Home Banking

The object of this dissertation is focused on the study of the home banking service and how the allocation of losses due to computer fraud is processed in the scope of this service. When considering the questions raised by the allocation of losses associated with fraudulent operations, it is important to consider, mainly, the behaviour of the user of the home banking service. In our opinion, courts have been too demanding towards the user when judging his action in the use of this service. In this study, we have concluded that, when the user “falls” into a computer fraud scheme, he should not be liable for gross negligent behaviour, even if, due to the fraud, the user revealed all his access codes to a hacker on a page similar to that of his bank. In general, such facts will not be sufficient to qualify the user’s action as grossly negligent. Therefore, the user, under the terms of the Payment Services’ System, must bear the loss up to a maximum of €150, and the bank will face the remainder of the losses. However, if the user, victim of a fraudulent technique, ignored the safety warnings issued by the bank, one must consider, given the specific case, that he contributed to gross negligence in unauthorised payment transactions. Thus, the user must bear all the losses up to the moment when he notifies the bank about the unauthorised transactions. It is the bank’s responsibility to, given the specific case, adduce evidence of the client’s contribution to the identified losses.

Value creation in the nursing home real estate investment market - A case study

The underlying thesis examines the value drivers of direct investments in nursing home real estate in Germany. A survey among investors and operators is conducted in order to identify significant value drivers. Moreover, based on survey results, a framework for assessing German nursing home real estate is developed. This is applied in a case-study about the set-up of a nursing home value-add fund which will demonstrate the value creation process of redeveloping an existing nursing home real estate portfolio. Through a concluding analysis the sources of value creation, sensitivities and future prospects of direct investing into German nursing home real estate are concluded.

Bidirectional battery charger with grid-to-vehicle, vehicle-to-grid and vehicle-to-home technologies

This paper presents the development of na on-board bidirectional battery charger for Electric Vehicles (EVs) targeting Grid-to-Vehicle (G2V), Vehicle-to-Grid (V2G), and Vehicle-to-Home (V2H) technologies. During the G2V operation mode the batteries are charged from the power grid with sinusoidal current and unitary power factor. During the V2G operation mode the energy stored in the batteries can be delivered back to the power grid contributing to the power system stability. In the V2H operation mode the energy stored in the batteries can be used to supply home loads during power outages, or to supply loads in places without connection to the power grid. Along the paper the hardware topology of the bidirectional battery charger is presented and the control algorithms are explained. Some considerations about the sizing of the AC side passive filter are taken into account in order to improve the performance in the three operation modes. The adopted topology and control algorithms are accessed through computer simulations and validated by experimental results achieved with a developed laboratory prototype operating in the different scenarios.

Development and psychometric properties of ECPICID-AVC to measure informal caregivers’ skills when caring for older stroke survivors at home

Introduction: Informal caregivers provide a significant part of the total care needed by dependent older people poststroke. Although informal care is often the preferred option of those who provide and those who receive informal care, informal caregivers often report lack of preparation to take care of older dependent people. This article outlines the development and psychometric testing of informal caregivers’ skills when providing care to older people after a stroke – ECPICID-AVC. Design: Prospective psychometric instrument validation study. Methods: Eleven experts participated in a focus group in order to delineate, develop and validate the instrument. Data were gathered among adult informal caregivers (n = 186) living in the community in Northern Portugal from August 2013 to January 2014. Results: The 32-item scale describes several aspects of informal caregiver’s skills. The scale has eight factors: skill to feed/hydrate by nasogastric feeding, skill to assist the person in personal hygiene, skill to assist the person for transferring, skill to assist the person for positioning, skill to provide technical aids, skill to assist the person to use the toilet, skill to feed/hydrate and skill to provide technical aids for dressing/undressing. Analysis demonstrated adequate internal consistency (Cronbach’s alpha = 0.83) and good temporal stability 0.988 (0.984–0.991). Conclusion: The psychometric properties of the measurement tool showed acceptable results allowing its implementation in clinical practice by the nursing community staff for evaluating practical skills in informal caregivers when providing care to older stroke survivors living at home.

Relevance to Home Blood Pressure Monitoring Protocol of Blood Pressure Measurements Taken Before First- Morning Micturition and in the Afternoon

