Deciding the sale of a life policy in the viatical market: Implications on individual welfare

[cat] En aquest article, es presenta un model econòmic que permet determinar la venda o no d'una pòlissa de vida (total o en part) per part d'un assegurat malalt terminal en el mercat dels viatical settlements. Aquest mercat va aparèixer a finals de la dècada dels 80 a conseqüència de l'epidèmia de la SIDA. Actualment, representa una part del mercat dels life settlements. Les pòlisses que es comercialitzen en el mercat dels viaticals són aquelles on l'assegurat és malalt terminal amb una esperança de vida de dos anys o menys. El model és discret i considera només dos períodes (anys), ja que aquesta és la vida residual màxima que contempla el mercat. L'agent posseix una riquesa inicial que ha de repartir entre consum i herència. S'introdueix en primer lloc la funció d'utilitat esperada del decisor i, utilitzant programació dinàmica, es dedueix l'estratègia que reporta una utilitat més gran (no vendre/vendre (en part) la pòlissa en el moment zero/vendre (en part) la pòlissa en el moment ú). L'òptim depèn del preu de la pòlissa venuda i de paràmetres personals de l'individu. Es troba una expressió analítica per l'estratègia òptima i es realitza un anàlisi de sensibilitat.

European guidelines for the development of mechanisms/tools supporting the individual demand for training through use of training Vouchers

El projecte de TAV es basa en la transferència d'un sistema de vals de capacitació, i en com aquest sistema de vals és adaptable a altres països o regions. En el document s'analitzen diferents conceptes teòrics sobre la conveniència o no de la implantació d'aquest sistema. A més a més, aquest document és una guia per a les organitzacions interessades en l'adaptació del sistema de vals formatius al seu territori, mostrant els passos a seguir i oferint eines útils per aconseguir-ho.

Generational effects on adult height in individual heterogeneity

As adult height is a well-established retrospective measure of health and standard of living, it is important to understand the factors that determine it. Among them, the influence of socio-environmental factors has been subjected to empirical scrutiny. This paper explores the influence of generational (or environmental) effects and individual and gender-specific heterogeneity on adult height. Our data set is from contemporary Spain, a country governed by an authoritarian regime between 1939 and 1977. First, we use normal position and quantile regression analysis to identify the determinants of self-reported adult height and to measure the influence of individual heterogeneity. Second, we use a Blinder-Oaxaca decomposition approach to explain the `gender height gap¿ and its distribution, so as to measure the influence on this gap of individual heterogeneity. Our findings suggest a significant increase in adult height in the generations that benefited from the country¿s economic liberalization in the 1950s, and especially those brought up after the transition to democracy in the 1970s. In contrast, distributional effects on height suggest that only in recent generations has ¿height increased more among the tallest¿. Although the mean gender height gap is 11 cm, generational effects and other controls such as individual capabilities explain on average roughly 5% of this difference, a figure that rises to 10% in the lowest 10% quantile.

European guidelines for the development of mechanisms/tools supporting the individual demand for training through use of training Vouchers

El projecte de TAV es basa en la transferència d'un sistema de vals de capacitació, i en com aquest sistema de vals és adaptable a altres països o regions. En el document s'analitzen diferents conceptes teòrics sobre la conveniència o no de la implantació d'aquest sistema. A més a més, aquest document és una guia per a les organitzacions interessades en l'adaptació del sistema de vals formatius al seu territori, mostrant els passos a seguir i oferint eines útils per aconseguir-ho.

Fireballs, flares, and flickering: A semianalytic, LTE, explosive model from accretion disks to supernovae

We derive simple analytic expressions for the continuum light curves and spectra of flaring and flickering events that occur over a wide range of astrophysical systems. We compare these results to data taken from the cataclysmic variable SS Cygni and also from SN 1987A, deriving physical parameters for the material involved. Fits to the data indicate a nearly time-independent photospheric temperature arising from the strong temperature dependence of opacity when hydrogen is partially ionized.

