Understanding Insurance Company Financial Stability Ratings, January 2007

Choosing a financially strong insurance company is important when buying health insurance. You want the company to still be in business when you have claims, which can be 20 to 30 years from now. Insurance companies selling insurance in Iowa have met the minimum legal standards to be licensed by the State of Iowa Insurance Division. This licensure doesn’t mean the company has a high financial stability rating. Several independent rating agencies evaluate the financial stability of insurance companies. The rating for an individual insurance company is an opinion as to its financial strength and ability to pay claims in the future. When evaluating a company, a rating agency may consider a company's balance sheet strength, operating performance and business management and strategies.

Práticas de Apoio à Supervisão Pedagógica com Recurso a um Ambiente Virtual na Universidade de Cabo Verde

Neste artigo pretendemos relatar uma experiência de apoio à supervisão de estágio e de dinamização de duas disciplinas na licenciatura de Ciências da Educação – Percurso de Desenvolvimento Pessoal e Social na Universidade de Cabo Verde (Uni-CV), com recurso à Moodle. Esta experiência, em curso, enquadra-se num projeto de Investigação-Ação (IA) a decorrer e com o qual se pretende melhorar a prática de orientação/supervisão de estágios pedagógicos no contexto da Uni-CV. Este texto reporta-se a um dos momentos de desenvolvimento do projeto, relativo à caraterização das competências tecnológicas dos estagiários/estudantes, principais destinatários desta ação e das suas expectativas em relação ao trabalho com ambientes virtuais de aprendizagem. Os dados foram recolhidos com recurso a um inquérito por questionário e a partir da sua análise constatamos que os inquiridos têm alguma facilidade de navegação na Web, possuem também competências básicas para o trabalho em ambientes online, assim como vontade experienciar trabalhar em diferentes ambientes de aprendizagem. As principais dificuldades identificadas, prendem-se com a dificuldade de acesso a um computador e à Internet.

Entrepreneurial structure of the mercantile company in pre-industrial Catalonia

The mercantile company was the basic form of enterprise in pre-industrial Catalonia. The aim of this paper is to study the formation and development of the mercantile companies in Barcelona whose end was the wholesale and retail sale of textiles in the botigues de teles (textile retail shops) throughout the eighteenth century. These firms were officially registered before a notary and their deeds reveal how these establishments were administered and managed.The study covers a sample of 121 mercantile companies, and the articles and documentation that were put into effect by 32 notaries who were active in Barcelona in the 18th century have been consulted in their entirety. From an initial selection of documentation, a total of 228 deeds registering companies have been found, 107 of which (47%) relate to the creation of companies whose various activities were centred in taverns, textile manufacturing, braiding.... While the 121 companies, which make up our sample and which account for 53% of the deeds registered with the notaries mentioned above, focused exclusively on the management of textile retail shops located in the commercial heart of the city. Thus one point of interest that the documentation reveals is that the majority of the mercantile companies registered by Barcelona notaries throughout the 18th century were establishments which traded in textiles. The first part of the article focuses on the structural characteristics of these enterprises, the number and socio-professional status of the partners and the extent of each partner s involvement in the administration and management. The second part of the article examines the capital investment made by each partner, their rights and obligations agreed on, the sharing out of profits and possible losses and the duration of the companies. The final aim of the paper is to highlight the evolution of these companies through one specific case.

Aprendizagem em ambiente virtual. O caso da Universidade Jean Piaget de Cabo Verde

O presente trabalho tem como tema aprendizagem em ambiente virtual cujos os objectivos principais são, entender o conceito do ambiente virtual de aprendizagem face ao impacto da sociedade de informação e analisar a utilização dos recursos do ambiente virtual no processo ensino-aprendizagem pelos docentes da Universidade Jean Piaget de Cabo Verde. Para o desenvolvimento deste trabalho recorreu-se a pesquisas bibliográficas e a aplicação de questionário. Como resultado da pesquisa surgem alguns indicadores que permitem dizer que docentes estão familiarizados com os recursos tecnológicos. No que concerne a sensibilidade da utilização do ambiente virtual face ao processo ensino-aprendizagem, percebe-se que o os docentes estão sensibilizados dos que o ambiente virtual oferece para o processo de ensino.

Potencialidades do Campus Virtual Global Aplicações práticas da utilização da plataforma de educação

A utilização do Campus Virtual Global do Instituto Piaget como instrumento obrigatório no processo de aprendizagem. As ferramentas do Campus aproximam docentes e discentes, aumentam a cooperação, proporcionam maior participação dos alunos e propiciam o consequente desenvolvimento de competências. A nova ênfase do trabalho docente deixa para segundo plano o discurso de retórica e a exposição tradicional e centra-se nos alunos; o professor propõe tarefas e actividades contínuas, apoiadas em ferramentas que propiciam o diálogo socrático.

