Prediction of individual automobile RBNS claim reserves in the context of Solvency II

Automobile bodily injury (BI) claims remain unsettled for a long time after the accident. The estimation of an accurate reserve for Reported But Not Settled (RBNS) claims is therefore vital for insurers. In accordance with the recommendation included in the Solvency II project (CEIOPS, 2007) a statistical model is here implemented for RBNS reserve estimation. Lognormality on empirical compensation cost data is observed for different levels of BI severity. The individual claim provision is estimated by allocating the expected mean compensation for the predicted severity of the victim’s injury, for which the upper bound is also computed. The BI severity is predicted by means of a heteroscedastic multiple choice model, because empirical evidence has found that the variability in the latent severity of injured individuals travelling by car is not constant. It is shown that this methodology can improve the accuracy of RBNS reserve estimation at all stages, as compared to the subjective assessment that has traditionally been made by practitioners.

Lifestyles positius i reserva cognitiva : Implicacions cognitives, clíniques i biològiques

La reserva cognitiva és un concepte hipotètic actual que sembla presentar la clau per a fer front al repte de les malalties neurodegeneratives. Aquesta es defineix com aquelles capacitats funcionals del cervell que ajuden a la persona a tolerar un major dany cerebral sense presentar manifestació clínica al respecte. La estreta relació del concepte amb els hàbits positius de les persones (lifestyles) la converteix en una variable independent per a la intervenció, prevenció i promoció de la salut. Els canvis morfològics del cervell i la consolidació de circuits neuronals més robustos i eficients semblen explicar els mecanismes de funcionament de la reserva cognitiva. Aquesta revisió defineix el concepte de reserva cognitiva i els models que l'expliquen, troba formes de mesurar-la i representar-la, i evidencia la seva relació amb els lifestyles positius mitjançant estudis epidemiològics i de neuroimatge, per tal de comprendre millor el concepte i enfocar-lo en una línia futura d'investigació.

Varavoimalaitosten pimeäkäynnistysmahdollisuudet

Nyky yhteiskunta tulee päivä päivältä riippuvaisemmaksi sähköstä ja sen luotettavasta siirrosta ja jakelusta. Suurhäiriö kantaverkossa on erittäin epätodennäköinen, mutta sen mahdollisuutta ei koskaan voida kokonaan rajata pois. Suurhäiriön seuraukset ovat erittäin vakavat ja yhteiskäytön palautus häiriön jälkeen voi pitkittyä. Diplomityössä käsitellään kantaverkkoyhtiö Fingrid Oyj:n kaasuturpiinivaravoimalaitoksia ja niiden ominaisuuksia kantaverkon suurhäiriössä. Varavoimalaitosten pimeäkäynnistysvalmiudet tarkastettiin ja niissä suoritettiin koeajoja, jotka sisälsivät jatkuvan ja dynaamisen tilan koeajo osuudet. Yhdessä laitosyksikössä tehtiin myös pimeäkäynnistys ja saarekekoeajo. Koeajojen perusteella saatiin arvokasta perustietoa kaasuturpiinilaitosten ominaisuuksista ja mahdollisuuksista toimia pimeäkäynnistystilanteissa. Varavoimalaitosten matemaattista mallintamista yksinkertaisella teollisuuskaasuturpiinilaitoksen mallilla kokeiltiin siinä kuitenkaan onnistumatta. Kokemusten perusteella esitetään keskeisimmät havainnot ja ehdotukset kevyen, moniakselisen kaasuturpiinilaitoksen mallintamiseksi.

Pienen ja keskisuuren osakeyhtiön pääoma uudessa osakeyhtiölaissa

Tämä Pro Gradu tutkielman tavoitteena on selvittää, miten 1.9.2007 voimaan tullut uusi osakeyhtiölaki vaikuttaa pienten ja keskisuurten osakeyhtiöiden pääomanhallintaan. Vastausta etsitään myös siihen, toteutuivatko lakimuutoksessa asetetut tavoitteet pienen ja keskisuuren yrityksen näkökulmasta. Tutkimusmetodologiana käytetään käsiteanalyyttistä lähestymistapaa. Tutkielma on havainnoiva ja selittävä. Tutkimuksen analyysin lähteenä käytettävät yritystilanteet ovat kirjoittajan tilitoimistotyössä esiin tulleita. Lain kokonaisuudistuksessa eräs tavoite oli tehdä laista pienille osakeyhtiöille selkeä ja toimintaa helpottava. Lain teksti on helppolukuisempaa ja lain rakenne on selkeä. Etua monelle perustettavalle pienelle osakeyhtiölle on siitä, että perustaminen on yksinkertaistunut ja minimipääoma pienentynyt. Velkojien aseman parantamiseksi lakiin otetun maksukykyisyystestin ja joustavan rahoitusratkaisun tarjoavan sijoitetun vapaan pääoman rahaston voidaan myös katsoa auttavan pientä ja keskisuurta osakeyhtiötä toiminnassaan. Maksukykyisyystesti on hyödyllinen muistutus varovaisesta varojen jaosta ja SVOP rahasto on vaihtoehto pääomalainalle. Verolakien uudistamatta jääminen osakeyhtiölain muuttuessa on vaikeuttanut joidenkin OYL:n mahdollistamien uusien menettelytapojen käyttöönottoa.

