An interval fuzzy model for magnetic monitoring: estimation of a pollution index

In this contribution, a methodology is reported in order to build an interval fuzzy model for the pollution index PLI (a composite index using relevant heavy metal concentration) with magnetic parameters as input variables. In general, modelling based on fuzzy set theory is designed to mimic how the human brain tends to classify imprecise information or data. The ??interval fuzzy model?? reported here, based on fuzzy logic and arithmetic of fuzzy numbers, calculates an ??estimation interval?? and seems to be an adequate mathematical tool for this nonlinear problem. For this model, fuzzy c-means clustering is used to partition data, hence the membership functions and rules are built. In addition, interval arithmetic is used to obtain the fuzzy intervals. The studied sets are different examples of pollution by different anthropogenic sources, in two different study areas: (a) soil samples collected in Antarctica and (b) road-deposited sediments collected in Argentina. The datasets comprise magnetic and chemical variables, and for both cases, relevant variables were selected: magnetic concentration-dependent variables, magnetic features-dependent variables and one chemical variable. The model output gives an estimation interval; its width depends on the data density, for the measured values. The results show not only satisfactory agreement between the estimation interval and data, but also provide valued information from the rules analysis that allows understanding the magnetic behaviour of the studied variables under different conditions.Fil: Chaparro, Mauro Alejandro Eduardo. Universidad Nacional del Centro de la Provincia de Buenos Aires. Facultad de Ciencias Exactas. Instituto Multidisciplinario de Ecosistemas y Desarrollo Sustentable; Argentina. Consejo Nacional de Investigaciones Científicas y Técnicas. Centro Científico Tecnológico Conicet - Tandil; ArgentinaFil: Chaparro, Marcos Adrián Eduardo. Universidad Nacional del Centro de la Provincia de Buenos Aires. Facultad de Ciencias Exactas. Instituto de Física Arroyo Seco; Argentina. Consejo Nacional de Investigaciones Científicas y Técnicas. Centro Científico Tecnológico Conicet - Tandil; ArgentinaFil: Sinito, Ana Maria. Universidad Nacional del Centro de la Provincia de Buenos Aires. Facultad de Ciencias Exactas. Instituto de Física Arroyo Seco; Argentina. Consejo Nacional de Investigaciones Científicas y Técnicas. Centro Científico Tecnológico Conicet - Tandil; Argentin

Magnetic parameters as proxies for anthropogenic pollution in water reservoir sediments from Mexico: an interdisciplinary approach

We assess the element pollution level of water reservoir sediments using environmental magnetism techniques as a novel approach. Although “La Purísima” Water Reservoir is an important source for multiple activities (e.g. recreational, fishing and agricultural) in Guanajuato state, it has been receiving for the last centuries a high load of pollutants by mining extraction, urbanization and land-use change from the Guanajuato Hydrological Basin. The analyses of environmental magnetism, geochemistry, X-ray energy dispersive spectroscopy, scanning electron microscopy and multivariate methods were applied to study sediments from the reservoir and basin. Accordingly, they indicate the presence of iron oxides (magnetite and hematite) and iron sulfides (pyrite and greigite), which evidences relevant differences in particle size and concentration within the water reservoir (median mass-specific magnetic susceptibility χ = 23.2 × 10−8 m3/kg), as well as with respect to the river basin sediments (median χ = 88.8 × 10−8 m3/kg). The highest enrichment factor EF values (median values of EF = 2–10 for As, Co, Ba, Cu, Cd, Ni and EF > 20 for S) are mainly associated with historical mining activities that have led to an enrichment of potentially toxic elements on these water reservoir sediments. We propose the use of concentration and grain size dependent magnetic parameters, i.e. χ, remanent magnetizations and anhysteretic ratios ARM/SIRM and χARM/χ, as proxies for Ba, Co, Cr, Ni, P and Pb pollution in these river and water reservoir sediments. Such parameters allow to evaluate this sedimentary environment, and similar ones, through useful and convenient proxies.Fil: Chaparro, Marcos Adrián Eduardo. Universidad Nacional del Centro de la Provincia de Buenos Aires. Centro de Investigaciones en Física e Ingeniería del Centro de la Provincia de Buenos Aires. - Consejo Nacional de Investigaciones Científicas y Técnicas. Centro Científico Tecnológico Conicet - Tandil. Centro de Investigaciones en Física e Ingeniería del Centro de la Provincia de Buenos Aires. - Provincia de Buenos Aires. Gobernación. Comisión de Investigaciones Científicas. Centro de Investigaciones en Física e Ingeniería del Centro de la Provincia de Buenos Aires; ArgentinaFil: Ramírez Ramírez, Margarita. Universidad de Guanajuato. División Ciencias de la Vida; MéxicoFil: Chaparro, Mauro Alejandro Eduardo. Consejo Nacional de Investigaciones Científicas y Técnicas; Argentina. Universidad Nacional de Mar del Plata. Facultad de Ciencias Exactas y Naturales. Departamento de Matemática; ArgentinaFil: Miranda Avilés, Raúl. Universidad de Guanajuato; MéxicoFil: Puy Alquiza, María Jesús. Universidad de Guanajuato; MéxicoFil: Böhnel, Harald N.. Universidad Nacional Autónoma de México. Centro de Geociencias; MéxicoFil: Zanor, Gabriela Ana. Universidad de Guanajuato. División Ciencias de la Vida; Méxic

