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Sample records for premium tomato market

  1. The equity risk premium : emerging versus developed markets

    NARCIS (Netherlands)

    Salomons, R.M.; Grootveld, H.

    2002-01-01

    This paper gives an empirical view of the ex-post equity risk premium in a number of international markets with special attention to emerging ones. Our study yields interesting implications for finance. Firstly, we find that the equity risk premium in emerging markets is significantly higher than in

  2. Premium variation in the individual health insurance market.

    Science.gov (United States)

    Herring, B; Pauly, M V

    2001-03-01

    Recent proposals to decrease the number of uninsured in the U.S. indicate that the individual health insurance market's role may increase. Amid fears of possible risk-segmentation in individual insurance, there exists limited information of the functioning of such markets. This paper examines the relationship between expected medical expense and actual paid premiums for households with individual insurance in the 1996-1997 Community Tracking Study's Household Survey. We find that premiums vary less than proportionately with expected expense and vary only with certain risk characteristics. We also explore how the relationship between risk and premiums is affected by local regulations and market characteristics. We find that premiums vary significantly less strongly with risk for persons insured by HMOs and in markets dominated by managed care insurers.

  3. Stock Market Integration: Are Risk Premiums of International Assets Equal?

    Directory of Open Access Journals (Sweden)

    Kusdhianto Setiawan

    2014-02-01

    Full Text Available This paper studies previous research on capital market integration and applies a simple international capital asset pricing model by considering the incompleteness in market integration and heteroscedasticity of the market returns. When we disregarded those two factors, we found that stock markets were integrated and the law of one price on risk premiums prevails. However, when the factors were considered, the markets were just partially integrated.

  4. The Forward Premium Anomaly in the Foreign Exchange Markets

    Directory of Open Access Journals (Sweden)

    Nessrine Hamzaoui Aloui

    2013-10-01

    Full Text Available The purpose of this paper is to address the issue of the forward premium anomaly by using two different approaches: the long memory process and Multivariate GARCH. Initially, through the ARFIMA model, we study the properties of the forward premium on foreign exchange markets, including the presence of any long memory. Since the univariate study framework obscures the effect of conditional covariances in the measurement of risk, the transition to a more parsimonious multivariate framework is required. Therefore, we estimate, in a second time, the DCC-MVGARCH model to capture the dynamic links between forward premium series and the spot exchange return. The estimation results argue in favor of a forward premium that exhibits a phenomenon of long memory. In addition, they reveal the existence of a significant correlation sensitivity to shocks following a process of mean reversion and the detection of a strong correlation between these forward premiums and low correlation between the forward premium and the spot exchange return.

  5. Business Cycle and Risk Premium in the Colombian Stock Market

    Directory of Open Access Journals (Sweden)

    Andrés Mauricio Gómez Sánchez

    2013-11-01

    Full Text Available Through the Hodrick-Prescott methodology this paper presents a review about the relationship between the ex post risk premium of the stock market and business cycles observed in Colombia. Through quarterly information from the fourth quarter of 2001 to the third quarter of 2012, statistical evidence shows that the increase and decrease of ex post risk premium follow a countercyclical behavior in tune with existing research conducted about the United States and emerging economies, although with non-contemporary relationships with private consumption. In addition, it is found that in the last decade the Colombian risk premium follows a process of Auto Regressive Moving Average Models (ARMA, showing that there is no variation in at least two consecutive quarters and whose behavior is generated in part by external events at the domestic economic activity level experienced in near past periods.

  6. Premium Efficiency Motors And Market Penetration Policy

    Energy Technology Data Exchange (ETDEWEB)

    Benhaddadi, Mohamed; Olivier, Guy

    2010-09-15

    This paper illustrates the induced enormous energy saving potential, permitted by using high-efficiency motors. Furthermore, the most important barriers to larger high-efficiency motors utilization are identified, and some incentives recommendations are given to overcome identified impediments. The authors consider that there is a strong case to enhance incentives policies for larger market penetration. The US Energy Policy Act and the Canadian Energy Efficient Act have lead to North American leadership on motor efficiency implementation. North America is not on the leading edge for energy saving and conservation. Motor efficiency is an exception that should be at least maintained.

  7. Estimate of Market Risk Premium by Considering the Market Leverage in Tehran Stock Exchange

    Directory of Open Access Journals (Sweden)

    Hamid Reza Shammakhi

    2016-03-01

    Full Text Available In this study, the method of calculating the market risk premium with respect to the market leverage was presented and it was studied which method has the accuracy of better estimate in Tehran Stock Exchange. This study seeks to provide and introduce more appropriate and accurate measures in order to measure market risk premium in order to better predict the expected return on the investment in the Tehran Stock Exchange. Returns expected by investors of the stocks of companies with high leverage are more than any other stocks with low leverage. Creditors have a higher priority against the company’s assets and cash money which contributes to an increase in the investors’ risk and therefore it would increase the expected returns and efficiency. Three types of definition and subsequently three CAPM models of Ibbotson, Lally and Siegel were introduced to calculate and evaluate market risk premium, and its accuracy in forecasting investors’ expected returns was tested. In this regard, based on simple random sampling and based on Cochran formula data collected from 69 firms listed in the Tehran Stock Exchange from 2008 to 2014 with panel data model, three-month returns of the sample companies were calculated and used as the basis for the test. The results show that Lally model (leverage effect of the market compared with Ibbotson and Siegel models explained the strong stock market returns.

  8. How do health insurer market concentration and bargaining power with hospitals affect health insurance premiums?

    Science.gov (United States)

    Trish, Erin E; Herring, Bradley J

    2015-07-01

    The US health insurance industry is highly concentrated, and health insurance premiums are high and rising rapidly. Policymakers have focused on the possible link between the two, leading to ACA provisions to increase insurer competition. However, while market power may enable insurers to include higher profit margins in their premiums, it may also result in stronger bargaining leverage with hospitals to negotiate lower payment rates to partially offset these higher premiums. We empirically examine the relationship between employer-sponsored fully-insured health insurance premiums and the level of concentration in local insurer and hospital markets using the nationally-representative 2006-2011 KFF/HRET Employer Health Benefits Survey. We exploit a unique feature of employer-sponsored insurance, in which self-insured employers purchase only administrative services from managed care organizations, to disentangle these different effects on insurer concentration by constructing one concentration measure representing fully-insured plans' transactions with employers and the other concentration measure representing insurers' bargaining with hospitals. As expected, we find that premiums are indeed higher for plans sold in markets with higher levels of concentration relevant to insurer transactions with employers, lower for plans in markets with higher levels of insurer concentration relevant to insurer bargaining with hospitals, and higher for plans in markets with higher levels of hospital market concentration. Copyright © 2015 Elsevier B.V. All rights reserved.

  9. Differing Impacts Of Market Concentration On Affordable Care Act Marketplace Premiums.

    Science.gov (United States)

    Scheffler, Richard M; Arnold, Daniel R; Fulton, Brent D; Glied, Sherry A

    2016-05-01

    Recent increases in market concentration among health plans, hospitals, and medical groups raise questions about what impact such mergers are having on costs to consumers. We examined the impact of market concentration on the growth of health insurance premiums between 2014 and 2015 in two Affordable Care Act state-based Marketplaces: Covered California and NY State of Health. We measured health plan, hospital, and medical group market concentration using the well-known Herfindahl-Hirschman Index (HHI) and used a multivariate regression model to relate these measures to premium growth. Both states exhibited a positive association between hospital concentration and premium growth and a positive (but not statistically significant) association between medical group concentration and premium growth. Our results for health plan concentration differed between the two states: It was positively associated with premium growth in New York but negatively associated with premium growth in California. The health plan concentration finding in Covered California may be the result of its selectively contracting with health plans.

  10. Plan-provider integration, premiums, and quality in the Medicare Advantage market.

    Science.gov (United States)

    Frakt, Austin B; Pizer, Steven D; Feldman, Roger

    2013-12-01

    To investigate how integration between Medicare Advantage plans and health care providers is related to plan premiums and quality ratings. We used public data from the Centers for Medicare and Medicaid Services (CMS) and the Area Resource File and private data from one large insurer. Premiums and quality ratings are from 2009 CMS administrative files and some control variables are historical. We estimated ordinary least-squares models for premiums and plan quality ratings, with state fixed effects and firm random effects. The key independent variable was an indicator of plan-provider integration. With the exception of Medigap premium data, all data were publicly available. We ascertained plan-provider integration through examination of plans' websites and governance documents. We found that integrated plan-providers charge higher premiums, controlling for quality. Such plans also have higher quality ratings. We found no evidence that integration is associated with more generous benefits. Current policy encourages plan-provider integration, although potential effects on health insurance products and markets are uncertain. Policy makers and regulators may want to closely monitor changes in premiums and quality after integration and consider whether quality improvement (if any) justifies premium increases (if they occur). © Health Research and Educational Trust.

  11. Plan–Provider Integration, Premiums, and Quality in the Medicare Advantage Market

    Science.gov (United States)

    Frakt, Austin B; Pizer, Steven D; Feldman, Roger

    2013-01-01

    Objective. To investigate how integration between Medicare Advantage plans and health care providers is related to plan premiums and quality ratings. Data Source. We used public data from the Centers for Medicare and Medicaid Services (CMS) and the Area Resource File and private data from one large insurer. Premiums and quality ratings are from 2009 CMS administrative files and some control variables are historical. Study Design. We estimated ordinary least-squares models for premiums and plan quality ratings, with state fixed effects and firm random effects. The key independent variable was an indicator of plan–provider integration. Data Collection. With the exception of Medigap premium data, all data were publicly available. We ascertained plan–provider integration through examination of plans’ websites and governance documents. Principal Findings. We found that integrated plan–providers charge higher premiums, controlling for quality. Such plans also have higher quality ratings. We found no evidence that integration is associated with more generous benefits. Conclusions. Current policy encourages plan–provider integration, although potential effects on health insurance products and markets are uncertain. Policy makers and regulators may want to closely monitor changes in premiums and quality after integration and consider whether quality improvement (if any) justifies premium increases (if they occur). PMID:23800017

  12. The Value Premium on the Danish Stock Market

    DEFF Research Database (Denmark)

    Risager, Ole

    2005-01-01

    A number of influential studies have documented a strong value premium for US stocks over the period 1963 to 1990 (Fama and French (1992), Lakonishok et al. (1994)). Stocks with low price-earnings multiples, price-book values and other measures of value are reported to have given a higher mean re......,98)) or mispricing as emphasized by the Behavioral Finance School (Chan et al. (2000), Lakonishok et al. (1994) and La Porta et al. (1997))....

  13. The effect of virtual bidding on forward premiums in the New York wholesale energy market

    Science.gov (United States)

    Knudsen, Andrew D.

    In many parts of the United States, the power industry has been deregulated and replaced with regional wholesale energy markets, where utilities purchase electricity from generators at competitive market rates for subsequent distribution to customers. Numerous studies have shown that in each of these markets, the price of energy purchased in the Day Ahead (futures) market exceeds the price in the Real Time (spot) market on average. The existence of this "forward premium" is evidence of market inefficiency and may indicate participants' aversion to risk in the Real Time market or the exercise of market power by generators. To address this inefficiency, the New York Independent System Operator introduced a virtual bidding system within its wholesale market, which permitted participants to engage in purely financial transactions and hedge their exposure to risk. The new policy was expected to promote price convergence by allowing bidders to arbitrage expected differences between Day Ahead and Real Time prices. This study examines whether the presence of virtual bidding was associated with a change in the mean value and magnitude of forward premiums in the NYISO energy market. The study applies a GARCH model to hourly pricing data from 2001 to 2009, controlling for temperature and economic activity. The results indicate that prior to 2005, virtual bidding was associated with significantly lower and less volatile forward premiums in New York's five most congested zones but with increased premiums in the remaining less congested zones. However, when the entire period from 2001 to 2009 is examined, the results suggest that prices have become significantly more divergent in the presence of virtual bidding. Closer examination of the data reveals a dramatic increase in forward premium volatility across all zones beginning in 2005 that is not accounted for by temperature or economic activity and may have biased the results. This study attempts to account for this unexplained

  14. ECONOMICS OF TOMATO MARKETING IN ASHANTI REGION, GHANA

    OpenAIRE

    Camillus Abawiera Wongnaa; Stephen Opoku Mensah; Alexander Ayogyam; Lydia Asare-Kyire; Zu Kwame Seyram Anthony

    2014-01-01

    The perishable nature of most agricultural produce and the concomitant need for effective marketing outlets carries along huge economic consequences, especially in developing countries like Ghana. This study examines the determinants of profit in tomato marketing in the Ashanti Region of Ghana. Cross-sectional data collected from a random sample of 200 tomato marketers consisting of 100 wholesalers and 100 retailers were analyzed using descriptive statistics and the multiple linear regression...

  15. Value Premium and Country Risk as Dimensions to Estimate Conditional Returns: a Study of the Brazilian Market

    Directory of Open Access Journals (Sweden)

    Lilian de Castro Medeiros

    2015-01-01

    Full Text Available Asset pricing is a widely explored theme in the financial literature. Nevertheless, the phenomenon of value premium is still controversial, since although easily detected in developed and emerging markets, little is know about the economic forces that explain its existence. In this context, this article examines value premium in the Brazilian market and investigates the influence of the country risk variable as an additional risk factor for estimating conditional returns in this market not captured by value premium. For that, we employ a five-factor model, formulated by adding the country risk factor to the model of Carhart (1997. We apply the statistical procedure adopted by Fama & French (1993 to the period between 1994 and 2012, with data on nonfinancial companies listed on the BM&FBovespa. The results confirm the existence of value premium in the Brazilian market, and country risk and value premium together are significant factors to explain conditional returns.

  16. Emerging Issues in Real Estate Appraisal: Market Premium for Building Sustainability

    Directory of Open Access Journals (Sweden)

    Domenico Enrico Massimo

    2013-08-01

    Full Text Available In international and metropolitan real estate markets, it has been detected, for the first time, the growing relevance of green buildings with respect to non-green building. Also, it has been singled out and then quantified through regression analysis a green premium, i.e. a differential in terms of price toward sold real estate units having ecological characteristics along with an energy value (more efficient behavior. The incipient international studies recommend to extend the analysis to unexplored middle-size non-metropolitan (marginal real estate markets. One of this areas has been studied detecting the first sale of an apartment with energy certification belonging to class B in a building with ecological characteristics. The assessment analysis performed through Market Comparison Approach, MCA, made it possible to detect and then appraise the green premium that is in line with the outcomes of the first and pioneer international studies performed in metropolitan areas.

  17. Tomatoes

    NARCIS (Netherlands)

    Heuvelink, E.

    2005-01-01

    Tomatoes are one of the most widely produced and consumed horticultural crops in the world, both for the fresh produce market and the processed food industries. This book describes the scientific principles underlying the biology and production of the tomato crop, both in the open field and in green

  18. Price volatility, hedging and variable risk premium in the crude oil market

    Energy Technology Data Exchange (ETDEWEB)

    Ahmad Jalali-Naini [Institute for Education and Research in Management and Planning, Tehran (Iran); Maryam Kazemi Manesh [University of Mannheim (Germany)

    2006-06-15

    The crude oil price exhibits a high degree of volatility which varies significantly over time. Such characteristics imply that the oil market is a promising area for testing volatility models. Testing and predicting volatility using ARCH and GARCH models have grown in the literature. A useful application of the volatility models is in the formulation of hedging strategies. In this paper we compare the optimal hedge ratio for the crude oil using the classical minimum risk approach and use ARCH to incorporate the effect of heteroskedasticity in the residuals on the hedge ratio. In addition, we test for the existence of a variable risk premium in the crude oil market. We find that, assuming rational expectations, there is a non-zero risk premium. We test for the variability of the risk premia and find evidence in its support when we employed a multivariate GARCH model. (author)

  19. Consumer attitudes and preferences for fresh market tomatoes.

    Science.gov (United States)

    Oltman, A E; Jervis, S M; Drake, M A

    2014-10-01

    This study established attractive attributes and consumer desires for fresh tomatoes. Three focus groups (n = 28 participants) were conducted to explore how consumers perceived tomatoes, including how they purchased and consumed them. Subsequently, an Adaptive Choice Based Conjoint (ACBC) survey was conducted to understand consumer preferences toward traditional tomatoes. The ACBC survey with Kano questions (n = 1037 consumers in Raleigh, NC) explored the importance of color, firmness, size, skin, texture, interior, seed presence, flavor, and health benefits. The most important tomato attribute was color, then juice when sliced, followed by size, followed by seed presence, which was at parity with firmness. An attractive tomato was red, firm, medium/small sized, crisp, meaty, juicy, flavorful, and with few seeds. Deviations from these features resulted in a tomato that was rejected by consumers. Segmentations of consumers were determined by patterns in utility scores. External attributes were the main drivers of tomato liking, but different groups of tomato consumers exist with distinct preferences for juiciness, firmness, flavor, and health benefits. Conjoint analysis is a research technique that collects a large amount of data from consumers in a format designed to be reflective of a real life market setting and can be combined with qualitative insight from focus groups to gain information on consumer consumption and purchase behaviors. This study established that the most important fresh tomato attributes were color, amount of juice when sliced, and size. Distinct consumer clusters were differentiated by preference for color/appearance, juiciness and firm texture. Tomato growers can utilize the results to target attributes that drive consumer choice for fresh tomatoes. © 2014 Institute of Food Technologists®

  20. ECONOMICS OF TOMATO MARKETING IN ASHANTI REGION, GHANA

    Directory of Open Access Journals (Sweden)

    Camillus Abawiera Wongnaa

    2014-02-01

    Full Text Available The perishable nature of most agricultural produce and the concomitant need for effective marketing outlets carries along huge economic consequences, especially in developing countries like Ghana. This study examines the determinants of profit in tomato marketing in the Ashanti Region of Ghana. Cross-sectional data collected from a random sample of 200 tomato marketers consisting of 100 wholesalers and 100 retailers were analyzed using descriptive statistics and the multiple linear regression technique of the ordinary least squares. The results show that wholesalers have a higher margin of 99.7 percent, while the retailers have a margin of 75.4 percent. Labour cost, purchase price, transportation cost and selling price run through all the estimated regressions as determinants of marketing profit. The effects of these variables on marketing profit could raise public concern since they have implications on prices received by tomato producers and those paid by final consumers and therefore there is the need for the government to devise policies aimed at stabilizing the local currency.The results also call for policy efforts to completely eliminate illiteracy among tomato traders in Ghana especially in the Ashanti Region. Policies that could enable the retailers to increase their scale of operations are also advocated. Future researchers may also estimate the exact point in the age variable at which retail profit declines and possible antecedents.

  1. Improving the Tanzanian-Mombasa cross-border tomato product chain: a study of Mombasa tomato market : draft report

    NARCIS (Netherlands)

    Onduru, D.; Wiersinga, R.C.; Jager, de A.

    2008-01-01

    The study of Mombasa tomato market is part of the project “Development of Commercial Field Vegetable Production, Distribution and Marketing for the East African Market”. The project is implementing a pilot activity on improving crossborder tomato chains from Ngarenanyuki, Tanzania, to Mombasa, Kenya

  2. Improving the Tanzanian-Mombasa cross-border tomato product chain: a study of Mombasa tomato market : draft report

    NARCIS (Netherlands)

    Onduru, D.; Wiersinga, R.C.; Jager, de A.

    2008-01-01

    The study of Mombasa tomato market is part of the project “Development of Commercial Field Vegetable Production, Distribution and Marketing for the East African Market”. The project is implementing a pilot activity on improving crossborder tomato chains from Ngarenanyuki, Tanzania, to Mombasa,

  3. Estimating the country risk premium in emerging markets: the case of the Republic of Macedonia

    Directory of Open Access Journals (Sweden)

    Aleksandar Naumoski

    2012-12-01

    Full Text Available Estimation of the cost of capital is difficult in developed markets and even more difficult in emerging markets. Investments in the emerging markets are more risky than in the developed markets but return is also higher. The key question here is whether the return on investments in emerging markets should be rewarded by compensation in excess of that provided by an equivalent investment in a developed market. Contemporary literature provides alternative ways for calculating the cost of capital invested in emerging markets. In general, it can be concluded that it is widely accepted that country risk matters when investing in emerging markets and it is a key component in the estimation of the cost of capital for those investments. Country risk is non-diversifiable, which will be argued in this paper first, after which an alternative approach will be provided for quantification of country risk in the risk premium measure, which is integral component in the models for estimating the cost of capital.

  4. Farmgate private standards and price premium: evidence from the GlobalGAP scheme in Kenya's French beans marketing

    NARCIS (Netherlands)

    Kariuki, I.M.; Loy, J.P.; Herzfeld, T.

    2012-01-01

    The proliferation of private quality and assurance schemes in international trade is defining market access in high value chains. The prime concern for small-scale producers is whether price premiums are realizable due to compliance. Using French beans marketing, the authors find that GlobalGAP cert

  5. Fresh Market Tomato Pruning Trial for Northern Indiana, 2001

    OpenAIRE

    2001-01-01

    Pruning tomatoes is known to increase average fruit size and decrease total yield. Effects on marketable yield and early yield vary among cultivars and with the degree of pruning. This trial was conducted to evaluate a range of pruning treatments on two cultivars grown in the Midwest: Mountain Spring and Florida 91. Florida 91 has a larger vine and is later-maturing than Mountain Spring. The trial was conducted at the Pinney-Purdue Agricultural Center in Wanatah, Indiana.

  6. Estimating Price Premiums for Breads Marketed as “Low-Carbohydrate Breadsâ€

    OpenAIRE

    Nganje, William E.; Kaitibie, Simeon; Wachenheim, Cheryl J.; Acquah, Emmanuel T.; Matson, Joel; Johnson, Grant

    2008-01-01

    Retail data are used in a hedonic pricing framework to estimate the premium paid for the “low-carbohydrate†attribute and other attributes of bread at grocery and non-grocery stores in a regional market. Results show that consumer willingness to pay is influenced by the “low-carbohydrate†attribute as well as by sugar, fiber, and fat content; serving size; and size of loaf. Implicit price premiums vary significantly by retail location. However, price differentials may be compounded by t...

  7. Farmgate Private Standards and Price Premium: Evidence From the GlobalGAP Scheme in Kenya's French Beans Marketing

    OpenAIRE

    Kariuki, Isaac Maina; Loy, Jens-Peter; Herzfeld, Thomas

    2012-01-01

    The proliferation of private quality and assurance schemes in international trade is defining market access in high value chains. The prime concern for small-scale producers is whether price premiums are realizable due to compliance. Using French beans marketing, the authors find that GlobalGAP certification, produce traceability, number of suppliers, competition for supplies, direct procurement, a good road network, and supply contracts have positive farmgate price effects for smallholders. ...

  8. Contamination of tomatoes with coliforms and Escherichia coli on farms and in markets of northwest Nigeria.

    Science.gov (United States)

    Shenge, Kenneth C; Whong, Clement M Z; Yakubu, Lydia L; Omolehin, Raphael A; Erbaugh, J Mark; Miller, Sally A; LeJeune, Jeffrey T

    2015-01-01

    Although recent reports indicated that produce contamination with foodborne pathogens is widespread in Nigeria, the sources and magnitude of microbial contamination of fruits and vegetables on farms and in markets have not been thoroughly identified. To ascertain possible pathways of contamination, the frequency and magnitude of coliform and Escherichia coli contamination of tomatoes produced in northwest Nigeria was assessed on farms and in markets. Eight hundred twenty-six tomato fruit samples and 36 irrigation water samples were collected and assessed for fecal indicator organisms. In addition, the awareness and use of food safety practices by tomato farmers and marketers were determined. Median concentration of coliforms on all field- and market-sourced tomato fruit samples, as well as in irrigation water sources, in Kaduna, Kano, and Katsina states exceeded 1,000 most probable number (MPN) per g. Median E. coli counts from 73 (17%) of 420 field samples and 231 (57%) of 406 market tomato fruit samples exceeded 100 MPN/g. Median E. coli concentrations on tomato fruits were higher (P market tomato fruit samples (2.66 Log MPN/g) were higher (P marketers were generally unaware of the relationship between food safety practices and microbial contamination on fresh produce. Good agricultural practices pertaining to food safety on farms and in local markets were seldom used. Adoption of food safety practices on-farm, during transport, and during marketing could improve the microbial quality of tomatoes available to the public in this region of the world.

  9. PRODUCTION AND MARKETABILITY OF CONVENTIONAL, SUSTAINABLE AND ORGANIC PRODUCED TOMATOES

    Directory of Open Access Journals (Sweden)

    Dean BAN

    2007-07-01

    Full Text Available Conventional agricultural production is denoted by high levels of chemisation, strait specialised production, high yields and low costs per production unit, however this production causes risky interventions, which could affect negatively on environment and human health Research results indicate possibilities for growing vegetables in alternative systems, less risky for environment with satisfying economic success. The aim of this research was to determine economic success of organic, sustainable and conventional production of tomato in the Mediterranean area of Republic Croatia. Bianual research was conducted during 2002/2003. During vegetation we examined parameters of growth, marketable yields and costs for materials, work and machinery which are used in economic analysis. Economical analysis of tomatoes production indicate worst results in organic production system. Loses in tomatoes organic production were consequences of two main factors: lower marketed yield and equal product price for all three production types. Lower yields in organic production were expected, therefore bad financial results were caused by mainly low market prices, which do not validate quality and food safety. Therefore financial success is preconditioned by higher market validation, which can be obtained through market analysis and product development. Consumer awareness about organic agriculture is still very weak and this point requires further attention. The link between organic agriculture and the environment/nature protection is missing too. The purchase of organic food is influenced by the level of information and knowledge of consumers with reference to these products. Doubts about the truthfulness and significance of some data were raised by main places where organic food is purchased, since an excessive greatest limitations are high prices and a low level of information to consumers. Current standard of life of most Croatian consumers does not permit them to

  10. Chemical and sensory analysis of commercial tomato juices present on the Italian and Spanish markets.

    Science.gov (United States)

    Vallverdú-Queralt, Anna; Bendini, Alessandra; Tesini, Federica; Valli, Enrico; Lamuela-Raventos, Rosa Maria; Toschi, Tullia Gallina

    2013-02-06

    A quantitative descriptive analysis was developed to characterize the sensory quality of a set of 12 organic and conventional tomato juices sold in Spanish and Italian markets. The volatile compounds of tomato juices were also studied. Twelve sensory descriptors, selected by a trained panel, evaluated the sensory profile of the samples. Some tomato juices were characterized by dominant positive notes typical of tomatoes (tomato paste, vegetable notes), whereas others by negative sensory attributes (off-flavors, high intensity of acidity, and sweetness). The volatile pattern of the samples, studied by SPME/GC-MS, was correlated with the sensory results: basically, organic tomato juices were characterized by vegetable notes and higher volatile compounds than conventional samples, regardless of their geographical origin. Conventional tomato juices were grouped in a closer cluster, whereas organic tomato juices were more diversified. Moreover, "defective" samples showed higher amounts of 3-methyl-1-butanol.

  11. Estimating organic, local, and other price premiums in the Hawaii fluid milk market.

    Science.gov (United States)

    Loke, Matthew K; Xu, Xun; Leung, PingSun

    2015-04-01

    With retail scanner data, we applied hedonic price modeling to explore price premiums for organic, local, and other product attributes of fluid milk in Hawaii. Within the context of revealed preference, this analysis of organic and local attributes, under a single unified framework, is significant, as research in this area is deficient in the existing literature. This paper finds both organic and local attributes delivered price premiums over imported, conventional, whole fluid milk. However, the estimated price premium for organic milk (24.6%) is significantly lower than findings in the existing literature. Likewise, the price premium for the local attribute is estimated at 17.4%, again substantially lower compared with an earlier, stated preference study in Hawaii. Beyond that, we estimated a robust price premium of 19.7% for nutritional benefits claimed. The magnitude of this estimated coefficient reinforces the notion that nutrition information on food is deemed beneficial and valuable. Finally, package size measures the influence of product weight. With each larger package size, the estimate led to a corresponding larger price discount. This result is consistent with the practice of weight discounting that retailers usually offer with fresh packaged food. Additionally, we estimated a fairly high Armington elasticity of substitution, which suggests a relatively high degree of substitution between local and imported fluid milk when their relative price changes. Overall, this study establishes price premiums for organic, local, and nutrition benefits claimed for fluid milk in Hawaii.

  12. Impact of the market premium on direct marketers. An agency-based model approach; Auswirkungen der Marktpraemie auf die Akteure der Direktvermarktung. Ein agentenbasierter Modellansatz

    Energy Technology Data Exchange (ETDEWEB)

    Wassermann, Sandra; Hauser, Wolfgang [ZIRIUS Univ. Stuttgart (Germany); Reeg, Matthias [Deutsche Forschungsanstalt fuer Luft- und Raumfahrt e.V. (DLR), Stuttgart (Germany). Inst. fuer Technische Thermodynamik

    2012-09-15

    By introducing a market premium and tightening the eligibility requirements for the green electricity privilege, the latest amendment to the Renewable Energy Law (EEG) has brought about major changes to the market for direct marketing of electricity from EEG-eligible plants. Has the new EEG made direct marketing based on the green electricity privilege unprofitable altogether, or only for individual market participants? What are the experiences and perspectives of electricity traders in regard to the new EEG and what strategies and business models have they turned to as a result? This article presents first results from a project funded by the Ministry for Environment, Nature Conservation and Reactor Safety (BMU) on the impact of the new regulatory framework for direct marketing on businesses in the renewable electricity market.

  13. 77 FR 22467 - Common Crop Insurance Regulations; Fresh Market Tomato (Dollar Plan) Crop Provisions

    Science.gov (United States)

    2012-04-16

    ... collection of administrative fees from limited resource farmers. FCIC believes this waiver helps to ensure... have a significant economic impact on the quality of the human environment, health, or safety... tomatoes and the U.S. Standards for Grades of Fresh Tomatoes, and the AMS Federal Marketing Order (FMO 966...

  14. Basic Study on Color Sorting of Fresh Market Tomatoes

    OpenAIRE

    Mohri, Kentaro; UMEDA, Shigeo; TSURUMI, Gaku

    1987-01-01

    The surface colors of tomatoes are one of decision factor for the ripeness rate of fruits, and that is mainly graded by the human sense in fact. The color sorting based on the surface colors of tomatoes was attemped by using an opto-electronic system consisting of the color sensors. The sample tomatoes of each ripeness rate were prepared and tested by the color sorting system. As the ripeness rate of tomatoes develops from unripe to ripe, the surface colors change from green to pink or red. W...

  15. The Wage Premium and Market Structure: The Case of South Korea and Taiwan

    OpenAIRE

    Yen, Meng-Feng

    2013-01-01

    We seek to understand why the difference between wages earned by skilled and unskilled labor, the so-called “wage premium”, varies across developing countries, using South Korea and Taiwan as empirical case studies. South Korea and Taiwan are both small developing countries with export-led economies that enjoy relatively high incomes compared to their Asian counterparts (excluding Japan). Between 1990 and 2000, Taiwan experienced a decrease in the wage premium, while South Korea remained the ...

  16. 76 FR 71271 - Common Crop Insurance Regulations; Fresh Market Tomato (Dollar Plan) Crop Provisions

    Science.gov (United States)

    2011-11-17

    .... * * * * * Direct marketing. The sale of the insured crop directly to consumers without the intervention of an... Internet and other information technologies to provide increased opportunities for citizen access to... meet the Agricultural Marketing Service United States Standards for Grades of Fresh Tomatoes; and the...

  17. Studies on Physical and Sensory Properties of Premium Vanilla Ice Cream Distributed in Korean Market

    OpenAIRE

    2014-01-01

    The object of this study was to investigate the difference in physical and sensory properties of various premium ice creams. The physical properties of the various ice creams were compared by manufacturing brand. The water contents of the samples differed, with BR having the highest value at 60.5%, followed by NT and CS at 57.8% and 56.9%, respectively. The higher the water content, the lower Brix and milk fat contents in all samples. The density of the samples showed almost similar values in...

  18. Studies on Physical and Sensory Properties of Premium Vanilla Ice Cream Distributed in Korean Market.

    Science.gov (United States)

    Choi, Mi-Jung; Shin, Kwang-Soon

    2014-01-01

    The object of this study was to investigate the difference in physical and sensory properties of various premium ice creams. The physical properties of the various ice creams were compared by manufacturing brand. The water contents of the samples differed, with BR having the highest value at 60.5%, followed by NT and CS at 57.8% and 56.9%, respectively. The higher the water content, the lower Brix and milk fat contents in all samples. The density of the samples showed almost similar values in all samples (p>0.05). The viscosity of each ice cream had no effect on the water content in any of the brands. Before melting of the ice cream, the total color difference was dependent on the lightness, especially in the vanilla ice cream, owing to the reflection of light on the surface of the ice crystals. The CS product melted the fastest. In the sensory test, CS obtained a significantly higher sweetness intensity score but a lower score for color intensity, probably due to the smaller difference in total color, by which consumers might consider the color of CS as less intense. From this study, the cold chain system for ice cream distribution might be important to decide the physical properties although the concentration of milk fat is key factor in premium ice cream.

  19. 7 CFR 457.128 - Guaranteed production plan of fresh market tomato crop insurance provisions.

    Science.gov (United States)

    2010-01-01

    ... the insured crop directly to consumers without the intervention of an intermediary such as a... Special Provisions. The price election you choose for each type must have the same percentage relationship...: (A) Grown fresh market tomatoes for commercial sales; or (B) Participated in the management of...

  20. Transaction costs and marketing decision: a case study of smallholder tomato farmers in Makurdi, Nigeria

    Directory of Open Access Journals (Sweden)

    Samuel O. Osebeyo

    2014-01-01

    Full Text Available This study examined the impact of transaction costs and other institutional and socio-economic factors on smallholder tomato farmers marketing decision in Makurdi Local Government Area, Benue State, Nigeria. The study used a survey data from 165 randomly selected farm households. Using a Logit model, the study found that the probability of market participation is significantly affected by transaction cost variables (namely access to market information, market distance and transport cost. Education and dependency ratio also had significant effect on decision to sell in the market. While access to market information and education significantly increase the probability of tomato farmers’ participation in the market, transport cost, market distance and dependency ratio significantly decrease the probability. The study stresses the need for government intervention by means of providing the necessary infrastructures that will help to reduce transaction costs and thus increase farmers’ participation in the market. Also policies to provide adequate and timely information about the market situations as well as polices to enhance access to education are advocated.

  1. Production, Marketing and Value Chain Mapping of 'Srijana' Tomato Hybrid Seed in Nepal

    Directory of Open Access Journals (Sweden)

    Dinesh Babu Thapa Magar

    2016-12-01

    Full Text Available A tomato variety known as ‘Srijana’ developed by Nepal Agricultural Research Council (NARC has been substantially popular among Nepalese farmers and entrepreneurs. To understand the seed value chain of the Srijana hybrid tomato, a survey was conducted in 2014/15 with public research and extension institutions, private seed companies/firms, non-governmental organization and community group including individual farmers, involved in Srijana tomato seed production. The survey covered random selection of 30 agro-vets and 30 farmers in Kathmandu valley, Kavre, Nuwakot, Dolakha and Kaski districts, Nepal where production of Srijana tomato seed is mostly concentrated. A focus group discussion was also conducted with commercial tomato farmers in each of the study districts. The study showed a total production of 293 kg Srijana seed having a value of around 47 million Nepalese Rupees (US $ 470 thousands in year 2013/14. Private sector was the dominant actor sharing about 85% of the total Srijana seed production followed by non-governmental organization (10%, farmers group (3% and governmental station/farm/centers (2%, respectively. Out of the total Srijana seed produced, about 95% was consumed in domestic market while 5% was exported to India. The study revealed increasing trend of production, supply and price of Srijana tomato seed. About 0.3 million NRs (US $ 3,000 profit was estimated through the production of Srijana tomato seed in 0.05 hectares (500 m2 of land. Agro-vets (private sector seed dealers were the major actors for supplying the seed from the producers to farms and received a higher profit margins. The farmers producing and selling the seed in technical assistance of public agencies received higher producer`s share (66.6% than farmers producing and selling seed through own group (60%, technical assistance of non-governmental organization (53.3%, and in contract with private seed companies (26.7%. Majority of commercial tomato farmers

  2. Evaluation of microbial contamination of tomatoes and peppers at retail markets in Monterrey, Mexico.

    Science.gov (United States)

    Cárdenas, Carmen; Molina, Karina; Heredia, Norma; García, Santos

    2013-08-01

    The source of a large outbreak of foodborne disease related to Salmonella-contaminated jalapeño peppers has been traced to Nuevo Leon, Mexico. The objective of this work was to evaluate the microbiological quality of tomatoes and jalapeño peppers from markets and supermarkets from the metropolitan area of Monterrey, Nuevo León, Mexico. One hundred sixty samples (40 bola tomatoes, 40 saladette [Roma] tomatoes, 40 serrano peppers, and 40 jalapeño peppers) were purchased. Stems from peppers were removed and analyzed separately. Samples were analyzed for indicator organisms and Salmonella, following the Mexican Official Methods. The results showed that the presence of indicator organisms varied among samples and origins, and levels were relatively high in peppers (average 4.4 to 4.7 log CFU/g for total mesophilic, 3.25 to 3.73 log CFU/g for total coliforms, and 1.69 log CFU/g for fecal coliforms). Saladette tomatoes and serrano peppers showed the greatest microorganism levels (∼1 log CFU/g higher) in comparison with the other varieties. Pepper stems typically had indicator microbial levels ∼1 to 2 log CFU/g higher than levels in smooth flesh. Only one tomato and one jalapeño sample were positive for Salmonella. However, in the case of the pepper, the contamination was found in the stem. Although the microbiological quality of tomatoes and peppers sampled was similar to that found in markets from developed countries, the presence of pathogens causes a risk of infection for consumers.

  3. An exploratory analysis of cigarette price premium, market share and consumer loyalty in relation to continued consumption versus cessation in a national US panel.

    Science.gov (United States)

    Lewis, Michael; Wang, Yanwen; Cahn, Zachary; Berg, Carla J

    2015-11-03

    Brand equity and consumer loyalty play a role in continued purchasing behaviour; however, this research has largely focused on non-addictive products without counter-marketing tactics. We examined the impact of brand equity (price premium, market share) and consumer loyalty (switching rates) on smoking cessation (discontinued cigarette purchases for 1 year) among smokers in a consumer panel. In Spring 2015, we analysed 1077 cigarette-purchasing households in the Nielsen Homescan Panel. We analysed cessation in relation to brand equity, consumer loyalty, other purchasing behaviours (nicotine intake, frequency), sociodemographics and tobacco control activities (per state-specific data) over a 6-year period (2004-2009) using Cox proportional hazard modelling. The sample was 13.28% African-American; the average income was $52,334 (SD=31,445). The average price premium and market share of smokers' dominant brands were $1.31 (SD=0.49) and 15.41% (SD=19.15), respectively. The mean brand loyalty level was 0.90 (SD=0.17), indicating high loyalty. In our final model, a higher price premium and market share were associated with lower quit rates (p=0.039); however, an interaction effect suggested that greater market share was not associated with lower cessation rates for African-American smokers (p=0.006). Consumer loyalty was not associated with cessation. Other predictors of lower quit rates included a higher nicotine intake (p=0.006) and baseline purchase frequency (pconsumer relationships. Thus, continued efforts should aim to regulate tobacco marketing efforts in order to disrupt these relationships to promote cessation. Published by the BMJ Publishing Group Limited. For permission to use (where not already granted under a licence) please go to http://www.bmj.com/company/products-services/rights-and-licensing/

  4. Dynamic Jump Intensities and Risk Premiums in Crude Oil Futures and Options Markets

    DEFF Research Database (Denmark)

    Christoffersen, Peter; Jacobs, Kris; Li, Bingxin

    2016-01-01

    and dynamic jump intensities in these markets. Allowing for jumps is crucial for modeling crude oil futures and futures options, and we find evidence in favor of time-varying jump intensities. During crisis periods, jumps occur more frequently. The properties of the jump processes implied by the option data......Options on crude oil futures are the most actively traded commodity options. We develop a class of computationally efficient discrete-time jump models that allow for closed-form option valuation, and we use crude oil futures and options data to investigate the economic importance of jumps...

