Customer Lifetime Value: a framework for application in the insurance industry - Building a Business Process to Generate and Maintain an Automatic Estimation Agent

Research Project submited as partial fulfilment for the Master Degree in Statistics and Information Management

Synthesis and characterization of sugar containing hydrophilic and hydrophobic polymers with potential application in medicine

Dissertation toobtaina Master of Science degree in Bioorganics

Bioprocess engineering of induced pluripotent stem cells for application in cell therapy and pre-clinical research

Dissertation to obtain Master Degree in Biotechnology

Engineering of metal oxide nanoparticles for application in electrochemical devices

The growing demand for materials and devices with new functionalities led to the increased inter-est in the field of nanomaterials and nanotechnologies. Nanoparticles, not only present a reduced size as well as high reactivity, which allows the development of electronic and electrochemical devices with exclusive properties, when compared with thin films. This dissertation aims to explore the development of several nanostructured metal oxides by sol-vothermal synthesis and its application in different electrochemical devices. Within this broad theme, this study has a specific number of objectives: a) research of the influence of the synthesis parameters to the structure and morphology of the nanoparticles; b) improvement of the perfor-mance of the electrochromic devices with the application of the nanoparticles as electrode; c) application of the nanoparticles as probes to sensing devices; and d) production of solution-pro-cessed transistors with a nanostructured metal oxide semiconductor. Regarding the results, several conclusions can be exposed. Solvothermal synthesis shows to be a very versatile method to control the growth and morphology of the nanoparticles. The electrochromic device performance is influenced by the different structures and morphologies of WO3 nanoparticles, mainly due to the surface area and conductivity of the materials. The dep-osition of the electrochromic layer by inkjet printing allows the patterning of the electrodes without wasting material and without any additional steps. Nanostructured WO3 probes were produced by electrodeposition and drop casting and applied as pH sensor and biosensor, respectively. The good performance and sensitivity of the devices is explained by the high number of electrochemical reactions occurring at the surface of the na-noparticles. GIZO nanoparticles were deposited by spin coating and used in electrolyte-gated transistors, which promotes a good interface between the semiconductor and the dielectric. The produced transistors work at low potential and with improved ON-OFF current ratio, up to 6 orders of mag-nitude. To summarize, the low temperatures used in the production of the devices are compatible with flexible substrates and additionally, the low cost of the techniques involved can be adapted for disposable devices.

GIS application in water resources master planning

Due to water scarcity, it is important to organize and regulate water resources utilization to satisfy the conflicting water demands and needs. This paper aims to describe a comprehensive methodology for managing the water sector of a defined urbanized region, using the robust capabilities of a Geographic Information System (GIS). The proposed methodology is based on finding alternatives to cover the gap between recent supplies and future demands. Nablus which is a main governorate located in the north of West Bank, Palestine, was selected as case study because this area is classified as arid to semi-arid area. In fact, GIS integrates hardware, software, and data for capturing, managing, analyzing, and displaying all forms of geographic information. The resulted plan of Nablus represents an example of the proposed methodology implementation and a valid framework for the elaboration of a water master plan.