Henkilöstöresurssien hallintatyökalun vaatimukset asiantuntijaorganisaatiossa

Yrityksen organisaatiomallin pitää palvella tehokasta toimintaa. Tällä hetkellä tässä yrityksessä resurssipooleihin perustuva organisaatio on katsottu sopivaksi. Sen toivotaan mahdollistavan henkilöstöresurssien tehokas hyödyntäminen. Organisaation muutos vaatii myös toimintatapojen ja joissain tapauksissa tietojärjestelmien muutosta. Tässä tapauksessa siirtyminen uudenlaiseen organisaatioon loi tarpeen uudelle resurssien varaus- ja etsintätoiminnolle ja sitä tukeville tietovarastoille. Vaatimusmäärityksen tuloksena voidaan todeta, että nykyinen ERP-ohjelmisto ei ole paras mahdollinen yrityksen käyttöön, vaikka senkin kanssa yritys kyllä tulee toimeen. Tärkeimpinä vaatimuksina hyvälle hallintasovellukselle voidaan pitää mahdollisuutta seurata työntekijöiden osaamisen ja tietämyksen kehitystä sekä arvioida niiden tasoa, mahdollisuutta varata niin henkilöitä kuin osaamisia ja tehokasta ja muunneltavaa mekanismia henkilöiden valintaan projekteihin. Nykyisessä toteutuksessa henkilöstön osaamisten käsittely on hiukan rajoittunutta eikä mitään historiatietoja tallenneta tai käytetä hyödyksi missään vaiheessa. Myös resurssien haku projekteihin olisi mahdollista toteuttaa paremmin. Hakuihin pitäisi saada lisää hakuehtoja ja mahdollistaa yleisluontoisemmat ehdot yksityiskohtien sijaan, vaikka tiedot olisivatkin tarkemmalla tasolla. Näistä syistä uuden työkalun rakentamista henkilöstöresurssien paremman hyödyntämisen takaamiseksi voidaan pitää perusteltuna.

Adsorption of glyphosate in a forest soil: a study using Mössbauer and FT-IR spectroscopy

We studied the adsorption of glyphosate (GPS) onto soil mineral particles, using FT-IR and Mössbauer spectroscopy. From IR measurements for samples collected under native vegetation of a forest reserve, bands at 1632 and 1407 cm-1 could be attributed to the interaction between the carboxylic group of GPS and structural Al3+ and Fe3+ on the surface of mineral particles; bands at 1075 and 1000 cm-1 were observed only for cultivated soil. Mössbauer spectra for these soils were definitely fitted using a broad central doublet in addition to the magnetic component. This multiple quadrupolar component may be attributed to all non-magnetic Fe3+ contributions, including that of the GPS/Fe3+ complex.

Composição elementar do aerossol atmosférico na região central da Bacia Amazônica

The processes and sources that regulate the elemental composition of aerosol particles were investigated in both fine and coarse modes during the dry and wet seasons. One hundred and nine samples were collected from the biological reserve Cuieiras - Manaus from February to October 2008, and analyzed together with 668 samples that were previously collected at Balbina from 1998 to 2002. Particle induced X-ray emission technique was used to determine the elemental composition, while the concentration of black carbon was obtained from the measurement of optical reflectance. Absolute principal factor analysis and positive matrix factorization were performed for source apportionment, which was complemented with back trajectory analysis. A regional identity for the natural biogenic aerosol was found for the Central Amazon Basin and can be used in dynamical chemical region models.

