866 resultados para Bank in Glarus.
Resumo:
This research was originally undertaken to aid the Jamaican government and the World Bank in making funding decisions relative to improvement of road systems and traffic control in Jamaica. An investigation of the frequency and causes of road accidents and an evaluation of their impact on the Jamaican economy were carried out, and a model system which might be applied was developed. It is believed that the importance of road accident economic and manpower losses to the survival of developing countries, such as Jamaica, cannot be overemphasized. It is suggested that the World Bank, in cooperation with national governments, has a role to play in alleviating this serious problem. Data was collected from such organizations as the Jamaica Ministry of Construction, Police Department, the World Bank, and the World Health Organization. A variety of methodologies were utilized to organize this data in useful and understandable forms. The most important conclusion of this research is that solvable problems in road systems and in traffic control result in the unnecessary loss of useful citizens, in both developed and developing countries. However, a lack of information and understanding regarding the impact of high rates of road accident death and injury on the national economy and stability of a country results in an apparent lack of concern. Having little internal expertise in the field of road accident prevention, developing countries usually hire consultants to help them address this problem. In the case of Jamaica, this practice has resulted in distrust and hard feelings between the Jamaican authorities and major organizations involved in the field. Jamaican officials have found confusing the recommendations of most experts contracted to study traffic safety. The attempts of foreign consultants to utilize a technological approach (the use of coding systems and computers), methods which do not appear cost-effective for Jamaica, have resulted in the expenditure of limited funds for studies which offer no feasible approach to the problem. This funding limitation, which hampers research and road improvement, could be alleviated by such organizations as the World Bank. The causes of high accident rates are many, it was found. Formulation of a plan to address this serious problem must take into account the current failure to appreciate the impact of a high level of road accidents on national economy and stability, inability to find a feasible approach to the problem, and inadequate funding. Such a plan is discussed in detail in the main text of this research.
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The spatial and temporal distribution of modern diatom assemblages in surface sediments, on the most dominant macrophytes, and in the water column at 96 locations in Florida Bay, Biscayne Bay and adjacent regions were examined in order to develop paleoenvironmental prediction models for this region. Analyses of these distributions revealed distinct temporal and spatial differences in assemblages among the locations. The differences among diatom assemblages living on subaquatic vegetation and sediments, and in the water column were significant. Because concentrations of salts, total phosphorus (WTP), total nitrogen (WTN) and total organic carbon (WTOC) are partly controlled by water management in this region, diatom-based models were produced to assess these variables. Discriminant function analyses showed that diatoms can also be successfully used to reconstruct changes in the abundance of diatom assemblages typical for different habitats and life habits. ^ To interpret paleoenvironmental changes, changes in salinity, WTN, WTP and WTOC were inferred from diatoms preserved in sediment cores collected along environmental gradients in Florida Bay (4 cores) and from nearshore and offshore locations in Biscayne Bay (3 cores). The reconstructions showed that water quality conditions in these estuaries have been fluctuating for thousands of years due to natural processes and sea-level changes, but almost synchronized shifts in diatom assemblages occurred in the mid-1960’s at all coring locations (except Ninemile Bank and Bob Allen Bank in Florida Bay). These alterations correspond to the major construction of numerous water management structures on the mainland. Additionally, all the coring sites (except Card Sound Bank, Biscayne Bay and Trout Cove, Florida Bay) showed decreasing salinity and fluctuations in nutrient levels in the last two decades that correspond to increased rainfall in the 1990’s and increased freshwater discharge to the bays, a result of increased freshwater deliveries to the Everglades by South Florida Water Management District in the 1980’s and 1990’s. Reconstructions of the abundance of diatom assemblages typical for different habitats and life habits revealed multiple sources of diatoms to the coring locations and that epiphytic assemblages in both bays increased in abundance since the early 1990’s. ^
