160 research outputs found

    The Belgian migration to SEPA (Single Euro Payments Area)

    Get PDF
    The main aim of SEPA (Single European Payment Area) is to promote financial integration in Europe, more particularly in the field of cashless payment services and payment systems. It is intended to enable all economic players (businesses, consumers and public authorities) to effect payments anywhere in the SEPA zone (the 27 EU countries plus Iceland, Liechtenstein, Norway and Switzerland) as easily, securely and efficiently as domestic payments. It must also be possible to execute these payments in accordance with a single regulatory framework within which all players have the same rights and obligations. To that end, the European Parliament and the Council adopted a directive on payment services in the internal market, which has to be transposed into national law by 1 November 2009. The SEPA migration is a process whereby the current national payment instruments are gradually replaced by standardised European instruments. More precisely, European instruments have been developed for credit transfers and direct debits, while a general framework has been set up for payment cards. The development of standards for these payment instruments and the organisation of the migration to SEPA were largely decided by the banking sector. For that purpose, interbank consultation bodies were set up at national and European level, and special structures were created to encourage societal dialogue concerning SEPA and its implementation. In Belgium, the organisational structures behind the SEPA migration are the “Steering Committee on the future of means of payment” and the SEPA interbank Forum. SEPA is being created in phases. The signal for the operational launch was given just over a year ago : since 28 January 2008 it has been possible to use the European transfer to effect payments anywhere in the SEPA area. The banking sector set the launch date for the European direct debit at European level : it will coincide with the date on which the payment services directive has to be transposed into national law, namely 1 November 2009. The success of the launch of the European direct debit on that date will depend mainly on a number of legal aspects, its adoption by the market, and the time taken to implement it in banks and businesses. The SEPA Card Framework is ready and has applied since 1 January 2008, but that has had little or no practical impact on the Belgian market in bank cards. Although the original plan for switching to a new payment card scheme in a single operation was abandoned, the Belgian market is technically ready for the introduction of new card payment schemes.SEPA (Single European Payment Area), payments instruments, financial integration, Payment Services Directive, banking standards

    Field evidence of dispersal of branchiopods, ostracods and bryozoans by teal (Anas crecca) in the Camargue (southern France).

    Get PDF
    Abstract Invertebrate propagules may survive internal and external transports by waterbirds, thus facilitating their dispersal between aquatic habitats. However, field data on such transport remain limited, especially for exozoochory. We quantified and compared the rates of internal and external invertebrate transports simultaneously in a wintering population of teal (Anas crecca) in the Camargue (southern France). We inspected lower gut (rectum) contents of birds that had been shot (N = 366) and washed birds that had been live-trapped (N = 68) during the winters 2006-2007 and 2007-2008. At least one propagule was recorded in 2.5% and 10.3% of internal and external samples, respectively. Cladoceran, ostracod, plumatellid bryozoan and anostracan propagules were all recorded in both internal and external samples. Hatching confirmed their viability, except for anostracan eggs. At least three cladoceran species and two ostracod species were recorded, none of which had previously been shown to be dispersed by birds. Amongst external samples, we recorded a significant seasonal trend in 1 year with most propagules recorded before December, keeping with a seasonal decline in the availability of propagules on the water surface. This study provides evidence that teal may be important vectors of invertebrate dispersal both within the Camargue and along migratory flyways

    The distribution of pond snail communities across a landscape: separating out the influence of spatial position from local habitat quality for ponds in south-east Northumberland, UK

    Get PDF
    Ponds support a rich biodiversity because the heterogeneity of individual ponds creates, at the landscape scale, a diversity of habitats for wildlife. The distribution of pond animals and plants will be influenced by both the local conditions within a pond and the spatial distribution of ponds across the landscape. Separating out the local from the spatial is difficult because the two are often linked. Pond snails are likely to be affected by both local conditions, e.g. water hardness, and spatial patterns, e.g. distance between ponds, but studies of snail communities struggle distinguishing between the two. In this study, communities of snails were recorded from 52 ponds in a biogeographically coherent landscape in north-east England. The distribution of snail communities was compared to local environments characterised by the macrophyte communities within each pond and to the spatial pattern of ponds throughout the landscape. Mantel tests were used to partial out the local versus the landscape respective influences. Snail communities became more similar in ponds that were closer together and in ponds with similar macrophyte communities as both the local and the landscape scale were important for this group of animals. Data were collected from several types of ponds, including those created on nature reserves specifically for wildlife, old field ponds (at least 150 years old) primarily created for watering livestock and subsidence ponds outside protected areas or amongst coastal dunes. No one pond type supported all the species. Larger, deeper ponds on nature reserves had the highest numbers of species within individual ponds but shallow, temporary sites on farm land supported a distinct temporary water fauna. The conservation of pond snails in this region requires a diversity of pond types rather than one idealised type and ponds scattered throughout the area at a variety of sites, not just concentrated on nature reserves

    Differential, Positional-Dependent Transcriptional Response of Antigenic Variation (var) Genes to Biological Stress in Plasmodium falciparum