Galactic outflows and the pollution of the galactic environment by supernovae

We here explore the effects of the SN explosions into the halo of star-forming galaxies like the Milky Way. Successive randomly distributed and clustered SNe explosions cause the formation of hot superbubbles that drive either fountains or galactic winds above the galactic disk, depending on the amount and concentration of energy that is injected by the SNe. In a galactic fountain, the ejected gas is re-captured by the gravitational potential and falls back onto the disk. From 3D non-equilibrium radiative cooling hydrodynamical simulations of these fountains, we find that they may reach altitudes up to about 5 kpc in the halo and thus allow for the formation of the so called intermediate-velocity-clouds (IVCs) which are often observed in the halos of disk galaxies. The high-velocity-clouds that are also observed but at higher altitudes (of up to 12 kpc) require another mechanism to explain their production. We argue that they could be formed either by the capture of gas from the intergalactic medium and/or by the action of magnetic fields that are carried to the halo with the gas in the fountains. Due to angular momentum losses to the halo, we find that the fountain material falls back to smaller radii and is not largely spread over the galactic disk. Instead, the SNe ejecta fall nearby the region where the fountain was produced, a result which is consistent with recent chemical models of the galaxy. The fall back material leads to the formation of new generations of molecular clouds and to supersonic turbulence feedback in the disk. (C) 2009 COSPAR. Published by Elsevier Ltd. All rights reserved.

Corrosion of dental amalgams: electrochemical study of Ag-Hg, Ag-Sn and Sn-Hg phases

Dental amalgams, formed by reaction of mercury with a powder alloy containing mainly Ag, Sn, Cu and Zn, have a complex metallurgical structure which can contain up to six phases. Their observed corrosion is thus a complex process, which involves contributions from each of the phases present as well as intergranular corrosion. It is thus of interest to investigate the corrosion of individual phases present in dental amalgams. In this work the corrosion behaviour in 0.9% NaCl solution of Ag-Hg, Ag-Sn and Sn-Hg phase components of dental amalgams was investigated by electrochemical methods. The corrosion resistance was found to decrease in the order gamma (1)-Ag2\Hg3, gamma -Ag3Sn and gamma (2)-Sn7Hg. (C) 2001 Elsevier B.V. Ltd. All rights reserved.

Investigação de propriedades de filmes finos de Sn'O IND. 2' e 'Al IND. 2''O IND. 3' para aplicação em dispositivos

Coordenação de Aperfeiçoamento de Pessoal de Nível Superior (CAPES)

Type Ia Supernovae : Homogeneity and Diversity

The use of type Ia supernovae as distance estimators has shown that about 75% of the energy content of the universe has a negative equation of state parameter and thus, drives the acceleration of the universe. Constraining the exact nature of this energy is one of the main goals in cosmology. As the statistics of observed high-redshift supernovae increases, systematic effects become the limiting factor to pursue such investigations, thus deeper understanding of the physical properties of SNe is of great importance. In this thesis we investigate spectral homogeneity and diversity of local and high redshift supernovae. Special emphasis has been given to the analysis of optical spectra of local peculiar supernovae 1999aa and 1999ac. The study of the spectra of SN 1999aa pointed out that this SN could be a link between the extreme peculiar SN 1991T and normal SNe. Moreover, the identification of a high velocity component of Ca II and possibly of a low velocity component of C III suggests some degree of asphericity in the ejecta of this supernova. Evidence for a deflagration of a C+O white dwarf was found in the early spectra of SN 1999ac. The spectral proprieties of a vast sample of local SNe are also studied by means of newly introduced spectral indicators. These were used to possibly improve the intrinsic spread of SN peak magnitudes to 0.15 mag, independently of light curve parameters. The first quantitative comparison between local and high redshift supernova is carried out. No evidence for extreme peculiar sub-luminous SNe was found in our data set including 13 SNe with redshift range z=0.279-0.912. Furthermore, SN2002fd (z=0.279) was found to show spectral characteristics similar to SN 1991T/SN 1999aa-like supernovae. We also present a feasibility study of the Hubble diagram in rest frame I-band up to z~0.5, and show the possibility to probe the presence of intergalactic dust, which could possibly mimic the effect of dark energy in the Hubble diagram.

