Microinsurance in Brazil: current situation and outlook

O trabalho aqui apresentado teve como objetivo investigar as oportunidades do microseguro no Brasil levando em conta o atual contexto de microfinanças no país e as potencias sinergias quem poderiam facilitar a implementação e o desenvolvimento do conceito. Cumpre lembrar que o microseguro não pode ser um substituto do microcrédito, mas; é um necessario complemento para continuar no caminho da inclusão social e financeira. A primeira parte desse trabalho aborda o tema de microfinanças no mundo e depois no Brasil, para poder entender o papel do microseguro como uma das ferramentas de microfinanças. A segunda parte é dedicada ao microseguro, com uma apresentação do conceito geral e de algumas iniciativas no mundo antes de se focar sobre o microseguro no Brasil. Apresentamos o quadro legal e os incentivos, juntos com o mercado potencial e os canais de distribuição no Brasil. A última parte apresenta o estudo de caso do Banco Bradesco e do órgão regulatório Susep, realizado através de entrevistas.

Distressed situation and renegotiation plan: a case study

Este trabalho apresenta um caso real de uma empresa em situação de estresse financeiro: a PlywoodCo. O objetivo deste trabalho é de entender porque a PlywoodCo. chegou na atual situação de estresse e, baseado nisso, propor um plano de renegociação de passivos compatível com esta situação com o objetivo de tornar a PlywoodCo. em uma empresa viável. Uma introdução é feita, a fim de colocar o leitor em contato com a PlywoodCo., apresentado as suas atividades, principais produtos, posição de mercado, bem como brevemente introduzindo sua atual situação. Após a introdução, a revisão bibliográfica é apresentada, descrevendo a teoria relacionada e utilizada neste trabalho. Mais adiante, a metodologia é apresentada, seguida por mais informações a respeito das operações da PlywoodCo., informações financeiras, relacionamento com stakeholders, índices operacionais, demonstrações financeiras, cronograma de pagamento da dívida e depreciação. Depois, as premissas, analises e projeções não apresentadas, consistindo de duas partes: (1) uma seção de diagnóstico endereçando a atual situação da empresa; e (2) uma seção de projeção, que será dividida em duas partes: (a) projeções financeiras da PlywoodCo. na atual situação; e (b) projeções financeiras da PlywoodCo. no novo plano proposto. Finalmente, se conclui que a empresa precisará de esforços além da renegociação de passivos a fim de superar sua situação de estresse financeiro. Após a renegociação da dívida, a empresa precisará de R$ 23 MM até o fim de 2013.

A situation awareness interface for a bi-wheeled industrial hovercraft: design, development and evaluation

The intention of this thesis is to develop a prototype interface that enables an operator to control a bi-wheeled industrial hovercraft that will work within a fusion power plant if the automation system fails. This fusion power plant is part of the ITER project a conjoint effort of various industrialized countries to develop cleaner sources of energy. The development of the interface prototype will be based on situation awareness concepts, which provide a means to understand how human operators perceive the world around, then process that information and make decisions based on the knowledge that they already have and the projected knowledge of the reactions that will occur in the world in response to the actions the operator makes. Two major situation awareness methods will be used, GDTA as a means to discover the requirements the interface needs to solve, and SAGAT to conduct the evaluation on the three interfaces. This technique can isolate the differences an operator has in situation awareness when presented with relevant information given by each of the three interfaces that were built for this thesis. Where the first interface presents the information within the operator’s focal point of view in a pictorial style, the second interface shows the same information within the same point of view has the first interface but only shows it in a textual manner. While the third interface shows the relevant information in the operator’s peripheral field of view. Also SAGAT can provide insight on the question to know if providing the operator with feed-forward information about the stoppage distances of the bi-wheeled industrial hovercraft has any effect on the operator’s decision making.

