The choice of banking firm : are the interest rate a significant criteria?

The objective of the research is to know the factors that in Spain determine the choice of banking organization. The obtained results indicate that the dimension of the network of branches is the reason more valued. In spite of the increasing symmetry of the Spanish banking market, the preferences of the clients of the savings banks and those of the banks are not absolutely coincident, being the proximity - the main reason for election- much more valued by the former than by the latter. The existence of divergences in the preferences has also been detected according to the region and the typology of city of residence

Europe Research Trip

This project is a Research trip that will give a group of 16 Embry-Riddle students the opportunity to gain a different perspective of the Aviation industry. This experience will encourage students to learn and analyze different points of view to successfully answer the following questions: What impact does the economic system of European countries, such as Germany and France, have on the development of an aviation company, for instance Airbus and Lufthansa, compared to the aviation companies in the US? Do students learn more from a real life experience than from listening to a lecture? The project is composed of a visit to major aviation companies, such as Airbus, Lufthansa, and Condor Flugdienst, in two different cities: Toulouse in France and Frankfurt in Germany, with the idea to have real-world exposure and be able to compare different viewpoints, expectations, and future projects. This trip will also show our student body that anything is possible if there is dedication and effort and that real life experience outside a lecture in a classroom is very important in a student’s education. To prove this last point, a survey will be used to measure learning during the trip. Students travelling will be tested before and after the trip and results will be compared to see how beneficial are these trips

Risk-tourism, risk-taking and subjective well-being: A review and synthesis

This paper seeks to conceptualize the potential relationship between subjective well-being and risk-taking within ‘risk-tourism’ i.e. specific activities that involve the potential for physical injury and death and require participants to develop competencies with which to overcome the risks associated with those activities. Literature is reviewed in three fields of inquiry: subjective well-being, with specific reference to the interactions between wellbeing and tourism behavior, risk-taking in tourism and risk-tourism. The areas of interaction between risk-tourism and subjective well-being, emerging critical questions and potential areas of future inquiry are subsequently examined

Multimèdia i educació artística : un model metodològic dels estudis de Magisteri en el marc de l'espai europeu d'educació superior

Aquest projecte consisteix en l'elaboració d'un arxiu amb material digital d'ampliació i suport a la docència presencial. Amb aquest material, es pretén fer una aportació metodològica per facilitar el treball autònom dels estudiants en l'adquisició de les seves competències professionals, en el sentit dels crèdits europeus ECTS. El material és específic per a l'assignatura Didàctica de les Arts Plàstiques I, troncal de cinc titulacions de la diplomatura de Magisteri. La majoria d'estudiants que fan aquests estudis no tenen una base de formació artística, per tant, s'ha estructurat el programa reforçant coneixements que es consideren essencials; per la qual cosa s'inclou la transmissió de conceptes teòrics, exercicis pràctics realitzats dins del taller, així com el desenvolupament de continguts bàsics per a l'aplicació didàctica de la matèria. Calia actualitzar, doncs, el material didàctic amb un format digital que permetés un nou diàleg amb les imatges i oferís als estudiants una dimensió interactiva, per tal de facilitar l'autoaprenentatge i el treball en equip, equilibrar les diferències de crèdits entre titulacions i facilitar l'atenció personalitzada a grups massa nombrosos.Este proyecto consiste en la elaboración de un archivo con material digital de ampliación y apoyo a la docencia presencial. Con este material, se pretende hacer una aportación metodológica por facilitar el trabajo autónomo de los estudiantes en la adquisición de sus competencias profesionales, en el sentido de los créditos europeos ECTS. El material es específico para la asignatura: Didáctica de las Artes Plásticas I. Es una asignatura troncal de cinco titulaciones de la diplomatura de Maestro. En su mayoría, los estudiantes que realizan estos estudios no tienen una base de formación artística, por lo tanto se ha estructurado el programa para reforzar conocimientos que se consideran esenciales; por ello se incluye la transmisión de conceptos teóricos, ejercicios prácticos realizados en el taller, así como el desarrollo de contenidos básicos para la aplicación didáctica de la materia. De modo que se debía actualizar el material didáctico con un formato digital que permitiera un nuevo diálogo con las imágenes y que ofreciera a los estudiantes una dimensión interactiva, para facilitar el autoaprendizaje y el trabajo en equipo, equilibrar las diferencias de créditos entre titulaciones y facilitar la atención personalizada de grupos demasiado numerosos.This project consists of developing an archive of digital material to expand on and support classroom teaching. With this material, the goal is to make a methodological contribution to facilitate students' independent learning in acquiring their professional competences within the framework of the European ECTS credits. This material is specific for the course Teaching the Fine Arts I, a core course in the five teacher training diploma programmes. Most of the students in these programmes have no background in artist training, so the syllabus has been organised to reinforce the knowledge that is regarded as essential. To this end, it has included the transmission theoretical concepts, practical exercises performed within a workshop, and the development of basic contents in order to apply this material in the classroom. Therefore, we had to update the teaching material in a digital format would make possible a new sort of dialogue with the images and offer students an interactive dimension to facilitate independent learning and teamwork, balance the differences in credits among the different diploma programmes and facilitate personalised attention in overly large groups

