Whole life health insurance

Dissertação apresentada na Faculdade de Ciências e Tecnologia da Universidade Nova de Lisboa para obtenção do Grau de mestre em Matemática e AplicaçõesThe health insurance has become complementary to the National Health Care system in Portugal. In the last years, the increase of this insurance has been considerable. Despite the health concerns of Portuguese citizens, related to better life quality, medical technology and others, the ageing of Portuguese population is a reality to be well thought-out. Regarding this fact, the whole life health insurance is an important product to be developed. In this dissertation, it is presented an approach to the calculation of the level premiums for the whole life health insurance in order to fulfil the Portuguese insurer’s market requests. A private health insurance company with a historical data of ten years provided the statistics used for this calculation. The levelled insurance premiums were calculated on the basis of the risk involved and according to the principle of equivalence. This means that regarding the period insured, the total of premiums should match the total of the benefits

Alternative regimens for prostate cancer treatment using radiation therapy

Purpose/Objective: The purpose of this work was to determine biologically equivalent alternative regimens for the treatment of prostate cancer using External Beam Radiotherapy (EBRT) and Low Dose-Rate Brachytherapy (LDRBT) with 125I implants and to evaluate the sensitivity of these regimens to different sets of radiobiological parameters of the Linear-Quadratic (LQ) model

Protection against oxidative stress through SUA7/TFIIB regulation in Saccharomyces cerevisiae

The general transcription factor TFIIB, encoded by SUA7 in Saccharomyces cerevisiae, is required for transcription activation but apparently of a specific subset of genes, for example, linked with mitochondrial activity and hence with oxidative environments. Therefore, studying SUA7/TFIIB as a potential target of oxidative stress is fundamental. We found that controlled SUA7 expression under oxidative conditions occurs at transcriptional and mRNA stability levels. Both regulatory events are associated with the transcription activator Yap1 in distinct ways: Yap1 affects SUA7 transcription up regulation in exponentially growing cells facing oxidative signals; the absence of this activator per se contributes to increase SUA7 mRNA stability. However, unlike SUA7 mRNA, TFIIB abundance is not altered on oxidative signals. The biological impact of this preferential regulation of SUA7 mRNA pool is revealed by the partial suppression of cellular oxidative sensitivity by SUA7 overexpression, and supported by the insights on the existence of a novel RNA-binding factor, acting as an oxidative sensor, which regulates mRNA stability. Taken together the results point out a primarily cellular commitment to guarantee SUA7 mRNA levels under oxidative environments

O governo das escolas do 1º ciclo do ensino básico, em Portugal: legislação e vivências dos professores

Este texto faz uma retrospectiva do quadro legal que instituiu a escolaridade obrigatória em Portugal e dá conta da acção do Estado no governo das escolas públicas que, acompanhando as alterações discursivas, deixaram de ser designadas por escolas primárias para passarem a ser referidas como escolas do ensino básico e a fazerem parte de um agrupamento de escolas. A estes aspectos, associamos vivências e sentimentos expressos por alguns professores relativamente a esta pertença a um agrupamento de escolas

Adaptive mutations in bacteria: high rate and small effects

Evolution by natural selection is driven by the continuous generation of adaptive mutations. We measured the genomic mutation rate that generates beneficial mutations and their effects on fitness in Escherichia coli under conditions in which the effect of competition between lineages carrying different beneficial mutations is minimized. We found a rate on the order of 10–5 per genome per generation, which is 1000 times as high as previous estimates, and a mean selective advantage of 1%. Such a high rate of adaptive evolution has implications for the evolution of antibiotic resistance and pathogenicity

Regulation of antioxidant enzymes gene expression in the yeast Saccharomyces cerevisiae during stationary phase

Gene expression of three antioxidant enzymes, Mn superoxide dismutase (MnSOD), Cu,Zn superoxide dismutase (Cu,ZnSOD), and glutathione reductase (GR) was investigated in stationary phase Saccharomyces cerevisiae during menadione-induced oxidative stress. Both GR and Cu,ZnSOD mRNA steady state levels increased, reaching a plateau at about 90 min exposure to menadione. GR mRNA induction was higher than that of Cu,ZnSOD (about 14-fold and 9-fold after 90 min, respectively). A different pattern of response was obtained for MnSOD mRNA, with a peak at about 15 min (about 8-fold higher) followed by a decrease to a plateau approximately 4-fold higher than the control value. However, these increased mRNA levels did not result in increased protein levels and activities of these enzymes. Furthermore, exposure to menadione decreased MnSOD activity to half its value, indicating that the enzyme is partially inactivated due to oxidative damage. Cu,ZnSOD protein levels were increased 2-fold, but MnSOD protein levels were unchanged after exposure to menadione in the presence of the proteolysis inhibitor phenylmethylsulfonyl fluoride. These results indicate that the rates of Cu,ZnSOD synthesis and proteolysis are increased, while the rates of MnSOD synthesis and proteolysis are unchanged by exposure to menadione. Also, the translational efficiency for both enzymes is probably decreased, since increases in protein levels when proteolysis is inhibited do not reflect the increases in mRNA levels. Our results indicate that oxidative stress modifies MnSOD, Cu,ZnSOD, and GR gene expression in a complex way, not only at the transcription level but also at the post-transcriptional, translational, and post-translational levels

Electrical properties of melt-mixed polypropylene and as-grown carbon nanofiber composites: analysis of their interphase via the AC conductivity modeling

The morphology, crystallinity, and electrical conductivity (σ′ and σ″) as a function of frequency of polypropylene (PP) melt-extruded with different amounts of as-grown carbon nanofibers (CNFs) from 0 to 1.4 vol. % are examined. The PP/CNF composites present CNF aggregates randomly distributed within the PP and an insulator–conductor transition at CNF contents near 0.9 vol. %. The degree of crystallinity of PP/CNF composites with loadings of 1.4 vol. % increases ∼15% with respect to the neat PP (∼34%), with σ´ ∼ 8.6 × 10−5 S m−1 (σ″ ∼ 8.3 × 10−4 S m−1) at 2 MHz. In addition, the values of the electrical conductivity σint´ ∼2.9 × 10−6 S m−1 (σint″∼3.7 × 10−4 S m−1) at 2 MHz, as a result of the interphase (ϕint ∼0.05 vol. %) of the 1.4 vol. % PP/CNF composites, are estimated by the use of a modified generalized effective medium model (GEM). The analysis gathered in here indicates that the interphase between the polymer and the conducting particle may have a quantifiable effect on the electrical properties of carbon-based polymer composites, and this fact should not be neglected in the production of conducting polymer composites (CPCs) with enhanced electrical properties.This study was funded by FCT-Foundation for Science and Technology: “Plurianual” 2020–2023 Project UIDB/00264/2020