    Get PDF
    1% of the genes of the human malaria causing agent Plasmodium falciparum belong to the heterogeneous var gene family which encodes P. falciparum erythrocyte membrane protein 1 (PFEMP1). This protein mediates part of the pathogenesis of the disease by causing adherence of infected erythrocytes (IE) to the host endothelium. At any given time, only one copy of the family is expressed on the IE surface. The cues which regulate the allelic exclusion of these genes are not known. We show the existence of a differential expression pattern of these genes upon exposure to biological stress in relation to their positional placement on the chromosome – expression of centrally located var genes is induced while sub-telomeric copies of the family are repressed - this phenomenon orchestrated by the histone deacetylase pfsir2. Moreover, stress was found to cause a switch in the pattern of the expressed var genes thus acting as a regulatory cue. By using pharmacological compounds which putatively affect pfsir2 activity, distinct changes of var gene expression patterns were achieved which may have therapeutic ramifications. As disease severity is partly associated with expression of particular var gene subtypes, manipulation of the IE environment may serve as a mechanism to direct transcription towards less virulent genes

    Plant communities as a tool in temporary ponds conservation in SW Portugal

    Get PDF
    Pond conservationTemporary ponds are seasonal wetlands annually subjected to extreme and unstable ecological conditions, neither truly aquatic nor truly terrestrial. This habitat and its flora have been poorly studied and documented because of the ephemeral character of the flora, the changeable annual weather that has a great effect on the small, herbaceous taxa and the declining abundance of temporary ponds. The objectives of this study are: (a) to define plant community diversity in terms of floristic composition of ephemeral wetlands in SW Portugal, (b) to identify temporary pond types according to their vegetation composition and (c) to identify those ponds that configure the European community priority habitat (3170* – Mediterranean temporary ponds). Vegetation sampling was conducted in 29 ponds, identifying 168 species grouped among 15 plant communities. Soil texture, pH, organic C and N content were measured, but only N and percent of clay appear to be related with the distribution of each community type. The results showed that ephemeral wetlands could be classified into four type: vernal pools, marshlands, deep ponds and disturbed wetlands. Vernal pools correspond to the Mediterranean temporary ponds (3170*), protected as priority habitat under the EU Habitats Directive. Submersed Isoetes species (Isoetes setaceum and Isoetes velatum) represents, together with Eryngium corniculatum, the indicator species for vernal pools. We identify also indicator plant communities of this priority habitat, namely I. setaceum and E. corniculatum– Baldellia ranunculoides plant communities. In this region, the conservation of temporary ponds has so far been compatible with traditional agricultural activities, but today these ponds are endangered by the intensification of agriculture and the loss of traditional land use practices and by the development of touris

    Analyses of an Expressed Sequence Tag Library from Taenia solium, Cysticerca

    Get PDF
    A method used to describe expressed genes at a specific stage in an organism is an EST library. In this method mRNA from a specific organism is isolated, transcribed into cDNA and sequenced. The sequence will derive from the 5′-end of the cDNA. The library will not have sequences from all genes, especially if they are expressed in low amounts or not at all in the studied stage. Also the library will mostly not contain full length sequences from genes, but expression patterns can be established. If EST libraries are made from different stages of the same organisms these libraries can be compared and differently expressed genes can be identified. Described here is an analysis of an EST library from the pig cysticerca which is thought to be similar to the stage giving the human neglected disease neurocysticercosis. Novel genes together with putative drug targets are examples of data presented

    A spiral scaffold underlies cytoadherent knobs in Plasmodium falciparum-infected erythrocytes

    Get PDF
    Much of the virulence of Plasmodium falciparum malaria is caused by cytoadherence of infected erythrocytes, which promotes parasite survival by preventing clearance in the spleen. Adherence is mediated by membrane protrusions known as knobs, whose formation depends on the parasite-derived, knob-associated histidine-rich protein (KAHRP). Knobs are required for cytoadherence under flow conditions, and they contain both KAHRP and the parasite-derived erythrocyte membrane protein PfEMP1. Using electron tomography, we have examined the three-dimensional structure of knobs in detergent-insoluble skeletons of P. falciparum 3D7 schizonts. We describe a highly organised knob skeleton composed of a spiral structure coated by an electron dense layer underlying the knob membrane. This knob skeleton is connected by multiple links to the erythrocyte cytoskeleton. We used immuno-electron microscopy to locate KAHRP in these structures. The arrangement of membrane proteins in the knobs, visualised by high resolution freeze fracture scanning electron microscopy, is distinct from that in the surrounding erythrocyte membrane, with a structure at the apex that likely represents the adhesion site. Thus, erythrocyte knobs in P. falciparum infection contain a highly organised skeleton structure underlying a specialised region of membrane. We propose that the spiral and dense coat organise the cytoadherence structures in the knob, and anchor them into the erythrocyte cytoskeleton. The high density of knobs and their extensive mechanical linkage suggest an explanation for the rigidification of the cytoskeleton in infected cells, and for the transmission to the cytoskeleton of shear forces experienced by adhering cells
    corecore