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

The Origin of the Electromagnetic Interaction in Einstein's Unified Field Theory with Sources

Einstein's unified field theory is extended by the addition of matter terms in the form of a symmetric energy tensor and of two conserved currents. From the field equations and from the conservation identities emerges the picture of a gravoelectrodynamics in a dynamically polarizable Riemannian continuum. Through an approximate calculation exploiting this dynamical polarizability it is argued that ordinary electromagnetism may be contained in the theory.Comment: 8 pages. Misprint in eq. 15 correcte

On a class of invariant coframe operators with application to gravity

Let a differential 4D-manifold with a smooth coframe field be given. Consider the operators on it that are linear in the second order derivatives or quadratic in the first order derivatives of the coframe, both with coefficients that depend on the coframe variables. The paper exhibits the class of operators that are invariant under a general change of coordinates, and, also, invariant under the global SO(1,3)-transformation of the coframe. A general class of field equations is constructed. We display two subclasses in it. The subclass of field equations that are derivable from action principles by free variations and the subclass of field equations for which spherical-symmetric solutions, Minkowskian at infinity exist. Then, for the spherical-symmetric solutions, the resulting metric is computed. Invoking the Geodesic Postulate, we find all the equations that are experimentally (by the 3 classical tests) indistinguishable from Einstein field equations. This family includes, of course, also Einstein equations. Moreover, it is shown, explicitly, how to exhibit it. The basic tool employed in the paper is an invariant formulation reminiscent of Cartan's structural equations. The article sheds light on the possibilities and limitations of the coframe gravity. It may also serve as a general procedure to derive covariant field equations

A fully relativistic radial fall

Radial fall has historically played a momentous role. It is one of the most classical problems, the solutions of which represent the level of understanding of gravitation in a given epoch. A {\it gedankenexperiment} in a modern frame is given by a small body, like a compact star or a solar mass black hole, captured by a supermassive black hole. The mass of the small body itself and the emission of gravitational radiation cause the departure from the geodesic path due to the back-action, that is the self-force. For radial fall, as any other non-adiabatic motion, the instantaneous identity of the radiated energy and the loss of orbital energy cannot be imposed and provide the perturbed trajectory. In the first part of this letter, we present the effects due to the self-force computed on the geodesic trajectory in the background field. Compared to the latter trajectory, in the Regge-Wheeler, harmonic and all others smoothly related gauges, a far observer concludes that the self-force pushes inward (not outward) the falling body, with a strength proportional to the mass of the small body for a given large mass; further, the same observer notes an higher value of the maximal coordinate velocity, this value being reached earlier on during infall. In the second part of this letter, we implement a self-consistent approach for which the trajectory is iteratively corrected by the self-force, this time computed on osculating geodesics. Finally, we compare the motion driven by the self-force without and with self-consistent orbital evolution. Subtle differences are noticeable, even if self-force effects have hardly the time to accumulate in such a short orbit.Comment: To appear in Int. J. Geom. Meth. Mod. Phy

The Electrostatics of Einstein's Unified Field Theory

When sources are added at their right-hand sides, and g_{(ik)} is a priori assumed to be the metric, the equations of Einstein's Hermitian theory of relativity were shown to allow for an exact solution that describes the general electrostatic field of n point charges. Moreover, the injunction of spherical symmetry of g_{(ik)} in the infinitesimal neighbourhood of each of the charges was proved to yield the equilibrium conditions of the n charges in keeping with ordinary electrostatics. The tensor g_{(ik)}, however, cannot be the metric of the theory, since it enters neither the eikonal equation nor the equation of motion of uncharged test particles. A physically correct metric that rules both the behaviour of wave fronts and of uncharged matter is the one indicated by H\'ely. In the present paper it is shown how the electrostatic solution predicts the structure of the n charged particles and their mutual positions of electrostatic equilibrium when H\'ely's physically correct metric is adopted.Comment: 15 pages. Misprints corrected. To appear in General Relativity and Gravitatio

On the nonsymmetric purely affine gravity

We review the vacuum purely affine gravity with the nonsymmetric connection and metric. We also examine dynamical effects of the second Ricci tensor and covariant second-rank tensors constructed from the torsion tensor in the gravitational Lagrangian.Comment: 15 pages; published versio

Fourth order gravity: equations, history, and applications to cosmology

The field equations following from a Lagrangian L(R) will be deduced and solved for special cases. If L is a non-linear function of the curvature scalar, then these equations are of fourth order in the metric. In the introduction we present the history of these equations beginning with the paper of H. Weyl from 1918, who first discussed them as alternative to Einstein's theory. In the third part, we give details about the cosmic no hair theorem, i.e., the details how within fourth order gravity with L= R + R^2 the inflationary phase of cosmic evolution turns out to be a transient attractor. Finally, the Bicknell theorem, i.e. the conformal relation from fourth order gravity to scalar-tensor theory, will be shortly presented.Comment: 51 pages, LaTeX, no figure, lecture for 42nd Karpacz Winter School 6.-11.2.06, references 99-109 and related comments are adde

The Relativistic Electrodynamics Least Action Principles Revisited: New Charged Point Particle and Hadronic String Models Analysis

The classical relativistic least action principle is revisited from the vacuum field theory approach. New physically motivated versions of relativistic Lorentz type forces are derived, a new relativistic hadronic string model is proposed and analyzed in detail.Comment: n/

Crop loading studies on ‘Caricia’ and ‘Eva’ apples grown in a mild winter area

The crop load level of an apple (Malus × domestica Borkh.) tree impacts fruit yield and quality parameters, tree vigor and biennial bearing. The optimal crop load is that which allows for consistent annual cropping and fruit quality acceptable to the market. We evaluated the effect of crop load on yield and fruit quality of two low-chill apples cv. ‘Caricia’ and ‘Eva’, growing in a mild winter area. During 2010 and 2011 crop load was manually adjusted from 2 or 3 to 17 fruits cm−2 of trunk cross-sectional area (TCSA). Fruit yield was positively related to crop load in both cultivars but mean fruit weight diminished as the crop load increased. For both cultivars, the production of non-commercial and small-sized fruit increased, whereas production of middle-sized fruit diminished as the fruit load increased. Shoot length was not affected by crop load in ‘Eva’ whereas it was reduced in ‘Caricia’. Red skin color (RSC %) had a quadratic response to crop load in ‘Caricia’. On the other hand, the RSC % of ‘Eva’ fruit was adjusted to a negative logarithmic model as an effect of crop load increment. No biennial bearing was observed in either cultivar. This research study suggests that the maximum limit of crop load for both cultivars is 7 fruits cm−2 of TCSA, and the lower limit of crop load was 3 fruits cm−2 of TCSA for ‘Eva’ and 5 fruits cm−2 of TCSA for ‘Caricia’