What if there was a stronger pharmaceutical price competition in Spain? When regulation has a similar effect to collusion

This paper examines statins competition in the Spanish pharmaceutical market, where prices are highly regulated, and simulates a situation in which there is unrestricted price competition. A nested logit demand model is estimated with a panel of monthly data for pharmaceuticals prescribed from 1997 to 2005. The simulation indicates that the regulation of prices is similar in its effects to cooperation among producers, since the regulated prices are close to those that would be observed in a scenario of perfect collusion. Freedom to set prices and a regulatory framework with appropriate incentives would result in a general reduction in prices and may make the current veiled competition in the form of discounts to pharmacists become more visible. The decrease in prices would be partially offset by an increase in consumption but the net effect would be an overall decrease in expenditure. The counterfactual set-up would also lead to important changes in the market shares of both manufacturers and active ingredients, and a reversal of generic drugs. Therefore, pro-competitive regulation would be welfare-enhancing but would imply winners and losers

Generic drugs in Spain : price competition vs. moral hazard

This paper examines competition between generic and brand-name drugs in the regulated Spanish pharmaceutical market. A nested logit demand model is specified for the three most consumed therapeutic subgroups in Spain: statins (anticholesterol), selective serotonin reuptake inhibitors (antidepressants) and proton pump inhibitors (antiulcers). The model is estimated with instrumental variables from a panel of monthly prescription data from 1999 to 2005. The dataset distinguishes between three different levels of patients' copayments within the prescriptions and the results show that the greater the level of insurance that the patient has (and therefore the lower the patient's copayment), the lower the proportion of generic prescriptions made by physicians. It seems that the low level of copayment has delayed the penetration of generics into the Spanish market. Additionally, the estimation of the demand model suggests that the substitution rules and promotional efforts associated with the reference pricing system have increased generic market share, and that being among the first generic entrants has an additional positive effect

Acció directa per millorar les condicions d'aprenentatge dels estudiants de primer. Curs de gramàtica descriptiva de l'anglès

Aquest projecte té com a objectiu principal millorar les condicions d'aprenentatge dels estudiants de dues assignatures troncals de primer curs de la titulació de Filologia Anglesa, Llengua Anglesa: Gramàtica Descriptiva I i Llengua Anglesa: Gramàtica Descriptiva II. En aquestes assignatures, els estudiants s'enfronten per primera vegada d'una manera sistemàtica i seriosa a la gramàtica d'una llengua estrangera, cosa que els resulta difícil. Per tal d'assolir aquest objectiu s'ha elaborat material d'estudi dissenyat específicament per als nostres estudiants (nivell de dificultat, temari cobert, comparació amb les llengües maternes). Aquest material s'ha plasmat en dos llibres de text, en una variada col·lecció d'exercicis (de diversos nivells de dificultat) i en una pàgina web interactiva. Tot això s'ha dut a terme amb una feina d'equip comptant amb un alt grau de cohesió i de coordinació, que ha permès assolir l'objectiu principal del projecte.Este proyecto tiene como objetivo principal mejorar las condiciones de aprendizaje de los estudiantes de dos asignaturas troncales de primer curso de la titulación de Filología Inglesa: Lengua Inglesa: Gramática Descriptiva I y Lengua Inglesa: Gramática Descriptiva II. En estas asignaturas, los estudiantes se enfrentan por primera vez de una manera sistemática y seria a la gramática de una lengua extranjera, cosa que les resulta difícil. Con el fin de alcanzar este objetivo se ha elaborado material de estudio diseñado específicamente para nuestros estudiantes (nivel de dificultad, temario cubierto, comparación con las lenguas maternas). Este material se ha plasmado en dos libros de texto, en una variada colección de ejercicios (con varios niveles de dificultad) y en una página web interactiva. Todo eso se ha llevado a cabo con un trabajo de equipo que cuenta con un alto grado de cohesión y de coordinación que ha permitido alcanzar el objetivo principal del proyecto.The primary goal of this project is to improve the learning conditions of students in two core courses in the first year of the degree programme in English Language and Literature, English Language: Descriptive Grammar I and II. In these courses, the students have to handle the grammar of a foreign language in a systematic, serious way for the first time, which proves difficult for them. In order to achieve this goal, study materials have been developed specifically for our students (level of difficulty, syllabus covered, comparison with native languages). This material has been compiled in two textbooks, in a varied collection of exercises (with differing levels of difficulty) and in an interactive website. All of this was accomplished with a working team with a great deal of cohesion and coordination, which has enabled us to achieve the main goal of the project