Variation of essential oil composition of Tapirira guianensis Aubl. (Anacardiaceae) from two sandbank forests, north of Brazil

Tapirira guianensis (Anacardiaceae) is used in traditional medicine and is important for the recovery of degraded areas and riparian forests because the T. guianensis fruits are highly consumed by wildlife. Volatile components from dried leaves and branches of five individual plants of T. guianensis were collected in two sandbank forests of the State of Pará (Extractive Reserve Maracanã and Area of Environmental Protection Algodoal/Maiandeua), extracted by hydrodistillation using a Clevenger-type apparatus, and analyzed by GC/MS. The ten oils obtained are comprised mostly of sesquiterpene hydrocarbons (58.49 to 100%), with (E)-caryophyllene, β-selinene, α-selinene, β-sesquiphellandrene, and α-zingiberene being the most prominent. The results of the oil compositions were processed by Hierarchical Component Analysis (HCA) allowing the establishment of three groups of essential oils for T. guianensis differentiated by the content of β-selinene/α-selinene (Type I), (E)-caryophyllene (Type II), and β-sesquiphellandrene/α-zingiberene (Type III).

EXTRAÇÃO DE POLI(3-HIDROXIBUTIRATO), PRODUZIDO POR Cupriavidus necator, COM CARBONATO DE PROPILENO

The environmental impact of plastic waste has attracted worldwide attention. Amid the current context of increasing concern for the environment, biodegradable plastics have been widely studied as a replacement for synthetic plastics. Poly(3-hydroxybutyrate) (P(3HB)) is a biopolymer stored as an intracellular energy and reserve source in many microorganisms. Because it is an intracellular product, P(3HB) must be extracted from the cells at the end of the culture. The purpose of this study was to investigate the effect of extraction time, heating temperature, first standing time (after filtration and extraction), second standing time (after P(3HB) precipitation) and solvent amount, during the process of extracting P(3HB) from Cupriavidus necator DSM 545, using propylene carbonate as solvent. The extraction kinetic of P(3HB) with propylene carbonate from thermally treated biomass was evaluated at different temperatures. The physical properties of the P(3HB) obtained were also evaluated. In this case, P(3HB) obtained at optimal conditions of recovery (98%) and purity (99%) was used. Results showed that temperature was the most important factor in these responses for the range of values studied (110-150 ºC).

MÉTODOS DE EXTRAÇÃO DE POLI-HIDROXIALCANOATOS A PARTIR DE BIOMASSA BACTERIANA

Polyhydroxyalkanoates (PHAs) are biodegradable and biocompatible polyesters intracellularly accumulated by many bacteria as an energy reserve material and carbon source. These biopolymers may be extracted from cells after their production phase, and the extraction process involves various individual operations to ensure adequate removal of the biopolymer from the cells. During this process, the following aspects should be considered: reduction of product losses during different stages of the process to obtain a highly pure product, preservation of physical and thermal characteristics, and use of low toxicity chemicals to achieve sustainable production and avoid harming the environment. The impact of the costs of PHA extraction on the total cost of the production process may account for over 50% of the end-value of the product. Within this context, several methods of PHA extraction have been reported in the literature. These methods include the use of solvents, chemical digestion, enzymatic digestion, mechanical extraction with high-pressure homogenization and ultrasound, extraction using supercritical fluids, or a combination of these methods. The present review of the literature shows strategies for extraction processes of PHAs produced by bacteria involving cell destabilization and/or breakage, recovery, and purification of the biopolymer.

The Regulation of Skeletal and Cardiac Muscle Blood Flow in Humans. Studies by positron emission tomography with special reference to exercise, adenosine and nitric oxide

