947 resultados para Motor third-party liability insurance


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Part of the results discussed in this thesis was presented in the following meetings: Cunha MI, Cunha C, Vaz AR, Brites D. Studying microglial-motoneuron cross-talk in ALS pathology. 6th iMed.UL Postgraduate Students Meeting, Lisbon, July 2, 2014. [Abstract and Poster] Vaz AR. Motoneuron degeneration and glial reactivity in ALS: insights from cellular to animal models. Neuroscience Seminars at IMM 2012, Instituto de Medicina Molecular, Universidade de Lisboa, Lisbon, Portugal, June 9, 2014. [Oral Communication (by invitation)]

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Research on Parkinson’s disease (PD) has mainly focused on the degeneration of the dopaminergic neurons of nigro-striatal (NS) pathway; also, post-mortem studies have demonstrated that the noradrenergic and the serotonergic transmitter systems are also affected (Jellinger, 1999). Degeneration of these neuronal cell bodies is generally thought to start prior to the loss of dopaminergic neurons in the NS pathway and precedes the appearance of the motor symptoms that are the “hallmark” of PD. Gastrointestinal (GI) motility is often disturbed in PD, manifesting chiefly as impaired gastric emptying and constipation. These GI dysfunction symptoms may be the result of a loss in noradrenergic and serotonergic innervation. GI deficits were evaluated using an organ bath technique. Groups treated with different combinations of neurotoxins (6-OHDA alone, 6-OHDA + pCA or 6-OHDA + DSP-4) presented significant differences in gut contractility compared to control groups. Since a substantial body of literature suggests the presence of an inflammatory process in parkinsonian state (Whitton, 2007), changes in pro-inflammatory cytokines in the gut were assessed using a cytokine microarray. It has been found in this work that groups with a combined dopaminergic and noradrenergic lesion have a significant increase in both expressions of IL-13 and VEGF. IL-6 also shows a decrease in treatment groups; however this decrease did not reach statistical significance. The therapeutic value of Exendin-4 (EX-4) was evaluated. It has been previously demonstrated that EX-4, a glucagon-like peptide-1 receptor (GLP-1R) agonist, is neuroprotective in rodent models of PD (Harkavyi et al., 2008). In this thesis it has been found that EX-4 was able to reverse a decrease in gut contractility obtained through intracerebral bilateral 6-OHDA injection. Although more studies are required, EX-4 could be used as a possible therapy for the GI symptoms prominent in the early stages of PD.

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It is important to have better evaluation and understanding of the motor neuron physiology, with the goal to early and objectively diagnose and treat patients with neurodegenerative pathologies. The Compound Muscle Action Potential (CMAP) scan is a non-invasive diagnosis technique for neurodegenerative pathologies, such as ALS, and enables a quick analysis of the muscle action potentials in response to motor nerve stimulation. This work aims to study the influence of different pulse modulated waveforms in peripheral nerve excitability by CMAP scan technique on healthy subjects. A total of 13 healthy subjects were submitted to the same test. The stimuli were applied in the medium nerve on the right wrist and electromyography signal collected on the Abductor Pollicis Brevis (APB) muscle surface on the right thumb. Stimulation was performed with an increasing intensities range from 4 to 30 mA, with varying steps, 3 stimuli per step. The procedure was repeated 4 times per subject, each repetition using a different single pulse stimulation waveform: monophasic square, monophasic triangular, monophasic quadratic and biphasic square. Results were retrieved from the averaging of the stimuli on each current intensity step. The square pulse needs less current intensity to generate the same response amplitude regarding the other waves and presents a more steep curve slope and this effect is gradually decreasing for the triangular and quadratic pulse,respectively, being the difference even more evident regarding the biphasic pulse. The control of the waveform stimulation pulse allows varying the stimulusresponse curve slope.

