Millennium BCP: Optimization of the branches closure process

Nowadays, a significant number of banks in Portugal are facing a bank-branch restructuring problem, and Millennium BCP is not an exception. The closure of branches is a major component of profit maximization through the reduction in operational and personnel costs but also an opportunity to approach the idea of “baking of future” and start thinking on the benefits of the digital era. This dissertation centers on a current high-impact organizational problem addressed by the company and consists in a proposal of optimization to the model that Millennium BCP uses. Even though measures of performance are usually considered the most important elements in evaluating the viability of branches, there is evidence suggesting that other general factors can be important to assess branch potential, such as the influx on branches, business dimensions of a branch and its location, which will be addressed in this project.

Improving Millennium Bank's personal finance manager

Double Degree

Vegetational changes during the last millennium inferred from a palynological record from the Bananal Island, Tocantins, Brazil

The Bananal Island is regarded the largest fluvial island in the world, bounded by Araguaia and Javaés rivers, being located in southwest of Tocantins. The objectives of this work were to provide information about the vegetational changes that occurred at the Bananal Island, in order to contribute to the understanding the dynamics of past and current savanna and areas of ecotones with forests. Thus, a sedimentary core collected from a small lake at the Bananal Island plain was submitted to pollen and radiocarbon dating analyses. The results showed that the last millennium was dominated by forest reflecting a wet climate. At the beginning of the record (920-770 yr cal BP) the wet climate and high rainfall produced flooding during long rainy seasons that maintained the Javaés River connected to the studied lake, and hence, this environment was marked by the presence of a homogenous forest rich in Moraceae/Urticaceae, due to flooded soils occurrence. During the following period (770-304 yr cal BP) the reduced rainfall and shortening of the rainy seasons isolated the lake from the Javaés River for long periods, which caused a diversification of the forest and gave rise to the appearance of the components of floodplain forest and marsh vegetation adapted to waterlogged soils. Since 304 years cal BP to the present day this environment remained dominated by this diverse forest and the lacustrine conditions were also similar to previous phase, with a slight increase of moisture in the last 84 years that caused the increase of Piranhea.

Current millennium biotechniques for biomedical research on parasites and host-parasite interactions

The development of biotechnology in the last three decades has generated the feeling that the newest scientific achievements will deliver high standard quality of life through abundance of food and means for successfully combating diseases. Where the new biotechnologies give access to genetic information, there is a common belief that physiological and pathological processes result from subtle modifications of gene expression. Trustfully, modern genetics has produced genetic maps, physical maps and complete nucleotide sequences from 141 viruses, 51 organelles, two eubacteria, one archeon and one eukaryote (Saccharomices cerevisiae). In addition, during the Centennial Commemoration of the Oswaldo Cruz Institute the nearly complete human genome map was proudly announced, whereas the latest Brazilian key stone contribution to science was the publication of the Shillela fastidiosa genomic sequence highlythed on a Nature cover issue. There exists a belief among the populace that further scientific accomplishments will rapidly lead to new drugs and methodological approaches to cure genetic diseases and other incurable ailments. Yet, much evidence has been accumulated, showing that a large information gap exists between the knowledge of genome sequence and our knowledge of genome function. Now that many genome maps are available, people wish to know what are we going to do with them. Certainly, all these scientific accomplishments will shed light on many more secrets of life. Nevertheless, parsimony in the weekly announcements of promising scientific achievements is necessary. We also need many more creative experimental biologists to discover new, as yet un-envisaged biotechnological approaches, and the basic resource needed for carrying out mile stone research necessary for leading us to that "promised land"often proclaimed by the mass media.

Carer-reported health conditions among seven-year-old children in Northern Ireland in 2011: A report based on data from the Millennium Cohort Study

The Institute of Public health in Ireland (IPH) produces population prevalence estimates and forecasts for a number of chronic conditions among adults. IPH has now applied the methodology to examine health conditions among young children across the island of Ireland.This report uses information collected from parents in the Millennium Cohort Study (MCS) along with population data collected in the 2011 Northern Ireland Census to estimate the prevalence of any longstanding condition, asthma, eczema, sight problems and hearing problems among seven-year-olds in Northern Ireland in 2011. The analysis identifies risk factors associated with each condition and provides estimates of the prevalence of these conditions for each of the 11 Local Government Districts.A report on health conditions among three-year-olds in the Republic of Ireland has previously been published by the IPH.See the Chronic Conditions Hub for more details.

