Nothing is free: a survey of the social cost of the main payment instruments in Hungary

The study applies two approaches for the estimation of the social costs of main payment instruments (cash, debit card and credit card transactions, credit transfers, direct debits, business-to-business direct debits, postal inpayment money orders, postal outpayment money orders for pensions) used in Hungary in 2009. The first approach is based on the current payment structure, while the second approach is based on a more modern, hypothetical payment structure involving less cash, with no use of paper-based methods. In the first approach, the social cost amounts to HUF 388 billion, i.e. 1.49% of the GDP, while in the second approach, such cost amounts to HUF 285 billion, i.e. 1.09% of the GDP. In this context, social cost means the use of all resources (time, materials and money) necessary for the execution of payments, calculated as a net value (i.e. exclusive of fees paid for payment services). Thus, HUF 103 billion could be saved in social costs if the use of payment instruments were to be modified.private cost, social cost, net private cost, unit cost, social savings, cash transactions, debit card transactions, credit card transactions, paper-based credit transfers, electronic credit transfers, direct debits, business-to-business direct debits, postal inpayment money orders, postal outpayment money orders for pensions

The role of the interchange fee in card payment systems

The interchange fee applied in four-party card systems transfers incomes in the payment card business from merchants to cardholders. Assessment of the interchange fee and the interpretation of its role have prompted serious professional debate in recent years. Beyond the professional debate, competition proceedings were also launched in connection with interbank agreements related to the interchange fee and the setting of the fee, but so far specific regulation has been adopted only in a few countries. The first part of the study describes the function of the interchange fee and the related economic theories, followed by a discussion of issues arising in connection with the interchange fee from the point of view of competition authorities and regulators. The second part of the study presents the results of analyses relating to the Hungarian payment card market and interchange fees. On the basis of these results, we conclude that prudent regulatory intervention, taking into account both primary and secondary market effects, may be justified in relation to the interchange fee, due to the structure and level of development of the Hungarian market

Expression of lymphocyte activation markers of preterm neonates is associated with perinatal complications

BACKGROUND: Inappropriate activation of T lymphocytes plays an important role in perinatal complications. However, data on T lymphocyte activation markers of preterm infants is scarce. We investigated the association between gender, gestational and postnatal age, preeclampsia (PE), premature rupture of membranes (PROM) as well as prenatal steroid treatment (PS) and the frequency of activated T lymphocyte subsets (HLA-DR+, CD69+, CD25+, CD62L+) and major T lymphocyte subpopulations (CD4, CD8, Th1, Th2, naive, memory) in peripheral blood during the first postnatal week in preterm infants. RESULTS: Cord blood and peripheral blood samples were collected from 43 preterm infants on the 1st, 3rd, and 7th days of life. We assessed the frequency of the above T lymphocyte subsets using flow cytometry. The 'mixed effect model' was used to analyze the effects of clinical parameters on T lymphocyte markers. The frequency of CD25+ T lymphocytes was higher in PROM. The frequency of CD4+ and CD8+ cells and the CD4+/CD8+ cell ratio was decreased in PE. The frequency of CD62L+ T lymphocytes was higher in male compared with female infants. PS did not affect the frequency of the investigated markers. CD4+ CD25+ cells had a lower frequency at birth than on day 7. Th2 lymphocytes had a lower frequency on postnatal days 1 and 3 when compared to day 7. CONCLUSIONS: Our observations indicate that alterations affecting the expression of T lymphocyte activation markers are associated with the above factors and may play a role in the development of perinatal complications

Nothing is free: A survey of the social cost of the main payment instruments in Hungary

The study applies two approaches for the estimation of the social costs of main payment instruments (cash, debit card and credit card transactions, credit transfers, direct debits, business-to-business direct debits, postal inpayment money orders, postal outpayment money orders for pensions) used in Hungary in 2009. The first approach is based on the current payment structure, while the second approach is based on a more modern, hypothetical payment structure involving less cash, with no use of paper-based methods. In the first approach, the social cost amounts to HUF 388 billion, i.e. 1.49% of the GDP, while in the second approach, such cost amounts to HUF 85 billion, i.e. 1.09% of the GDP. In this context, social cost means the use of all resources (time, materials and money) necessary for the execution of payments, calculated as a net value (i.e. exclusive of fees paid for payment services). Thus, HUF 103 billion could be saved in social costs if the use of payment instruments were to be modified

Expression of VEGF in neonatal urinary obstruction: does expression of VEGF predict hydronephrosis?

