Impact of European Integration on the Functioning of the Insurance Market in Poland

The transformation process, that has begun 20 years ago, generated significant changes in the structure and organization of Polish economy. It stimulated development of particular market's segments, especially of the insurance sector. Poland's accession to the European Union required conformity to Its regulations, fulfillment of several conditions connected with the membership in the European Community. The purpose of this article is to present the main consequences of Poland's integration with EU in the field of insurance market. Joining the common market was an important challenge for this sector in our country.Rok 1990 stanowił początek procesu transformacji systemu społeczno - gospodarczego i ustrojowego. Ostatnie 20 lat to okres intensywnych przemian o charakterze strukturalnym i organizacyjnym, w wyniku których ukształtowały się warunki rozwoju poszczególnych segmentów systemu finansowego państwa, zwłaszcza sektora ubezpieczeń. Przystąpienie Polski do Unii Europejskiej wymagało wprowadzenia szeregu zmian, dostosowujących polski porządek prawny do uregulowań wspólnotowych regulujących funkcjonowanie rynku ubezpieczeń. Celem artykułu jest zaprezentowanie szans i zagrożeń, jakie wynikają dla tego segmentu gospodarki z przystąpienia Polski do UE. Niewątpliwie proces integracji stanowił poważne wyzwanie dla polskiego rynku ubezpieczeń

Lorentz Invariance Violation induced time delays in GRBs in different cosmological models

Lorentz Invariance Violation (LIV) manifesting itself by energy dependent modification of standard relativistic dispersion relation has recently attracted a considerable attention. Ellis et al. previously investigated the energy dependent time offsets in different energy bands on a sample of gamma ray bursts and, assuming standard cosmological model, they found a weak indication for redshift dependence of time delays suggestive of LIV. Going beyond the $\Lambda$CDM cosmology we extend this analysis considering also four alternative models of dark energy (quintessence with constant and variable equation of state, Chaplygin gas and brane-world cosmology). It turns out that the effect noticed by Ellis et al. is also present in those models and is the strongest for quintessence with variable equation of state.Comment: 14 pages, 1 figur

Observational hints on the Big Bounce

In this paper we study possible observational consequences of the bouncing cosmology. We consider a model where a phase of inflation is preceded by a cosmic bounce. While we consider in this paper only that the bounce is due to loop quantum gravity, most of the results presented here can be applied for different bouncing cosmologies. We concentrate on the scenario where the scalar field, as the result of contraction of the universe, is driven from the bottom of the potential well. The field is amplified, and finally the phase of the standard slow-roll inflation is realized. Such an evolution modifies the standard inflationary spectrum of perturbations by the additional oscillations and damping on the large scales. We extract the parameters of the model from the observations of the cosmic microwave background radiation. In particular, the value of inflaton mass is equal to $m=(2.6 \pm 0.6) \cdot 10^{13}$ GeV. In our considerations we base on the seven years of observations made by the WMAP satellite. We propose the new observational consistency check for the phase of slow-roll inflation. We investigate the conditions which have to be fulfilled to make the observations of the Big Bounce effects possible. We translate them to the requirements on the parameters of the model and then put the observational constraints on the model. Based on assumption usually made in loop quantum cosmology, the Barbero-Immirzi parameter was shown to be constrained by $\gamma<1100$ from the cosmological observations. We have compared the Big Bounce model with the standard Big Bang scenario and showed that the present observational data is not informative enough to distinguish these models.Comment: 25 pages, 8 figures, JHEP3.cl

Molecular detection of thyroglobulin mRNA transcripts in peripheral blood of patients with thyroid disease by RT-PCR

The sensitive detection of circulating tumour cells in patients with differentiated thyroid cancer may precede the detection of relapse by other diagnostic studies – such as serum thyroglobulin – and thus may have important therapeutic and prognostic implications. We performed reverse transcription-polymerase chain reaction (RT-PCR) on blood samples from patients diagnosed with thyroid disease using two different RT-PCR sensitivities. Additionally, tissue specificity of TG mRNA-expression was determined using RNA extracts from 27 different human tissues. The lower limit of detection was 50–100 TG mRNA producing cells/ml blood using a ‘normal’ RT-PCR sensitivity and 10–20 cells/ml blood using a ‘high’ sensitivity. With the normal sensitivity TG mRNA was detected in 9/13 patients with thyroid cancer and metastasis, 63/137 patients with a history of thyroid cancer and no metastasis, 21/85 with non-malignant thyroid disease and 9/50 controls. With the high sensitivity TG mRNA was detected in 11/13 patients with thyroid cancer and metastasis, 111/137 patients with a history of thyroid cancer and no metastasis, 61/85 with non-malignant thyroid disease and 41/50 controls. Interestingly, using the normal RT-PCR sensitivity TG mRNA transcripts are specific for thyroid tissue and detectable in the peripheral blood of controls and patients with thyroid disease, which correlates with a diagnosis of metastasized thyroid cancer. However, with a high RT-PCR sensitivity, TG mRNA expression was found not to be specific for thyroid tissue and was not correlated with a diagnosis of thyroid cancer in patients. As a consequence, to date TG mRNA detected by RT-PCR in the peripheral blood cannot be recommended as a tumour marker superior to TG serum-level. © 2000 Cancer Research Campaig

