853 resultados para Insurance, Fire


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Species from the Solenopsis saevissima (Smith) (Hymenoptera: Formicidae) species group are native to South America and have a cosmopolitan distribution because they have been accidentally introduced in many countries around the world. In Brazil, they have a wide distribution, including urban areas. The present study was conducted to investigate the characterization of Solenopsis genus populations associated with urban/human interference sites in Brazil by analyzing the mitochondrial gene cytochrome oxidase I and estimating the degree of relatedness of these populations to make inferences about their phylogeny and also observe the patterns of mitochondrial haplotype (mitotype) distribution across their range. The results revealed complete geographical coherence and polyphyly for the Solenopsis invicta Buren and Solenopsis saevissima species groups, which confirms the diversity of the genera. It also suggests the possibility that reproductively-isolated populations occur, resulting in the evolutionary process of speciation. No predominant haplotype was found in the populations analyzed, but some were more prevalent.

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Fundação de Amparo à Pesquisa do Estado de São Paulo (FAPESP)

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Conselho Nacional de Desenvolvimento Científico e Tecnológico (CNPq)

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QuestionsWe aimed to analyse the effect of fire on flowering in subtropical grasslands, by addressing the following questions: will fire history affect flowering? If yes, do fire feedbacks influence flowering or is it just the removal of above-ground biomass? Are there differences in burned and mowed plots?LocationSubtropical grasslands in Southern Brazil (30 degrees 03S, 51 degrees 07W).MethodsWe established plots in areas with different fire histories: 30d (30 plots: five replicates), 1yr (14 replicates), 3yr (30 plots: five replicates) since the last fire, in experimentally burned and mowed plots (14 replicates each). We counted the number of flowering species, as well as the number of flowering stalks.ResultsGraminoid species flowered in highest numbers 1yr after fire, whilst forbs had more species flowering just after fire, indicating different reproductive strategies in post-fire environments. Mowing was not as efficient as fire in stimulating flowering. Finally, the different functional groups showed different flowering responses to time since last fire and to the different types of management.ConclusionsOur results show fire stimulated flowering. Although mowing can be a good alternative for maintaining plant diversity, our study showed that this practice is not as efficient as fire in stimulating flowering. However, fire season should be noted as a limiting factor to the recovery of C-3 grasses in these subtropical grasslands, and annual burns may be harmful to C-4 grasses, since they delay their flowering to the next post-fire growing season.

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Conselho Nacional de Desenvolvimento Científico e Tecnológico (CNPq)

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The Rock Hill Fire Department Records consist correspondence from W.H. Wylie, for whom Lake Wylie is named, to prominent Rock Hillian Mr. W.T. Roddey and to the Rock Hill Fire Department. Also included is a program book for the 33rd Annual Convention of South Carolina State Firemen’s Association held in Rock Hill in 1928. The program book lists officers of the Association, committee appointments, fire chiefs, in SC, Rock Hill city officials with brief biographical sketches and sketches of the history of SC State Firemen’s Association, city of Rock Hill and Winthrop College.

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The purpose of this paper is to provide quantitative fire history information for a geographically unique region, the Loess Hills of northwest Missouri. We sampled 33 bur oak (Quercus macrocarpa Michx.), chinkapin oak (Q. muehlenbergii Engelm.), and black oak (Q. velutina Lam.) trees from the Brickyard Hill Conservation Area in northwest Missouri. The period of tree-ring record ranged in calendar years from 1671 to 2004 and fire-scar dates (n = 97) ranged from 1672 to 1980. Fire intervals for individual trees ranged from 1 to 87 years. The mean fire interval was 6.6 years for the pre-Euro-American settlement period (1672-1820), and 5.2 years for the entire record (1672-1980). A period of more frequent fire (mean fire interval = 1.6 for 1825 to 1850) coincided with Euro-American settlement of the area. The average percentage of trees scarred at the site was 16.8%, or about 1 in 7 trees sampled per fire. No significant relationship between fire years and drought conditions was found; however, events prior to 1820 may have been associated with wet to dry mode transitions.

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This study documents historic fire events at Capulin Volcano National Monument over the last four centuries using dendrochronologically dated fire scars at two sites: the lower volcano lava flows (the Boca) and the adjacent canyon slopes (Morrow Ranch). The mean fire interval (MFI) was 12 years at the Boca site (before 1890) and 5.4 years (1600-1750) and 19.1 years (1751-1890) at the Morrow Ranch site. Data from the Boca and Morrow Ranch sites combined with the extremely pyrogenic landscape position of the volcano slopes indicate that the volcano slopes likely burned more frequently (e.g., MFI <5 yr). Around 1750, the fire regime appeared to transition to longer fire intervals, greater temporal synchrony among fire-scarred trees, and a higher proportion of trees scarred in fire years. Temporal variability in the fire regime at Capulin Volcano may reflect changes in human populations, climate, and land use.