BACKGROUND In animal studies, the inhibition of VEGF activity results in high mortality and impaired renal and glomerular development. Mechanical stimuli, like mechanical stretch in respiratory and circulatory systems, results in an elevated expression of VEGF. In animal models, the experimental urinary obstruction is associated with stretching of tubular cells and activations of the renin-angiotensin system. This results in the upregulation of vascular endothelial growth factor (VEGF) and TNF-alfa. MATERIAL AND METHODS Tissue samples from urinary tract obstruction were collected and immunohistochemistry was performed in 14 patients (average age: 7.1+/-4.1 years). The control histology group consisted of ureteropelvic junction tissue from 10 fetuses after midtrimester artificial abortion. The fetuses did not have any failure at ultrasound screening and pathological examination. The mean gestational age was 20.6 weeks of gestation (+/-2.2SD). Expression of VEGF was detected with immunohistochemistry method. RESULTS Expression of VEGF was found in varying intensity in the submucosa and subserosa layers, but only in the test tissue (placental tissue). The tissue of the patients with urinary obstruction and the tissue of the fetal ureteropelvic junction without urinary obstruction were negative for expression of VEGF. The repeated examination showed negative cells and no color staining. CONCLUSIONS The pressure due to congenital urogenital obstruction resulting in mechanical stress in cells did not increase the expression of VEGF in young children in our study. To find a correlation between urogenital tract obstruction and increased expression of VEGF, we need to perform more examinations because the connection may be of therapeutic significance

Az 500 gramm alatti születési sulyú koraszülöttek túlélésének változása klinikánkon.

INTRODUCTION: The mortality and morbidity of extremely low birth weight infants (birth weight below 1000 grams) are different from low birth weight and term infants. The Centers for Disease Control statistics from the year 2009 shows that the mortality of preterm infants with a birth weight less than 500 grams is 83.4% in the United States. In many cases, serious complications can be expected in survivals. AIM: The aim of this retrospective study was to find prognostic factors which may improve the survival of the group of extremely low birth weight infants (<500 grams). METHOD: Data of extremely low birth weight infants with less than 500 grams born at the 1st Department of Obstetrics and Gynecology, Semmelweis University between January 1, 2006 and June 1, 2012 were analysed, and mortality and morbidity of infants between January 1, 2006 and December 31, 2008 (period I) were compared those found between January 1, 2009 and June 1, 2012 (period II). Statistical analysis was performed with probe-t, -F and -Chi-square. RESULTS: Survival rate of extremely low birth weight infants less than 500 grams in period 1 and II was 26.31% and 55.17%, respectively (p = 0.048), whereas the prevalence of complications were not significantly different between the period examined. The mean gestational age of survived infants (25.57 weeks) was higher than the gestational age of infants who did not survive (24.18 weeks) and the difference was statistically significant (p = 0.0045). CONCLUSIONS: Education of the team of the Neonatal Intensive Care Unit, professional routine and technical conditions may improve the survival chance of preterm infants. The use of treatment protocols, conditions of the Neonatal Intensive Care Unit and steroid prophylaxis may improve the survival rate of extremely low birth weight infants. Orv. Hetil., 2015, 156(10), 404-408

Sound theoretical knowledge as a remedy for practical organizational problems

Establishing an organization, setting it on the track of development is becoming a more and more complicated task and in most cases, requires expert knowledge. Scientific organizational theory offers a great variety of applicable methods and tools for small and young enterprises as support for their design and development. The performed case study is based on the consultancy work at the local Business Incubator in Subotica. This article presents the author’s approach, examination and description of some of the most common problems of small enterprises. A number of organizational theoretical terms were considered and have been connected with the specific case. The basic aim of the project was to solve a set of actual organizational problems for one of the business incubator tenants. The analyzed group of problems were related to the structural design of an organization (e.g. existing simple structure vs. functional), division of labor, job design, decentralization, delegation, formalization and standardization and the span of control. The applied methods were based on classical organization theory, contingency theory, Adizes life cycle of organizations and other different partial approaches. Far from the full set of factors that an up-to-date contingency survey uses, this article considers only a few aspects with special focus on small enterprises and their typical symptoms. While the task was successfully completed, this combined approach seems to lend proof to the problem solving possibilities of such methodical approach of applying organizational theoretical knowledge in practice