Gonalgies: que faire en médecine de premier recours [Knee pain in ambulatory practice].

Knee pain is a frequent complaint in ambulatory practice. Because of its complexity, the knee is prone to trauma, arthritis and the impact of aging. Septic arthritis is an emergency and has to be suspected when important knee pain is associated with fever, an alteration of the general condition, or in a particular social context. In most cases the clinical examination can identify the type of pathology. Conservative treatment is beneficial in most cases and physiotherapy a major component of the prognosis.

Small Cell Carcinoma of the Urinary Bladder: A Retrospective, Multicenter Rare Cancer Network Study of 107 Patients.

PURPOSE: Small cell carcinomas of the bladder (SCCB) account for fewer than 1% of all urinary bladder tumors. There is no consensus regarding the optimal treatment for SCCB. METHODS AND MATERIALS: Fifteen academic Rare Cancer Network medical centers contributed SCCB cases. The eligibility criteria were as follows: pure or mixed SCC; local, locoregional, and metastatic stages; and age ≥18 years. The overall survival (OS) and disease-free survival (DFS) were calculated from the date of diagnosis according to the Kaplan-Meier method. The log-rank and Wilcoxon tests were used to analyze survival as functions of clinical and therapeutic factors. RESULTS: The study included 107 patients (mean [±standard deviation, SD] age, 69.6 [±10.6] years; mean follow-up time, 4.4 years) with primary bladder SCC, with 66% of these patients having pure SCC. Seventy-two percent and 12% of the patients presented with T2-4N0M0 and T2-4N1-3M0 stages, respectively, and 16% presented with synchronous metastases. The most frequent curative treatments were radical surgery and chemotherapy, sequential chemotherapy and radiation therapy, and radical surgery alone. The median (interquartile range, IQR) OS and DFS times were 12.9 months (IQR, 7-32 months) and 9 months (IQR, 5-23 months), respectively. The metastatic, T2-4N0M0, and T2-4N1-3M0 groups differed significantly (P=.001) in terms of median OS and DFS. In a multivariate analysis, impaired creatinine clearance (OS and DFS), clinical stage (OS and DFS), a Karnofsky performance status <80 (OS), and pure SCC histology (OS) were independent and significant adverse prognostic factors. In the patients with nonmetastatic disease, the type of treatment (ie radical surgery with or without adjuvant chemotherapy vs conservative treatment) did not significantly influence OS or DFS (P=.7). CONCLUSIONS: The prognosis for SCCB remains poor. The finding that radical cystectomy did not influence DFS or OS in the patients with nonmetastatic disease suggests that conservative treatment is appropriate in this situation.

Central odontogenic fibroma: retrospective study of 8 clinical cases

Introduction and Objectives: The central odontogenic fibroma (COF) is a benign odontogenic tumour derived from the dental mesenchymal tissues. It is a rare tumour and only 70 cases of it have been published. Bearing in mind the rareness of the tumour, 8 new cases of central odontogenic fibroma have been found by analyzing the clinical, radiological and histopathological characteristics of COF. Patients and Method: A retrospective study was carried out on 3011 biopsies in the Service of Oral and Maxillofacial Surgery of the Dental Clinic of Barcelona University between January 1995 and March 2008. 85 odontogenic tumours were diagnosed of which 8 were central odontogenic fibroma. The radiological study was based on orthopantomographs, periapical and occlusal radiographies and computerised tomographics. The variables collected were: sex, age, clinical characteristics of the lesion, treatment received and possible reappearances of the tumour. Results: The central odontogenic fibroma represents 9.4% of all odontogenic tumours. Of the 8 cases, 5 were diagnosed in men and 3 in women. The average age was 19.9 years with an age range of 11 to 38 years. The most common location of the tumour was in the mandible. All cases were associated with unerupted teeth. Of the 8 tumours, 3 provoked rhizolysis of the adjacent teeth and 4 cases caused cortical bone expansion. 50% of the patients complained of pain associated to the lesion. No case of recurrence was recorded up to 2 years after the treatment. Conclusions: Central odontogenic fibromas usually evolve asymptomatically although they can manifest very aggressively provoking dental displacement and rhizolysis. Radiologically, COF manifest as a uni or multilocular radiotransparent image although they can be indistinguishable from other radiotransparent lesions making diagnosis more difficult. COF treatment involves conservative surgery as well as follow-up patient checks.

Outcome of patients admitted with acute coronary syndrome on palliative treatment: insights from the nationwide AMIS Plus Registry 1997-2014.

