Droit communautaire afférant aux services financiers en ligne

Suite à l’essor des marchés financiers en ligne tant à l’intérieur de l’Union Européenne qu’en Amérique du Nord, les législateurs communautaires ont pris différentes mesures visant à exercer un certain contrôle sur le flux financier découlant de cet essor. Afin de mieux situer le lecteur dans cet amalgame de textes juridiques, l’auteur de cet article dresse un portrait exhaustif des différentes lois, directives et conventions applicables aux services financiers en ligne. Le domaine des services financiers n’échappant pas à l’aspect international du réseau Internet, la problématique de l’assujettissement de sites nord-américains au droit communautaire demeure d’un grand intérêt. Comme le souligne l’auteur, malgré le fait que certains joueurs ne devrait pas, à première vue être soumis au droit communautaire, les autorités de l’Union Européennes justifient leur occupation de la compétence par rapport aux activités financières en ligne en raison de leur intérêt pour la réalisation du marché unique. En partant de ce constat, l’auteur aborde exhaustivement les différents textes juridiques de droit européen pouvant accorder un recours quelconque au consommateur désirant obtenir des services financiers en ligne, peu importe l’origine géographique du site, notamment la très récente Directive 2002/65/CE du Parlement européen et du Conseil du 23 septembre 2002 concernant la commercialisation à distance de services financiers auprès des consommateurs, et modifiant les directives 90/619/CEE du Conseil, 97/7/CE et 98/27/CE. Ce nouveau texte prévoit, entre autres, que les protections accordées au consommateurs ne peuvent êtres outrepassées même lorsque la loi applicable au contrat est celle d’un pays tiers à condition que ledit consommateur soit résident d’un État membre de la Communauté et que le contrat ait des liens de rattachement proches avec la Communauté.

Design and fabrication of a photothermal spectrometer and investigations of multilayer thin films"

In this work we present the results of our attempt to build a compact photothermal spectrometer capable of both manual and automated mode of operation.The salient features of the system include the ability to analyse thin film, powder and polymer samples. The tool has been in use to investigate thermal, optical and transport properties. Binary and ternary semiconducting thin films were analysed for their thermal diffusivities. The system could perform thickness measurements nondestructively. Ion implanted semiconductors are widely studied for the effect of radiation induced defects. We could perform nondestructive imaging of defects using our spectrometer.The results reported in his thesis on the above in addition to studies on In2S3 and transparent conducting oxide ZnO have been achieved with this spectrometer. Various polymer samples have been easily analysed for their thermal diffusivities. The technique provided ease of analysis not achieved with conventional techniques like TGA and DSC. Industrial application of the tool has also been proved by analyzing defects of welded joints and adhesion of paints. Indigenization of the expensive lock-in-amplifier and automation has been the significant achievement in the course of this dissertation. We are on our way to prove the noise rejection capabilities of our PC LIA.

Realization of a Scanning Photoacoustic Technique: Thermal properties of Bulk and Film Samples

Among the large number of photothcrmal techniques available, photoacoustics assumes a very significant place because of its essential simplicity and the variety of applications it finds in science and technology. The photoacoustic (PA) effect is the generation of an acoustic signal when a sample, kept inside an enclosed volume, is irradiated by an intensity modulated beam of radiation. The radiation absorbed by the sample is converted into thermal waves by nonradiative de-excitation processes. The propagating thermal waves cause a corresponding expansion and contraction of the gas medium surrounding the sample, which in tum can be detected as sound waves by a sensitive microphone. These sound waves have the same frequency as the initial modulation frequency of light. Lock-in detection method enables one to have a sufficiently high signal to noise ratio for the detected signal. The PA signal amplitude depends on the optical absorption coefficient of the sample and its thermal properties. The PA signal phase is a function of the thermal diffusivity of the sample.Measurement of the PA amplitude and phase enables one to get valuable information about the thermal and optical properties of the sample. Since the PA signal depends on the optical and thennal properties of the sample, their variation will get reflected in the PA signal. Therefore, if the PA signal is collected from various points on a sample surface it will give a profile of the variations in the optical/thennal properties across the sample surface. Since the optical and thermal properties are affected by the presence of defects, interfaces, change of material etc. these will get reflected in the PA signal. By varying the modulation frequency, we can get information about the subsurface features also. This is the basic principle of PA imaging or PA depth profiling. It is a quickly expanding field with potential applications in thin film technology, chemical engineering, biology, medical diagnosis etc. Since it is a non-destructive method, PA imaging has added advantages over some of the other imaging techniques. A major part of the work presented in this thesis is concemed with the development of a PA imaging setup that can be used to detect the presence of surface and subsmface defects in solid samples.Determination of thermal transport properties such as thermal diffusivity, effusivity, conductivity and heat capacity of materials is another application of photothennal effect. There are various methods, depending on the nature of the sample, to determine these properties. However, there are only a few methods developed to determine all these properties simultaneously. Even though a few techniques to determine the above thermal properties individually for a coating can be found in literature, no technique is available for the simultaneous measurement of these parameters for a coating. We have developed a scanning photoacoustic technique that can be used to determine all the above thermal transport properties simultaneously in the case of opaque coatings such as paints. Another work that we have presented in this thesis is the determination of thermal effusivity of many bulk solids by a scanning photoacoustic technique. This is one of the very few methods developed to determine thermal effiisivity directly.