Selective inhibition of cancer cell self-renewal through a Quisinostat-histone H1.0 axis

Continuous cancer growth is driven by subsets of self-renewing malignant cells. Targeting of uncontrolled self-renewal through inhibition of stem cell-related signaling pathways has proven challenging. Here, we show that cancer cells can be selectively deprived of self-renewal ability by interfering with their epigenetic state. Re-expression of histone H1.0, a tumor-suppressive factor that inhibits cancer cell self-renewal in many cancer types, can be broadly induced by the clinically well-tolerated compound Quisinostat. Through H1.0, Quisinostat inhibits cancer cell self-renewal and halts tumor maintenance without affecting normal stem cell function. Quisinostat also hinders expansion of cells surviving targeted therapy, independently of the cancer types and the resistance mechanism, and inhibits disease relapse in mouse models of lung cancer. Our results identify H1.0 as a major mediator of Quisinostat's antitumor effect and suggest that sequential administration of targeted therapy and Quisinostat may be a broadly applicable strategy to induce a prolonged response in patients

Promoción de la participación y vigilancia ciudadana en educación : sistematización de la edición 2015 de los Diálogos Ciudadanos por la Educación

El documento se divide en cinco secciones. En la primera se hace un repaso de las normas en el Perú que promueven la participación ciudadana en educación en los últimos años y, a la luz de algunos estudios locales, los alcances que éstas han tenido. A partir de ello, se hará referencia a algunas propuestas que cuestionan la idea de moldear la participación ciudadana en educación a través de instancias oficiales y que sugieren una nueva forma de promoverla, siendo otros los acuerdos sociales que han de lograrse para generar una participación real, activa y comprometida. En la segunda se explica cómo se generó la propuesta de DCE, cómo se seleccionaron las regiones y contrapartes con las que trabajamos en el 2015 y describiremos brevemente el proceso. En la tercera sección relataremos lecciones y aprendizajes logrados en el proceso, tanto en su fase de diseño como en su implementación, buscando resaltar aquellos que son comunes a todas las experiencias y reconocer aquellos particulares a alguna de ellas. En la cuarta se discute los resultados en función a los objetivos centrales y finalmente, en la quinta, propone algunas consideraciones para futuros procesos de DCE

Non-thermal emission processes in massive binaries

In this paper, I present a general discussion of several astrophysical processes likely to play a role in the production of non-thermal emission in massive stars, with emphasis on massive binaries. Even though the discussion will start in the radio domain where the non-thermal emission was first detected, the census of physical processes involved in the non-thermal emission from massive stars shows that many spectral domains are concerned, from the radio to the very high energies. First, the theoretical aspects of the non-thermal emission from early-type stars will be addressed. The main topics that will be discussed are respectively the physics of individual stellar winds and their interaction in binary systems, the acceleration of relativistic electrons, the magnetic field of massive stars, and finally the non-thermal emission processes relevant to the case of massive stars. Second, this general qualitative discussion will be followed by a more quantitative one, devoted to the most probable scenario where non-thermal radio emitters are massive binaries. I will show how several stellar, wind and orbital parameters can be combined in order to make some semi-quantitative predictions on the high-energy counterpart to the non-thermal emission detected in the radio domain. These theoretical considerations will be followed by a census of results obtained so far, and related to this topic... (see paper for full abstract)Comment: 47 pages, 5 postscript figures, accepted for publication in Astronomy and Astrophysics Review. Astronomy and Astrophysics Review, in pres