El negocio de la nueva banca. El caso Bankia

[ES] El objeto del proyecto trata de analizar el negocio de la nueva banca, su posicionamiento a través de un sistema de atención personalizado y de asesoramiento, para conseguir la diferenciación y darle valor añadido al cliente. Los principales objetivos son explicar la evolución que ha tenido la banca tras la crisis económica financiera sufrida, explicando los motivos que nos llevaron a esta situación. La necesidad de innovar en la digitalización para mantenerse competentes en el mercado, y cómo buscamos diferenciarnos del resto del sector, a través de una mejora en la calidad relacional con el cliente. Para explicar dichos objetivos tomaremos como ejemplo el caso de la empresa Bankia, sus cambios ante la crisis, y cómo ha superado con creces las expectativas de resultados con sus estrategias de marketing y RRHH. La importancia del estudio radica en construir una prueba piloto, un nuevo modelo de atención relacional con el cliente, y analizar si dicho modelo es el camino correcto hacia el éxito o no. Para ello vamos a tener en cuenta diversas encuestas de calidad realizadas a los clientes y el resultado de las ventas tras instalar la prueba piloto del modelo. Las principales conclusiones serán: - Los motivos que nos llevaron a la crisis económica financiera. - La necesidad de innovar en digitalización para seguir siendo competitivos. - Y analizar si el nuevo posicionamiento de Bankia en su modelo de calidad relacional desarrollado se traduce en resultados positivos.[EN] The purpose of the project is to analyze the business of the new bank, its positioning through a system of personalized attention and advice, to achieve differentiation and give added value to the client. The main objectives are to explain the evolution of the banking system after the financial crisis suffered, explaining the reasons that led us to this situation. The need to innovate in digitization to remain proficient in the market, and how we seek to differentiate ourselves from the rest of the sector, through an improvement in relational quality with the client. To explain these objectives we will take as an example the case of Bankia, its changes in the crisis, and how it has far exceeded the expectations of results with its Marketing strategies and Human Resources. The importance of the study is to build a pilot test, a new model of relational care with the client, and analyze whether this model is the correct way to success or not. To do this we will take into account various quality surveys made to customers and the result of sales after installing the pilot model. The main conclusions will be: - The reasons that led us to the financial crisis. - The need to innovate in digitization to remain competitive. - And analyze if the new positioning of Bankia in its model of relational quality developed translates into positive results.Gómez Teruel, G. (2017). El negocio de la nueva banca. El caso Bankia. http://hdl.handle.net/10251/84497.Archivo delegad

Bone-Mimicking Injectable Gelatine/Hydroxyapatite Hydrogels

[EN] Bioactive synthetic hydrogels have emerged as promising materials because they can provide molecularly tailored biofunctions and adjustable mechanical properties. To mimic the mineralogical and organic components of the natural bone, hydroxyapatite and a tyramine conjugate of gelatine were combined in this study. The effect of various amounts of in situ synthesized hydroxyapatite in gelatine-tyramine on the morphology and physical properties of injectable hydrogels was investigated. Mineralogical identification confirmed successful precipitation of in situ formed hydrox yapatite. Better distribution of hydroxyapatite crystal agglomerates within modified gelatine was found at 5 % of hydroxyapatite, which could be responsible for increased storage modulus with respect to pure gelatine hydrogel. Prepared composite hydrogels are non-toxic and support the proliferation of Hek293 cells.The authors are grateful for the financial support of the Spanish Ministry of Economy and Competitiveness through the MAT2016-76039-C4-1-R project (including Feder funds) and the Croatian Science Foundation under the project IP-2014-09-3752.Rogina, A.; Sandrk, N.; Teruel Biosca, L.; Antunovic, M.; Ivankovic, M.; Gallego Ferrer, G. (2019). Bone-Mimicking Injectable Gelatine/Hydroxyapatite Hydrogels. Chemical and Biochemical Engineering Quarterly Journal. 33(3):325-335. https://doi.org/10.15255/CABEQ.2019.1663S32533533

