A patient with fatal cold haemagglutinins

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A Numerical Wave Model for the Refraction and Diffraction of Irregular Waves. Part II: Numerical Experiments of the Wave Model CREON

The numerical wave model CREON is developed to predict the propagation and transformation of wave properties in shallow water. In Gao et al. (1993), which is referred to as Part I in the following, a description is given of the theoretical and numerical treatment of the model. In the present report, we present various computational results. The model is applied to wave penetration behind breakwaters, to evaluate the combined effects of wave diffraction and directional spreading. The performance of the model in moving media such as currents is tested. The results of the model in case of a jetlike flow are discussed based upon the concept of ray theory. An extensive numerical investigation is carried out for the combined current-depth refraction in the tidal inlet of Texel. To assess the applicability to waves in a coastal area, two hindcasts are carried out in the Rhine estuary Haringvliet, where well-documented wave data are available for comparison. The model has a wide range of applicability and the test results show that the model has a reasonably good performance in various situations. However, results of a comparison with the spectral models HISWA and SWAN in the tidal inlet of Texel show much lower wave heights in the CREON computations. No simple explanation could be found for this behaviour, and field data are needed to verify the various computational results.Hydr

Peer To Peer lending in Sweden : A comparative study between bank lending and Peer To Peer lending in the Swedish consumer credit market

Background: Peer to peer lending has in recent years emerged and become a popular way to borrow money, mostly in the US and the UK. Since the first company was established in 2005, several competitors have emerged, and P2P lending has grown on average by 84 % quarterly between the second quarter year 2007 and the second quarter year 2014 in the US. Lending Club, which is the largest player within P2P-lending, has since its start in 2008 carried loans of a total value of six billions USD. Aim: The purpose of the study is to identify and analyze P2P lending and its preconditions to operate on the Swedish consumer credit market. Completion: A qualitative approach was selected where the empirical data partly consist of primary data collected through interviews and partly of secondary data in the form of a literature study on P2P lending. The empirical data lays ground for a comparative institutional analysis in which the transaction costs of P2P lending is compared to traditional bank lending. Conclusion: The study shows that P2P lending in Sweden have higher transaction costs than traditional bank lending. The main reason for this is the uncertainty associated with P2P lending in the current situation. However, the study shows that P2P lending through technological innovation can maintain lower transaction costs in the assessment of a specific borrower's repayment capacity. For the concept to grow, society’s knowledge about P2P lending needs to increase and the legal framework needs to be more clearly defined.Bakgrund: Peer to peer-utlåning har under de senaste åren vuxit fram och blivit ett populärt sätt att låna på, främst i USA och Storbritannien. Sedan den första aktören grundades år 2005 har flera aktörer vuxit fram och i USA har P2P-utlåningen vuxit med 84 % per kvartal i snitt mellan andra kvartalet år 2007 och andra kvartalet år 2014. Lending Club, som är den största aktören inom P2P-utlåning, har sedan starten år 2008 förmedlat lån till ett värde av totalt 6 miljarder USD. Syfte: Studiens syfte är att kartlägga och analysera P2P-utlåning och dess förutsättningar att bedriva verksamhet på den svenska konsumentkreditmarknaden. Genomförande: Ett kvalitativt tillvägagångssätt har valts där empirin dels består av primärdata som insamlats genom intervjuer och dels av sekundärdata i form av en litteraturstudie på P2P-utlåning. Empirin ligger till grund för en komparativ institutionell analys där transaktionskostnaderna för utlåning genom P2P jämförs med traditionell bankutlåning. Slutsats: Studien visar på att P2P-utlåning håller högre transaktionskostnader än traditionell bankutlåning. Den största anledningen till detta är den osäkerhet som är förknippad med P2P-utlåning i dagsläget. Dock visar studien på att P2P-utlåning, genom teknologisk innovation, kan hålla lägre transaktionskostnader i bedömningen av en specifik låntagares återbetalningsförmåga. För att konceptet ska växa krävs det att den allmänna kunskapen om P2P-utlåning ökar, samt att regelverket under vilket P2P-aktörerna verkar blir tydligare definierat

An\ue1lise comparativa da anatomia foliar de Melastomataceae em ambiente de vereda e cerrado sensu stricto

Este trabalho descreve a anatomia das lâminas foliares de três espécies de Melastomataceae, Lavoisiera bergii Cogn., Macairea radula (Bonpl.) DC. e Trembleya parviflora (D. Don) Cogn. que estão colonizando a zona alagável e aberta de fundo de vereda e de M. radula e T. parviflora que ocorrem no cerrado sensu stricto da Estação Ecológica de Águas Emendadas, Planaltina/DF. Os dados estruturais mostrados pelas três espécies indicam escleromorfia com características particulares a cada uma delas, como projeções nas células epidérmicas de L. bergii, diferentes tipos e localização de emergências formadas por esclereídes em L. bergii e M. radula, e evaginações na epiderme de T. parviflora. A caracterização anatômica das folhas de M. radula e T. parviflora não difere entre os ambientes. No entanto, as lâminas foliares dos indivíduos encontrados na vereda apresentaram plasticidade com valores significativamente (P< 0,05) maiores para espessura do mesofilo e do parênquima para massa foliar e massa foliar específica em relação aos indivíduos do cerrado sensu stricto. Esta relação é inversa para valores de área foliar específica. A capacidade de apresentar plasticidade estrutural, juntamente com a escleromorfia, pode ter sido relevante para o comportamento invasivo destas espécies na zona de fundo da vereda como destacado na discussão. Além deste ponto, o texto também apresenta uma breve discussão sobre outros aspectos relacionados à importância de estruturas anatômicas na taxonomia e ecologia destas espécies