Lithium-doped silk fibroin films for application in electrochromic devices

Silk fibroin (SF) is a commonly available natural biopolymer produced in specialized glands of arthropods, with a long history of use in textile production and also in health cares. The exceptional intrinsic properties of these fibers, such as self-assembly, machinability, biocompatibility, biodegradation or non-toxicity, offer a wide range of exciting opportunities [1]. It has long been recognized that silk can be a rich source of inspiration for designing new materials with tailored properties, enhanced performance and high added value for targeted applications, opening exciting new prospects in the domain of materials science and related technological fields, including bio-friendly integration, miniaturization and multifunctionalization. In recent years it has been demonstrated that fibroin is an excellent material for active components in optics and photonics devices. Progress in new technological fields such as optics, photonics and electronics are emerging [2,3]. The incorporation of polymer electrolytes as components of various devices (advanced batteries, smart windows, displays and supercapacitors) offers significant advantages with respect to traditional electrolytes, including enhanced reliability and improved safety. SF films are particularly attractive in this context. They have near-perfect transparency across the VIS range, surface flatness (together with outstanding mechanical robustness), ability to replicate patterned substrates and their thickness may be easily tailored from a few nanometers to hundreds of micrometers through spin-casting of a silk solution into subtract. Moreover, fibroin can be added to other biocomponents or salts in order to modify the biomaterial properties leading to optimized and total different functions. Preliminary tests performed with a prototype electrochromic device (ECD) incorporating SF films doped with lithium triflate and lithium tetrafluoroborate (LiTFSI and LiBF4, respectively) as electrolyte and WO3 as cathodic electrochromic layer, are extremely encouraging. Aiming to evaluate the performance of the ion conducting SF membranes doped with LiTFSI and LiBF4 (SF-Li), small ECDs with glass/ITO/WO3/SF-Li/CeO2-TiO2/ITO/glass configuration were assembled and characterized. The device exhibited, after 4500 cycles, the insertion of charge at -3.0 V reached –1.1 mC.cm-2 in 15 s. After 4500 cycles the window glass-staining, glass/ITO/WO3/Fibrin-Li salts electrolyte/CeO2-TiO2/ITO/glass configuration was reversible and featured a T  8 % at λ = 686 nm

Study of Coronary Flow Reserve with Intravenous Use of Microbubbles (Contrast Echocardiography) and Adenosine: Protocol for Clinical Application in Patients Suspected of Having Coronary Heart Disease

OBJECTIVE: To test the feasibility, safety and accuracy of the adenosine protocol in the study of myocardial perfusion with microbubbles contrast echocardiography. METHODS: 81 pts (64 male, 60+11 years) were submitted to contrast echocardiography with PESDA (sonicated solution of albumin 20%-1ml, dextrose 5%-12ml and deca-fluorobutane gas-8ml) to study the myocardial perfusion at rest and after bolus injection of adenosine (6 to 18mg) and to coronary angiography within 1 month each other. For each patient 3 left ventricle perfusion beds were considered (total of 243 territories). 208 territories were analyzed and 35 territories were excluded. PESDA was continuously infused (1-2ml/min), titrated for best myocardial contrast. Triggered (1:1) second harmonic imaging was used. RESULTS: Coronary angiography showed 70 flow limiting (> 75%) lesions and 138 no flow limiting lesions. At rest an obvious myocardium contrast enhancement was seen in at least 1 segment of a territory in all patients. After adenosine injection an unquestionable further increase in myocardial contrast was observed in 136 territories (99%) related to no flow limiting lesions, lasting < 10 s, and a myocardial perfusion defect was detected in 68 territories (97%) related to flow limiting lesions. It was observed only 4 false results. There were no serious complications. CONCLUSION: Myocardial perfusion study with PESDA and adenosine protocol is a practical, safe and accurate method to analyze the coronary flow reserve.

Estudios de sistemas organizados con aplicaciones en nanoquímica, síntesis orgánica y en reactividad. Studies of organized systems with applications in nanochemistry, organic synthesis and reactivity.

