Perigo moral no setor de saúde: uma análise empírica

Esta tese investiga a existência de correlação entre as diferentes coberturas médicas de um Plano de Saúde e o grau de utilização dos seus Segurados. A estratégia usada foi a de verificar se um grupo de indivíduos, previamente selecionados, modifica a sua demanda por cuidados médicos após uma alteração contratual do Plano de Saúde (choque exógeno). Os dados foram extraídos da base de dados do Plano da Eletros-Saúde, no período de jan/1999 à dez/2003. Após a comparação entre a média das despesas médicas desses indivíduos, antes e depois de sofrerem o choque contratual, observou-se que existe uma alteração significativa de comportamento. Quanto maior a cobertura médica propiciada pelo Plano de Saúde, maior a demanda por cuidados médicos por parte desses indivíduos.

Arbitrage Pricing Theory (APT) e variáveis macroeconômicas: um estudo empírico sobre o mercado acionário brasileiro

Este trabalho utiliza retornos mensais de 10 portfólios de ações negociadas na Bovespa entre 1987 e 1997, a fim de testar a validade empírica do modelo APT. Foram criadas variáveis macroeconômicas como fatores de variância comum aos diversos portfólios. Além destes fatores serem estatisticamente significantes para explicar a relação entre os retornos dos diversos portfólios de uma maneira geral, foram encontradas evidências no sentido de validar o APT.

Risco versus retorno a partir de dados contábeis de empresas brasileiras: uma contribuição empírica

Na pesquisa, que é a parte nuclear desta tese, investiga-se a relação entre risco e retorno contábeis em 10 setores econômicos brasileiros. No período 1978-87, com amostra de 344 empresas, detectou-se associação risco/retorno negativa em oito setores e positiva ou neutra em apenas dois. No todo da amostra, sem divisões setoriais, também se encontrou relação negativa entre risco e retorno. Dividindo as firmas entre mais e menos rentáveis, achou-se uma associação risco/retorno essencialmente negativa na metade das empresas menos lucrativas e ausência de associação entre as duas variáveis na metade das firmas mais lucrativas, tanto dentro dos setores como para toda a amostra.

A Volta aos quartéis: a memória militar sobre a abertura

A memória militar sobre o período de ditadura experimentado pelo Brasil e as condições que propiciaram a abertura política e a restauração de um regime de representação parlamentar pelo voto universal.

Price discovery in dual-class shares across multiple markets

We extend the standard price discovery analysis to estimate the information share of dual-class shares across domestic and foreign markets. By examining both common and preferred shares, we aim to extract information not only about the fundamental value of the rm, but also about the dual-class premium. In particular, our interest lies on the price discovery mechanism regulating the prices of common and preferred shares in the BM&FBovespa as well as the prices of their ADR counterparts in the NYSE and in the Arca platform. However, in the presence of contemporaneous correlation between the innovations, the standard information share measure depends heavily on the ordering we attribute to prices in the system. To remain agnostic about which are the leading share class and market, one could for instance compute some weighted average information share across all possible orderings. This is extremely inconvenient given that we are dealing with 2 share prices in Brazil, 4 share prices in the US, plus the exchange rate (and hence over 5,000 permutations!). We thus develop a novel methodology to carry out price discovery analyses that does not impose any ex-ante assumption about which share class or trading platform conveys more information about shocks in the fundamental price. As such, our procedure yields a single measure of information share, which is invariant to the ordering of the variables in the system. Simulations of a simple market microstructure model show that our information share estimator works pretty well in practice. We then employ transactions data to study price discovery in two dual-class Brazilian stocks and their ADRs. We uncover two interesting ndings. First, the foreign market is at least as informative as the home market. Second, shocks in the dual-class premium entail a permanent e ect in normal times, but transitory in periods of nancial distress. We argue that the latter is consistent with the expropriation of preferred shareholders as a class.

Tutorial Moodle: Calendário

Este tutorial é para a versão Moodle 1.9.17.