Density growth in Kantowski-Sachs cosmologies with cosmological constant

In this work the growth of density perturbations in Kantowski-Sachs cosmologies with a positive cosmological constant is studied, using the 1+3 and 1+1+2 covariant formalisms. For each wave number we obtain a closed system for scalars formed from quantities that are zero on the background and hence are gauge-invariant. The solutions to this system are then analyzed both analytically and numerically. In particular the effects of anisotropy and the behaviour close to a bounce in the cosmic scale factor are considered. We find that typically the density gradient in the bouncing directions experiences a local maximum at or slightly after the bounce.Comment: 33 pages, 17 picture

Reconstructing the properties of dark energy from recent observations

We explore the properties of dark energy from recent observational data, including the Gold Sne Ia, the baryonic acoustic oscillation peak from SDSS, the CMB shift parameter from WMAP3, the X-ray gas mass fraction in cluster and the Hubble parameter versus redshift. The $\Lambda CDM$ model with curvature and two parameterized dark energy models are studied. For the $\Lambda CDM$ model, we find that the flat universe is consistent with observations at the $1\sigma$ confidence level and a closed universe is slightly favored by these data. For two parameterized dark energy models, with the prior given on the present matter density, $\Omega_{m0}$, with $\Omega_{m0}=0.24$, $\Omega_{m0}=0.28$ and $\Omega_{m0}=0.32$, our result seems to suggest that the trend of $\Omega_{m0}$ dependence for an evolving dark energy from a combination of the observational data sets is model-dependent.Comment: 16 pages, 15 figures, To appear in JCA

Testing the viability of the interacting holographic dark energy model by using combined observational constraints

Using the data coming from the new 182 Gold type Ia supernova samples, the shift parameter of the Cosmic Microwave Background given by the three-year Wilkinson Microwave Anisotropy Probe observations, and the baryon acoustic oscillation measurement from the Sloan Digital Sky Survey, $H(z)$ and lookback time measurements, we have performed a statistical joint analysis of the interacting holographic dark energy model. Consistent parameter estimations show us that the interacting holographic dark energy model is a viable candidate to explain the observed acceleration of our universe.Comment: 15 pages, 9 figures, accepted for publication in JCA

Cosmological constraints combining H(z), CMB shift and SNIa observational data

Recently H(z) data obtained from differential ages of galaxies have been proposed as a new geometrical probe of dark energy. In this paper we use those data, combined with other background tests (CMB shift and SNIa data), to constrain a set of general relativistic dark energy models together with some other models motivated by extra dimensions. Our analysis rests mostly on Bayesian statistics, and we conclude that LCDM is at least substantially favoured, and that braneworld models are less favoured than general relativistic ones.Comment: 17 pages, 11 figures; improved discussion, new figures, updated to match published versio

Spin Structure of the Proton from Polarized Inclusive Deep-Inelastic Muon-Proton Scattering

We have measured the spin-dependent structure function $g_1^p$ in inclusive deep-inelastic scattering of polarized muons off polarized protons, in the kinematic range $0.003 < x < 0.7$ and $1 GeV^2 < Q^2 < 60 GeV^2$. A next-to-leading order QCD analysis is used to evolve the measured $g_1^p(x,Q^2)$ to a fixed $Q^2_0$. The first moment of $g_1^p$ at $Q^2_0 = 10 GeV^2$ is $\Gamma^p = 0.136\pm 0.013(stat.) \pm 0.009(syst.)\pm 0.005(evol.)$. This result is below the prediction of the Ellis-Jaffe sum rule by more than two standard deviations. The singlet axial charge $a_0$ is found to be $0.28 \pm 0.16$. In the Adler-Bardeen factorization scheme, $\Delta g \simeq 2$ is required to bring $\Delta \Sigma$ in agreement with the Quark-Parton Model. A combined analysis of all available proton and deuteron data confirms the Bjorken sum rule.Comment: 33 pages, 22 figures, uses ReVTex and smc.sty. submitted to Physical Review