Investigating Changes in Chlorophyll a and Other Water Chemistry Variables in Response to Global Environmental Change

Changes in water quality are influenced by climate change and other anthropogenic stressors. We 1) assessed changes in water quality in lakes in the Laurentian Great Lakes region, and 2) compiled water quality data for lakes across the world to assess global patterns in chlorophyll a. We found that at the regional scale water quality (specifically chlorophyll a, total phosphorus, total nitrogen, and dissolved organic carbon) were influenced by temperature, precipitation, morphology, and the presence of dreissenids. We also compiled chlorophyll a and water chemistry data together with morphometric characteristics for 8557 lakes worldwide. This global dataset will allow researchers to associate global water quality patterns to different pressures such as changes climate or land use

Households lending crisis for the most important countries of Central and Eastern Europe

Having in view the fact that the main banking operation is lending (loans are on top in banking investments), the purpose of the article hereby is to carry out a comparative study between the evolution of the loans granted to individuals, according to their destination, during the world economic and financial crisis, for five of the most important countries in Central and Eastern Europe.households lending crisis, banking systems, emerging markets

The Hachemeister’s Algorithm for Heterogenous Portofolios

The Hachemeister’s model is based on an econometric essence combined with one of numeral analysis, both applied on goods insurance. The specific feature of using this type of numeral analysis model given other types of model for premium establishment is the fact that takes in consideration both the evolution in time of contracts number and of inflation’s effect over the value of demands showed during time and also the fact that it can be applied succesfully where we have to provide for an heterogenous risks portofolio.heterogenous portofolios, theory of credibility, risk premiums