  5. An exploratory analysis of cigarette price premium, market share and consumer loyalty in relation to continued consumption versus cessation in a national US panel

    Science.gov (United States)

    Lewis, Michael; Wang, Yanwen; Cahn, Zachary; Berg, Carla J

    2015-01-01

    Introduction Brand equity and consumer loyalty play a role in continued purchasing behaviour; however, this research has largely focused on non-addictive products without counter-marketing tactics. We examined the impact of brand equity (price premium, market share) and consumer loyalty (switching rates) on smoking cessation (discontinued cigarette purchases for 1 year) among smokers in a consumer panel. Methods In Spring 2015, we analysed 1077 cigarette-purchasing households in the Nielsen Homescan Panel. We analysed cessation in relation to brand equity, consumer loyalty, other purchasing behaviours (nicotine intake, frequency), sociodemographics and tobacco control activities (per state-specific data) over a 6-year period (2004–2009) using Cox proportional hazard modelling. Results The sample was 13.28% African-American; the average income was $52 334 (SD=31 445). The average price premium and market share of smokers’ dominant brands were $1.31 (SD=0.49) and 15.41% (SD=19.15), respectively. The mean brand loyalty level was 0.90 (SD=0.17), indicating high loyalty. In our final model, a higher price premium and market share were associated with lower quit rates (p=0.039); however, an interaction effect suggested that greater market share was not associated with lower cessation rates for African-American smokers (p=0.006). Consumer loyalty was not associated with cessation. Other predictors of lower quit rates included a higher nicotine intake (p=0.006) and baseline purchase frequency (pmarketing efforts in order to disrupt these relationships to promote cessation. PMID:26534732

  6. The market premium of the German Renewable Energy Sources Act 2012. Does it really contribute to both market and system integration of renewables?; Die Marktpraemie im EEG 2012. Ein sinnvoller Beitrag zur Markt- und Systemintegration erneuerbarer Energien?

    Energy Technology Data Exchange (ETDEWEB)

    Gawel, Erik [Helmholtz-Zentrum fuer Umweltforschung, Leipzig (Germany). Dept. Oekonomie; Univ. Leipzig (Germany). Inst. fuer Infrastruktur und Ressourcenmanagement; Purkus, Alexandra [Helmholtz-Zentrum fuer Umweltforschung (Germany). Dept. Bioenergie

    2013-03-15

    With the share of renewable energies within the electricity sector rising, improving their market integration (i.e. inclusion in the steering and remuneration processes of the electricity market) and system integration (i.e. enhanced responsibility for grid stability) is of increasing importance. To transform the energy system efficiently while ensuring security of supply, it is necessary to increase the alignment of renewable electricity production with short- and long-term market signals. The German Renewable Energy Sources Act 2012 introduced the market premium to provide market experience to renewable plant operators and incentives for demand-oriented electricity production. Shortly after its introduction, the instrument is already being criticised as ineffective and expensive. Building on early experiences, this article examines whether the market premium in its current design improves market and/or system integration, and if it seems suitable in principle to contribute to these aims (effectiveness). Also, potential efficiency gains and additional costs of ''administering integration'' are discussed (efficiency). While market integration in a strict sense (i.e. exposing renewables to price risks) is not the purpose of the market premium, it has successfully increased participation in direct marketing. However, windfall profits are high, and the benefits of gradually leading plant operators towards the market are questionable. Incentives for demand-oriented electricity production are established, but they prove insufficient particularly in the case of intermittent renewable energy sources. A continuation of the instrument in its current form therefore does not seem recommendable. To conclude, potential alternative solutions are presented.

  7. Microbiological Food Safety Status of Commercially Produced Tomatoes from Production to Marketing.

    Science.gov (United States)

    van Dyk, Brigitte N; de Bruin, Willeke; du Plessis, Erika M; Korsten, Lise

    2016-03-01

    Tomatoes have been implicated in various microbial disease outbreaks and are considered a potential vehicle for foodborne pathogens. Traceback studies mostly implicate contamination during production and/or processing. The microbiological quality of commercially produced tomatoes was thus investigated from the farm to market, focusing on the impact of contaminated irrigation and washing water, facility sanitation, and personal hygiene. A total of 905 samples were collected from three largescale commercial farms from 2012 through 2014. The farms differed in water sources used (surface versus well) and production methods (open field versus tunnel). Levels of total coliforms and Escherichia coli and prevalence of E. coli O157:H7 and Salmonella Typhimurium were determined. Dominant coliforms were identified using matrix-assisted laser desorption/ionization time-of-flight mass spectrometry. No pathogens or E. coli were detected on any of the tomatoes tested throughout the study despite the high levels of coliforms (4.2 to 6.2 log CFU/g) present on the tomatoes at the market. The dominant species associated with tomatoes belonged to the genera Enterobacter, Klebsiella, and Citrobacter. Water used on the farm for irrigation considered not fit for purpose according to national agricultural irrigation standards, with high E. coli levels resulting from either a highly contaminated source water (river water at 3.19 log most probable number [MPN]/100 ml) or improper storage of source water (stored well water at 1.72 log MPN/100 ml). Salmonella Typhimurium was detected on two occasions on a contact surface in the processing facility of the first farm in 2012. Contact surface coliform counts were 2.9 to 4.8 log CFU/cm(2). Risk areas identified in this study were water used for irrigation and poor sanitation practices in the processing facility. Implementation of effective food safety management systems in the fresh produce industry is of the utmost importance to ensure product

  8. Employer Contribution and Premium Growth in Health Insurance

    OpenAIRE

    Yiyan Liu; Ginger Zhe Jin

    2013-01-01

    We study whether employer premium contribution schemes could impact the pricing behavior of health plans and contribute to rising premiums. Using 1991-2011 data before and after a 1999 premium subsidy policy change in the Federal Employees Health Benefits Program (FEHBP), we find that the employer premium contribution scheme has a differential impact on health plan pricing based on two market incentives: 1) consumers are less price sensitive when they only need to pay part of the premium incr...

  9. [Prevalence of Listeria monocytogenes in fresh tomatoes (Lycopersicum esculentum) and coriander (Coriandrum sativum) in three markets of Valencia, Venezuela].

    Science.gov (United States)

    Ramírez Mérida, Luis Guillermo; Morón de Salim, Alba; Alfieri Graterol, Ana Yudith; Gamboa, Orlando

    2009-09-01

    The incidence of L. monocytogenes in tomatoes and coriander obtained from three different markets, during eight weeks were determined. 192 samples were evaluated: 96 of tomatoes, and 96 of coriander. The isolation of L. monocytogenes was performed using COVENIN 3718:2001. The data were analyzed by SPSS version 12.0. Kolmogorov Smirnov, Mann Whitney U, Kruskal Wallis U test; Spearman's correlation were applied, and p<0.05 significance level was aplied. It was not found significant differences between the medias values and standard deviations of Most Probable Number (MPN) of Listeria spp to tomatoes and coriander during the eight weeks of recollection in the markets; neither between the distributions of MPN of tomatoes and coriander from the markets (Chi2=5,233 p<0,073; Chi2=1,624 p<0,444 respectively) neither the samples per weeks (Chi2=6,547 p<0,477; Chi2=2,667 p<0,914 respectively). In the number of MPN between tomatoes and coriander both distributions were significant different according to test U Mann Whitney U=3040,5 (Z=-4,216 p<0,0001). It was found statistical significance (p<0,001) between the number of MPN of tomatoes and coriander. The presence of Listeria spp in tomatoe was 41,66% (25,0% L. monocytogenes and 16,7% L. ivanovii); in coriander 77,08% (36,5% L. monocytogenes, 33,3% L. ivanovii and 7,3% L. seelige). We concluded that the high level of L. monocytogenes in tomatoes and coriander is independent of the markets store; we see the necessity of a microbiological control on the irrigation system, collection and distribution to ensure the quality of the product.

  10. The conditional size premium and intertemporal risk

    DEFF Research Database (Denmark)

    de Oliveira Souza, Thiago

    2017-01-01

    The size premium only appears in states with good expected stock returns as given by several state variables, such as the aggregate book-to-market. The annual premium is 15% when this variable is within the top 33% in historical terms and an insignificant 0.4% otherwise. This renders the uncondit......The size premium only appears in states with good expected stock returns as given by several state variables, such as the aggregate book-to-market. The annual premium is 15% when this variable is within the top 33% in historical terms and an insignificant 0.4% otherwise. This renders...... the unconditional tests about the size premium inaccurate: For example, the unconditional evidence in the literature supporting the intertemporal risk explanation of the size premium is absent in a conditional sense. Indeed, the conditional and unconditional intertemporal hedging properties of the small stocks...

  11. Downside Variance Risk Premium

    OpenAIRE

    Feunou, Bruno; Jahan-Parvar, Mohammad R.; Okou, Cédric

    2015-01-01

    We propose a new decomposition of the variance risk premium in terms of upside and downside variance risk premia. The difference between upside and downside variance risk premia is a measure of skewness risk premium. We establish that the downside variance risk premium is the main component of the variance risk premium, and that the skewness risk premium is a priced factor with significant prediction power for aggregate excess returns. Our empirical investigation highlights the positive and s...

  12. Analysis of Genetic Diversity in Cultivated and Wild Tomato Varieties in Chinese Market by RAPD and SSR

    Institute of Scientific and Technical Information of China (English)

    MENG Fan-juan; XU Xiang-yang; HUANG Feng-lan; LI Jing-fu

    2010-01-01

    RAPD and SSR were applied to assess genetic diversity in 61 tomato varieties from different species (Solanum lycopersicum L.,hirsutum.Humb L.,pimpinellifolium Miller L.,chilense Dun.L.,chmielenskii L.,peruvianum Miller L.,parvuflorum Miller L.).2062 and 869 clear fragments were amplified by RAPD and SSR,respectively.On the other hand,more polymorphic products were found by SSR as compared to RAPD,i.e.,100 and 43.84%,respectively.In addition,a higher value of the average similarity coefficient and lower PIC value were reflected in RAPD (0.79,0.407) compared to SSR (0.56,0.687).It can be inferred that SSR was a higher effective marker than RAPD to assess genetic diversity in tomato accessions.Similarly,the genetic base of tomato varieties in Chinese market was narrow.It is suggested that wild tomato varieties should be used to enrich the genetic base of the cultivated tomato varieties.

  13. Decreasing Relative Risk Premium

    DEFF Research Database (Denmark)

    Hansen, Frank

    We consider the risk premium demanded by a decision maker with wealth x in order to be indifferent between obtaining a new level of wealth y1 with certainty, or to participate in a lottery which either results in unchanged present wealth or a level of wealth y2 > y1. We define the relative risk...... premium as the quotient between the risk premium and the increase in wealth y1–x which the decision maker puts on the line by choosing the lottery in place of receiving y1 with certainty. We study preferences such that the relative risk premium is a decreasing function of present wealth, and we determine...... relative risk premium in the small implies decreasing relative risk premium in the large, and decreasing relative risk premium everywhere implies risk aversion. We finally show that preferences with decreasing relative risk premium may be equivalently expressed in terms of certain preferences on risky...

  14. Curb Your Premium

    DEFF Research Database (Denmark)

    Amaral-Garcia, Sofia; Grembi, Veronica

    2014-01-01

    We study a policy aimed at increasing the level of information on medical malpractice costs and the risk exposure of local public healthcare providers. The policy is based on enhanced monitoring of medical malpractice claims by the level of government that rules providers in a multilevel institut......We study a policy aimed at increasing the level of information on medical malpractice costs and the risk exposure of local public healthcare providers. The policy is based on enhanced monitoring of medical malpractice claims by the level of government that rules providers in a multilevel...... Regions. Our results show that this information-enhancing policy reduces paid premiums by around 15%. This reduced-form effect might arise by higher bargaining power on the demand side or increased competition on the supply side of the insurance market. Validity tests show that our findings are not driven...

  15. On the Determinants of Equity International Risk Premium: Are Emerging Zones Different?

    OpenAIRE

    Khaled Guesmi; Ilyes Abid; Mohamed Hedi Arouri; Frédéric Teulon

    2013-01-01

    This article contributes to the financial literature by investigating the formation of the international stock risk premium in emerging market zones. Our results from the estimation of a dynamic augmented capital asset pricing model show that the currency risk premium is the most important component of the total premium followed by the global market premium. As for the regional risk, our findings show that it is significantly priced for all studied emerging regions but its contribution to the...

  16. The liquidity premium in CDS transaction prices: Do frictions matter?

    OpenAIRE

    Gehde-Trapp, Monika; Gündüz, Yalin; Nasev, Julia

    2015-01-01

    Based on individual CDS transactions cleared by the Depository Trust & Clearing Corporation, we show that illiquidity strongly affects credit default swap premiums. We identify the following effects: First, transaction direction affects prices, as buy (sell) orders lead to premium increases (decreases). Second, larger transactions have a higher price impact. This finding stands in stark contrast to corporate bond markets. Third, traders charge higher premiums as a price for liquidity provisio...

  17. Colored Mulches Affect Yield of Fresh-market Tomato Infected with Meloidogyne incognita

    OpenAIRE

    Fortnum, B. A.; Decoteau, D. R.; Kasperbauer, M. J.

    1997-01-01

    The effects of different-colored polyethylene mulches on the quantity and spectra of reflected light, earliness of fruit set, fruit yield and quality, and root-knot disease were studied in field-grown, staked tomato (Lycopersicon esculentum). White mulch reflected more photosynthetic light and a lower far-red-to-red ratio than red mulch, whereas black mulch reflected less than 5 percent of any color. Soil temperatures and fruit yields were recorded for tomato plants inoculated with Meloidogyn...

  18. PREMIUM PRICE PENGELOLAAN SUMBERDAYA HUTAN PRODUKSI BERSERTIFIKASI

    Directory of Open Access Journals (Sweden)

    Rina Muhayah Noor Pitri

    2016-09-01

    Full Text Available Forest certification is a key issue in relation to the forest products industry. It's also a new trend market of forest products. Forest certification is a guarantee that the products resulting from the forest management process in accordance with the standard of sustainable forest resources management. Certification will be increasing the cost of management as an impact of fulfilling requirement on the criteria of the certified forest. The fundamental question whether the award of certified products has been accompanied by an increase in premium price for forest estate or only becoming as the cost that reducing profit for the forest estate. The aims of this research are: 1 to know the difference between the sales price of certified and non-certified wood, 2 to know the premium price on certified forests, 3 to identify the factors that influence the amount of premium price of the certified forest. Data collection were used by searching the document and literature reference on forest certification. The results showed that the premium price received from the certified timber is higher than non-certified timber. Certified wood with high quality has a premium price that is greater than the low-quality wood. The percentage of premium price received varied forest estate. Premium price sometimes unsignificantly received by small-scale of timber estate. The revenue of premium price of certifies forest is influenced by the following factors: 1 The forest area to be certified, 2 Organizations that perform assessments, 3 Company / bodies / organizations that filed the certification, 4 he The country as a buyer of certified timber product 5 the facilitator in the market activities, 6 post-certification fee, and 7 the sales price.

  19. Decreasing relative risk premium

    DEFF Research Database (Denmark)

    Hansen, Frank

    2007-01-01

    such that the corresponding relative risk premium is a decreasing function of present wealth, and we determine the set of associated utility functions. We find a new characterization of risk vulnerability and determine a large set of utility functions, closed under summation and composition, which are both risk vulnerable...... and have decreasing relative risk premium. We finally introduce the notion of partial risk neutral preferences on binary lotteries and show that partial risk neutrality is equivalent to preferences with decreasing relative risk premium...

  20. Physical Premium Principle: A New Way for Insurance Pricing

    Science.gov (United States)

    Darooneh, Amir H.

    2005-03-01

    In our previous work we suggested a way for computing the non-life insurance premium. The probable surplus of the insurer company assumed to be distributed according to the canonical ensemble theory. The Esscher premium principle appeared as its special case. The difference between our method and traditional principles for premium calculation was shown by simulation. Here we construct a theoretical foundation for the main assumption in our method, in this respect we present a new (physical) definition for the economic equilibrium. This approach let us to apply the maximum entropy principle in the economic systems. We also extend our method to deal with the problem of premium calculation for correlated risk categories. Like the Buhlman economic premium principle our method considers the effect of the market on the premium but in a different way.

  1. Physical Premium Principle: A New Way for Insurance Pricing

    Directory of Open Access Journals (Sweden)

    Amir H. Darooneh

    2005-02-01

    Full Text Available Abstract: In our previous work we suggested a way for computing the non-life insurance premium. The probable surplus of the insurer company assumed to be distributed according to the canonical ensemble theory. The Esscher premium principle appeared as its special case. The difference between our method and traditional principles for premium calculation was shown by simulation. Here we construct a theoretical foundation for the main assumption in our method, in this respect we present a new (physical definition for the economic equilibrium. This approach let us to apply the maximum entropy principle in the economic systems. We also extend our method to deal with the problem of premium calculation for correlated risk categories. Like the Buhlman economic premium principle our method considers the effect of the market on the premium but in a different way.

  2. Field performance of a premium heating oil

    Energy Technology Data Exchange (ETDEWEB)

    Santa, T. [Santa Fuels, Inc., Bridgeport, CT (United States); Jetter, S.M. [Mobil Oil R & D Corp., Paulsboro, NJ (United States)

    1996-07-01

    As part of our ongoing research to provide quality improvements to heating oil, Mobil Oil together with Santa Fuel, Inc., conducted a field trial to investigate the performance of a new premium heating oil. This premium heating oil contains an additive system designed to minimize sludge related problems in the fuel delivery system of residential home heating systems. The additive used was similar to others reported at this and earlier BNL conferences, but was further developed to enhance its performance in oil heat systems. The premium heating oil was bulk additized and delivered to a subset of the customer base. Fuel related, unscheduled service calls were monitored in this test area, as well as in a similar baseline area that did not receive the premium heating oil. Overall, the premium fuel provided a 45% reduction in the occurrence of fuel related, unscheduled service calls as compared to the baseline area. Within this population, there was a reduction of 38% in systems with 275 gallon tanks, and 55% in systems that had >275 gallon tanks showing that the additive is effective in the various configurations of residential oil heat systems. In addition, photographic documentation collected at two accounts supported this improvement by clearly showing that the equipment remained cleaner with the premium heating oil than with regular heating oil. Based on these results, a full marketing trial of this new product has been initiated by Mobil and Santa Fuel, Inc., during the 1995-1996 heating season.

  3. Presence of Shiga toxin-producing Escherichia coli, Enteroinvasive E. coli, Enteropathogenic E. coli, and Enterotoxigenic E. coli on tomatoes from public markets in Mexico.

    Science.gov (United States)

    Gómez-Aldapa, Carlos A; Torres-Vitela, M Del Refugio; Acevedo-Sandoval, Otilio A; Rangel-Vargas, Esmeralda; Villarruel-López, Angélica; Castro-Rosas, Andjavier

    2013-09-01

    Diarrheagenic Escherichia coli pathotypes (DEP) are important foodborne pathogens in various countries, including Mexico. However, no data exist on the presence of DEP on fresh tomatoes (Solanum lycopericum) from Mexico. The frequency of fecal coliforms (FC), E. coli, and DEP were determined for two tomato varieties. One hundred samples of a saladette tomato variety and 100 samples of a red round tomato variety were collected from public markets in Pachuca, Mexico. Each tomato sample consisted of four whole tomatoes. For the 100 saladette samples, coliform bacterial, FC, E. coli, and DEP were identified in 100, 70, 60, and 10% of samples, respectively. For the 100 red round samples, coliform bacterial, FC, E. coli, and DEP were identified in 100, 75, 65, and 11% of samples, respectively. Identified DEP included Shiga toxin-producing E. coli (STEC), enteroinvasive E. coli (EIEC), enteropathogenic E. coli (EPEC), and enterotoxigenic E. coli (ETEC). STEC were isolated from 6% of saladette samples and 5% of red round samples. ETEC were isolated from 3% of saladette samples and 4% of red round samples. EPEC were isolated from 2% of saladette samples and 3% of red round samples, and EIEC were isolated from 1% of saladette samples. Both STEC and ETEC were identified in two saladette samples and 1 red round sample. E. coli O157:H7 was not detected in any STEC-positive samples.

  4. Effect of different growing substrates on the plant water relations and marketable fruit yield greenhouse-grown tomato (Lycopersicon esculentum Mill.

    Directory of Open Access Journals (Sweden)

    Edward Borowski

    2012-10-01

    Full Text Available In the period 2009-2011, a study was conducted in a greenhouse, using fertigation, to determine water relations and fruit yield of tomato grown in different substrates. Tomato plants were grown on rockwool slabs, 15 dm3  in volume, and on slabs of the same volume made of the following straw chaff: rape straw; rape straw + peat (3:1; rape straw + pine bark (3:1; triticale straw; triticale straw + peat (3:1; triticale straw + pine bark (3:1. 2 tomato plants were grown on each slab, leaving 22 fruit clusters on each plant during the period from February to October. The obtained results showed that water potential, stomatal conductance, transpiration, water saturation deficit, and leaf free proline content in tomato grown on rockwool and on rape or triticale straw chaff substrates did not differ statistically significantly. Also, no significant differences were found in marketable tomato fruit yield and dry matter content in tomato fruits. Peat or pine bark addition to rape or triticale straw substrates had no significant effect on the change in their commercially useful traits. In the opinion of the present authors, substrates made of rape or triticale straw alone, and even more so with the addition of peat or bark, are not inferior in any way to commonly used rockwool.

  5. The Pupil Premium: Next Steps

    Science.gov (United States)

    Sutton Trust, 2015

    2015-01-01

    The pupil premium was introduced by the Coalition government in April 2011 to provide additional funding for disadvantaged pupils. The main difference between the premium and previous funding for disadvantaged pupils is that the premium is linked to individual pupils. On July 1, 2015, The Pupil Premium Summit organized by the Education Endowment…

  6. Employer contribution and premium growth in health insurance.

    Science.gov (United States)

    Liu, Yiyan; Jin, Ginger Zhe

    2015-01-01

    We study whether employer premium contribution schemes could impact the pricing behavior of health plans and contribute to rising premiums. Using 1991-2011 data before and after a 1999 premium subsidy policy change in the Federal Employees Health Benefits Program (FEHBP), we find that the employer premium contribution scheme has a differential impact on health plan pricing based on two market incentives: 1) consumers are less price sensitive when they only need to pay part of the premium increase, and 2) each health plan has an incentive to increase the employer's premium contribution to that plan. Both incentives are found to contribute to premium growth. Counterfactual simulation shows that average premium would have been 10% less than observed and the federal government would have saved 15% per year on its premium contribution had the subsidy policy change not occurred in the FEHBP. We discuss the potential of similar incentives in other government-subsidized insurance systems such as the Medicare Part D and the Health Insurance Marketplace under the Affordable Care Act. Copyright © 2014 Elsevier B.V. All rights reserved.

  7. Decreasing relative risk premium

    DEFF Research Database (Denmark)

    Hansen, Frank

    2007-01-01

    We consider the risk premium demanded by a decision maker in order to be indifferent between obtaining a new level of wealth with certainty, or to participate in a lottery which either results in unchanged wealth or an even higher level than what can be obtained with certainty. We study preferences...... such that the corresponding relative risk premium is a decreasing function of present wealth, and we determine the set of associated utility functions. We find a new characterization of risk vulnerability and determine a large set of utility functions, closed under summation and composition, which are both risk vulnerable...... and have decreasing relative risk premium. We finally introduce the notion of partial risk neutral preferences on binary lotteries and show that partial risk neutrality is equivalent to preferences with decreasing relative risk premium...

  8. Does Specialization Explain Marriage Penalties and Premiums?

    Science.gov (United States)

    Killewald, Alexandra; Gough, Margaret

    2013-01-01

    Married men’s wage premium is often attributed to within-household specialization: men can devote more effort to wage-earning when their wives assume responsibility for household labor. We provide a comprehensive evaluation of the specialization hypothesis, arguing that, if specialization causes the male marriage premium, married women should experience wage losses. Furthermore, specialization by married parents should augment the motherhood penalty and the fatherhood premium for married as compared to unmarried parents. Using fixed-effects models and data from the NLSY79, we estimate within-gender differences in wages according to marital status and between-gender differences in the associations between marital status and wages. We then test whether specialization on time use, job traits, and tenure accounts for the observed associations. Results for women do not support the specialization hypothesis. Childless men and women both receive a marriage premium. Marriage augments the fatherhood premium but not the motherhood penalty. Changes in own and spousal employment hours, job traits, and tenure appear to benefit both married men and women, although men benefit more. Marriage changes men’s labor market behavior in ways that augment wages, but these changes do not appear to occur at the expense of women’s wages. PMID:24039271

  9. Post-harvest quality of fresh-marketed tomatoes as a function of harvest periods

    Directory of Open Access Journals (Sweden)

    Ferreira Marcos David

    2005-01-01

    Full Text Available Losses on tomato business chain start at harvest, a two-months period. At the beginning of the harvest, fruits concentrate at the basal part of the plant, then in the middle, and finally at the top, and undergo changes in diameter and maturity indexes as harvest progresses. The aim of this work was to evaluate the impact of handling at three different periods: (I 15 days, (II 30 days, and (III 45 days after the beginning of harvest. Tomatoes were ordinarily grown and harvested in to bamboo baskets, and transferred to plastics boxes. Fruits were classified according to ripening stage and diameter, and evaluated for mechanical damage and external defects caused by harvesting procedures. The time required for the harvest operation was measured; damage to fruits (% and weight loss (%, caused either in the field and/or during the harvesting process, were taken into consideration and related to the final quality of fruit after storage for 21 days. The same methodology was used all through the production and harvest cycle. The highest % fruit damage occurred during period II, a longer harvest time than the other two periods. Fruits not submitted to handling showed lower weight loss than handled fruits. Fruits harvested in period II and stored for 21 days showed higher losses due to mechanical injury.

  10. Price premium of organic salmon in Danish retail sale

    DEFF Research Database (Denmark)

    Ankamah Yeboah, Isaac; Nielsen, Max; Nielsen, Rasmus

    2016-01-01

    of exclusively using organic fry for production. If the profitability of the primary organic aquaculture producers should be maintained, then farmers must be able to correspondingly receive higher prices, transmitted through the value chain from the retail market. This study identifies the price premium...... for organic salmon in Danish retail sale using consumer panel scanner data from households by applying a random effect hedonic price model that permits unobserved household heterogeneity. A price premium of 20% was identified for organic salmon. The magnitude of this premium is comparable to organic labeled...

  11. Decreasing Relative Risk Premium

    DEFF Research Database (Denmark)

    Hansen, Frank

    We consider the risk premium demanded by a decision maker with wealth x in order to be indifferent between obtaining a new level of wealth y1 with certainty, or to participate in a lottery which either results in unchanged present wealth or a level of wealth y2 > y1. We define the relative risk...

  12. Técnicas de colheita para tomate de mesa Harvesting methods for fresh market tomatoes

    Directory of Open Access Journals (Sweden)

    Marcos David Ferreira

    2005-12-01

    Full Text Available Comparou-se a qualidade de frutos provenientes de colheita utilizando cestas de bambu e sacolas de lona plástica em campos de produção na região de Mogi-Guaçu, SP. Utilizou-se como testemunha frutos não submetidos ao manuseio. O delineamento utilizado foi inteiramente casualizado em esquema fatorial (sistemas de colheita x dias após a colheita com três repetições. Foram observados o tempo de colheita, incidência de danos físicos (% originados no campo e/ou no processo de colheita, perda de masa (% durante o armazenamento, e a qualidade visual após armazenamento por 21 dias a temperatura ambiente (23ºC. O tempo necessário para realizar a colheita no mesmo número de plantas utilizando-se cesta de bambu foi superior em 20%, em relação à sacola plástica. A incidência de danos físicos (% e perda de massa (%, apesar de maiores nos frutos colhidos com sacola, não foram significativamente diferentes dos colhidos com cestas de bambus. Observou-se maior perda de massa (% durante o armazenamento nos frutos colhidos utilizando-se sacolas de lonas plásticas. Após armazenamento por 21 dias, frutos colhidos com sacola plástica apresentavam maiores perdas do que aqueles colhidos utilizando-se cestas de bambu, principalmente devido a danos físicos e podridões.Quality of tomato fruits harvested using traditional bamboo baskets was compared to fruits harvested using harvest bags in the Mogi Guaçu region, São Paulo State, Brazil. Fruits not submitted to handling were used as control. The trial was totally randomized (harvest system x days after harvest in a factorial design. The observed data were time spent for each harvest operation, mechanical injury (% caused either in the field or/and in the process of harvesting, weight loss (% during storage and final quality of fruits after storage for 21 days at room temperature (23ºC. The time necessary for the harvest with bamboo baskets was 20% higher than using plastic bags. The results

  13. Biodegradation of Garden Waste, Market Waste Using Eisenia fetida and Eudrilus eugenia and Assessment of Manure Quality on Tomato

    Science.gov (United States)

    Mohan, S. Mariraj

    2014-06-01

    Comparative study was performed to evaluate the vermicomposting efficiency of two earthworm species Eisenia fetida, Eudrilus eugenia from the garden wastes, vegetable market wastes. Three different experimental works were conducted. For each experiment three plastic vermibins were used. Experiment (1) mentioned for control without earthworms. Experiment (2) bedded with Eudrilus eugenia, Experiment (3) comprised of bedding with Eisenia fetida. Pre composting was allowed for 10 days after that Eudrilus eugenia, Eisenia fetida were added in respective vermibins. The multiplication of earthworms in terms of number was calculated at the end of vermicomposting. The N, P, K value of the manure in each vermibin was estimated before and after the completion of the experiment. High N, P, K value was obtained in Experiment (2) and Experiment (3) compared to control. Among the solid wastes, the vegetable wastes were degraded quickly by Eudrilus eugenia and also it has the best quality of manure. Eudrilus eugenia was found to be efficient for quick degradation of both garden wastes and vegetable wastes. After manure production, field trials were conducted using different fertilizers to assess the manure quality in the growth and yield of tomato plants. Six types of experimental trial pots were prepared where one was kept as control and five others were treated with different category of fertilizers. The treatment pots (P3) showed better growth parameters (leaf numbers, stem diameter, plant height) than the rest of the trial.

  14. Premium small car demand,not rising in China

    Institute of Scientific and Technical Information of China (English)

    2008-01-01

    <正>A growing number of worldwide car makers are focusing on making premium or luxury small cars. These cars ensure sales income, stabilize their market share and they are a good reflection of a civic-oriented society. But why these kinds of cars are unable to create market demand in China where resources supply is tougher than in most countries.

  15. Using the Black Scholes method for estimating high cost illness insurance premiums in Colombia

    Directory of Open Access Journals (Sweden)

    Liliana Chicaíza

    2009-04-01

    Full Text Available This article applied the Black-Scholes option valuation formula to calculating high-cost illness reinsurance premiums in the Colombian health system. The coverage pattern used in reinsuring high-cost illnesses was replicated by means of a European call option contract. The option’s relevant variables and parameters were adapted to an insurance market context. The premium estimated by the BlackScholes method fell within the range of premiums estimated by the actuarial method.

  16. SKEWNESS OF RETURN DISTRIBUTION AND COEFFICIENT OF RISK PREMIUM

    Institute of Scientific and Technical Information of China (English)

    Fenghua WEN; Xiaoguang YANG

    2009-01-01

    The skewness of the return distribution is one of the important features of the security price. In this paper, the authors try to explore the relationship between the skewness and the coefficient of risk premium. The coefficient of the risk premium is estimated by a GARCH-M model, and the robust measurement of skewness is calculated by Groeneveld-Meeden method. The empirical evidences for the composite indexes from 33 securities markets in the world indicate that the risk compensation requirement in the market where the return distribution is positively skewed is virtually zero, and the risk compensation requirement is positive in a significant level in the market where the return distribution is negative skewed. Moreover, the skewness is negatively correlated with the coefficient of the risk premium.

  17. Employer choices of family premium sharing.

    Science.gov (United States)

    Vistnes, Jessica Primoff; Morrisey, Michael A; Jensen, Gail A

    2006-03-01

    In 1997, nearly two-thirds of married couples with children under age 18 were dual-earner couples. Such families may have a variety of insurance options available to them. If so, declining a high employee premium contribution may be a mechanism for one spouse to take money wages in lieu of coverage while the other spouse takes coverage rather than high wages. Employers may use these preferences and the size of premium contributions to encourage workers to obtain family coverage through their spouse. The purpose of this paper is to explore the effects of labor force composition, particularly the proportion of dual-earner couples in the labor market, on the marginal employee premium contribution (marginal EPC) for family coverage. We analyze data from the 1997-2001 Medical Expenditure Panel Survey--Insurance Component (MEPS-IC) List Sample of private establishments. We find strong evidence that the marginal EPC for family coverage is higher when there is a larger concentration of women in the workforce, but only in markets with a higher proportion of dual-earner households.

  18. Country Value Premiums and Financial Crises

    Directory of Open Access Journals (Sweden)

    Adam Zaremba

    2014-01-01

    Full Text Available The paper concentrates on the value premium across countries and contributes to the investment and asset pricing literature in three ways. First, I provide fresh evidence that the high-value countries perform significantly better than the low-value countries. Additionally, this phenomenon is indifferent to the choice of the computational currency, representative index or value indicator. Second, I demonstrate that the value effect can be successfully amplified by combining with country-level size and momentum effects. Third, I show that returns to the high-value countries deteriorate in financial crisis conditions, because the country-level value premium is negatively correlated with the credit spreads, TED spread and expected volatility. I examine data from 66 markets between years 2000 and 2013.

  19. PREMIUMS CALCULATION FOR LIFE INSURANCE

    Directory of Open Access Journals (Sweden)

    ANA PREDA

    2012-10-01

    Full Text Available The paper presents the techniques and the formulas used on international practice for establishing the premiums for a life policy. The formulas are generally based on a series of indicators named mortality indicators which mainly point out the insured survival probability, the death probability and life expectancy at certain age. I determined, using a case study, the unique net premium, the annual net premium for a survival insurance, whole life insurance and mixed life insurance.

  20. The Choice of Canned Whole Peeled Tomatoes is Driven by Different Key Quality Attributes Perceived by Consumers Having Different Familiarity with the Product.

    Science.gov (United States)

    Frez-Muñoz, Lucía; Steenbekkers, Bea Lpa; Fogliano, Vincenzo

    2016-12-01

    Canned whole peeled tomatoes are a premium tomato product; however, no information is available about the key intrinsic and extrinsic quality attributes perceived by consumers when buying this product. This research considered consumers differing in the level of familiarity with peeled tomatoes, that is, knowledge, frequency of consumption, and availability of this product, on 3 markets: Chile (low), The Netherlands (medium), and Italy (high). The perceptions and preferences of each group were studied using first focus groups and subsequently conjoint analysis in order to identify the key quality attributes leading their preferences for this product. Focus groups identified 7 intrinsic attributes (color, packing medium, tomato consistency, acidity level, sweetness level, extra ingredients, and intensity of product taste), and 5 extrinsic attributes (packaging material, product type, country of origin, brand, and label design). Significant variations according to the familiarity were found. The conjoint analyses showed that color of tomatoes was the most important intrinsic quality attribute for all groups, while packaging material was the most important extrinsic quality attribute for Chileans and Dutch, being a glass container or a can with easy open the preferred packaging for respective groups. In contrast, country of origin was the most important parameter for Italians. We concluded that intrinsic and extrinsic attributes were strongly influenced by the degree of familiarity with canned whole peeled tomatoes.

  1. 78 FR 79619 - Patient Protection and Affordable Care Act; Program Integrity: Exchange, Premium Stabilization...

    Science.gov (United States)

    2013-12-31

    ...-9957-CN; 9964-CN] RIN 0938-AR82; RIN 0938-AR74 Patient Protection and Affordable Care Act; Program... Affordable Care Act; Program Integrity: Exchange, Premium Stabilization Programs, and Market Standards... and Affordable Care Act; Program Integrity: Exchange, Premium Stabilization Programs, and...

  2. 77 FR 21580 - Changes in Certain Multifamily Housing and Health Care Facility Mortgage Insurance Premiums for...

    Science.gov (United States)

    2012-04-10

    ... Premiums for Fiscal Year (FY) 2013 AGENCY: Office of the Assistant Secretary for Housing--Federal Housing... of the mortgage insurance premiums (MIPs) for certain Federal Housing Administration (FHA... return to the market by ensuring FHA is not under-pricing its risk. In addition to announcing MIPs for FY...

  3. Global Variance Risk Premium and Forex Return Predictability

    OpenAIRE

    Aloosh, Arash

    2014-01-01

    In a long-run risk model with stochastic volatility and frictionless markets, I express expected forex returns as a function of consumption growth variances and stock variance risk premiums (VRPs)—the difference between the risk-neutral and statistical expectations of market return variation. This provides a motivation for using the forward-looking information available in stock market volatility indices to predict forex returns. Empirically, I find that stock VRPs predict forex returns at a ...

  4. Global Variance Risk Premium and Forex Return Predictability

    OpenAIRE

    Aloosh, Arash

    2014-01-01

    In a long-run risk model with stochastic volatility and frictionless markets, I express expected forex returns as a function of consumption growth variances and stock variance risk premiums (VRPs)—the difference between the risk-neutral and statistical expectations of market return variation. This provides a motivation for using the forward-looking information available in stock market volatility indices to predict forex returns. Empirically, I find that stock VRPs predict forex returns at a ...

  5. Modeling and Analyzing Taxi Congestion Premium in Congested Cities

    Directory of Open Access Journals (Sweden)

    Changwei Yuan

    2017-01-01

    Full Text Available Traffic congestion is a significant problem in many major cities. Getting stuck in traffic, the mileage per unit time that a taxicab travels will decline significantly. Congestion premium (or so-called low-speed fare has become an increasingly important income source for taxi drivers. However, the impact of congestion premium on the taxicab market is not widely understood yet. In particular, modeling and analyzing of the taxi fare structure with congestion premium are extremely limited. In this paper, we developed a taxi price equilibrium model, in which the adjustment mechanism of congestion premium on optimizing the taxi driver’s income, balancing the supply and demand, and eventually improving the level of service in the whole taxicab market was investigated. In the final part, we provided a case study to demonstrate the feasibility of the proposed model. The results indicated that the current taxi fare scheme in Beijing is suboptimal, since the gain from the raise of congestion premium cannot compensate for the loss from the demand reduction. Conversely, the optimal fare scheme suggested by our model can effectively reduce the excessive demand and reach the supply-demand equilibrium, while keeping the stability of the driver’s income to the maximum extent.

  6. Life Insurance Actuarial Model with Returnable Premium

    Institute of Scientific and Technical Information of China (English)

    YanhuaiLang

    2004-01-01

    Insurance is the important aspect of finance. It has been fully developed in the western developed countries. With the fast development of market economy in our country,it is necessary to introduce the alien modern theories and techniques, and at the same time,adapt them to our concrete situation. The model of general life insurance product is to be established in this paper, including deferred life annuities, increasing whole life insurance and returnable premiums. Then through the regulation of various parameters, we can obtain various insurance products.

  7. 38 CFR 6.2 - Premium rate.

    Science.gov (United States)

    2010-07-01

    ... LIFE INSURANCE Premiums § 6.2 Premium rate. Effective January 1, 1983, United States Government Life Insurance policies, and total disability income provisions, on a premium paying status are paid-up and no premiums are required to maintain such policies and provisions in force. Policies...

  8. 14 CFR 198.13 - Premium insurance-payment of premiums.

    Science.gov (United States)

    2010-01-01

    ... (CONTINUED) WAR RISK INSURANCE AVIATION INSURANCE § 198.13 Premium insurance—payment of premiums. The insured must pay the premium for insurance issued under this part within the stated period after receipt of... 14 Aeronautics and Space 3 2010-01-01 2010-01-01 false Premium insurance-payment of premiums....