OBJECTIVE: Compliance with guidelines is increasingly used to benchmark the quality of hospital care, however, very little is known on patients admitted with acute coronary syndromes (ACS) and treated palliatively. This study aimed to evaluate the baseline characteristics and outcomes of these patients. DESIGN: Prospective cohort study. SETTING: Eighty-two Swiss hospitals enrolled patients from 1997 to 2014. PARTICIPANTS: All patients with ACS enrolled in the AMIS Plus registry (n=45,091) were analysed according to three treatment groups: palliative treatment, defined as use of aspirin and analgesics only and no reperfusion; conservative treatment, defined as any treatment including antithrombotics or anticoagulants, heparins, P2Y12 inhibitors, GPIIb/IIIa but no pharmacological or mechanical reperfusion; and reperfusion treatment (thrombolysis and/or percutaneous coronary intervention during initial hospitalisation). The primary outcome measure was in-hospital mortality and the secondary measure was 1-year mortality. RESULTS: Of the patients, 1485 (3.3%) were palliatively treated, 11,119 (24.7%) were conservatively treated and 32,487 (72.0%) underwent reperfusion therapy. In 1997, 6% of all patients were treated palliatively and this continuously decreased to 2% in 2013. Baseline characteristics of palliative patients differed in comparison with conservatively treated and reperfusion patients in age, gender and comorbidities (all p<0.001). These patients had more in-hospital complications such as postadmission onset of cardiogenic shock (15.6% vs 5.2%; p<0.001), stroke (1.8% vs 0.8%; p=0.001) and a higher in-hospital mortality (25.8% vs 5.6%; p<0.001).The subgroup of patients followed 1 year after discharge (n=8316) had a higher rate of reinfarction (9.2% vs 3.4%; p=0.003) and mortality (14.0% vs 3.5%; p<0.001). CONCLUSIONS: Patients with ACS treated palliatively were older, sicker, with more heart failure at admission and very high in-hospital mortality. While refraining from more active therapy may often constitute the most humane and appropriate approach, we think it is important to also evaluate these patients and include them in registries and outcome evaluations. CLINICAL TRIAL NUMBER: ClinicalTrials.gov Identifier: NCT01 305 785.

Entre culture du consensus et critique sociale : les intellectuels de gauche dans la Suisse de l'après-guerre (1945-1968)

Cette thèse étudie l'engagement des intellectuels de gauche dans la vie politique suisse, de 1945 à 1968. D'une part, il s'agit de retracer l'évolution du statut des intellectuels, que ce soit dans ou hors des partis. D'autre part, il est question d'analyser les débats politiques au sein desquels ces intellectuels furent impliqués, et la manière dont ces débats suscitèrent des clivages entre eux. De ce point de vue, nous mettons en lumière les différents courants et groupes formés par les intellectuels progressistes, souvent structurés autour de revues ; il s'agit aussi bien d'étudier l'engagement de personnalités sociales-démocrates que des communistes prosoviétiques, sans oublier les chrétiens pacifistes ou les intellectuels proches de la gauche radicale antistalinienne. S'agissant de l'évolution du statut des acteurs étudiés, ce travail souligne le déclin de la figure de l'intellectuel de gauche organiquement lié à son parti, souvent issu du milieu ouvrier, au profit d'intellectuels critiques, généralement au bénéfice d'une formation académique et revendiquant une certaine autonomie par rapport aux organisations politiques. Du point de vue des débats politiques, l'engagement des intellectuels de gauche est envisagé à la lumière de trois périodes. Tout d'abord, nous étudions la phase de l'immédiat après-guerre (1945-1949), marquée par une poussée de la gauche, y compris prosoviétique, qui met en cause le conservatisme politique issu des années de Mobilisation. Nous étudions ensuite les années les plus tendues de la guerre froide, entre 1950 et 1962, durant lesquelles la vie politique et intellectuelle en Suisse est dominée par un fort anticommunisme, auquel se rallient les dirigeants du Parti socialiste. Pourtant, l'engagement de certains intellectuels progressistes, en particulier dans le mouvement pacifiste, met en cause le consensus politique de guerre froide. Enfin, dans une troisième partie, nous montrons comment la critique intellectuelle de gauche se renforce après 1962, à la faveur de la détente Est-Ouest sur le plan international, et avec l'essor, en Suisse même, du mouvement des « non- conformistes ». Ce mouvement est animé par des intellectuels qui dénoncent le conservatisme helvétique, les excès de l'anticommunisme ou qui affirment leur solidarité avec les travailleurs immigrés en Suisse, aussi bien qu'avec les mouvements sociaux dans les pays du tiers-monde. Nous montrons en particulier comment l'engagement de ces intellectuels progressistes contribue à préparer le terrain pour les mobilisations de la jeunesse qui surviendront dans les « années 1968 ». -- This thesis adresses the political commitment of left-wing intellectuals in Switzerland between 1945 and 1968. It aims, on the one hand, to examine how the status of intellectuals developed within and outside of political parties. On the other hand, it endeavours to understand the political debates that involved and sometimes split these intellectuals. In this intent, we examine the various political orientations and formations that brought left-wing intellectuals together - often around dedicated periodicals - such as the Social-democratic, the Communist, the Christian Progressist or the anti-Stalinist Marxist movements. Regarding the evolving status of left-wing opinion leaders, we observe the decline of the organic, party-affiliated intellectuals - often from a working class background. By contrast, critical academics - left-wing oriented but.not directly linked to a political formation - became prevailing figures. Concerning left-wing intellectuals' involvement in the political debate, we differentiate three historical periods. Firstly, the immediate postwar years (1945-1949) were characterised by the strengthening of a left-wing faction, including pro-Soviet forces, which criticized the conservative political consensus built up during the War. Secondly, during the most tense years of the Cold War (1950-1962), the Swiss political and intellectual life became widely dominated by a strong anticommunism, supported by the Social-Democratic leaders. Still, the commitment of certain progressist intellectuals, particularly in the pacifist movement, called into question the political consensus resulting from the Cold War. This questioning strengthened after 1962, in the context of the Détente, corresponding to the rise of the "non-conformist" movement. This movement stemmed from progressist intellectuals, who criticized the Swiss conservatism, and the excesses of official anticommunism, while declaring their solidarity with immigrant workers or with the social movements in the Third World. We show in particular how these intellectuals paved the way for the youth mobilization due to occur in the "1968 years".

