Rozdział 3. Reklama usług bankowych w procesie konwergencji

Proces komunikacji z klientem powinien tworzyć nową wartość, która przełoży się na zbudowanie lojalności, a tym samym ułatwi realizację zamierzeń biznesowych reklamodawcy. O marketingu należy myśleć jako o sposobie kreacji wartości dla klienta. Bank nie może mieć wizerunku firmy utrzymującej się na rynku tylko dlatego, że bezpiecznie przechowuje oszczędności, stanowiące podstawę finansowania akcji kredytowej. Podobnie jak inne przedsiębiorstwa nie komunikuje co jest jego głównym źródłem przychodu. Bank musi kreować swój wizerunek tak, by był postrzegany jako instytucja zaufania publicznego. Pewny, odpowiedzialny, troskliwy, budzący szacunek i przede wszystkim bezpieczny.Agnieszka Wiśniewsk

Microbial and operational response of an anaerobic fixed bed digester to oleic acid overloads

The effect of oleic acid overloads on biomass accumulation and activity in an anaerobic filter was investigated. An anaerobic fixed-bed reactor specially designed to allow the regular withdrawal of accumulated biomass was used for that purpose. Organic and hydraulic shocks were performed during four days, by stepwise increasing the substrate concentration from 4000 to 20 000 mg COD/l or by reducing the hydraulic retention time from 16 to 3.2 h. During the organic shock, operational performance was more affected than in the hydraulic one, which was the result of the higher degree of inhibition detected in the acetoclastic, hydrogenophilic and syntrophic activities. The ratio adhered/total biomass remained between 17 and 32% during the hydraulic shock, and between 13 and 60% during the organic shock, suggesting a more stable biofilm during the hydraulic shock. A long time (900 h) after the hydraulic shock, hydrogenophilic and syntrophic activities recovered to higher values than before the shock, but after the organic shock only acetoclastic activity recovered pre-shock values. Hydraulic shock induced an increase in tolerance to oleic acid toxicity, evidenced by an increase in the toxicity limit (IC50) from 140+/-30 to 215+/-25 mg/l.Fundação de Ciência e Tecnologia

Determination of mixing quality in biogas plant digesters using tracer tests and computational fluid dynamics

The total electricity demand of investigated biogas plants (BGP) makes up 7–8 % of the total electricity produced. Nearly 40 % of this energy is consumed just for mixing in digesters and the energy demand for mixing in some biogas plants can be even higher. Therefore, optimal mixing in anaerobic digesters is a basic condition for efficient plant operation and biogas production. The use of problematic substrates (e.g. grass silage or other fibrous substrates), installation of unsuitable mixing systems or inconvenient mixing intervals may lead to mixing problems. Knowledge about mixing in biogas digesters is still insufficient, so the objective of this study was to fill the information gaps in the literature by determining the minimal retention time of substrates fed into anaerobic digesters and to describe substrate distribution and washing out rates from investigated digesters. Two full-scale biogas plant digesters (2000 m3 and 1500 m3) using different mixing systems and substrates were investigated. To characterize the substrate distribution, lithium hydroxide monohydrate solutions were used for tracer tests at concentrations of 47.1 mg Li+ / kg TS and 46.6 mg Li+ / kg TS in digester. The tracer concentration in the digester effluents was measured during two hydraulic retention times and compared. Although the tracer was detected in the digester effluent at nearly the same time in both cases, the tracer tests showed very different distribution curves. The tracer concentration in effluent B grew much slower than in effluent A and no significant short circuiting streams were detected. Although the data calculated by computational fluid dynamics methods (CFD) showed a very good agreement with the full scale results, full comparison was not possible

How should HIV resources be allocated? Lessons learnt from applying Optima HIV in 23 countries.

INTRODUCTION: With limited funds available, meeting global health targets requires countries to both mobilize and prioritize their health spending. Within this context, countries have recognized the importance of allocating funds for HIV as efficiently as possible to maximize impact. Over the past six years, the governments of 23 countries in Africa, Asia, Eastern Europe and Latin America have used the Optima HIV tool to estimate the optimal allocation of HIV resources. METHODS: Each study commenced with a request by the national government for technical assistance in conducting an HIV allocative efficiency study using Optima HIV. Each study team validated the required data, calibrated the Optima HIV epidemic model to produce HIV epidemic projections, agreed on cost functions for interventions, and used the model to calculate the optimal allocation of available funds to best address national strategic plan targets. From a review and analysis of these 23 country studies, we extract common themes around the optimal allocation of HIV funding in different epidemiological contexts. RESULTS AND DISCUSSION: The optimal distribution of HIV resources depends on the amount of funding available and the characteristics of each country's epidemic, response and targets. Universally, the modelling results indicated that scaling up treatment coverage is an efficient use of resources. There is scope for efficiency gains by targeting the HIV response towards the populations and geographical regions where HIV incidence is highest. Across a range of countries, the model results indicate that a more efficient allocation of HIV resources could reduce cumulative new HIV infections by an average of 18% over the years to 2020 and 25% over the years to 2030, along with an approximately 25% reduction in deaths for both timelines. However, in most countries this would still not be sufficient to meet the targets of the national strategic plan, with modelling results indicating that budget increases of up to 185% would be required. CONCLUSIONS: Greater epidemiological impact would be possible through better targeting of existing resources, but additional resources would still be required to meet targets. Allocative efficiency models have proven valuable in improving the HIV planning and budgeting process