Virtually every cell and organ in the human body is dependent on a proper oxygen supply. This is taken care of by the cardiovascular system that supplies tissues with oxygen precisely according to their metabolic needs. Physical exercise is one of the most demanding challenges the human circulatory system can face. During exercise skeletal muscle blood flow can easily increase some 20-fold and its proper distribution to and within muscles is of importance for optimal oxygen delivery. The local regulation of skeletal muscle blood flow during exercise remains little understood, but adenosine and nitric oxide may take part in this process. In addition to acute exercise, long-term vigorous physical conditioning also induces changes in the cardiovasculature, which leads to improved maximal physical performance. The changes are largely central, such as structural and functional changes in the heart. The function and reserve of the heart’s own vasculature can be studied by adenosine infusion, which according to animal studies evokes vasodilation via it’s a_2A receptors. This has, however, never been addressed in humans in vivo and also studies in endurance athletes have shown inconsistent results regarding the effects of sport training on myocardial blood flow. This study was performed on healthy young adults and endurance athletes and local skeletal and cardiac muscle blod flow was measured by positron emission tomography. In the heart, myocardial blood flow reserve and adenosine A_2A receptor density, and in skeletal muscle, oxygen extraction and consumption was also measured. The role of adenosine in the control of skeletal muscle blood flow during exercise, and its vasodilator effects, were addressed by infusing competitive inhibitors and adenosine into the femoral artery. The formation of skeletal muscle nitric oxide was also inhibited by a drug, with and without prostanoid blockade. As a result and conclusion, it can be said that skeletal muscle blood flow heterogeneity decreases with increasing exercise intensity most likely due to increased vascular unit recruitment, but exercise hyperemia is a very complex phenomenon that cannot be mimicked by pharmacological infusions, and no single regulator factor (e.g. adenosine or nitric oxide) accounts for a significant part of exercise-induced muscle hyperemia. However, in the present study it was observed for the first time in humans that nitric oxide is not only important regulator of the basal level of muscle blood flow, but also oxygen consumption, and together with prostanoids affects muscle blood flow and oxygen consumption during exercise. Finally, even vigorous endurance training does not seem to lead to supranormal myocardial blood flow reserve, and also other receptors than A_2A mediate the vasodilator effects of adenosine. In respect to cardiac work, atheletes heart seems to be luxuriously perfused at rest, which may result from reduced oxygen extraction or impaired efficiency due to pronouncedly enhanced myocardial mass developed to excel in strenuous exercise.

Toimintamallin luominen pohjavesien suojelemiseksi puolustusvoimien ampuma- ja harjoitusalueilla

Työssä tutkitaan puolustusvoimien pohjavesialueilla sijaitsevien ampuma- ja harjoitus-alueiden toimintojen riskejä ja määritellään niiden perusteella toimintamallia pohjavesien suojelemiseksi. Työn tilaajana on puolustusvoimat, jolla on useita harjoitusalueita luokitelluilla pohjavesialueilla. Pohjavesi on rajallinen maanalainen vesivarasto, joka on haavoittuvainen ympäristövai-kutuksille vaikean puhdistettavuutensa takia. Pohjaveden pilaaminen on lailla kielletty. Lainsäädäntö velvoittaa toiminnanharjoittajia olemaan selvillä toimintojen ympäristö-vaikutuksista ja ennalta ehkäisemään mahdollisia vaikutuksia. Työn tarkoituksena oli selvittää ampuma- ja harjoitusalueiden toimintojen riskejä poh-javedensuojelua ajatellen. Riskejä arvioitiin sijainnin ja päästöjen kannalta, satunnais-päästöriskianalyysiä käyttäen. Riskit luokiteltiin merkittävyyden kannalta eri riskiluok-kiin, joista merkittävimmille laadittiin toimenpide-ehdotuksia. Esimerkkikohteena käy-tettiin Taipalsaaren ampuma- ja harjoitusaluetta, jolle laadittiin riskianalyysin perusteella tarkkailusuunnitelmaehdotus. Työn lopputuloksena syntyi toimintamalliehdotus riskien arvioimiselle ja tarkkailu-suunnitelman laatimiselle. Tätä mallia voidaan käyttää hyväksi ampuma- ja harjoitus-alueiden ympäristövaikutuksien hallinnan suunnittelussa.

CT and PET/CT Hybrid Imaging of Coronary Artery Disease

Coronary artery disease (CAD) is a chronic process that evolves over decades and may culminate in myocardial infarction (MI). While invasive coronary angiography (ICA) is still considered the gold standard of imaging CAD, non-invasive assessment of both the vascular anatomy and myocardial perfusion has become an intriguing alternative. In particular, computed tomography (CT) and positron emission tomography (PET) form an attractive combination for such studies. Increased radiation dose is, however, a concern. Our aim in the current thesis was to test novel CT and PET techniques alone and in hybrid setting in the detection and assessment of CAD in clinical patients. Along with diagnostic accuracy, methods for the reduction of the radiation dose was an important target. The study investigating the coronary arteries of patients with atrial fibrillation (AF) showed that CAD may be an important etiology of AF because a high prevalence of CAD was demonstrated within AF patients. In patients with suspected CAD, we demonstrated that a sequential, prospectively ECG-triggered CT technique was applicable to nearly 9/10 clinical patients and the radiation dose was over 60% lower than with spiral CT. To detect the functional significance of obstructive CAD, a novel software for perfusion quantification, CarimasTM, showed high reproducibility with 15O-labelled water in PET, supporting feasibility and good clinical accuracy. In a larger cohort of 107 patients with moderate 30-70% pre-test probability of CAD, hybrid PET/CT was shown to be a powerful diagnostic method in the assessment of CAD with diagnostic accuracy comparable to that of invasive angiography and fractional flow reserve (FFR) measurements. A hybrid study may be performed with a reasonable radiation dose in a vast majority of the cases, improving the performance of stand-alone PET and CT angiography, particularly when the absolute quantification of the perfusion is employed. These results can be applied into clinical practice and will be useful for daily clinical diagnosis of CAD.