No surviving evolved companions of the progenitor of SN 1006

Type Ia supernovae are thought to occur when a white dwarf made of carbon and oxygen accretes sufficient mass to trigger a thermonuclear explosion(1). The accretion could be slow, from an unevolved (main-sequence) or evolved (subgiant or giant) star(2,3) (the single-degenerate channel), or rapid, as the primary star breaks up a smaller orbiting white dwarf(3,4) (the double-degenerate channel). A companion star will survive the explosion only in the single-degenerate channel(5). Both channels might contribute to the production of type Ia supernovae(6,7), but the relative proportions of their contributions remain a fundamental puzzle in astronomy. Previous searches for remnant companions have revealed one possible case for SN 1572 (refs 8, 9), although that has been questioned(10). More recently, observations have restricted surviving companions to be small, main-sequence stars(11-13), ruling out giant companions but still allowing the single-degenerate channel. Here we report the results of a search for surviving companions of the progenitor of SN 1006 (ref. 14). None of the stars within 4 arc minutes of the apparent site of the explosion is associated with the supernova remnant, and we can firmly exclude all giant and subgiant stars from being companions of the progenitor. In combination with previous results, our findings indicate that fewer than 20 per cent of type Ia supernovae occur through the single-degenerate channel.

A VLT/FLAMES survey for massive binaries in Westerlund 1. IV. Wd1-5 – binary product and a pre-supernova companion for the magnetar CXOU J1647-45?

Context. The first soft gamma-ray repeater was discovered over three decades ago, and was subsequently identified as a magnetar, a class of highly magnetised neutron star. It has been hypothesised that these stars power some of the brightest supernovae known, and that they may form the central engines of some long duration gamma-ray bursts. However there is currently no consenus on the formation channel(s) of these objects. Aims. The presence of a magnetar in the starburst cluster Westerlund 1 implies a progenitor with a mass ≥40 M⊙, which favours its formation in a binary that was disrupted at supernova. To test this hypothesis we conducted a search for the putative pre-SN companion. Methods. This was accomplished via a radial velocity survey to identify high-velocity runaways, with subsequent non-LTE model atmosphere analysis of the resultant candidate, Wd1-5. Results. Wd1-5 closely resembles the primaries in the short-period binaries, Wd1-13 and 44, suggesting a similar evolutionary history, although it currently appears single. It is overluminous for its spectroscopic mass and we find evidence of He- and N-enrichement, O-depletion, and critically C-enrichment, a combination of properties that is difficult to explain under single star evolutionary paradigms. We infer a pre-SN history for Wd1-5 which supposes an initial close binary comprising two stars of comparable (~ 41 M⊙ + 35 M⊙) masses. Efficient mass transfer from the initially more massive component leads to the mass-gainer evolving more rapidly, initiating luminous blue variable/common envelope evolution. Reverse, wind-driven mass transfer during its subsequent WC Wolf-Rayet phase leads to the carbon pollution of Wd1-5, before a type Ibc supernova disrupts the binary system. Under the assumption of a physical association between Wd1-5 and J1647-45, the secondary is identified as the magnetar progenitor; its common envelope evolutionary phase prevents spin-down of its core prior to SN and the seed magnetic field for the magnetar forms either in this phase or during the earlier episode of mass transfer in which it was spun-up. Conclusions. Our results suggest that binarity is a key ingredient in the formation of at least a subset of magnetars by preventing spin-down via core-coupling and potentially generating a seed magnetic field. The apparent formation of a magnetar in a Type Ibc supernova is consistent with recent suggestions that superluminous Type Ibc supernovae are powered by the rapid spin-down of these objects.

Used car safety standards (vehicle safety status). Final report. Volume IIA (SN 11 A).

National Highway Safety Bureau, Washington, D.C.

Un combate singular, o, Infancia de Sn. José de Calasanz : juguete lírico en un acto y en verso /

Spanish words.

Factum pour maistre Nicolas de Blegny conseiller, chirugien ordinaire du corps de Monsieur, et préposé sous l'aueu du Roy par le sieur Premier Medicin de sa Majesté, à la recherche [et] verification des nouvelles découvertes de médecine : Appelant de la permision d'informer, information decret décerné par le Sieur Lieutenant de Police, [et] de tout ce qui sén est ensuivy ; contre les Doyen [et] Docteurs de la Faculté de Médecine, en l'Université de Paris ...

Mode of access: Internet.

Viage [sic] pintoresco por los rios Paraná, Paraguay, Sn Lorenzo, Cuyabá y el Arino tributario del grande Amazonas : con la descripción de la provincia de Mato Grosso bajo su aspecto físico, geográfico, mineralójico [sic] y sus producciones naturales /

Sabin,