Accounting for risk: The advent of capped conveyancing title insurance

Title insurance companies originating from America, have, in the past 15 years become part of the Australian conveyancing landscape. However for most residential freehold owners, their activities would be a mystery. A purchaser does not routinely obtain title insurance, with the companies presently focussing on servicing the mortgagee sector. While the lack of penetration in the residential purchaser market may be attributed to the consumer’s lack of knowledge, evidence from Ontario and New Zealand illustrates that title insurance is likely to become an additional cost in the conveyancing process in Australia. In this article we highlight the reasons why, and demonstrate how title insurers have, by working with the legal profession been able to subtly move the risk of responsibility for compensation for loss, (at least in the first instance) from the state to the insurer, but with the added benefit for the state and the conveyancing agents that the cost of the insurance is ultimately borne by the consumer. In New Zealand this development is being accelerated by the introduction of capped conveyancing title insurance. Whether title insurance will become part of the conveyancing process is no longer the relevant question for Australia, (it undoubtedly will), but the unknown issue is just how title insurance companies will work with conveyancing agents to infiltrate the market, and what response this infiltration will have in terms of the state’s view as to their continued role in the provision of assurance. We suggest that developments from New Zealand in relation to capped conveyancing insurance are likely to be replicated in Australia in the near future, and that the state’s role in providing an assurance fund will continue, though the state may seek to expand the areas in which the right to compensation is restricted.

Epithelial sodium channel in airway epithelium of the newborn infant : Implications for postnatal pulmonary adaptation

The aim of the present thesis was to study the role of the epithelial sodium channel (ENaC) in clearance of fetal lung fluid in the newborn infant by measurement of airway epithelial expression of ENaC, of nasal transepithelial potential difference (N-PD), and of lung compliance (LC). In addition, the effect of postnatal dexamethasone on airway epithelial ENaC expression was measured in preterm infants with bronchopulmonary dysplasia (BPD). The patient population was formed of selected term newborn infants born in the Department of Obstetrics (Studies II-IV) and selected preterm newborn infants treated in the neonatal intensive care unit of the Hospital for Children and Adolescents (Studies I and IV) of the Helsinki University Central Hospital in Finland. A small population of preterm infants suffering from BPD was included in Study I. Studies I, III, and IV included airway epithelial measurement of ENaC and in Studies II and III, measurement of N-PD and LC. In Study I, ENaC expression analyses were performed in the Research Institute of the Hospital for Sick Children in Toronto, Ontario, Canada. In the following studies, analyses were performed in the Scientific Laboratory of the Hospital for Children and Adolescents. N-PD and LC measurements were performed at bedside in these hospitals. In term newborn infants, the percentage of amiloride-sensitive N-PD, a surrogate for ENaC activity, measured during the first 4 postnatal hours correlates positively with LC measured 1 to 2 days postnatally. Preterm infants with BPD had, after a therapeutic dose of dexamethasone, higher airway epithelial ENaC expression than before treatment. These patients were subsequently weaned from mechanical ventilation, probably as a result of the clearance of extra fluid from the alveolar spaces. In addition, we found that in preterm infants ENaC expression increases with gestational age (GA). In preterm infants, ENaC expression in the airway epithelium was lower than in term newborn infants. During the early postnatal period in those born both preterm and term airway epithelial βENaC expression decreased significantly. Term newborn infants delivered vaginally had a significantly smaller airway epithelial expression of αENaC after the first postnatal day than did those delivered by cesarean section. The functional studies showed no difference in N-PD between infants delivered vaginally and by cesarean section. We therefore conclude that the low airway epithelial expression of ENaC in the preterm infant and the correlation of N-PD with LC in the term infant indicate a role for ENaC in the pathogenesis of perinatal pulmonary adaptation and neonatal respiratory distress. Because dexamethasone raised ENaC expression in preterm infants with BPD, and infants were subsequently weaned from ventilator therapy, we suggest that studies on the treatment of respiratory distress in the preterm infant should include the induction of ENaC activity.