Neonatal handling decreases unconditioned anxiety, conditioned fear, and improves two-way avoidance acquisition: a study with the inbred Roman high (RHA-I)- and low-avoidance (RLA-I) rats of both sexes

The present study evaluated the long-lasting effects of neonatal handling (H; administered during the first 21 days of life) on unlearned and learned anxiety-related responses in inbred Roman High- (RHA-I) and Low-avoidance (RLA-I) rats. To this aim, untreated and neonatally-handled RHA-I and RLA-I rats of both sexes were tested in the following tests/tasks in baseline acoustic startle (BAS) test, a context-conditioned fear (CCF) test and the acquisition of two-way active –shuttle box- avoidance (SHAV). RLA-I rats showed higher unconditioned (NOE, ZM, BAS) and conditioned (CCF, SHAV) anxiety. H treatment increased exploration of the novel object in the NOE test as well as exploration of the open sections of the ZM test in both rat strains and sexes, although the effects were relatively more marked in the (high anxious) RLA-I strain and in females. Neonatal handling did not affect BAS, but reduced context-conditioned fear in both strains and sexes, and improved shuttle box avoidance acquisition especially in RLA-I (and particularly in females) and in female RHA-I rats. These are completely novel findings, and may suggest that H-induced changes in hippocampal function, which is enhanced in RLA-Is vs RHA-I rats, could be a candidate mechanism underlying the observed long-lasting benefits of neonatal handling on known hippocampal-dependent responses/tasks

Effects of environmental and physiological covariates on sex differences in unconditioned and conditioned anxiety and fear in a large sample of genetically heterogeneous (N/Nih-HS) rats

Physiological and environmental variables, or covariates, can account for an important portion of the variability observed in behavioural/physiological results from different laboratories even when using the same type of animals and phenotyping procedures. We present the results of a behavioural study with a sample of 1456 genetically heterogeneous N/Nih-HS rats, including males and females, which are part of a larger genome-wide fine-mapping QTL (Quantitative Trait Loci) study. N/Nih-HS rats have been derived from 8 inbred strains and provide very small distance between genetic recombinations, which makes them a unique tool for fine-mapping QTL studies. The behavioural test battery comprised the elevated zero-maze test for anxiety, novel-cage (open-field like) activity, two-way active avoidance acquisition (related to conditioned anxiety) and context-conditioned freezing (i.e. classically conditioned fear). Using factorial analyses of variance (ANOVAs) we aimed to analyse sex differences in anxiety and fear in this N/Nih-HS rat sample, as well as to assess the effects of (and interactions with) other independent factors, such as batch, season, coat colour and experimenter. Body weight was taken as a quantitative covariate and analysed by covariance analysis (ANCOVA). Obliquely-rotated factor analyses were also performed separately for each sex, in order to evaluate associations among the most relevant variables from each behavioural test and the common dimensions (i.e. factors) underlying the different behavioural responses. ANOVA analyses showed a consistent pattern of sex effects, with females showing less signs of anxiety and fear than males across all tests. There were also significant main effects of batch, season, colour and experimenter on almost all behavioural variables, as well as "sex × batch", "sex × season" and "sex × experimenter" interactions. Body weight showed significant effects in the ANCOVAs of most behavioural measures, but sex effects were still present in spite of (and after controlling for) these "body weight" effects. Factor analyses of relevant variables from each test showed a two-fold factor structure in both sexes, with the first factor mainly representing anxiety and conditioned fear in males, while in females the first factor was dominated by loadings of activity measures. Thus, besides showing consistent sex differences in anxiety-, fear- and activity-related responses in N/Nih-HS rats, the present study shows that females' behaviour is predominantly influenced by activity while males are more influenced by anxiety. Moreover, the results point out that, besides "sex" effects, physiological variables such as colour and body weight, and environmental factors as batch/season or "experimenter", have to be taken into account in both behavioural and quantitative genetic studies because of their demonstrated influences on phenotypic outcomes