Analysis and Control of Excitation, Field Weakening and Stability in Direct Torque Controlled Electrically Excited Synchronous Motor Drives

Direct torque control (DTC) is a new control method for rotating field electrical machines. DTC controls directly the motor stator flux linkage with the stator voltage, and no stator current controllers are used. With the DTC method very good torque dynamics can be achieved. Until now, DTC has been applied to asynchronous motor drives. The purpose of this work is to analyse the applicability of DTC to electrically excited synchronous motor drives. Compared with asynchronous motor drives, electrically excited synchronous motor drives require an additional control for the rotor field current. The field current control is called excitation control in this study. The dependence of the static and dynamic performance of DTC synchronous motor drives on the excitation control has been analysed and a straightforward excitation control method has been developed and tested. In the field weakening range the stator flux linkage modulus must be reduced in order to keep the electro motive force of the synchronous motor smaller than the stator voltage and in order to maintain a sufficient voltage reserve. The dynamic performance of the DTC synchronous motor drive depends on the stator flux linkage modulus. Another important factor for the dynamic performance in the field weakening range is the excitation control. The field weakening analysis considers both dependencies. A modified excitation control method, which maximises the dynamic performance in the field weakening range, has been developed. In synchronous motor drives the load angle must be kept in a stabile working area in order to avoid loss of synchronism. The traditional vector control methods allow to adjust the load angle of the synchronous motor directly by the stator current control. In the DTC synchronous motor drive the load angle is not a directly controllable variable, but it is formed freely according to the motor’s electromagnetic state and load. The load angle can be limited indirectly by limiting the torque reference. This method is however parameter sensitive and requires a safety margin between the theoretical torque maximum and the actual torque limit. The DTC modulation principle allows however a direct load angle adjustment without any current control. In this work a direct load angle control method has been developed. The method keeps the drive stabile and allows the maximal utilisation of the drive without a safety margin in the torque limitation.

Vascular Function in Chronic Kidney Disease and in Renovascular Disease

Cardiovascular mortality is 15 to 30 times higher in patients with chronic kidney disease than in the age-adjusted general population. Even minor renal dysfunction predicts cardiovascular events and death in the general population. In patients with atherosclerotic renovascular disease the annual cardiovascular event and death rate is even higher. The abnormalities in coronary and peripheral artery function in the different stages of chronic kidney disease and in renovascular disease are still poorly understood, nor have the cardiac effects of renal artery revascularization been well characterized, although considered to be beneficial. This study was conducted to characterize myocardial perfusion and peripheral endothelial function in patients with chronic kidney disease and in patients with atherosclerotic renovascular disease. Myocardial perfusion was measured with positron emission tomography (PET) and peripheral endothelial function with brachial artery flow-mediated dilatation. It has been suggested that the poor renal outcomes after the renal artery revascularization could be due to damage in the stenotic kidney parenchyma; especially the reduction in the microvascular density, changes mainly evident at the cortical level which controls almost 80% of the total renal blood flow. This study was also performed to measure the effect of renal artery stenosis revascularization on renal perfusion in patients with renovascular disease. In order to do that a PET-based method for quantification of renal perfusion was developed. The coronary flow reserve of patients with chronic kidney disease was similar to the coronary flow reserve of healthy controls. In renovascular disease the coronary flow reserve was, however, markedly reduced. Flow-mediated dilatation of brachial artery was decreased in patients with chronic kidney disease compared to healthy controls, and even more so in patients with renovascular disease. After renal artery stenosis revascularization, coronary vascular function and renal perfusion did not improve in patients with atherosclerotic renovascular disease, but in patients with bilateral renal artery stenosis, flow-mediated dilatation improved. Chronic kidney disease does not significantly affect coronary vascular function. On the contrary, coronary vascular function was severely deteriorated in patients with atherosclerotic renovascular disease, possibly because of diffuse coronary artery disease and/or diffuse microvascular disease. The peripheral endothelial function was disturbed in patients with chronic kidney disease and even more so in patient with atherosclerotic renovascular disease. Renal artery stenosis dilatation does not seem to offer any benefits over medical treatment in patients with renovascular disease, since revascularization does not improve coronary vascular function or renal perfusion.