Agentes Inteligentes com Foco de Atenção Afetivo em Simulações Baseadas em Agentes

Simulations based on cognitively rich agents can become a very intensive computing task, especially when the simulated environment represents a complex system. This situation becomes worse when time constraints are present. This kind of simulations would benefit from a mechanism that improves the way agents perceive and react to changes in these types of environments. In other worlds, an approach to improve the efficiency (performance and accuracy) in the decision process of autonomous agents in a simulation would be useful. In complex environments, and full of variables, it is possible that not every information available to the agent is necessary for its decision-making process, depending indeed, on the task being performed. Then, the agent would need to filter the coming perceptions in the same as we do with our attentions focus. By using a focus of attention, only the information that really matters to the agent running context are perceived (cognitively processed), which can improve the decision making process. The architecture proposed herein presents a structure for cognitive agents divided into two parts: 1) the main part contains the reasoning / planning process, knowledge and affective state of the agent, and 2) a set of behaviors that are triggered by planning in order to achieve the agent s goals. Each of these behaviors has a runtime dynamically adjustable focus of attention, adjusted according to the variation of the agent s affective state. The focus of each behavior is divided into a qualitative focus, which is responsible for the quality of the perceived data, and a quantitative focus, which is responsible for the quantity of the perceived data. Thus, the behavior will be able to filter the information sent by the agent sensors, and build a list of perceived elements containing only the information necessary to the agent, according to the context of the behavior that is currently running. Based on the human attention focus, the agent is also dotted of a affective state. The agent s affective state is based on theories of human emotion, mood and personality. This model serves as a basis for the mechanism of continuous adjustment of the agent s attention focus, both the qualitative and the quantative focus. With this mechanism, the agent can adjust its focus of attention during the execution of the behavior, in order to become more efficient in the face of environmental changes. The proposed architecture can be used in a very flexibly way. The focus of attention can work in a fixed way (neither the qualitative focus nor the quantitaive focus one changes), as well as using different combinations for the qualitative and quantitative foci variation. The architecture was built on a platform for BDI agents, but its design allows it to be used in any other type of agents, since the implementation is made only in the perception level layer of the agent. In order to evaluate the contribution proposed in this work, an extensive series of experiments were conducted on an agent-based simulation over a fire-growing scenario. In the simulations, the agents using the architecture proposed in this work are compared with similar agents (with the same reasoning model), but able to process all the information sent by the environment. Intuitively, it is expected that the omniscient agent would be more efficient, since they can handle all the possible option before taking a decision. However, the experiments showed that attention-focus based agents can be as efficient as the omniscient ones, with the advantage of being able to solve the same problems in a significantly reduced time. Thus, the experiments indicate the efficiency of the proposed architecture

Log smoldering after an Amazonian deforestation fire

The characteristics of log smoldering after an Amazonian deforestation fire are described. The experiment was carried out in 2001 at the Caiabi farm, near the city of Alta Floresta, state of Mato Grosso, Brazil, as part of a set of tests that have been performed in the same area since 1997. A 200 x 200m(2) test area was slashed in the beginning of June and burned on 20 August. The area contained 507 logs with diameter at breast height (DBH) higher than 10 cm, per hectare. In the day following the main burn 59 logs were found to remain smoldering, a number that corresponds to 2.9% of the total in the area. We chose 11 of the 59 logs to have their smoldering process monitored. Their diameter, moisture content and CHN dry biomass composition after the plot burn and before smoldering were determined. Other parameters such as temperature distribution while smoldering, porosity, density and mass volatilized during thermogravimetric test were also determined. Average smoldering speeds were in the range from 0.8 to 1.5 cm h(-1) for logs that smoldered without transition to the flaming regime. The average speed increased to 2.1 cm h(-1) for those logs that oscillated between smoldering and flaming. The speeds were lower overnight as compared to values determined during daytime for the same log. Higher log moisture contents were found to produce decreased speeds. Micro-porous biomass was not observed in the set of the 11 selected logs. Smoldering was observed to occur at substantial intensity in crossing of logs, with no longitudinal propagation. (C) 2003 Elsevier Ltd. All rights reserved.

Biomass consumption and CO2, CO and main hydrocarbon gas emissions in an Amazonian forest clearing fire

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

Pustular dermatosis caused by fire ant (Solenopsis invicta) stings in a dog

This paper reports a case of spontaneous fire ant sting dermatitis in canine. The skin lesions consisted of nonfollicular, grouped pustules in the abdominal region. Several fire ants were found attached to the lesional skin. Histopathological findings included an intraepidermal neutrophilic pustule and predominantly neutrophilic interstitial dermatitis. An extensive area of collagen degeneration was also observed below the epidermal pustule. These clinical and histopathological findings are remarkable similar to those observed in fire ant stings in humans.