Magnetic biomonitoring of airborne particles using lichen transplants over controlled exposure periods

Lichens are able to retain airborne pollution-derived particles in their thalli for a long time, and therefore, their use in assessing atmospheric pollution may be suitable and beneficial. In this study, we transplanted species of Parmotrema pilosum in bags and exposed them to atmospheric pollutants at different sites over the course of 1 year. The exposed lichen retained anthropogenic ferrimagnetic Fe oxides that were identified and characterized by environmental magnetism methods, X-ray diffraction analysis (XRD), Fourier transform infrared spectroscopy (FTIR), and scanning electron microscopy (SEM). The ubiquitous magnetite, released by metallurgical factories and vehicular sources, had small grain sizes (< 0.1–1 μm) falling in the range of harmful particulate matter PM2.5 and PM1.0. According to the anhysteretic ratios (χARM/χ, ARM/SIRM), magnetic grain size tends to increase (ratios decrease) over time. Concentration-dependent magnetic parameters evidenced the cumulative presence of anthropogenic magnetite-like particles which reached high values during the study period, increasing from an initial mass-specific magnetic susceptibility χ value (mean ± S.D.) of 24.1 ± 5.0 × 10−8 m3 kg−1 to higher values up to 51.2 ± 23.0 × 10−8 m3 kg−1. Joint analysis of meteorological data and magnetic susceptibility indicated a magnetic enhancement (χ/χinitial) during the austral winter season when mean temperatures were lower; moreover, relative decreases in χ values after rainy periods are observed. This simple and low-cost methodology allowed us to study, in controlled exposure periods of 1–11 months, the ability of transplanted lichens to retain fine and ultrafine airborne particles that may have impacts on human health.Fil: Marié, Débora Carolina. Universidad Nacional del Centro de la Provincia de Buenos Aires. Centro de Investigaciones en Física e Ingeniería del Centro de la Provincia de Buenos Aires. - Consejo Nacional de Investigaciones Científicas y Técnicas. Centro Científico Tecnológico Conicet - Tandil. Centro de Investigaciones en Física e Ingeniería del Centro de la Provincia de Buenos Aires. - Provincia de Buenos Aires. Gobernación. Comisión de Investigaciones Científicas. Centro de Investigaciones en Física e Ingeniería del Centro de la Provincia de Buenos Aires; ArgentinaFil: Chaparro, Marcos Adrián Eduardo. Universidad Nacional del Centro de la Provincia de Buenos Aires. Centro de Investigaciones en Física e Ingeniería del Centro de la Provincia de Buenos Aires. - Consejo Nacional de Investigaciones Científicas y Técnicas. Centro Científico Tecnológico Conicet - Tandil. Centro de Investigaciones en Física e Ingeniería del Centro de la Provincia de Buenos Aires. - Provincia de Buenos Aires. Gobernación. Comisión de Investigaciones Científicas. Centro de Investigaciones en Física e Ingeniería del Centro de la Provincia de Buenos Aires; ArgentinaFil: Sinito, Ana Maria. Universidad Nacional del Centro de la Provincia de Buenos Aires. Centro de Investigaciones en Física e Ingeniería del Centro de la Provincia de Buenos Aires. - Consejo Nacional de Investigaciones Científicas y Técnicas. Centro Científico Tecnológico Conicet - Tandil. Centro de Investigaciones en Física e Ingeniería del Centro de la Provincia de Buenos Aires. - Provincia de Buenos Aires. Gobernación. Comisión de Investigaciones Científicas. Centro de Investigaciones en Física e Ingeniería del Centro de la Provincia de Buenos Aires; ArgentinaFil: Lavat, Araceli Elisabet. Universidad Nacional del Centro de la Provincia de Buenos Aires. Centro de Investigaciones en Física e Ingeniería del Centro de la Provincia de Buenos Aires. - Consejo Nacional de Investigaciones Científicas y Técnicas. Centro Científico Tecnológico Conicet - Tandil. Centro de Investigaciones en Física e Ingeniería del Centro de la Provincia de Buenos Aires. - Provincia de Buenos Aires. Gobernación. Comisión de Investigaciones Científicas. Centro de Investigaciones en Física e Ingeniería del Centro de la Provincia de Buenos Aires; Argentin