The Global Web of National Water Security

This article explores the reasons efforts to attain water security by states and the international water policy community often fall short of their goals, and suggests a conceptual tool as partial remedy. The main shortcomings of prevailing water security policy and thinking are found to stem from narrow and determinist analysis that is based on a separation of biophysical and social processes of water resources and their use. Undue confidence is placed in physical scarcity thresholds, for example, while distributive issues are ignored. Water resources are also found to be treated in isolation, as if independent of the food, climate or energy security of individuals, communities and states. The ‘web’ of water security introduced here emphasises combined readings of the social and biophysical processes that enable or prevent national water security. These processes are mediated by a socioeconomic and political context replete with power asymmetries, such that water security for some rests on the water insecurity of others. Sustainable national water security in the long term, it is suggested, will be guided by principles of balance between related security areas, and equitability of distribution of resources between the actors involved

Wastewater irrigation: the state of play

As demand for fresh water intensifies, wastewater is frequently being seen as a valuable resource. Furthermore, wise reuse of wastewater alleviates concerns attendant with its discharge to the environment. Globally, around 20 million ha of land are irrigated with wastewater, and this is likely to increase markedly during the next few decades as water stress intensifies. In 1995, around 2.3 billion people lived in water-stressed river basins and this could increase to 3.5 billion by 2025. We review the current status of wastewater irrigation by providing an overview of the extent of the practice throughout the world and through synthesizing the current understanding of factors influencing sustainable wastewater irrigation. A theme that emerges is that wastewater irrigation is not only more common in water-stressed regions such as the Near East, but the rationale for the practice also tends to differ between the developing and developed worlds. In developing nations, the prime drivers are livelihood dependence and food security, whereas environmental agendas appear to hold greater sway in the developed world. The following were identified as areas requiring greater understanding for the long-term sustainability of wastewater irrigation: (i) accumulation of bioavailable forms of heavy metals in soils, (ii) environmental fate of organics in wastewater-irrigated soils, (iii) influence of reuse schemes on catchment hydrology, including transport of salt loads, (iv) risk models for helminth infections (pertinent to developing nations), (v) microbiological contamination risks for aquifers and surface waters, (vi) transfer efficiencies of chemical contaminants from soil to plants, (vii) health effects of chronic exposure to chemical contaminants, and (viii) strategies for engaging the public.<br /

Attitudes towards the implementation of universal umbilical artery lactate analysis in a South African district hospital

BACKGROUND : Of the 5.54 million stillbirths and neonatal deaths occurring globally each year, a significant amount of these occur in the setting of inadequate intrapartum care. The introduction of universal umbilical artery lactate (UA) measurements in this setting may improve outcomes by providing an objective measurement of quality of care and stimulating case reflection, audit, and practice change. It is important that consideration is given to the barriers and facilitators to implementing this tool outside of a research setting. METHODS : During the period 16/11/2014 -13/01/2015, we conducted a training course in cardiotocograph (CTG) interpretation, fetal physiology, and the sampling and analysing of UA lactate, with a pre and post questionnaire aimed at assessing the barriers and facilitators to the introduction of universal UA lactate in a district hospital in the Eastern Cape, South Africa. RESULTS : Thirty-five pre-training questionnaires available (overall response rate 95 %) and 22 post training questionnaires (response rate 63 %) were available for analysis. Prior to training, the majority gave positive responses (strongly agree or agree) that measuring UA lactate assists neonatal care, is protective for staff medicolegally, and improves opportunities for audit and teaching of maternity practice (n = 33, 30, 32; 94.4 %, 85.7 %, 91.4 % respectively). Respondents remained positive about the benefits post training. An increased workload on medical or midwifery staff was less likely to be seen as barrier following training (71 vs. 38.9 % positive response, p = 0.038). A higher rate of respondents felt that expense and lack of equipment were likely to be barriers after completing training, although this wasn’t significant. There was a trend towards lack of time and expertise being less likely to be seen as barriers post training. CONCLUSION : The majority of participants providing intrapartum care in this setting are positive about the role of universal UA lactate analysis and the potential benefits it provides. Training aids in overcoming some of the perceived barriers to implementation of universal UA lactate analysis.Emma Allanson is a PhD candidate funded by the University of Western Australia with an Australian post-graduate award, and an Athelstan and Amy Saw Medical top-up scholarship, and by the Women and Infants Research Foundation with a Gordon King doctor of philosophy scholarship.http://www.biomedcentral.com/bmcpregnancychildbirtham2016Obstetrics and Gynaecolog