Preparation of useful raw materials from Refinery sludge and its utilisation in rubber processing

Petroleum, a mixture of organic compounds, comes from underground rock formations ranging in age from ten to several hundred million years. The process by which it is formed and developed is not yet completely known. Studies indicate that petroleum is formed mainly from microscopic-sized marine animals and plants. When these organisms died in water of low oxygen content, they did not decompose. Thus their remains sank to the bottom to be buried under accumulations of sediment. Their conversion to petroleum remains a subject of research even today.

An investigation on the preparation and properties of some transparent conducting oxides and lead selenide thin films”

The investigation of physical properties of matter has progressed so much during the last hundred years. Today physics is divided in to a large distinct group of special branches. These branches are distinguished by the particular area studied, method of investigation and so on. An independent and important branch that has developed is the physics ofthin films.Any object in solid or liquid form with one of its dimensions very much smaller than that of the other two may be called a thin film. It is having only one common property, namely, one of their dimensions is very small, though all their physical properties may be different. Thin layers of oil, floating on the surface of water, with their fascinating colours, have attracted men’s curiosity from time immemorial. The earliest application of thin films was the protective coatings in the form of paints. A thin layer of tin has been used from ancient times to protect copper utensils from corrosion. Indium thin films are used in certain applications on account of their good lubricating property. Relay contacts are coated with thin films of rare earth metals in order to prevent burning due to arcing. Hard coatings are also available using diamond like carbon (i-carbon). The basic properties of thin films are of considerable interest because of their potential applications in various fields of science and technology

Pilot Plant Studies On The Utilization Of Industrial Wastes For Industrial Bitumen Manufacture

The main objectives of the investigations reported in the present thesis are the following: (1) to find out some industrial wastes as cheaper additives to augment the air-blowing polymerization process of bitumen. This will bring down the cost of production of industrial bitumen which can be applied for the manufacture of bitumenous paints, roofing and flooring materials etc. (2) to find out suitable promoters for the above additives. This will bring down the consumption of the additives (3) to help in the industrial pollution control (4) to investigate the usefulness of the industrial bitumen produced in the production of bituminous paints (5) to find out thekinetic parameters of the reactions invovled with different additives. This is essential for the design, construction and operation of new industrial bitumen plants using the additives investigated. This will also enable us to establish the mechanism of the reactions involved in the process

Synthesis, Characterization and Applications of Hybrid Nanocomposites of TiO2 With Conducting Polymers

