O impacto nos requisitos de capital de uma seguradora através da implementação de uma nova politica de resseguro

Neste projeto pretende-se explicar qual a importância que uma política de resseguro, adotada por uma empresa de seguros, no contexto do Solvência II. O desenvolvimento dessa política pretenderá ajudar a Seguradora a escolher os parâmetros contratuais de resseguro mais favoráveis à empresa, assim como definir quantos e por quais Resseguradores deverá optar nos tratados de resseguro, procurando criar uma nova política de resseguro que tenha um impato diminuto nos riscos de subscrição e de contraparte, ao mesmo tempo que garanta um retorno adequado para Companhia. A escolha das melhores soluções de resseguro serão efetuadas tendo em conta o menor custo na sua contratação e a otimização nos requisitos de capital face à necessidade de subscrição de novos negócios. Será neste ponto que se irá abordar o efeito que o risco de subscrição terá nos requisitos de capital através da criação de cenários, que terão por base a alteração de vários parâmetros. Esta análise mais específica será efetuada pela primeira vez nesta Seguradora. Os cenários criados terão em vista vários aspetos para a Seguradora, desde a otimização do custo de resseguro ao crescimento da sua carteira face ao seu apetite ao risco, através da alteração nos seus tratados de resseguro, mais especificamente nos seus parâmetros. Estas novas alterações pretendem ter impato mais favorável na sua margem de solvência face às anteriores políticas de resseguro implementadas. Em suma, pretende-se desenvolver uma nova política de resseguro que ajude a Seguradora a otimizar os seus riscos de subscrição e de contraparte, tendo em conta as análises e conclusões identificadas por cada cenário e determinar qual será o efeito nos requisitos de capital no âmbito do Solvência II.

Control of a white organic light emitting diode’s emission parameters using a single doped RGB active layer

White Color tuning is an attractive feature that Organic Light Emitting Diodes (OLEDs) offer. Up until now, there hasn’t been any report that mix both color tuning abilities with device stability. In this work, White OLEDs (W-OLEDs) based on a single RGB blend composed of a blue emitting N,N′-Di(1-naphthyl)-N,N′-diphenyl-(1,1′-biphenyl)-4,4′-diamine (NPB) doped with a green emitting Coumarin-153 and a red emitting 4-(Dicyanomethylene)-2-methyl-6-(4-dimethylaminostyryl)-4H-pyran (DCM1) dyes were produced. The final device structure was ITO/Blend/Bathocuproine (BCP)/ Tris(8-hydroxyquinolinato)aluminium (Alq3)/Al with an emission area of 0.25 cm2. The effects of the changing in DCM1’s concentration (from 0.5% to 1% wt.) allowed a tuning in the final white color resulting in devices capable of emitting a wide range of tunes – from cool to warm – while also keeping a low device complexity and a high stabilitty. Moreover, an explanation on the optoelectrical behavior of the device is presented. The best electroluminescense (EL) points toward 160 cd/m2 of brightness and 1.1 cd/A of efficiency, both prompted to being enhanced. An Impedance Spectroscopy (IS) analysis allowed to study both the effects of BCP as a Hole Blocking Layer and as an aging probe of the device. Finally, as a proof of concept, the emission was increased 9 and 64 times proving this structure can be effectively applied for general lighting.

O tempo da ruptura do mundo: "Antropoceno" e capital

A emergência do conceito Antropoceno, uma nova proposta de periodização geológica que coloca o “humano” enquanto referente causal do aquecimento global, suscita múltiplos campos de problematização. No centro da hipótese estão entendimentos particulares do “humano” e da “natureza” que são dispostos enquanto pressupostos de uma estrutura de medidas e considerações económicas, sociais e políticas. O processo de validação científica do termo assenta numa argumentação que, de modo paralelo, estabelece uma ontologia dos elementos em jogo e separa dela as questões do impacto transformativo do capital, identificando os seus modos, processos e elementos com a própria “natureza humana”. A par da emergência do conceito Antropoceno surgiram também perspectivas críticas que referem explicitamente as limitações dos pressupostos históricos, económicos e políticos que lhe servem de base: o capitaloceno, o aceleracionismo e a comunização. Procuramos ver de que modo estes campos críticos e teóricos interrogam não apenas as problemáticas da periodização geológica e ambiental mas também as aporias do seu tempo. A pesquisa é concluída com a sugestão de que questões políticas, subjectivas e técnicas saem reformuladas pelas problemáticas abordadas.