Wavelet Transform Codec for Fast Retrieval of Slices of 3D Objects

We propose a method to encode a 3D magnetic resonance image data and a decoder in such way that fast access to any 2D image is possible by decoding only the corresponding information from each subband image and thus provides minimum decoding time. This will be of immense use for medical community, because most of the PET and MRI data are volumetric data. Preprocessing is carried out at every level before wavelet transformation, to enable easier identification of coefficients from each subband image. Inclusion of special characters in the bit stream facilitates access to corresponding information from the encoded data. Results are taken by performing Daub4 along x (row), y (column) direction and Haar along z (slice) direction. Comparable results are achieved with the existing technique. In addition to that decoding time is reduced by 1.98 times. Arithmetic coding is used to encode corresponding information independently

Correlation between corona current and radio interference due to high voltage insulator string

The Radio Interference (RI) from electric power transmission line hardware, if not controlled, poses serious electromagnetic interference to system in the vicinity. The present work mainly concerns with the RI from the insulator string along with the associated line hardware. The laboratory testing for the RI levels are carried out through the measurement of the conducted radio interference levels. However such measurements do not really locate the coronating point, as well as, the mode of corona. At the same time experience shows that it is rather difficult to locate the coronating points by mere inspection. After a thorough look into the intricacies of the problem, it is ascertained that the measurement of associated ground end currents could give a better picture of the prevailing corona modes and their intensities. A study on the same is attempted in the present work. Various intricacies of the problem,features of ground end current pulses and its correlation with RI are dealt with. Owing to the complexity of such experimental investigations, the study made is not fully complete nevertheless it seems to be first of its kind.

Threats and trade-fffs in resource critical crowdsourcing tasks over networks

In recent times, crowdsourcing over social networks has emerged as an active tool for complex task execution. In this paper, we address the problem faced by a planner to incen-tivize agents in the network to execute a task and also help in recruiting other agents for this purpose. We study this mecha-nism design problem under two natural resource optimization settings: (1) cost critical tasks, where the planner’s goal is to minimize the total cost, and (2) time critical tasks, where the goal is to minimize the total time elapsed before the task is executed. We define a set of fairness properties that should beideally satisfied by a crowdsourcing mechanism. We prove that no mechanism can satisfy all these properties simultane-ously. We relax some of these properties and define their ap-proximate counterparts. Under appropriate approximate fair-ness criteria, we obtain a non-trivial family of payment mech-anisms. Moreover, we provide precise characterizations of cost critical and time critical mechanisms.

On interference alignment for symmetrically connected interference networks with line of sight channels at finite powers

In this work, interference alignment for a class of Gaussian interference networks with general message demands, having line of sight (LOS) channels, at finite powers is considered. We assume that each transmitter has one independent message to be transmitted and the propagation delays are uniformly distributed between 0 and (L - 1) (L >; 0). If receiver-j, j ∈{1,2,..., J}, requires the message of transmitter-i, i ∈ {1, 2, ..., K}, we say (i, j) belongs to a connection. A class of interference networks called the symmetrically connected interference network is defined as a network where, the number of connections required at each transmitter-i is equal to ct for all i and the number of connections required at each receiver-j is equal to cr for all j, for some fixed positive integers ct and cr. For such networks with a LOS channel between every transmitter and every receiver, we show that an expected sum-spectral efficiency (in bits/sec/Hz) of at least K/(e+c1-1)(ct+1) (ct/ct+1)ct log2 (1+min(i, j)∈c|hi, j|2 P/WN0) can be achieved as the number of transmitters and receivers tend to infinity, i.e., K, J →∞ where, C denotes the set of all connections, hij is the channel gain between transmitter-i and receiver-j, P is the average power constraint at each transmitter, W is the bandwidth and N0 W is the variance of Gaussian noise at each receiver. This means that, for an LOS symmetrically connected interference network, at any finite power, the total spectral efficiency can grow linearly with K as K, J →∞. This is achieved by extending the time domain interference alignment scheme proposed by Grokop et al. for the k-user Gaussian interference channel to interference networks.