  9. The Choice of Canned Whole Peeled Tomatoes is Driven by Different Key Quality Attributes Perceived by Consumers Having Different Familiarity with the Product

    NARCIS (Netherlands)

    Frez-Muñoz, Lucía; Steenbekkers, Bea; Fogliano, Vincenzo

    2016-01-01

    Canned whole peeled tomatoes are a premium tomato product; however, no information is available about the key intrinsic and extrinsic quality attributes perceived by consumers when buying this product. This research considered consumers differing in the level of familiarity with peeled tomatoes, tha

  10. The Choice of Canned Whole Peeled Tomatoes is Driven by Different Key Quality Attributes Perceived by Consumers Having Different Familiarity with the Product

    NARCIS (Netherlands)

    Frez-Muñoz, Lucía; Steenbekkers, Bea; Fogliano, Vincenzo

    2016-01-01

    Canned whole peeled tomatoes are a premium tomato product; however, no information is available about the key intrinsic and extrinsic quality attributes perceived by consumers when buying this product. This research considered consumers differing in the level of familiarity with peeled tomatoes,

  11. Premium subsidies for health insurance: excessive coverage vs. adverse selection.

    Science.gov (United States)

    Selden, T M

    1999-12-01

    The tax subsidy for employment-related health insurance can lead to excessive coverage and excessive spending on medical care. Yet, the potential also exists for adverse selection to result in the opposite problem-insufficient coverage and underconsumption of medical care. This paper uses the model of Rothschild and Stiglitz (R-S) to show that a simple linear premium subsidy can correct market failure due to adverse selection. The optimal linear subsidy balances welfare losses from excessive coverage against welfare gains from reduced adverse selection. Indeed, a capped premium subsidy may mitigate adverse selection without creating incentives for excessive coverage.

  12. On asset pricing and the equity premium puzzle

    OpenAIRE

    2000-01-01

    This thesis was submitted for the degree of Doctor of Philosophy and awarded by Brunel University. Presented here are consumption and production related asset pricing models which seek to explain stock market behaviour through the stock premium over risk-free bonds and to do so using parameter values consistent with theory. Our results show that there are models capable of explaining stock market behaviour. For the consumption-based model, we avoid many of the suggestions to artificiall...

  13. Interdependence of life insurance service quality and premium

    Directory of Open Access Journals (Sweden)

    Dragan Benazić

    2006-12-01

    Full Text Available Insurance companies in Croatia feel the need to find new sources of competitive advantage on the Croatian life insurance market amid increasing competition and a poorly profiled offer of life insurance services. Lately, both marketing literature and practice seem to point to the shaping of a relationship between service quality and price as a possible solution to improving the position of insurance companies on the Croatian market. In providing life insurance services, the insurance companies should focus on the quality elements that offer certain benefits a client is willing to pay for. Changes in individual quality features have been evaluated differently by clients. Such differences in their evaluation of changes in the individual elements of service quality also reflect the willingness of clients to pay a suitable increase on their insurance premium. Improvements in the service quality features that are subjectively evaluated as important should lead to the client’s acceptance of a higher life insurance premium. The paper considers the interdependence between the quality of life insurance services and the premium from the aspect of the client’s willingness to pay a higher life insurance premium for a higher service quality.

  14. 78 FR 44056 - Premium Rates; Payment of Premiums; Reducing Regulatory Burden

    Science.gov (United States)

    2013-07-23

    ... benefits (UVBs)--the excess of its premium funding target over its assets. The premium funding target and... would small plans enjoy the convenience of a convergence between the premium and Form 5500 due...

  15. The influence of non-living mulch, mechanical and thermal treatments on weed population and yield of rainfed fresh-market tomato (Solanum lycopersicum L.

    Directory of Open Access Journals (Sweden)

    M. Fontanelli

    2013-06-01

    Full Text Available Weed control is often a major limitation for vegetable crops, since compared to arable crops fewer herbicides are available and the crops are more sensitive to weeds. Field experiments were carried out in the province of Pisa (Central Italy to determine the effect of two different mulches (black biodegradable plastic film and wheat straw and mechanical and thermal treatments on weed population and yield of rain-fed fresh market tomato (Solanum lycopersicum L.. Rolling harrow, flaming machine and precision hoe for weed control, which were either built, enhanced or modified by the University of Pisa were used separately (mechanical-thermal strategy or in combination with a straw mulch (mechanical-thermal-straw strategy. These two innovative strategies were compared with the traditional farming system, which uses a biodegradable plastic mulch film. The strategies were compared in terms of machine performance, weed density, total labour requirement, weed dry biomass, and crop fresh yield at harvest. The total operative time for weed control was on average ~25 h ha-1 for the two systems, which included mulching, and over 30 h ha-1 for the mechanical-thermal strategy. The three strategies controlled weeds effectively, with only 30 g m-2 in each treatment. Tomato yield, however, was 35% higher for strategies that included mulching (both biodegradable film and straw.

  16. Genetic variation in the Solanaceae fruit bearing species lulo and tree tomato revealed by Conserved Ortholog (COSII markers

    Directory of Open Access Journals (Sweden)

    Felix Enciso-Rodríguez

    2010-01-01

    Full Text Available The Lulo or naranjilla (Solanum quitoense Lam. and the tree tomato or tamarillo (Solanum betaceum Cav. Sendt. are both Andean tropical fruit species with high nutritional value and the potential for becoming premium products in local and export markets. Herein, we present a report on the genetic characterization of 62 accessions of lulos (n = 32 and tree tomatoes (n = 30 through the use of PCR-based markers developed from single-copy conserved orthologous genes (COSII in other Solanaceae (Asterid species. We successfully PCR amplified a set of these markers for lulos (34 out of 46 initially tested and tree tomatoes (26 out of 41 for molecular studies. Six polymorphic COSII markers were found in lulo with a total of 47 alleles and five polymorphic markers in tree tomato with a total of 39 alleles in the two populations. Further genetic analyses indicated a high population structure (with F ST > 0.90, which may be a result of low migration between populations, adaptation to various niches and the number of markers evaluated. We propose COSII markers as sound tools for molecular studies, conservation and the breeding of these two fruit species.

  17. The Book-to-Market Anomaly in the Chinese Stock Markets

    Directory of Open Access Journals (Sweden)

    Kin-Yip Ho

    2015-09-01

    Full Text Available This paper examines the existence of value premium in the Chinese stock markets and empirically provides its explanation. Our results suggest that the value premium does exist in the Chinese markets, and investor sophistication is significant in explaining its existence. In particular, there is supporting evidence that the value premium could be driven by individual investors, whereas stocks that are mostly held by institutional investors are value-premium free. We briefly discuss the implications of our findings.

  18. What drives insurer participation and premiums in the Federally-Facilitated Marketplace?

    Science.gov (United States)

    Abraham, Jean Marie; Drake, Coleman; McCullough, Jeffrey S; Simon, Kosali

    2017-04-26

    We investigate determinants of market entry and premiums within the context of the Affordable Care Act's Marketplaces for individual insurance. Using Bresnahan and Reiss (1991) as the conceptual framework, we study how competition and firm heterogeneity relate to premiums in 36 states using Federally Facilitated or Supported Marketplaces in 2016. Our primary data source is the Qualified Health Plan Landscape File, augmented with market characteristics from the American Community Survey and Area Health Resource File as well as insurer-level information from federal Medical Loss Ratio annual reports. We first estimate a model of insurer entry and then investigate the relationship between a market's predicted number of entrants and insurer-level premiums. Our entry model results suggest that competition is increasing with the number of insurers, most notably as the market size increases from 3 to 4 entrants. Results from the premium regression suggest that each additional entrant is associated with approximately 4% lower premiums, controlling for other factors. An alternative explanation for the relationship between entrants and premiums is that more efficient insurers (who can price lower) are the ones that enter markets with many entrants, and this is reflected in lower premiums. An exploratory analysis of insurers' non-claims costs (a proxy for insurer efficiency) reveals that average costs among entrants are rising slightly with the number of insurers in the market. This pattern does not support the hypothesis that premiums decrease with more entrants because those entrants are more efficient, suggesting instead that the results are being driven mostly by price competition.

  19. Role of insecticides in reducing thrips injury to plants and incidence of tomato spotted wilt virus in Virginia market-type peanut.

    Science.gov (United States)

    Herbert, D Ames; Malone, S; Aref, S; Brandenburg, R L; Jordan, D L; Royals, B M; Johnson, P D

    2007-08-01

    Tomato spotted wilt virus (family Bunyaviridae, genus Tospovirus, TSWV), transmitted by many thrips species, is a devastating pathogen of peanut, Arachis hypogaea L. TSWV has become a serious problem in the Virginia/Carolina peanut-growing region of the United States. During 2002, TSWV was present in 47% of the North Carolina hectarage and caused a 5% yield reduction in Virginia. Factors influencing levels of TSWV in runner market-type peanut cultivars, which are primarily grown in Alabama, Flordia, Georgia, and Texas, have been integrated into an advisory to help those peanut growers reduce losses. An advisory based on the southeast runner market-type version is currently under development for virginia market-type peanut cultivars that are grown primarily in the Virginia/ Carolina region. A version based on preliminary field experiments was released in 2003. One factor used in both advisories relates to insecticide use to reduce the vector populations and disease incidence. This research elucidated the influence of insecticides on thrips populations, thrips plant injury, incidence of TSWV, and pod yield in virginia market-type peanut. Eight field trials from 2003 to 2005 were conducted at two locations. In-furrow application of aldicarb and phorate resulted in significant levels of thrips control, significant reductions in thrips injury to seedlings, reduced incidence of TSWV, and significant increases in pod yield. Foliar application of acephate after aldicarb or phorate applied in the seed furrow further reduced thrips plant injury and incidence of TSWV and improved yield. These findings will be used to improve the current virginia market-type TSWV advisory.

  20. 38 CFR 7.4 - The premium.

    Science.gov (United States)

    2010-07-01

    ... 38 Pensions, Bonuses, and Veterans' Relief 1 2010-07-01 2010-07-01 false The premium. 7.4 Section 7.4 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF VETERANS AFFAIRS SOLDIERS' AND SAILORS... association. (a) The premium on a policy will be calculated on an annual basis, and if the annual premium...

  1. Intertextile Goos Premium

    Institute of Scientific and Technical Information of China (English)

    By Flora Zhao; WanzyWang

    2012-01-01

    Still a successful trade event, Intertextile Beijing Apparel Fabrics, 28th - 30th March 2012, ushered in a refreshing spring show with a complete range of innovative products targeted towards mass to luxury market industry buyers. Through the years the show garnered a sizeable number of exhibitors from 16 countries and regions, a 22% increase from 2011, now it focuses on improving the quality and the image of the show.

  2. College wage premium over time: trends in Europe in the last 15 years.

    OpenAIRE

    Elena Crivellaro

    2014-01-01

    While there has been intense debate in the empirical literature over the evolution of the college wage premium in the United States, its evolution in Europe has received little attention. This paper investigates the causes of the evolution of the college wage premium in 12 european countries from 1994 to 2009. I use cross country variation in relative supply, demand, and labour market institutions to examine their effects on the trend in wage inequality. I address possible concerns of endogen...

  3. Easy Access to Premium Luxury

    Institute of Scientific and Technical Information of China (English)

    2011-01-01

    Lexus Launches Summer Financing Program with Interest Rates as Low as 2.011percent Lexus China has launched its latest financing program with interest rates as low as 2.011 percent for three of its luxury small displacement models:RX270,IS250 and ES240.The program is an additional premium offer presented by Lexus to Chinese consumers

  4. Metabolite profiling of Italian tomato landraces with different fruit types

    NARCIS (Netherlands)

    Baldina, Svetlana; Picarella, Maurizio E.; Troise, Antonio D.; Pucci, Anna; Ruggieri, Valentino; Ferracane, Rosalia; Barone, Amalia; Fogliano, Vincenzo; Mazzucato, Andrea

    2016-01-01

    Increased interest toward traditional tomato varieties is fueled by the need to rescue desirable organoleptic traits and to improve the quality of fresh and processed tomatoes in the market. In addition, the phenotypic and genetic variation preserved in tomato landraces represents a means to unde

  5. Tomato Preserves.

    Science.gov (United States)

    Stevens, Wendy Tessman

    1996-01-01

    Describes a project in which students selected seeds from two heirloom varieties of tomatoes, sowed the seeds, harvested the tomatoes, and fermented the seeds. Details are provided for each step of the project and the school address is included so that other students can begin similar projects. (DDR)

  6. Recognition of Artificial Ripening Tomato and Nature Mature Tomato Based on the Double Parallel Genetic Neural Network

    Directory of Open Access Journals (Sweden)

    Haibo Zhao

    2013-04-01

    Full Text Available In order to prevent artificial ripening tomato into markets to harm consumers' health, a double parallel genetic neural network identification system was designed. This system obtained tomato external color characteristic parameters (R, G, B through the computer vision device and changed the RGB value into HIS value. Put tomato external color characteristic parameters as input, tomato maturity properties as output and verified the system with test samples. The test results show that, the correct recognition rate of the system is 93.8%, providing the reference for further research of artificial ripening tomato and natural mature tomato.

  7. Impact of the market power for commercial housing project on the trading premium: Micro evidence from Beijing%市场势力对新建商品住房溢价的影响:基于北京市微观样本的实证检验

    Institute of Scientific and Technical Information of China (English)

    郭晓旸; 刘洪玉

    2013-01-01

    对于市场结构的微观研究一直是住房市场研究的重要方向之一,而国内新建商品住房市场由于开发商集中供应的特点,决定了研究卖方市场势力程度及其影响规律的重要性.论文利用北京市新建商品住房市场微观数据,测算了1029个新建商品住房项目的需求价格弹性和其中494个弹性项目的Lerner指数,得到了北京市新建商品住房市场垄断程度的空间分布情况,并在此基础上实证检验了新建商品住房项目市场势力对住房交易溢价水平的影响.实证结果表明,市场势力每提高1%,新建商品住房的交易溢价将平均提高0.83%,且该结果对不同子市场具有良好的稳健性.此外,论文还从需求价格弹性角度解释了开发商“捂盘惜售”现象.%The microscopic study of market structure is always one of the important research directions, the relevant studies of the degree and the influence of the market power, domestically, however, might be with much importance due to the significant characteristic of concentrated supply of housing by the developers. This paper estimates the price elasticity of demand for 1029 commercial housing project and, of which, the Lerner Index for 494 elastic ones using the micro-level data set from Beijing. Based on the estimated result, the spatial distribution of the degree of monopoly of the housing market in Beijing is derived, and the impact of market power on the housing trading premium is empirically tested. It is revealed that every one percent marginal increase of the market power will result in 0.83% increase of the premium, which is excellent robust over different segmentations of sub-market. Besides, an analysis perspective, based on the concept of elasticity, is provided helping to explain the phenomenon of unwillingness to sell in recent market.

  8. The equity premium puzzle and emotional asset pricing

    OpenAIRE

    Gürtler, Marc; Hartmann, Nora

    2004-01-01

    "Since the equity premium as well as the risk-free rate puzzle question the concepts central to financial and economic modeling, we apply behavioral decision theory to asset pricing in view of solving these puzzles. U.S. stock market data for the period 1960-2003 and German stock market data for the period 1977-2003 show that emotional investors who act in accordance to Bell's (1985) disappointment theory -a special case of prospect theory- and additionally administer mental accounts demand a...

  9. Desempenho de cultivares de tomateiro para mesa em ambiente protegido Performance of fresh market tomato cultivars under protected cultivation

    Directory of Open Access Journals (Sweden)

    Ronan Gualberto

    2007-06-01

    Full Text Available Com o objetivo de avaliar a produção de cultivares de tomate de mesa, cultivadas em ambiente protegido, foi conduzido em 2003 um experimento na Universidade de Marília (SP, com dez híbridos (AF 4392, Carmen, Débora Max, Diana, Duradoro, Fanny, Raisa N, Séculus, Sheila e Tilila. O delineamento experimental foi blocos casualizados com quatro repetições e parcelas quatro plantas úteis. Ocorreram diferenças significativas (pThe yield of fresh tomato cultivars was evaluated under protected cultivation. The experiment was carried out in 2003, at the University of Marília. Ten hybrids (AF 4392, Carmen, Debora Max, Diana, Duradoro, Fanny, Raisa N, Seculus, Sheila, and Tilila were evaluated in a randomized complete blocks design, four replications and plots of four useful plants. There were significant differences (p50 mm yield was similar among all genotypes, ranging from 154.3 t ha-1 (AF 4392 hybrid to 125.2 t ha-1 (Debora Max hybrid, except for the hybrid Tilila (88.0 t ha-1, lower than the others. Hybrids AF 4392 (176 g and Duradoro (175 g were those with the heaviest fruits, although similar to hybrids Fanny (164 g, Sheila (155 g, Carmen (150 g, and Seculos (149 g. Hybrid Debora Max was the only one to present the ratio longitudinal:transversal diameter equal to 1,0. All other hybrids showed average for this ratio superior to 1,00.

  10. Why Do Firms Pay an Overtime Premium?

    OpenAIRE

    Hart, Robert A.; Ma, Yue

    2000-01-01

    We develop a rationale for the payment by firms of a wage premium on marginal, or overtime, weekly hours. We examine wage-hours contracts within the framework of a two-period specific human capital model with asymmetric information. The wage premium serves to achieve contract efficiency. For those weekly hours for which a premium is paid, worker compensation exceeds the value of marginal product. There is an optimal automatic compensatory differential rule between straight-time wages and the ...

  11. The Envy Premium in Product Evaluation

    OpenAIRE

    Niels van de Ven; Marcel Zeelenberg; Rik Pieters

    2011-01-01

    Consumers are willing to pay a premium for products that elicit their envy. The more people compared themselves to a superior other, the higher the envy premium was. Yet, the emotion envy and not the upward comparison drove the final effects. The envy premium only emerged for a desirable product that the superior other owned (iPhone) when people experienced benign envy. Benign envy is elicited when the other's superior position is deserved, and malicious envy when it is undeserved. When peopl...

  12. Qualidade da classificação do tomate de mesa em unidades de beneficiamento Evaluation of fresh market tomato in packing houses

    Directory of Open Access Journals (Sweden)

    Paulo R. Ferrari

    2007-08-01

    Full Text Available A avaliação da qualidade da classificação foi realizada em duas unidades de beneficiamento de tomates de mesa, com equipamentos de classificação eletrônica e mecânica, e em dois períodos de produção, safras de verão e inverno. O objetivo deste trabalho foi avaliar a conformidade de classificação por diâmetro e coloração dos equipamentos com o proposto pelo Programa Brasileiro para a Modernização da Horticultura (PBMH, e verificar a classificação obtida por diâmetro com os equipamentos, na regulagem programada pela unidade de beneficiamento, sendo utilizados tomates da cultivar Carmen. Os resultados obtidos mostraram que não houve conformidade entre a classificação por diâmetro e a coloração feita com os equipamentos, com o proposto nas normas de classificação do PBMH. Concordância da classificação obtida com a do programa foi encontrada somente para a classe de maior diâmetro, em ambos os equipamentos. O equipamento eletrônico apresentou melhor desempenho que o mecânico; no entanto, esse equipamento deverá ser monitorado em suas atividades visando à eficiência e à viabilização do investimento. Por sua vez, no equipamento mecânico, será necessário rever o sistema de classificação com correia de lona furada para que se possa atender à legislação de classificação para o tomate de mesa.Quality evaluation of classification was done in two fresh market tomatoes packing house, using electronically and mechanical equipments in two harvest periods, summer and winter seasons. The main goal of this work was to evaluate size and color grading conformity with the standards proposed by the Brazilian Program for Horticulture Modernization and size grading obtainded with the one established by the packer. The cultivar studied was Carmen. The results showed that there was no grade conformity with the fresh tomato quality standards proposed by the Brazilian Program for Horticulture Modernization. The grade

  13. 76 FR 57082 - Premium Penalty Relief; Alternative Premium Funding Target Election Relief

    Science.gov (United States)

    2011-09-15

    ... alternative premium funding target to calculate its variable rate premium (VRP). The regulations require that such an election be filed with PBGC before the VRP due date. A plan makes an election by ] checking box... funding target is not in effect, the plan must calculate its VRP using the standard premium funding target...

  14. Marketing.

    Science.gov (United States)

    Doyle, Peter

    1987-01-01

    Explores the role of marketing in the modern firm and the key tasks of marketing management. Defines the term "marketing" and discusses it as an economic concept. Discusses three key marketing principals. (RKM)

  15. The Forward Premium Puzzle only emerges gradually

    NARCIS (Netherlands)

    K. Bernoth (Kerstin); J. von Hagen; C.G. de Vries (Casper)

    2007-01-01

    textabstractThe forward premium puzzle (FPP) is the negative correlation between the forward premium and the realized exchange rate return at maturities of a month and beyond. Some recent evidence shows that at maturities of multiple years and at the highest intra day frequency the correlation is po

  16. 42 CFR 406.32 - Monthly premiums.

    Science.gov (United States)

    2010-10-01

    ... HOSPITAL INSURANCE ELIGIBILITY AND ENTITLEMENT Premium Hospital Insurance § 406.32 Monthly premiums. (a... respect to individuals age 65 or over from the Federal Hospital Insurance Trust Fund during the succeeding... payable to “CMS Medicare Insurance,” and shows his or her name and the claim number that appears on his or...

  17. The Forward Premium Puzzle only emerges gradually

    NARCIS (Netherlands)

    K. Bernoth (Kerstin); J. von Hagen; C.G. de Vries (Casper)

    2007-01-01

    textabstractThe forward premium puzzle (FPP) is the negative correlation between the forward premium and the realized exchange rate return at maturities of a month and beyond. Some recent evidence shows that at maturities of multiple years and at the highest intra day frequency the correlation is

  18. Research on Adjust Time of Premium

    Institute of Scientific and Technical Information of China (English)

    2000-01-01

    By considering economic strength and economic profit of insurance company, this paper presents a concept-contact point, and gives premium expectation adjust time model which provides more practical significance for insurance company to make rational adjustment of premium. Finally, an illustration is given to show their application.

  19. On the characterization of convex premium principles

    OpenAIRE

    Marta Cardin; Graziella Pacelli

    2006-01-01

    In actuarial literature the properties of risk measures or insurance premium principles have been extensively studied . We propose a characterization of a particular class of coherent risk measures defined in [1]. The considered premium principles are obtained by expansion of TVar measures, consequently they look like very interesting in insurance pricing where TVar measures is frequently used to value tail risks.

  20. Qualidade dos frutos de tomate de mesa quando submetidos a impacto por ocasião do beneficiamento Fresh market tomatoes quality when submitted to impact

    Directory of Open Access Journals (Sweden)

    Ana Maria de Magalhães

    2006-12-01

    , conclui-se que o uso de superfícies protetoras diminui significativamente os danos internos nos frutos e que tomates submetidos à queda em caixas plásticas demonstraram significativa incidência em danos físicos, portanto, modificações devem ser realizadas na etapa de embalagem.The cultivation of fresh market tomatoes has been modernized with the introduction of packing lines for cleaning, sorting and classifying. Despite of those technological changes, post harvest losses are still high, mainly due to the incidence of the mechanical damages that occurr in the transfer points and during packing. The main goal of this research was to evaluate tomato quality of cv. Debora, subject to dropping after being subjected to the cleaning step on a prototype developed in laboratory to simulate a commercial system, relating quality changes to impact magnitude (G, m/s2. Therefore, fruits were subject to a 100 rpm rotation and submitted to a fall from three different heights (10, 20 e 30 cm and three different surfaces (foam, plastic box and metallic sheet. The impact magnitude (G, m/s2 was measured using an instrumented sphere, 70 mm Techmark, Inc., Lansing, EUA. Fruit quality after impact was evaluated by weight loss (%, internal bruising, and chemical analyses. The use of an instrumented sphere showed that a foam surface decreases maximum acceleration (G, m/s2 by about 70% for 10 and 20 cm high drops and 47% for 30 cm drop, compared to a metallic surface. Tomatoes submitted to drops from 30 cm high over metal surface showed increase on 31% on internal bruising when compared to fruits submitted to drops at the same height on the covered surface (foam. The highest weight loss (3,46% was found in fruits submitted to a drop from 30 cm on plastic boxes. No statistical differences were observed between the different treatments. Based on the results, it could be concluded that the use of protective surfaces significantly decrease internal bruising and weight loss and tomatoes

  1. Factors influencing buyers' willingness to offer price premiums for carbon credits sourced from urban forests

    Science.gov (United States)

    N.C. Poudyal; J.M. Bowker; J.P. Siry

    2015-01-01

    Marketing carbon offset credits generated by urban forest projects could help cities and local governments achieve their financial self-sufficiency and environmental sustainability goals. Understanding the value of carbon credits sourced from urban forests, and the factors that determine buyers’ willingness to pay a premium for such credits could benefit cities in...

  2. Dynamic jump intensities and risk premiums

    DEFF Research Database (Denmark)

    Christoffersen, Peter; Ornthanalai, Chayawat; Jacobs, Kris

    2012-01-01

    We build a new class of discrete-time models that are relatively easy to estimate using returns and/or options. The distribution of returns is driven by two factors: dynamic volatility and dynamic jump intensity. Each factor has its own risk premium. The models significantly outperform standard...... models without jumps when estimated on S&P500 returns. We find very strong support for time-varying jump intensities. Compared to the risk premium on dynamic volatility, the risk premium on the dynamic jump intensity has a much larger impact on option prices. We confirm these findings using joint...... estimation on returns and large option samples....

  3. Properties of Foreign Exchange Risk Premiums

    DEFF Research Database (Denmark)

    Sarno, Lucio; Schneider, Paul; Wagner, Christian

    2012-01-01

    We study the properties of foreign exchange risk premiums that can explain the forward bias puzzle, defined as the tendency of high-interest rate currencies to appreciate rather than depreciate. These risk premiums arise endogenously from the no-arbitrage condition relating the term structure...... of interest rates and exchange rates. Estimating affine (multi-currency) term structure models reveals a noticeable tradeoff between matching depreciation rates and accuracy in pricing bonds. Risk premiums implied by our global affine model generate unbiased predictions for currency excess returns...

  4. 38 CFR 8.17 - Discontinuance of premium waiver.

    Science.gov (United States)

    2010-07-01

    ... SERVICE LIFE INSURANCE Premium Waivers and Total Disability § 8.17 Discontinuance of premium waiver. (a... premiums shall cease as of the date of such finding, and the insurance may be continued by payment of..., and if such premium was not paid within 31 days after the due date, the insurance lapsed. (c) If...

  5. 42 CFR 403.254 - Calculation of premiums.

    Science.gov (United States)

    2010-10-01

    ... Ratio Provisions § 403.254 Calculation of premiums. (a) General provisions. To calculate the amount of... loss ratio calculation period. (b) Specific provisions. (1) Earned premium for a given period means— (i) Written premiums for the period; plus— (ii) The total premium reserve at the beginning of the period;...

  6. 75 FR 9247 - Single Family Mortgage Insurance Premium, Single Family

    Science.gov (United States)

    2010-03-01

    ... URBAN DEVELOPMENT Single Family Mortgage Insurance Premium, Single Family AGENCY: Office of the Chief... the Single Family Premium Collection Subsystem-Upfront (SFPCS-U) to remit the upfront premium to... manage and process upfront single family mortgage insurance premium collections and corrections to submit...

  7. Desempenho agronômico de híbridos F1 de tomate de mesa Agronomic attributes of F1 fresh market tomato hybrids

    Directory of Open Access Journals (Sweden)

    Fabrício Franco B dos Santos

    2011-09-01

    Full Text Available Objetivou-se avaliar e selecionar híbridos experimentais F1 de tomate de mesa do grupo salada quanto ao desempenho agronômico em condições de campo. Conduziu-se o experimento na Estação Experimental da Nunhems do Brasil, em Paulinia-SP, de fevereiro a junho de 2008. Obtiveram-se híbridos experimentais entre dez linhagens do BAG de tomate da Nunhems. Utilizou-se o delineamento experimental blocos casualizados com 36 tratamentos, quatro repetições e dez plantas por parcela. Com base no agrupamento de médias pelo teste de Scott-Knott, os resultados do desempenho agronômico dos híbridos experimentais para sete características avaliadas mostraram grande variabilidade entre os genótipos para comprimento de fruto e largura de fruto, com quatro grupos de médias. Os híbridos mostraram boa variabilidade para produção de frutos por planta e altura de planta, com três agrupamentos cada e, para as características número de frutos por planta, número de pencas por planta e distância da primeira penca do solo, mostraram-se menos divergentes, com dois grupos de médias. HE-38 e HE-14, com valores heteróticos positivos, destacaram-se como os mais produtivos em relação ao híbrido-padrão Aplauso.The study aims to obtain and select F1 resistant hybrids of tomato for fresh market and evaluate their agronomic attributes in field conditions. The work was carried out at Nunhems Experimental Station, located in Paulínia, São Paulo State, Brazil, from February to June 2008. The experimental design was completely randomized blocks with 36 treatments, four replications and ten plants per plot. Based on the grouping of means by Scott-Knott test, the performance of hybrids for seven agronomic traits showed great variability among genotypes for fruit length and width with four groups of means. There was good variability for yield per plant, and plant height with three groups of means for each character. The traits fruit number per plant, cluster

  8. Influence of Transportation Conditions and Postharvest Disinfection Treatments on Microbiological Quality of Fresh Market Tomatoes (cv. Nemo-Netta) in a South African Supply Chain.

    Science.gov (United States)

    Sibomana, M S; Ziena, L W; Schmidt, S; Workneh, T S

    2017-02-01

    Postharvest microbial spoilage due to suboptimal transportation and packaging conditions is a key concern for the South African tomato industry. This study investigated the influence of washing with tap water or aqueous disinfectant solutions (chlorinated and anolyte water) on the microbiological quality of tomatoes during storage after transportation in nonrefrigerated trucks along two supply routes when packaged in crates and boxes. Route 1 was 1,093 km from field to storage site, while route 2 was 1,057 km. During transport, the temperature in the trucks fluctuated between 16 and 28°C and the relative humidity between 25 and 94% for route 1, while for route 2, the temperature was between 16 and 30°C and the relative humidity between 28 and 71%. Tomatoes at the pink maturity stage were sampled, treated, and stored for 28 days (11°C). The tomato firmness before treatment was 24.8 N (box samples) and 17.4 N (crate samples) for route 1, whereas it was 22.1 N (box samples) and 20.2 N (crate samples) for route 2. Temperature fluctuation during transportation led to water condensation on tomato surfaces. Tomatoes treated with anolyte water showed the lowest microbial surface burden during storage, with mean aerobic plate counts (APC) of 2.9 log CFU/cm(2), coliform counts (CC) of 1.1 log CFU/cm(2), and fungal counts (FC) of 2.3 log CFU/cm(2). Overall, of the total APC recorded during storage, anolyte-treated samples contributed 9% while chlorinated water-treated samples contributed 30%. Of the total CC, anolyte samples presented 3% while chlorinated water samples made up 12%, and of the total recorded FC, anolyte samples contributed 7% while chlorinated water samples made up 22%. Scanning electron microscopy imaging showed surface cracks, which enable microbial colonization in crate-transported tomatoes. A combination of anolyte treatment and box packaging during transport resulted in the best microbiological quality during storage. The findings of this investigation

  9. 78 FR 666 - Treasury Inflation-Protected Securities Issued at a Premium; Bond Premium Carryforward

    Science.gov (United States)

    2013-01-04

    ... From the Federal Register Online via the Government Publishing Office DEPARTMENT OF THE TREASURY Internal Revenue Service 26 CFR Part 1 RIN 1545-BK45; 1545-BL29 Treasury Inflation-Protected Securities Issued at a Premium; Bond Premium Carryforward AGENCY: Internal Revenue Service (IRS), Treasury....

  10. Philadelphia and the Tomato.

    Science.gov (United States)

    Smith, Andrew F.; Kling, Tatiana

    This booklet describes for elementary students the many contributions of people, traveling many places, over many years to bring the tomato to Philadelphia. The booklet includes the following: (1) "Introduction to the Tomato"; (2) "Where Does the Tomato Come From?"; (3) "The Spanish Tomato"; (4) "The Philadelphia…

  11. ECONOMIC EFFICIENCY IN TOMATOES PRODUCTION IN GREENHOUSES

    Directory of Open Access Journals (Sweden)

    A POPESCU

    2003-07-01

    Full Text Available This study aimed to appreciate the evolution of economic efficiency in tomatoes production in greenhouses within a private firm situated next to the capital. The firm owns 4 ha greenhouses and the weight of tomatoes crop in the cultivated area is just 38.75 %. In fact, during the last three years, the tomatoes cultivated surface has been diminished in favour of flowers production which, like tomatoes production is an important income source for any producer. The reduction of the tomatoes cultivated area was compensated by the increase of intensification grade using new high performance hybrids and modern technologies. Thus, the scientific production management has been looking for maintaining the total production at the same level from a year to another by an increased average tomatoes yield by 53.33 % . The continuous increase of farm input price has doubled the cost per surface unit and increased the cost per tomatoes kilogram by 33 %. The increase of tomatoes demand and of market price by 31 % have had a positive influence on the farm incomes which has doubled during the last three years. In the year 2000, the company has obtained USD 41,818 income/ha of which subtracting the related production cost we can easily get USD 4,815 profit/ha. The average profit rate recorded by the firm is 13 % in the period 2000-2002, when the study was made. As a conclusion, tomatoes production in greenhouses is a good deal. To keep a high economic efficiency, under the diminishing of the cultivated area, the producers have to increase average tomatoes production by using high performance technology based on high economic value hybrids.

  12. A puzzle of excessive equity risk premium and the case of Poland

    Directory of Open Access Journals (Sweden)

    Paweł Kliber

    2016-07-01

    Full Text Available The article presents a historical review of the literature related to the empirical problem of excessive risk premium. The risk premium (the diff erence between the return on equiti es and risk-free rate observed in fi nancial markets cannot be reconciled with theoreti cal models of fi nancial markets – it is too high (“excessive”. We present the original model from the seminal work of Mehra and Prescott (1985, where this problem has been signaled. The article gives an overview of the main trends in the literature concerning this problem, of the proposed soluti ons and of the extension to the model. Finally, we consider the problem in the Polish context, estimating the original Mehra-Prescott model using data from the Polish financial market.

  13. Toward a longer shelf life of tomato fruit

    Science.gov (United States)

    Shelf life of ripe tomato fruit is economically very important, from production to the marketing chain, since it determines the cash returns to the grower and the grocer/processor. Shelf life of horticultural edible produce, including tomato, is regulated through myriad physiological, biochemical an...

  14. Bayesian Statistics in Adjustment of Premium%贝叶斯方法在调整保险费率中的应用

    Institute of Scientific and Technical Information of China (English)

    陈正; 汪飞飞

    2012-01-01

    Adjustment of premium by the situation of the market management is very important for the in- surance company. This paper illustrates Bayesian premium adjusted method by using example analyzes the feasibility of premium valuation under Bayesian premium adjusted method. Both method and conclusions could be applied in small sample premium valuation of non-life insurance practice.%根据市场经营情况适时调整保险费系统对保险公司至关重要。对贝叶斯调整保险费方法进行阐述,运用实例分析说明贝叶斯调整保险费方法估计保险费率的可行性。本文的方法和结论可运用于非寿险实务中小样本数据的保险费估计工作。

  15. Direct marketing of electricity from biogas plants; Direktvermarktung von Strom aus Biogasanlagen. Chancen und Risiken aus rechtlicher Sicht

    Energy Technology Data Exchange (ETDEWEB)

    Falke, Iris; Schlichting, Julia [Schnutenhaus und Kollegen, Rechtsanwaelte, Berlin (Germany)

    2013-10-01

    The German Renewable Energy Sources Act of January, 1{sup st} 2012 contains new possibilities of direct selling electricity to the market, to promote and to improve market integration of electricity generated from renewable energies. The core is the introduction of a market premium for electricity which has actually been fed into the grid system and purchased by a third party. In addition to his market revenues, the installation operator receives the market premium. The market premium replaces the guaranteed EEG feed-in tariff. The market premium should cover the difference between the proceeds from direct selling and the EEG feed-in tariff. In addition, installation operators receive a management premium to compensate their transaction costs. As a supplement to the market premium model the EEG 2012 introduces a flexibility premium to create an economic incentive for providing additional capacities and encourage a demand-oriented electricity production. Further possibilities of direct marketing are the ''green electricity privilege'' and the non-subsided direct marketing. This article provides an over-view of the different forms of direct-marketing that are included in EEG 2012 with a focus on the market premium and the flexibility premium. These two instruments are of high importance to operators of installations generating electricity from biogas. A further emphasis is put on risks and chances in contract negotiation in the context of direct marketing. (orig.)

  16. Peeling tomato paste subsidies : the impact of a revision of the CMO for processing tomatoes on European horticulture

    NARCIS (Netherlands)

    Bunte, F.H.J.; Roza, P.

    2007-01-01

    This report evaluates the effects of a possible reform of the Common Market Organisation for processing tomatoes on production and trade of fruits and vegetables in Europe. The report describes the processing tomato supply chain and EU policy since 1978 and analyses the effects of possible reforms o

  17. Marketing.

    Science.gov (United States)

    Chambers, David W

    2010-01-01

    There is not enough marketing of dentistry; but there certainly is too much selling of poor quality service that is being passed off as dentistry. The marketing concept makes the patient and the patients' needs the ultimate criteria of marketing efforts. Myths and good practices for effective marketing that will promote oral health are described under the traditional four "Ps" categories of "product" (best dental care), "place" (availability), "promotion" (advertising and other forms of making patients aware of available services and how to use them), and "price" (the total cost to patients of receiving care).

  18. Inflation, Endogenous Market Segmentation and the Term Structure of Interest Rates

    OpenAIRE

    Vries, Casper; Wang, X.

    2015-01-01

    markdownabstract__Abstract__ The term structure of interest rates does not adhere to the expectations hypothesis, possibly due to a risk premium. We consider the implications of a risk premium that arises from endogenous market segmentation driven by variable inflation rates. In the absence of autocorrelation in inflation, the risk premium is constant. If inflation is correlated, however, the risk premium becomes time varying and we can rationalize the failure of the expectations hypothesis. ...

  19. Alternate furrow irrigation of four fresh-market tomato cultivars under semi-arid condition of Ethiopia – Part II: Physiological response

    Directory of Open Access Journals (Sweden)

    Ashinie Bogale

    2016-11-01

    Full Text Available Understanding the variation in physiological response to deficit irrigation together with better knowledge on physiological characteristics of different genotypes that contribute to drought adaptation mechanisms would be helpful in transferring different irrigation technologies to farmers. A field experiment was carried to investigate the physiological response of four tomato cultivars (Fetan, Chali, Cochoro and ARP Tomato d2 to moderate water deficit induced by alternate furrow irrigation (AFI and deficit irrigation (DI under semi-arid condition of Ethiopia during 2013 and 2014. The study also aimed at identifying physiological attributes to the fruit yield of tomato under different deficit irrigation techniques. A factorial combination of irrigation treatments and cultivar were arranged in a complete randomized design with three replicates. Results showed that stomatal conductance (g_s was significantly reduced while photosynthetic performance measured as chlorophyll fluorescence (Fv’/Fm’, relative water content (RWC and leaf ash content remained unaffected under deficit irrigations. Significant differences among cultivars were found for water use efficiency (WUE, g_s, chlorophyll content (Chl_SPAD, normal difference vegetation index (NDVI, leaf ash content and fruit growth rate. However, cultivar differences in WUE were more accounted for by the regulation of g_s, therefore, g_s could be useful for breeders for screening large numbers of genotypes with higher WUE under deficit irrigation condition. The study result also demonstrated that cultivar with traits that contribute to achieve higher yields under deficit irrigation strategies has the potential to increase WUE.

  20. STRENGTH DESIGN OF PREMIUM THREADED CASING CONNECTION

    Institute of Scientific and Technical Information of China (English)

    Gao Lianxin; Jin Ye; Zhang Yi

    2004-01-01

    Using premium casing connections instead of API ones is one of the most effective technique to prevent casing failure.The factors contribute to the strength of premium casing connections are studied with FEA and full-scale test.The criterions are presented that ensure the connection's strength higher than the pipe.At the same time, the method is given to decrease the peak stress of the connection so as to improve its anticorruption property.At last, full-scale tests are done to test the strength of the connections designed with the method described, the results show that the connection's strength is higher than the pipe.This indicated that the method described is effective in designing premium casing connection.