Radiation damage in flexible TFTs and organic detectors

In this thesis was investigated the radiation hardness of the building blocks of a future flexible X-ray sensor system. The characterized building blocks for the pixel addressing and signal amplification electronics are high mobility semiconducting oxide transistors (HMSO-TFTs) and organic transistors (OTFTs), whereas the photonic detection system is based on organic semiconducting single crystals (OSSCs). TFT parameters such as mobility, threshold voltage and subthreshold slope were measured as function of cumulative X-ray dose. Instead for OSSCs conductivity and X-ray sensitivity were analysed after various radiation steps. The results show that ionizing radiation does not lead to degradation in HMSO-TFTs. Instead OTFTs show instability in mobility which is reduced up to 73% for doses of 1 kGy. OSSC demonstrate stable detector properties for the tested total dose range. As conclusion, HMSO-TFTs and OSSCs can be readily employed in the X-ray detector system allowing operation for total doses exceeding 1 kGy of ionizing radiation.

Basel III: The impact of new capital requirements on profitability of Portuguese Banks

This empirical study aims to explore the impact of increased capital ratio requirements, on the ROE of the Portuguese banking sector. The paper employs both a quantitative- and qualitative approach, with the qualitative approach as the main method of research. The method adopted to conduct the qualitative research was semi structured elite interviews with banking executives. Higher capital requirements decrease the ROE of banks in Portugal, but huge impairments charges, macroeconomic factors and increased costs of deposits are clearly the dominant reasons for the reduced levels of ROE the past years. Among the measures taken to increase capital ratios, reduction of RWAs and non-core assets have been the main focus, but the issuance of CoCos is regarded as the most expensive measure due to high interest payments. However, the CoCos will not have any effect on the ROE in the long term. It is difficult to draw any conclusions on the impact of more equity in the balance sheet on the ROE of Portuguese banks, as many banks currently don’t generate enough money to pay back on shareholders´ investments.

Coupling organic substrate removal to methane production in a fully biological microbial electrolysis cell

Microbial electrolysis cells (MECs) are an innovative and emerging technique based on the use of solid-state electrodes to stimulate microbial metabolism for wastewater treatment and simultaneous production of value-added compounds (such as methane). This research studied the performance of a two-chamber MEC in terms of organic matter oxidation (at the anode) and methane production (at the cathode). MEC‟s anode had been previously inoculated with an activated sludge, whereas the cathode chamber inoculum was an anaerobic sludge (containing methanogenic microorganisms). During the experimentation, the bioanode was continuously fed with synthetic solutions in anaerobic basal medium, at an organic load rate (OLR) of around 1 g L-1 d-1, referred to the chemical oxygen demand (COD). At the beginning (Run I), the feeding solution contained acetate and subsequently (Run II) it was replaced with a more complex solution containing soluble organic compounds other than acetate. For both conditions, the anode potential was controlled at -0.1 V vs. standard hydrogen electrode, by means of a potentiostat. During Run I, over 80% of the influent acetate was anaerobically oxidized at the anode, and the resulting electric current was recovered as methane at the cathode (with a cathode capture efficiency, CCE, accounting around 115 %). The average energy efficiency of the system (i.e., the energy captured into methane relative to the electrical energy input) under these conditions was over 170%. However, reactor‟s performance decreased over time during this run. Throughout Run II, a substrate oxidation over 60% (on COD basis) was observed. The electric current produced (57% of coulombic efficiency) was also recovered as methane, with a CCE of 90%. For this run the MEC‟s average energy efficiency accounted for almost 170 %. During all the experimentation, a very low biomass growth was observed at the anode whereas ammonium was transferred through the cationic membrane and concentrated at the cathode. Tracer experiments and scanning electron microscopy analyses were also carried out to gain a deeper insight into the reactor performance and also to investigate the possible reasons for partial loss of performance. In conclusion, this research suggests the great potential of MEC to successfully treat low-strength wastewaters, with high energy efficiency and very low sludge production.