A inteligência emocional na prática educativa do Pré-Escolar: um estudo etnográfico

O objectivo desta investigação foi compreender em que medida a inteligência emocional dos educadores de infância tem impacto na relação pedagógica que os mesmos estabelecem com os seus grupos de crianças e o modo como as habilidades inerentes à inteligência emocional promovem um clima emocional positivo na sala de actividades do pré-escolar capaz de promover mudanças e crescimento emocionais nas crianças. Através de quatro meses de observação participante na sala de uma educadora, considerada excepcional, tentou-se compreender a dinâmica das interacções que essa educadora estabelece com o seu grupo de crianças e a importância da inteligência emocional nessas interacções. O trabalho de pesquisa foi desenvolvido no sentido de encontrar resposta às três questões de partida: 1) De que forma a inteligência emocional contribui para gerar interacções positivas entre a Educadora e as crianças da sua sala? 2) Em que medida a gestão positiva das emoções na prática educativa promove a auto-confiança e bem-estar das crianças? 3) De que modo a gestão positiva das emoções promove o desenvolvimento das competências sociais e relacionais das crianças? Foi utilizada uma metodologia qualitativa de cariz etnográfico. Durante a estada no terreno predominou a recolha de dados através de observação participante, posteriormente registados num diário de bordo em formato electrónico, além de diversas filmagens realizadas pela investigadora. A análise dos dados revelou uma grande influência da inteligência emocional desta educadora na promoção de um clima emocional positivo na sua sala de actividades, bem como, no desenvolvimento positivo das habilidades emocionais e competências relacionais das crianças.

Relationship between antioxidant capacity and total phenolic content of red, rosé and white wines

Phenolic compounds are one of the most important quality parameters of wines, since they contribute to wine organoleptic characteristics such as colour, astringency, and bitterness. Furthermore, several studies have pointed out that many show biological properties of interest, related to their antioxidant capacity. This antioxidant activity has been thoroughly studied and a wide variety of methods have been developed to evaluate it. In this study, the antioxidant activity of commercial Terras Madeirenses Portuguese wines (Madeira Island) was measured by three different analytical methods: [1,1-diphenyl-2-picrylhydrazyl (DPPH) radical scavenging assay, 2,2′-azino-bis-(3-ethylbenzothiazoline-6-sulfonic acid (ABTSradical dot+)) radical cation decolourisation, and ferric reducing/antioxidant power (FRAP) for the evaluation of reducing power (PR) and correlate them with the total phenolic content determined with the Folin–Ciocalteu’s reagent using gallic acid as a standard. The total polyphenol concentration was found to vary from 252 to 1936 mg/l gallic acid equivalents (GAE). The antiradical activity varied from 0.042 to 0.715 mM Trolox equivalents and the antioxidant capacity varied from 344 to 1105 mg/l gallic acid equivalents (GAE). For the reduction power we obtained 3.45–3.86 mM quercetin equivalents.

Cooperativa habitacional autofinanciável :uma alternativa de mercado à escassez de financiamento

As an example of what happened in Brazil in the 90s, it s noticed in Natal a new system of cooperative housing production which is done by advancing the users resources selffinancing. This system comes as an alternative for the real state market performance since the end of the National Housing Bank (BNH), in 1986. Self-financed housing cooperatives play an important social role by contributing to own housing acquisition by low-income population, without, however, becoming a mechanism of social interest housing production. It is important to consider that Brazil registers a housing deficit of 6.6 million housing units (IBGE 2000/Census), which, compared to 1991, shows an increment of 21.7% to a growth rate of 2.2% a year. This deficit figure has been deepening, mainly with the end of the National Housing Bank (BNH). The self-financed cooperative housing production broadens around the Metropolitan Region of Natal (RMN) and remains as an alternative to the lack of financing in the housing / real state market. In general, the aim of this work is to analyze the role of self-financing housing cooperatives on the housing production in the RMN, in order to identify their role in the real state market, in the own housing promotion and in the housing policy. The Universe of this study is performance of four housing cooperatives - CHAF-RN, COOPHAB-RN, MULTHCOOP e CNH - that work through self-financing. It is considered here an amount of 38 undertakings launched between 1993 and 2002, including 8143 housing units. The methodology adopted consists of bibliographic, documental and field research. As a result, actions like brokerage, marketing, speculation, and the criteria to define places for undertakings and final products, show how close they are to the housing market production. As a matter of fact, this short distance explains why the self-financed cooperative production for social interest housing is still limited. This reinforces the theory that it is necessary to define and implement a subsidized housing policy to serve the low-income Brazilian population