Small Cell Carcinoma of the Vagina : First Systematic Review of Case Reports and Proposal of a Management Algorithm

Literature search in PubMed and Scopus was performed using the terms "small cell carcinoma" and "vagina." English-language case reports of primary SmCCV up to January 2022 were included. Twenty-nine articles describing 44 cases met our inclusion criteria. We report a new case of our hospital. The global median overall survival (mOS) was 12.00 months (95% CI = 9.31-14.69). The mOS was not reached for stage I, and it was 12.00, 12.00, 9.00, and 8.00 months for stages II, III, IVA, and IVB, respectively (statistically significant differences between stage I and stages II, III, or IVA [log rank p =.003-.017]). Thirty-five cases received local treatments (77.8%). The mOS of patients treated with surgery ± complementary chemotherapy, radiotherapy ± complementary chemotherapy, chemoradiation ± complementary chemotherapy, and surgery + radiotherapy ± complementary chemotherapy were 11.00, 12.00, 17.00, and 29.00 months, respectively. The use of adjuvant or neoadjuvant chemotherapy (64.5%, mostly platinum + etoposide) showed longer mOS (77.00 vs 15.00 months). Four of 5 tested cases presented human papillomavirus infection, 3 of them presenting type 18. Small cell carcinoma of the vagina shows dismal prognosis. Multimodal local management plus complementary chemotherapy seems to achieve better outcomes. Human papillomavirus could be related to the development of SmCCV. A diagnostic-therapeutic algorithm is proposed

High-resolution genome screen for bone mineral density in heterogeneous stock rat

We previously demonstrated that skeletal mass, structure, and biomechanical properties vary considerably in heterogeneous stock (HS) rat strains. In addition, we observed strong heritability for several of these skeletal phenotypes in the HS rat model, suggesting that it represents a unique genetic resource for dissecting the complex genetics underlying bone fragility. The purpose of this study was to identify and localize genes associated with bone mineral density in HS rats. We measured bone phenotypes from 1524 adult male and female HS rats between 17 and 20 weeks of age. Phenotypes included dual-energy X-ray absorptiometry (DXA) measurements for bone mineral content and areal bone mineral density (aBMD) for femur and lumbar spine (L3-L5), and volumetric BMD measurements by CT for the midshaft and distal femur, femur neck, and fifth lumbar vertebra (L5). A total of 70,000 polymorphic single-nucleotide polymorphisms (SNPs) distributed throughout the genome were selected from genotypes obtained from the Affymetrix rat custom SNPs array for the HS rat population. These SNPs spanned the HS rat genome with a mean linkage disequilibrium coefficient between neighboring SNPs of 0.95. Haplotypes were estimated across the entire genome for each rat using a multipoint haplotype reconstruction method, which calculates the probability of descent for each genotyped locus from each of the eight founder HS strains. The haplotypes were tested for association with each bone density phenotype via a mixed model with covariate adjustment. We identified quantitative trait loci (QTLs) for BMD phenotypes on chromosomes 2, 9, 10, and 13 meeting a conservative genomewide empiric significance threshold (false discovery rate [FDR] = 5%; p < 3 × 10(-6)). Importantly, most QTLs were localized to very small genomic regions (1-3 megabases [Mb]), allowing us to identify a narrow set of potential candidate genes including both novel genes and genes previously shown to have roles in skeletal development and homeostasis

