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

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

Severe early onset preeclampsia: short and long term clinical, psychosocial and biochemical aspects

Preeclampsia is a pregnancy specific disorder commonly defined as de novo hypertension and proteinuria after 20 weeks gestational age. It occurs in approximately 3-5% of pregnancies and it is still a major cause of both foetal and maternal morbidity and mortality worldwide1. As extensive research has not yet elucidated the aetiology of preeclampsia, there are no rational preventive or therapeutic interventions available. The only rational treatment is delivery, which benefits the mother but is not in the interest of the foetus, if remote from term. Early onset preeclampsia (<32 weeks’ gestational age) occurs in less than 1% of pregnancies. It is, however often associated with maternal morbidity as the risk of progression to severe maternal disease is inversely related with gestational age at onset2. Resulting prematurity is therefore the main cause of neonatal mortality and morbidity in patients with severe preeclampsia3. Although the discussion is ongoing, perinatal survival is suggested to be increased in patients with preterm preeclampsia by expectant, non-interventional management. This temporising treatment option to lengthen pregnancy includes the use of antihypertensive medication to control hypertension, magnesium sulphate to prevent eclampsia and corticosteroids to enhance foetal lung maturity4. With optimal maternal haemodynamic status and reassuring foetal condition this results on average in an extension of 2 weeks. Prolongation of these pregnancies is a great challenge for clinicians to balance between potential maternal risks on one the eve hand and possible foetal benefits on the other. Clinical controversies regarding prolongation of preterm preeclamptic pregnancies still exist – also taking into account that preeclampsia is the leading cause of maternal mortality in the Netherlands5 - a debate which is even more pronounced in very preterm pregnancies with questionable foetal viability6-9. Do maternal risks of prolongation of these very early pregnancies outweigh the chances of neonatal survival? Counselling of women with very early onset preeclampsia not only comprises of knowledge of the outcome of those particular pregnancies, but also knowledge of outcomes of future pregnancies of these women is of major clinical importance. This thesis opens with a review of the literature on identifiable risk factors of preeclampsia

Measurement of associated W plus charm production in pp collisions at √s=7 TeV

Peer reviewe

Discutindo a educação ambiental no cotidiano escolar: desenvolvimento de projetos na escola formação inicial e continuada de professores

A presente pesquisa buscou discutir como a Educação Ambiental (EA) vem sendo trabalhada, no Ensino Fundamental e como os docentes desta escola compreendem e vem inserindo a EA no cotidiano escolar., em uma escola estadual do município de Tangará da Serra/MT, Brasil. Para tanto, realizou-se entrevistas com os professores que fazem parte de um projeto interdisciplinar de EA na escola pesquisada. Verificou-se que o projeto da escola não vem conseguindo alcançar os objetivos propostos por: desconhecimento do mesmo, pelos professores; formação deficiente dos professores, não entendimento da EA como processo de ensino-aprendizagem, falta de recursos didáticos, planejamento inadequado das atividades. A partir dessa constatação, procurou-se debater a impossibilidade de tratar do tema fora do trabalho interdisciplinar, bem como, e principalmente, a importância de um estudo mais aprofundado de EA, vinculando teoria e prática, tanto na formação docente, como em projetos escolares, a fim de fugir do tradicional vínculo “EA e ecologia, lixo e horta”.Facultad de Humanidades y Ciencias de la Educació

THE INFLUENCE OF DIFFERENT WATER AND NITROGEN APPLICATIONS ON SOME YIELD PARAMETERS AND ANTIOXIDANT ACTIVITY IN SAGE (Salvia officinalis L.)

WOS: 000402781700013The effect of different water and nitrogen applications on some yield parameters and antioxidant activity on sage (Salvia officinalis L. var. Extrakta) was investigated. A field trial was arranged in the split plot design with four replications under the Bornova ecological conditions in 2012 and 2013. The following water regimes were used as main plots: S1 (irrigated when it's needed), S2 (20 days dry before harvesting) and S3 (40 days dry before harvesting) and nitrogen applications were used as sub-plots such as 0 kg ha(-1) and 60 kg ha(-1). The following plant characteristics such as plant height (cm), fresh herbage yield (kg ha(-1)), drug herbage yield (kg ha(-1)), drug leaf yield (kg ha(-1)), essential oil ratio (%), essential oil yield, essential oil content (%), antioxidant capacity (mu mol FRAPgDM) were recorded. The highest essential oil ratio was obtained from the S3 water dose such as 2.07%. The main component in the essential oils recovered by both experiments were alpha+beta thujone showing a large variation. Considering the N fertilization combined with the S2 irrigation had positive effect on the characteristics measured. It could be concluded that the antioxidant activity tended to increase as the soil moisture decreased.Scientific Research Project Commission of Ege University, Izmir/Turkey [2005-ZRF-053]This project was supported by the Scientific Research Project Commission of Ege University, Izmir/Turkey, Project no: 2005-ZRF-053. This article is a part of Doctor of Thesis: The effects of Plant-Water Relationships on Essential Oil Production and Quality in sage (Salvia officinalis L.): Biometrical and Physiological Investigations

Late term complications of intruded permanent incisors: 2 case reports

sonmez, isil/0000-0002-3530-0244WOS: 000253603600040PubMed: 18280953This report describes 2 cases of intrusive luxation injuries of maxillary immature permanent central incisors. In both cases, intruded teeth were left for spontaneous reeruption. During periodic follow-ups for up to 2 years the teeth did not show any sign, clinically or radiographically, of pulp necrosis with apical periodontitis. However, in the first case tenderness to percussion and periapical radiolucency developed after 2.5 years and endodontic treatment was started. In the second case, the patient returned after 2 years 9 months with complaint and periapical radiolucency was observed radiographically. Endodontic therapy was performed. These late-term complications highlight the need for regular long-term follow-up in cases of intrusive luxation in permanent teeth

Spontaneous re-eruption of intruded permanent incisors: five case reports

sonmez, isil/0000-0002-3530-0244WOS: 000207879500012PubMed: 16997096This report presents 5 cases of intrusive luxation in immature permanent central incisors. The intruded incisors, with careful monitoring, were allowed to spontaneously re-erupt, which avoided the need to reposition the tooth either orthodontically or surgically. All of the teeth re-erupted spontaneously in a few months. The root development continued in all of the cases and all pulps remained vital. There were no other signs of pulpal and/or periapical pathology. It can be concluded that intruded immature permanent teeth can spontaneously re-erupt, conserve their vitality, and continue their root development without any surgical or orthodontic management. (Oral Surg Oral Med Oral Pathol Oral Radiol Endod 2006;102:e60-e65