Genetic variation in the European hake, Merluccius merluccius. Description of protein loci and genetic divergence between Atlantic and Mediterranean populations = Anàlisi de la variabilitat genètica en el lluç europeu, Merluccius merluccius. Descripció dels loci electroforètics i divergència genètica entre les poblacions atlàntica i mediterrània

We examined the genetic population structure of the european hake (Merluccius merluccius) using electrophoretically detectable population markers in 35 protein loci. Samples were collected from 7 locations in the Atlantic Ocean and Mediterranean Sea. Six loci were polymorphic using the 0.05 criterion of polymorphism. Sample heterozigosities ranged from 0.052 to 0.072 and averaged 0.0625. In this study, significant allele frequency differences were detected between Atlantic and Mediterranean populations in three polymorphic loci: GAPDH-1*, GPI-2* and SOD-1*. Two major genetic groups were considered: a North-Atlantic stock and the Mediterranean stock. The Nei genetic distance, D, (based on 33 loci) between samples from these two groups ranged from 0.002 to 0.006. Genetic differenciation between these areas appears to reflect the barrier effect of Strait of Gibraltar. On average over loci, 96.92 % of the total gene diversity was contained within samples, 0.23 % expressed differences among locations within areas, and 2.64 % differences between regions. A review of morphological variation together with the genetic data presented here suggest that the populations of hake from these areas are subdivided into two different stocks: the North-Atlantic stock and the Mediterranean stock. The most conservative approach to the management of these stocks is to consider the Atlantic and Mediterranean stocks independently from oneanother

Mieux comprendre le syndrome douloureux fémoro-patellaire... pour mieux le traiter [Patellofemoral pain syndrome: understand better in order to treat better].

Le syndrome douloureux fémoro-patellaire (SDFP) est l'une des causes les plus fréquentes de douleur antérieure du genou chez l'adolescent et l'adulte. De par son étiologie complexe, multifactorielle et encore mal comprise, sa prise en charge est un important challenge pour le praticien. Le diagnostic se fait principalement sur l'anamnèse et l'examen clinique du genou mais aussi de l'ensemble du membre inférieur, pouvant parfois nécessiter la réalisation d'une imagerie. Le traitement est dans la grande majorité des cas conservateur, principalement axé sur la rééducation avec de la physiothérapie ciblée et personnalisée. Le traitement chirurgical est réservé aux cas présentant une anomalie structurelle causale. Patellofemoral pain syndrome (PFPS) is one of the most frequent cause of anterior knee pain in adolescents and adults. Due to its complex etiology, which is multifactorial and still poorly understood, its management is a major challenge for the practitioner. The diagnosis is made primarily on the history and clinical examination of the knee, but also of the entire lower limb, which may sometimes require the completion of imaging. The treatment is mostly conservative, focussing on rehabilitation with targeted and personalized therapy. Surgical treatment is reserved for cases with a causal structural lesion.