Capital humano

Neste trabalho procurou-se investigar a relação entre a formação académica e as taxas salariais aplicáveis no sector da banca e da hotelaria, assumindo-se que a formação teria um impacto mais forte no sector bancário, em especial, no subsector da banca de investimento. Procedeu-se a uma análise empírica e a hipótese foi confirmada, sendo que, a formação tem efectivamente impacto na determinação salarial em todos os sectores estudados - apesar de modesto - com clara supremacia da variável qualificação - sendo certo que e precisamente na banca de investimento que o seu impacto e mais forte, conforme intuitivamente se previa. Para alem disso foram analisados os impactos diferenciados de várias variáveis na determinação salarial alargando assim o espectro proposto pelo modelo neo-cIássico das teorias do capital humano como tentativa de explicação das diferenças salariais entre trabalhadores Na verdade, os resultados apurados fornecem alguma consistência à visão do capital humano como uma área de investimentos potenciais por parte dos indivíduos e das empresas, cujas decisões se fundamentarão na analise das relações custos-benefícios associadas a essas aplicações. Nesse contexto, a habilitação (educação/formação) parece ser a mais determinante daquelas variáveis neo-cIássicas. Sem embargo, este não ajustamento total por parte do modelo neo-cIássico não lhe retira a importante posição que ocupa, na medida em que os resultados empíricos obtidos no nosso trabalho, à semelhança dos encontrados em muitos outros estudos, confirmam a relevância das variáveis do capital humano na explicação da realidade salarial o que alias e consistente com o ênfase atribuído a esta teoria no quadro da literatura sobre 0 tema. Em conclusão, a remuneração dos indivíduos parece depender mais dos seus próprios atributos produtivos mas também das características da unidade produtiva a que pertencem e do próprio sector onde essa unidade se insere.

Aumento de capital social por "conversão" de créditos sobre a sociedade, nomeadamente de créditos resultantes de prestações suplementares

Na presente dissertação abordaremos o mecanismo do aumento de capital realizado com recurso a créditos sobre a sociedade, nomeadamente, resultantes de prestações suplementares. Este tema afigura-se-nos de particular interesse e considerável relevância não só teoricamente, como face ao momento histórico que vivemos. De facto, o modelo comummente adoptado pelas sociedades comerciais passava pelo recurso a elevados níveis de endividamento, sendo utilizados capitais externos como modo preferencial de financiamento. Dadas as recentes e generalizadas dificuldades de tesouraria e acesso a crédito, as estruturas financeiras das sociedades tiveram de ser repensadas, sendo os mecanismos de autofinanciamento cada vez mais bem vistos. A questão ora em análise afigura-se ainda como merecedora do nosso interesse e análise pelo facto de cruzar vários institutos jurídicos, uns regulados pelo direito civil (extinção e transmissão de obrigações) e outros pelo direito societário (aumento de capital e prestações suplementares), e versar também sobre outras áreas do saber como a contabilidade empresarial. Cumprindo a função de autofinanciamento da sociedade temos os aumentos de capital e as prestações suplementares. Mediante o aumento de capital social realizado com créditos sobre a própria sociedade, sejam estes créditos de terceiros, sejam créditos de sócios decorrentes da realização de prestações suplementares, realiza-se um financiamento com recurso a capitais próprios da sociedade que, desonerando-a de uma dívida, contribui para a sanidade financeira da mesma. Este é, pois, um mecanismo jurídico de grande relevância prática com evidentes vantagens tanto para os sócios – na medida em que fortalece a possibilidade de realização do objecto social - como para os credores – pois confere maior certeza de satisfação dos seus direitos de crédito. Assim, ao longo deste estudo, procuraremos demonstrar as vantagens e benefícios deste mecanismo que justificam amplamente, em nosso entender, que lhe seja dado o devido tratamento legislativo. Iniciaremos o nosso percurso com uma breve análise do conceito estruturante de todo o nosso direito societário, o capital social. Sendo este nuclear ao pensamento jus-societário português e ao tema que ora nos propomos tratar, afigura-se-nos como imperativa a sua devida definição e caracterização para posterior discussão das questões parcelares e particulares que encerra. Feita a sua análise, estaremos em condições de gizar os principais traços de dois dos modos de financiamento das sociedades, abordando primeiramente o elemento central da nossa exposição, o aumento de capital. Não gozando as prestações suplementares do mesmo regime que o capital social e não o integrando ou modificando, pelas suas características intrínsecas, cumprem funções similares a este e são, consequentemente, afins do aumento de capital social. Daí a sua inserção sistemática na presente no âmbito das “vicissitudes da vida das sociedades – modos de financiamento”. A abordagem e tratamento pormenorizado das prestações suplementares tem aqui lugar por força não só da sua função de autofinanciamento das sociedades, paralela à dos aumentos de capital, mas também e essencialmente por força do facto de da sua realização resultarem créditos sobre a sua sociedade que poderão ser objecto de entradas em futuros aumentos de capital. . Sendo a particularidade do mecanismo em causa o tipo de entrada com que é realizado – os créditos – múltiplas questões se levantam e merecem análise e reflexão. Seguir-se-á, então, o estudo da obrigação central e fundacional da posição jurídica de sócio e, consequentemente, da vida das sociedades comerciais, a obrigação de entrada. Aqui, demonstraremos a admissibilidade da realização de aumentos de capital com entradas constituídas por créditos, o que despoleta a questão central da nossa problemática – como se extingue a obrigação de entrada nos aumentos de capital realizados com créditos quando a lei societária proíbe determinante e expressamente a sua extinção por compensação? Aqui chegados, far-se-á uma incursão pelos principais ordenamentos jurídicos europeus, num breve estudo de direito comparado que nos permita iluminar a questão, que entre nós tem sido negligenciada pela doutrina, jurisprudência e, principalmente, pelo legislador. De facto, são poucas as vozes que entre nós versam sobre a incongruência entre a praxis recorrente de realização de aumentos de capital mediante conversão de crédito em capital e a proibição do 27.º n.º 5 do Código das Sociedades Comerciais. Não sendo admitida a compensação, cumpre analisar as várias causas de extinção das obrigações previstas no Código Civil que, à partida, poderão operar a extinção da obrigação de entrada.