Magnetic Biomonitoring Using Native Lichens: Spatial Distribution of Traffic-Derived Particles

Air pollution has become a subject of extensive study of several disciplines and it is identified as one of the most damaging factors for the ecosystem and human health. In urban areas, particle emission can be found in suspension and therefore a portion of them is inhalable for humans, or deposited on streets and several surfaces, including lichen’s thallus. We studied particulate matter (PM) (by traffic emission) accumulated in native lichens Parmotrema pilosum in order to carry out a magnetic biomonitoring over 2016 and 2017. For this purpose, the environmental magnetism method was complemented with inductively coupled plasma optical emission spectrometry, scanning electron microscopy, and geostatistical methods. The accumulated iron oxides on lichen’s thallus include potential toxic elements, such as Ba, Cr, Ni, and V. Fe-rich particles related to vehicle emissions correspond to (ultra)fine magnetite of inhalable sizes (PM2.5). Our results indicate a relation between concentration of magnetic particles and areas with high traffic, as well as the influence of rainfall on magnetic PM records. Magnetic biomonitoring is validated as a low-cost and complementary methodology to determine levels of air magnetic PM pollution in cities.Fil: Gomez, Rocio Quimey. Universidad Nacional del Centro de la Provincia de Buenos Aires. Centro de Investigaciones en Física e Ingeniería del Centro de la Provincia de Buenos Aires. - Consejo Nacional de Investigaciones Científicas y Técnicas. Centro Científico Tecnológico Conicet - Tandil. Centro de Investigaciones en Física e Ingeniería del Centro de la Provincia de Buenos Aires. - Provincia de Buenos Aires. Gobernación. Comisión de Investigaciones Científicas. Centro de Investigaciones en Física e Ingeniería del Centro de la Provincia de Buenos Aires; ArgentinaFil: Chaparro, Marcos Adrián Eduardo. Universidad Nacional del Centro de la Provincia de Buenos Aires. Centro de Investigaciones en Física e Ingeniería del Centro de la Provincia de Buenos Aires. - Consejo Nacional de Investigaciones Científicas y Técnicas. Centro Científico Tecnológico Conicet - Tandil. Centro de Investigaciones en Física e Ingeniería del Centro de la Provincia de Buenos Aires. - Provincia de Buenos Aires. Gobernación. Comisión de Investigaciones Científicas. Centro de Investigaciones en Física e Ingeniería del Centro de la Provincia de Buenos Aires; ArgentinaFil: Chaparro, Mauro Alejandro Eduardo. Universidad Nacional del Centro de la Provincia de Buenos Aires. Centro de Investigaciones en Física e Ingeniería del Centro de la Provincia de Buenos Aires. - Consejo Nacional de Investigaciones Científicas y Técnicas. Centro Científico Tecnológico Conicet - Tandil. Centro de Investigaciones en Física e Ingeniería del Centro de la Provincia de Buenos Aires. - Provincia de Buenos Aires. Gobernación. Comisión de Investigaciones Científicas. Centro de Investigaciones en Física e Ingeniería del Centro de la Provincia de Buenos Aires; ArgentinaFil: Castañeda Miranda, Ana Gabriela. Universidad Nacional del Centro de la Provincia de Buenos Aires. Centro de Investigaciones en Física e Ingeniería del Centro de la Provincia de Buenos Aires. - Consejo Nacional de Investigaciones Científicas y Técnicas. Centro Científico Tecnológico Conicet - Tandil. Centro de Investigaciones en Física e Ingeniería del Centro de la Provincia de Buenos Aires. - Provincia de Buenos Aires. Gobernación. Comisión de Investigaciones Científicas. Centro de Investigaciones en Física e Ingeniería del Centro de la Provincia de Buenos Aires; ArgentinaFil: Marié, Débora Carolina. Universidad Nacional del Centro de la Provincia de Buenos Aires. Centro de Investigaciones en Física e Ingeniería del Centro de la Provincia de Buenos Aires. - Consejo Nacional de Investigaciones Científicas y Técnicas. Centro Científico Tecnológico Conicet - Tandil. Centro de Investigaciones en Física e Ingeniería del Centro de la Provincia de Buenos Aires. - Provincia de Buenos Aires. Gobernación. Comisión de Investigaciones Científicas. Centro de Investigaciones en Física e Ingeniería del Centro de la Provincia de Buenos Aires; ArgentinaFil: Gargiulo, José Daniel. Universidad Nacional del Centro de la Provincia de Buenos Aires. Centro de Investigaciones en Física e Ingeniería del Centro de la Provincia de Buenos Aires. - Consejo Nacional de Investigaciones Científicas y Técnicas. Centro Científico Tecnológico Conicet - Tandil. Centro de Investigaciones en Física e Ingeniería del Centro de la Provincia de Buenos Aires. - Provincia de Buenos Aires. Gobernación. Comisión de Investigaciones Científicas. Centro de Investigaciones en Física e Ingeniería del Centro de la Provincia de Buenos Aires; ArgentinaFil: Bohnel, H.. Universidad Nacional Autónoma de México; Méxic