Background: The importance of measuring blood pressure before morning micturition and in the afternoon, while working, is yet to be established in relation to the accuracy of home blood pressure monitoring (HBPM). Objective: To compare two HBPM protocols, considering 24-hour ambulatory blood pressure monitoring (wakefulness ABPM) as gold-standard and measurements taken before morning micturition (BM) and in the afternoon (AM), for the best diagnosis of systemic arterial hypertension (SAH), and their association with prognostic markers. Methods: After undergoing 24-hour wakefulness ABPM, 158 participants (84 women) were randomized for 3- or 5-day HBPM. Two variations of the 3-day protocol were considered: with measurements taken before morning micturition and in the afternoon (BM+AM); and with post-morning-micturition and evening measurements (PM+EM). All patients underwent echocardiography (for left ventricular hypertrophy - LVH) and urinary albumin measurement (for microalbuminuria - MAU). Result: Kappa statistic for the diagnosis of SAH between wakefulness-ABPM and standard 3-day HBPM, 3-day HBPM (BM+AM) and (PM+EM), and 5-day HBPM were 0.660, 0.638, 0.348 and 0.387, respectively. The values of sensitivity of (BM+AM) versus (PM+EM) were 82.6% × 71%, respectively, and of specificity, 84.8% × 74%, respectively. The positive and negative predictive values were 69.1% × 40% and 92.2% × 91.2%, respectively. The comparisons of intraclass correlations for the diagnosis of LVH and MAU between (BM+AM) and (PM+EM) were 0.782 × 0.474 and 0.511 × 0.276, respectively. Conclusions: The 3 day-HBPM protocol including measurements taken before morning micturition and during work in the afternoon showed the best agreement with SAH diagnosis and the best association with prognostic markers.

A visit to Karewa Island, home of the tuatara / Karl P. Schmidt.

v.34:no.12(1953)

La Perspectiva biofísica de la relació home-natura: economia ecològica

L'estudi de la relació entre l'activitat econòmica i el medi que ens envolta és antiga en economia. No obstant és cert que darrerament la teoria econòmica sembla haver-la oblidada. És per això que quan sortí la disciplina que avui s’anomena "economia ecològica" va implicar una ruptura amb la manera amb la qual la teoria econòmica convencional descrivia nostra relació amb el medi ambient. El present capítol pretén descriure breument el que creiem són les característiques principals que la fan diferent de la resta de disciplines: la inconmensurabilitat de valors, la seva anàlisi en termes biofísics, i les seves repercussions al nivell de la generació de polítiques, que la fan ser un exemple del que es coneix com a ciència post-normal.

Plataforma Computing@home

En este proyecto se han visto dos sistemas de computación distribuida diferentes entre ellos: Condor y BOINC. Se exploran las posibilidades para poder conseguir que ambos sistemas logren trabajar conjuntamente, escogiendo la parte más efectiva de cada uno de los sistemas con el fin de complementarse.

Plasma cell precursors: long-distance travelers looking for a home.

Little is known about the migration of plasma cell precursors to the lymph node medulla. In this issue of Immunity, Fooksman et al. (2010) propose that this migration is largely independent of chemotactic cues but follows a long linear walk of random orientation.

Women at home, at school and in the factory. The particular discourse of domesticity done by the Spanish Escuela Economista (1861-1909)

The texts by the Spanish Economist School (second half of the 19th century) contain an assessment of the role of women in the economy and society that is transgressor in front of the prevailing discourse that defended a unique and exclusive role for all women: being at home and a mother. Most members of that economic trend defended female work in the factories, basing themselves on wage arguments and even asked for a professional training for those who in many cases could not even write and read for the fact of being a woman. The texts of those economists give new ideas about the economic and social role of women in a Spain dominated by a discourse that denied the necessity of female work for the working families.

Home i natura a la Vall de Riells

Considerant l’absència d’estudis ambientals previs a la Vall de Riells (Bigues i Riells, Vallès Oriental), i l’evident necessitat de gestió de l’espai a causa de la sobrefreqüentació antròpica, s’ha realitzat aquesta diagnosi ambiental. En ella es descriuen de manera integrada els principals elements del medi físic, biòtic i socioeconòmic, per tal de proporcionar les eines necessàries per avaluar les problemàtiques de l’espai i fomentar la seva gestió i conservació.

L'home que venia de Natzaret. El que avui podem saber de Jesus

Quina mena d'home era Jesús? Menut o espigat? Tenia el parlar sec, el gest franc? Era calb, duia barba?... Esperava que el reialme arribaria de seguida? Va patir, algun dia, el sentiment de fracàs? Imaginà que arribaria l'Església?L'autor manlleva els elements cabdals de les investigacions històriques més recents sobre Jesús i en fa un retrat molt particular: no és un retrat inèdit, sinó un retrat en què el rostre de Jesús es destria de moltes imatges amb què sovint se l'ha confós. Escoltant les seves paràboles, assistint als seus miracles, seguint-lo en el seu camí de la creu, el lector és conduït a descobrir que en ell Déu s'ha fet proper als homes i els ha donat un centre nou a la seva història.

L'Home d'Orce: una controvèrsia pública

L’any 1983, el fragment de crani VM-0, trobat a Venta Micena (Orce, Granada), va ser atribuït al gènere Homo per Josep Gibert, Salvador Moyà-Solà i Jordi Agustí. Un any més tard, el mateix fragment va ser atribuït a Equus per altres investigadors mitjançant el diari El País. No és fins a tres anys més tard que es publica el primer article científic seguint aquesta atribució. Només Josep Gibert continua defensant el caràcter humà de VM-0, que mai serà totalment acceptat per la comunitat científica. Els mitjans de comunicació, concretament els diaris, esdevenen l’espai de debat científic. Aquest debat, i el gran rebombori que causen els diaris, tenen influència en el desenvolupament "normal" de la ciència.