El objetivo general de este proyecto es el estudio de distintos tipos de sistemas organizados, conocer los factores que determinan la forma de organización y las consecuencias que ésta tiene sobre la reactividad de moléculas que se encuentran en ese entorno organizado. Se pretende realizar, desde la fisicoquímica y la síntesis orgánica, aportes a áreas multidisciplinarias como la nanociencia y la nanotecnología. Se sintetizarán ciclodextrinas anfifílicas y se estudiará su comportamiento en solución y en interfases, sus propiedades de agregación y morfología. Se estudiará también la termodinámica de los procesos y la capacidad catalítica de estas ciclodextrinas anfifílicas en superficies bidimensionales en reacciones de hidrólisis de ésteres. Las ciclodextrinas anfifílicas sintetizadas en el laboratorio se utilizarán también en mezclas con otros surfactantes, con el objetivo de generar medios eficientes respecto a la solubilización y extracción de contaminantes orgánicos desde suelos. Se espera encontrar sistemas que presenten efectos sinérgicos. Se determinará el efecto de la formación de complejos con ciclodextrina sobre las propiedades fisicoquímicas y la reactividad de pesticidas de amplio uso en agricultura, en particular de compuestos organofosforados. Se investigarán ciclodextrinas que permitan controlar la liberación del agroquímico y se realizarán estudios de la reactividad de los pesticidas en solución y en medios que simulen el suelo determinando si la inclusión en las ciclodextrinas modifica la velocidad de descomposición. En la búsqueda de nuevos sistemas microheterogéneos se sintetizarán surfactantes gémini con una cadena hidrocarbonada y una perfluorada y se determinarán sus propiedades. Luego de su caracterización, estos surfactantes se aplicarán en estudios de reactividad de compuestos insolubles en agua.Se estudiará la formación de complejos de ciclodextrina con metales de transición y los mismos se utilizarán como catalizadores en reacciones de oxidación de sulfuros y de alquenos en medios acuosos y no acuosos buscando condiciones donde se logre inducción quiral. Se sintetizarán compuestos azufrados polifuncionales con los cuales se modificarán superficies de nanopartículas por quimioadsorción de los mismos. Dado que se pretende obtener compuestos con propiedades específicas que dependen de su estructura, se llevará a cabo el modelado computacional de las distintas moléculas en estudio, ya que esto podría aportar datos relevantes acerca de qué modificaciones estructurales podrían intensificar la propiedad o propiedades buscadas. En una etapa posterior se correlacionarán las propiedades predichas a través de cálculos teóricos con las observadas experimentalmente, lo que intrínsecamente conlleva a un mayor conocimiento del sistema.Los estudios propuestos en este proyecto permitirán avanzar en la comprensión de los factores supramoleculares que controlan y modulan la interacción de ligandos con sus receptores en interfases y la ocurrencia de reacciones hidrolíticas en interfases autoorganizadas.

Estudios in vitro e in vivo de agentes fotosensibilizadores y su aplicación en terapia fotodinámica. In vitro and in vivo studies of photosensitizer agents and its application in photodynamic therapy.

Muchos esfuerzos se están realizando en el diseño de nuevos métodos para la eliminación de las células tumorales y así inhibir el crecimiento neoplásico. Entre los métodos no convencionales se encuentran la Terapia Fotodinámica.La Terapia Fotodinámica (TFD) es un tratamiento experimental de algunos tipos de cáncer, basado en el efecto citotóxico inducido en el tejido tumoral, por la acción combinada de una droga (fotosensibilizador) y la luz visible. El fotosensibilizador posee la propiedad de absorber la luz y reaccionar con el oxígeno molecular, produciendo una forma activa del oxígeno: el oxígeno singlete (1O2) que oxida diversas moléculas biológicas, induciendo un efecto citotóxico que se traduce en la regresión tumoral. Los nuevos avances en la dosimetría de la luz, así como la búsqueda de una segunda generación de nuevos fotosensibilizadores más eficaces que los actualmente utilizados, han permitido incluir protocolos de Terapia Fotodinámica en numerosos centros hospitalarios principalmente para el tratamiento de cánceres de pulmón, vejiga, esófago y piel. Plantas fototóxicas, sus metabolitos fotosensibilizantes y sus posibles usos; En general, dentro de las especies vegetales tóxicas existen aquellas denominadas plantas alergénicas, que son las que pueden producir sus efectos indeseables por vía dérmica. También existen aquellas que pueden producir efectos tóxicos por vía sistémica. Sin embargo, coexiste en la naturaleza otro grupo de plantas tóxicas que desencadenan sus efectos nocivos bajo la acción de la luz, por lo que son llamadas plantas fototóxicas, cuyos principios activos son comúnmente denominados agentes fotosensibilizantes La apoptosis como blanco terapéutico contra el cáncer: Los conocimientos moleculares sobre la apoptosis adquiridos en los últimos años están siendo aplicados al desarrollo de nuevos fármacos que puedan modular selectivamente las señales involucradas en la muerte de las células. Una de las razones que justifica el interés en el estudio de este tipo de moléculas, es que una de las características más tempranas en la transformación de la células neoplásicas esta relacionada con la incapacidad de responder a los estímulos de muerte. Esto lleva a una desregulación del proceso de apoptosis desencadenando una proliferación descontrolada. Los otros eventos que desencadenan el cáncer son, la invasión vascular y la metástasis a distanciaLa adquisición de resistencia a los efectos citotóxicos de los tratamientos anticancerígenos ha emergido como un significante impedimento para el efectivo tratamiento de la enfermedad. Por ello, en el presente proyecto se investigará si la adquisición de resistencia a TFD inducida en la línea celular estudiada es conferida por el aumento de la proteína MDRP1 a través de la vía de señalización PI3K/Akt. Además, se estudiará la correlación entre la posible resistencia a drogas y la inducción de apoptosis, analizando los mecanismos involucrados. Los resultados obtenidos contribuirán a dilucidar y entender los mecanismos moleculares implicados en la resistencia y sensibilidad tumoral a la TFD, y de esta manera mejorar la eficacia de dicha terapia antitumoral para sensibilizar a las células a la apoptosis. OBJETIVOS Estudiar el efecto de agentes fotosensibilizadores de origen sintético (ftalocianinas), comercialmente ya aprobadas por la FDA (Me-ALA), de origen natural (antraquinonas), y obtenidas en procesos nanotecnologicos (nanofibras) respecto a su capacidad de inducir la muerte celular en sistemas experimentales in vivo, para el desarrollo de nuevas drogas de aplicación en Terapia Fotodinámica (PDT). Estudiar las señales de apoptosis que se desencadenan, combinando la PDT con iRNA (antisurvivina) con la finalidad de aumentar la eficiencia de la muerte tumoral. Estudiar los mecanismos de resistencia a la Terapia Fotodinámica en carcinoma de células escamosas con fotosensibilizadores permitidos (Me-ALA).