Fine air pollution particles trapped by street tree barks: In situ magnetic biomonitoring

Particulate air pollution in cities comprises a variety of harmful compounds, including fine iron rich particles, which can persist in the air for long time, increasing the adverse exposure of humans and living things to them. We studied street tree (among other species, Cordyline australis, Fraxinus excelsior and F. pensylvanica) barks as biological collectors of these ubiquitous airborne particles in cities. Properties were determined by the environmental magnetism method, inductively coupled plasma optical emission spectrometry and scanning electron microscopy, and analyzed by geostatistical methods. Trapped particles are characterized as low-coercivity (mean ± s.d. value of remanent coercivity Hcr = 37.0 ± 2.4 mT) magnetite-like minerals produced by a common pollution source identified as traffic derived emissions. Most of these Fe rich particles are inhalable (PM2.5), as determined by the anhysteretic ratio χARM/χ (0.1–1 μm) and scanning electron microscopy (<1 μm), and host a variety of potentially toxic elements (Cr, Mo, Ni, and V). Contents of magnetic particles vary in the study area as observed by magnetic proxies for pollution, such as mass specific magnetic susceptibility χ (18.4–218 × 10−8 m3 kg−1) and in situ magnetic susceptibility κis (0.2–20.2 × 10−5 SI). The last parameter allows us doing in situ magnetic biomonitoring, being convenient because of species preservation, measurement time, and fast data processing for producing prediction maps of magnetic particle pollution. “magnetic biomonitoring using street tree bark is convenient because of measurement time and fast data processing for producing maps of particle air pollution”.Fil: Chaparro, Marcos Adrián Eduardo. Universidad Nacional del Centro de la Provincia de Buenos Aires. Centro de Investigaciones en Física e Ingeniería del Centro de la Provincia de Buenos Aires. - Consejo Nacional de Investigaciones Científicas y Técnicas. Centro Científico Tecnológico Conicet - Tandil. Centro de Investigaciones en Física e Ingeniería del Centro de la Provincia de Buenos Aires. - Provincia de Buenos Aires. Gobernación. Comisión de Investigaciones Científicas. Centro de Investigaciones en Física e Ingeniería del Centro de la Provincia de Buenos Aires; ArgentinaFil: Chaparro, Mauro Alejandro Eduardo. Universidad Nacional de Mar del Plata. Facultad de Cs.exactas y Naturales. Centro Marplatense de Investigaciones Matematicas.; Argentina. Consejo Nacional de Investigaciones Científicas y Técnicas; ArgentinaFil: Castañeda Miranda, Ana Gabriela. Universidad Nacional del Centro de la Provincia de Buenos Aires. Centro de Investigaciones en Física e Ingeniería del Centro de la Provincia de Buenos Aires. - Consejo Nacional de Investigaciones Científicas y Técnicas. Centro Científico Tecnológico Conicet - Tandil. Centro de Investigaciones en Física e Ingeniería del Centro de la Provincia de Buenos Aires. - Provincia de Buenos Aires. Gobernación. Comisión de Investigaciones Científicas. Centro de Investigaciones en Física e Ingeniería del Centro de la Provincia de Buenos Aires; ArgentinaFil: Marié, Débora Carolina. Universidad Nacional del Centro de la Provincia de Buenos Aires. Centro de Investigaciones en Física e Ingeniería del Centro de la Provincia de Buenos Aires. - Consejo Nacional de Investigaciones Científicas y Técnicas. Centro Científico Tecnológico Conicet - Tandil. Centro de Investigaciones en Física e Ingeniería del Centro de la Provincia de Buenos Aires. - Provincia de Buenos Aires. Gobernación. Comisión de Investigaciones Científicas. Centro de Investigaciones en Física e Ingeniería del Centro de la Provincia de Buenos Aires; ArgentinaFil: Gargiulo, José Daniel. Universidad Nacional del Centro de la Provincia de Buenos Aires. Centro de Investigaciones en Física e Ingeniería del Centro de la Provincia de Buenos Aires. - Consejo Nacional de Investigaciones Científicas y Técnicas. Centro Científico Tecnológico Conicet - Tandil. Centro de Investigaciones en Física e Ingeniería del Centro de la Provincia de Buenos Aires. - Provincia de Buenos Aires. Gobernación. Comisión de Investigaciones Científicas. Centro de Investigaciones en Física e Ingeniería del Centro de la Provincia de Buenos Aires; ArgentinaFil: Lavornia, Juan Manuel. Consejo Nacional de Investigaciones Científicas y Técnicas; Argentina. Universidad Nacional de Tierra del Fuego, Antártida e Islas del Atlántico Sur. Instituto de Ciencias Polares, Ambientales y Recursos Naturales; ArgentinaFil: Natal, Marcela Liliana. Universidad Nacional de Mar del Plata. Facultad de Cs.exactas y Naturales. Centro Marplatense de Investigaciones Matematicas.; ArgentinaFil: Böhnel, Harald N.. Universidad Nacional Autónoma de México. Centro de Geociencias; Méxic

