Reaseguro Finite Risk en ambiente financiero estocástico

Una de las características del reaseguro finite risk es la existencia de una cuenta de experiencia, que está formada por las primas que cobra el reasegurador, junto con su rendimiento financiero,y su finalidad es financiar los siniestros que éste ha de satisfacer a la cedente en el plazo establecido. El objetivo de este trabajo es diseñar un modelo que permita determinar el saldo estimado o reserva que debe de tener en cada periodo anual la cuenta de experiencia para garantizar su solvencia dinámica, teniendo en cuenta la experiencia de siniestralidad de la cartera del reasegurador y de cada cedente. Para el cálculo de la prima de reaseguro y del saldo de la cuenta de experiencia se asumirá ambiente financiero estocástico, de modo que la prima de reaseguro dependerá también de otros parámetros como la volatilidad del tipo de interés o de la aversión al riesgo.

Fármacos no meio ambiente

Pharmaceutical drugs have been detected in sewage treatment plants, surface waters, underground waters and potable waters. Some investigations have been conducted in several countries such as Germany, Brazil, Canada, United States, The Netherlands, England and Italy. Patients and animals excrete part of pharmaceuticals used for human and veterinary medicine after administration in domestic sewage or on the soil. Drugs residues which have not been completely removed during passage through a sewage treatment plant (STP) enter the aquatic environment. The effects of such residual drugs in terrestrial and aquatic organisms are scarcely known.

O comportamento do metilmercúrio (metilHg) no ambiente

Methylmercury is the most hazardous mercury species known. Due to its high stability, lipid solubility, and ionic properties, this compound shows a high ability to cross membranes in living organisms, damaging the central nervous system, mainly the brain, and the effects of chronic poisoning are progressive. In this paper some aspects related to the toxicity and the cases of methylmercury poisoning are described. Other aspects related to the behavior of methylmercury and the environmental factors that influence the transformation of mercury in the water and sediment, with emphasis on the methylation/demethylation reactions and the mercury cycle are discussed.

A questão da inovação em fármacos no Brasil: proposta de criação do programa nacional de fármacos (Pronfar)

Medicines are essential instruments to the preservation, maintenance and promotion of Health. The access to the medicine represents an important factor of social inclusion, depending on the availability of the pharmaceutical - active principle contained in the medicine that in 85% of the cases has a synthetic origin. In this scenario the importance of knowing how to make pharmaceuticals and medicines plays a significant role for the viability of the autonomous Health politics necessary for the demands of the major Nations. In this context, this work describes concisely the main aspects involved in the interdisciplinary drug discovery process, identifying the possible gorges for the successful development of innovative drugs in Brazil.

Aspectos e fatores da produtividade em pesquisa, desenvolvimento e inovação

Comparison of national budgets for R&D is often made but it should consider the relative productivity and their factors. In Brazil, inefficiency factors as well as their causes have been diagnosed since the late 60's and solutions have been proposed within various governmental organisms, from CNPq to the strategy think tanks. Problems that hinder R&D and innovation in Brazil are reviewed from a historical perspective together with the proposed solutions providing a detailed analysis of the difficulties that have to be overcome to achieve a more effective innovation environment, adequate for the present times, challenges and opportunities.

Inovação tecnológica e produção no setor químico

Innovation is the main tool for competitiveness and growth in the chemical sector and the main factors for innovation activities in industry as well as the innovation dynamics are discussed in this paper. Success indicators of innovation in Oxiteno are the following: 54% of the current production derives from RD&E projects, 11% of the gross margin in the internal market is due to new products, the company is a technology licensor, holding 17 patents and keeping a strong participation in the production and service sales in the high technology catalysts area, beyond its core petrochemicals and surfactants area.