Traçadores isotópicos (Pb) e concentrações de metais em sedimentos superficiais: ferramentas na caracterização da poluição no setor oeste da baía de Sepetiba-RJ (SE do Brasil)

Este estudo teve como objetivo principal utilizar os teores de elementos-traço e análise isotópica de Pb (204Pb,206Pb,207Pb,208Pb) como ferramentas na caracterização da poluição da Baía de Sepetiba-RJ. As coletas de sedimento superficiais de fundo foram realizadas em três campanhas, em novembro de 2010, no setor oeste da Baía de Sepetiba RJ. A malha amostral é composta por 66 amostras (BSEP 001 a BSEP 066) coletadas com busca-fundo Van Veen. O pré-processamento das amostras ocorreu no Laboratório Geológico de Preparação de Amostras do Departamento de Geologia da Universidade do Estado do Rio de Janeiro. A digestão parcial das amostras de sedimento (< 0.072 mm) para obtenção do teor parcial dos elementos-traço (Ag, As, Cd, Co, Cr, Cu, Li, Mn, Ni, Pb, Sr, U, Zn) e de isótopo de Pb (lixiviação) foi executada no Laboratório de Geoquímica Analítica do Instituto de Geociências da UNICAMP e a leitura foi executada através do ICP-MS. Já as análises das concentrações totais dos elementos-traço (inclusive, Hg) e de isótopos de Pb (dissolução total) foram realizadas no laboratório ACTLABS (Ontário-Canadá) através do ICP Varian Vista. As leituras isotópicas foram feitas somente nas amostras que apresentaram concentrações parciais de Pb, acima de 0,5 g/g, totalizando 21 estações. Pôde-se constatar a existência de um enriquecimento de elementos-traço no setor oeste da Baía de Sepetiba. As médias dos teores totais de Ag (0,4 g/g), Cd (0,76 g/g), Cu (62,59 g/g), Li (43,29 g/g), Ni (16,65 g/g), Pb (20,08 g/g), Sr (389,64 g/g) e Zn (184,82 g/g) excederam os limites recomendados ou valores naturais. Isto pode ser reflexo da influência antrópica na região, principalmente relacionada à atividade de dragagem e à permanência dos resíduos de minério da desativada companhia de minério Ingá, na Ilha da Madeira. Os mapas de distribuição da concentração dos metais-traço destacaram a presença de vários sítios de deposição ao longo do setor oeste da baía de Sepetiba, com destaque para a região entre a porção centro oeste da Ilha de Itacuruça e o continente; Saco da Marambaia e Ponta da Pombeba; e porção oeste da Ponta da Marambaia. As razões isotópicas 206Pb/207Pb da área estudada variaram entre 1,163 a 1,259 para dissolução total e 1,1749-1,1877 para técnica de lixiviação, valores considerados como assinaturas de sedimentos pós-industriais ou comparados à assinatura de gasolina. Ainda sobre a técnica de lixiviação, destaca-se que os sedimentos superficiais do setor oeste (206Pb/207Pb: 1,1789) da baía de Sepetiba apresentaram uma assinatura uniforme e menos radiogênica do que setor leste (206Pb/207Pb: 1,2373 e 1,2110) desta baía. Através da assinatura isotópica de Pb encontrada nesta região é possível destacar a pouca contribuição das águas oceânicas para esse sistema, entretanto, a circulação interna intensa das águas da baía permite a homogeneização destas. O emprego destes tipos de ferramentas no monitoramento ambiental da área mostrou-se bastante eficiente, sendo importante a continuidade desta abordagem de pesquisa a fim de auxiliar na implementação de um plano de manejo local.