A high resolution paleoclimate record for the last 4800 cal. years B.P. on Lake La Brava SE Pampa plains, Argentina

Climatic changes are reflected in variations of different parameters. Sequences of lake sediments are good sources of this information because they provide continuous and detailed records of palaeoclimatic changes. In order to determine the changes in climate in SE Pampas plain,in this paper we present a series of rock magnetic studies performed on a bottom core collected from Lake La Brava (Argentina). In order to establish lake level variations, we also measure total sulphur, organic and inorganic carbon (TS, TOC and TIC) content,alkaline elements, light and heavy metals and changes in vegetation communities. Five radiocarbon age determinations were made from samples of organic-rich clay and calibrated ages were calculated. The averaged sediment accumulation rate is 1.3 mm/yr and the sequence represents a temporal extent of about 4800 calibrated years before the present (cal. BP). The main aim was to reconstruct the hydrological balance of the lake, the changes in erosional strength and sediment supply within the catchment area since the Middle Holocene, and to explore the extent to which these may be linked to changes in climate and/or human activities.The results of this work and previous studies suggest periodic changes from cooler to warmer and humid conditions. Relationships between submerged and emergent plants are consistent with the behaviour of magnetic susceptibility.TOC changes suggest wet environment during magnetic enhancement. Floods and lower lake level events were identified in detail. Changes in sediment contribution and depositional processes for the last 50 cal. BP are caused by human impact, particularly by the use of natural resources.Fil: Irurzun, Maria Alicia. Consejo Nacional de Investigaciones Científicas y Técnicas. Centro Científico Tecnológico Tandil; Argentina. Universidad Nacional del Centro de la Provincia de Buenos Aires. Facultad de Ciencias Exactas. Instituto de Fisica Arroyo Seco; ArgentinaFil: Gogorza, Claudia Susana. Consejo Nacional de Investigaciones Científicas y Técnicas. Centro Científico Tecnológico Tandil. Centro de Investigaciones En Física E Ingeniería del Centro de la Provincia de Buenos Aires; Argentina. Universidad Nacional del Centro de la Provincia de Buenos Aires. Facultad de Ciencias Exactas. Instituto de Fisica Arroyo Seco; ArgentinaFil: Sinito, Ana Maria. Consejo Nacional de Investigaciones Científicas y Técnicas. Centro Científico Tecnológico Tandil; Argentina. Universidad Nacional del Centro de la Provincia de Buenos Aires. Facultad de Ciencias Exactas. Instituto de Fisica Arroyo Seco; ArgentinaFil: Chaparro, Marcos Adrián Eduardo. Consejo Nacional de Investigaciones Científicas y Técnicas. Centro Científico Tecnológico Tandil; Argentina. Universidad Nacional del Centro de la Provincia de Buenos Aires. Facultad de Ciencias Exactas. Instituto de Fisica Arroyo Seco; ArgentinaFil: Prieto, Aldo Raul. Consejo Nacional de Investigaciones Científicas y Técnicas. Centro Científico Tecnológico Mar del Plata. Instituto de Investigaciones Marinas y Costeras; ArgentinaFil: Laprida, Cecilia. Consejo Nacional de Investigaciones Científicas y Técnicas; Argentina. Universidad de Buenos Aires. Facultad de Ciencias Exactas y Naturales; ArgentinaFil: Lirio, Juan M.. Ministerio de Relaciones Exteriores, Comercio Interno y Culto. Dirección Nacional del Antártico. Instituto Antártico Argentino; ArgentinaFil: Navas, Ana M.. Consejo Superior de Investigaciones Cientificas; EspañaFil: Nuñez, Héctor. Ministerio de Relaciones Exteriores, Comercio Interno y Culto. Dirección Nacional del Antártico. Instituto Antártico Argentino; Argentin