Vestibular Schwannoma: The Evolution of Hearing and Tumor Size in Natural Course and after Treatment by LINAC Stereotactic Radiosurgery.

OBJECTIVE: To review the natural course of tumor size and hearing during conservative management of 151 patients with unilateral vestibular schwannoma (VS), and to evaluate the same parameters for the part of the group (n = 84) who were treated by LINAC stereotactic radiosurgery (SRS). METHODS: In prospectively collected data, patients underwent MRI and complete audiovestibular tests at inclusion, during the conservative management period and after SRS. Hearing was graded according to the Gardner-Robertson (GR) scale and tumor size according to Koos. Statistics were performed using Kaplan-Meier survival analysis and multivariate analyses including linear and logistic regression. Specific insight was given to patients with serviceable hearing. RESULTS: During the conservative management period (mean follow-up time: 24 months, range: 6-96), the annual risk of GR class degradation was 6% for GRI and 15% for GR II patients. Hearing loss as an initial symptom was highly predictive of further hearing loss (p = 0.003). Tumor growth reached 25%. For SRS patients, functional hearing preservation was 51% at 1 year and 36% at 3 years. Tumor control was 94 and 91%, respectively. CONCLUSION: In VS patients, hearing loss at the time of diagnosis is a predictor of poorer hearing outcome. LINAC SRS is efficient for tumor control. Patients who preserved their pretreatment hearing presented less hearing loss per year after SRS than before treatment, suggesting a protective effect of SRS when cochlear function can be preserved.

Continuing Medical Education Self-Assessment Questions Vol. 50, No. 1 - January 2014. Actual evidence in the medical approach to adolescents with idiopathic scoliosis

Idiopathic scoliosis (IS) is a three-dimensional deformity of the spine and trunk. The most common form involve ado- lescents (AIS). The prevalence for AIS is 2-3% of the population, with 1 out of 6 patients requiring treatment of which 25% progress to surgery. Physical and rehabilitation medicine (PRM) plays a primary role in the so-called conservative treatment of adolescents with AIS, since all the therapeutic tools used (exercises and braces) fall into the PRM domain. According to a Cochrane systematic review there is evidence in favor of bracing, even if it is of low quality. Another shows that there is evidence in favor of exercises as an adjunctive treatment, but of low quality. Three meta-analysis have been published on bracing: one shows that bracing does not reduce surgery rates, but studies with bracing plus exercises were not included and had the highest effectiveness; another shows that full time is better than part-time bracing; the last focuses on observational studies following the SRS criteria and shows that not all full time rigid bracing are the same: some have the highest effectiveness, others have less than elastic and nighttime bracing. Two very important RCTs failed in recruitment, showing that in the field of bracing for scoliosis RCTs are not accepted by the patients. Consensuses by the international Society on Scoliosis Orthopedic and Rehabilitation Treatment (SOSORT) show that there is no agree- ment among experts either on the best braces or on their biomechanical action, and that compliance is a matter of clinical more than patients' behavior (there is strong agreement on the management criteria to achieve best results with bracing). A systematic review of all the existing studies shows effectiveness of exercises, and that auto-correction is the main goal of exercises. A systematic review shows that there are no studies on manual treatment. Research on conservative treat- ment of AIS has continuously decreased since the 1980s, but this trend changed only recently. The SOSORT Guidelines offers the actual standard of conservative care.

El vigatanisme crític de Maria Àngels Anglada

Maria Àngels Anglada tenia una clara consciència del lloc, que va deixar una empremta profunda en la seva obra literària. L’article analitza les visions que l’autora dóna de Vic, la ciutat natal, a través de la poesia, la narrativa i la prosa assagística. En particular, l’anàlisi se centra en el relat de fons autobiogràfic No em dic Laura. Aquest text vehicula una dura crítica política, social i moral del Vic sotmès a la dictadura franquista. I, alhora, constitueix la millor mostra del vigatanisme crític que caracteritza l’autora.