Electrodialytic recovery of phosphorus and organic contaminants removal from sewage sludge

Phosphorus is a macronutrient essential to life which comes from phosphate rock, a non-renewable resource. Sewage sludge from wastewater treatment plants (WWTP) is a secondary resource rich in phosphorus that can be valorized. However, organic compounds are detected in sewage sludge, due to its non-polar and hydrophobic character, being considered an environmental risk. The present dissertation aims to study the efficiency of the electrodialytic process (ED) when applied to sewage sludge aiming phosphorus recovery and organic contaminants removal. Four organic compounds were analyzed: 17α-ethynylestradiol (EE2), bisphenol A (BPA), caffeine (Caf) and oxybenzone (MBPh). The experiments took place in an ED cell with two compartments and an anion exchange membrane, with the sludge in the cathode compartment. The experiments were carried out for three days with spiked sewage sludge (six assays). One control experiment was done without current, three experiments were carried out applying a constant current of 50, 75, and 100 mA and two experiments were carried out applying sequential currents: 50 mA, 75 mA and 100 mA and the opposite (100-75-50 mA). A qualitative and quantitative analysis of microorganisms existing in the samples was also done. At the end, the pH increased in the sewage sludge favoring phosphorus recovery. In terms of phosphorus, the highest recovery was achieved in the experiment run with 100 mA, where 70.3±2.0% of total phosphorus was recovered in the electrolyte. Generally, compounds degradation was favored by the current. Caf and MBPh achieved degradation percentages of 96.2±0.2% and 84.8±1.3%, respectively, in 100 mA assay. EE2 (83.1±1.7%) and BPA (91.8±4.6%) degradations were favored by 50 mA current. A total of 35 taxa from four different groups were identified, totalizing between 81,600-273,000 individuals per gram of initial sludges. After ED, microbial community population decreased between 47-98%. Arcella gibbosa represented 61% of the total observed organisms and revealed to be more tolerant to medium changes.

Removal of organic contaminants from wastewater using the electrodialytic process