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Nesta dissertação é realizado o estudo de um motor em disco polifásico com armadura convencional e rotor que pode ser convencional, em alumínio, ou composto por material supercondutor de alta temperatura multi‐semente. O motor com o rotor em alumínio apresenta um comportamento assíncrono bem definido, baseado na lei geral de indução de eletromotrizes no induzido. Contudo, ao ser mergulhado em azoto líquido, evidencia melhores características eléctricas, tanto do induzido como do indutor, mesmo que o núcleo ferromagnético convencional possa exibir degradação magnética. O motor com o rotor SAT exibe um comportamento distinto, evidenciando ambos os regimes síncrono e assíncrono estáveis. O regime síncrono fica caracterizado pelo fenómeno de aprisionamento de campo, que garante que o rotor gire síncrono com o campo girante do estator. Em regime assíncrono, para um determinado valor de binário resistente aplicado superior ao electromagnético máximo desenvolvido pelo motor, o fenómeno de escoamento de campo está presente, sendo o binário electromagnético motor reforçado por um binário extra de perdas de carácter resistivo desenvolvidas no rotor devido à interacção da densidade de corrente a campos eléctricos que se estabelecem no rotor. Neste caso, o fenómeno de escoamento de campo não é devido a forças de Lorentz que se definem na matriz de Abrikosov, mas sim devido a esta ser “puxada” pelo campo girante do estator, ficando a matriz a deslizar sobre o rotor. De modo a obter as características dos sistemas electromecânicos em estudo é realizada uma análise teórica, baseada na teoria convencional das máquinas eléctricas, com o objectivo de compreender alguns dos fenómenos do motor de fluxo axial, e uma análise baseada num programa comercial de elementos finitos onde o fenómeno da supercondutividade é simulado com base na relação entre o campo elétrico e a densidade de corrente pela lei da potenciação (E‐J power law). O ensaio dos motores referidos é realizado para comparar ambos os sistemas e de realçar o princípio de funcionamento e as características mais relevantes de cada um. Da análise realizada é desenvolvido um modelo que caracteriza o funcionamento da máquina com o rotor com SAT.

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In this paper we analyze the role of deposit insurance in providing the market with liquidity in times of financial turmoil. To do so, we look at the variation in insured and uninsured deposits between 2005Q3 and 2011Q3, controlling for liquidity, solvency and capital adequacy indicators, and find evidence that deposit insurance does provide some confidence in keeping funds in banks in times of turmoil. Additionally we follow an event study methodology to assess the impact of deposit insurance oriented policies on bank holding companies stock market returns, and find a TBTF effect.

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The European Court of Justice has held that as from 21 December 2012 insurers may no longer charge men and women differently on the basis of scientific evidence that is statistically linked to their sex, effectively prohibiting the use of sex as a factor in the calculation of premiums and benefits for the purposes of insurance and related financial services throughout the European Union. This ruling marks a sharp turn away from the traditional view that insurers should be allowed to apply just about any risk assessment criterion, so long as it is sustained by the findings of actuarial science. The naïveté behind the assumption that insurers’ recourse to statistical data and probabilistic analysis, given their scientific nature, would suffice to keep them out of harm’s way was exposed. In this article I look at the flaws of this assumption and question whether this judicial decision, whilst constituting a most welcome landmark in the pursuit of equality between men and women, has nonetheless gone too far by saying too little on the million dollar question of what separates admissible criteria of differentiation from inadmissible forms of discrimination.

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Proceedings of the 16th Annual Conference organized by the Insurance Law Association of Serbia and German Foundation for International Legal Co-Operation (IRZ), entitled "Insurance law, governance and transparency: basics of the legal certainty" Palic Serbia, 17-19 April 2015.