Educación en Valores y Diferencia Sexual: Realidad y políticas educativas en el contexto español

Este artículo analiza para el contexto español las políticas promovidas en los últimos años por el gobierno conservador del partido popular y los cambios que conllevaron la entrada en vigor, en el 2002, de la Ley de Calidad de la Enseñanza. Los mismos no parecen garantizar la igualdad de oportunidades para las mujeres, pues nos encontramos ante una Ley cuya finalidad es buscar respuestas a los cambios tecnológicos y los criterios de mercado, llegando a afirmarse que las reformas educativas son necesarias para la “revisión, ajuste y mejora”, siendo la “calidad” el mecanismo para “el logro de cotas más elevadas de progreso social y económico”. A pesar de que la exposición de motivos de la Ley alude al bienestar individual y social –sin explicitar abiertamente el significado que les otorga-, los planteamientos neoliberales de las economías capitalistas se insertan en el discurso y se habla, como se ha indicado, de la necesidad de ajustes que en estas perspectivas no garantizan el avance en la lucha contra la exclusión y la discriminación, dificultando el encuentro de las diferencias, de lo femenino y de lo masculino. El nuevo gobierno socialista, surgido de las elecciones celebradas en el pasado mes de marzo de 2004, forzosamente debe plantear una transición educativa que necesita de medidas urgentes, atrevidas y transformadoras.

The natural history of type II odontoid fractures in the elderly population. A retrospective study over a 14 years period.

Odontoid fractures are the most common cervical fractures in the adult population. They represent 9 to 18 % of all cervical fractures and the type II is the most common. The incidence of neurologic deficits (ND) in odontoid fractures varies between 3 to 25%. A recent study showed that patients with ND had a mortality rate increased by 4.72 times and a complication rate higher of 1.18 times. The most common complication in patients with ND was respiratory distress8. Surprisingly, although type II odontoid fractures are frequent cervical fractures, their natural history has been poorly described. Surgery for odontoid fractures is well described. However, there are so far guidelines based on class II and class III evidence only regarding indications for surgery and regarding surgical techniques. The class II guidelines recommend to consider surgical stabilization and fusion for type II odontoid in patients over 50 years of age. The class III recommendations are to first manage non-displaced odontoid type II fracture with external immobilization and that translation of 5mm or more is associated with a high rate of non- union with the conservative treatment and should be treated surgically.

Surgical treatment of hamstring injuries and disorders – the clinical spectrum from chronic tendinopathy to complete rupture

Hamstring muscle injuries and tendon disorders are common, especially in sports. They can be severe and difficult to treat, often resulting in impaired athletic performance and long rehabilitation times. Previous studies considering treatment of these problems are scarce. The current study was designed to investigate the effect of surgery on different types of hamstring muscle injuries and on proximal hamstring tendinopathy. In addition, we wanted to study the typical histopathological findings relating to proximal hamstring tendinopathy. In the study of complete (all three muscles torn) proximal hamstring avulsions (41 patients), our results showed that early operative treatment gives significantly better results than late surgery, and is therefore recommended. Despite this, considerable improvement of symptoms could also be achieved in chronic cases. In the study of partial (one or two muscles torn) proximal hamstring tears (47 patients), we observed that these injuries can cause significant functional deficit and impaired performance in athletes. The main finding was that after surgical repair most of the patients were able to return to their pre-injury level of sports. In the study of distal hamstring tears (18 patients), the results showed that surgical treatment had a good effect in the majority of these cases. In proximal hamstring tendinopathy, the main problem is pain which limits sports. In this study (90 patients), we found that after unsuccessful conservative treatment, surgery was a good treatment option resulting in full return to sports in most cases. In tendinopathic hamstring tendons, the morphological changes of tendinosis were largely identical to those previously described in other common (e.g. Achilles and patellar) tendinopathies. In chronic proximal hamstring avulsions, and also in reoperations, a large defect between distally retracted tendons and the ischial tuberosity may occasionally prevent anatomic reinsertion. We have described a reconstruction method using fascia lata autograft augmentation to be used in these most challenging repairs. This technique was utilized in the treatment of five patients, with encouraging results.