  1. Perfil dos compradores de tomate de mesa em supermercados da região de Campinas Market profile of fresh tomato consumers in the Campinas area

    Directory of Open Access Journals (Sweden)

    Caroline Andreuccetti

    2005-03-01

    Full Text Available O acesso a informações e às mudanças tecnológicas fizeram com que consumidores se tornassem cada vez mais exigentes e preocupados com a saúde. Assim, procurou-se estabelecer o comportamento de compra dos consumidores de tomate de mesa (Lycopersicon esculentum Mill. em supermercados de Campinas (SP, e a partir das respostas aos questionários traçou-se seu perfil destacando suas preferências, costumes, reclamações e exigências. Identificou-se que é a mulher que realiza as compras para casa, com preferência pelo consumo do tomate na forma "in natura". Encontrou-se insatisfação de 95,6% dos entrevistados quanto à qualidade do tomate, sendo a presença de danos físicos a maior reclamação. Assim, a qualidade do tomate que estava sendo apresentado nas gôndolas dos supermercados não correspondia àquela indicada pelos consumidores (frutos com coloração vermelha, uniformes e ausência de injúrias. Diante da insatisfação dos consumidores e considerando que o tomate preferencialmente é consumido "in natura" deve-se atentar para sua aparência externa, promovendo manuseio adequado nas etapas pós-colheita a fim de minimizar danos físicos. Os consumidores revelaram que pagariam uma quantia mais elevada pelo tomate caso este apresentasse melhor qualidade. A opinião do consumidor deve ser considerada para se encontrar soluções tecnológicas e/ou estratégicas que possam minimizar os danos pós-colheita do tomate, atingindo suas expectativas quanto à qualidade do produto.Access to information together with technological developments have helped to make consumers more preocupied about their health. A study was made of the buying habits of tomato consumers in supermarkets in Campinas (São Paulo State, Brazil. With the answers to the questionnaire to hand it was possible to determine the preferences, the customs, the complaints and the demands of the customers. It was established that it is the woman of the house who does the

  2. Investing in systematic factor premiums

    NARCIS (Netherlands)

    Koedijk, Kees G.; Slager, Alfred M. H.; Stork, P.A.

    2016-01-01

    In this paper we investigate and evaluate factor investing in the US and Europe for equities and bonds. We show that factor-based portfolios generally produce comparable or better portfolios than market indices. We expand the analysis to other asset classes and factors, work with other optimisation

  3. Second Thoughts on the Exporter Productivity Premium

    DEFF Research Database (Denmark)

    Schröder, Philipp; Sørensen, Allan

    2012-01-01

    Contrary to the prevailing interpretation, this paper shows that the central models of trade with heterogeneous firms [Melitz (2003) and Bernard et al.(2003)] exhibit ambiguous predictions for the exporter productivity premium. This prospect arises due to differences between theoretical and empir......Contrary to the prevailing interpretation, this paper shows that the central models of trade with heterogeneous firms [Melitz (2003) and Bernard et al.(2003)] exhibit ambiguous predictions for the exporter productivity premium. This prospect arises due to differences between theoretical...... for empirical research on exporter performance including learning, and the role of non-parametric regressions (stochastic dominance, quantile regressions), fixed costs and productivity distributions....

  4. The marriage premium and compensating wage differentials.

    Science.gov (United States)

    Reed, W R; Harford, K

    1989-12-01

    This paper proposes and tests an alternative explanation of the marriage premium that relies upon differences in workers' tastes and compensating wage differentials. A key assumption is that marital status proxies for the consumption of family goods, such as children, and that these are costly. Workers whose greater demands for family goods are taste- generated and shown to choose jobs that offer greater wage, and less non-pecuniary compensation. This creates an observed wage premium that has nothing to do with differences in workers' productivities. Supporting empirical evidence for this hypothesis is presented, including a reevaluation of previous studies.

  5. Valoração dos atributos de qualidade do tomate de mesa: um estudo com atacadistas da CEAGESP Valuation of the quality attributes of tomato for fresh market: a study with CEAGESP wholesalers

    Directory of Open Access Journals (Sweden)

    Sabrina L de Oliveira

    2012-06-01

    Full Text Available A grande variação no valor do tomate de mesa, do mesmo grupo varietal, mesma classificação e no mesmo dia de comercialização, no mercado atacadista da CEAGESP, tem entre suas causas mais importantes a diferença de qualidade nos atributos destes frutos. O objetivo deste trabalho foi criar uma ferramenta de avaliação dos atributos de qualidade considerados importantes para o tomate de mesa e, a partir da avaliação, apontar os mais relevantes na diferença de valor praticado na comercialização da CEAGESP. Primeiramente, foram levantados os principais atributos que determinam a qualidade do tomate de mesa a partir de entrevista com agentes de comercialização de tomate da CEAGESP. A partir deste levantamento, foi criado um gabarito de avaliação visual da qualidade. Por fim, foram levantados os lotes de tomate de mesa de preço máximo e os de preço mínimo para três classificações (graúdo, médio e miúdo comercializados no mesmo dia, avaliando-se os seus atributos de qualidade por dois sistemas: sistema I - avaliação dos atributos de qualidade por meio de notas de desempenho de acordo com o gabarito, e o sistema II - levantamento da frequência de ocorrência de cada atributo avaliado no lote de tomate. Os atributos que determinam a qualidade do tomate, segundo os agentes de comercialização de tomate da CEAGESP, são: o tamanho (tipo ou calibre, a coloração do fruto, a ausência de defeitos, durabilidade, embalagem e sabor. Os atributos determinantes na variação de preços avaliados pelo sistema I são embalagens paletizáveis e embalagens que proporcionem um adequado empilhamento, enquanto que, para o sistema II, estes atributos são: frutos sem danos superficiais de casca e proteção adequada da embalagem contra injúrias mecânicas.The great variation in the value of tomato from the same variety group, same classification and on the same day of marketing, registered by the Terminal Market of CEAGESP, were related to

  6. 76 FR 50931 - Health Insurance Premium Tax Credit

    Science.gov (United States)

    2011-08-17

    ... Internal Revenue Service 26 CFR Part 1 RIN 1545-BJ82 Health Insurance Premium Tax Credit AGENCY: Internal.... SUMMARY: This document contains proposed regulations relating to the health insurance premium tax credit... individuals who enroll in qualified health plans through Affordable Insurance Exchanges and claim the premium...

  7. 5 CFR 870.405 - Direct premium payments.

    Science.gov (United States)

    2010-01-01

    ... (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Cost of Insurance § 870.405 Direct premium... or retirement system must submit all direct premium payments, along with its regular life insurance... some or all of the insurance or to make direct premium payments. An employee, annuitant,...

  8. 49 CFR 260.15 - Credit risk premium.

    Science.gov (United States)

    2010-10-01

    ... 49 Transportation 4 2010-10-01 2010-10-01 false Credit risk premium. 260.15 Section 260.15... REHABILITATION AND IMPROVEMENT FINANCING PROGRAM Overview § 260.15 Credit risk premium. (a) Where available... pay to the Administrator a Credit Risk Premium adequate to cover that portion of the subsidy cost not...

  9. 42 CFR 408.68 - When premiums are considered paid.

    Science.gov (United States)

    2010-10-01

    ... 42 Public Health 2 2010-10-01 2010-10-01 false When premiums are considered paid. 408.68 Section 408.68 Public Health CENTERS FOR MEDICARE & MEDICAID SERVICES, DEPARTMENT OF HEALTH AND HUMAN SERVICES....68 When premiums are considered paid. (a) Payment by check. The premium is considered paid if...

  10. Clearwood quality and softwood lumber prices: what's the real premium?

    Science.gov (United States)

    Thomas R. Waggener; Roger D. Fight

    1999-01-01

    Diminishing quantities of appearance grade lumber and rising price premiums for it have accompanied the transition from old-growth to young-growth timber. The price premiums for better grades are an incentive for producers to undertake investments to increase the yield of those higher valued products. Price premiums, however, are also an incentive for users to...

  11. Targeting the Online Market

    Institute of Scientific and Technical Information of China (English)

    MARKGODFREY

    2004-01-01

    Many marketing executives did adouble take in April whenChanel tested a marketing medium previously shunned by most premium brands: permission email. Shanghai-based marketing firm 2i Communications created the opt-in email campaign to draw customers to Chanel's new skin care product Precision. The company emailed ecoupons 120,000 young women earning more than 3,000 yuan (US$362.4) per month in five cities across China.

  12. 78 FR 77604 - Tomatoes Grown in Florida; Increased Assessment Rate

    Science.gov (United States)

    2013-12-24

    ...; ] DEPARTMENT OF AGRICULTURE Agricultural Marketing Service 7 CFR Part 966 Tomatoes Grown in Florida; Increased Assessment Rate AGENCY: Agricultural Marketing Service, USDA. ACTION: Proposed rule. SUMMARY: This proposed... ``order.'' The order is effective under the Agricultural Marketing Agreement Act of 1937, as amended (7...

  13. Mineral composition of organically grown tomato

    Science.gov (United States)

    Ghambashidze, Giorgi

    2014-05-01

    In recent years, consumer concerns on environmental and health issues related to food products have increased and, as a result, the demand for organically grown production has grown. Results indicate that consumers concerned about healthy diet and environmental degradation are the most likely to buy organic food, and are willing to pay a high premium. Therefore, it is important to ensure the quality of the produce, especially for highly consumed products. The tomato (Lycopersicon esculentum) is one of the most widely consumed fresh vegetables in the world. It is also widely used by the food industries as a raw material for the production of derived products such as purees or ketchup. Consequently, many investigations have addressed the impact of plant nutrition on the quality of tomato fruit. The concentrations of minerals (P, Na, K, Ca and Mg) and trace elements (Cu, Zn and Mn) were determined in tomatoes grown organically in East Georgia, Marneuli District. The contents of minerals and Mn seem to be in the range as shown in literature. Cu and Zn were found in considerably high amounts in comparison to maximum permissible values established in Georgia. Some correlations were observed between the minerals and trace elements studied. K and Mg were strongly correlated with Cu and Zn. Statistically significant difference have shown also P, K and Mg based between period of sampling.

  14. A "LHC Premium" for Early Career Researchers? Perceptions from within

    CERN Document Server

    Camporesi, Tiziano; Florio, Massimo; Giffoni, Francesco

    2016-01-01

    More than 36,000 students and post-docs will be involved in experiments at the Large Hadron Collider (LHC) until 2025. Do they expect that their learning experience will have an impact on their professional future? By drawing from earlier salary expectations literature, this paper proposes a framework aiming at explaining the professional expectations of early career researchers (ECR) at the LHC. Results from different ordered logistic models suggest that experiential learning at LHC positively correlates with both current and former students' salary expectations. At least two not mutually exclusive explanations underlie such a relationship. First, the training at LHC gives early career researchers valuable expertise, which in turn affects salary expectations; secondly, respondents recognise that the LHC research experience per se may act as a signal in the labour market. Respondents put a price tag on their experience at LHC, a "salary premium" ranging from 5% to 12% in terms of future salaries compared with...

  15. 34 CFR 682.505 - Insurance premium.

    Science.gov (United States)

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Insurance premium. 682.505 Section 682.505 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION FEDERAL FAMILY EDUCATION LOAN (FFEL) PROGRAM Federal Guaranteed Student Loan...

  16. Modeling foreign exchange risk premium in Armenia

    NARCIS (Netherlands)

    Poghosyan, Tigran; Kocenda, Evnen; Zemcik, Petr

    2008-01-01

    This paper applies stochastic discount factor methodology to modeling the foreign exchange risk premium in Armenia. We use weekly data on foreign and domestic currency deposits, which coexist in the Armenian banking system. This coexistence implies elimination of the cross-country risks and transact

  17. Response of Argonne Premium coals to heat

    Energy Technology Data Exchange (ETDEWEB)

    Isaacs, L.L.; Abhari, R.; Ledesma, R.; Tsafantakis, E. (City College, New York, NY (USA). Dept. of Chemical Engineering)

    The thermal responses of the Argonne Premium Coals and of the inorganic materials separated from the coals were obtained by differential scanning calorimetry. Thermogravimetry was used to quantify the mass loss induced due to heating. The energetics of several prepyrolytic processes in the coals were calculated. 24 refs., 13 figs., 3 tabs.

  18. 12 CFR 329.103 - Premiums.

    Science.gov (United States)

    2010-01-01

    ... DEPOSITS § 329.103 Premiums. This interpretive rule describes certain payments that are not deemed to be... the balance in a demand deposit account and the duration of the account balance shall not be considered the payment of interest on a demand deposit account and shall not be subject to the limitations...

  19. Approximations for stop-loss reinsurance premiums

    NARCIS (Netherlands)

    Reijnen, Rajko; Albers, Willem/Wim; Kallenberg, W.C.M.

    2005-01-01

    Various approximations of stop-loss reinsurance premiums are described in literature. For a wide variety of claim size distributions and retention levels, such approximations are compared in this paper to each other, as well as to a quantitative criterion. For the aggregate claims two models are use

  20. Approximations for stop-loss reinsurance premiums

    NARCIS (Netherlands)

    Reijnen, Rajko; Albers, Willem; Kallenberg, Wilbert C.M.

    2005-01-01

    Various approximations of stop-loss reinsurance premiums are described in literature. For a wide variety of claim size distributions and retention levels, such approximations are compared in this paper to each other, as well as to a quantitative criterion. For the aggregate claims two models are use

  1. Approximations for stop-loss reinsurance premiums

    NARCIS (Netherlands)

    Reijnen, R.; Albers, W.; Kallenberg, W.C.M.

    2003-01-01

    Various approximations of stop-loss reinsurance premiums are described in literature. For a wide variety of claim size distributions and retention levels, such approximations are compared in this paper to each other, as well as to a quantitative criterion. For the aggregate claims two models are use

  2. Market Rationality: Efficient Market Hypothesis versus Market Anomalies

    Directory of Open Access Journals (Sweden)

    Kadir Can Yalcin

    2010-10-01

    Full Text Available Market efficiency theory suggests that market is rational and provides correct pricing. That is, the current prices of securities are close to their fundamental values because of either the rational investors or the arbitragers’ buy and sell action of underpriced or overpriced stocks. On the other hand, observed market anomalies have a challenge for this argument. They claim that irrational investment activities and the arbitrage opportunities’ being limited in markets cause some market anomalies that are inconsistent with efficient market hypothesis. The most commonly seen anomalies are the “volume”, “volatility”, “cash dividends”, “equity premium puzzle”, and the “predictability”. This work is a literature survey, and its main objective is to deal with efficient market theory and market anomalies in order to examine the question “Are markets rational or not"?

  3. Market Rationality: Efficient Market Hypothesis versus Market Anomalies

    Directory of Open Access Journals (Sweden)

    Kadir Can Yalcin

    2016-02-01

    Full Text Available Market efficiency theory suggests that market is rational and provides correct pricing. That is, the current prices of securities are close to their fundamental values because of either the rational investors or the arbitragers' buy and sell action of underpriced or overpriced stocks. On the other hand, observed market anomalies have a challenge for this argument. They claim that irrational investment activities and the arbitrage opportunities' being limited in markets cause some market anomalies that are inconsistent with efficient market hypothesis. The most commonly seen anomalies are the "volume", "volatility", "cash dividends", "equity premium puzzle", and the "predictability". This work is a literature survey, and its main objective is to deal with efficient market theory and market anomalies in order to examine the question "Are markets rational or not"?

  4. Tomato contact dermatitis

    DEFF Research Database (Denmark)

    Paulsen, Evy; Christensen, Lars P; Andersen, Klaus Ejner

    2012-01-01

    The tomato plant (Solanum lycopersicum) is an important crop worldwide. Whereas immediate-type reactions to tomato fruits are well known, contact dermatitis caused by tomatoes or tomato plants is rarely reported. The aims of this study were to present new data on contact sensitization to tomato...... plants and review the literature on contact dermatitis caused by both plants and fruits. An ether extract of tomato plants made as the original oleoresin plant extracts, was used in aimed patch testing, and between 2005 and 2011. 8 of 93 patients (9%) tested positive to the oleoresin extracts....... This prevalence is in accordance with the older literature that reports tomato plants as occasional sensitizers. The same applies to tomato fruits, which, in addition, may cause protein contact dermatitis. The allergens of the plant are unknown, but both heat-stable and heat-labile constituents seem...

  5. Migration, Careers and the Urban Wage Premium: Does Human Capital Matter?

    OpenAIRE

    Korpi, Martin; William A V Clark

    2015-01-01

    Using detailed Swedish full population data on regional migrants, this paper addresses the question of whether the urban wage premium, and “thick” labor market matching effects, are found only among the higher educated or across all educational groups, and whether the urban population threshold for these type of effects varies by educational category. Estimating initial wages, average wage level and wage growth 2001-2009, we find similar matching effects for all educational groups in the thre...

  6. The effects of geographical competition and demand on grocery price premium

    OpenAIRE

    Halme, Kari; Akpinar, Murat; Neuvonen, Heidi

    2016-01-01

    Due to the duopolistic characteristics of the Finnish grocery retail trade proprietor-run stores operate as adaptive price setters on the market. This paper examined the effects of geographical competition and demand on proprietor-run grocery stores’ pricing in Finland’s most populated province –Uusimaa. The assumption is that the price premium of a proprietoroperated store compared to the nearest co-operative competitor reflects the characteristics of competition and demand. Hypotheses on th...

  7. Patient Protection and Affordable Care Act; program integrity: exchange, premium stabilization programs, and market standards; amendments to the HHS notice of benefit and payment parameters for 2014. Final rule.

    Science.gov (United States)

    2013-10-30

    This final rule implements provisions of the Patient Protection and Affordable Care Act and the Health Care and Education Reconciliation Act of 2010 (collectively referred to as the Affordable Care Act). Specifically, this final rule outlines financial integrity and oversight standards with respect to Affordable Insurance Exchanges, qualified health plan (QHP) issuers in Federally-facilitated Exchanges (FFEs), and States with regard to the operation of risk adjustment and reinsurance programs. It also establishes additional standards for special enrollment periods, survey vendors that may conduct enrollee satisfaction surveys on behalf of QHP issuers, and issuer participation in an FFE, and makes certain amendments to definitions and standards related to the market reform rules. These standards, which include financial integrity provisions and protections against fraud and abuse, are consistent with Title I of the Affordable Care Act. This final rule also amends and adopts as final interim provisions set forth in the Amendments to the HHS Notice of Benefit and Payment Parameters for 2014 interim final rule, published in the Federal Register on March 11, 2013, related to risk corridors and cost-sharing reduction reconciliation.

  8. Health Insurance Marketplaces: Premium Trends in Rural Areas.

    Science.gov (United States)

    Barker, Abigail R; Kemper, Leah M; McBride, Timothy D; Meuller, Keith J

    2016-05-01

    Since 2014, when the Health Insurance Marketplaces (HIMs) authorized by the Patient Protection and Affordable Care Act (ACA) were implemented, considerable premium changes have been observed in the marketplaces across the 50 states and the District of Columbia. This policy brief assesses the changes in average HIM plan premiums from 2014 to 2016, before accounting for subsidies, with an emphasis on the widening variation across rural and urban places. Since this brief focuses on premiums without accounting for subsidies, this is not intended to be an analysis of the "affordability" of ACA premiums, as that would require assessment of premiums, cost-sharing adjustments, and other factors.

  9. The value premium within and across GICS industry sectors in a pre-financial collapse sample

    Directory of Open Access Journals (Sweden)

    Kenneth E. Scislaw

    2015-12-01

    Full Text Available A portfolio manager employing a top-down/bottom-up method who seeks to capture the value premium long promised in academic literature would want to first determine whether the premium exists across industries and not just observed in firm-specific book-to-market (BE/ME relationships. Next, the investor would want to know if BE/ME characteristics are stable across these defined homogeneous groups or whether there is considerable variation. Results show that certain industries appear to have a natural or structural tendency to reflect either a high or low BE/ME characteristic. Results also shows that growth-oriented industry BE/ME characteristics appear to be more stable than value-oriented industries over time. Moreover, stocks from growth-oriented industries tend to cluster at high rates in the lowest BE/ME quintile, while stocks from value-oriented industries appear more evenly distributed across middle BE/ME quintiles over time. Value stocks found in growth sectors outperform value stocks in value sectors, contrary to prior published results. The January premium exists both within and across Global Industry Classification Standard industry sectors, but the value premium is not subsumed by the January effect in either analysis.

  10. Clarification of Tomato Juice with Polygalacturonase Obtained from Tomato Fruits Infected by Aspergillus niger.

    Science.gov (United States)

    Ajayi, A A; Peter-Albert, C F; Akeredolu, M; Shokunbi, A A

    2015-02-01

    Two varieties of tomato fruits commonly available in Nigerian markets are the Roma VF and Ibadan local varieties of tomato fruits. The Roma VF fruits are oval in shape. It is a common type of cultivar in the Northern region of Nigeria and it is not susceptible to cracking. The Ibadan local variety of tomato fruits is a local variety commonly found on farmers fields in South-western region of Nigeria. They are highly susceptible to cracking. The Ibadan local variety was employed for this research. There are lots of benefits derived from the consumption of tomato fruits. The fruits can be made into tomato juice clarified with pectinases. Polygalacturonase is one of the pectinases used commercially in the clarification of fruit juice from different fruits. This study examined the production of polygalacturonase during the deterioration of tomato fruits by Aspergillus niger and the role of the purified polygalacturonase in the clarification of tomato juice. Tomato fruits of the Ibadan local variety were inoculated with mycelia discs containing spores of a 96-h-old culture of Aspergillus niger served as the inoculum. The organism from the stock culture was subcultured onto potato dextrose agar plates. The extraction of polygalacturonase after 10 days of incubation at 27 degrees C was carried out by homogenizing the fruits with liquid extractant using the MSE homogenizer after the deteriorated fruits had been chilled for 30 min inside a freezer. Control fruits were similarly treated except that sterile potato dextrose agar served as the inoculum. The effect of different temperature of incubation and different volume of enzyme on the tomato juice from the tomato fruits was investigated. Extracts from the inoculated fruits exhibited appreciable polygalacturonase activity. The juice with polygalacturonase was visually clearer and more voluminous than the juice treated with water for all parameters studied. The highest volume of juice was obtained after an incubation period

  11. Selling Into the Sun: Price Premium Analysis of a Multi-State Dataset of Solar Homes

    Energy Technology Data Exchange (ETDEWEB)

    Adomatis, Sandra [Adomatis Appraisal Services, Punta Gorda, FL (United States); Jackson, Thomas [Texas A & M Univ. and Real Property Analytics Inc., College Station, TX (United States); Graff-Zivin, Joshua [Univ. of California, San Diego, CA (United States); Thayer, Mark [San Diego State Univ., CA (United States); Klise, Geoffrey [Sandia National Lab. (SNL-NM), Albuquerque, NM (United States); Wiser, Ryan [Lawrence Berkeley National Lab. (LBNL), Berkeley, CA (United States); Hoen, Ben [Lawrence Berkeley National Lab. (LBNL), Berkeley, CA (United States)

    2015-01-01

    Capturing the value that solar photovoltaic (PV) systems may add to home sales transactions is increasingly important. Our study enhances the PV-home-valuation literature by more than doubling the number of PV home sales analyzed (22,822 homes in total, 3,951 of which are PV) and examining transactions in eight states that span the years 2002–2013. We find that home buyers are consistently willing to pay PV home premiums across various states, housing and PV markets, and home types; average premiums across the full sample equate to approximately $4/W or $15,000 for an average-sized 3.6-kW PV system. Only a small and non-statistically significant difference exists between PV premiums for new and existing homes, though some evidence exists of new home PV system discounting. A PV green cachet might exist, i.e., home buyers might pay a certain amount for any size of PV system and some increment more depending on system size. The market appears to depreciate the value of PV systems in their first 10 years at a rate exceeding the rate of PV efficiency losses and the rate of straightline depreciation over the asset’s useful life. Net cost estimates—which account for government and utility PV incentives—may be the best proxy for market premiums, but income-based estimates may perform equally well if they accurately account for the complicated retail rate structures that exist in some states. Although this study focuses only on host-owned PV systems, future analysis should focus on homes with third-party-owned PV systems.

  12. Crop Insurance, Premium Subsidy and Agricultural Output

    Institute of Scientific and Technical Information of China (English)

    XU Jing-feng; LIAO Pu

    2014-01-01

    This paper studied the effects of crop insurance on agricultural output with an economic growth model. Based on Ramsey-Cass-Koopmans (RCK) model, a basic model of agriculture economic growth was developed. Extending the basic model to incorporate uncertainty and insurance mechanism, a risk model and a risk-insurance model were built to study the inlfuences of risk and crop insurance on agricultural output. Compared with the steady states of the three models, the following results are achieved:(i) agricultural output decreases if we introduce uncertainty into the risk-free model;(ii) crop insurance promotes agriculture economic growth if insurance mechanism is introduced into the risk model;(iii) premium subsidy constantly improves agricultural output. Our contribution is that we studied the effects of crop insurance and premium subsidy from the perspective of economic growth in a dynamic framework, and proved the output promotion of crop insurance theoretically.

  13. Risk premium and insalubrity; Periculosidade e insalubridade

    Energy Technology Data Exchange (ETDEWEB)

    Portela, Josmael [Universidade do Estado do Rio de Janeiro (UERJ), RJ (Brazil); Figueira, Rosania Lucia [Universidade Severino Sombra (USS), Vassouras, RJ (Brazil). Dept. Juridico

    2005-07-01

    The risk premium and insalubrity have been widely discussed in the legal universe/labor. The social and economic impacts interfere on the right of the professional exposed to ionizing radiation to have or not additional rights. Due to the large accidents, with world repercussion, which occurred in recent times, involving workers undergoing these radiation, these professionals are receiving special attention by the competent bodies on the right or not to risk premium and insalubrity. The professional who operates equipment that emit ionising radiation, or those working directly with radioisotopes are undoubtedly under imminent risk, even if they complied with all safety requirements, thus deserving a more careful analysis by our lawyers with respect to receive additional percentages. Recent decisions of higher Courts begin to consolidate a more just and logical reasoning on the subject.

  14. Risk Premium and Expectations in Higher Education

    OpenAIRE

    Gonzalo Castex

    2011-01-01

    This paper takes the risk of college participation into context when evaluating the return to college education. College dropout and a higher permanent income shock for those who graduate from college accounts for 51% of the excess return to college education. Using a simple risk premium approach, I reconcile the observed high average returns to schooling with relatively low attendance rates. A high dropout risk has two important effects on the estimated average returns to college education: ...

  15. Effect of Frozen Storage Temperature on the Quality of Premium Ice Cream.

    Science.gov (United States)

    Park, Sung Hee; Jo, Yeon-Ji; Chun, Ji-Yeon; Hong, Geun-Pyo; Davaatseren, Munkhtugs; Choi, Mi-Jung

    2015-01-01

    The market sales of premium ice cream have paralleled the growth in consumer desire for rich flavor and taste. Storage temperature is a major consideration in preserving the quality attributes of premium ice cream products for both the manufacturer and retailers during prolonged storage. We investigated the effect of storage temperature (-18℃, -30℃, -50℃, and -70℃) and storage times, up to 52 wk, on the quality attributes of premium ice cream. Quality attributes tested included ice crystal size, air cell size, melting resistance, and color. Ice crystal size increased from 40.3 μm to 100.1 μm after 52 wk of storage at -18℃. When ice cream samples were stored at -50℃ or -70℃, ice crystal size slightly increased from 40.3 μm to 57-58 μm. Initial air cell size increased from 37.1 μm to 87.7 μm after storage at -18℃ for 52 wk. However, for storage temperatures of -50℃ and -70℃, air cell size increased only slightly from 37.1 μm to 46-47 μm. Low storage temperature (-50℃ and -70℃) resulted in better melt resistance and minimized color changes in comparison to high temperature storage (-18℃ and -30℃). In our study, quality changes in premium ice cream were gradually minimized according to decrease in storage temperature up to-50℃. No significant beneficial effect of -70℃ storage was found in quality attributes. In the scope of our experiment, we recommend a storage temperature of -50℃ to preserve the quality attributes of premium ice cream.

  16. Surgeons' Perspectives on Premium Implants in Total Joint Arthroplasty.

    Science.gov (United States)

    Wasterlain, Amy S; Bello, Ricardo J; Vigdorchik, Jonathan; Schwarzkopf, Ran; Long, William J

    2017-06-29

    Declining total joint arthroplasty reimbursement and rising implant prices have led many hospitals to restrict access to newer, more expensive total joint arthroplasty implants. The authors sought to understand arthroplasty surgeons' perspectives on implants regarding innovation, product launch, costs, and cost-containment strategies including surgeon gain-sharing and patient cost-sharing. Members of the International Congress for Joint Reconstruction were surveyed regarding attitudes about implant technology and costs. Descriptive and univariate analyses were performed. A total of 126 surgeons responded from all 5 regions of the United States. Although 76.9% believed new products advance technology in orthopedics, most (66.7%) supported informing patients that new implants lack long-term clinical data and restricting new implants to a small number of investigators prior to widespread market launch. The survey revealed that 66.7% would forgo gain-sharing incentives in exchange for more freedom to choose implants. Further, 76.9% believed that patients should be allowed to pay incremental costs for "premium" implants. Surgeons who believed that premium products advance orthopedic technology were more willing to forgo gain-sharing (P=.040). Surgeons with higher surgical volume (P=.007), those who believed implant companies should be allowed to charge more for new technology (Pinnovation advances the field but support discussing the "unproven" nature of new implants with patients. Many surgeons support alternative payment models permitting surgeons and patients to retain implant selection autonomy. Most respondents prioritized patient beneficence and surgeon autonomy above personal financial gain. [Orthopedics. 201x; xx(x):xx-xx.]. Copyright 2017, SLACK Incorporated.

  17. 基于随机控制的非寿险保费定价策略%Stochastic control in formulating non-life insurance premium strategies

    Institute of Scientific and Technical Information of China (English)

    王桂胜; 陈秉正

    2011-01-01

    该文探讨在完全竞争的保险市场条件下如何制定最佳非寿险保费策略,以促进非寿险保险公司的发展。主要运用随机最优控制理论,分别在采取期望最终财富和采取期望效用两种模式下,分析了在相对保费率设定和相机抉择设定下的非寿险保费定价策略,得到了一致的最优保费定价策略;并将该最优保费定价策略应用于简单目标函数分析。结果表明:最优保费定价策略是一致的;最优保费定价策略是要么制定一个很高的保费率,要么制定一个低于某一常数的相对保费率;最优保费率取决于平均损失率和市场平均保费等因素。%An optimal non-life insurance premium strategy in perfectly competitive insurance markets was developed for relative premium rate and trade-off specifications using stochastic control theory for two modes of the expected utility and expected final wealth.The consistent optimal premium strategy is applied to an empirical analysis of a simple objective function.The optimal premium strategy is shown to be consistent with the optimal premium strategy of whether to have a high premium rate or a relative premium rate less than a constant depends on the average loss rate and average market premium.

  18. Return of premium term life: is it for real?

    Science.gov (United States)

    DeFrancesco, Roccy

    2004-01-01

    Physicians who feel they are wasting their money in paying premiums for a typical 30-year-level term life insurance policy may find help in a return-of-premium term life insurance policy. Premiums are higher, but all the money is refunded at the end of the term if the policyholder has not died. Estimates are that 93 percent of policyholders outlive the term of their life insurance.

  19. Is the Deposit Insurance Premium Pricing Consistent with Banks' Operating Performance?——An Analysis from the"Market Efficiency"Perspective%存保费测算与银行经营绩效评价结果一致吗?——基于"市场有效性"视角的探析

    Institute of Scientific and Technical Information of China (English)

    郑国忠; 贾雅琴

    2016-01-01

    In this paper, we measure China's commercial bank deposit insurance rate based on BS and SVJ op-tion models with the consideration of the regulatory tolerance or not. And combined with the idea of matching operating performance, we discuss the consistency between different models' pricing results and the performance. The empirical results indicate that for the same bank of different years, deposit insurance rate and volatility are positively related. Considering the influence of the regulatory tolerance or not mainly affects the quantity rather than the rankings of the bank deposit insurance rate. The measuring result of the option model only based on Brownian motion process exist un-derestimated risk,while the SVJ model pricing result is relatively reasonable. Deposit insurance premium rate and oper-ating performance are not so consistent. There exists a loss in the efficiency of stock market in our country, which causes the stock market information (price,etc.) can't fully and effectively reflect the business performance of enter-prises and the actual circumstances of the risk. It means that the lack of stock market quality and efficiency of informa-tion transmission,impedes the coordinated linkage of the internal information of the above-mentioned.%本文基于期权定价模型分别对考虑监管宽容与否两种情形下的银行存保费率进行定价;从"市场有效性"视角,首次结合匹配经营绩效的思路探讨了不同模型定价与经营绩效的一致性.结论表明:对同一银行不同年份而言,存保费率与波动率正相关.考虑监管宽容与否主要影响量值而不影响排序;BS模型所测费率存在低估风险,SVJ模型测算结果相对合理.存保费率排序与经营绩效不尽一致;股市仍存在一定的效率缺失,从而导致股市信息无法充分、有效地反映企业的经营绩效及风险方面的真实情况;基于股票市场数据出发的存保费率测算无法与基于"现货市场"(

  20. Risk Measure and Premium Distribution on Catastrophe Reinsurance

    Institute of Scientific and Technical Information of China (English)

    XUN LI; WANG DE-HUI

    2012-01-01

    In this paper,we propose a new risk measure which is based on the Orlicz premium principle to characterize catastrophe risk premium.The intention is to develop a formulation strategy for Catastrophe Fund.The logarithm equivalent form of reinsurance premium is regarded as the retention of reinsurer,and the differential earnings between the reinsurance premium and the reinsurer's retention is accumulated as a part of Catastrophe Fund.We demonstrate that the aforementioned risk measure has some good properties,which are further confirmed by numerical simulations in R environment.

  1. A Novel Vision Sensing System for Tomato Quality Detection

    Directory of Open Access Journals (Sweden)

    Satyam Srivastava

    2014-01-01

    Full Text Available Producing tomato is a daunting task as the crop of tomato is exposed to attacks from various microorganisms. The symptoms of the attacks are usually changed in color, bacterial spots, special kind of specks, and sunken areas with concentric rings having different colors on the tomato outer surface. This paper addresses a vision sensing based system for tomato quality inspection. A novel approach has been developed for tomato fruit detection and disease detection. Developed system consists of USB based camera module having 12.0 megapixel interfaced with ARM-9 processor. Zigbee module has been interfaced with developed system for wireless transmission from host system to PC based server for further processing. Algorithm development consists of three major steps, preprocessing steps like noise rejection, segmentation and scaling, classification and recognition, and automatic disease detection and classification. Tomato samples have been collected from local market and data acquisition has been performed for data base preparation and various processing steps. Developed system can detect as well as classify the various diseases in tomato samples. Various pattern recognition and soft computing techniques have been implemented for data analysis as well as different parameters prediction like shelf life of the tomato, quality index based on disease detection and classification, freshness detection, maturity index detection, and different suggestions for detected diseases. Results are validated with aroma sensing technique using commercial Alpha Mos 3000 system. Accuracy has been calculated from extracted results, which is around 92%.

  2. A Novel Vision Sensing System for Tomato Quality Detection.

    Science.gov (United States)

    Srivastava, Satyam; Boyat, Sachin; Sadistap, Shashikant

    2014-01-01

    Producing tomato is a daunting task as the crop of tomato is exposed to attacks from various microorganisms. The symptoms of the attacks are usually changed in color, bacterial spots, special kind of specks, and sunken areas with concentric rings having different colors on the tomato outer surface. This paper addresses a vision sensing based system for tomato quality inspection. A novel approach has been developed for tomato fruit detection and disease detection. Developed system consists of USB based camera module having 12.0 megapixel interfaced with ARM-9 processor. Zigbee module has been interfaced with developed system for wireless transmission from host system to PC based server for further processing. Algorithm development consists of three major steps, preprocessing steps like noise rejection, segmentation and scaling, classification and recognition, and automatic disease detection and classification. Tomato samples have been collected from local market and data acquisition has been performed for data base preparation and various processing steps. Developed system can detect as well as classify the various diseases in tomato samples. Various pattern recognition and soft computing techniques have been implemented for data analysis as well as different parameters prediction like shelf life of the tomato, quality index based on disease detection and classification, freshness detection, maturity index detection, and different suggestions for detected diseases. Results are validated with aroma sensing technique using commercial Alpha Mos 3000 system. Accuracy has been calculated from extracted results, which is around 92%.

  3. Combining ability of tomato lines in saladette-type hybrids

    OpenAIRE

    2014-01-01

    Given the growing importance of the saladette fresh tomato market in Brazil, the objective of this paper was to assess the combining abilities of lines potentially useful as parents of hybridsin this class. The experiment consisted of28 genotypes, 18 hybrids from a partial diallel crossobtained from crossing two groups of tomato lines (Group I, with 9 parents, and Group II, with 2 parents), 8 F1 experimental hybrids, and 2 commercial checks. Traits evaluated were total yield, mean fruit mass,...

  4. Controle automático do fluxo de água na etapa de limpeza em unidades de beneficiamento de tomate de mesa Automatic control of water sistems in the cleaning step in fresh market tomato packing units

    Directory of Open Access Journals (Sweden)

    Marcos D. Ferreira

    2011-10-01

    Full Text Available A água é um recurso cada vez mais escasso e também de alto custo em várias regiões. O beneficiamento de frutas e hortaliças, em geral, apresenta elevado consumo de água durante o processo de limpeza. A linha de beneficiamento e de classificação do tomate de mesa é constituída de: recebimento, limpeza, seleção, classificação e embalagem. Normalmente, o recebimento dos tomates em uma linha de beneficiamento ocorre com taxa de alimentação constante, porém com interrupções frequentes dos operadores, ocasionando desperdício de energia e água, e a eficiência de limpeza dos frutos. O objetivo deste trabalho foi avaliar um sistema de limpeza dos frutos, equipado com um controle automático de fluxo de água, visando ao uso racional de água. Para a avaliação da eficiência do processo de limpeza, aplicou-se uma metodologia que utiliza o turbidímetro. Observou-se que o índice de limpeza foi, segundo critérios estatísticos, semelhante nos sistemas automatizado e tradicional, todavia o consumo de água no sistema automatizado foi quatro vezes inferior quando comparado ao sistema tradicional, indicando o potencial de aplicação comercial deste sistema.Water is a natural resource becoming scarce in many regions. Cleaning fruits and vegetables, generally demands high water consumption. A fresh market tomato packing-line is composed of: receiving, cleaning, sorting, classifying and packing. Normally, the receiving process for tomatoes in a packing line happens in a constant flow, however often interruptions of operators cause loss of water, energy and also fruits cleaning efficiency. The main goal of this study was to develop an automation system for cleaning fruits, with a rational water use. For evaluating cleaning efficiency it was developed a methodology using a turbidimiter. The results showed that the cleaning efficiency index was statistically similar between the two systems; however, water consumption for the automated

  5. Avaliação de linhas de beneficiamento e padrões de classificação para tomate de mesa Evaluation of packing lines and classification standards for fresh market tomatoes in Brazil

    Directory of Open Access Journals (Sweden)

    M.D. Ferreira

    2005-12-01

    Full Text Available Atualmente, existem disponíveis no mercado brasileiro alternativas quanto a equipamentos de beneficiamento e classificação para tomate de mesa, sendo os mais comuns aqueles que realizam a padronização através dos parâmetros tamanho e peso do produto. Neste trabalho realizou-se um levantamento em cinco unidades de beneficiamento e classificação para tomate de mesa, localizadas na região de Campinas (SP, caracterizando o tipo de equipamento, seu funcionamento, as etapas envolvidas no processo e aferindo a classificação utilizada pelos galpões, comparando-a com aquela determinada pelo Programa Brasileiro para a Modernização da Horticultura, desenvolvido pela Companhia de Entrepostos e Armazéns Gerais de São Paulo, Ceagesp. A classificação dos tomates foi realizada medindo-se os diâmetros transversais dos frutos por meio de um paquímetro digital. Na avaliação das linhas de beneficiamento e classificação, observou-se grande variação nas etapas do processo: quanto às dimensões, determinou-se aproximadamente 99% de diferença entre os comprimentos aferidos; quanto ao número e ao tipo de escovas, na etapa de lavagem encontrou-se o mínimo de 4 escovas e o máximo de 19 escovas nylon, na etapa de secagem o mínimo de 5 e o máximo de 15 escovas espuma (poliuretano-poliéter, e na etapa da segunda secagem, incluindo o polimento, o mínimo de 6 e o máximo de 64 escovas, preferencialmente de origem animal, crina. Observou-se ainda para os padrões de classificação maiores o não cumprimento das normas nos galpões de beneficiamento avaliados. Das 14 amostragens realizadas nas 5 unidades de beneficiamento, 57,2% enquadraram-se às normas de classificação recomendadas.Currently, are available in the Brazilian market some alternatives of packing and standardization equipment for fresh market tomatoes. The most common ones classify the fruits through their size and weight. Five packing line units for classifying fresh market

  6. The role of market forces and food safety institutions in the adoption of sustainable farming practices: The case of the fresh tomato export sector in Morocco and Turkey

    OpenAIRE

    Codron, Jean Marie; Adanacioglu, Hakan; Aubert, Magali; Bouhsina, Zouhair; El Mekki, Abdelkader Ait; Rousset, Sylvain; Tozanli, Selma; Yercan, Murat

    2014-01-01

    Fresh produce growers are the main source of food contamination by chemical pesticides. In their choice of farming practices, producers are influenced by market forces as well as public and private safety regulations – or “macro-drivers” – as opposed to farm-level micro-drivers. Growers respond to their business and regulatory environment by implementing integrated pest management (IPM) and other good agricultural practices (GAP), where profitable through certification schemes. Our paper atte...