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Coastal ecosystems around the world are constantly changing in response to interacting shifts in climate and land and water use by expanding human populations. The development of agricultural and urban areas in South Florida significantly modified its hydrologic regime and influenced rates of environmental change in wetlands and adjacent estuaries. This study describes changes in diatom species composition through time from four sediment cores collected across Florida Bay, for the purposes of detecting periods of major shifts in assemblage structure and identifying major drivers of those changes. We examined the magnitude of diatom assemblage change in consecutive 2-cm samples of the 210Pb-dated cores, producing a record of the past ~130 years. Average assemblage dissimilarity among successive core samples was ~30%, while larger inter-sample and persistent differences suggest perturbations or directional shifts. The earliest significant compositional changes occurred in the late 1800s at Russell Bank, Bob Allen Bank and Ninemile Bank in the central and southwestern Bay, and in the early 1900s at Trout Cove in the northeast. These changes coincided with the initial westward redirection of water from Lake Okeechobee between 1881 and 1894, construction of several canals between 1910 and 1915, and building the Florida Overseas Railroad between 1906 and 1916. Later significant assemblage restructurings occurred in the northeastern and central Bay in the late 1950s, early 1960s and early 1970s, and in the southwestern Bay in the 1980s. These changes coincide with climate cycles driving increased hurricane frequency in the 1960s, followed by a prolonged dry period in the 1970s to late 1980s that exacerbated the effects of drainage operations in the Everglades interior. Changes in the diatom assemblage structure at Trout Cove and Ninemile Bank in the 1980s correspond to documented eutrophication and a large seagrass die-off. A gradual decrease in the abundance of freshwater to brackish water taxa in the cores over ~130 years implies that freshwater deliveries to Florida Bay were much greater prior to major developments on the mainland. Salinity, which was quantitatively reconstructed at these sites, had the greatest effect on diatom communities in Florida Bay, but other factors—often short-lived, natural and anthropogenic in nature—also played important roles in that process. Studying the changes in subfossil diatom communities over time revealed important environmental information that would have been undetected if reconstructing only one water quality variable.
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At a longtime station near the "Grosse Meteor Bank" in the North Atlantic 41 subsequent hauls were made in April 1967 with the Helgoland larva net with changing bucket device. In addition 9 hauls were made during July 1967. The catches from the depth ranges of 900-700 m, 700-500 m, 500-300 m, 300-200 m, 200-100 m, and 100-0 m were collected in separate buckets during each catch series. Contamination, though possible on principle, does not seem to be of much consequence in appendicularia. After some comments on certain species caught it is shown that at this station in the open ocean the density of appendicularia not only varies with the season, but that clouds of plankton may pass by it within a few hours, in which the density may vary at a ratio of ten or more to one. In the composition of species as many as four species may in turn be the most abundant. For one species the composition as to size and stage of maturity may change in the same way. Regarding the depth distribution there are no species restricted to deeper layers. Below 100 m the number falls to about 1 % of the uppermost layer. Oikopkura longicauda, O. cophocerca, O.parva and Althoffia tumida as well as Fritillaria species are found between 900 and 100 m in comparatively higher numbers than Stegosoma magnum, Oikopleura albicans and O. intermedia. The Chaetognaths were collected in the depth of 900-0 m in vertical hauls with the Helgoland larva net with changing bucket device; buckets had been changed in the depth of 700, 500, 300, 200,1 00 m. In the course of the investigation it appeared that for Chaetognaths the sampling method with changing bucket device is insufficient. Many specimens remained in the net and entered the bucket at a higher level than that in which they had lived, mostly during flushing the net (sample 100-0 m); this means considerable contamination. In spite of this difficulty deep layers of higher abundance could be traced for Sagitta lyra and some other species. For some species large local variations in the number of specimens within a short time were found. Moreover notes have been made of foodorganisms, parasits and anatornic metamorphoses during maturing.
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With an extension of > 40 km**2 the recently discovered Campeche cold-water coral province located at the northeastern rim of the Campeche Bank in the southern Gulf of Mexico belongs to the largest coherent cold-water coral areas discovered so far. The Campeche province consists of numerous 20-40 m-high elongated coral mounds that are developed in intermediate water depths of 500 to 600 m. The mounds are colonized by a vivid cold-water coral ecosystem that covers the upper flanks and summits. The rich coral community is dominated by the framework-building Scleractinia Enallopsammia profunda and Lophelia pertusa, while the associated benthic megafauna shows a rather scarce occurrence. The recent environmental setting is characterized by a high surface water production caused by a local upwelling center and a dynamic bottom-water regime comprising vigorous bottom currents, obvious temporal variability, and strong density contrasts, which all together provide optimal conditions for the growth of cold-water corals. This setting - potentially supported by the diel vertical migration of zooplankton in the Campeche area - controls the delivering of food particles to the corals. The Campeche cold-water coral province is, thus, an excellent example highlighting the importance of the oceanographic setting in securing the food supply for the development of large and vivid cold-water coral ecosystems.