A nanocomposite is a multiphase solid material where one of the phases has one, two or three dimensions of less than 100 nanometers (nm), or structures having nano-scale repeat distances between the different phases that make up the material. In the broadest sense this definition can include porous media, colloids, gels and copolymers, but is more usually taken to mean the solid combination of a bulk matrix and nano-dimensional phase(s) differing in properties due to dissimilarities in structure and chemistry. The mechanical, electrical, thermal, optical, electrochemical, catalytic properties of the nanocomposite will differ markedly from that of the component materials. Size limits for these effects have been proposed, <5 nm for catalytic activity, <20 nm for making a hard magnetic material soft, <50 nm for refractive index changes, and <100 nm for achieving superparamagnetism, mechanical strengthening or restricting matrix dislocation movement. Conducting polymers have attracted much attention due to high electrical conductivity, ease of preparation, good environmental stability and wide variety of applications in light-emitting, biosensor chemical sensor, separation membrane and electronic devices. The most widely studied conducting polymers are polypyrrole, polyaniline, polythiophene etc. Conducting polymers provide tremendous scope for tuning of their electrical conductivity from semiconducting to metallic region by way of doping and are organic electro chromic materials with chemically active surface. But they are chemically very sensitive and have poor mechanical properties and thus possessing a processibility problem. Nanomaterial shows the presence of more sites for surface reactivity, they possess good mechanical properties and good dispersant too. Thus nanocomposites formed by combining conducting polymers and inorganic oxide nanoparticles possess the good properties of both the constituents and thus enhanced their utility. The properties of such type of nanocomposite are strongly depending on concentration of nanomaterials to be added. Conducting polymer composites is some suitable composition of a conducting polymer with one or more inorganic nanoparticles so that their desirable properties are combined successfully. The composites of core shell metal oxide particles-conducting polymer combine the electrical properties of the polymer shell and the magnetic, optical, electrical or catalytic characteristics of the metal oxide core, which could greatly widen their applicability in the fields of catalysis, electronics and optics. Moreover nanocomposite material composed of conducting polymers & oxides have open more field of application such as drug delivery, conductive paints, rechargeable batteries, toners in photocopying, smart windows, etc.The present work is mainly focussed on the synthesis, characterization and various application studies of conducting polymer modified TiO2 nanocomposites. The conclusions of the present work are outlined below, Mesoporous TiO2 was prepared by the cationic surfactant P123 assisted hydrothermal synthesis route and conducting polymer modified TiO2 nanocomposites were also prepared via the same technique. All the prepared systems show XRD pattern corresponding to anatase phase of TiO2, which means that there is no phase change occurring even after conducting polymer modification. Raman spectroscopy gives supporting evidence for the XRD results. It also confirms the incorporation of the polymer. The mesoporous nature and surface area of the prepared samples were analysed by N2 adsorption desorption studies and the mesoporous ordering can be confirmed by low angle XRD measurementThe morphology of the prepared samples was obtained from both SEM & TEM. The elemental analysis of the samples was performed by EDX analysisThe hybrid composite formation is confirmed by FT-IR spectroscopy and X-ray photoelectron spectroscopyAll the prepared samples have been used for the photocatalytic degradation of dyes, antibiotic, endocrine disruptors and some other organic pollutants. Photocatalytic antibacterial activity studies were also performed using the prepared systemsAll the prepared samples have been used for the photocatalytic degradation of dyes, antibiotic, endocrine disruptors and some other organic pollutants. Photocatalytic antibacterial activity studies were also performed using the prepared systems Polyaniline modified TiO2 nanocomposite systems were found to have good antibacterial activity. Thermal diffusivity studies of the polyaniline modified systems were carried out using thermal lens technique. It is observed that as the amount of polyaniline in the composite increases the thermal diffusivity also increases. The prepared systems can be used as an excellent coolant in various industrial purposes. Nonlinear optical properties (3rd order nonlinearity) of the polyaniline modified systems were studied using Z scan technique. The prepared materials can be used for optical limiting Applications. Lasing studies of polyaniline modified TiO2 systems were carried out and the studies reveal that TiO2 - Polyaniline composite is a potential dye laser gain medium.

Implementación de estrategias de producción más limpia en la empresa inversiones Rustiplast Ltda.

Este trabajo de grado es el resultado de un diagnóstico de gestión ambiental realizado a Inversiones Rustiplast, una fábrica de pinturas que a pesar de tener acercamientos empíricos en este tema requería de un método juicioso que le permitiera establecer lineamientos y procedimientos en la implementación de estrategias de producción más limpia. Es allí donde surgió la necesidad de realizar un estudio de impactos y aspectos ambientales de los procesos de producción más importantes de la empresa, que permitió proponer programas que mitigan aquellos impactos negativos al ambiente dándole una importancia primordial a la normatividad que debe cumplir la compañía para poder desenvolverse en cada uno de ellos.

Asignación estratégica de un modelo de logística inversa aplicado a los envases de pintura

El presente proyecto de investigación tuvo como principal objetivo resaltar la importancia de la responsabilidad social empresarial en el marco del desarrollo sostenible, unificando estrategias de logística inversa con modelos que permitirán cerrar el ciclo de vida útil de los envases de las mas prestigiosas compañías colombianas; líderes en el sector químico, mas exactamente de pinturas. Al ver la oportunidad del proyecto, en este se analizaron a grandes rasgos, los procesos inmersos en la producción, distribución y comercialización de las pinturas en el país para así poder llegar al cliente final quien se convirtió tanto en la fuente principal para la recolección de los residuos solidos generados como en el precursor de interrogantes y retos sobre cuales y como deberían ser atacadas las problemáticas sociales y ambientales que se originaban en la post-venta de dichos productos. De lo contrario, no se hubiera podido reflejar la importancia que tenia el proyecto en la búsqueda de soluciones a la problemática ambiental por la que atraviesa nuestro planeta. Problemática que debía ser atacada con iniciativas como estas que buscan disminuir y/o evitar la contaminación a recursos naturales existentes y en extinción. La recolección de envases contaminados y sus respectivas estrategias de reutilización, reciclaje y disposición final, acompañados de estrategias comerciales, ambientales y sociales de la empresa que seria creada para llevar a cabo esta tarea. Fueron los principales temas que se desarrollaron en el presente proyecto.

