Comparison of The Kois Dento-Facial Analyzer System with an Earbow for Mounting a Maxillary Cast

Statement of problem: The Kois Dento-Facial Analyzer System (KDFA) is used by clinicians to mount maxillary casts and evaluate and treat patients. Limited information is available for understanding whether the KDFA should be considered as an alternative to an earbow. Purpose: The purpose of this study was to evaluate maxillary casts mounted using the KDFA with casts mounted using Panadent\u27s Pana-Mount Facebow (PMF). Both articulation methods were compared against a lateral cephalometric radiograph. Material and methods: Fifteen dried human skulls were used. Lateral cephalometric radiographs and 2 maxillary impressions were made of each skull. One cast from each skull was mounted on an articulator by means of the KDFA and the other by using the PMF. A standardized photograph of each articulation was made, and the distance from the articular center to the incisal edge position and the occlusal plane angle were measured. The distance from condylar center to the incisal edge and the occlusal plane angle were measured from cephalometric radiographs. Finally, the 3-dimensional position of each articulation was determined with a Panadent CPI-III. A randomized complete block design analysis of variance (RCBD) and post hoc tests (Tukey-Kramer HSD) (α=.05) were used to evaluate the occlusal plane angle and axis-central incisor distance. A paired 2-sample t test for means (α=.05) was used to compare the X, Y, and Z distance at the right and left condyle. Results: The KDFA and PMF mounted the maxillary cast in a position that was not statistically different from the skull when comparing the occlusal plane angle (P=.165). Both the KDFA and the PMF located the maxillary central incisor edge position in a significantly different position compared with the skull (P=.001) but were not significantly different from each other. The 3-dimensional location of the maxillary casts varied at the condyles by approximately 9 to 10.3 mm. Conclusion: The KDFA mounted the maxillary cast in a position that was not statistically different from the PMF when comparing the incisal edge position and the occlusal plane angle. Both the KDFA and the PMF located the maxillary incisal edge position in a significantly different position compared with the anatomic position on dried human skulls

Financial technologies in personal financial planning: robo-advice vs. human-advice

The paper presents the essence of financial technologies in personal financial planning, especially robo-advice. The main aim of the paper is to describe the presumptions for the development of robo-advice. An analysis of robo-advice on personal finance management was made. The analysis was based on a review of the subject literature, and on primary and secondary research. Particular attention was paid to the intensification of activities in the implementation of modern solutions and tools supporting the management of personal finances and the gradual development of robo-advisors. Modern solutions are still struggling with great distrust on the part of their current and potential customers, and the development of modern technologies in liquidity and asset management still requires a human factor.The paper presents the essence of financial technologies in personal financial planning, especially robo-advice. The main aim of the paper is to describe the presumptions for the development of robo-advice. An analysis of robo-advice on personal finance management was made. The analysis was based on a review of the subject literature, and on primary and secondary research. Particular attention was paid to the intensification of activities in the implementation of modern solutions and tools supporting the management of personal finances and the gradual development of robo-advisors. Modern solutions are still struggling with great distrust on the part of their current and potential customers, and the development of modern technologies in liquidity and asset management still requires a human factor

The Situational Analysis of a Small Construction Company

Cílem bakalářské práce je pomocí situační analýzy identifikovat stav a nalézt problémy nebo rizika, která se mohou vyskytovat v podnikatelských prostředích malé stavební firmy, tyto problémy nebo rizika klasifikovat, zjistit míru jejich možného dopadu na firmu a podat návrhy řešení na nejzávažnější identifikovaná rizika a problémy.The aim of the bachelor's thesis is to use situational analysis to identify the situation and find problems or risks that may occur in the business environment of a small construction company, to classify these problems or risks, to determine the extent of their possible impact on the company and to propose solutions to the most serious identified risks and problems.345 - Katedra mechanické technologievelmi dobř

Ochrona konsumenta na rynku pożyczek pozabankowych w Polsce w czasie pandemii COVID-19

W artykule dokonano analizy działań mających na celu ochronę konsumenta na rynku pożyczek pozabankowych w czasie pandemii COVID-19 w Polsce. Przedstawiono również, jak zaostrzenie regulacji antylichwiarskich dotyczących kredytu konsumenckiego na wniosek Prezesa UOKiK wpłynęło negatywnie na rynek pożyczkowy. Jednocześnie w tym samym czasie zaobserwowano dynamiczny wzrost zainteresowania usługami lombardów. Pojawia się pytanie, czy konsumenci zostali w rzeczywistości ochronieni przed zubożeniem w czasie pandemii COVID-19? W ostatniej części artykułu przedstawiono propozycje dalszej regulacji sektora pożyczkowego w Polsce z próbą oceny ich wpływu na ten sektor

Od pośrednictwa kredytowego do doradztwa w planowaniu finansów osobistych – ewolucja modelu niebankowego pośrednictwa finansowego w Polsce

The article presents the stages of the evolution of non-bank financial intermediation in Poland – from credit intermediaries to financial planners. The evolution results from a number of factors: economic, social, regulatory and technological. Customers expect not so much selling a particular financial product but a solution to their financial problem, find the best deal. In the next few years, we expect consumers will apply a holistic approach to their financial flows, along with the diagnosis of goals and needs, and the document implementing these expectations will be a personal financial plan prepared by the financial planner. As shown in the article, consultancy in the area of holistic, personal financial planning now is better responding and in the future will respond to customer needs than intermediation in the sale of financial products.W artykule zaprezentowano etapy ewolucji pośrednictwa finansowego w Polsce – od pośredników kredytowych do doradców (planerów finansowych). Ewolucja taka wynika z szeregu czynników o charakterze ekonomicznym, społecznym, regulacyjnym i technologicznym. Klienci oczekują nie tyle sprzedaży konkretnego produktu finansowego, co rozwiązania ich problemu finansowego, znalezienia najlepszej oferty. W perspektywie najbliższych lat oczekiwanie konsumentów będzie dotyczyło całościowego ujęcia ich przepływów finansowych wraz z rozpoznaniem celów i potrzeb, a dokumentem realizującym te oczekiwania będzie osobisty plan finansowy przygotowany przez doradcę finansowego. Jak wykazano w opracowaniu, doradztwo w obszarze planowania finansów osobistych w ujęciu holistycznym bardziej odpowiada i w przyszłości będzie odpowiadać na potrzeby klienta niż pośrednictwo w sprzedaży produktów finansowych