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In September 2010, Brazil’s Finance Minister, Guido Mantega, used the term “currency war” with reference to monetary policies implemented by different countries to generate an artificial devaluation of their currency and achieve a cheaper, more competitive domestic economy that may be attractive to foreign investors. Similar cases have been documented since the 1930s Great Depression, when several countries abandoned the gold standard as backing for their currencies. More recently, a large-scale asset purchase by Japan’s Central Bank in 2013 was singled out as a strategy aimed at generating devaluation of the yen. This research uses statistics of new business formation density reported by Doing Business for 30 emerging countries in the period 2004-2011 to evaluate the impact of devaluation measured by the behavior of the real effective exchange rate (REER) on the rate of new business formation (NBF). It is determined how variables associated with competitiveness affect the relationship between devaluation and business formation. Results show that devaluation has a positive effect on NBF in the short term, which gets diluted in the long term. Countries with greater competitiveness have less dependence on devaluation to increase the number of businesses.
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Repercussions of innovation adoption and diffusion studies have long been imperative to the success of novel introductions. However, perceptions and deductions of current innovation understandings have been changing over time. The paradigm shift from the goods-dominant (G-D) logic to the service-dominant (S-D) logic potentially makes the distinction between product (goods) innovation and service innovation redundant as the S-D logic lens views all innovations as service innovations (Vargo and Lusch, 2004; 2008; Lusch and Nambisan, 2015). From this perspective, product innovations are in essence service innovations, as goods serve as mere distribution mechanisms to deliver service. Nonetheless, the transition to such a broadened and transcending view of service innovation necessitates concurrently a change in the underlying models used to investigate innovation and its subsequent adoption. The present research addresses this gap by engendering a novel model for the most crucial period of service diffusion within the S-D logic context – the post-initial adoption phase, which demarcates an individual’s behavior after the initial adoption decision of a service. As a wellfounded understanding of service diffusion and the complementary innovation adoption still lingers in its infancy, the current study develops a model based on interdisciplinary domains mapping. Here fore, knowledge of the relatively established viral source domain is mapped to the comparatively undetermined target domain of service innovation adoption. To assess the model and test the importance of the explanatory variables, survey data from 750 respondents of a bank in Northern Germany is scrutinized by means of Structural Equation Modeling (SEM). The findings reveal that the continuance intention of a customer, actual usage of the service and the customer influencer value all constitute important postinitial adoption behavior that have meaningful implications for a successful service adoption. Second, the four constructs customer influencer value, organizational commitment, perceived usefulness and service customization are evidenced to have a differential impact on a iv customer’s post-initial adoption behavior. Third, this study indicates that post-initial adoption behavior further underlies the influence of a user’s age and besides that is also provoked by the internal and external environments of service adoption. Finally, this research amalgamates the broad view of service innovation by Nambisan and Lusch (2015) with the findings ensuing this enquiry’s model to arrive at a framework that it both, generalizable and practically applicable. Implications for academia and practitioners are captured along with avenues for future research.
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The buoyancy that the Indian economy experienced between 2000 and 2010, in spite of the global downturn of 2008, is no longer a reality. Growth projections for 2012-13 have been reassessed to 6.5 per cent. This is still higher than most other developed economies of the world (see Figure 1.1), however the growth rate is slowing. The World Bank in its recent forecasts1 expects India’s growth rates not to extend beyond 7.2 % and 7.4 % in the years 2013-14 and 2014-15, respectively. Similarly, the Planning Commission has scaled down the growth target for the 12th Five Year Plan (2012-17) from 9% to 8%. Different reports note different rates, but the consistent message is that the projection of India’s economy is on a downward trend...