Functional XPB/RAD25 redundancy in Arabidopsis genome: characterization of AtXPB2 and expression analysis

The xeroderma pigmentosum complementation group B (XPB) protein is involved in both DNA repair and transcription in human cells. It is a component of the transcription factor IIH (TFIIH) and is responsible for DNA helicase activity during nucleotide (nt) excision repair (NER). Its high evolutionary conservation has allowed identification of homologous proteins in different organisms, including plants. In contrast to other organisms, Arabidopsis thaliana harbors a duplication of the XPB orthologue (AtXPB1 and AtXPB2), and the proteins encoded by the duplicated genes are very similar (95% amino acid identity). Complementation assays in yeast rad25 mutant strains suggest the involvement of AtXPB2 in DNA repair, as already shown for AtXPB1, indicating that these proteins may be functionally redundant in the removal of DNA lesions in A. thaliana. Although both genes are expressed in a constitutive manner during the plant life cycle, Northern blot analyses suggest that light modulates the expression level of both XPB copies, and transcript levels increase during early stages of development. Considering the high similarity between AtXPB1 and AtXPB2 and that both of predicted proteins may act in DNA repair, it is possible that this duplication may confer more flexibility and resistance to DNA damaging agents in thale cress. (C) 2004 Elsevier B.V. All rights reserved.

Valores de referência para cobre e zinco no plasma e no eritrócito em adultos universitários na cidade de Natal-RN

This study aimed builds reference values for copper and zinc, of healthy adults in Natal-RN, and to identify the influence of the gender, age, body mass index (BMI) and diet, on those values. They were assessed 123 healthy students of the Universidade Federal do Rio Grande do Norte (UFRN), both genders, with age between 19 and 41 years. The project was approved by the Ethics Committee in Research of UFRN. BMI was determined and the food consume was accomplished through a 24h recordatory. Dietary was evaluated as the energy, macronutrients, copper and zinc, according to the recommendations of National Academy of Sciences (2001; 2002). Analyses of the copper and zinc concentrations in the plasma and erythrocytes were accomplished by flame atomic absorption spectrometry. The casuistic came quite homogeneous as for the distribution for gender and age, being the largest number of individuals between the 19 and 24 years old. Most of the volunteers presented anthropometric nutritional state inside of the normality patterns. Chronic diseases family antecedents and sedentarysm were observed. Diet was characterized with low consumption of zinc, appropriate of copper and of lipids. Average concentrations of plasma copper (p=0,002), erythrocyte copper (μg/dL, p=0,036; μg/gHb, p=0,038), and plasma zinc (p=0,022) were different among the genders, what was demonstrated by the largest values of copper in the female gender and larger of zinc in the masculine. Plasma copper values still suffered interference of the variables: energy, carbohydrate and copper consumption, all classified in agreement with the median, besides the protein classified according to the percentage contribution for the dietary total energy. The study allowed to establish reference values for erythrocyte zinc (1.261,6-1.344,0 μg/dL e 51,0-54,3 μg/gHb) and to suggest "indicative" of reference values for plasma (108,4 130,2 μg/dL) and erythrocyte (female = 85,0 91,4 μg/dL; masculine = 80,2 86,5 μg/dL) copper and plasma zinc (female = 98,8 105,8 μg/dL; masculine = 104,6 111,6 μg/dL)