Pharmaceuticals and personal care products (PPCPs) are widely used on a daily basis. After their usage they reach the wastewater treatment plants (WWTPs). These compounds have different physico-chemical characteristics, which makes them difficult to completely remove in the WWTPs, througth conventional treatments. Currently, there is no legislation regarding PPCPs thresholds in effluent discharge. But, even at vestigial concentrations, these compounds enclose environmental risks due to, e.g., endocrine disruption potential. There is a need of alternative techniques for their removal in WWTPs. The main goal of this work was to assess the use of electrodialytic (ED) process to remove PPCPs from the effluent to be discharged. A two-compartment ED cell was used testing (i) the effluent position in the cell (anode and cathode compartment); (ii) the use of anion (AEM) and cation exchange membrane (CEM); (iii) the treatment period (6, 12 and 24 hours); (iv) effluent recirculation and current steps; (v) the feasibility of sequential treatments. Phosphorus (P) removal from effluent and energetic costs associated to the process were also evaluated. Five PPCPs were studied – caffeine (CAF), bisphenol A (BPA), 17 β-estradiol (E2), ethinyl estradiol (EE2) and oxybenzone (MBPh). The ED process showed to be effective in the removal when effluent is in the anode compartment. Oxidation is suggested to be the main removal process, which was between 88 and 96%, for all the compounds, in 6 hours. Nevertheless, the presence of intermediates and/or by-products was also observed in some cases. Effluent recirculation should have a retention time in the ED cell big enough to promote removal whereas the current steps (effluent in anode compartment) slightly increased removal efficiencies (higher than 80% for all PPCPs). The sequential set of ED treatment (effluent in anode compartment) showed to be effective during both periods with a removal percentage between 80 and 95% and 73 to 88% in the case of AEM and CEM, respectively. Again, the main removal process is strongly suggested to be oxidation in the anode compartment. However, there was an increase of BOD5 and COD, which might be explained by effluent spiking, these parameters limiting the effluent discharge. From these treatments, the use of AEM, enhanced the P removal from effluent to minimize risk of eutrophication. Energetic costs of the best set-up (6 hours) are approximately 0,8€/m3 of wastewater, a value considered low, attending to the prices of other treatment processes.

Organic-inorganic nanostructured multilayers for calcium phosphate biomineralization

The weak fixation of biomaterials within the bone structure is one of the major reasons of implants failures. Calcium phosphate (CaP) coatings are used in bone tissue engineering to improve implant osseointegration by enhancing cellular adhesion, proliferation and differentiation, leading to a tight and stable junction between implant and host bone. It has also been observed that materials compatible with bone tissue either have a CaP coating or develop such a calcified surface upon implantation. Thus, the development of bioactive coatings becomes essential for further improvement of integration with the surrounding tissue. However, most of current applied CaP coatings methods (e.g. physical vapor deposition), cannot be applied to complex shapes and porous implants, provide poor structural control over the coating and prevent incorporation of bioactive organic compounds (e.g. antibiotics, growth factors) because of the used harsh processing conditions. Layer-by-layer (LbL) is a versatile technology that permits the building-up of multilayered polyelectrolyte films in mild conditions based on the alternate adsorption of cationic and anionic elements that can integrate bioactive compounds. As it is recognized in natureâ s biomineralization process the presence of an organic template to induce mineral deposition, this work investigate a ion based biomimetic method where all the process is based on LbL methodology made of weak natural-origin polyelectrolytes. A nanostructured multilayer component, with 5 or 10 bilayers, was produced initially using chitosan and chondroitin sulphate polyelectrolyte biopolymers, which possess similarities with the extracellular matrix and good biocompatibility. The multilayers are then rinsed with a sequential passing of solutions containing Ca2+ and PO43- ions. The formation of CaP over the polyelectrolyte multilayers was confirmed by QCM-D, SEM and EDX. The outcomes show that 10 polyelectrolyte bilayer condition behaved as a  better site for initiating the formation of CaP as the precipitation occur at earlier stages than in 5 polyelectrolyte bilayers one. This denotes that higher number of bilayers could hold the CaP crystals more efficiently. This work achieved uniform coatings that can be applied to any surface with access to the liquid media in a low-temperature method, which potentiates the manufacture of effective bioactive biomaterials with great potential in orthopedic applications.

Where@UM - Dependable organic radio maps

In the past decade, the research community has been dedicating considerable effort into indoor positioning systems based on Wi-Fi fingerprinting techniques, mainly due to their capability to exploit existing infrastructures. Crowdsourcing approaches, also known as organic, have been proposed recently to address the problem of creating and maintaining the corresponding radio maps. In these organic systems, the users of the system build the radio map themselves while using it to estimate their own position/location. However, most of these collaborative methods, proposed by several authors, assume that all the users are honest and committed to contribute to a good quality radio map. In this paper we assess the quality of a radio map built collaboratively and propose a method to classify the credibility of individual contributions and the reputation of individual users. Experimental results are presented for an organic indoor location system that has been used by more than one hundred users over a period of around 12 months.