Stem protective tissue in Erythroxylum tortuosum (Erythroxylaceae), a fire tolerant species from cerrado

The origin and structure are described of the secondary protective tissue in the stem of Erythorxylum tortuosum Mart., a fire tolerant shrubby species common in Brazilian cerrado. The highly tortuous stems are covered with thick bark which is more developed at the base of the stem. After fire in the cerrado, rhytidome fragments of the burned stem flake off, revealing newly formed cork. The first periderm appears near of the terminal buds and is iniated by periclinal divisions in subepidermal cells giving rise to radial rows of cells. The first phellogen is discernible only after the differentiation of the several radial rows of cork cells. Other phellogens have their origin in successively deeper layers of the cortex. The sucessive periderms are discontinuous around the circumference. The collapsed cells with phenolic substances and the accumulated dead cells cause the formation of discontinuous blackish lines, which delimit the sucessive periderms in the rhytidome. The rhytidome contains large quantities of sclereids developed from cell wall thickening of cortex cells. The occurrence of periderm, in the young parts of the stem and of rhytidome in the older parts represents pyrophytic characteristics and may explain, in part, the fire tolerance of this species.

General morphology and ultrastructure of the venom apparatus and convoluted gland of the fire ant, Solenopsis saevissima

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

Proteomic View of the Venom from the Fire Ant Solenopsis invicta Buren

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

Alterations following a fire in a forest community of Alto Rio Xingu

This study records the consequences of fire upon the soil and structure of the Amazonian Forest of Gaucha do Norte, Mato Grosso state, Brazil (13degrees12'S and 53degrees20'W). For this, the number of individuals sampled in 1 ha of the forest, during a phytosociological survey completed 2 days before the accidental fire, was compared with the survivors recorded afterwards in the reinventory of the area taken 2 days and 10 months after the fire. For the surveys, the area of 1 ha was subdivided into 50 plots of 10 m x 20 m, and all the individuals with circumference at breast height (CBH) greater than or equal to 15 cm were sampled. Chemical analysis of the 30 soil samples collected 2 days before the fire were compared with those obtained 15 days and 1 year after the fire. It was seen that, soon after the fire, there was a significant increase in the nutrient levels in the soil, an increase in the pH and a decrease in the aluminum toxicity. However, after 1 year, losses by lixiviation resulted in a nutrient reserve in the soil of less than that before the fire. The tree mortality was extremely high (23.98%), particularly amongst the younger individuals of the population (93.68% of the total of deaths in the period). There was no significant reduction in the forest richness analyzed: 60% of the species had reduced populations after the fire, but just four species were locally extinct. Results, however, demonstrated a role for fire in the selection of resistant species or those adapted to fires, since some species demonstrated a greater tolerance to the fire than others. (C) 2003 Elsevier B.V. B.V. All rights reserved.

Short-term changes caused by fire and mowing in Brazilian Campos grasslands with different long-term fire histories

Conselho Nacional de Desenvolvimento Científico e Tecnológico (CNPq)

Spatial-temporal distribution of fire-protected savanna physiognomies in Southeastern Brazil

Coordenação de Aperfeiçoamento de Pessoal de Nível Superior (CAPES)

A simple graphical model of small mammal succession after fire in the Brazilian cerrado

We studied the succession of small mammal species after fire in the cerrado (Neotropical savanna) of Central Brazil. Populations of small mammals were sampled with live-trapping techniques in a series of nine sites of different successional age, ranging from 1 to 26 years after fire. Ten species of small mammals were captured through all the seral stages of succession. Species richness ranged from two to seven species by seral stage. The species were arranged in different groups with respect to abundance along the succession: the first was composed of early successional species that peaked <2 years after fire (Calomys callosus, C. tener, Thalpomys cerradensis, Mus musculus, Thylamys velutinus); the second occurred or peaked 2-3 years after fire (Necromys lasiurus, Gracilinanus sp., Oryzomys scoth). Gracilinanus agilis peaked in the last seral stage. Species richness of small mammals showed an abrupt decrease from an average of four species immediately after fire to two species 5-26 years after the last fire. We propose a simple graphical model to explain the pattern of species richness of small mammals after fire in the cerrado. This model assumes that the occurrence of species of small mammals is determined by habitat selection behavior by each species along a habitat gradient. The habitat gradient is defined as the ratio of cover of herbaceous to woody vegetation. The replacement of species results from a trade-off in habitat requirements for the two habitat variables.