Common variants in the ATP2B1 gene are associated with susceptibility to hypertension: the Japanese Millennium Genome Project.

Hypertension is one of the most common complex genetic disorders. We have described previously 38 single nucleotide polymorphisms (SNPs) with suggestive association with hypertension in Japanese individuals. In this study we extend our previous findings by analyzing a large sample of Japanese individuals (n=14 105) for the most associated SNPs. We also conducted replication analyses in Japanese of susceptibility loci for hypertension identified recently from genome-wide association studies of European ancestries. Association analysis revealed significant association of the ATP2B1 rs2070759 polymorphism with hypertension (P=5.3×10(-5); allelic odds ratio: 1.17 [95% CI: 1.09 to 1.26]). Additional SNPs in ATP2B1 were subsequently genotyped, and the most significant association was with rs11105378 (odds ratio: 1.31 [95% CI: 1.21 to 1.42]; P=4.1×10(-11)). Association of rs11105378 with hypertension was cross-validated by replication analysis with the Global Blood Pressure Genetics consortium data set (odds ratio: 1.13 [95% CI: 1.05 to 1.21]; P=5.9×10(-4)). Mean adjusted systolic blood pressure was highly significantly associated with the same SNP in a meta-analysis with individuals of European descent (P=1.4×10(-18)). ATP2B1 mRNA expression levels in umbilical artery smooth muscle cells were found to be significantly different among rs11105378 genotypes. Seven SNPs discovered in published genome-wide association studies were also genotyped in the Japanese population. In the combined analysis with replicated 3 genes, FGF5 rs1458038, CYP17A1, rs1004467, and CSK rs1378942, odds ratio of the highest risk group was 2.27 (95% CI: 1.65 to 3.12; P=4.6×10(-7)) compared with the lower risk group. In summary, this study confirmed common genetic variation in ATP2B1, as well as FGF5, CYP17A1, and CSK, to be associated with blood pressure levels and risk of hypertension.

Direct evidence for the existence of dairying farms in prehistoric Central Europe (4th millennium BC)

The molecular and isotopic chemistry of organic residues from archaeological potsherds was used to obtain further insight into the dietary trends and economies at the Constance lake-shore Neolithic settlements. The archaeological organic residues from the Early Late Neolithic (3922-3902 BC) site Hornstaad-Hornle IA/Germany are, at present, the oldest archaeological samples analysed at the Institute of Mineralogy and Geochemistry of the University of Lausanne. The approach includes 13C/12C and 15N/14N ratios of the bulk organic residues, fatty acids distribution and 13C/12C ratios of individual fatty acids. The results are compared with those obtained from the over 500 years younger Neolithic (3384-3370 BC) settlement of Arbon Bleiche 3/Switzerland and with samples of modern vegetable oils and fat of animals that have been fed exclusively on C3 forage grasses. The overall fatty acid composition (C9 to C24 range, maximizing at C14 and C16), the bulk 13C/12C and 15N/14N ratios (delta13C, delta15N) and the 13C/12C ratios of palmitic (C16:0), stearic (C18:0) and oleic acids (C18:1) of the organic residues indicate that most of the studied samples (25 from 47 samples and 5 from 41 in the delta13C18:0 vs. delta13C16:0 and delta13C18:0 vs. delta13C18:1 diagrams, respectively) from Hornstaad-Hornle IA and Arbon Bleiche 3 sherds contain fat residues of pre-industrial ruminant milk, and young suckling calf/lamb adipose. These data provide direct proof of milk and meat (mainly from young suckling calves) consumption and farming practices for a sustainable dairying in Neolithic villages in central Europe around 4000 BC.dagger

European climate variations over the past half-millennium reconstructed from groundwater

Temperature reconstructions for recent centuries are the basis of estimations of the natural variability in the climate system before and during the onset of anthropogenic perturbation. Here we present, for the first time, an independent and physically based reconstruction of mean annual temperature over the past half millennium obtained from groundwater in France. The reconstructed noble gas temperature (NGT) record suggests cooler than present climate conditions throughout the 16th-19th centuries. Periods of warming occur in the 17th-18th and 20th century, while cooling is reconstructed in the 19th century. A noticeable coincidence with other temperature records is demonstrated. Deuterium excess varies in parallel with the NGT, and indicates variation in the seasonality of the aquifer recharge; whereas high excess air in groundwater indicates periods with high oscillations of the water table.