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This paper describes a diode-clamped three-level inverter-based battery/supercapacitor direct integration scheme for renewable energy systems. The study is carried out for three different cases. In the first case, one of the two dc-link capacitors of the inverter is replaced by a battery bank and the other by a supercapacitor bank. In the second case, dc-link capacitors are replaced by two battery banks. In the third case, ordinary dc-link capacitors are replaced by two supercapacitor banks. The first system is supposed to mitigate both long-term and short-term power fluctuations while the last two systems are intended for smoothening long-term and short-term power fluctuations, respectively. These topologies eliminate the need for interfacing dc-dc converters and thus considerably improve the overall system efficiency. The major issue in aforementioned systems is the unavoidable imbalance in dc-link voltages. An analysis on the effects of unbalance and a space vector modulation method, which can produce undistorted current even in the presence of such unbalances, are presented in this paper. Furthermore, small vector selection-based power sharing and state of charge balancing techniques are proposed. Experimental results, obtained from a laboratory prototype, are presented to verify the efficacy of the proposed modulation and control techniques.
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This study compares Value-at-Risk (VaR) measures for Australian banks over a period that includes the Global Financial Crisis (GFC) to determine whether the methodology and parameter selection are important for capital adequacy holdings that will ultimately support a bank in a crisis period. VaR methodology promoted under Basel II was largely criticised during the GFC for its failure to capture downside risk. However, results from this study indicate that 1-year parametric and historical models produce better measures of VaR than models with longer time frames. VaR estimates produced using Monte Carlo simulations show a high percentage of violations but with lower average magnitude of a violation when they occur. VaR estimates produced by the ARMA GARCH model also show a relatively high percentage of violations, however, the average magnitude of a violation is quite low. Our findings support the design of the revised Basel II VaR methodology which has also been adopted under Basel III.
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This report presents a new theory of internal marketing. The thesis has developed as a case study in retrospective action research. This began with the personal involvement of the author in an action research project for customer service improvement at a large Australian retail bank. In other words, much of the theory generating ‘research’ took place after the original project ‘action’ had wound down. The key theoretical proposition is that internal marketing is a relationship development strategy for the purpose of knowledge renewal. In the banking case, exchanges of value between employee participants emerged as the basis for relationship development, with synergistic benefits for customers, employees and the bank. Relationship development turned out to be the mediating variable between the learning activity of employee participants at the project level and success in knowledge renewal at the organisational level. Relationship development was also a pivotal factor in the motivation and customer consciousness of employees. The conclusion reached is that the strength of relationship-mediated internal marketing is in combining a market focused commitment and employee freedom in project work to achieve knowledge renewal. The forgotten truth is that organisational knowledge can be renewed through dialogue and learning, through being trustworthy, and by gaining the trust of employees in return.
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O objetivo deste trabalho foi avaliar o efeito do selamento dentinário imediato na cimentação definitiva de restaurações cerâmicas (Empress2Ivoclar Vivadent), levando em consideração a influência de diferentes métodos de remoção dos restos de cimento provisório da superfície dentinária previamente selada. Para isso foram utilizados 72 molares, hígidos, conseguidos no banco de dentes da Universidade do Estado do Rio de Janeiro. Os dentes foram divididos em nove grupos, os três primeiros serviram como grupo controle, onde não houve contaminação com nenhum cimento provisório, sendo eles: G1, onde o selamento e a cimentação definitiva foram feitas 15 dias após a confecção dos preparos cavitários; G2, onde o selamento dentinário foi feito imediatamente após o preparo e a cimentação definitiva após 15 dias; G3, onde o preparo, selamento e cimentação definitiva foram feitos no mesmo momento. Os próximos grupos foram os do selamento tardio, onde o sistema adesivo foi aplicado somente no momento da cimentação. Nestes grupos, após o preparo foram cimentadas restaurações provisórias com um cimento livre de eugenol (Temp BondNE) e após 15 dias as restaurações provisórias foram removidas