  7. Risk Premia in the Czech Money Market

    Directory of Open Access Journals (Sweden)

    Martin Pohl

    2013-01-01

    Full Text Available We estimate risk premia in the Czech money market and we pay special attention to the 2008-2009 crisis period. Our results imply a rising forward premium and we argue that the error correction model is the most appropriate method, but median may be used as a first guess estimator. We estimated the term premium between the policy rate and various money market interest rates. In this context, ARCH models proved to be useful in reflection of non-stationarity observed in the data. The financial crisis caused a structural break in our data sample, but the impact on the forward premium was only brief and forward premia normalized quickly. The widening of the term premium proved to be much more persistent, although it declined significantly since the peak of the crisis.

  8. A meta-analysis of the equity premium

    NARCIS (Netherlands)

    C. van Ewijk; H.L.F. de Groot; A.J. Santing

    2012-01-01

    The equity premium is a key parameter in asset allocation policies. There is a vigorous debate in the literature regarding the actual measurement of the equity premium, its size and the determinants of its variation. This study aims to take stock of this literature by means of a meta-analysis. We id

  9. 77 FR 41048 - Health Insurance Premium Tax Credit; Correction

    Science.gov (United States)

    2012-07-12

    ... Internal Revenue Service 26 CFR Part 1 RIN 1545-BJ82 Health Insurance Premium Tax Credit; Correction AGENCY..., 2012 (77 FR 30377). The final regulations relate to the health insurance premium tax credit enacted by the Patient Protection and Affordable Care Act and the Health Care and Education Reconciliation Act of...

  10. 78 FR 7264 - Health Insurance Premium Tax Credit

    Science.gov (United States)

    2013-02-01

    ... Internal Revenue Service 26 CFR Part 1 RIN 1545-BL49 Health Insurance Premium Tax Credit AGENCY: Internal... regulations relating to the health insurance premium tax credit enacted by the Patient Protection and... coverage and who wish to enroll in qualified health plans through Affordable Insurance Exchanges (Exchanges...

  11. 26 CFR 1.822-11 - Net premiums.

    Science.gov (United States)

    2010-04-01

    ... TAXES Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of Perpetual Policies Or Premium Deposits) § 1... 26 Internal Revenue 8 2010-04-01 2010-04-01 false Net premiums. 1.822-11 Section 1.822-11...

  12. 26 CFR 1.823-4 - Net premiums.

    Science.gov (United States)

    2010-04-01

    ... TAXES Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of Perpetual Policies Or Premium Deposits) § 1... 26 Internal Revenue 8 2010-04-01 2010-04-01 false Net premiums. 1.823-4 Section 1.823-4...

  13. 26 CFR 1.823-1 - Net premiums.

    Science.gov (United States)

    2010-04-01

    ... TAXES Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of Perpetual Policies Or Premium Deposits) § 1... 26 Internal Revenue 8 2010-04-01 2010-04-01 false Net premiums. 1.823-1 Section 1.823-1...

  14. Premium Motorsi priimad päevad / Raigo Neudorf

    Index Scriptorium Estoniae

    Neudorf, Raigo

    2007-01-01

    Automüüja Premium Motors on edu saavutanud luksusmaasturi Hummer ning teiste USA eksklusiivsete automarkide müügiõigusega. Tabel: Rentaabel äri. Vt. samas: Palun kaks roosat Hummerit; Premium Motors hakkab sügisel Hiina maastureid müüma.

  15. The Risk Premium for Equity : Explanations and Implications

    NARCIS (Netherlands)

    Grant, S.; Quiggin, J.

    2001-01-01

    The equity premium puzzle shows that using standard parameters and setup, the Consumption-based Capital Asset Pricing Model's (CCAPM's) prediction of the premium associated with systematic risk is out by an order of magnitude.The object of this paper is to consider the implications of each of the

  16. 77 FR 6675 - Premium Penalty Relief for Certain Delinquent Plans

    Science.gov (United States)

    2012-02-09

    ... CORPORATION 29 CFR Part 4007 Premium Penalty Relief for Certain Delinquent Plans AGENCY: Pension Benefit... regulatory review, among other initiatives, PBGC is announcing a limited window for covered plans that have... and 4007 of ERISA, plans covered by title IV must pay premiums to PBGC. The vast majority of plans...

  17. Risk premiums in cap rates of investment property

    NARCIS (Netherlands)

    Berkhout, T.M.; Wouwe, van M.; Tansens, P.R.

    2005-01-01

    Our research wants to establish links and patterns over time between the constituent components of the cap rates, and between real interest and risk premium in particular. We developed a statistical model to predict and explain the risk premium asked for by investors buying properties throughout Eur

  18. Premium auctions and risk preferences: an experimental study

    NARCIS (Netherlands)

    Brunner, C.; Hu, A.; Oechssler, J.

    2014-01-01

    In premium auctions, the highest losing bidder receives a reward from the seller. This paper studies the private value English premium auction (EPA) for different risk attitudes of bidders. We explicitly derive the symmetric equilibrium for bidders with CARA utilities and conduct an experimental stu

  19. 76 FR 79714 - Premium Changes Based On Recharacterization of Contributions

    Science.gov (United States)

    2011-12-22

    ... PBGC. For single- employer plans, premiums include an amount (the variable-rate premium, or VRP) based... reduces any VRP for the current year. If a contribution is characterized as being for the current year, it does not increase plan assets as of the beginning of the current year and thus does not affect VRP for...

  20. Premium Motorsi priimad päevad / Raigo Neudorf

    Index Scriptorium Estoniae

    Neudorf, Raigo

    2007-01-01

    Automüüja Premium Motors on edu saavutanud luksusmaasturi Hummer ning teiste USA eksklusiivsete automarkide müügiõigusega. Tabel: Rentaabel äri. Vt. samas: Palun kaks roosat Hummerit; Premium Motors hakkab sügisel Hiina maastureid müüma.

  1. Optimal Premium Pricing for a Heterogeneous Portfolio of Insurance Risks

    Directory of Open Access Journals (Sweden)

    Athanasios A. Pantelous

    2009-01-01

    Full Text Available The paper revisits the classical problem of premium rating within a heterogeneous portfolio of insurance risks using a continuous stochastic control framework. The portfolio is divided into several classes where each class interacts with the others. The risks are modelled dynamically by the means of a Brownian motion. This dynamic approach is also transferred to the design of the premium process. The premium is not constant but equals the drift of the Brownian motion plus a controlled percentage of the respective volatility. The optimal controller for the premium is obtained using advanced optimization techniques, and it is finally shown that the respective pricing strategy follows a more balanced development compared with the traditional premium approaches.

  2. Empirical Analysis of the Impact of Inflation Targeting on the Risk Premium

    Directory of Open Access Journals (Sweden)

    Krušković Borivoje D.

    2014-09-01

    Full Text Available The basis for the conduct of monetary policy is monetary policy strategy. Monetary strategy is necessary for monetary policy makers to analyse all relevant information in order to undertake effective policy actions. Inflation targeting has enabled countries to achieve low inflation in the very short term. Due to this, the financial markets have adjusted their long-term inflation expectations and incorporated them into the interest rate. Risk premiums that compensate for the uncertainty of inflation have fallen. The aim of this paper is to examine how the adoption of inflation targeting affects the movement of the risk premium. The hypothesis we want to test is that the adoption of inflation targeting affects the reduction of the country risk premium by affecting the formation of a more stable macroeconomic environment through a more stable and predictable inflation rate in the medium and long term. The method used for evaluating the regression coefficients is the dynamic panel generalized method of moments (GMM. This method involves the use of conditional moments in endogenous and exogenous variables with a lag as instruments for the assessment of differential equations, while the difference lagged endogenous variables are used as instruments in the levels equation.

  3. Optimal Premium as a Function of the Deductible: Customer Analysis and Portfolio Characteristics

    Directory of Open Access Journals (Sweden)

    Julie Thøgersen

    2016-11-01

    Full Text Available An insurance company offers an insurance contract ( p , K , consisting of a premium p and a deductible K. In this paper, we consider the problem of choosing the premium optimally as a function of the deductible. The insurance company is facing a market of N customers, each characterized by their personal claim frequency, α, and risk aversion, β. When a customer is offered an insurance contract, she/he will, based on these characteristics, choose whether or not to insure. The decision process of the customer is analyzed in detail. Since the customer characteristics are unknown to the company, it models them as i.i.d. random variables; A 1 , … , A N for the claim frequencies and B 1 , … , B N for the risk aversions. Depending on the distributions of A i and B i , expressions for the portfolio size n ( p ; K ∈ [ 0 , N ] and average claim frequency α ( p ; K in the portfolio are obtained. Knowing these, the company can choose the premium optimally, mainly by minimizing the ruin probability.

  4. The Equity Premium Puzzle: Analysis in Brazil after the Real Plan

    Directory of Open Access Journals (Sweden)

    Fábio Augusto Reis Gomes

    2013-04-01

    Full Text Available Our paper investigates whether there is evidence of an Equity Premium Puzzle (EPP in Brazil, applying two different methodologies. The EPP was identified by Mehra and Prescott (1985 since the Consumption Capital Asset Pricing Model (CCAPM, when calibrated with reasonable preference parameters, could not explain high historical average risk premiums in the United States. In our first approach, we consider Mehra’s (2003 model and calibrate the coefficient of risk aversion, using 1995:2-2012:1 quarterly data. The Ibovespa index was used as a measure of the market return, whereas the risk-free rate was proxied by the Selic interbank rate and by the savings account rate. In our second approach, we propose a new method to test the puzzle. We jointly estimate, via generalized method of moments, the parameters of interest using a moment condition that has not been previously explored, as far as we are aware of. The two approaches produced a high risk aversion coefficient, however the second approach indicated that we cannot reject the hypothesis of the risk aversion coefficient being statistically equal to zero. A possible explanation for this result might be that in Brazil the equity premium is not statistically different from zero. Therefore there is no evidence of EPP in Brazil for the studied period.

  5. Competitive strategy to provide technology and basic designs for the construction of new refineries premium of the PETROBRAS; Estrategia competitiva para prover tecnologias e projetos basicos para a construcao de novas refinarias premium da PETROBRAS

    Energy Technology Data Exchange (ETDEWEB)

    Claudia, Baptista M.L.A.; Adalberto, Barbalho S. [Petroleo Brasileiro S.A. (PETROBRAS), Rio de Janeiro, RJ (Brazil)

    2012-07-01

    Nowadays, there are major incentives for the construction of new refineries in Brazil: the increase of the local market and the discovery of huge oil reserves in the southeastern Atlantic coast of Brazil. In this scenario, PETROBRAS decided to construct two new refineries, Premium I and II, with a total refining capacity of 900.000 BPSD. The refineries will be designed to process a mix of Brazilian national crudes. The main objects of this ambitious project are to produce high quality diesel and jet fuel from an elevated nitrogen content feedstock, minimizing capital expenditure and schedule. Both refineries will have the same flow scheme with a target to maximize Middle distillate production for the European and local markets. In order to assure that the refinery scheme and the technologies selected will provide the best Net Present Value (NPV), it was decided to perform a Design Competition process to select the company to provide the basic design for all Premium refineries. As the concepts behind a Design Competition were new for PETROBRAS a rigorous process was developed and followed, which entailed contracting three benchmark companies with outstanding knowledge and experience in hydroprocessing to provide independent conceptual studies for a 300.000 BPSD refinery called Premium II. The vision was to utilize the same refinery scheme in the construction of the Premium I refinery which will have two identical trains processing 300.000 BPD. The awarded company was selected based on technical and economic evaluations, supported by state of the art hydroprocessing technologies, block flow diagram optimization and heat integration. This strategy allowed PETROBRAS to acquire the best refinery scheme and process designs for the PREMIUM refineries. The present paper discusses the design competition process, the refinery scheme adopted and the results achieved. (author)

  6. The lycopene content in pulp ad peel of five fresh tomato varieties

    NARCIS (Netherlands)

    Markovic, K.; Panjkota-Krbavcic, I.; Krpan, M.; Bicanic, D.D.; Vahcic, N.

    2010-01-01

    The lycopene content in pulp and peel of five fresh tomato cultivars, most common on Croatian market, was determined by spectrophotometry and the high-performance liquid chromatography (HPLC). Peels from the raw tomatoes contained more lycopene (expressed on a fresh basis) than the pulps: the ratio

  7. The lycopene content in pulp ad peel of five fresh tomato varieties

    NARCIS (Netherlands)

    Markovic, K.; Panjkota-Krbavcic, I.; Krpan, M.; Bicanic, D.D.; Vahcic, N.

    2010-01-01

    The lycopene content in pulp and peel of five fresh tomato cultivars, most common on Croatian market, was determined by spectrophotometry and the high-performance liquid chromatography (HPLC). Peels from the raw tomatoes contained more lycopene (expressed on a fresh basis) than the pulps: the ratio

  8. Consumer Preferences for Fresh Tomato at the European Scale: A Common Segmentation on Taste and Firmness

    NARCIS (Netherlands)

    Causse, M.; Friguet, C.; Coiret, C.; Lepicier, M.; Navez, B.; Lee, van der M.K.; Holthuysen, N.T.E.; Sinesio, F.; Moneta, E.; Grandillo, S.

    2010-01-01

    Although tomato flavor has not been a major goal for breeders, nowadays it becomes important as it is a subject of consumer complaint. A better knowledge of tomato consumer preferences, at the European level, should provide the basis for improvement of fruit quality and for market segmentation. In t

  9. Genotype and environmental interaction for fruit quality traits in vintage tomato varieties

    Science.gov (United States)

    Tomato (Solanum lycopersicum L.) is the second most commonly consumed vegetable after in the world, after potato. There is a growing demand for quality tomato in the market place. Traits such as lycopene, total soluble solids (TSS), vitamin C and titratable acid (TA) content contribute to the overal...

  10. Consumer Preferences for Fresh Tomato at the European Scale: A Common Segmentation on Taste and Firmness

    NARCIS (Netherlands)

    Causse, M.; Friguet, C.; Coiret, C.; Lepicier, M.; Navez, B.; Lee, van der M.K.; Holthuysen, N.T.E.; Sinesio, F.; Moneta, E.; Grandillo, S.

    2010-01-01

    Although tomato flavor has not been a major goal for breeders, nowadays it becomes important as it is a subject of consumer complaint. A better knowledge of tomato consumer preferences, at the European level, should provide the basis for improvement of fruit quality and for market segmentation. In

  11. A toy story: Association between young children's knowledge of fast food toy premiums and their fast food consumption.

    Science.gov (United States)

    Longacre, Meghan R; Drake, Keith M; Titus, Linda J; Cleveland, Lauren P; Langeloh, Gail; Hendricks, Kristy; Dalton, Madeline A

    2016-01-01

    Fast food restaurants spend millions of dollars annually on child-targeted marketing, a substantial portion of which is allocated to toy premiums for kids' meals. The objectives of this study were to describe fast food toy premiums, and examine whether young children's knowledge of fast food toy premiums was associated with their fast food consumption. Parents of 3- to 5-year old children were recruited from pediatric and WIC clinics in Southern New Hampshire, and completed a cross-sectional survey between April 2013-March 2014. Parents reported whether their children usually knew what toys were being offered at fast food restaurants, and whether children had eaten at any of four restaurants that offer toy premiums with kids' meals (McDonald's, Burger King, Subway, Wendy's) during the 7 days preceding the survey. Seventy-one percent of eligible parents participated (N = 583); 48.4% did not receive any education beyond high school, and 27.1% of children were non-white. Half (49.7%) the children had eaten at one or more of the four fast food restaurants in the past week; one-third (33.9%) had eaten at McDonald's. The four restaurants released 49 unique toy premiums during the survey period; McDonald's released half of these. Even after controlling for parent fast food consumption and sociodemographics, children were 1.38 (95% CI = 1.04, 1.82) times more likely to have consumed McDonald's if they usually knew what toys were offered by fast food restaurants. We did not detect a relationship between children's toy knowledge and their intake of fast food from the other restaurants. In this community-based sample, young children's knowledge of fast food toys was associated with a greater frequency of eating at McDonald's, providing evidence in support of regulating child-directed marketing of unhealthy foods using toys.

  12. 7 CFR 966.50 - Marketing policy.

    Science.gov (United States)

    2010-01-01

    ... the marketing policy it deems desirable for the industry to follow in shipping tomatoes from the... 7 Agriculture 8 2010-01-01 2010-01-01 false Marketing policy. 966.50 Section 966.50 Agriculture Regulations of the Department of Agriculture (Continued) AGRICULTURAL MARKETING SERVICE (Marketing...

  13. The Public Earnings Premium in a Mineral Rich Economy: New Piece in the Puzzle

    Directory of Open Access Journals (Sweden)

    Usamah Alfarhan

    2015-02-01

    Full Text Available This paper addresses the determination of sector earnings and the public earnings premium in Saudi Arabia. It uses a primary cross section of individuals collected in 2013, and employs the Oaxaca-Blinder decomposition methodology to show whether the observed sectoral earnings' differential is explained by differences in workers' characteristics or by a favorable public wage structure. While controlling for selection, the paper shows that public workers are better endowed rather than overpaid by a wealthy state. This finding suggests that, contrary to the general belief, the determination of public earnings does not contradict active labor market policies designed to encourage private sector employment of locals.

  14. STUDY ON THE MAIN THEORETICAL ASPECTS RELATING TO THE PREMIUM TARIFFS IN THE PROPERTY INSURANCE

    Directory of Open Access Journals (Sweden)

    Vaduva Maria

    2012-03-01

    Full Text Available In the insurance market of goods, most of the first levied by the insurer is used for payment of damages due insured. The element mainly depending on which he fixes the level of share premium pricing is likely to size claims the insurer will pay insured. Part of the quota tariff intended for the first payment of damages is called net or share of first base. Adding to the addition cover expenditure on lodging and administering the fund insurance and financing of measures to prevent the damage, formation of the reserve fund and achieve the insurer has a specific benefit, get the first tariff or first gross.

  15. The history of tomato: from domestication to biopharming.

    Science.gov (United States)

    Bergougnoux, Véronique

    2014-01-01

    Imported from the Andean region to Europe in the 16th century, today tomato is widespread throughout the world and represents the most economically important vegetable crop worldwide. Tomato is not only traded in the fresh market but is also used in the processing industry in soups, as paste, concentrate, juice, and ketchup. It is an incredible source of important nutrients such as lycopene, β-carotene and vitamin C, which all have positive impacts on human health. Its production and consumption is increasing with population growth. In this review, we report how tomato was already domesticated by the ancient Incan and Aztec civilizations, and how it came to Europe, where its breeding history started. The development of genetic, molecular biology and plant biotechnology have opened the doors towards the modern genetic engineering of tomato. The different goals of tomato genetic engineering are presented, as well as examples of successfully engineered tomatoes in terms of resistance to biotic and abiotic stresses, and fruit quality. The development of GM tomato for biopharming is also described.

  16. Customers’ buying behaviour   toward premium dog food brands -   A case study of Bozita Robur

    OpenAIRE

    Nilsson, Christofer; Liashchenko, Anastasiia; Andreasson, Rebecka

    2010-01-01

    Purpose: The purpose of this thesis is to contribute to knowledge of customers’ buying behaviour toward premium dog food by examining their brand associations and how these are shaped by using Bozita Robur as a case study. Background: Market for dog food has increased heavily during the last decades what made knowledge of underlying driving forces of dog food consumption crucial for dog food producers. Quite peculiar is a phenomenon of purchasing behaviour towards a product purchased but not ...

  17. THE INFLUENCE OF LINE EXTENSION STRATEGIES BY PREMIUM BRANDS ON BRAND EQUITY: CULTURAL DIFFERENCES BETWEEN GERMANY AND THAILAND

    Directory of Open Access Journals (Sweden)

    Florian Lukas SEIZER

    2017-05-01

    Full Text Available Premium markets are expected to outperform other markets throughout the near future. Thus these markets are of high importance for marketers, who already face challenges to manage premium brands due to the hazard of a possible dilution of user’s sense of exclusivity and pride. Premium brand managers must know when it is best to take a pass on short-term growth opportunities that could tarnish the brand's long-term health. Line extensions embody one of the most frequently used vehicles for growth to meet global consumer needs. Though they have advantages, also risks are associated with them. Consequently, the purpose of this study is to identify the influence of line extensions on brand equity in culturally different spheres. The study focuses on premium brands from the automotive industry and asks if and in how far different – vertical (different price & quality level and horizontal (same price & quality level – line extension strategies influence brand equity differently among cultures. A one group pre-test post-test research design is used to measure brand equity before and after an existing brand’s (hypothetical extension. A structured online survey with page logic collected primary data from four hundred students in Germany and Thailand recruited by a matched sampling technique. Culture has to be added to brand equity models as results show distinctive changes of brand equity for both Germany and Thailand. While after vertical downscale extensions, brand equity increases in Germany, it decreases in Thailand. Hence, the research results in managerial recommendations which assess if product policy strategies should be thought ‘regionally’ or ‘globally’.

  18. Setting of Agricultural Insurance Premium Rate and the Adjustment Model

    Institute of Scientific and Technical Information of China (English)

    HUANG Ya-lin

    2012-01-01

    First,using the law of large numbers,I analyze the setting principle of agricultural insurance premium rate,and take the case of setting of adult sow premium rate for study,to draw the conclusion that with the continuous promotion of agricultural insurance,increase in the types of agricultural insurance and increase in the number of the insured,the premium rate should also be adjusted opportunely.Then,on the basis of Bayes’ theorem,I adjust and calibrate the claim frequency and the average claim,in order to correctly adjust agricultural insurance premium rate;take the case of forest insurance for premium rate adjustment analysis.In setting and adjustment of agricultural insurance premium rate,in order to make the expected results well close to the real results,it is necessary to apply the probability estimates in a large number of risk units;focus on the establishment of agricultural risk database,to timely adjust agricultural insurance premium rate.

  19. THE FEATURES OF THE WORLD REINSURANCE MARKET

    Directory of Open Access Journals (Sweden)

    E. Prokofjeva

    2014-03-01

    Full Text Available In the article the worldwide reinsurance market during the global recession and the main players of the market. Also analyzed key indicators and the most devastating losses for 2008-2012. Analyzed the amount of premiums received in the last five years, major re insurers in the world.

  20. Quality perception of organically grown tomatoes (Lycopersicon esculentum Mill. in Vienna, Austria

    Directory of Open Access Journals (Sweden)

    PK Ng’ang’a

    2015-12-01

    Full Text Available Austria is one of the major organic tomato producing countries for local and export marketing. These tomatoes are produced in parts of Austria especially around Vienna where their production system has to meet stringent organic quality standards in both local and international markets. These quality standards may put considerable strain on farmers and are normally formulated without famers’ participation so may not be wholly representative of the farmers’ quality interpretation. The aim of this paper is therefore to determine the Austrian organic tomatoes growers’ perception and practice of quality and challenges. Qualitative semi-structured interviews were carried out among 28 organic tomatoes farmers in Vienna, Austria. Findings suggest that quality of organic tomatoes is mainly perceived in terms of both informal values (big fruit size, long shelf life, food security and amount of income received from tomato sales as well as formal norms (non- application of chemicals, human health, damage free, sweet taste, red colour, and juiciness. There were no gendered differences in quality perception among the growers. High costs of production inputs were identified as the main challenge to attaining quality in organic tomatoes. Following these findings, there is need for effective participation of growers in formulation of standards as well as subsidizing of production inputs by the government. The Austrian tomato growers as well as local and international retailers should work closely to increase the price received by the Austrian organic tomato growers so that it more adequately covers their production costs.

  1. 42 CFR 408.210 - Termination of SMI premium surcharge agreement.

    Science.gov (United States)

    2010-10-01

    ... 42 Public Health 2 2010-10-01 2010-10-01 false Termination of SMI premium surcharge agreement. 408... Insurance Premium Surcharge Agreements § 408.210 Termination of SMI premium surcharge agreement. (a... before it can request to enter into another SMI premium surcharge agreement....

  2. Marketing marketing

    OpenAIRE

    Alsem, K.J.

    2013-01-01

    In deze installatierede betoogt Karel Jan Alsem dat marketing een grotere strategische rol in organisaties zou moeten krijgen. Want marketing is bij uitstek de verbinding tussen klantwensen en het DNA van een organisatie. Doordat merken gemiddeld voor mensen niet heel belangrijk zijn, is goede branding en onderscheidende zichtbaarheid juist van belang. Met de groei van big data en het belang van onbewust gedrag, zullen vooral die marketeers in de toekomst succesvol zijn die de consument het b...

  3. Analysis of Life Insurance Premium in Regard to Net Income as an Influencing Factor– the Case of the Republic of Serbia

    Directory of Open Access Journals (Sweden)

    Olja Munitlak Ivanović

    2013-12-01

    Full Text Available In current business conditions, insurance market in the Republic of Serbia notes positive but relatively slow growing trend. During the last few years, life insurance market in Serbia has an upward trend, however, it still significantly falls back in comparison to developed European countries. Insufficient development of life insurance sector is in direct relation to insufficient economic development, weak financial market, high unemployment rate and poor implementation of economic reforms. Additionally there is a problem due to the lack of both quality and quantity of education with insufficient basic knowledge of potentials that this type of insurance offers. The aim of this paper is to present the projection of life insurance premium on the basis of linear trend parameters and correlation degree between average net income and the amount of life insurance premium and to emphasize the necessity of intense development of life insurance market. Normal 0 false false false EN-US X-NONE X-NONE

  4. Tomato seeds for LDEF

    Science.gov (United States)

    1983-01-01

    Tomato seeds are prepared for their launch aboard the Langley's Long Duration Exposure Facility. Photograph published in Winds of Change, 75th Anniversary NASA publication (page 119), by James Schultz.

  5. Sources of Return in the Index Futures Markets

    Directory of Open Access Journals (Sweden)

    Adam Zaremba

    2011-06-01

    Full Text Available The paper concerns an issue of existence of a risk premium in equity and index futures markets. The paper consists of four parts. The first part describes the basic hypotheses of forward curves in the futures market. In the second section, I formulate 5 hypotheses concerning a risk premium in the equity futures market, its forecastability, and its dependence on a market segment and development stage. The third part includes an empirical study, which confirms the existence of timedependent and partially predictable risk premium. The research was based on the Polish futures market in the years 2000-2010. The last section of the paper discusses potential implications for the financial market practice and indicates areas for further research.

  6. 5 CFR 890.1306 - Government premium contributions.

    Science.gov (United States)

    2010-01-01

    ....1306 Section 890.1306 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) FEDERAL EMPLOYEES HEALTH BENEFITS PROGRAM Department of Defense Federal Employees Health Benefits Program Demonstration Project § 890.1306 Government premium contributions. The Secretary...

  7. The Effects of Premium Changes on ALL Kids

    Data.gov (United States)

    U.S. Department of Health & Human Services — The Effects of Premium Changes on ALL Kids, Alabamas CHIP Program Unlike many other CHIP programs, ALL Kids is a standalone program that provides year long...

  8. Demystifying first-cost green building premiums in healthcare.

    Science.gov (United States)

    Houghton, Adele; Vittori, Gail; Guenther, Robin

    2009-01-01

    This study assesses the extent of "first-cost green building construction premiums" in the healthcare sector based on data submitted by and interviews with 13 current LEED-certified and LEED-registered healthcare project teams, coupled with a literature survey of articles on the topics of actual and perceived first-cost premiums associated with green building strategies. This analysis covers both perceived and realized costs across a range of projects in this sector, leading to the following conclusions: Construction first-cost premiums may be lower than is generally perceived, and they appear to be independent of both building size and level of "green" achievement; projects are using financial incentives and philanthropy to drive higher levels of achievement; premiums are decreasing over time; and projects are benefiting from improvements in health and productivity which, although difficult to monetize, are universally valued.

  9. An Empirical Study of Asian Crude Oil Premiums

    Institute of Scientific and Technical Information of China (English)

    2006-01-01

    The price of Middle East crude oil exported to Asian countries has been higher than that to Europe and America for a long period, and this price differential made Asian countries pay more than European and American countries. Prior investigations found that "Asian Crude Oil Premium" did exist at a relatively low oil price level. However, world oil price soared after 2003, making the price of Middle East crude oil exported to European countries or America rise quickly, sometimes even higher than that to Asia. Under this situation, this paper uses the price of Middle East crude oil sold to Europe or America or Asia to test if the premium exists at a high oil price level and concludes that the crude oil price premium of Asia against America does not exist, but the premium of Asia against Europe still exists.

  10. 48 CFR 2132.170 - Recurring premium payments to Contractors.

    Science.gov (United States)

    2010-10-01

    ..., a reconciliation of premiums, benefits, and other costs will be performed as a limited cost... Contractor's bank for payment. (c) Nothing in this chapter will affect the ability of the Contractor to...

  11. Inflation, Endogenous Market Segmentation and the Term Structure of Interest Rates

    NARCIS (Netherlands)

    C.G. de Vries (Casper); X. Wang

    2015-01-01

    markdownabstract__Abstract__ The term structure of interest rates does not adhere to the expectations hypothesis, possibly due to a risk premium. We consider the implications of a risk premium that arises from endogenous market segmentation driven by variable inflation rates. In the absence of

  12. Inflation, Endogenous Market Segmentation and the Term Structure of Interest Rates

    NARCIS (Netherlands)

    C.G. de Vries (Casper); X. Wang

    2015-01-01

    markdownabstract__Abstract__ The term structure of interest rates does not adhere to the expectations hypothesis, possibly due to a risk premium. We consider the implications of a risk premium that arises from endogenous market segmentation driven by variable inflation rates. In the absence of auto

  13. Fixed-premium deposit insurance and international credit crunches

    OpenAIRE

    Spiegel, Mark M.

    1996-01-01

    This article introduces a monopolistically competitive model of foreign lending in which both explicit and implicit fixed-premium deposit insurance increase the degree to which bank participation in relending to problem debtors falls below its globally optimal level. This provides a channel for fixed-premium deposit insurance to inhibit credit extension in bad states, resulting in an increase in the expected default percentage and an increase in the expected burden on the deposit insurance in...

  14. Rising College Premiums in Mexico: How Important Is Trade?

    OpenAIRE

    Mehta, Aashish; Acuna, Belinda

    2010-01-01

    The literature on wage inequality in liberalizing developing economies has largely attributed rising skill premiums to trade-induced increases in the demand for skilled labor within "sectors" (industries, occupations, or industry-occupation pairs). Although there is strong evidence from many countries of trade-induced increases in skill demand within manufacturing, we show that in Mexico, the most studied country in this literature, economy-wide increases in college premium can be explained w...

  15. Marketing marketing

    NARCIS (Netherlands)

    Alsem, K.J.

    2013-01-01

    In deze installatierede betoogt Karel Jan Alsem dat marketing een grotere strategische rol in organisaties zou moeten krijgen. Want marketing is bij uitstek de verbinding tussen klantwensen en het DNA van een organisatie. Doordat merken gemiddeld voor mensen niet heel belangrijk zijn, is goede brand

  16. Trends in the Use of Premium and Discount Cigarette Brands: Findings from the ITC US Surveys (2002–2011)

    Science.gov (United States)

    Cornelius, Monica E.; Driezen, Pete; Fong, Geoffrey T.; Chaloupka, Frank J.; Hyland, Andrew; Bansal-Travers, Maansi; Carpenter, Matthew J.; Cummings, K. Michael

    2014-01-01

    Objective The purpose of this paper was to examine trends in the use of premium and discount cigarette brands and determine correlates of type of brand used and brand switching. Methods Data from the International Tobacco Control (ITC) US adult smoker cohort survey were analyzed. The total study sample included 6669 adult cigarette smokers recruited and followed from 2002 to 2011 over eight different survey waves. Each survey wave included an average of 1700 smokers per survey with replenishment of those lost to follow-up. Results Over the eight survey waves, a total of 260 different cigarette brands were reported by smokers, of which 17% were classified as premium and 83% as discount brands. Marlboro, Newport, and Camel were the most popular premium brands reported by smokers in our sample over all eight survey waves. The percentage of smokers using discount brands increased between 2002 and 2011, with a marked increase in brand switching from premium to discount cigarettes observed after 2009 corresponding to the $0.61 increase in the federal excise tax on cigarettes. Cigarette brand preferences varied by age group and income levels with younger, higher income smokers more likely to report smoking premium brand cigarettes, while older, middle and lower income, heavier smokers were more likely to report using discount brands. Conclusions Our data suggest that demographic and smoking trends favor the continued growth of low priced cigarette brands. From a tobacco control perspective, the findings from this study suggest that governments should consider enacting stronger minimum pricing laws in order to keep the base price of cigarettes high, since aggressive price marketing will likely continue to be used by manufacturers to compete for the shrinking pool of remaining smokers in the population. PMID:24092600

  17. Trends in the use of premium and discount cigarette brands: findings from the ITC US Surveys (2002-2011).

    Science.gov (United States)

    Cornelius, Monica E; Driezen, Pete; Fong, Geoffrey T; Chaloupka, Frank J; Hyland, Andrew; Bansal-Travers, Maansi; Carpenter, Matthew J; Cummings, K Michael

    2014-03-01

    The purpose of this paper was to examine trends in the use of premium and discount cigarette brands and determine correlates of type of brand used and brand switching. Data from the International Tobacco Control (ITC) US adult smoker cohort survey were analysed. The total study sample included 6669 adult cigarette smokers recruited and followed from 2002 to 2011 over eight different survey waves. Each survey wave included an average of 1700 smokers per survey with replenishment of those lost to follow-up. Over the eight survey waves, a total of 260 different cigarette brands were reported by smokers, of which 17% were classified as premium and 83% as discount brands. Marlboro, Newport, and Camel were the most popular premium brands reported by smokers in our sample over all eight survey waves. The percentage of smokers using discount brands increased between 2002 and 2011, with a marked increase in brand switching from premium to discount cigarettes observed after 2009 corresponding to the $0.61 increase in the federal excise tax on cigarettes. Cigarette brand preferences varied by age group and income levels with younger, higher income smokers more likely to report smoking premium brand cigarettes, while older, middle and lower income, heavier smokers were more likely to report using discount brands. Our data suggest that demographic and smoking trends favour the continued growth of low priced cigarette brands. From a tobacco control perspective, the findings from this study suggest that governments should consider enacting stronger minimum pricing laws in order to keep the base price of cigarettes high, since aggressive price marketing will likely continue to be used by manufacturers to compete for the shrinking pool of remaining smokers in the population.

  18. Otimização da eficiência de limpeza em equipamento de beneficiamento de tomate de mesa Optimizing cleaning efficiency at a fresh market tomato packing line

    Directory of Open Access Journals (Sweden)

    Michele C. Silva

    2008-12-01

    Full Text Available A etapa de limpeza no sistema de beneficiamento do tomate de mesa é essencial para a aceitação do produto pelo consumidor, pois o grau de limpeza dos frutos está diretamente relacionado com a qualidade do produto. Entretanto, a etapa de lavagem, nos atuais equipamentos de limpeza, utilizada em unidades comerciais de beneficiamento, demanda volume excessivo de água, trazendo sérias preocupações ambientais. Este trabalho teve como objetivo comparar a eficiência de limpeza em dois sistemas, avaliando diferentes configurações operacionais relacionadas com a rotação de escovas, vazão do sistema e tempo de permanência do fruto sobre o jato. Comparou-se o sistema convencional utilizado em equipamentos comerciais com o sistema composto por um bocal de spray do tipo cone cheio. Os resultados demonstraram que a eficiência de limpeza não está diretamente relacionada com o volume de água utilizado, mas, sim, à pressão da água, associado ao tempo de permanência dos frutos e à rotação das escovas. Portanto, o uso de spray em sistemas de limpeza de frutos de tomate pode trazer benefícios tanto para a eficiência de limpeza, com incrementos superiores a 13%, como para o meio ambiente, trazendo redução no consumo de água.The post-harvesting cleaning process in fresh market tomatoes production is essential to the consumer acceptance, since the degree of dirtiness of the fruits is directly related to its quality. However, the washing stage of the cleaning process of commercial packinghouse demands an excessive water volume, bringing serious environmental concerns. The objective of this work was to compare the cleaning efficiency in two cleaning systems through the evaluation of different operational conditions of the cleaning process, related with the brush rotation, water flow and fruit standing time under the system. It was compared the conventional system utilized in commercial equipment with a system using commercial sprays. The

  19. S-shape relationship between customer satisfaction and willingness to pay premium prices for high quality cured pork products in Spain.

    Science.gov (United States)

    Cotes-Torres, Alejandro; Muñoz-Gallego, Pablo A; Cotes-Torres, José Miguel

    2012-03-01

    This paper explores 2 different probabilistic models explaining willingness to pay premium prices for high-quality cured products from the swine industry. Seven cured pork products (sausage, fuet, ham, loin, shoulder, salami and pepperoni) were studied in 9 food-stores in Valladolid, Spain. Consumers of the products were interviewed (686 completed surveys). It was found by using mixed effect statistical models that the relationship between willingness to pay a premium price and customer satisfaction had nonlinear behavior, following an S-shape with inverted slope which was the first empirical evidence of this type of behavior in meat products in real market conditions. It was also established that the interaction between satisfaction and current expenditure on the product was significant and indispensable for explaining consumers' willingness to pay premium price for cured pork products.

  20. MARKET WATCH

    Institute of Scientific and Technical Information of China (English)

    2009-01-01

    TO THE POINT: The government vowed to improve farmers’ living stan- dards and underlined several tasks to be fulfilled this year in this regard. A majority of domestic individual investors suffered losses of more than 70 percent on their investments in mainland stock markets last year. Steel manufacturers were also unlucky in 2008 and lost a total of $1.87 billion in November alone. Despite pressure from the gloomy economic situation, more than 200 enterprises in Shanghai promised no layoffs. Tainted milk producer Sanlu declared bankruptcy. Insurance premiums in China hit a record high in 2008. A Swiss bank defied global financial uncertainties and set up a joint venture financial institution with China’s Founder Securities.

  1. MARKET WATCH

    Institute of Scientific and Technical Information of China (English)

    2009-01-01

    High-ranking government officials from trade-related departments talked with Russian counterparts to settle a dispute between the Russian government and Chinese businesspeople who are accused of smuggling. The Chinese economy handed in a "better-than-expected" half-year performance report. Home mortgage loans climbed significantly due to robust property sales. Insurers’ premiums grew 6.6 percent year on year in the first half. The U.S. auto giant Ford secured a 14-percent sales growth in the Chinese market in the first six months. China has technically become a "rescuer-in-chief" for iron ore miners that are suffer- ing from plummeting demand from developed economies. To manage cost control in times of economic slowdown, HRG offered tips on cutting corporate travel expenses. Beijing’s Central Business District will march eastward to house more financial institutions.

  2. Induction of electrophile-responsive element (EpRE)-mediated gene expression by tomato extracts in vitro

    NARCIS (Netherlands)

    Gijsbers, L.; Eekelen, van H.D.L.M.; Nguyen, T.H.; Haan, de L.H.J.; Burg, van der B.; Aarts, J.M.M.J.G.; Rietjens, I.M.C.M.; Bovy, A.G.