Degradation of all-inkjet-printed organic thin-film transistors with TIPS-pentacene under processes applied in textile manufacturing

Printed electronics represent an alternative solution for the manufacturing of low-temperature and large area flexible electronics. The use of inkjet printing is showing major advantages when compared to other established printing technologies such as, gravure, screen or offset printing, allowing the reduction of manufacturing costs due to its efficient material usage and the direct-writing approach without requirement of any masks. However, several technological restrictions for printed electronics can hinder its application potential, e.g. the device stability under atmospheric or even more stringent conditions. Here, we study the influence of specific mechanical, chemical, and temperature treatments usually appearing in manufacturing processes for textiles on the electrical performance of all-inkjet-printed organic thin-film transistors (OTFTs). Therefore, OTFTs where manufactured with silver electrodes, a UV curable dielectric, and 6,13-bis(triisopropylsilylethynyl) pentance (TIPS-pentacene) as the active semiconductor layer. All the layers were deposited using inkjet printing. After electrical characterization of the printed OTFTs, a simple encapsulation method was applied followed by the degradation study allowing a comparison of the electrical performance of treated and not treated OTFTs. Industrial calendering, dyeing, washing and stentering were selected as typical textile processes and treatment methods for the printed OTFTs. It is shown that the all-inkjet-printed OTFTs fabricated in this work are functional after their submission to the textiles processes but with degradation in the electrical performance, exhibiting higher degradation in the OTFTs with shorter channel lengths (L=10 μm).

Design of assemblies based on polymer-coated quantum dots and organic dye

During last years, photophysical properties of complexes of semiconductor quantum dots (QDs) with organic dyes have attracted increasing interest. The development of different assemblies based on QDs and organic dyes allows to increase the range of QDs applications, which include imaging, biological sensing and electronic devices.1 Some studies demonstrate energy transfer between QDs and organic dye in assemblies.2 However, for electronic devices purposes, a polymeric matrix is required to enhance QDs photostability. Thus, in order to attach the QDs to the polymer surface it is necessary to chemically modify the polymer to induce electronic charges and stabilize the QDs in the polymer. The present work aims to investigate the design of assemblies based on polymer-coated QDs and an integrated acceptor organic dye. Polymethylmethacrylate (PMMA) and polycarbonate (PC) were used as polymeric matrices, and nile red as acceptor. Additionally, a PMMA matrix modified with 2-mercaptoethylamine is used to improve the attachment between both the donor (QDs) and the acceptor (nile red), as well as to induce a covalent bond between the modified PMMA and the QDs. An enhancement of the energy transfer efficiency by using the modified PMMA is expected and the resulting assembly can be applied for energy harvesting.

On line pre-concentration for simultaneous determination of low molecular weight organic acids and inorganic anions in Amazonian river water samples employing ion chromatography with conductivity detection

An ion chromatography procedure, employing an IonPac AC15 concentrator column was used to investigate on line preconcentration for the simultaneous determination of inorganic anions and organic acids in river water. Twelve organic acids and nine inorganic anions were separated without any interference from other compounds and carry-over problems between samples. The injection loop was replaced by a Dionex AC15 concentrator column. The proposed procedure employed an auto-sampler that injected 1.5 ml of sample into a KOH mobile phase, generated by an Eluent Generator, at 1.5 mL min-1, which carried the sample to the chromatographic columns (one guard column, model AG-15, and one analytical column, model AS15, with 250 x 4mm i.d.). The gradient elution concentrations consisted of a 10.0 mmol l-1 KOH solution from 0 to 6.5 min, gradually increased to 45.0 mmol l-1 KOH at 21 min., and immediatelly returned and maintained at the initial concentrations until 24 min. of total run. The compounds were eluted and transported to an electro-conductivity detection cell that was attached to an electrochemical detector. The advantage of using concentrator column was the capability of performing routine simultaneous determinations for ions from 0.01 to 1.0 mg l-1 organic acids (acetate, propionic acid, formic acid, butyric acid, glycolic acid, pyruvate, tartaric acid, phthalic acid, methanesulfonic acid, valeric acid, maleic acid, oxalic acid, chlorate and citric acid) and 0.01 to 5.0 mg l-1 inorganic anions (fluoride, chloride, nitrite, nitrate, bromide, sulfate and phosphate), without extensive sample pretreatment and with an analysis time of only 24 minutes.