e os restos de cimento limpos com diferentes métodos: G4: remoção com instrumento manual; G5: remoção com jato de bicarbonato; G6: remoção com pontas de ultra-som; após esta limpeza o sistema adesivo foi aplicado e as restaurações cerâmicas cimentadas. Por último foram os grupos do selamento dentinário imediato, onde o sistema adesivo foi aplicado imediatamente após a confecção dos preparos cavitários e em seguida foi feita a cimentação das restaurações provisórias. Após 15 dias as restaurações provisórias foram removidas, os restos de cimento foram limpos com os diferentes métodos: G7: remoção com instrumento manual; G8: remoção com jato de bicarbonato; G9: remoção com pontas de ultra-som. Após a limpeza as restaurações cerâmicas foram cimentadas. Para todos os grupos o sistema adesivo utilizado foi o Optibond FL Kerr e o cimento resinoso foi o Rely X ARC3M/ESPE. Vinte e quatro horas após as cimentações cerâmicas os corpos de prova foram submetidos ao ensaio mecânico de push out em uma máquina de ensaios universais EMIC DL. Os valores de resistência de união foram obtidos em KgF, convertidos em MPa e analisados estatisticamente. O teste de ANOVA mostrou que houve diferença estatisticamente significante entre os grupos (p≤0,05) e em seguida o t-teste mostrou que a técnica do selamento imediato resultou nos melhores valores de resistência de união. Por último, o teste de comparações múltiplas Student-Newman-Keuls (Teste SNK) mostrou que o método de limpeza dos restos de cimento provisório da superfície dentinária apresenta influência na resistência de união das restaurações cerâmicas. Com base nos resultados pôde-se concluir que a técnica do selamento imediato promoveu maior resistência adesiva para as restaurações cerâmicas e quanto ao método de limpeza, o melhor resultado, independente da técnica adesiva utilizada, foi a remoção com as pontas de ultrasson.
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From 1979 to 1983, several surveys were carried out with research and fishing vessels at Sofala Bank in Mozambique. Their main objective was the assessment of shallow water prawn stocks, as this resource is of great economic importance for the country. A summary of the conclusions of these surveys regarding the species Penaeus indicus is presented. During the rainy season the species occurs closer to the shore than during the dry season. Estimates of biomass are very variable. The spawning peak seems to occur at the beginning of the rainy season (September-October). The spawning areas are located very close to the shore in the northern part of Sofala Bank and South of 17 degree 10'S in the 15-25 m depth interval.
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An intensive commercial hook-and-line fishing operation targeted the demersal fisheries resources at Saya de Malha Bank in the Southwest Indian Ocean. Fishing was conducted with 12 dories that were equipped with echo sounders and electric fishing reels and supported by a refrigerated mothership. Over a 13-day period in the 55–130 m depth range, a total of 74.3 metric tons (t) of fish were caught, of which the crimson jobfish (Pristipomoides filamentosus) represented 80%. Catch rates decreased with time and could not be attributed to changes in location, climatic conditions, fishing depth, fishing method, or bait type. The initial virgin biomass of P. filamentosus available to a line fishery at the North Western promontory of Saya de Malha Bank was estimated at 72.6 t through application of the Leslie model to daily catch and effort data. Biomass densities of 2364 kg/km2 and 1206 kg/km were obtained by applying the initial biomass estimates to the surface area and to the length of the dropoff that was fished. The potential sustainable yield prior to exploitation was estimated at 567 kg/km2 per year. The quantity of P. filamentosus caught by the mother-ship-dory fishing operation represented 82% of the initial biomass available to a hook-and-line fishery, equivalent to more that three times the estimated maximum sustainable yield. The results of the study are important to fisheries managers because they demonstrate that intensive line fishing operations have the potential to rapidly deplete demersal fisheries resources.
Resumo:
In July-August 1979 a first survey of Sofala Bank was carried out with shallow water prawn resources as the main objective. Some preliminary conclusions on the circulation in the Sofala Bank and the influence of the Zambezi River in this area were drawn. Analysis of catch rates and distribution of the different prawn species resulted in the division of Sofala Bank in 6 areas. Particular importance is given to the species Penaeus indicus and Metapenaeus monoceros which constitute 70-90% of catches in depths less than 25 m. The greatest concentrations of P. indicus are found very close to the shore, principally in an area north of Quelimane and another south of Angoche. At the time of the survey 40% of females of this species were in late maturing stages. The species M. monoceros is most abundant in depths greater than 15 m, with concentrations south of Zambezi River and in small areas near Pebane and Angoche.