Utilização da Virtual Private Network Caso da Universidade Jean Piaget de Cabo Verde

O trabalho científico realizado no âmbito dos regulamentos dos cursos de graduação para a obtenção de grau de licenciatura na Universidade Jean Piaget de Cabo Verde, pretende analisar a utilização da VPN, mais concretamente na Universidade Jean Piaget de Cabo Verde. Durante a elaboração desse trabalho será feito uma breve introdução sobre redes de computadores, sobre segurança na rede, um enquadramento teórico sobre VPN, bem como a sua contextualização num ambiente organizacional, mostrando as várias vantagens do seu uso, custo e beneficio e por fim o caso prático na Universidade Jean Piaget.

Tenda Virtual orientada a compres per escaneig amb el telèfon mòbil

CMS (Sistema Gestor de Continguts) és una tecnologia en ple auge que permet implantar solucions web d'una manera senzilla, econòmica i amb un fàcil manteniment per part dels usuaris que en fan ús. Aquest projecte és un estudi que pretén analitzar i escollir el millor CMS dirigit a comerç electrònic d'entre el ventall existent actualment al mercat, creant un document que serveixi de referent o guia a qualsevol persona interessada en implantar un sistema d'aquestes característiques. A més, es centrarà a la programació d'un component instal·lable pel CMS escollit que permeti introduir-nos a la creació d'extensions i ens formi en l'àmbit de la programació web. Aquest component el podrem afegir al CMS i permetrà realitzar compres escanejant codis amb el telèfon mòbil.

Laboratorio virtual de química en software libre para la preparación de disoluciones

Con este TFM se muestra un laboratorio virtual de química a través de diversos experimentos para la preparación de disoluciones en función de sus expresiones de concentración.

Projecto de Simulação: Empresa Digital Tech

Em contexto de simulação, utilizando a plataforma Marketplace, foram colocados oito grupos, simulando serem empresas, a trabalhar num ambiente virtual de mercado. Neste, teriam de actuar como empresas produtoras e comercializadoras de computadores, exercendo todas as actividades de uma empresa real. O objectivo era avaliar o desempenho de cada grupo/empresa, vencendo quem tivesse o melhor Balanced Scorecard acumulado. O presente relatório refere-se a uma dessas empresas, nomeadamente, a Digital Tech. Abstract As a simulation, using the Marketplace Platform, eight groups were placed as companies operating in a virtual market. They would act as companies that produce and sell computers employing all the roles of a real company. The goal was to evaluate each group/company, to determine the winner with the best Accumulated Balanced Scorecard. This report is about one of these companies, The Digital Tech

Relatório Final Jogos-Simulação De Marketing – Power Computer

This school in the course of Marketing Business Management and specifically Entrepr This school in the course of Marketing Business Management and specifically Entrepreneurship in the discipline of Simulation - Games Marketing year was accordingly for the creation of a company in the computer business in business online simulator called Marketplace, in order to put into practice all the theoretical knowledge acquired during all previous semesters. This platform we were confronted with decisions in eight quarters corresponding 4 every year , in order to encourage learning in a practical way, a virtual and dynamic environment. Every quarter acareados with well organized tasks taking as a reference point defined strategies such as market research analysis, branding , store management after its creation , development of the policy of the 4Ps , identifying opportunities , monitoring of finances and invest heavily . All quarters were subjected decisions and are then given the results , such as: market performance , financial performance, investments in the future , the "health" of the company 's marketing efficiency then analyzed by our company , teaching and also by competition Balanced Scorecard ie , semi-annual and cumulative . For the start of activities it was awarded the 1st year a total of 2,000,000, corresponding to 500,000 out of 4 first quarter , and 5,000,000 in the fifth quarter in a total of 7,000,000 . The capital invested was used to buy market research, opening sales offices , create brands , contract sales force , advertise products created and perform activity R & D in order to make a profit and become self- sufficient to guarantee the payment of principal invested to headquarters ( Corporate Headquarters ) .

Virtual autopsy with multiphase postmortem computed tomographic angiography versus traditional medical autopsy to investigate unexpected deaths of hospitalized patients: a cohort study.