Development a distributed simulation environment on a cluster of workstations

Simulation has traditionally been used for analyzing the behavior of complex real world problems. Even though only some features of the problems are considered, simulation time tends to become quite high even for common simulation problems. Parallel and distributed simulation is a viable technique for accelerating the simulations. The success of parallel simulation depends heavily on the combination of the simulation application, algorithm and message population in the simulation is sufficient, no additional delay is caused by this environment. In this thesis a conservative, parallel simulation algorithm is applied to the simulation of a cellular network application in a distributed workstation environment. This thesis presents a distributed simulation environment, Diworse, which is based on the use of networked workstations. The distributed environment is considered especially hard for conservative simulation algorithms due to the high cost of communication. In this thesis, however, the distributed environment is shown to be a viable alternative if the amount of communication is kept reasonable. Novel ideas of multiple message simulation and channel reduction enable efficient use of this environment for the simulation of a cellular network application. The distribution of the simulation is based on a modification of the well known Chandy-Misra deadlock avoidance algorithm with null messages. The basic Chandy Misra algorithm is modified by using the null message cancellation and multiple message simulation techniques. The modifications reduce the amount of null messages and the time required for their execution, thus reducing the simulation time required. The null message cancellation technique reduces the processing time of null messages as the arriving null message cancels other non processed null messages. The multiple message simulation forms groups of messages as it simulates several messages before it releases the new created messages. If the message population in the simulation is suffiecient, no additional delay is caused by this operation A new technique for considering the simulation application is also presented. The performance is improved by establishing a neighborhood for the simulation elements. The neighborhood concept is based on a channel reduction technique, where the properties of the application exclusively determine which connections are necessary when a certain accuracy for simulation results is required. Distributed simulation is also analyzed in order to find out the effect of the different elements in the implemented simulation environment. This analysis is performed by using critical path analysis. Critical path analysis allows determination of a lower bound for the simulation time. In this thesis critical times are computed for sequential and parallel traces. The analysis based on sequential traces reveals the parallel properties of the application whereas the analysis based on parallel traces reveals the properties of the environment and the distribution.

Perustutkimus palveluinnovaatioprosessissa rahoitusalalla

Palveluinnovaatioprosessi voidaan jakaa 5 eri vaiheeseen: strategiasidonnaisuus, perustutkimus, suorituskyvyn analysointi, systeemimuutokset sekä kaupallistaminen. Tästä palveluinnovaatioprosessista voidaan johtaa perustutkimusprosessi rahoitusalalle: strategiasidonnaisuus, ideoiden luonti ja karsinta, suorituskyvyn analysointi, differointimahdollisuuksien kartoittaminen ja palveluinnovaation myynti yritysjohdolle sekä osakkaille. Strategiasidonnaisuudella varmistetaan, että yritys pysyy omalla osaamisalueellansa hyödyntämällä omia ydinkompetenssejaan. Perustutkimus osana palveluinnovaatioprosessia selvittää oleellisimmat tiedot markkinatilanteesta sekä toimii ohjaavana että karsivana tekijänä uuden tuotteen jatkotoimenpiteille. Yrityksen kyvykkyyksien mittaaminen perustutkimusta varten on oleellinen vaihe uuden palvelun vaatimien liiketoiminnallisten muutosten määrittämiseksi. Tuotedifferoinnilla voidaan luoda kilpailullista etua tuotteiden puolesta homogeenisilla markkinoilla, joissa kilpailu tapahtuu pääosin hinnoittelussa. Rahoitusalalla tuotedifferointi voi muodostua haastavaksi kuluttajien suhtautuessa konservatiivisesti uusiin tuotteisiin. Makroekonomisten tekijöiden perusteella voidaan päätellä, että suomalaiset kuluttajat ottavat lainaa tulevaisuudessakin. Asuntolaina on ollut lainamarkkinoilla luottokannan kasvun veturina ja tästä syystä uudet asuntolainan kaltaiset tuotteet voisivat olla menestyksekkäitä. Kilpailu asuntolainamarkkinoilla kulminoituu kolmen hallitsevan kilpailijan ympärille: Osuuspankki, Sampo Pankki ja Nordea. Asuntolainan kaltainen käänteinen asuntolaina voisi olla menestys markkinoilla, jos sitä pystyttäisiin differoimaan kylliksi. Markkinapotentiaali pelkälle käänteiselle asuntolainalle on tällä hetkellä liian alhainen. GE Money Finland ei myöskään pysty tarjoamaan tuotetta yhtä kilpailulliseen hintaan kuin kilpailijansa. GE Money Finlandin tulisi edellä mainituista syistä johtuen pyrkiä differoimaan käänteisen asuntolainan kaltaista tuotettaan Heloc, jotta se menestyisi markkinoilla.