See5 Algorithm versus Discriminant Analysis. An Application to the Prediction of Insolvency in Spanish Non-life Insurance Companies

Prediction of insurance companies insolvency has arised as an important problem in the field of financial research, due to the necessity of protecting the general public whilst minimizing the costs associated to this problem. Most methods applied in the past to tackle this question are traditional statistical techniques which use financial ratios as explicative variables. However, these variables do not usually satisfy statistical assumptions, what complicates the application of the mentioned methods.In this paper, a comparative study of the performance of a well-known parametric statistical technique (Linear Discriminant Analysis) and a non-parametric machine learning technique (See5) is carried out. We have applied the two methods to the problem of the prediction of insolvency of Spanish non-life insurance companies upon the basis of a set of financial ratios. Results indicate a higher performance of the machine learning technique, what shows that this method can be a useful tool to evaluate insolvency of insurance firms.Insolvency, Insurance Companies, Discriminant Analysis, See5.

Infectivity decline of an RNA plant virus by increased mutagenesis supports the lethal defection model in vivo

Lethal mutagenesis is a new antiviral therapy based on increasing the mutation rate by using mutagenic base and nucleoside analogues whose molecular mechanisms are not fully understood. Most of the research has been conducted on animal RNA viruses in cell culture and, to a lesser extent, in vivo. There is experimental evidence supporting the model of lethal defection for lethal mutagenesis of RNA viruses. In this model, viral genomes with a low degree of mutation and low specific infectivity, termed "defectors", exert an interfering activity leading to virus loss. Lethal mutagenesis of plant viruses has not been addressed yet despite being excellent in vivo model systems that develop systemic infections, undergo rapid bottlenecks and pose no ethical issues. Here, we address lethal mutagenesis in vivo of Tobacco mosaic virus (TMV), a single-stranded positive RNA virus of 6.4 Kb. Nicotiana tabacum plants cultured in vitro were treated with 25, 50 and 100 µg/ml of the base analogue 5-fluorouracil (FU) and 24 h later were inoculated with 50 lesion forming units (lfu) of TMV. We analyzed the infectivity, viral load and mutant spectra of viral populations after 5 and 10 days of treatment, as well as of populations that went 10 days of treatment followed by 21 days of ex vitro growth in the absence of FU. The results show that TMV infectivity decreases when treated with 50 and 100 µg/ml FU for 10 days. TMV mutagenized populations grown without FU reach infectivity values higher than untreated populations. Predominant mutations in FU-treated populations with decreased infectivity at 10 dpi are U→C, A→G and G→A transitions, which are expected due to the action of FU. TMV replication is not affected by FU at any dose and there are no imbalances of ribonucleotide triphosphate pools measured by HPLC. No differences in mutation frequencies and Shannon Entropies between control and FU-treated populations with declined infectivity were found. However, we did found a dose-dependent decrease of specific infectivity in FU-treated populations, but not in untreated samples, as well as dominance of molecules with a low degree of mutation. Specific infectivity recovered to control levels after 21 days of growth without the analogue. Altogether, our results suggest that TMV defector molecules mediate the decrease in TMV infectivity. This is the first report that addresses the molecular basis of lethal defection in vivo using an RNA plant virus.Junta de Andalucía (P09-CVI-5428 y P10-CVI-6561), Plan Nacional I+D+i (BFU2007-65080 BMC) y Universidad de Málaga (Plan propio

Homogenization results for chemical reactive flows through porous media

This paper deals with the homogenization of a nonlinear problem mod-elllng chemica! reactive flows through periodically perforated domains. The chemical reactions take place on the walls of the porous médium. The effective behavior of these reactive flows is described by a new elliptic boundary-value problem contalning an extra zero-order term which captures the effect of the chemical reactions

Separating Topological Noise from Features Using Persistent Entropy

Topology is the branch of mathematics that studies shapes and maps among them. From the algebraic definition of topology a new set of algorithms have been derived. These algorithms are identified with “computational topology” or often pointed out as Topological Data Analysis (TDA) and are used for investigating high-dimensional data in a quantitative manner. Persistent homology appears as a fundamental tool in Topological Data Analysis. It studies the evolution of k−dimensional holes along a sequence of simplicial complexes (i.e. a filtration). The set of intervals representing birth and death times of k−dimensional holes along such sequence is called the persistence barcode. k−dimensional holes with short lifetimes are informally considered to be topological noise, and those with a long lifetime are considered to be topological feature associated to the given data (i.e. the filtration). In this paper, we derive a simple method for separating topological noise from topological features using a novel measure for comparing persistence barcodes called persistent entropy.Ministerio de Economía y Competitividad MTM2015-67072-

Tres ingenieros y un proyecto : Merlo, Gutiérrez y Ribera y la Plaza de Oriente de Madrid.

Se clarifica el papel que los ingenieros Juan Merlo, Fernando Gutiérrez y Juan de Ribera tuvieron en la definición de la plaza de Oriente, uno de los espacios más emblemáticos de la ciudad de Madrid. Su proyecto de ordenación coincidente con la regencia de Espartero y llevado a cabo sólo parcialmente, dejó huella en el sitio, influyendo en la forma definitiva de la plaza. Al tiempo que se presenta a los personajes implicados, se analizan los antecedentes y el contenido, desarrollo y resultados de la operación

De marginados a trabajadores. Usos y destinos de la población penal en La Habana

Tomando como referente a La Habana, en el presente artículo se analiza la incorporación forzada de vagos y delincuentes al proceso productivo en labores vinculadas a los servicios, la construcción y la higiene de la ciudad. Su empleo en esas actividades permitió a las autoridades cubrir las necesidades del mercado laboral con una mano de obra gratuita a muy bajo costo, utilidad económica que fue justificada por la administración colonial con un discurso moralizador que otorgaba al trabajo una función reeducativa.Taking Havana city as our framework, this article analyses the forced inclusion of vagrants and criminals to the productive process who developed different works involving services, construction and hygiene of the city. His employment in these activities allowed the authorities to meet the needs of the labour market with a free workforce or at very low cost, economic utility that was justified by the colonial administration with a moralizing discourse that gave a re-educative function to labour.Tomando como referente a La Habana, en el presente artículo se analiza la incorporación forzada de vagos y delincuentes al proceso productivo en labores vinculadas a los servicios, la construcción y la higiene de la ciudad. Su empleo en esas actividades permitió a las autoridades cubrir las necesidades del mercado laboral con una mano de obra gratuita a muy bajo costo, utilidad económica que fue justificada por la administración colonial con un discurso moralizador que otorgaba al trabajo una función reeducativa