    2012-01-01

    The market for food products with additional health benefits is increasing rapidly and tools for identification of bio-functional characteristics of food items are essential. To facilitate the detection of beneficial effects of tomato on gene expression, methods to prepare tomato extracts suitable t

  3. The Tomato Expression Atlas.

    Science.gov (United States)

    Fernandez-Pozo, Noe; Zheng, Yi; Snyder, Stephen I; Nicolas, Philippe; Shinozaki, Yoshihito; Fei, Zhangjun; Catala, Carmen; Giovannoni, James J; Rose, Jocelyn K C; Mueller, Lukas A

    2017-08-01

    With the development of new high-throughput DNA sequencing technologies and decreasing costs, large gene expression datasets are being generated at an accelerating rate, but can be complex to visualize. New, more interactive and intuitive tools are needed to visualize the spatiotemporal context of expression data and help elucidate gene function. Using tomato fruit as a model, we have developed the Tomato Expression Atlas to facilitate effective data analysis, allowing the simultaneous visualization of groups of genes at a cell/tissue level of resolution within an organ, enhancing hypothesis development and testing in addition to candidate gene identification. This atlas can be adapted to different types of expression data from diverse multicellular species. The Tomato Expression Atlas is available at http://tea.solgenomics.net/ . Source code is available at https://github.com/solgenomics/Tea . jr286@cornell.edu or lam87@cornell.edu. Supplementary data are available at Bioinformatics online.

  4. Native, discount, or premium brand cigarettes: what types of cigarettes are Canadian youth currently smoking?

    Science.gov (United States)

    Elton-Marshall, Tara; Leatherdale, Scott T; Burkhalter, Robin

    2013-02-01

    The objective of the study was to determine the brand distribution of premium, discount, and native cigarette brands and to identify the factors associated with smoking these brands among a nationally representative sample of Canadian youth smokers. Data from 3,137 current smokers in Grades 9-12 participating in the 2008-2009 Youth Smoking Survey (YSS) were used to examine the prevalence and factors associated with different cigarette brand preferences. The most prevalent brand of cigarette smoked was premium cigarettes (44.7%), followed by discount cigarettes (33.7%), and to be native cigarettes (7.3%). There was significant variability in brand preference by province with the majority of youth in Atlantic Canada and Quebec smoking a discount brand of cigarettes and higher prevalence rates of native cigarette use in Ontario and Quebec. Respondents were more likely to smoke discount cigarettes if they were female, daily smokers, or if they only had $1-20 a week in spending money. Respondents were more likely to smoke native cigarettes if they were Aboriginal, heavier smokers, or if they reported having no weekly spending money. A significant proportion of students from Grade 9 to 12 in Canada smoke cigarettes that are more affordable than premium brands and it appears that the market share for these more affordable cigarette options has increased in recent years. Given that the price of cigarettes is an important determinant in youth smoking behavior, it is critical to develop and continue to enforce tobacco control strategies designed to eliminate access to cheaper sources of cigarettes among youth populations.

  5. 21 CFR 155.191 - Tomato concentrates.

    Science.gov (United States)

    2010-04-01

    ... 21 Food and Drugs 2 2010-04-01 2010-04-01 false Tomato concentrates. 155.191 Section 155.191 Food... Tomato concentrates. (a) Identity—(1) Definition. Tomato concentrates are the class of foods each of... tomato ingredients: (i) The liquid obtained from mature tomatoes of the red or reddish...

  6. Evaluation of the harmonization process of the Czech insurance market with the single insurance market of the EU

    Directory of Open Access Journals (Sweden)

    Viktória Čejková

    2004-01-01

    Full Text Available For the Czech insurance industry, it has been 13 years since the passage of the Insurance Act in 1991, which did away with the monopoly and allowed competition in this business sector. In our evaluation, we can state that the positives outweigh the negatives. A relatively high pace of growth in total premiums written was achieved and the ratio of premiums written to GDP increased, up to 4,0% in 2002. In comparison with EU countries, the Czech insurance market is behind in 2 global indicators: the ratio of premiums written to GDP and the share of life insurance in total premiums written. The Czech insurance market must count on greater competition from foreign insurance companies, as the Czech Republic was May 1, 2004, accepted as a member of the European Union.

  7. Genetic divergence of tomato subsamples

    Directory of Open Access Journals (Sweden)

    André Pugnal Mattedi

    2014-02-01

    Full Text Available Understanding the genetic variability of a species is crucial for the progress of a genetic breeding program and requires characterization and evaluation of germplasm. This study aimed to characterize and evaluate 101 tomato subsamples of the Salad group (fresh market and two commercial controls, one of the Salad group (cv. Fanny and another of the Santa Cruz group (cv. Santa Clara. Four experiments were conducted in a randomized block design with three replications and five plants per plot. The joint analysis of variance was performed and characteristics with significant complex interaction between control and experiment were excluded. Subsequently, the multicollinearity diagnostic test was carried out and characteristics that contributed to severe multicollinearity were excluded. The relative importance of each characteristics for genetic divergence was calculated by the Singh's method (Singh, 1981, and the less important ones were excluded according to Garcia (1998. Results showed large genetic divergence among the subsamples for morphological, agronomic and organoleptic characteristics, indicating potential for genetic improvement. The characteristics total soluble solids, mean number of good fruits per plant, endocarp thickness, mean mass of marketable fruit per plant, total acidity, mean number of unmarketable fruit per plant, internode diameter, internode length, main stem thickness and leaf width contributed little to the genetic divergence between the subsamples and may be excluded in future studies.

  8. Adverse selection: does it preclude a competitive health insurance market?

    Science.gov (United States)

    Sloan, F A

    1992-10-01

    In sum, although fixed dollar subsidies have the great virtue of ferreting out cross subsidies, society may not be satisfied with the results. The scenario described by Marquis is only one of many. People seem to want lifetime insurance offering low premiums if things go bad rather than premiums that change annually as health outcomes are realized [see, e.g., Light (1992)]. But nondiversible risk may be too great for a market in life contracts to exist.

  9. Selection and the marriage premium for infant health.

    Science.gov (United States)

    Buckles, Kasey S; Price, Joseph

    2013-08-01

    Previous research has found a positive relationship between marriage and infant health, but it is unclear whether this relationship is causal or a reflection of positive selection into marriage. We use multiple empirical approaches to address this issue. First, using a technique developed by Gelbach (2009) to determine the relative importance of observable characteristics, we show how selection into marriage has changed over time. Second, we construct a matched sample of children born to the same mother and apply panel data techniques to account for time-invariant unobserved characteristics. We find evidence of a sizable marriage premium. However, this premium fell by more than 40 % between 1989 and 2004, largely as a result of declining selection into marriage by race. Accounting for selection reduces ordinary least squares estimates of the marriage premiums for birth weight, prematurity, and infant mortality by at least one-half.

  10. Experience Studies on Determining Life Premium Insurance Ratings: Practical Approaches

    Directory of Open Access Journals (Sweden)

    Mirela CRISTEA

    2008-01-01

    Full Text Available The focus of this article is to present the modelling tehcniques used on international practice in the evaluation of right life premiums based. The knowledge and models obtained have a common element of mortality risk indicators but these are varied in different parts of the world. The common elements of these studies and models are generally based on a series of indicators which mainly point out their probability of survival and they are named the mortality indicators. These indicators represent the basis for the calculation of the premiums quotes and for the elaboration by the insurers of premium tables. The benefit for the policyholder is to obtain insurance at a fair and competitive price and for the insurer, to maintain the experience of its portfolio in line with mortality assumptions.

  11. Quantile regression modeling for Malaysian automobile insurance premium data

    Science.gov (United States)

    Fuzi, Mohd Fadzli Mohd; Ismail, Noriszura; Jemain, Abd Aziz

    2015-09-01

    Quantile regression is a robust regression to outliers compared to mean regression models. Traditional mean regression models like Generalized Linear Model (GLM) are not able to capture the entire distribution of premium data. In this paper we demonstrate how a quantile regression approach can be used to model net premium data to study the effects of change in the estimates of regression parameters (rating classes) on the magnitude of response variable (pure premium). We then compare the results of quantile regression model with Gamma regression model. The results from quantile regression show that some rating classes increase as quantile increases and some decrease with decreasing quantile. Further, we found that the confidence interval of median regression (τ = O.5) is always smaller than Gamma regression in all risk factors.

  12. Comparative analysis of the impacts of marketing instruments on the organic market in Austria, the United Kingdom and Germany

    OpenAIRE

    Zenner, S.; Foster, C; Padel, S.; Wirthgen, B.

    2000-01-01

    Conclusions: This paper provides a comparative analysis of the impacts of the marketing instruments: The price-level can be identified as an important factor for further development. To promote sustained consumer demand, the premium price-level should be closer to the conventional price, although consumers are willing to pay some premium. Organic produce is associated with healthy food, which may appeal to consumers interested in healthy nutrition. Nevertheless, producers, processors and ...

  13. THE INFLUENCE OF HYSTERESIS IN CONSUMER’S BEHAVIOUR FOR PREMIUM PRICE EVALUATION

    Directory of Open Access Journals (Sweden)

    Evgeny KRYUKOV

    2014-10-01

    Full Text Available The paper deals with an example of the manifestation of the hysteresis in consumers’ behaviour for the Latvian company operating on the market closest to oligopoly and having a local brand name. Based on the quota sample of 332 company stores consumers, their loyalty, willingness to pay for domestic cosmetic products and the propensity to buy habitual products were evaluated. In the survey the unfolding bracketing procedure is used. It is shown that the relationship between the number of loyal consumers and the product price depends on the price increase or decrease and has the form of a hysteresis loop. The width of the hysteresis loop depends on the pricing of a competing company. The range of the premium prices bringing a positive economic impact is determined. The obtained results confirm a considerable influence of the hysteresis effect on consumers’ sensitivity to price changes. The findings can be useful for managers in evaluating a possible revenue growth connected with the premium pricing strategy.

  14. Estimating Short run and Long run Coefficients of Fundamentals Factors with Growth and Momentum Factor: Evidence from Emerging Markets

    Directory of Open Access Journals (Sweden)

    Adnan Shoaib

    2016-12-01

    Full Text Available This study examines the long term relationship of risk premium and fundamental factors in emerging stock markets of China, India and Pakistan keeping in view leading contribution of Fama and French (1992 and Carhart (1997 models. Contrary to the macroeconomic multifactor models, this study incorporates firm-specific risk factors related to the market premium; size (SMB, value (HML, momentum (WML and growth (UMD as determinants of risk premium. The firm-specific growth factor is incorporated based on evidence from Ho, Strange, and Piesse (2008 by employing (UMD which is based on assets to market equity of the firm. Sample of 1198 companies from the three emerging markets for the period of 2001-2013 depicts market risk premium as the leading factor affecting risk premium in Indian and the Pakistani markets. Results reveal market momentum being high enough to overestimate coefficients in the short run. However, the relationship is stabilized and adjusted in the long run. Chinese markets, where all the risk factors seem to play their role to determine risk premium, are relatively much stable and grown-up and clearly represent maturity of the Chinese markets. Distinction between the short run and long run might be useful for the investors of the three emerging economies. According to the principle of high risk associated with high returns, small value happens to deliver higher returns with higher volatility. The growth stocks outperform value stocks in these economies.

  15. Differences in beliefs and currency risk premiums

    NARCIS (Netherlands)

    Beber, A.; Breedon, F.; Buraschi, A.

    2010-01-01

    This paper studies the importance of heterogeneous beliefs for the dynamics of asset prices. We focus on currency markets, where the absence of short-selling constraints allows us to perform sharper tests of theoretical predictions. Using a unique data set with detailed information on foreign-exchan

  16. Tips on Tomatoes

    OpenAIRE

    Extension, USU

    2007-01-01

    Organisms that cause food spoilage - molds, yeasts and bacteria - are always present in the air, water and soil. Enzymes that may cause undesirable changes in flavor, color and texture are present in raw fruits. When tomatoes are canned, they are heated hot enough and long enough to destroy spoilage organisms.

  17. Solanum lycopersicum (Tomato)

    NARCIS (Netherlands)

    Pavan, S.N.C.; Heusden, van A.W.; Bai, Y.

    2009-01-01

    After its introduction in Europe the tomato (Solanum lycopersicum) has gone a long way. Dedicated breeding has resulted in numerous cultivars grown all over the world, differing in all kind of aspects such as yield, shape, resistance, taste and quality. Modern cultivars are sold as hybrids with a

  18. The tomato genome

    Science.gov (United States)

    The tomato genome sequence was undertaken at a time when state-of-the-art sequencing methodologies were undergoing a transition to co-called next generation methodologies. The result was an international consortium undertaking a strategy merging both old and new approaches. Because biologists were...

  19. Solanum lycopersicum (Tomato)

    NARCIS (Netherlands)

    Pavan, S.N.C.; Heusden, van A.W.; Bai, Y.

    2009-01-01

    After its introduction in Europe the tomato (Solanum lycopersicum) has gone a long way. Dedicated breeding has resulted in numerous cultivars grown all over the world, differing in all kind of aspects such as yield, shape, resistance, taste and quality. Modern cultivars are sold as hybrids with a ve

  20. 76 FR 38281 - Federal Employees Health Benefits Program: New Premium Rating Method for Most Community Rated...

    Science.gov (United States)

    2011-06-29

    .... Federal Employees Health Benefits Program: New Premium Rating Method for Most Community Rated Plans... 3206-AM39 Federal Employees Health Benefits Program: New Premium Rating Method for Most Community...

  1. [Financial and economic principles of assessing enterprises' insurance premium for mandatory social worker's compensation].

    Science.gov (United States)

    Petrosiants, E V; Bal'nova, L G

    2000-01-01

    The authors analyzed present enterprises' insurance premiums, pointed out the associated drawbacks, defined main financial and economic principles underlying determination of enterprise's insurance premium (principle of sufficiency, principle of justice, principle of collective responsibility and principle of stimulation).

  2. Labour markets for irrigated agriculture in central Ethiopia

    DEFF Research Database (Denmark)

    Wendimu, Mengistu Assefa; Gibbon, Peter

    Labour market segmentation in developing countries has been considered in a growing literature, some of which suggests an informal sector wage premium. However, such studies have mainly focused on urban labour markets and have not discriminated between the informally self-employed and wage workers....... This paper examines segmentation in rural markets for agricultural wage workers in Ethiopia, controlling for location, farming systems and observed worker characteristics. Applying an endogenous switching model with simultaneous estimation of wage equations it establishes an informal sector wage premium...

  3. Labour markets for irrigated agriculture in central Ethiopia

    DEFF Research Database (Denmark)

    Wendimu, Mengistu Assefa; Gibbon, Peter

    Labour market segmentation in developing countries has been considered in a growing literature, some of which suggests an informal sector wage premium. However, such studies have mainly focused on urban labour markets and have not discriminated between the informally self-employed and wage workers....... This paper examines segmentation in rural markets for agricultural wage workers in Ethiopia, controlling for location, farming systems and observed worker characteristics. Applying an endogenous switching model with simultaneous estimation of wage equations it establishes an informal sector wage premium...

  4. Transgenic tomato hybrids resistant to tomato spotted wilt virus infection.

    OpenAIRE

    Haan; Ultzen, T.; Prins, M.; Gielen, J.; Goldbach, R.; Grinsven, van, H.

    1996-01-01

    Tomato spotted wilt virus (TSWV) infections cause significant economic losses in the commercial culture of tomato (Lycopersicon esculentum). Culture practices have only been marginally effective in controlling TSWV. The ultimate way to minimize losses caused by TSWV is resistant varieties. These can be obtained by introgression of natural sources of resistance from wild relatives or by expressing viral sequences in transgenic tomato plants. We report high levels of resistance to TSWV obtained...

  5. Transgenic tomato hybrids resistant to tomato spotted wilt virus infection.

    OpenAIRE

    Haan, de, A.; Ultzen, T.; Prins, M.; Gielen, J; Goldbach, R; Grinsven, van, J.J.M.

    1996-01-01

    Tomato spotted wilt virus (TSWV) infections cause significant economic losses in the commercial culture of tomato (Lycopersicon esculentum). Culture practices have only been marginally effective in controlling TSWV. The ultimate way to minimize losses caused by TSWV is resistant varieties. These can be obtained by introgression of natural sources of resistance from wild relatives or by expressing viral sequences in transgenic tomato plants. We report high levels of resistance to TSWV obtained...

  6. A Review on Supercritical Fluid Extraction (SFE of Lycopene from Tomato and Tomato Products

    Directory of Open Access Journals (Sweden)

    Nevzat Konar

    2012-06-01

    Full Text Available Lycopene, an acyclic, open chain, unsaturated carotenoid having 13 double bonds, of which 11 are conjugated, arranged in a linear array, is considered to be a pigment of potential commercial importance in the emerging market for nutraceutical products because of its function as a health-promoting ingredient. Lycopene has received a great deal of attention as an effective antioxidant that can play an important role in reducing the risk of several chronic diseases. In this study, we reviewed extraction parameters of lycopene from tomato and tomato products by supercritical fluids and pre-extraction procedures. For extraction, temperature range as 50-110°C, extraction time range as 0.5-8.0 hours, extraction pressure range as 300-400 bar and using co-solvent, especially ethanol, are common parameters.

  7. 29 CFR 778.204 - “Clock pattern” premium pay.

    Science.gov (United States)

    2010-07-01

    ... POLICY OR INTERPRETATION NOT DIRECTLY RELATED TO REGULATIONS OVERTIME COMPENSATION Payments That May Be Excluded From the âRegular Rateâ Extra Compensation Paid for Overtime § 778.204 “Clock pattern” premium pay... extra compensation provided by such premium rate will be treated as an overtime premium if the...

  8. 26 CFR 1.264-2 - Single premium life insurance, endowment, or annuity contracts.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 3 2010-04-01 2010-04-01 false Single premium life insurance, endowment, or..., directly or indirectly, to purchase or to continue in effect a single premium life insurance or endowment... payee of such annuity contract. A contract is considered a single premium life insurance, endowment,...

  9. 38 CFR 8.5 - Authorization for deduction of premiums from compensation, retirement pay, or pension.

    Science.gov (United States)

    2010-07-01

    ... deduction of premiums from compensation, retirement pay, or pension. 8.5 Section 8.5 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF VETERANS AFFAIRS NATIONAL SERVICE LIFE INSURANCE Premiums § 8.5 Authorization for deduction of premiums from compensation, retirement pay, or pension. Deductions from...

  10. 38 CFR 8.4 - Deduction of insurance premiums from compensation, retirement pay, or pension.

    Science.gov (United States)

    2010-07-01

    ...' Relief DEPARTMENT OF VETERANS AFFAIRS NATIONAL SERVICE LIFE INSURANCE Premiums § 8.4 Deduction of insurance premiums from compensation, retirement pay, or pension. The insured under a National Service life insurance policy which is not lapsed may authorize the monthly deduction of premiums from...

  11. Mating motives are neither necessary nor sufficient to create the beauty premium.

    Science.gov (United States)

    Hafenbrädl, Sebastian; Dana, Jason

    2017-01-01

    Mating motives lead decision makers to favor attractive people, but this favoritism is not sufficient to create a beauty premium in competitive settings. Further, economic approaches to discrimination, when correctly characterized, could neatly accommodate the experimental and field evidence of a beauty premium. Connecting labor economics and evolutionary psychology is laudable, but mating motives do not explain the beauty premium.

  12. 5 CFR 892.102 - What is premium conversion and how does it work?

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false What is premium conversion and how does it work? 892.102 Section 892.102 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED... PREMIUMS Administration and General Provisions § 892.102 What is premium conversion and how does it...

  13. The impact of instant reward programs and bonus premiums on consumer purchase behavior

    NARCIS (Netherlands)

    Minnema, Alec; Bijmolt, Tammo H. A.; Non, Marielle C.

    2017-01-01

    This study examines the impact of an instant reward program (IRP) with bonus premiums on consumer purchase behavior. An IRP is a rapidly growing form of short-term program that rewards consumers instantly with small premiums per fixed spending, where these premiums are part of a larger set of collec

  14. 46 CFR 308.547 - Application for return premium, Form MA-317.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 8 2010-10-01 2010-10-01 false Application for return premium, Form MA-317. 308.547... for return premium, Form MA-317. An application for the return of premium must be filed in duplicate with the Underwriting Agent on Form MA-317, which may be obtained from the American War Risk Agency...

  15. 46 CFR 308.527 - Application for return premium, Form MA-307.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 8 2010-10-01 2010-10-01 false Application for return premium, Form MA-307. 308.527... for return premium, Form MA-307. An application for the return of premium, which may be obtained from... MA-307....

  16. 42 CFR 406.33 - Determination of months to be counted for premium increase: Enrollment.

    Science.gov (United States)

    2010-10-01

    ... increase: Enrollment. 406.33 Section 406.33 Public Health CENTERS FOR MEDICARE & MEDICAID SERVICES... Premium Hospital Insurance § 406.33 Determination of months to be counted for premium increase: Enrollment... premium increase are the months from the end of the initial enrollment period through the end of the...

  17. 14 CFR 198.15 - Non-premium insurance-payment of registration binders.

    Science.gov (United States)

    2010-01-01

    ... OF TRANSPORTATION (CONTINUED) WAR RISK INSURANCE AVIATION INSURANCE § 198.15 Non-premium insurance... 14 Aeronautics and Space 3 2010-01-01 2010-01-01 false Non-premium insurance-payment of...-premium insurance must be accompanied by the proper binder, payable to the FAA. A binder is not...

  18. 26 CFR 1.803-6 - Amortization of premium and accrual of discount.

    Science.gov (United States)

    2010-04-01

    ... (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES Life Insurance Companies § 1.803-6 Amortization of premium... company. A life insurance company which adjusts amortization of premium or accrual of discount with... 26 Internal Revenue 8 2010-04-01 2010-04-01 false Amortization of premium and accrual of...

  19. 78 FR 58290 - TRICARE; Calendar Year 2014 TRICARE Young Adult Program Premium Update

    Science.gov (United States)

    2013-09-23

    ... of the Secretary TRICARE; Calendar Year 2014 TRICARE Young Adult Program Premium Update AGENCY: Office of the Secretary of Defense, DoD. ACTION: Notice of Updated TRICARE Young Adult Premiums for Calendar Year 2014. SUMMARY: This notice provides the updated TRICARE Young Adult program premiums...

  20. 24 CFR 203.462 - Pro rata payment of premium before termination.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Pro rata payment of premium before... Pro rata payment of premium before termination. No contract of insurance shall be terminated until the lender has paid to the Commissioner the pro rata portion of the current annual insurance premium....

  1. The impact of instant reward programs and bonus premiums on consumer purchase behavior

    NARCIS (Netherlands)

    Minnema, Alec; Bijmolt, Tammo H. A.; Non, Marielle C.

    This study examines the impact of an instant reward program (IRP) with bonus premiums on consumer purchase behavior. An IRP is a rapidly growing form of short-term program that rewards consumers instantly with small premiums per fixed spending, where these premiums are part of a larger set of

  2. Metabolite Profiling of Italian Tomato Landraces with Different Fruit Types

    Directory of Open Access Journals (Sweden)

    Svetlana eBaldina

    2016-05-01

    Full Text Available Increased interest towards traditional tomato varieties is fueled by the need to rescue desirable organoleptic traits and to improve the quality of fresh and processed tomatoes in the market. In addition, the phenotypic and genetic variation preserved in tomato landraces represents a means to understand the genetic basis of traits related to health and organoleptic aspects and improve them in modern varieties. To establish a framework for this approach, we studied the content of several metabolites in a panel of Italian tomato landraces categorized into three broad fruit type classes (flattened/ribbed, pear/oxheart, round/elongate. Three modern hybrids, corresponding to the three fruit shape typologies, were included as reference. Red ripe fruits were morphologically characterized and biochemically analyzed for their content in glycoalkaloids, phenols, amino acids and Amadori products. The round/elongate types showed a higher content in glycoalkaloids, whereas flattened types had higher levels of phenolic compounds. Flattened tomatoes were also rich in total amino acids and in particular in glutamic acid. Multivariate analysis of amino acid content clearly separated the three classes of fruit types. Making allowance of the very low number of genotypes, phenotype-marker relationships were analyzed after retrieving single nucleotide polymorphisms (SNPs among the landraces available in the literature. Sixty-six markers were significantly associated with the studied traits. The positions of several of these SNPs showed correspondence with already described genomic regions and QTLs supporting the reliability of the association. Overall the data indicated that significant changes in quality-related metabolites occur depending on the genetic background in traditional tomato germplasm, frequently according to specific fruit shape categories. Such a variability is suitable to harness association mapping for metabolic quality traits using this germplasm

  3. Create a Consortium and Develop Premium Carbon Products from Coal

    Energy Technology Data Exchange (ETDEWEB)

    Frank Rusinko; John Andresen; Jennifer E. Hill; Harold H. Schobert; Bruce G. Miller

    2006-01-01

    The objective of these projects was to investigate alternative technologies for non-fuel uses of coal. Special emphasis was placed on developing premium carbon products from coal-derived feedstocks. A total of 14 projects, which are the 2003 Research Projects, are reported herein. These projects were categorized into three overall objectives. They are: (1) To explore new applications for the use of anthracite in order to improve its marketability; (2) To effectively minimize environmental damage caused by mercury emissions, CO{sub 2} emissions, and coal impounds; and (3) To continue to increase our understanding of coal properties and establish coal usage in non-fuel industries. Research was completed in laboratories throughout the United States. Most research was performed on a bench-scale level with the intent of scaling up if preliminary tests proved successful. These projects resulted in many potential applications for coal-derived feedstocks. These include: (1) Use of anthracite as a sorbent to capture CO{sub 2} emissions; (2) Use of anthracite-based carbon as a catalyst; (3) Use of processed anthracite in carbon electrodes and carbon black; (4) Use of raw coal refuse for producing activated carbon; (5) Reusable PACs to recycle captured mercury; (6) Use of combustion and gasification chars to capture mercury from coal-fired power plants; (7) Development of a synthetic coal tar enamel; (8) Use of alternative binder pitches in aluminum anodes; (9) Use of Solvent Extracted Carbon Ore (SECO) to fuel a carbon fuel cell; (10) Production of a low cost coal-derived turbostratic carbon powder for structural applications; (11) Production of high-value carbon fibers and foams via the co-processing of a low-cost coal extract pitch with well-dispersed carbon nanotubes; (12) Use of carbon from fly ash as metallurgical carbon; (13) Production of bulk carbon fiber for concrete reinforcement; and (14) Characterizing coal solvent extraction processes. Although some of the

  4. Difficult marketing; Schwierige Vermarktung

    Energy Technology Data Exchange (ETDEWEB)

    Rentzing, Sascha

    2013-02-15

    With the new edition of the Renewable Energy Law (EEG) at 1st January 2012, the market premium model becomes effective in order to implement the green electricity into the electricity market better. With this, the operators of photovoltaic power plants switched from the fixed EEG compensation for electricity to direct marketing. The market premium model provides that only 90% of the power generated by large photovoltaic power plants on roofs of buildings are compensated via EEG corresponding to 0.15 Euro/kWh. The remaining 10% is compensated only with 0.045 Euro/kWh which complies with the actual stock exchange value. If one is not very happy with this solution, one has to consume the excess power by its own or to sell the excess power to third parties. The own consumption would be the easier solution. But the own consumption is usually not possible because the most large photovoltaic power plants are installed on roofs of commercial and public buildings. Consequently, the operators of these photovoltaic power plants have to sell the excess power to third parties. This is associated with many imponderables and additional costs.

  5. Screening for the presence of patulin in molded fresh produce and evaluation of its stability in the production of tomato products.

    Science.gov (United States)

    Van de Perre, Evelien; Jacxsens, Liesbeth; Van Der Hauwaert, Wendy; Haesaert, Ine; De Meulenaer, Bruno

    2014-01-08

    A screening for the presence of patulin in molded fresh produce was conducted. Patulin was present in 11% of the sweet bell peppers and in 8% of the soft red fruits, but not in onions. Patulin was also found in tomatoes, but could not be detected in derived tomato products. When the production process of tomato concentrates was simulated, none of the evaluated hypotheses could however explain a complete degradation of patulin. It was thus concluded that the tomato varieties used for further processing are probably less susceptible to infestation by patulin-producing molds compared to tomatoes used for the fresh market. This was confirmed by screening for patulin throughout the production process of tomato concentrate, gazpacho, and salmorejo in three different countries; all 191 samples were negative for patulin. Therefore, it can be concluded that no health risk can be associated with derived tomato products considering this particular mycotoxin.

  6. Yield and quality of tomato (Lycopersicon esculentum Mill. fruit harvested from plants grown in mulched soil

    Directory of Open Access Journals (Sweden)

    Joanna Majkowska-Gadomska

    2012-12-01

    Full Text Available A study investigating the yield of field-grown tomatoes was conducted in 2007–2009 in the Garden of the Research and Experimental Station of the University of Warmia and Mazury in Olsztyn. The experimental materials comprised two tomato cultivars, 'Bawole Serce' and 'Złoty Ożarowski'. Tomato plants were grown in bare soil and in soil mulched with black non-woven PP 50 fabric. Cultivar selection had a significant effect only on average early yield of 'Bawole Serce'. The highest average early yield for three years of the study was recorded for 'Bawole Serce' grown in mulched soil, while the lowest one for 'Złoty Ożarowski' grown in mulched plots. Tomato marketable yield was significantly higher in both treatments where 'Bawole Serce' plants were grown. Fruits harvested from tomato plants 'Złoty Ożarowski' had a higher dry matter content. Soil mulching significantly increased the dry matter content of 'Złoty Ożarowski' tomato fruit. The experimental factors had no influence on the concentrations of L-ascorbic acid, total sugars, and organic acids. Nitrate levels in tomato fruit were within permissible limits, and they were significantly affected by the cultivation method and the method x cultivar interaction. Nitrate accumulation was reduced in tomato plants 'Złoty Ożarowski' grown in mulched soil.

  7. Market analysis property insurance in Russia in modern conditions

    Directory of Open Access Journals (Sweden)

    Olga Rysskih

    2015-06-01

    Full Text Available The paper discusses the state of property insurance market. The authors analyze premiums and payments of property insurance in 2010-2014 in the Russian Federation. The main trends and prospects of development of the insurance market in 2015 are determined.

  8. How to time the commodities markets

    NARCIS (Netherlands)

    D. Basu; R. Oomen; A. Stremme

    2010-01-01

    In this article we construct and investigate the performance of elementary trading strategies that allow an investor to time between equities and commodities. Our strategies appear to capture time-varying risk premiums in the equity and commodity markets, enabling them to successfully time the marke

  9. A Toy Story: Association between Young Children’s Knowledge of Fast Food Toy Premiums and their Fast Food Consumption

    Science.gov (United States)

    Longacre, Meghan R.; Drake, Keith M.; Titus, Linda J.; Cleveland, Lauren P.; Langeloh, Gail; Hendricks, Kristy; Dalton, Madeline A.

    2015-01-01

    Fast food restaurants spend millions of dollars annually on child-targeted marketing, a substantial portion of which is allocated to toy premiums for kids’ meals. The objectives of this study were to describe fast food toy premiums, and examine whether young children’s knowledge of fast food toy premiums was associated with their fast food consumption. Parents of 3- to 5-year old children were recruited from pediatric and WIC clinics in Southern New Hampshire, and completed a cross-sectional survey between April 2013–March 2014. Parents reported whether their children usually knew what toys were being offered at fast food restaurants, and whether children had eaten at any of four restaurants that offer toy premiums with kids’ meals (McDonald’s, Burger King, Subway, Wendy’s) during the 7 days preceding the survey. Seventy-one percent of eligible parents participated (N=583); 48.4% did not receive any education beyond high school, and 27.1% of children were non-white. Half (49.7%) the children had eaten at one or more of the four fast food restaurants in the past week; one-third (33.9%) had eaten at McDonald’s. The four restaurants released 49 unique toy premiums during the survey period; McDonald’s released half of these. Even after controlling for parent fast food consumption and sociodemographics, children were 1.38 (95% CI=1.04, 1.82) times more likely to have consumed McDonald’s if they usually knew what toys were offered by fast food restaurants. We did not detect a relationship between children’s toy knowledge and their intake of fast food from the other restaurants. In this community-based sample, young children’s knowledge of fast food toys was associated with a greater frequency of eating at McDonald’s, providing evidence in support of regulating child-directed marketing of unhealthy foods using toys. PMID:26471803

  10. A guide to understanding the variation in premiums in rural health insurance marketplaces.

    Science.gov (United States)

    Barker, Abigail R; McBride, Timothy D; Kemper, Leah M; Mueller, Keith

    2014-05-01

    Key Findings. (1) State-level decisions in implementing the Patient Protection and Affordable Care Act of 2010 (ACA) have led to significant state variation in the design of Health Insurance Marketplace (HIM) rating areas. In some designs, rural counties are grouped together, while in others, rural and urban counties have been deliberately mixed. (2) Urban counties have, on average, approximately one more firm participating in the marketplaces, representing about 11 more plan offerings, than rural counties have. (3) The highest-valued "platinum" plan types are less likely to be available in rural areas. Thus, the overall mix of plan types should be factored into the reporting of average premiums. (4) Levels of competition are likely to have a greater impact on the decisions of firms considering whether to operate in higher-cost areas or not, as those firms must determine how they can pass such costs on to consumers, conditional on the market share they are likely to control.

  11. Tomato fruit quality as affected by ripening on- and off-vine

    OpenAIRE

    Koukounaras, A.; Makridou, C.; Siomos, A.S.

    2010-01-01

    Proceedings of the International Conference “Environmentally friendly and safe technologies for quality of fruit and vegetables”, held in Universidade do Algarve, Faro, Portugal, on January 14-16, 2009. This Conference was a join activity with COST Action 924. In order to extend postharvest life and marketable period, tomato fruits are mainly harvested at the mature green stage and they ripen off vine. However, most of the consumers are convinced that on vine ripened tomatoes a...

  12. 29 CFR 778.201 - Overtime premiums-general.

    Science.gov (United States)

    2010-07-01

    ... POLICY OR INTERPRETATION NOT DIRECTLY RELATED TO REGULATIONS OVERTIME COMPENSATION Payments That May Be Excluded From the âRegular Rateâ Extra Compensation Paid for Overtime § 778.201 Overtime premiums—general..., the extra compensation provided by the premium rates need not be included in the employee's...

  13. 77 FR 41270 - Health Insurance Premium Tax Credit

    Science.gov (United States)

    2012-07-13

    ... From the Federal Register Online via the Government Publishing Office DEPARTMENT OF THE TREASURY Internal Revenue Service 26 CFR Parts 1 and 602 RIN 1545-BJ82 Health Insurance Premium Tax Credit Correction In rule document 2012-12421 appearing on pages 30377-30400 in the issue of Wednesday, May 23, 2012...

  14. 26 CFR 1.848-2 - Determination of net premiums.

    Science.gov (United States)

    2010-04-01

    ... equals the amount which bears the same ratio to the capitalization shortfall as the required...) Retired lives reserves. Premiums received by an insurance company under a retired lives reserve... approximated by using the interpolated terminal reserve of the original contract as of the date of the...

  15. Just My Imagination: Beauty premium and the evolved mental model.

    Science.gov (United States)

    Oda, Ryo

    2017-01-01

    Imagination, an important feature of the human mind, may be at the root of the beauty premium. The evolved human capacity for simulating the real world, developed as an adaptation to a complex social environment, may offer the key to understanding this and many other aspects of human behavior.

  16. 'Benefits cycle' replacing premium cycle as consumerism takes hold.

    Science.gov (United States)

    2002-05-01

    The traditional premium cycle of ups and downs in rates is giving way to a new phenomenon--driven by the advent of consumerism in health care--termed the "benefits cycle" by one consultant. Rather than shifts in rates, he argues, the future will see shifts in benefits packages.

  17. A theoretical and practical perspective on the equity risk premium

    NARCIS (Netherlands)

    Salomons, Roelof

    2008-01-01

    In historical perspective, equity returns have been higher than interest rates but have also varied a good deal more. However, the average excess return has been larger than what could be expected based on classical equilibrium theory: the equity risk premium (ERP) puzzle. This paper has two objecti

  18. Portfolio size as funktion of the premium: modeling and optimization

    DEFF Research Database (Denmark)

    Asmussen, Søren; Christensen, Bent Jesper; Taksar, Michael I

    An insurance company has a large number N of potential customers characterized by i.i.d. r.v.'s A1,…,AN giving the arrival rates of claims. Customers are risk averse, and a customer accepts an offered premium p according to his A-value. The modeling further involves a discount rate d>r of customers...

  19. Effect Of 1-MCP Treatment On Storage Potential Of Tomato Fruit

    Directory of Open Access Journals (Sweden)

    Wrzodak Anna

    2015-12-01

    Full Text Available Tomato fruit cv. ’Faustine’ F1 were harvested at mature green and full-red stages and treated with 1 or 2 µl·l−1 of 1-methylcyclopropene (1-MCP at 20 °C and 85-90% RH, for 21 hours to investigate the ability to delay ripening. Treated and control fruit were stored at 12.5 and 20 °C and 85-90% RH. Ethylene production, rate of respiration, weight loss, market value and storage life were determined after 4-week storage. Exposure of tomato fruit to 1-MCP reduced ethylene production and respiration rate of the fruit harvested at mature-green and full-red stages of maturity. Storage life and market value of tomato fruit depended on the treatment with 1-MCP, stage of maturity and storage temperature. Untreated fruits were characterized by the shortest storage life in comparison with the fruit treated with 1-MCP. The lowest market value was observed for tomato fruit harvested as a mature green, untreated with 1-MCP and stored at 20 °C. Treatment of tomato fruit with 1-MCP resulted in the reduction of natural weight loss during storage. These results suggest that 1-MCP treatment can be used in a commercial storage and trading system for tomatoes due to its ability to delay fruit ripening.

  20. Corporate sustainability and asset pricing models: empirical evidence for the Brazilian stock market

    Directory of Open Access Journals (Sweden)

    Vitor Gonçalves de Azevedo

    2016-01-01

    Full Text Available Abstract The paper investigates the impact of corporate sustainability on asset prices. For that purpose, we develop a novel corporate sustainability factor and test the extent to which this factor is priced in an augmented four-factor version of the traditional Fama & French (1993 asset pricing model. The corporate sustainability factor is based on a zero-investment portfolio which is long in stocks with high sustainability and short in stocks with low sustainability. We use data on the Brazilian stock market to estimate alternative model specifications with different combinations of four explanatory variables: the corporate sustainability premium, the market risk factor premium, the size factor premium and the book-to-market factor premium. Our results indicate that corporate sustainability is priced and helps to explain the variability in the cross-section of expected stock returns.

  1. Transgenic tomato hybrids resistant to tomato spotted wilt virus infection.

    NARCIS (Netherlands)

    Haan, de P.; Ultzen, T.; Prins, M.; Gielen, J.; Goldbach, R.; Grinsven, van M.

    1996-01-01

    Tomato spotted wilt virus (TSWV) infections cause significant economic losses in the commercial culture of tomato (Lycopersicon esculentum). Culture practices have only been marginally effective in controlling TSWV. The ultimate way to minimize losses caused by TSWV is resistant varieties. These can

  2. Transgenic tomato hybrids resistant to tomato spotted wilt virus infection.

    NARCIS (Netherlands)

    Haan, de P.; Ultzen, T.; Prins, M.; Gielen, J.; Goldbach, R.; Grinsven, van M.

    1996-01-01

    Tomato spotted wilt virus (TSWV) infections cause significant economic losses in the commercial culture of tomato (Lycopersicon esculentum). Culture practices have only been marginally effective in controlling TSWV. The ultimate way to minimize losses caused by TSWV is resistant varieties. These can

  3. 21 CFR 73.585 - Tomato lycopene extract; tomato lycopene concentrate.

    Science.gov (United States)

    2010-04-01

    ... 21 Food and Drugs 1 2010-04-01 2010-04-01 false Tomato lycopene extract; tomato lycopene... SERVICES GENERAL LISTING OF COLOR ADDITIVES EXEMPT FROM CERTIFICATION Foods § 73.585 Tomato lycopene extract; tomato lycopene concentrate. (a) Identity. (1) The color additive tomato lycopene extract is...

  4. Bacterial canker resistance in tomato

    NARCIS (Netherlands)

    Sen, Y.

    2014-01-01

    Clavibacter michiganensis subsp. michiganensis (Cmm) is the pathogen causing bacterial  canker in tomato. The disease was described for the first time in 1910 in Michigan, USA. Cmmis considered the most harmful bacteria threatening tomato. Disease transmission occurs via seed and symptoms becom

  5. 21 CFR 155.190 - Canned tomatoes.