Análisis de los componentes de la cadena de suministro y su relación con el desempeño superior de la organización en el sector manufacturero

En este documento se evidencia como el desempeño organizacional de una empresa, entendido como el rendimiento superior de la misma, se ve modificado por las prácticas o metodologías utilizadas, aplicadas e integradas a cada uno de los componentes de la Cadena de suministros. Es así que el propósito principal es demostrar cual es la relación entre los componentes de la Cadena de Suministros y su gestión sobre los rendimientos económicos de la empresa. De esa manera se encontraron múltiples actividades que toman lugar en los procesos característicos de cada uno de los componentes de la cadena de suministros y que al final nos presentan una variabilidad sobre los rendimientos de la empresa. Cabe recalcar que la investigación se realizó con respecto a empresas pertenecientes al sector manufacturero y abarca una buena parte de este. La importancia que tiene la investigación, es el haber entregado como resultado, el conocimiento sobre algunas de las practicas más utilizadas en el sector en cada uno de sus componentes, lo cual hace de la Cadena de suministros, un factor por excelencia para ser tratado e implementado con el fin de alcanzar mayores rendimientos económicos a nivel de empresa. En la investigación se utilizaron los casos de empresas reales tanto nacionales como internacionales y se encontraron situaciones claves que evidenciaban la hipótesis de la relación entre la cadena de suministros y el desempeño organizacional. Es por ello, que si bien es ahora cierto, que las actividades desarrolladas en los componentes de la Cadena de Suministros de las empresas influyen en el incremento de los rendimientos, es importante que las empresas conozcan de esta información para tener una idea de cómo desarrollar ventajas competitivas que los posicionen como empresa y les genere entonces mayores rendimientos, o por el contrario, les genere ahorros en costos y por ende altos beneficios y nuevas inversiones en prácticas que a la larga volverá a la empresa en un organismo eficientes y próspero.

Las novelas de "los nuevos años": literatura e historia en Alfredo Pareja Diezcanseco (Del Fabulador)

El autor comenta la trilogía «Los nuevos años», de Alfredo Pareja Diezcanseco. La advertencia presenta los sueños de modernización del país, con su esperanza de mayor equidad e inclusión, El aire y los recuerdos es leída como una creación de singulares matices poéticos: el aire se vuelve portador de ilusiones y sueños de soluciones para el país, pero también se los lleva, con las frustraciones, desamparos y fracasos, Los poderes omnímodos narra los inicios de la era velasquista, saca el mejor provecho a situaciones y personajes, probando una madurez narrativa excepcional. Pareja retrata las dos grandes ciudades del país en estas novelas, pero también recorre los campos, episodios históricos de importancia son el pretexto para mostrar, ambiciosamente, los diversos y amplios sectores de la estructura social ecuatoriana, eventos y personajes que, a su vez, se encuentran en diálogo con otros sucesos del mundo contemporáneo de la época. El autor sostiene que puede hablarse de una tendencia globalizadora de Pareja en estas novelas, de un claro afán por «desenclaustrar» a la nación.

Chemistry and biology of maculalactone A from the marine cyanobacterium Kyrtuthrix maculans

Maculalactone A is the most abundant secondary metabolite in Kyrtuthrix maculans, a marine cyanobacterium found in the mid-high shore of moderately exposed to sheltered rocky shores in Hong Kong and South East Asia. This species appears to survive as pure colonies forming distinct black zones on the rock. Maculalactone A may provide K. maculans with a chemical defense against several marine organisms, including the common grazer, Chlorostoma argyrostoma and settlement by larvae of the barnacles, Tetraclita japonica, Balanus amphitrite and Ibla cumingii. The natural concentration of maculalactone A varied with season and also with tidal height on the shore and although a strong positive linear correlation was observed between maculalactone A concentration and herbivore grazing pressure, manipulative experiments demonstrated that grazing pressure was not directly responsible for inducing the biosynthesis of this metabolite. The potential of maculalactone A as a natural marine anti-fouling agent (i.e. as an alternative to environmentally-damaging copper- and tin-based anti-fouling paints) was investigated after achieving a gram-scale synthesis of this compound. Preliminary field trials with anti-fouling paints which contained synthetic maculalactone A as the active principle have confirmed that this compound seems to have a specific activity against molluscan settlers.