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This thesis provides a complete analysis of the Standard Capital Requirements given by Solvency II for a real insurance portfolio. We analyze the investment portfolio of BPI Vida e Pensões, an insurance company affiliated with a Portuguese bank BPI, both at security, sub-portfolio and asset class levels. By using the Standard Formula from EIOPA, Total SCR amounts to 239M€. This value is mostly explained by Market and Default Risk whereas the former is driven by Spread and Concentration Risks. Following the methodology of Leblanc (2011), we examine the Marginal Contribution of an asset to the SCR which allows for the evaluation of the risks of each security given its characteristics and interactions in the portfolio. The top contributors to the SCR are Corporate Bonds and Term Deposits. By exploring further the composition of the portfolio, our results show that slight changes in allocation of Term and Cash Deposits have severe impacts on the total Concentration and Default Risks, respectively. Also, diversification effects are very relevant by representing savings of 122M€. Finally, Solvency II represents an opportunity for the portfolio optimization. By constructing efficient frontiers, we find that as the target expected return increases, a shift from Term Deposits/ Commercial Papers to Eurozone/Peripheral and finally Equities occurs.

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Despite the fact that public medical care has being heavily subsidized through a statutory national health system there has been a growing number of people who opt to enroll in extra private coverage. Using a two part model to infer the insurance decision and subsequent amount of insurance chosen we found out that people’s decision over private health coverage is not related with their health. The pattern of consumption of medical care that is not available in the public sector and a good socio economic background were found significant modeling the demand for private health insurance.

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Um dos maiores desafios da neurofisiologia é o de compreender a forma como a informação é transmitida através do sistema nervoso. O estudo do sistema nervoso tem várias aplicações, tanto na neurologia, permitindo avanços ao nível clínico, como noutras áreas, e.g., nos sistemas de processamento de informação baseados em redes neuronais. A transmissão de informação entre neurónios é feita por via de sinais elétricos. A compreensão deste fenómeno é ainda incompleta e há projectos a nível europeu e mundial com o objetivo de modular o sistema nervoso no seu todo de forma a melhor o compreender. Uma das teses que se desenvolve hoje em dia é a de que a transmissão de sinais elétricos no sistema nervoso é influenciada por fenómenos de sincronia. O objetivo desta dissertação é o de otimizar um protocolo de aquisição e análise de dados reais de eletroencefalograma e eletromiograma com o propósito de observar fenómenos de sincronia, baseando-se num algoritmo (análise por referência de fase, ou RPA, do inglês reference phase analysis) que deteta sincronias de fase entre os sinais de eletroencefalograma (EEG) e um sinal de referência, que é, no caso presente, o eletromiograma (EMG). A otimização deste protocolo e sua validação indicaram a existência de fenómenos significativos de sincronia no sinal elétrico, transmitido entre os músculos da mão e o córtex motor, no decorrer da ação motora.

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Companies are concerned in attracting and retaining Millennial consumers, especially if their relation with this target audience is weak. This happens in the insurance industry in Portugal and in Fidelidade group specifically. The aim of this study is to recommend a strategy for the insurance group to improve its relationship with these consumers, by conveying its human centric values. In order to address this goal, we developed a qualitative research. The main insight is that Millennials may perceive those values in the industry but do not associate them with insurance brands.

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Fundação para a Ciência e a Tecnologia (FCT), Fundação Millennium bcp

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This paper presents the design and the prototype implementation of a three-phase power inverter developed to drive a motor-in-wheel. The control system is implemented in a FPGA (Field Programmable Gate Array) device. The paper describes the Field Oriented Control (FOC) algorithm and the Space Vector Modulation (SVM) technique that were implemented. The control platform uses a Spartan-3E FPGA board, programmed with Verilog language. Simulation and experimental results are presented to validate the developed system operation under different load conditions. Finally are presented conclusions based on the experimental results.

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Electric Vehicles (EVs) are increasingly used nowadays, and different powertrain solutions can be adopted. This paper describes the control system of an axial flux Permanent Magnet Synchronous Motor (PMSM) for EVs powertrain. It is described the implemented Field Oriented Control (FOC) algorithm and the Space Vector Modulation (SVM) technique. Also, the mathematical model of the PMSM is presented. Both, simulation and experimental, results with different types of mechanical load are presented. The experimental results were obtained using a laboratory test bench. The obtained results are discussed.