    Science.gov (United States)

    2010-04-01

    ... 21 Food and Drugs 2 2010-04-01 2010-04-01 false Canned tomatoes. 155.190 Section 155.190 Food and... tomatoes. (a) Identity—(1) Description. (i) Canned tomatoes is the food prepared from mature tomatoes conforming to the characteristics of the fruit Lycopersicum esculentum P. Mill, of red or reddish...

  6. Quality Investing in CEE Emerging Markets

    Directory of Open Access Journals (Sweden)

    Adam Zaremba

    2014-06-01

    Full Text Available Using sorting, cross-sectional tests, regression, and tests of a monotonic relation, the study examines the return patterns related to seven distinct quality characteristics: accruals, bid-ask spread, balance sheet liquidity, profitability, leverage, payout ratio and turnover. The investigation of more than 1.300 stocks from 11 Central and Eastern European countries for the period 2002–2014 documents a strong gross-profitability premium and an inverted liquidity premium. Profitable and not heavily leveraged companies provide a partial hedge against market distress. Finally, the paper proposes quality spreads as a forecasting tool and shows that they have predictive abilities over quality premiums related to leverage, profitability and bid-ask spread.

  7. CREAT A CONSORTIUM AND DEVELOP PREMIUM CARBON PRODUCTS FROM COAL

    Energy Technology Data Exchange (ETDEWEB)

    John M. Andresen

    2003-08-01

    The Consortium for Premium Carbon Products from Coal, with funding from the U.S. Department of Energy's National Energy Technology Laboratory and matching funds from industry and academic institutions continued to excel in developing innovative technologies to use coal and coal-derived feedstocks to produce premium carbon product. During Budget Period 5, eleven projects were supported and sub-contracted were awarded to seven organizations. The CPCPC held two meetings and one tutorial at various locations during the year. Budget Period 5 was a time of growth for CPCPC in terms of number of proposals and funding requested from members, projects funded and participation during meetings. Although the membership was stable during the first part of Budget Period 5 an increase in new members was registered during the last months of the performance period.

  8. Effects of Different Quantities of Tea-leaf Wormcast Substrate on the Growth of Tomato Seedling

    Directory of Open Access Journals (Sweden)

    YANG Wei

    2015-08-01

    Full Text Available The tomato seedling experiment was conducted to investigate the effect of substrate on the tomato seedling growth from five proportions of tea-leaf wormcast to peat, perlite and vermiculite, namely treatment I(1:5:2:2, treatment Ⅱ(2:4:2:2, treatment Ⅲ(3:3:2:2, treatment Ⅳ(4:2:2:2, treatment Ⅴ(6:0:2:2, respectively. The botany properties and characters of tomato seedling were observed to discuss the application effect of tea-leaf wormcast substrate. The results showed that in all treatments of the compound substrate of tea-leaf wormcast, except of treatment I, the tomato seedling indexes were superior to the control treatments(conventional seedling substrate in market, and the treatments Ⅳ had the best effect, followed by treatment Ⅴ. With the increasing proportion of tea-leaf wormcast, the plant height, stem diameter, SPAD value, and root morphology index of tomato seedlings firstly increased, and then decreased obviously. The substrate with the appropriate proportion of tea-leaf wormcast could obviously improve the quality of tomato seedlings, and the treatment Ⅳ was the best, which could be recommended for the actual production of tomato seedling.

  9. High speed intelligent classifier of tomatoes by colour, size and weight

    Energy Technology Data Exchange (ETDEWEB)

    Cement, J.; Novas, N.; Gazquez, J. A.; Manzano-Agugliaro, F.

    2012-11-01

    At present most horticultural products are classified and marketed according to quality standards, which provide a common language for growers, packers, buyers and consumers. The standardisation of both product and packaging enables greater speed and efficiency in management and marketing. Of all the vegetables grown in greenhouses, tomatoes are predominant in both surface area and tons produced. This paper will present the development and evaluation of a low investment classification system of tomatoes with these objectives: to put it at the service of producing farms and to classify for trading standards. An intelligent classifier of tomatoes has been developed by weight, diameter and colour. This system has optimised the necessary algorithms for data processing in the case of tomatoes, so that productivity is greatly increased, with the use of less expensive and lower performance electronics. The prototype is able to achieve very high speed classification, 12.5 ratings per second, using accessible and low cost commercial equipment for this. It decreases fourfold the manual sorting time and is not sensitive to the variety of tomato classified. This system facilitates the processes of standardisation and quality control, increases the competitiveness of tomato farms and impacts positively on profitability. The automatic classification system described in this work represents a contribution from the economic point of view, as it is profitable for a farm in the short term (less than six months), while the existing systems, can only be used in large trading centers. (Author) 36 refs.

  10. Food Processing and Marketing: New Directions...New Opportunities.

    Science.gov (United States)

    Welch, Mary A., Ed.

    1995-01-01

    This issue uses tomato processing to illustrate the new directions and opportunities available in the food market. Comparative advantage and economies of scale are discussed in relation to markets. Forecasting success in the market is attributed to studying consumer consumption trends by type and monitoring standards of living in 32 newly…

  11. Correlations between yield and fruit quality characteristics of fresh market tomatoes Correlações entre caracteres de produção e qualidade de frutos de tomate de mesa

    Directory of Open Access Journals (Sweden)

    Lívia M de Souza

    2012-12-01

    Full Text Available Genotypic, phenotypic and environmental correlations were estimated for all possible pairs among eleven characters of tomatoes. Fifteen treatments including five parents and ten hybrids of Instituto Agronômico (IAC tomato breeding program were evaluated using a randomized complete block experimental design, with tree replications in Itatiba, São Paulo state, Brazil, during 2005/2006. The following traits were evaluated: fruit yield per plant (FP, fruit number per plant (FN, average fruit weight (FW, cluster number per plant (CN, fruit number per cluster (FC, number of locules per fruit (NL, fruit length (FL, fruit width (WI, fruit wall thickness (FT, total soluble solids (SS, and total titratable acidity (TA. The genotypic (rG, phenotypic (rF and environmental correlations (rA for two pairs of plant traits were estimated using the Genes© program. High similarity was found among the estimates of genotypic and phenotypic correlations. Positive and high phenotypic and genotypic correlations were observed between FP and the traits FN, FW and FT, and these associations contributed for yield increasing. FW and FT contributed to yield increase and should be considered together as primary yield components in tomato. Positive values of the genotypic and phenotypic correlations revealed that FP influenced FN with high direct effect and significant positive correlation. These traits may be included as the main selection criteria for tomato yield improvement.Correlações fenotípica, genotípica e ambiental foram estimadas entre todos os possíveis pares de onze caracteres de tomate de mesa. Quinze tratamentos, incluindo cinco parentais e dez híbridos do programa de melhoramento de tomate do Instituto Agronômico (IAC foram testados no delineamento em blocos casualizados completos, em Itatiba-SP, em 2005/2006. Os seguintes caracteres foram avaliados: produção (FP, número (FN e peso médio do fruto (FW, número de pencas por planta (CN, número de

  12. Comparative analysis of tomato value chain competitiveness in selected areas of Malawi and Mozambique

    Directory of Open Access Journals (Sweden)

    Nelson Mango

    2015-12-01

    Full Text Available This paper discusses tomato value chain performance in Malawi and Mozambique using data collected from a market study commissioned by the International Centre for Tropical Agriculture as part of a regional research on conservation agriculture in maize-based farming systems in Sub-Saharan Africa. The results show that Malawi has a slightly higher competitive advantage in the production of tomato compared to Mozambique. Malawi’s relative competitiveness in tomato is mainly due to slightly higher productivity and the cost advantage in labor (low wages and irrigation costs. The paper proposes policy implications aimed at raising the productivity and trade competitiveness of tomato, as this will ensure the overall productivity of the maize-based smallholder farming systems in the two countries.

  13. Designing Psychological Treatments for Scalability: The PREMIUM Approach.

    Directory of Open Access Journals (Sweden)

    Sukumar Vellakkal

    Full Text Available Lack of access to empirically-supported psychological treatments (EPT that are contextually appropriate and feasible to deliver by non-specialist health workers (referred to as 'counsellors' are major barrier for the treatment of mental health problems in resource poor countries. To address this barrier, the 'Program for Effective Mental Health Interventions in Under-resourced Health Systems' (PREMIUM designed a method for the development of EPT for severe depression and harmful drinking. This was implemented over three years in India. This study assessed the relative usefulness and costs of the five 'steps' (Systematic reviews, In-depth interviews, Key informant surveys, Workshops with international experts, and Workshops with local experts in the first phase of identifying the strategies and theoretical model of the treatment and two 'steps' (Case series with specialists, and Case series and pilot trial with counsellors in the second phase of enhancing the acceptability and feasibility of its delivery by counsellors in PREMIUM with the aim of arriving at a parsimonious set of steps for future investigators to use for developing scalable EPT.The study used two sources of data: the usefulness ratings by the investigators and the resource utilization. The usefulness of each of the seven steps was assessed through the ratings by the investigators involved in the development of each of the two EPT, viz. Healthy Activity Program for severe depression and Counselling for Alcohol Problems for harmful drinking. Quantitative responses were elicited to rate the utility (usefulness/influence, followed by open-ended questions for explaining the rankings. The resources used by PREMIUM were computed in terms of time (months and monetary costs.The theoretical core of the new treatments were consistent with those of EPT derived from global evidence, viz. Behavioural Activation and Motivational Enhancement for severe depression and harmful drinking respectively

  14. Progressive or regressive? A second look at the tax exemption for employer-sponsored health insurance premiums.

    Science.gov (United States)

    Schoen, Cathy; Stremikis, Kristof; Collins, Sara; Davis, Karen

    2009-05-01

    The major argument for capping the exemption of health insurance benefits from income tax is that doing so will generate significant revenue that can be used to finance an expansion of health coverage. This analysis finds that given the state of insurance markets and current variations in premiums, limiting the current exemption could adversely affect individuals who are already at high risk of losing their health coverage. Evidence suggests that capping the exemption for employment-based health insurance could disproportionately affect workers in small firms, older workers, and wage-earners in industries with high expected claims costs. To avoid putting many families at increased health and financial risk, and to avoid undermining employer-sponsored group coverage, any consideration of a cap would have to be combined with coverage for all, changes in insurance market rules, and shared responsibility for financing.

  15. MODEL PERAMALAN KONSUMSI BAHAN BAKAR JENIS PREMIUM DI INDONESIA DENGAN REGRESI LINIER BERGANDA

    Directory of Open Access Journals (Sweden)

    Farizal

    2014-12-01

    Full Text Available Energy consumption forecasting, especially premium, is an integral part of energy management. Premium is a type of energy that receives government subsidy. Unfortunately, premium forecastings being performed have considerable high error resulting difficulties on reaching planned subsidy target and exploding the amount. In this study forecasting was conducted using multilinear regression (MLR method with ten candidate predictor variables. The result shows that only four variables which are inflation, selling price disparity between pertamanx and premium, economic growth rate, and the number of car, dictate premium consumption. Analsys on the MLR model indicates that the model has a considerable low error with the mean absolute percentage error (MAPE of 5.18%. The model has been used to predict 2013 primium consumption with 1.05% of error. The model predicted that 2013 premium consumption was 29.56 million kiloliter, while the reality was 29.26 million kiloliter.

  16. COMPLEX PROCESSING TECHNOLOGY OF TOMATO RAW MATERIALS

    Directory of Open Access Journals (Sweden)

    A. M. Gadzhieva

    2015-01-01

    Full Text Available Tomatoes grown in the central and southern parts of the country, which contain 5-6 % of solids, including 0.13 % of pectin, 0.86 % of fat, 0.5 % of organic acids; 0.5 % minerals, etc. were used as a subject of research. These tomatoes, grown in the mountains, on soils with high salinity, contain high amounts of valuable components and have a long-term preservation. For the extraction of valuable components from dried tomato pomace CO2 extraction method was applied. Technological and environmental feasibility of tomatoes stage drying in the atmosphere of inert gas in solar dry kiln were evaluated; production scheme of dried tomatoes is improved; a system for tomato pomace drying is developed; a production scheme of powders of pulp, skin and seeds of tomatoes is developed. Combined method of tomato pomace drying involves the simultaneous use of the electromagnetic field of low and ultra-high frequency and blowing product surface with hot nitrogen. Conducting the drying process in an inert gas atmosphere of nitrogen intensified the process of moisture removing from tomatoes. The expediency of using tomato powder as enriching additive was proved. Based on the study of the chemical composition of the tomato powder made from Dagestan varieties of tomatoes, and on the organoleptic evaluation and physico-chemical studies of finished products, we have proved the best degree of recoverability of tomato powder during the production of reconstituted juice and tomato beverages.

  17. Liquid chromatographic determination of beta-naphthoxyacetic acid in tomatoes.

    Science.gov (United States)

    Gökmen, V; Acar, J

    1998-03-06

    An alternative high-performance liquid chromatographic method for the determination of beta-naphthoxyacetic acid (BNOA) in tomatoes is described. BNOA was extracted from tomatoes with acetone-dichloromethane (2:1). The extract was cleaned up by Bio-Beads S-X3 gel-permeation chromatography and by partitioning. A reversed-phase C18 column was used for HPLC analysis. The mobile phase was acetonitrile-2% acetic acid in water (50:50, v/v) pumped at a flow-rate of 1.0 ml/min. Retention time of BNOA was ca. 7 min with a percentage coefficient of variation of 0.71. Resolution of BNOA was good on the column. Percentage recoveries of BNOA were 79.5 +/- 6.82, 94.8 +/- 2.70 and 86.4 +/- 16.43 for the corresponding spiking levels of 0.5, 1.0 and 2.0 micrograms per g tomato, respectively. Analysis of 10 greenhouse tomato samples from local markets in Ankara showed no BNOA residue.

  18. Market skewness risk and the cross section of stock returns

    DEFF Research Database (Denmark)

    Chang, B.Y.; Christoffersen, Peter; Jacobs, K.

    2013-01-01

    The cross section of stock returns has substantial exposure to risk captured by higher moments of market returns. We estimate these moments from daily Standard & Poor's 500 index option data. The resulting time series of factors are genuinely conditional and forward-looking. Stocks with high...... exposure to innovations in implied market skewness exhibit low returns on average. The results are robust to various permutations of the empirical setup. The market skewness risk premium is statistically and economically significant and cannot be explained by other common risk factors such as the market...... excess return or the size, book-to-market, momentum, and market volatility factors, or by firm characteristics....

  19. Foreign Exchange Risk Premium; Does Fiscal Policy Matter? Evidence From Italian Data

    OpenAIRE

    Lorenzo Giorgianni

    1997-01-01

    This paper challenges the conventional view that foreign exchange risk premiums are small, not volatile, and unrelated to macroeconomic variables. For the Italian lira (1987-94), unconditional risk premiums—constructed using survey data to measure exchange rate expectations—are found to be sizable (relative to the dimension of the forward premium), highly volatile (relative to the variability of the forward bias), and predictable. Estimation of structural models of the risk premium suggests t...

  20. Carbon footprint of premium quality export bananas: case study in Ecuador, the world's largest exporter.

    Science.gov (United States)

    Iriarte, Alfredo; Almeida, Maria Gabriela; Villalobos, Pablo

    2014-02-15

    Nowadays, the new international market demands challenge the food producing countries to include the measurement of the environmental impact generated along the production process for their products. In order to comply with the environmentally responsible market requests the measurement of the greenhouse gas emissions of Ecuadorian agricultural goods has been promoted employing the carbon footprint concept. Ecuador is the largest exporter of bananas in the world. Within this context, this study is a first assessment of the carbon footprint of the Ecuadorian premium export banana (Musa AAA) using a considerable amount of field data. The system boundaries considered from agricultural production to delivery in a European destination port. The data collected over three years permitted identifying the hot spot stages. For the calculation, the CCaLC V3.0 software developed by the University of Manchester is used. The carbon footprint of the Ecuadorian export banana ranged from 0.45 to 1.04 kg CO2-equivalent/kg banana depending on the international overseas transport employed. The principal contributors to the carbon footprint are the on farm production and overseas transport stages. Mitigation and reduction strategies were suggested for the main emission sources in order to achieve sustainable banana production. Copyright © 2013 Elsevier B.V. All rights reserved.

  1. Traps and trap placement may affect location of brown marmorated stink bug (Hemiptera: Pentatomidae) and increase injury to tomato fruits in home gardens.

    Science.gov (United States)

    Sargent, Chris; Martinson, Holly M; Raupp, Michael J

    2014-04-01

    The invasive brown marmorated stink bug, Halyomorpha halys (Stål) (Hemiptera: Pentatomidae), is an important pest of field crops, fruit orchards, commercial vegetables, ornamental plants, and home vegetable gardens. Pheromone-baited traps designed to attract, trap, and kill H. halys are marketed for use in home gardens to reduce damage to plants. To test this assertion, we conducted the following experiment: One group of 15 gardeners placed stink bug traps at the end of a row of tomatoes, Solanum lycopersicum (L.), in their vegetable garden and another group of 14 placed no traps in their garden and served as controls. Gardeners with traps were no more or less likely to have H. halys on tomato plants than those without traps, but the abundance of H. halys on tomato fruits was marginally greater in gardens with traps. However, tomato fruits grown in gardens with traps sustained significantly more injury than tomato fruits grown in gardens without traps. Furthermore, tomato fruits on plants near the trap housed more H. halys than tomato fruits on plants at the end of a row away from the trap. Traps may be useful in identifying gardens where H. halys is likely to be found and ones in which stink bug injury to tomatoes is likely. We found no evidence that stink bug traps protected tomatoes from H. halys, and it appears that the addition of traps to gardens may increase injury to tomato fruits.

  2. Do "premium" joint implants add value?: analysis of high cost joint implants in a community registry.

    Science.gov (United States)

    Gioe, Terence J; Sharma, Amit; Tatman, Penny; Mehle, Susan

    2011-01-01

    Numerous joint implant options of varying cost are available to the surgeon, but it is unclear whether more costly implants add value in terms of function or longevity. We evaluated registry survival of higher-cost "premium" knee and hip components compared to lower-priced standard components. Premium TKA components were defined as mobile-bearing designs, high-flexion designs, oxidized-zirconium designs, those including moderately crosslinked polyethylene inserts, or some combination. Premium THAs included ceramic-on-ceramic, metal-on-metal, and ceramic-on-highly crosslinked polyethylene designs. We compared 3462 standard TKAs to 2806 premium TKAs and 868 standard THAs to 1311 premium THAs using standard statistical methods. The cost of the premium implants was on average approximately $1000 higher than the standard implants. There was no difference in the cumulative revision rate at 7-8 years between premium and standard TKAs or THAs. In this time frame, premium implants did not demonstrate better survival than standard implants. Revision indications for TKA did not differ, and infection and instability remained contributors. Longer followup is necessary to demonstrate whether premium implants add value in younger patient groups. Level III, therapeutic study. See Guidelines for Authors for a complete description of levels of evidence.

  3. Bacterial canker resistance in tomato

    OpenAIRE

    Sen, Y.

    2014-01-01

    Clavibacter michiganensis subsp. michiganensis (Cmm) is the pathogen causing bacterial  canker in tomato. The disease was described for the first time in 1910 in Michigan, USA. Cmmis considered the most harmful bacteria threatening tomato. Disease transmission occurs via seed and symptoms become visible at least 20 days after infection. Due to its complex strategy and transmission, Cmm is under quarantine regulation in EU and other countries. There is no method to stop disease progress i...

  4. 7 CFR 980.501 - Safeguard procedures for potatoes, onions, and tomatoes exempt from grade, size, quality, and...

    Science.gov (United States)

    2010-01-01

    ... “Importer's Exempt Commodity Form” to the U.S. Customs Service Regional Director or District Director, as... Regulations of the Department of Agriculture (Continued) AGRICULTURAL MARKETING SERVICE (Marketing Agreements... relief agencies; (2) Potatoes, onions, or tomatoes for processing; (3) Potatoes or onions for...

  5. Let's Do It Again: Bagging Equity Premium Predictors

    DEFF Research Database (Denmark)

    Hillebrand, Eric Tobias; Lee, Tae-Hwy; Medeiros, Marcelo C.

    of the regression coefficient and positivity of the forecast. Bagging constrained estimators can have smaller asymptotic mean-squared prediction errors than forecasts from a restricted model without bagging. Monte Carlo simulations show that forecast gains can be achieved in realistic sample sizes for the stock...... return problem. In an empirical application using the data set of Campbell, J., and S. Thompson (2008): “Predicting the Equity Premium Out of Sample: Can Anything Beat the Historical Average?”, Review of Financial Studies 21, 1511-1531, we show that we can improve the forecast performance further...

  6. Ion exchange properties of Wyodak premium coal samples

    Energy Technology Data Exchange (ETDEWEB)

    Vorres, K.S.

    1993-08-23

    Low rank coals (lignite and subbituminous) contain exchangeable cations. A sample of {minus}20+200 mesh Argonne Premium Wyodak coal was washed with nitric acid in a burette fitted with a coarse glass frit at the base of the graduations to remove the exchangeable cations from the system. The eluent was passed to a flow-through pH electrode and a titration curve was obtained on a computer file. A series of electrodes (pH, calcium, sodium and potassium) were used in separate experiments to follow the elution from the coal. Some implications for coal structure are also indicated.

  7. Country risk premium: theoretical determinants and empirical evidence for latin american countries

    Directory of Open Access Journals (Sweden)

    Selmo Aronovich

    1999-12-01

    Full Text Available This paper investigates the behavior of the country risk premium for Argentina, Brazil and Mexico, from June 1997 to September 1998. It shows that the level of country risk premium is determined by different factors: the US dollar bond market structure; restrictions on the acquisition of emerging market bonds imposed by developed nations regulators; the credit risk measured by the notion of implied risk-neutral probability default; the different ways agents react to country risk due to asymmetric and imperfect information. The empirical investigation shows: the worse the country credit rating, the greater is the impact on international borrowing cost, which implies that negative expectations have greater impact on lower rated Latin American nations' bonds; country risk yield spreads overreacted to changes in the US dollar interest rates in the sample period.Este artigo investiga o comportamento do conceito de prêmio de risco-país para Argentina, Brasil e México, de junho de 1997 até setembro de 1998. Mostra-se que tal prêmio é determinado pelos seguintes fatores: a estrutura do mercado de títulos de dívida em dólares norte-americanos; as restrições à aquisição de títulos de dívida impostas por agentes reguladores de países desenvolvidos; o risco de crédito mensurado pelo conceito de probabilidade de inadimplência risco-nêutra implícita; o modo como os agentes reagem à informação assimétrica ou imperfeita. A evidência empírica revela que: quanto pior a classificação de risco de crédito, maior é o impacto esperado sobre as condições de captação externa, implicando que expectativas desfavoráveis afetam de forma mais acentuada países com baixa classificação de crédito; o valor do spread representativo do risco-país mostrou-se superelástico à variação da taxa de juros de longo prazo do Tesouro norte-americano no período da amostra.

  8. Effects of nutrient content claims, sports celebrity endorsements and premium offers on pre-adolescent children's food preferences: experimental research.

    Science.gov (United States)

    Dixon, H; Scully, M; Niven, P; Kelly, B; Chapman, K; Donovan, R; Martin, J; Baur, L A; Crawford, D; Wakefield, M

    2014-04-01

    To assess pre-adolescent children's responses to common child-oriented front-of-pack food promotions. Between-subjects, web-based experiment with four front-of-pack promotion conditions on energy-dense and nutrient-poor (EDNP) foods: no promotion [control]; nutrient content claims; sports celebrity endorsements (male athletes) and premium offers. Participants were 1302 grade 5 and 6 children (mean age 11 years) from Melbourne, Australia. Participants chose their preferred product from a randomly assigned EDNP food pack and comparable healthier food pack then completed detailed product ratings. Child-oriented pack designs with colourful, cartooned graphics, fonts and promotions were used. Compared to the control condition, children were more likely to choose EDNP products featuring nutrient content claims (both genders) and sports celebrity endorsements (boys only). Perceptions of nutritional content were enhanced by nutrient content claims. Effects of promotions on some product ratings (but not choice) were negated when children referred to the nutrition information panel. Premium offers did not enhance children's product ratings or choice. Nutrient content claims and sports celebrity endorsements influence pre-adolescent children's preferences towards EDNP food products displaying them. Policy interventions to reduce the impact of unhealthy food marketing to children should limit the use of these promotions. © 2013 The Authors. Pediatric Obesity © 2013 International Association for the Study of Obesity.

  9. Singular boundary value problem for the integrodifferential equation in an insurance model with stochastic premiums: Analysis and numerical solution

    Science.gov (United States)

    Belkina, T. A.; Konyukhova, N. B.; Kurochkin, S. V.

    2012-10-01

    A singular boundary value problem for a second-order linear integrodifferential equation with Volterra and non-Volterra integral operators is formulated and analyzed. The equation is defined on ℝ+, has a weak singularity at zero and a strong singularity at infinity, and depends on several positive parameters. Under natural constraints on the coefficients of the equation, existence and uniqueness theorems for this problem with given limit boundary conditions at singular points are proved, asymptotic representations of the solution are given, and an algorithm for its numerical determination is described. Numerical computations are performed and their interpretation is given. The problem arises in the study of the survival probability of an insurance company over infinite time (as a function of its initial surplus) in a dynamic insurance model that is a modification of the classical Cramer-Lundberg model with a stochastic process rate of premium under a certain investment strategy in the financial market. A comparative analysis of the results with those produced by the model with deterministic premiums is given.

  10. Price dispersion in neighboring countries in the Western Balkans - the case of the Macedonian tomato industry

    Directory of Open Access Journals (Sweden)

    Blazhe JORDANOV

    2013-03-01

    Full Text Available The aim of this paper was to analyze the degree of change in price and co- movement of prices between markets. The distinctiveness of the study is that it introduced a single product (highly perishable product price relationship analysis between a pair of spatially separated markets in the countries of the Western Balkan. This study attempts to comprehend to what extent the Macedonian domestic market is integrated into the regional markets, as well as to understand the relationship between the spatially separated regional markets. The data refer to the domestic Macedonian market and four different regional markets (Croatia, Serbia, Kosovo and Montenegro, as major importers of Macedonian fresh tomatoes. These countries were part of a common market until the 1990s and in the past period transited to a market economy. The method used is common time series analysis through unit root test, co-integration test and causality test. The study showed that the Macedonian economy, especially in terms of the tomato industry, is highly vulnerable and dependant on external markets. Future developments do not only depend upon the advances in the country, but also on developments in the export destinations. This also applies to the other concerned countries in the regions. The main finding is that a small country such as Macedonia is absorbed by developments in other countries in the region. This finding is supported by the results of the study that demonstrated a high level of co-integration between the domestic and regional markets.

  11. 5 CFR 550.107 - Premium payments capped on a biweekly basis when an annual limitation otherwise applies.

    Science.gov (United States)

    2010-01-01

    ... OFFICE OF PERSONNEL MANAGEMENT CIVIL SERVICE REGULATIONS PAY ADMINISTRATION (GENERAL) Premium Pay Maximum Earnings Limitations § 550.107 Premium payments capped on a biweekly basis when an annual...

  12. Optimal dynamic premium control in non-life insurance. Maximizing dividend pay-outs

    DEFF Research Database (Denmark)

    Højgaard, Bjarne

    2002-01-01

    In this paper we consider the problem of finding optimal dynamic premium policies in non-life insurance. The reserve of a company is modeled using the classical Cramér-Lundberg model with premium rates calculated via the expected value principle. The company controls dynamically the relative safety...

  13. Insurance premium reductions. A motivating factor in long-term hypertensive treatment.

    Science.gov (United States)

    Moser, M; Rafter, J; Gajewski, J

    1984-02-10

    Elevated blood pressure substantially increases mortality and requires, therefore, high premium payments for life insurance coverage. Most life insurance companies are willing to reduce the cost of yearly premiums when blood pressure is successfully treated and controlled for several years. Physicians should bring these facts to their patients' attention as a motivating factor to improve adherence to therapy.

  14. 42 CFR 408.112 - Refund of excess premiums after the enrollee dies.

    Science.gov (United States)

    2010-10-01

    ... after the enrollee dies. If CMS has received premiums for months after the enrollee's death, CMS refunds... made under paragraph (a) of this section, CMS refunds the premiums to the enrollee's survivors in the... security or railroad retirement benefits on the basis of the same earnings record as the...

  15. Effects of tort reforms and other factors on medical malpractice insurance premiums.

    Science.gov (United States)

    Zuckerman, S; Bovbjerg, R R; Sloan, F

    1990-01-01

    We use state-level data on physician malpractice premiums, claims, and awards, provided by insurance companies for the years 1974 to 1986, to evaluate the effectiveness of the various tort reforms that have been legislated during the 1970s and 1980s. In addition to the tort reforms, our analysis of premiums considers insurers' anticipated losses, returns on investments, the type of insurer, and premium regulation. Our results suggest that the only reforms that significantly lower premiums are those that either impose a cap on the amount of physician liability or reduce the amount of time a plaintiff has to initiate a claim. We also find that premiums are lower when states regulate rates by requiring prior approval of premiums. In addition, it appears that the observed cyclicality in premiums is due, in part, to fluctuations in the real interest rates available to insurers as returns on investments. Unfortunately, we did not find as strong a link between the determinants of premiums, claims, and awards as might be expected.

  16. 24 CFR 203.319 - Pro rata payment of premiums and charges.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Pro rata payment of premiums and... § 203.319 Pro rata payment of premiums and charges. No contract of insurance shall be terminated until the mortgagee has paid to the Commissioner the pro rata portion of the current annual MIP or...

  17. 24 CFR 232.825 - Pro rata refund of insurance premium.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Pro rata refund of insurance... ASSISTED LIVING FACILITIES Contract Rights and Obligations Premiums § 232.825 Pro rata refund of insurance... rata portion of the current annual loan insurance premium theretofore paid which is applicable to...

  18. 24 CFR 266.608 - Mortgage insurance premium: Pro rata refund.

    Science.gov (United States)

    2010-04-01

    ... rata refund. 266.608 Section 266.608 Housing and Urban Development Regulations Relating to Housing and... premium: Pro rata refund. If the Contract of Insurance is terminated by payment in full or is terminated... account. In computing the pro rata portion of the annual mortgage insurance premium, the date...

  19. 24 CFR 241.825 - Pro rata refund of insurance premium.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Pro rata refund of insurance... Projects Without a HUD-Insured or HUD-Held Mortgage Premiums § 241.825 Pro rata refund of insurance premium... Commissioner shall refund to the lender for the account of the borrower an amount equal to the pro rata...

  20. Carotenes in processed tomato after thermal treatment

    NARCIS (Netherlands)

    Luterotti, S.; Bicanic, D.D.; Markovic, K.; Franko, M.

    2015-01-01

    This report adds to the ongoing vivid dispute on the fate of carotenes in tomato upon thermal processing. Although many papers dealing with changes in the raw tomatoes during industrial treatment have already appeared, data on the fate of finished, processed tomato products when they are additionall

  1. 21 CFR 156.145 - Tomato juice.

    Science.gov (United States)

    2010-04-01

    ... 21 Food and Drugs 2 2010-04-01 2010-04-01 false Tomato juice. 156.145 Section 156.145 Food and... CONSUMPTION VEGETABLE JUICES Requirements for Specific Standardized Vegetable Juices § 156.145 Tomato juice. (a) Identity—(1) Definition. Tomato juice is the food intended for direct consumption, obtained...

  2. Screening for new sources of resistance to Clavibacter michiganensis subsp. michiganensis (Cmm) in tomato

    NARCIS (Netherlands)

    Sen, Y.; Zhu, F.; Vandenbroucke, H.; Wolf, van der J.M.; Visser, R.G.F.; Heusden, van A.W.

    2013-01-01

    Bacterial canker of tomato, caused by Clavibacter michiganensis subsp. michiganensis (Cmm), is considered the most serious bacterial threat, resulting in high damages in production areas. Worldwide, Cmm is subjected to quarantine regulations.There is no cultivar in market containing Cmm resistance

  3. Influence of Inter-Intra Row Spacing on Yield Losses of Tomato ...

    African Journals Online (AJOL)

    Field experiment was carried out at Melkassa Agricultural Research Center in 2012 and 2013 off-seasons using ... Inter and intra row spacings influence the production and productivity of tomato. Both ..... To obtain high marketable yield and quality fruit further study need to ... American phytopathological society. 74: PP.

  4. Qualitative and nutritional differences in processing tomatoes grown under commercial organic and conventional production systems.

    Science.gov (United States)

    Barrett, D M; Weakley, C; Diaz, J V; Watnik, M

    2007-11-01

    Organically grown products experienced a doubling in percent penetration of organic sales into retail markets during the period from 1997 to 2003; however, there is still a debate over the perceived quality advantage of organically grown fruits and vegetables. In a study focusing on commercial production of processing tomatoes, samples were analyzed from 4 growers with matched organic and conventional fields. For the 4 growers studied, individual analysis of variance results indicated that tomato juice prepared from organically produced tomatoes on some farms was significantly higher in soluble solids ( degrees Brix), higher in consistency, and titratable acidity, but lower in red color, ascorbic acid, and total phenolics content in the microwaved juice. Results were significantly different among specific growers, and this may be attributed to differences in soil type and soil nutrients, tomato cultivar, environmental conditions, or other production-related factors. Higher levels of soluble solids, titratable acidity, and consistency are desirable for the production of tomato paste, in that tomatoes with these attributes may be more flavorful and require less thermal treatment. This has the potential to result both in cost savings from less energy required in paste manufacture and potentially a higher quality product due to less thermal degradation of color, flavor, and nutrients. Future work may involve a larger number of commercial growers and correlation to controlled university research plots.

  5. Relationship between Tomato yellow leaf curl viruses and the whitefly vector.

    Science.gov (United States)

    Ssekyewa, Charles; Van Damme, Patrick L J; Hofte, Monica

    2007-01-01

    Tomato Yellow Leaf Curl Virus (TYLCV) and Tomato Leaf Curl Virus (ToLCV) are the currently known begomoviruses in Uganda. The relationship with their whiteflies (Bemisia tabaci) vector and its management were not known in Uganda. A direct relationship was expected between these begomoviruses and whiteflies at Buwama in Mpigi district of Uganda. Farmer practices were expected to have limited efficacy. To investigate this, a completely randomised block design was used for all trials with six treatments replicated three times. Treatments evaluated were farmer whitefly pest management practices. These included both chemical pesticide and non-pesticide applications. Data on whitefly population and tomato yellow leaf curl virus disease incidence was recorded weekly, and analysed using SAS and SPSS statistical programmes for ANOVA, and correlations. Ranked means, coefficients of variation and standard errors were noted. Virus-vector relationship field studies established that virus occurrence varied in space and time, and with management practices, crop development stage, and weather conditions. A negative relationship (R = -0.14, p 0.04) was established between number of plants infected with TYLCV (sensu lato) and percentage marketable tomato yield. Tomato maturity was inversely propotional to whitefly infestation (R = -0.5, p 0.0001). Uprooting and application of dimethoate was most effective of the six treatments. Tomato leaf curl virus diseases and whitefly management options were established in Uganda.

  6. Clean, premium-quality chars: Demineralized and carbon enriched

    Energy Technology Data Exchange (ETDEWEB)

    Smith, G.V.

    1992-01-03

    The goal of this project is to develop a bench-scale procedure to produce clean, desulfurized, premium-quality chars from the Illinois basin coals. This goal is achieved by utilizing the effective capabilty of smectites in combination with methane to manipulate the char yields. The major objectives are: to determine the optimum water- ground particle size for the maximum reduction of pyrite and minerals by the selective-bitumen agglomeration process; to evaluate the type of smectite and its interlamellar cation which enhances the premium-quality char yields; to find the mode of dispersion of smectites in clean coal which retards the agglomeration of char during mild gasification; to probe the conditions that maximize the desulfurized clean-char yields under a combination of methane+oxygen or helium+oxygen; to characterize and accomplish a material balance of chars, liquids, and gases produced during mild gasification; to identify the conditions which reject dehydrated smectites from char by the gravitational separation technique; and to determine the optimum seeding of chars with polymerized maltene for flammability and transportation.

  7. New Evidence Against a Causal Marriage Wage Premium.

    Science.gov (United States)

    Killewald, Alexandra; Lundberg, Ian

    2017-06-01

    Recent research has shown that men's wages rise more rapidly than expected prior to marriage, but interpretations diverge on whether this indicates selection or a causal effect of anticipating marriage. We seek to adjudicate this debate by bringing together literatures on (1) the male marriage wage premium; (2) selection into marriage based on men's economic circumstances; and (3) the transition to adulthood, during which both union formation and unusually rapid improvements in work outcomes often occur. Using data from the National Longitudinal Survey of Youth 1979, we evaluate these perspectives. We show that wage declines predate rather than follow divorce, indicating no evidence that staying married benefits men's wages. We find that older grooms experience no unusual wage patterns at marriage, suggesting that the observed marriage premium may simply reflect co-occurrence with the transition to adulthood for younger grooms. We show that men entering shotgun marriages experience similar premarital wage gains as other grooms, casting doubt on the claim that anticipation of marriage drives wage increases. We conclude that the observed wage patterns are most consistent with men marrying when their wages are already rising more rapidly than expected and divorcing when their wages are already falling, with no additional causal effect of marriage on wages.

  8. Empirical dynamics of emerging financial markets during the global mortgage crisis

    Directory of Open Access Journals (Sweden)

    Rahmi Erdem Aktuğ

    2015-03-01

    Full Text Available Focusing on five major emerging markets, I investigate the interactions between credit default swap premiums, foreign exchange rates, local currency government bond spreads, and national stock market returns over the period 4/2/2007 to 8/27/2009. Empirical analysis indicates that bond markets, along with foreign exchange markets, were very dominant in the price discovery process during a common distressed period.

  9. Analysis on Premium Adjustment Mechanism of Critical Illness Insurance in China%我国重大疾病保险保费调整机制研究

    Institute of Scientific and Technical Information of China (English)

    马绍东; 李成刚; 陈阳

    2014-01-01

    Objective: By constructing the cash flow model, it proposed the premium adjustment mechanism of critical illness insurance(CII). Methods: Based on the practical data of critical illness insurance in China, it established some actuarial assumptions and cash flow model to simulate and analyze premium adjustment mechanism of CII. Results: ( 1) Because of the deterioration of critical illness incidence rate and the change of market interest rates , CII guaranteed premium usually resents pricing risk, which showed that the cash flow is negative, sometimes accumulated cash is negative; (2) based on the criteria of insurance cost adjustment, it is suggested that when the loss rate reached more than 70%, which could permit the insurance company adjust the premium, if the loss rate reached more than 80%, it needs to compulsory the insurance companies to adjust premium. Conclusion: The study proposes the mechanism of CII premium adjustment, provides guidance for practice.%目的:通过构建现金流量模型提出我国重大疾病保险保费调整机制。方法:采用中国重大疾病保险实践数据,建立恰当的精算假设与现金流量模型,对中国重大疾病保险的保费调整进行模拟分析。结果:(1)由于重大疾病发生率的恶化及市场利率的变化,重大疾病保险保证保费通常存在定价不足风险,表现为保险期内当年现金流出现负值,部分情景下累积现金流出现负值;(2)在保费调整的准则上,建议当损失率达到70%以上时,可允许保险公司进行保费调整,若损失率达到80%以上时,必需强制保险公司进行保费调整。结论:本研究提出了重大疾病保险保费调整的机制,为实践提供指导。

  10. Senescence of rin, rin/rin, rin/+ and +/+ tomato fruits

    Directory of Open Access Journals (Sweden)

    Zdravković Jasmina

    2004-01-01

    Full Text Available Ripening inhibitor (rin gene is a spontaneous recessive mutant which changes fruit ripening aspects (most important synthesis of carotene, especially lycopene. It also delays fruit senescence. Tomato is a vegetable crop with specific maturing climax (pik. Tomato genotypes homozygote for rin gene does not have this maturing climax, so the ethyl-ene production and red, lycopene colour does not appear. In order to research the maturing process material from the final tomato selection cycle we used: pure line S-49 (genetic constitution u/u, with uniform ripening, line hom 4 (rin/rin, homozygote with ripening inhibitor and hybrid combination 449 Fl (u/rin, heterozygote for ripening inhibitor. Fruits with uniform ripening and hybrids ripened simultaneously, while homozygote with rin gene did not ripe at all. Ethylene stimulates the appearance of yellow colour in rin fruits and the lycopene production. After treatment with ETEPHONE (0.1% (Ethylene fruits with uniform ripening, senescence more quickly, while hybrids senescence slowly. Rin homozygotes did not change colors, but the fruits senescence more quickly comparing to control. Ethylene treatment speeded the maturing and senescence process in tomato fruits. Extended maturing process as a result influence of rin gene, makes the new created hybrids a late maturing ones. On the other hand, the firmness of fruits is improved as well as the "shelf life", which enables longer transportation and storing, coordinated maturing according to market demands. The aim was to research the maturing according to market demands. The aim was to research the maturing process of rin heteroyzgote, and the reaction of some genotypes to treatment with RT-REL (Ethzlene in order to decrease extremely late maturing.