DMP XV palaeohydrology and palaeoenvironment: initial results and report of 2010 and 2011 fieldwork

This paper reports the results of fieldwork conducted in the 2010 and 2011 DMP field seasons and of analysis of samples collected during these and previous years. Research has involved 1) studying palaeolake sediment outcrops, 2) using ground penetrating radar (GPR) to determine their extent under the Dahān Ubārī, and 3) coring palaeolakes in order to determine their palaeoenvironmental records. Research on these samples is continuing but some initial findings are discussed in this paper. The most extensive palaeolake sediments are found within the al-Mahruqah Formation and were deposited by a giant lake system that developed in the Fazzān Basin during past humid periods. Stratigraphic analysis of Lake Megafazzān sediments suggests two different sedimentary successions, a lake margin succession distinctive for its lacustrine and palaeosol carbonates, and a clastic-dominated, intensely rootleted, basin-centre succession which has terrestrial intervals (aeolian and palaeosols) as well as in the upper parts lacustrine limestones. Both basin margin and basin centre successions are underlain by fluvial deposits. Magnetostratigraphy suggests that the formation may be as old as the mid-Pliocene. After the Lake Megafazzān phase, smaller palaeolakes developed within the basin during subsequent humid periods. One of the largest is found in the Wādī al-Hayāt in the area between Jarma and Ubārī. Similar deposits further west along the Wādī at progressively higher altitudes are interpreted as small lakes and marshes fed by springs issuing from aquifers at the base of the escarpment, last replenished during the Holocene humid phase. Dating of sediments suggests that this was between c. 11 and c. 8 ka. The Wādī ash-Shāţī palaeolake core also provides a Holocene palaeoclimate record that paints a slightly different picture, indicating lake conditions until around 7 ka, whereupon it started oscillating until around 5.5 ka when sedimentation terminates. The reasons for the differences in these records are discussed.

Using paint to investigate fires: an ATR-IR study of the degradation of paint samples upon heating

Fire investigation is a challenging area for the forensic investigator. The aim of this work was to use spectral changes to paint samples to estimate the temperatures to which a paint has been heated. Five paint samples (one clay paint, two car paints, one metallic paint, and one matt emulsion) have been fully characterized by a combination of attenuated total reflectance Fourier transform infrared (ATR-IR), Raman, X-ray fluorescence spectroscopy and powder X-ray diffraction. The thermal decomposition of these paints has been investigated by means of ATR-IR and thermal gravimetric analysis. Clear temperature markers are observed in the ATR-IR spectra namely: loss of m(C = O) band, >300°C; appearance of water bands on cooling, >500°C; alterations to m(Si–O) bands due to dehydration of silicate clays, >700°C; diminution of m(CO3) and d(CO3) modes of CaCO3, >950°C. We suggest the possible use of portable ATR-IR for nondestructive, in situ analysis of paints.

On the role of specific interactions in the diffusion of nanoparticles in aqueous polymer solutions

Understanding nanoparticle diffusion within non-Newtonian biological and synthetic fluids is essential in designing novel formulations (e.g., nanomedicines for drug delivery, shampoos, lotions, coatings, paints, etc.), but is presently poorly defined. This study reports the diffusion of thiolated and PEGylated silica nanoparticles, characterized by small-angle neutron scattering, in solutions of various water-soluble polymers such as poly(acrylic acid) (PAA), poly(Nvinylpyrrolidone) (PVP), poly(ethylene oxide) (PEO), and hydroxyethylcellulose (HEC) probed using NanoSight nanoparticle tracking analysis. Results show that the diffusivity of nanoparticles is affected by their dimensions, medium viscosity, and, in particular, the specific interactions between nanoparticles and the macromolecules in solution; strong attractive interactions such as hydrogen bonding hamper diffusion. The water-soluble polymers retarded the diffusion of thiolated particles in the order PEO > PVP > PAA > HEC whereas for PEGylated silica particles retardation followed the order PAA > PVP = HEC > PEO. In the absence of specific interactions with the medium, PEGylated nanoparticles exhibit enhanced mobility compared to their thiolated counterparts despite some increase in their dimensions.