Routine use of point-of-care tests: usefulness and application in clinical microbiology.

Point-of-care (POC) tests offer potentially substantial benefits for the management of infectious diseases, mainly by shortening the time to result and by making the test available at the bedside or at remote care centres. Commercial POC tests are already widely available for the diagnosis of bacterial and viral infections and for parasitic diseases, including malaria. Infectious diseases specialists and clinical microbiologists should be aware of the indications and limitations of each rapid test, so that they can use them appropriately and correctly interpret their results. The clinical applications and performance of the most relevant and commonly used POC tests are reviewed. Some of these tests exhibit insufficient sensitivity, and should therefore be coupled to confirmatory tests when the results are negative (e.g. Streptococcus pyogenes rapid antigen detection test), whereas the results of others need to be confirmed when positive (e.g. malaria). New molecular-based tests exhibit better sensitivity and specificity than former immunochromatographic assays (e.g. Streptococcus agalactiae detection). In the coming years, further evolution of POC tests may lead to new diagnostic approaches, such as panel testing, targeting not just a single pathogen, but all possible agents suspected in a specific clinical setting. To reach this goal, the development of serology-based and/or molecular-based microarrays/multiplexed tests will be needed. The availability of modern technology and new microfluidic devices will provide clinical microbiologists with the opportunity to be back at the bedside, proposing a large variety of POC tests that will allow quicker diagnosis and improved patient care.

The Invisible Students : Young Parents in Education

As Minister for Children, I am pleased to publish this paper on young parents and education disadvantage, which has been commissioned as part of the evaluation of the Teenage Parents Support Initiative (TPSI). The aim of this paper is to identify and discuss key aspects of the policy landscape in relation to young parentsâ?T participation in education and to inform the work of the TPSI pilot projects. For all young people, education and training offers a possible route out of poverty, social exclusion and isolation. Research suggests that teenage parents represent a particularly vulnerable group within the education system and that difficulties in continuing formal education and in accessing relevant training opportunities are significant issues for young parents and their children. Download document here

An Adenovirus Vector Containing the Suicide Gene Thymidine Kinase for a Broad Application in Cancer Gene Therapy