O Quadrante de Ruetsap e a anti-ciência, tecnologia e inovação

The concept of research and the controversy among classical models for C, T & I, outdated by the development of knowledge and Post-modern society needs were revisited through the (3) Quadrants advanced by Donald Stokes in the mid-nineties. The scientific community to fit into these Quadrants was faced with many difficulties and reacted by issuing pseudo-facts, accepted by under-prepared technocrats as viable justifications for conducting research in face of these new paradigms. In a poor country full of contrast and needs such as Brazil, this attitude satisfies the bureaucracy and academic elite, but frustrates government and society, that do not get, in the expected measure, the benefits of their commitment with the Teaching, Research and Extension Sectors mainly embedded in the Public University system. An extension, in fact a contradictory approach, to Pasteur's Quadrant, is proposed to characterize this situation: The Syndrome of Ruetsap's Quadrant.

A importância do observatório de atividades industriais vis-à-vis tendências em ciência, tecnologia e inovação

Given that innovation is fundamental for competitiveness, and that it is intrinsically linked to knowledge, it has become essential to foster effective interaction between the Brazilian productive sector and universities and R&D centers. This interface should be created by means of the model used in developed countries: Observatory of Industrial Activities and Trends in Science, Technology and Innovation. The present work describes its main functions, using examples of activities undertaken by the Chemical Industry Information System of the Federal University of Rio de Janeiro related to production systems of primary and high-tech industries, examining the diffusion of knowledge to decision-makers.

Desreguladores endócrinos no meio ambiente: efeitos e conseqüências

There is an increasing interest in micropollutants in the environment that can interfere with the endocrine system, affecting health, growth and reproduction of animals and humans. These substances are known as Endocrine Disrupting Chemicals (EDCs) and can be found in domestic sewage, domestic wastewater treatment plant effluents, and in natural and potable waters. There are numerous chemicals classified as EDCs, such as pesticides, chemicals used and produced by chemical industries and natural and synthetic estrogens. EDCs can be related to the increase of the incidence of anomalies in the reproductive system of animals, cancer in humans and reduction of the masculine fertility.

Interferentes endócrinos no ambiente

Although the hypothesis that environmental chemicals may exhibit endocrine disrupting effects is not new, the issue has been a growing level of concern due to reports of increased incidences of endocrine-related disease in humans, including declining male fertility, and more significantly, to adverse physiological effects observed in wildlife where cause and effect relationships are more evident. The list of endocrine disrupting chemicals (EDCs) includes a range of anthropogenic compounds, phytoestrogens, naturally occurring sex steroids and synthetic estrogens. Within the aquatic environment, the presence of EDCs has concerned many scientists and water quality regulators. Discharge of effluents from treatment facilities is likely to be a significant source of input of contaminants to many systems, and the potential for concentration of hydrophilic compounds and transformation products within sludges has implications for their disposal. Then, understanding the processes and the fate of EDCs on the environment, as well as the mechanisms of endocrine disruption, may facilitate controlling or limiting exposure of both humans and the environment to these compounds.

Visões de meio ambiente e suas implicações pedagógicas no ensino de química na escola média

This study was realized with high school Chemistry teachers from the region of and around Florianópolis (SC). It examines the pedagogical implications of these teachers' views on environmental issues, and discusses the possibilities and difficulties of bringing these issues into the Chemistry classroom. The semi-structured interviews were analyzed using Textual Discourse Analysis principles. The dominance of content-based teaching and traditional pedagogical approaches appears to hinder curricular changes. Most subjects pay little heed to environmental issues and their relation to Chemistry, and endorse a view of science as neutral, and the environment as anthropocentric - views far from Green Chemistry principles.

Visões de ciências de professores de química: a mídia e as reflexões no ambiente escolar no nível médio de ensino

The present paper discusses the influence of TV and general media on students scientific ideas and the teacher's perception of this influence on students during class time. 17 high-school chemistry teachers with teaching degree, working in state schools, were interviewed. The interviews showed that both, teachers and students, have a positive opinion of science and the scientist. According to their teachers, students' positive view of science is greatly influenced by TV. The developed study shows how important epistemology is in teachers' college formation to offer them a critical perception of science treated in general media.