems that extrude the drug to the exterior of the cell, preventing access to its target. Increased efflux activity can occur in response to prolonged exposure to subinhibitory concentrations of anti-TB drugs, a situation that may result from inadequate TB therapy. The inhibition of efflux activity with a non-antibiotic inhibitor may restore activity of an antibiotic subject to efflux and thus provide a way to enhance the activity of current anti-TB drugs. The work described in this thesis foccus on the study of efflux mechanisms in the development of multidrug resistance in M. tuberculosis and how phenotypic resistance, mediated by efflux pumps, correlates with genetic resistance. In order to accomplish this goal, several experimental protocols were developed using biological models such as Escherichia coli, the fast growing mycobacteria Mycobacterium smegmatis, and Mycobacterium avium, before their application to M. tuberculosis. This approach allowed the study of the mechanisms that result in the physiological adaptation of E. coli to subinhibitory concentrations of tetracycline (Chapter II), the development of a fluorometric method that allows the detection and quantification of efflux of ethidium bromide (Chapter III), the characterization of the ethidium bromide transport in M. smegmatis (Chapter IV) and the contribution of efflux activity to macrolide resistance in Mycobacterium avium complex (Chapter V). Finally, the methods developed allowed the study of the role of efflux pumps in M. tuberculosis strains induced to isoniazid resistance (Chapter VI). By this manner, in Chapter II it was possible to observe that the physiological adaptation of E. coli to tetracycline results from an interplay between events at the genetic level and protein folding that decrease permeability of the cell envelope and increase efflux pump activity. Furthermore, Chapter III describes the development of a semi-automated fluorometric method that allowed the correlation of this efflux activity with the transport kinetics of ethidium bromide (a known efflux pump substrate) in E. coli and the identification of efflux inhibitors. Concerning M. smegmatis, we have compared the wild-type M. smegmatis mc2155 with knockout mutants for LfrA and MspA for their ability to transport ethidium bromide. The results presented in Chapter IV showed that MspA, the major porin in M. smegmatis, plays an important role in the entrance of ethidium bromide and antibiotics into the cell and that efflux via the LfrA pump is involved in low-level resistance to these compounds in M. smegmatis. Chapter V describes the study of the contribution of efflux pumps to macrolide resistance in clinical M. avium complex isolates. It was demonstrated that resistance to clarithromycin was significantly reduced in the presence of efflux inhibitors such as thioridazine, chlorpromazine and verapamil. These same inhibitors decreased efflux of ethidium bromide and increased the retention of [14C]-erythromycin in these isolates. Finaly, the methods developed with the experimental models mentioned above allowed the study of the role of efflux pumps on M. tuberculosis strains induced to isoniazid resistance. This is described in Chapter VI of this Thesis, where it is demonstrated that induced resistance to isoniazid does not involve mutations in any of the genes known to be associated with isoniazid resistance, but an efflux system that is sensitive to efflux inhibitors. These inhibitors decreased the efflux of ethidium bromide and also reduced the minimum inhibitory concentration of isoniazid in these strains. Moreover, expression analysis showed overexpression of genes that code for efflux pumps in the induced strains relatively to the non-induced parental strains. In conclusion, the work described in this thesis demonstrates that efflux pumps play an important role in the development of drug resistance, namely in mycobacteria. A strategy to overcome efflux-mediated resistance may consist on the use of compounds that inhibit efflux activity, restoring the activity of antimicrobials that are efflux pump substrates, a useful approach particularly in TB where the most effective treatment regimens are becoming uneffective due to the increase of MDRTB/XDRTB.

Implementação do modelo de Credit Var aplicado a uma carteira de crédito

Dissertação apresentada na Faculdade de Ciências e Tecnologia da Universidade Nova de Lisboa para obtenção do grau de Mestre em Matemática e Aplicações - Actuariado, Estatística e Investigação Operacional

Correlation between the mechanical cycling behavior and microstructure in laser welded joints using NiTi memory shape alloys

Dissertação para obtenção do Grau de Mestre em Engenharia de Materiais