Fine mapping of bone structure and strength QTLs in heterogeneous stock rat

We previously demonstrated that skeletal structure and strength phenotypes vary considerably in heterogeneous stock (HS) rats. These phenotypes were found to be strongly heritable, suggesting that the HS rat model represents a unique genetic resource for dissecting the complex genetic etiology underlying bone fragility. The purpose of this study was to identify and localize genes associated with bone structure and strength phenotypes using 1524 adult male and female HS rats between 17 to 20 weeks of age. Structure measures included femur length, neck width, head width; femur and lumbar spine (L3-5) areas obtained by DXA; and cross-sectional areas (CSA) at the midshaft, distal femur and femoral neck, and the 5th lumbar vertebra measured by CT. In addition, measures of strength of the whole femur and femoral neck were obtained. Approximately 70,000 polymorphic SNPs distributed throughout the rat genome were selected for genotyping, with a mean linkage disequilibrium coefficient between neighboring SNPs of 0.95. Haplotypes were estimated across the entire genome for each rat using a multipoint haplotype reconstruction method, which calculates the probability of descent at each locus from each of the 8 HS founder strains. The haplotypes were then tested for association with each structure and strength phenotype via a mixed model with covariate adjustment. We identified quantitative trait loci (QTLs) for structure phenotypes on chromosomes 3, 8, 10, 12, 17 and 20, and QTLs for strength phenotypes on chromosomes 5, 10 and 11 that met a conservative genome-wide empiric significance threshold (FDR=5%; P<3×10(-6)). Importantly, most QTLs were localized to very narrow genomic regions (as small as 0.3 Mb and up to 3 Mb), each harboring a small set of candidate genes, both novel and previously shown to have roles in skeletal development and homeostasis

Is oligoprogression a potentially curable disease in epidermal growth factor receptor mutant lung adenocarcinoma?

Third-generation epidermal growth factor receptor (EGFR)-tyrosine kinase inhibitors (TKIs) have shown impressive results in EGFR mutant lung cancer (LC) patients in terms of disease control rate with a positive impact on overall survival. Nevertheless, after months of treatment with targeted therapy, progression inevitably occurs. Some patients develop oligoprogression and local treatment is required for optimal disease control while maintaining EGFR-TKIs. This work features a clinical case of a patient harboring an EGFR mutant LC undergoing oligoprogression to EGFR-TKIs, first into the brain and afterward to the primary tumor, requiring local ablative strategies, including primary tumor resection three years after the start of osimertinib. Currently, the patient is still alive and continues with a complete response upon EGFR-TKIs maintenance. Hence, oligoprogression, even in driven oncogenic tumors, represents a distinct biological entity and potential curative disease that deserves particular consideration in multidisciplinary tumor boards. In this case, tumor primary resection after three years of the initial diagnosis represents a paradigm shift in the treatment of EGFR mutant patients

Aplicabilidad del análisis de microarray en la detección de patrones de expresión genética diferencial en procesos psicológicos: expresión genética amigdalar en ratas N/Nih-HS extremas en ansiedad.

En el presente trabajo, se revisan las principales investigaciones sobre las bases gen&eacute;ticas del miedo, los trastornos de ansiedad y depresivos, as&iacute; como de la susceptibilidad a las drogas, que han utilizado la t&eacute;cnica de microarray. Finalmente se presenta un resumen de algunos resultados preliminares, obtenidos por nuestro grupo de investigaci&oacute;n, en el an&aacute;lisis de la expresi&oacute;n g&eacute;nica diferencial en ratas gen&eacute;ticamente heterog&eacute;neas (N/Nih-HS) seleccionadas por su alta/baja ansiedad, en funci&oacute;n de su capacidad para la adquisici&oacute;n de la tarea de evitaci&oacute;n activa en dos sentidos (en la Shuttle-box)

A Drosophila-centric view of protein tyrosine phosphatases

AbstractMost of our knowledge on protein tyrosine phosphatases (PTPs) is derived from human pathologies and mouse knockout models. These models largely correlate well with human disease phenotypes, but can be ambiguous due to compensatory mechanisms introduced by paralogous genes. Here we present the analysis of the PTP complement of the fruit fly and the complementary view that PTP studies in Drosophila will accelerate our understanding of PTPs in physiological and pathological conditions. With only 44 PTP genes, Drosophila represents a streamlined version of the human complement. Our integrated analysis places the Drosophila PTPs into evolutionary and functional contexts, thereby providing a platform for the exploitation of the fly for PTP research and the transfer of knowledge onto other model systems