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Life other small business owners, family child care providers need adequate life, health, and disability insurance to protect their families from the loss of their income. However, child care providers also face unique risks. Perhaps the most important of these risks is the financial loss that would result if the provider were found liable or responsible for the injury or death of a child or a child's parent. If a claim were filed against you as a provider, three different types of financial losses are possible: medical expenses, damages awarded to the victim or his/her family after a lawsuit, and court costs related to your defense. This booklet will help you to: (1) evaluate options for insuring a family child care operation, and (2) evaluate available liability insurance policies.

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Fire scar and vegetative analysis were used to construct a fire history for the Engelmann spruce/subalpine fir (Picea engelmannii/Abies lasiocarpa) vegetation type of the Utah State University (USU) T. W Daniel Experimental Forest. Three distinct periods of fire frequency were established-presettlement (1700-1855), settlement (1856-1909), and suppression (1910-1990). Mean fire interval (MFI) decreased during the settlement period and greatly increased during the suppression era. The difference was attributed to the influx of ignition sources during the settlement of nearby Cache Valley, located 40 km to the west. Logging and livestock grazing appear to have led to the reduced MFI, which in turn worked as a factor to create the vegetative mosaic now observed on the study area. The increase in MFI during the suppression era permitted the advancement of shade-tolerant species in the understory of the shade-intolerant lodgepole pine (Pinus contorta var. latifolia) and quaking aspen (Populus tremuloides). Continued suppression of disturbance from wildfire will allow the lodgepole pine cover type, which experienced the lowest MFI during the settlement period, to be further invaded by shade-tolerant species, decreasing spatial stand diversity and increasing the risk of more intense fires.

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We have been working with exterminators on the insurance problems for thirty-five or so years. Recently PCO’s have been doing much in the way of bird control. There does not seem to be anyone that we know of who does strictly bird control insurance, so our group always ties it in with our pest control. I feel that nothing touches everyone so regularly, with the exception of the federal government, as your insurance premiums. I would like to discuss with you the causes and results of accidents and how they can effect insurance premiums.

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Two years ago, Mike Fall and I showed you some ideas we had regarding mod¬ern architecture and bird problems. This year we've switched to considering bird hazards in older frame dwellings and on buildings where a fire hazard may be ap¬parent. During a class project some time ago, I was examining a nest of house sparrows and discovered that these birds incorporated cellulose cigarette filters into their nests. Filters were stripped of their paper wrapping and were apparently used by the sparrows as a substitute for or a supplement to fluffy air-born seeds and seed mat¬erials. The incidence of the cigarette filters varied. In the nests that I sampled the numbers varied anywhere from six up to two dozen filter remnants. We feel that the incidence will probably vary with the relative availability of discarded cigarette filter butts. We are concerned with the incidence of filters as an index to the possibility that the birds are picking up live cigarette butts, and this leads us to investigate some records of fires over the past three quarters of a century that were claimed to have been caused by birds.

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In the present study, mitochondrial (mt)DNA sequence data were used to examine the genetic structure of fire-eye antbirds (genus Pyriglena) along the Atlantic Forest and the predictions derived from the river hypothesis and from a Last Glacial Maximum Pleistocene refuge paleomodel were compared to explain the patterns of genetic variation observed in these populations. A total of 266 individuals from 45 populations were sampled over a latitudinal transect and a number of phylogeographical and population genetics analytical approaches were employed to address these questions. The pattern of mtDNA variation observed in fire-eye antbirds provides little support for the view that populations were isolated by the modern course of major Atlantic Forest rivers. Instead, the data provide stronger support for the predictions of the refuge model. These results add to the mounting evidence that climatic oscillations appear to have played a substantial role in shaping the phylogeographical structure and possibly the diversification of many taxa in this region. However, the results also illustrate the potential for more complex climatic history and historical changes in the geographical distribution of Atlantic Forest than envisioned by the refuge model. (c) 2012 The Linnean Society of London, Biological Journal of the Linnean Society, 2012, 105, 900824.

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The transient and equilibrium properties of dynamics unfolding in complex systems can depend critically on specific topological features of the underlying interconnections. In this work, we investigate such a relationship with respect to the integrate-and-fire dynamics emanating from a source node and an extended network model that allows control of the small-world feature as well as the length of the long-range connections. A systematic approach to investigate the local and global correlations between structural and dynamical features of the networks was adopted that involved extensive simulations (one and a half million cases) so as to obtain two-dimensional correlation maps. Smooth, but diverse surfaces of correlation values were obtained in all cases. Regarding the global cases, it has been verified that the onset avalanche time (but not its intensity) can be accurately predicted from the structural features within specific regions of the map (i.e. networks with specific structural properties). The analysis at local level revealed that the dynamical features before the avalanches can also be accurately predicted from structural features. This is not possible for the dynamical features after the avalanches take place. This is so because the overall topology of the network predominates over the local topology around the source at the stationary state.

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In this paper, we carry out robust modeling and influence diagnostics in Birnbaum-Saunders (BS) regression models. Specifically, we present some aspects related to BS and log-BS distributions and their generalizations from the Student-t distribution, and develop BS-t regression models, including maximum likelihood estimation based on the EM algorithm and diagnostic tools. In addition, we apply the obtained results to real data from insurance, which shows the uses of the proposed model. Copyright (c) 2011 John Wiley & Sons, Ltd.