Treatment of cancer using gene therapy is based on adding a property to the cell leading to its elimination. One possibility is the use of suicide genes that code for enzymes that transform a pro-drug into a cytotoxic product. The most extensively used is the herpes simplex virus thymidine kinase (TK) gene, followed by administration of the antiviral drug ganciclovir (GCV). The choice of the promoter to drive the transcription of a transgene is one of the determinants of a given transfer vector usefulness, as different promoters show different efficiencies depending on the target cell type. In the experiments presented here, we report the construction of a recombinant adenovirus carrying TK gene (Ad-TK) driven by three strong promoters (P CMV IE, SV40 and EN1) and its effectiveness in two cell types. Human HeLa and mouse CCR2 tumor cells were transduced with Ad-TK and efficiently killed after addition of GCV. We could detect two sizes of transcripts of TK gene, one derived from the close together P CMV IE/SV40 promoters and the other from the 1.5 Kb downstream EN1 promoter. The relative amounts of these transcripts were different in each cell type thus indicating a higher flexibility of this system.

Not in Education, Employment, or Training status among young Swiss men. Longitudinal associations with mental health and substance use.

PURPOSE: Not in Education, Employment, or Training (NEET) youth are youth disengaged from major social institutions and constitute a worrying concern. However, little is known about this subgroup of vulnerable youth. This study aimed to examine if NEET youth differ from other contemporaries in terms of personality, mental health, and substance use and to provide longitudinal examination of NEET status, testing its stability and prospective pathways with mental health and substance use. METHODS: As part of the Cohort Study on Substance Use Risk Factors, 4,758 young Swiss men in their early 20s answered questions concerning their current professional and educational status, personality, substance use, and symptomatology related to mental health. Descriptive statistics, generalized linear models for cross-sectional comparisons, and cross-lagged panel models for longitudinal associations were computed. RESULTS: NEET youth were 6.1% at baseline and 7.4% at follow-up with 1.4% being NEET at both time points. Comparisons between NEET and non-NEET youth showed significant differences in substance use and depressive symptoms only. Longitudinal associations showed that previous mental health, cannabis use, and daily smoking increased the likelihood of being NEET. Reverse causal paths were nonsignificant. CONCLUSIONS: NEET status seemed to be unlikely and transient among young Swiss men, associated with differences in mental health and substance use but not in personality. Causal paths presented NEET status as a consequence of mental health and substance use rather than a cause. Additionally, this study confirmed that cannabis use and daily smoking are public health problems. Prevention programs need to focus on these vulnerable youth to avoid them being disengaged.

Re-infestation of houses by Triatoma dimidiata after intra-domicile insecticide application in the Yucatán peninsula, Mexico

In most countries, Chagas disease transmission control remains based on domestic insecticide application. We thus evaluated the efficacy of intra-domicile cyfluthrin spraying for the control of Triatoma dimidiata, the only Chagas disease vector in the Yucatán peninsula, Mexico, and monitored potential re-infestation every 15 days for up to 9 months. We found that there was a re-infestation of houses by adult bugs starting 4 months after insecticide application, possibly from sylvatic/peridomicile areas. This points out the need to take into account the potential dispersal of sylvatic/peridomestic adult bugs into the domiciles as well as continuity action for an effective vector control.

A New Partnership in Education: From Consultation to Legislation in the Nineties

"In the nineties, dialogue in the Irish education system has been frenetic and painful at times. But it has gradually led to an extraordinary cohesion and partnership in the system. The book tracks the major consultations - and confrontations - of the nineties and it explores the personalities and policies of the protagonists - ministers, officials, leaders of Church bodies and third-level institutions, representatives of teachers' unions and parents' organisations." "All of the important consultation documents of the decade are here, the various drafts of the Green and White Papers - some benign, some infamous - the Bills, the Acts. The big issues are expertly set forth - intermediate structures and regionalisation, school governance and boards of management, the role of the Churches, higher education and the abolition of tuition fees."-This resource was contributed by The National Documentation Centre on Drug Use.