Differential cross section measurements for the production of a W boson in association with jets in proton–proton collisions at √s = 7 TeV

Measurements are reported of differential cross sections for the production of a W boson, which decays into a muon and a neutrino, in association with jets, as a function of several variables, including the transverse momenta (pT) and pseudorapidities of the four leading jets, the scalar sum of jet transverse momenta (HT), and the difference in azimuthal angle between the directions of each jet and the muon. The data sample of pp collisions at a centre-of-mass energy of 7 TeV was collected with the CMS detector at the LHC and corresponds to an integrated luminosity of 5.0 fb[superscript −1]. The measured cross sections are compared to predictions from Monte Carlo generators, MadGraph + pythia and sherpa, and to next-to-leading-order calculations from BlackHat + sherpa. The differential cross sections are found to be in agreement with the predictions, apart from the pT distributions of the leading jets at high pT values, the distributions of the HT at high-HT and low jet multiplicity, and the distribution of the difference in azimuthal angle between the leading jet and the muon at low values.United States. Dept. of EnergyNational Science Foundation (U.S.)Alfred P. Sloan Foundatio

Penilaian Kinerja Keuangan Koperasi di Kabupaten Pelalawan

This paper describe development and financial performance of cooperative in District Pelalawan among 2007 - 2008. Studies on primary and secondary cooperative in 12 sub-districts. Method in this stady use performance measuring of productivity, efficiency, growth, liquidity, and solvability of cooperative. Productivity of cooperative in Pelalawan was highly but efficiency still low. Profit and income were highly, even liquidity of cooperative very high, and solvability was good

Juxtaposing BTE and ATE – on the role of the European insurance industry in funding civil litigation

One of the ways in which legal services are financed, and indeed shaped, is through private insurance arrangement. Two contrasting types of legal expenses insurance contracts (LEI) seem to dominate in Europe: before the event (BTE) and after the event (ATE) legal expenses insurance. Notwithstanding institutional differences between different legal systems, BTE and ATE insurance arrangements may be instrumental if government policy is geared towards strengthening a market-oriented system of financing access to justice for individuals and business. At the same time, emphasizing the role of a private industry as a keeper of the gates to justice raises issues of accountability and transparency, not readily reconcilable with demands of competition. Moreover, multiple actors (clients, lawyers, courts, insurers) are involved, causing behavioural dynamics which are not easily predicted or influenced. Against this background, this paper looks into BTE and ATE arrangements by analysing the particularities of BTE and ATE arrangements currently available in some European jurisdictions and by painting a picture of their respective markets and legal contexts. This allows for some reflection on the performance of BTE and ATE providers as both financiers and keepers. Two issues emerge from the analysis that are worthy of some further reflection. Firstly, there is the problematic long-term sustainability of some ATE products. Secondly, the challenges faced by policymakers that would like to nudge consumers into voluntarily taking out BTE LEI

Search for stop and higgsino production using diphoton Higgs boson decays

Results are presented of a search for a "natural" supersymmetry scenario with gauge mediated symmetry breaking. It is assumed that only the supersymmetric partners of the top-quark (stop) and the Higgs boson (higgsino) are accessible. Events are examined in which there are two photons forming a Higgs boson candidate, and at least two b-quark jets. In 19.7 inverse femtobarns of proton-proton collision data at sqrt(s) = 8 TeV, recorded in the CMS experiment, no evidence of a signal is found and lower limits at the 95% confidence level are set, excluding the stop mass below 360 to 410 GeV, depending on the higgsino mass