BACKGROUND: "Virtual" autopsy by postmortem computed tomography (PMCT) can replace medical autopsy to a certain extent but has limitations for cardiovascular diseases. These limitations might be overcome by adding multiphase PMCT angiography. OBJECTIVE: To compare virtual autopsy by multiphase PMCT angiography with medical autopsy. DESIGN: Prospective cohort study. (ClinicalTrials.gov: NCT01541995) SETTING: Single-center study at the University Medical Center Hamburg-Eppendorf, Hamburg, Germany, between 1 April 2012 and 31 March 2013. PATIENTS: Hospitalized patients who died unexpectedly or within 48 hours of an event necessitating cardiopulmonary resuscitation. MEASUREMENTS: Diagnoses from clinical records were compared with findings from both types of autopsy. New diagnoses identified by autopsy were classified as major or minor, depending on whether they would have altered clinical management. RESULTS: Of 143 eligible patients, 50 (35%) had virtual and medical autopsy. Virtual autopsy confirmed 93% of all 336 diagnoses identified from antemortem medical records, and medical autopsy confirmed 80%. In addition, virtual and medical autopsy identified 16 new major and 238 new minor diagnoses. Seventy-three of the virtual autopsy diagnoses, including 32 cases of coronary artery stenosis, were identified solely by multiphase PMCT angiography. Of the 114 clinical diagnoses classified as cardiovascular, 110 were confirmed by virtual autopsy and 107 by medical autopsy. In 11 cases, multiphase PMCT angiography showed "unspecific filling defects," which were not reported by medical autopsy. LIMITATION: These results come from a single center with concerted interest and expertise in postmortem imaging; further studies are thus needed for generalization. CONCLUSION: In cases of unexpected death, the addition of multiphase PMCT angiography increases the value of virtual autopsy, making it a feasible alternative for quality control and identification of diagnoses traditionally made by medical autopsy. PRIMARY FUNDING SOURCE: University Medical Center Hamburg-Eppendorf.

Plataforma Roteiro Turístico Virtual - PRTV

Com o crescimento do mercado de dispositivos móveis e uma previsão de aumento significativo do turismo em São Vicente, este trabalho apresenta a conceção e o desenvolvimento de uma aplicação Android para prover e gerir roteiros turísticos a partir de uma abordagem distribuída com o armazenamento de dados na nuvem com a plataforma virtual. O aumento dos turistas na cidade promoverá o turismo regional e a visitação aos pontos turísticos da cidade do Mindelo. A dificuldade na localização dos pontos turísticos pode ser um problema para os turistas, devido à falta de informações, sinalizações e de serviços para atender a demanda. O uso de aplicações para dispositivos móveis vai ao encontro desta necessidade, permitindo o desenvolvimento de inúmeras aplicações turísticas. Neste contexto, este trabalho apresenta o estudo e o desenvolvimento de uma aplicação para dispositivos móveis, com sistema operativo Android, que serve como a informação virtual da cidade do Mindelo. Por meio da aplicação o turista pode se localizar no mapa, permite buscar rapidamente os pontos turísticos, ver o itinerário da linha do turismo, seus pontos de paragem e obter informações detalhadas de cada ponto turístico. Esta aplicação utiliza sistemas de localização geográfica, mapas, comunicação de dados e base de dados.

Access to a simulator is not enough: the benefits of virtual reality training based on peer-group-derived benchmarks--a randomized controlled trial.

BACKGROUND: Virtual reality (VR) simulators are widely used to familiarize surgical novices with laparoscopy, but VR training methods differ in efficacy. In the present trial, self-controlled basic VR training (SC-training) was tested against training based on peer-group-derived benchmarks (PGD-training). METHODS: First, novice laparoscopic residents were randomized into a SC group (n = 34), and a group using PGD-benchmarks (n = 34) for basic laparoscopic training. After completing basic training, both groups performed 60 VR laparoscopic cholecystectomies for performance analysis. Primary endpoints were simulator metrics; secondary endpoints were program adherence, trainee motivation, and training efficacy. RESULTS: Altogether, 66 residents completed basic training, and 3,837 of 3,960 (96.8 %) cholecystectomies were available for analysis. Course adherence was good, with only two dropouts, both in the SC-group. The PGD-group spent more time and repetitions in basic training until the benchmarks were reached and subsequently showed better performance in the readout cholecystectomies: Median time (gallbladder extraction) showed significant differences of 520 s (IQR 354-738 s) in SC-training versus 390 s (IQR 278-536 s) in the PGD-group (p < 0.001) and 215 s (IQR 175-276 s) in experts, respectively. Path length of the right instrument also showed significant differences, again with the PGD-training group being more efficient. CONCLUSIONS: Basic VR laparoscopic training based on PGD benchmarks with external assessment is superior to SC training, resulting in higher trainee motivation and better performance in simulated laparoscopic cholecystectomies. We recommend such a basic course based on PGD benchmarks before advancing to more elaborate VR training.

Characterization and Application of Educational Virtual Environments for Science Teaching in Secondary School

This work describes the characteristics of a representative set of seven different virtual laboratories (VLs) aimed for science teaching in secondary school. For this purpose, a 27-item evaluation model that facilitates the characterization of the VLs was prepared. The model takes into account the gaming features, the overall usability, and also the potential to induce scientific literacy. Five of the seven VLs were then tested with two larger and highly heterogenic groups of students, and in two different contexts – biotechnology and physics, respectively. It is described how the VLs were received by the students, taking into account both their motivation and their self-reported learning outcome. In some cases, students’ approach to work with the VLs was recorded digitally, and analyzed qualitatively. In general, the students enjoyed the VL activities, and claimed that they learned from them. Yet, more investigation is required to address the effectiveness of these tools for significant learning.