  11. Viabilidade técnica e econômica da caixa Embrapa para comercialização de tomate para consumo in natura Technical and economic viability of the Embrapa crate for marketing of fresh tomatoes

    Directory of Open Access Journals (Sweden)

    Nirlene J. Vilela

    2002-06-01

    Full Text Available Foram avaliadas as vantagens econômicas da nova embalagem desenvolvida pela Embrapa Hortaliças para comercialização de tomate para consumo in natura. A caixa tipo "K", embalagem mais usada no Brasil, tem grande número de características indesejáveis. Considerando os problemas da caixa tipo "K" e o alto índice de perdas pós-colheita na cadeia produtiva de hortaliças, a Embrapa Hortaliças iniciou um programa de pesquisa para o desenvolvimento de uma nova embalagem para tomate. O trabalho culminou com a definição da nova embalagem de plástico nomeada caixa Embrapa. Além de outras vantagens técnicas a nova embalagem, comparada com a caixa tipo "K", apresentou redução de perdas pós colheita (17%, considerando a conservação e integridade dos frutos. Para um horizonte de 5 anos, os indicadores econômicos para ambas embalagens, mostraram viabilidade econômica superior para a caixa Embrapa, sendo o valor presente líquido de, aproximadamente, R$ 60,7 mil e R$ 90,0 mil para a caixa tipo "K" e Caixa Embrapa, respectivamente. A taxa de benefício/custo foi de 4,80 e 7,80 para a caixa tipo "K" e caixa Embrapa, respectivamente. Considerando preços correntes e custos totais, a caixa Embrapa apresentou-se técnica e economicamente viável.The economic advantages of a new crate developed for commercialization of fresh tomatoes was evaluated. The Box type "K", name of the package for fresh vegetables crops mostly employed in Brazil, has many undesirables features. Considering the problems of box type "K" and the high index of post harvest losses in the production chain of vegetables, Embrapa Hortaliças started a research program focusing on the development of a new container for fresh tomatoes. This work ended with the adaptation of a new crate model made of plastic. This Embrapa crate showed comparative physical advantages of approximately 17% reduction in postharvest losses when compared to the box type K, considering conservation and

  12. Tomato plant inheritance of antixenotic resistance to tomato leafminer

    Directory of Open Access Journals (Sweden)

    Adilson de Castro Antônio

    2011-01-01

    Full Text Available The objective of this work was to determine the inheritance of resistance by antixenosis in tomato plants (Lycopersicon esculentum to tomato leafminer [Tuta absoluta (Lepidoptera: Gelechiidae]. Evaluations were performed for tomato plants of the generations P1, P2, F1, F2, RC1 and RC2. The measured characteristic in the parents, BGH-1497 (P2 male and 'Santa Clara' (P1 female, and in the F1, F2, RC1 and RC2 generations was the number of eggs per plant. This number was converted to the oviposition nonpreference index. The inheritance of antixenosis resistance of genotype BGH-1497 is ruled by a gene of greater effect and polygenes in epistatic interactions, with a phenotypic proportion of 13:3 between susceptible and resistant genotypes, respectively.

  13. PENGARUH KEBIJAKAN HARGA BBM, JUMLAH SEPEDA MOTOR, PENDAPATAN PERKAPITA TERHADAP KONSUMSI PREMIUM

    Directory of Open Access Journals (Sweden)

    Tri Atmojo

    2017-06-01

    Full Text Available Konsumsi BBM di Indonesia semakin meningkat karena meningkatnya pendapatan masyarakat, jumlah kendaraan bermotor di Indonesia. Tujuan dari penelitian ini adalah untuk mengetahui pengaruh kebijakan harga BBM, kendaraan bermotor (motor, pendapatan perkapita terhadap konsumsi BBM (Premium. Objek penelitian ini adalah konsumsi BBM di Republik Indonesia kurun waktu 1985-2014. Penelitian ini menggunakan desain penelitian dengan pendekatan kuantitatif. Analisis data menggunakan analisis Regresi Linier Berganda dengan metode Ordinary Least Square (OLS. Berdasarkan hasil penelitian dapat disimpulkan bahwa kebijakan harga berpengaruh signifikan terhadap konsumsi premium, pendapatan per kapita  berpengaruh positif terhadap konsumsi premium, jumlah sepeda motor berpengaruh positif terhadap konsumsi premium, serta harga BBM, pendapatan perkapita, dan jumlah sepeda motor secara serentak berpengaruh positif terhadap konsumsi premium. Fuel consumption in Indonesia is increasing due to rising incomes, the number of motor vehicles in Indonesia. The purpose of this study was to determine the effect of fuel price policy, motor vehicles (motorcycles, per capita income on the consumption of fuel (Premium. The object of this study is the fuel consumption in the Republic of Indonesia period 1985-2014. The design of this research study with a quantitative approach. Analyzed using Multiple Linear Regression Ordinary Least Square method (OLS. Based on the results of this study concluded that the pricing policies have a significant effect on the consumption of premium, per capita income has positive influence on consumption of premium, the number of motorcycles positive effect on premium consumption, as well as fuel prices, per capita income, and the number of motorcycles simultaneously positive effect on consumption of premium.

  14. 38 CFR 8.26 - Renewal of National Service Life Insurance on the 5-year level premium term plan.

    Science.gov (United States)

    2010-07-01

    ... Service Life Insurance on the 5-year level premium term plan. 8.26 Section 8.26 Pensions, Bonuses, and... § 8.26 Renewal of National Service Life Insurance on the 5-year level premium term plan. (a) Effective July 23, 1953, all or any part of National Service Life Insurance on the 5-year level premium term plan...

  15. Capture market share, raise prices

    Directory of Open Access Journals (Sweden)

    Robbins RA

    2015-08-01

    Full Text Available No abstract available. Article truncated after 150 words. Two principles in medical economics central to the Affordable Care Act (ACA were dealt blows by recently published studies. The first principle is the belief that economies of scale will result in lower prices. The theory is that larger insurers will have lower prices because they are more administratively efficient. The second principle is that provider-owned health plans, usually hospitals, will reduce premiums. The theory is that by controlling doctors over charging health plans in a fee-for-service model will lower prices. The first study published in Technology Science found that the largest insurer in each of the states served by HealthCare.gov raised their prices in 2015 by an average of over 10 per cent compared to smaller competitors in the same market (1. Those steeper price hikes for monthly premiums did not seem warranted by the level of health claims which did not significantly differ as a percentage of premiums ...

  16. The importance of cigarette packaging in a 'dark' market: the 'Silk Cut' experience.

    Science.gov (United States)

    Moodie, Crawford; Angus, Kathryn; Ford, Allison

    2014-05-01

    In a growing number of countries tobacco companies are severely restricted in how they can legally market their products. In these 'dark' markets the role of packaging as a promotional and communications tool becomes more pronounced. How packaging is used for the most expensive cigarette brands in dark markets has received limited attention however, even though these 'premium' cigarette brands significantly impact upon the profitability of tobacco companies. We outline, using retail trade press journals, how packaging was used for premium brand 'Silk Cut' in the UK from 2004 to 2011, following a comprehensive ban on tobacco advertising, promotions and sponsorship. From 2004 to 2008 packaging was used to help launch two new variants and during this period Silk Cut market share of the premium sector grew by 1.1%. Overall share of the cigarette market for the Silk Cut house (brand family) fell however due to the continuing decline of the premium sector. From 2008 to 2011 changes to the packaging were much more frequent, including the repeated use of limited-edition designs, and modifications to pack shape, texture, style of opening, cellophane, foil and inner frame. Silk Cut's share of the premium sector grew a further 2.9% from 2008 to 2011, and overall cigarette market share increased. That a premium brand can report any level of growth within such a hostile market, where most advertising, promotion and sponsorship is banned, taxation is among the highest in the world, and in the midst of a recession, is testament to the value of packaging.

  17. DES-TOMATO: A Knowledge Exploration System Focused On Tomato Species

    KAUST Repository

    Salhi, Adil

    2017-07-14

    Tomato is the most economically important horticultural crop used as a model to study plant biology and particularly fruit development. Knowledge obtained from tomato research initiated improvements in tomato and, being transferrable to other such economically important crops, has led to a surge of tomato-related research and published literature. We developed DES-TOMATO knowledgebase (KB) for exploration of information related to tomato. Information exploration is enabled through terms from 26 dictionaries and combination of these terms. To illustrate the utility of DES-TOMATO, we provide several examples how one can efficiently use this KB to retrieve known or potentially novel information. DES-TOMATO is free for academic and nonprofit users and can be accessed at http://cbrc.kaust.edu.sa/des_tomato/, using any of the mainstream web browsers, including Firefox, Safari and Chrome.

  18. Auxiliary units for refining of high nitrogen content oils: Premium II refinery case

    Energy Technology Data Exchange (ETDEWEB)

    Nicolato, Paolo Contim; Pinotti, Rafael [Petroleo Brasileiro S.A. (PETROBRAS), Rio de Janeiro, RJ (Brazil)

    2012-07-01

    PETROBRAS is constantly investing on its refining park in order to increase the production of clean and stable fuels and to be capable to process heavier oils with high contaminants content. Sulfur and nitrogen are the main heteroatoms present in petroleum. They are responsible for some undesirable fuels properties like corrosivity and instability, and also emit pollutants when burnt. Hydrotreating and hydrocracking processes are designed to remove these contaminants and adjust other fuel properties, generating, as byproduct, sour gases and sour water streams rich in H{sub 2}S and NH{sub 3}, which are usually sent to Sour Water Treatment Units and Sulfur Recovery Units. The regeneration of the amine used for the light streams treatment, as fuel gas and LPG, also generates sour gas streams that must be also sent to Sulfur Recovery Units. As the ammonia content in the sour streams increases, some design parameters must be adjusted to avoid increasing the Refinery emissions. Sulfur Recovery Units must provide proper NH3 destruction. Sour Water Treatment must have a proper segregation between H{sub 2}S and ammonia streams, whenever desirable. Amine Regeneration Systems must have an efficient procedure to avoid the ammonia concentration in the amine solution. This paper presents some solutions usually applied to the Petroleum Industry and analyses some aspects related to Premium II Refinery Project and how its design will help the Brazilian refining park to meet future environmental regulation and market demands. (author)

  19. Discounting in agro-industrial complex. A methodological proposal for risk premium

    Directory of Open Access Journals (Sweden)

    Inmaculada Marques-Perez

    2017-04-01

    Full Text Available The estimation of the discount rate is decisive for a reliable economic valuation. The discount rate has to be adjusted for the risks related to the company, the sector which the company has its market, and the risks related to the investment project. We present a proposal to incorporate the risk premium to the discount rate. The novelty of the methodology is that difference risk groups according to activity as a factor to adjust the cost of capital to companies. The study applies the methodology to the Agro-Industrial Complex (AIC in Spain. The AIC is formed by industries that add value to farming production. This sector’s economic success demands financial management techniques that assess risk. The conventional method responds neither to the heterogeneity of the economic activities that make up the AIC, nor to differentiating risk by groups. The proposed methodology distinguishes activity groups in accordance with the NACE (National Code of Economic Activities and uses net profitability variability to distinguish the risk in each group. Our results demonstrate the various levels of risk per group. The results show that among all the groups that form the AIC there are wide differences between levels of risk; thus, the risk neutral groups present risk levels on the order of 150 times lower than the groups extreme risk levels.

  20. The Impact of Reinsurance Strategies on Capital Requirements for Premium Risk in Insurance

    Directory of Open Access Journals (Sweden)

    Gian Paolo Clemente

    2015-06-01

    Full Text Available New risk-based solvency requirements for insurance companies across European markets have been introduced by Solvency II and will come in force from 1 January 2016. These requirements, derived by a Standard Formula or an Internal Model, will be by far more risk-sensitive than the required solvency margin provided by the current legislation. In this regard, a Partial Internal Model for Premium Risk is developed here for a multi-line Non-Life insurer. We follow a classical approach based on a Collective Risk Model properly extended in order to consider not only the volatility of aggregate claim amounts but also expense volatility. To measure the effect of risk mitigation, suitable reinsurance strategies are pursued. We analyze how naïve coverage as conventional Quota Share and Excess of Loss reinsurance may modify the exact moments of the distribution of technical results. Furthermore, we investigate how alternative choices of commission rates in proportional treaties may affect the variability of distribution. Numerical results are also figured out in the last part of the paper with evidence of different effects for small and large companies. The main reasons for these differences are pointed out.

  1. Equity-premium puzzle: evidence from Brazilian data

    Directory of Open Access Journals (Sweden)

    Rubens Penha Cysne

    2006-06-01

    Full Text Available This paper uses 1992:1-2004:2 quarterly data and two different methods (approximation under lognormality and calibration to evaluate the existence of an equity-premium puzzle in Brazil. In contrast with some previous works in the Brazilian literature, I conclude that the model used by Mehra and Prescott (1985, either with additive or recursive preferences, is not able to satisfactorily rationalize the equity premium observed in the Brazilian data. The second contribution of the paper is calling the attention to the fact that the utility function calculated under the discrete-state approximation may not exist if the data (as it is the case with Brazilian time series implies the existence of states in which high negative rates of consumption growth are attained with relatively high probability. This fact is particularly important when the researcher tries to work with high risk-aversion parameters in order to generate high risk premia.Este trabalho usa dados brasileiros do período 1992:1-2004:2 e dois diferentes métodos (aproximação sob a hipótese de lognormalidade e calibração para avaliar a existência de um "equity-premium puzzle" no Brasil. Em contraste com alguns trabalhos prévios da literatura nacional, conclui-se que o modelo usado por Mehra and Prescott (1985, seja com preferências aditivas ou recursivas, não é capaz de gerar o prêmio de risco observado na economia brasileira. A segunda contribuição do trabalho é chamar a atenção para o fato de que a função utilidade calculada sob a hipótese de aproximação discreta do espaço de estados pode não existir se os dados (como é o caso no Brasil implicarem a existência de estados nos quais taxas altamente negativas de crescimento do consumo são alcançadas com probabilidade demasiado elevadas. Este fato é particularmente importante quando se tenta utilizar parâmetros de aversão ao risco altos o suficiente para gerar o prêmio de risco inerente ao caso brasileiro.

  2. Market Efficiency and the Risks and Returns of Dynamic Trading Strategies with Commodity Futures

    Science.gov (United States)

    Switzer, Lorne N.; Jiang, Hui

    This paper investigates relationships between profits from dynamic trading strategies, risk premium, convenience yields, and net hedging pressures for commodity futures. As a market efficiency study, it crosses a number of disciplines, including traditional finance, behavioral finance, and behavioral psychology. The term structure of oil, gold, copper and soybeans futures markets contains predictive power for the corresponding term premium. However, only oil futures and soybean futures lead their spot premium. Significant momentum profits are identified in both outright futures and spread trading strategies when the spot premium and the term premium are used to form winner and loser portfolios. Profits from active strategies based on winner and loser portfolios are conditioned on market structure and net hedging pressure effects. Dynamic trading strategies based on contracts with extreme backwardation, extreme contango, and extreme hedging pressures are also tested. On average, spread trading outperforms outright futures trading in capturing the term structure risk and hedging pressure risk. For such strategies, long-short the long-term spread offers the greatest and most significant return and it offers the only exploitable trading profits built on the past hedging pressure. The existence of profits from active trading strategies based on winners is consistent with behavioral finance and behavioral psychology models in which market participants irrationally overreact to information and trends.

  3. (Ex-post Equity Risk Premiums and Economic Cycles in Colombia. An Empirical Research Using Kalman and Hodrick-Prescott Filters

    Directory of Open Access Journals (Sweden)

    Andrés Mauricio Gómez Sánchez

    2015-10-01

    Full Text Available (This article investigates the relationship between ex-post Equity Risk Premium (ERP on the Colombian stock market and the economic cycles observed in the country using methodologies based on the Hodrick-Prescott and Kalman filters. Accordingly, a short-term econometric model is put forward for each filter, incorporating monthly data from 2008 to 2014. This reveals better adjustments in the case of the Kalman filter. Furthermore, the models show that the relationship between variables that reflect economic activity and ERP are counter-cyclical but not simultaneous, with a lag of up to two periods.

  4. Pricing behaviour of nonprofit insurers in a weakly competitive social health insurance market.

    Science.gov (United States)

    Douven, Rudy C H M; Schut, Frederik T

    2011-03-01

    In this paper we examine the pricing behaviour of nonprofit health insurers in the Dutch social health insurance market. Since for-profit insurers were not allowed in this market, potential spillover effects from the presence of for-profit insurers on the behaviour of nonprofit insurers were absent. Using a panel data set for all health insurers operating in the Dutch social health insurance market over the period 1996-2004, we estimate a premium model to determine which factors explain the price setting behaviour of nonprofit health insurers. We find that financial stability rather than profit maximisation offers the best explanation for health plan pricing behaviour. In the presence of weak price competition, health insurers did not set premiums to maximize profits. Nevertheless, our findings suggest that regulations on financial reserves are needed to restrict premiums. Copyright © 2011 Elsevier B.V. All rights reserved.

  5. First Report of Tomato torrado virus Infecting Tomato in Colombia

    NARCIS (Netherlands)

    Verbeek, M.; Dullemans, A.M.

    2012-01-01

    Tomato (Solanum lycopersicum L.) plants grown in plastic greenhouses near Villa de Leyva, northeast of Bogota, Colombia showed necrotic spots on the leaves in September 2008. Initial symptoms were necrosis beginning at the base of leaflets that were surrounded by yellow areas. These symptoms resembl

  6. First Report of Tomato torrado virus Infecting Tomato in Colombia

    NARCIS (Netherlands)

    Verbeek, M.; Dullemans, A.M.

    2012-01-01

    Tomato (Solanum lycopersicum L.) plants grown in plastic greenhouses near Villa de Leyva, northeast of Bogota, Colombia showed necrotic spots on the leaves in September 2008. Initial symptoms were necrosis beginning at the base of leaflets that were surrounded by yellow areas. These symptoms resembl

  7. Effect Of 1-MCP Treatment On Storage Potential Of Tomato Fruit

    OpenAIRE

    Wrzodak Anna; Gajewski Marek

    2015-01-01

    Tomato fruit cv. ’Faustine’ F1 were harvested at mature green and full-red stages and treated with 1 or 2 µl·l−1 of 1-methylcyclopropene (1-MCP) at 20 °C and 85-90% RH, for 21 hours to investigate the ability to delay ripening. Treated and control fruit were stored at 12.5 and 20 °C and 85-90% RH. Ethylene production, rate of respiration, weight loss, market value and storage life were determined after 4-week storage. Exposure of tomato fruit to 1-MCP reduced ethylene production and respirati...

  8. Effect of organic amendments and compost extracts on tomato production and storability in ecological production systems

    Directory of Open Access Journals (Sweden)

    ghorbani reza

    2009-06-01

    Full Text Available A field experiment was conducted in Shiravan, Iran, during 2005 in order to investigate the effects of organic amendments, synthetic fertilizers and compost extracts on crop health, productivity and storability of commonly used tomato (Lycopersicon esculentum Mill.. Treatments included different fertilizers of cattle, sheep and poultry manures, house-hold compost and chemical fertilizers, and five aqueous extracts from cattle manure, poultry manures, green-waste and house-hold composts and water as control. The effect of fertilizer type on tomato yield and marketable yield was significant (P

  9. Users Handbook for the Argonne Premium Coal Sample Program

    Energy Technology Data Exchange (ETDEWEB)

    Vorres, K.S.

    1993-10-01

    This Users Handbook for the Argonne Premium Coal Samples provides the recipients of those samples with information that will enhance the value of the samples, to permit greater opportunities to compare their work with that of others, and aid in correlations that can improve the value to all users. It is hoped that this document will foster a spirit of cooperation and collaboration such that the field of basic coal chemistry may be a more efficient and rewarding endeavor for all who participate. The different sections are intended to stand alone. For this reason some of the information may be found in several places. The handbook is also intended to be a dynamic document, constantly subject to change through additions and improvements. Please feel free to write to the editor with your comments and suggestions.

  10. Production of premium fuels from coal refuse pond material

    Energy Technology Data Exchange (ETDEWEB)

    Honaker, R.Q.; Patil, D.P.; Sirkeci, A.; Patwardhan, A. [University of Kentucky, Lexington, KY (United States). Dept. of Mining Engineering

    2001-11-01

    Because of increasing production of fine coal during mining over the past century and because of inefficient fine-coal recovery technologies, a vast reserve of high-quality coal now exists in refuse ponds. A novel fine-coal circuit, consisting of a hindered-bed classifier, an enhanced gravity concentrator and a flotation column, was evaluated for the recovery of fine coal from refuse ponds. The treatment of a pond derived from Pittsburgh No. 8 seam coal resulted in the production of a premium fuel containing less than 5 % ash and a calorific value of about 30,170 kJ/kg with 60% mass yield. Results from the treatment of two refuse pond materials are presented.

  11. Ruin problems with stochastic premium stochastic return on investments

    Institute of Scientific and Technical Information of China (English)

    WANG Rongming; XU Lin; YAO Dingjun

    2007-01-01

    In this paper, ruin problems in the risk model with stochastic premium incomes and stochastic return on investments are studied. The logarithm of the asset price process is assumed to be a Lévy process. An exact expression for expected discounted penalty function is established. Lower bounds and two kinds of upper bounds for expected discounted penalty function are obtained by inductive method and martingale approach. Integro- differential equations for the expected discounted penalty function are ob- tained when the Lévy process is a Brownian motion with positive drift and a compound Poisson process, respectively. Some analytical examples and numerical examples are given to illustrate the upper bounds and the applications of the integro-differential equations in this paper.

  12. PRODUCTIVITY OF TOMATO PLANTS PULVERIZED WITH CALCIUM AND BORON ON THE NUMBER OF RODS

    Directory of Open Access Journals (Sweden)

    A. R. Zeist

    2016-07-01

    Full Text Available Context in which mineral nutrients Ca and B and the form that plants are conducted has great influence on productive aspects of the tomato crop. The objective of this research was to evaluate the effect of tomato foliar sprays of Ca and B, and the number of stems. To run the experiment genotype tomato hybrid Absolute®, belonging to the group salad, the plot was sprayed with all combinations (C possible for (calcium (Ca + boron (B, and the subplot about the number of rods: (H1 - (one rod and H2 - (two rods. Throughout the cycle were evaluated: number of marketable fruits (CF and non-commercial (FNC and marketable fruit yield (PFC and non-commercial (PFNC. According to the results, it was found that there was only interaction to the number of non-marketable fruit variable. By means of spraying, it was found that the isolated foliar application of B, can increase the number of commercial fruit, and the combined foliar application of (Ca + B, allows to decrease the production of non-commercial fruits. And as to the number of rods, that driving with two tomato stem is more appropriate.

  13. Tomato post-harvest processing and storage technologies%番茄采后处理与贮藏技术

    Institute of Scientific and Technical Information of China (English)

    王梓然; 牛来春; 木万福; 陈光平

    2015-01-01

    文章结合云南元谋县番茄生产及采后技术,介绍番茄的贮藏技术、运输方式及销售保鲜方法,并从番茄的加工产业方面分析元谋番茄产业的竞争优势。%Tomato originated from Peru and Ecuador in South America and is a main kind of vegetable in China. Combing with tomato production and postharvest processing technology of Yuanmou county, Yunnan province, this paper introduced the storage technologies, transportation, marketing and preservation method of tomato. The competitive advantages of tomato were analyzed from the aspect of processing industry.

  14. A multivariate statistical analysis coming from the NMR metabolic profile of cherry tomatoes (The Sicilian Pachino case)

    Science.gov (United States)

    Mallamace, Domenico; Corsaro, Carmelo; Salvo, Andrea; Cicero, Nicola; Macaluso, Andrea; Giangrosso, Giuseppe; Ferrantelli, Vincenzo; Dugo, Giacomo

    2014-05-01

    We have studied by means of High Resolution Magic Angle Spinning Nuclear Magnetic Resonance the metabolic profile of the famous Sicilian cherry tomato of Pachino. Thanks to its organoleptic and healthy properties, this particular foodstuff was the first tomato accredited by the European PGI (Protected Geographical Indication) certification of quality. Due to the relatively high price of the final product commercial frauds originated in the Italian and international markets. Hence, there is a growing interest to develop analytical techniques able to predict the origin of a tomato sample, indicating whether or not it originates from the area of Pachino, Sicily (Italy). In this paper we have determined the molar concentration of the metabolites constituent the PGI cherry tomato of Pachino. Furthermore, by means of a multivariate statistical analysis we have identified which metabolites are relevant for sample differentiation.

  15. Combining ability of tomato lines in saladette-type hybrids

    Directory of Open Access Journals (Sweden)

    Marcela Carvalho Andrade

    2014-09-01

    Full Text Available Given the growing importance of the saladette fresh tomato market in Brazil, the objective of this paper was to assess the combining abilities of lines potentially useful as parents of hybridsin this class. The experiment consisted of28 genotypes, 18 hybrids from a partial diallel crossobtained from crossing two groups of tomato lines (Group I, with 9 parents, and Group II, with 2 parents, 8 F1 experimental hybrids, and 2 commercial checks. Traits evaluated were total yield, mean fruit mass, fruit shelf life, shape and percentsoluble solids. Additive genetic effects were generally more important than non-additive effects for all traits evaluated. The TOM-542 and TOM-734 lines, from group I, and the TOM-720 line, from group II, presented high general combining ability (GCA estimates for most of the traits of importance for saladette tomatoes, and were therefore considered suitable parents of hybrids of this class. Higher fruit shelf life of TOM-723 as a parental line compared with TOM-720 (Group II, was mainly attributed to the presence in the former of the norA allele, which controls longer fruit shelf life. F1 hybrids (TOM-542 x TOM-720, (TOM-580 x TOM-720, (TOM-734 x TOM-720, and (TOM-727 x TOM-720 showed good performance and fruit quality and thus constitute possible commercial varieties.

  16. The Flight-to-Liquidity Premium in U.S. Treasury Bond Prices

    OpenAIRE

    Longstaff, Francis A.

    2001-01-01

    We examine whether there is a flight-to-liquidity premium in Treasury bond prices by comparing them with prices of bonds issued by Refcorp, a U.S. Government agency. Since Refcorp bonds are, in effect, guaranteed by the Treasury, they have the same credit as Treasury bonds. We find a large liquidity premium in Treasury bonds, which can be more than fifteen percent of the value of some Treasury bonds. We find strong evidence that this liquidity premium is related to changes in consumer con- fi...

  17. An empirical analysis of the external finance premium of public non-financial corporations in Brazil

    Directory of Open Access Journals (Sweden)

    Fernando N. de Oliveira

    2012-09-01

    Full Text Available Our objective in this paper is to analyze empirically the relationship between the external finance premium of non-financial corporations in Brazil with their default probability and with their demand for inventories. As for the former relation, we find that corporations that have greater external finance premium have greater probability of default. As for the latter, we find that the external finance premium is positive and statistically significantly correlated. The results confirm previous results of the literature that indicate that the balance sheet channel of monetary policy is relevant in Brazil.

  18. Carbon monoxide formation in tomatoes

    Energy Technology Data Exchange (ETDEWEB)

    Gladon, R.J.; Staby, G.L.

    1979-01-01

    Carbon monoxide (CO) is not emanated to any large extent from tomato fruits (Lycopersicon esculentum, Mill. cvs. Rutgers and Ohio MR-13), but is retained within the internal atmosphere. CO is found during all stages of fruit development, but no set pattern of CO concentration is evident.

  19. Can the Tomato Prevent Cancer?

    Institute of Scientific and Technical Information of China (English)

    王建明

    2009-01-01

    难度:★★★★☆字数:368建议时间:5分钟Apurple tomato genetically engineered to con-tain nutrients more commonly seen in dark berries helped prevent cancer in mice,British researchers said on Sunday.The finding,published in

  20. Biological characteristics of tomato mild mottle potyvirus isolated ...

    African Journals Online (AJOL)

    Biological characteristics of tomato mild mottle potyvirus isolated from tomato and thorn ... (Datura stramonium) and tomato (Lycopersicon lycopersicum (L.) Karst. ... Solanum demissum L., while the PVY isolate infected Chenopodium quinoa ...

  1. Phytotoxicity of tolylfluanid in tomatoes.

    Science.gov (United States)

    Gielen, S; Vogels, L; Seels, B; Aerts, R

    2006-01-01

    The use of Euparen Multi (tolylfluanid) for controlling Botrytis cinerea in tomatoes has been decreased the last decade for several reasons. Because of the lack of different fungicides with a good efficacy it is important that growers can use different fungicides to prevent development of resistance of Botrytis cinerea against many fungicides. Tolylfluanid has negative side effects on some insect populations that are used for biological control. It is known that Euparen Multi and Euparen can have a negative effect on some predatory mites (Schmidt and Zeller, 1998) such as Phytoseiulus persimilis and some parasitic wasps like Encarsia formosa, Eretmocerus eremicus, Diglyphus isaea and Dacnusa sibirica. Recently investigation indicates that this fungicide is harmless for the predatory bug Macrolophus caliginosus (Biobest, 2006) frequently used in the cultivation of tomatoes as a predator for whitefly (Trialeurodes vaporariorum). To investigate if tolylfluanid has a phytotoxic effect on tomato plants an experiment was performed. Young tomato plants were used, who are more sensitive. These plants were subdivided in different groups, from which each one was sprayed with a different concentration of tolylfluanid. The highest concentrations of tolylfluanid were used to stimulate the visibility of the possible phytotoxic effects. Results of this experiment demonstrate that there wasn't a difference between the different groups that were sprayed with tolylfluanid or the control group. This indicates that tolylfluanid doesn't seem to be phytotoxic. It is also important to mention that this experiment was done in the fall when the intensity of the sunlight was decreasing. There still exists the possibility that extreme irradiation in combination with tolylfluanid can provoke a phototoxic effect on young tomato plants.

  2. Differential response to environmental and nutritional factors of high-quality tomato varieties.

    Science.gov (United States)

    Iglesias, María José; García-López, Jesús; Collados-Luján, Juan Fernando; López-Ortiz, Fernando; Díaz, Manuel; Toresano, Fernando; Camacho, Francisco

    2015-06-01

    The effect of salinity and silicon treatments on the marketable quality of four Marmande tomato varieties was investigated through conventional quality attributes and (1)H HRMAS NMR spectroscopy. Following variations in ripening through the content of GABA deduced from NMR was crucial for understanding the effects of environmental and nutritional factors. NMR data also lead to a new taste index, which increases from December to January. For Raf, Delizia and Conquista varieties, it was associated to ripening. In Tigre tomatoes the change, exclusively due to the decrease in sourness, does not affect the GABA content. The effect of the harvest day was more pronounced than treatments. However, increasing electrical conductivity seems an efficient alternative for improving fruit quality of Raf tomatoes harvest under non-optimal conditions. Silicon addition appears to reinforce the effect of light intensity on the quantity of photoassimilates available to the fruits without a clear effect on organoleptic quality.

  3. A genome-scale metabolic network reconstruction of tomato (Solanum lycopersicum L.) and its application to photorespiratory metabolism.

    Science.gov (United States)

    Yuan, Huili; Cheung, C Y Maurice; Poolman, Mark G; Hilbers, Peter A J; van Riel, Natal A W

    2016-01-01

    Tomato (Solanum lycopersicum L.) has been studied extensively due to its high economic value in the market, and high content in health-promoting antioxidant compounds. Tomato is also considered as an excellent model organism for studying the development and metabolism of fleshy fruits. However, the growth, yield and fruit quality of tomatoes can be affected by drought stress, a common abiotic stress for tomato. To investigate the potential metabolic response of tomato plants to drought, we reconstructed iHY3410, a genome-scale metabolic model of tomato leaf, and used this metabolic network to simulate tomato leaf metabolism. The resulting model includes 3410 genes and 2143 biochemical and transport reactions distributed across five intracellular organelles including cytosol, plastid, mitochondrion, peroxisome and vacuole. The model successfully described the known metabolic behaviour of tomato leaf under heterotrophic and phototrophic conditions. The in silico investigation of the metabolic characteristics for photorespiration and other relevant metabolic processes under drought stress suggested that: (i) the flux distributions through the mevalonate (MVA) pathway under drought were distinct from that under normal conditions; and (ii) the changes in fluxes through core metabolic pathways with varying flux ratio of RubisCO carboxylase to oxygenase may contribute to the adaptive stress response of plants. In addition, we improved on previous studies of reaction essentiality analysis for leaf metabolism by including potential alternative routes for compensating reaction knockouts. Altogether, the genome-scale model provides a sound framework for investigating tomato metabolism and gives valuable insights into the functional consequences of abiotic stresses. © 2015 The Authors.The Plant Journal published by Society for Experimental Biology and John Wiley & Sons Ltd.

  4. Inactivation of Salmonella and Escherichia coli O157:H7 on sliced and whole tomatoes by allyl isothiocyanate, carvacrol, and cinnamaldehyde in vapor phase.

    Science.gov (United States)

    Obaidat, Mohammad M; Frank, Joseph F

    2009-02-01

    Little is known about the effectiveness of antimicrobials in the vapor phase for control of pathogens on the surface of fresh produce. We determined the activity of allyl isothiocyanate (AIT), cinnamaldehyde, and carvacrol against Salmonella and Escherichia coli O157:H7 on sliced and whole tomatoes. Samples were treated with various concentrations of antimicrobial in the vapor phase at 4, 10, and 25 degrees C in a closed container. AIT exhibited the highest antimicrobial activity followed by cinnamaldehyde. The lowest level of AIT (8.3 microl/liter of air) inactivated Salmonella on sliced tomatoes by 1.0 and 3.5 log at 4 and 10 degrees C, respectively, in 10 days and by 2.8 log at 25 degrees C in 10 h. This level of AIT inactivated Salmonella on whole tomatoes to the detection limit of tomato at 4 and 10 degrees C in 10 days and by 1.3 log CFU per tomato at 25 degrees C in 10 h. AIT also inactivated E. coli O157:H7 on sliced tomatoes by 3.0 log at 4 and 10 degrees C in 10 days, but there was no inactivation at 25 degrees C in 10 h. AIT reduced E. coli O157:H7 on whole tomatoes surface by 3.0 and 1.0 log CFU per tomato at 4 and 10 degrees C, respectively, in 10 days and by 2.0 log CFU per tomato at 25 degrees C in 10 h. Overall, greater inactivation occurred at 10 than at 4 degrees C and on the tomato surface than between slices. Antimicrobials in vapor phase may be useful for controlling pathogens on fresh tomatoes marketed in packages containing enclosed headspace.

  5. Complete Genome Sequence of a Tomato-Infecting Tomato Mottle Mosaic Virus in New York

    OpenAIRE

    Padmanabhan, Chellappan; Zheng, Yi; Li, Rugang; Martin, Gregory B.; Fei, Zhangjun; Ling, Kai-Shu

    2015-01-01

    The complete genome sequence of an isolate of tomato mottle mosaic virus (ToMMV) infecting tomatoes in New York was obtained using small RNA (sRNA) deep sequencing. ToMMV_NY-13 shared 99% sequence identity with isolates from Mexico and Florida. Broader distribution of this emerging virus is a cause for concern to the tomato industry.

  6. Anti-atherosclerotic effects of tomatoes

    Directory of Open Access Journals (Sweden)

    Hidekatsu Yanai

    2017-06-01

    Full Text Available Tomatoes are rich in lycopene, which causes the red coloring of tomatoes. Several reports have suggested lycopene plays a role in the prevention of cardiovascular diseases. In this study, we systematically reviewed the interventional studies using tomatoes or tomato products to understandtheanti-atherosclerotic effects of the tomatoas a functional food. We found that a significantnumber of interventional studies reportedtheanti-atherosclerotic effects of tomatoes, includinganti-obesity effects, hypotensiveeffects, improvement of lipid/glucose metabolismand endothelial function, anti-oxidative and anti-inflammatory effect, and anti-platelet effect; however, the anti-platelet effect was disagreed uponby some studies. Furthermore, we discoveredcooking methods significantlyaffect anti-atherosclerotic effects of tomatoes.

  7. Intraday market asymmetries — A Nordic example

    DEFF Research Database (Denmark)

    Soysal, Emilie Rosenlund; Olsen, Ole Jess; Skytte, Klaus

    2017-01-01

    , particularly important for VRE producers, but it also means that the price formation at intraday market can change optimal bidding strategy in the day-ahead market. Through econometric modelling of intraday price premiums, this paper investigates intraday price asymmetries, which potentially can lead......While the majority of electricity in the Nordic and Baltic countries is traded at the day-ahead market, producers and consumers can use the intraday market to adjust their production commitments according to updated forecasts closer to the time of delivery. This reduces the need for balancing...... to strategic bidding. The intraday market is per definition symmetric, as prices for power sales always correspond to prices for power purchases, however, we find that this symmetry is not reflected in the price structure in regards to the total load adjustment needs....

  8. An alternative computational method for finding the minimum-premium insurance portfolio

    Science.gov (United States)

    Katsikis, Vasilios N.

    2016-06-01

    In this article, we design a computational method, which differs from the standard linear programming techniques, for computing the minimum-premium insurance portfolio. The corresponding algorithm as well as a Matlab implementation are provided.

  9. The application of variable sampling method in the audit testing of insurance companies' premium income

    Directory of Open Access Journals (Sweden)

    Jovković Biljana

    2012-12-01

    Full Text Available The aim of this paper is to present the procedure of audit sampling using the variable sampling methods for conducting the tests of income from insurance premiums in insurance company 'Takovo'. Since the incomes from the insurance premiums from vehicle insurance and third-party vehicle insurance have the dominant share of the insurance company's income, the application of this method will be shown in the audit examination of these incomes - incomes from VI and TPVI premiums. For investigating the applicability of these methods in testing the income of other insurance companies, we shall implement the method of variable sampling in the audit testing of the premium income from the three leading insurance companies in Serbia, 'Dunav', 'DDOR' and 'Delta Generali' Insurance.

  10. 技能溢价的要素收入分配效应%Effects of Skill Premium on Factor Income Distribution

    Institute of Scientific and Technical Information of China (English)

    谷卓越

    2015-01-01

    自改革开放以来,中国技能劳动者的工资与非技能劳动者的工资之比即技能溢价明显上升,而整体劳动收入在国民收入中所占比重却呈现下降趋势。这两者之间是否存在联系以及如何改善要素收入分配值得探讨。通过嵌套式CES生产函数可以发现技能溢价对劳动收入份额的影响,结论是:技能溢价虽然对技能劳动收入份额具有提升作用,但对非技能劳动收入份额的抑制作用占主导。因此,整体来说技能溢价会降低劳动收入份额。通过调整技能劳动的供求结构、完善资本和劳动力市场体系、减少人才流失,以及完善政府财政收支体系来实现技能劳动供求平衡是平抑技能溢价、提高劳动收入份额的重要途径。%T he w ages of Chinese skilled labor have improved dramatically relative to unskilled labor since China’s reform and opening up ,that is ,the skill premium increases rapidly ;w hile the overall share of la‐bor income in national income has a trend of declining .It’s still worth exploring the connection between the two elements and how to improve the income distribution .The passage discusses the influence of skill premium on labor’s income share based on a nested CES production function .The conclusion is that al‐though skill premium can improve the income of the skilled ,the inhibitory effect on the income of the un‐skilled is dominant .Therefore ,skill premium can reduce the share of labor income .The balance between the demand and supply of skilled labor through regulating the structure of skill labor ,improving the cap‐ital and labor market system ,reducing the brain drain and perfecting the government financial system are the key to smoothing the skill premium and improving the labor income share .

  11. Postharvest UV-B treatments increased fructose content of tomato (Solanum lycopersicon L. cv. Tayfun F1 harvested at different ripening stages

    Directory of Open Access Journals (Sweden)

    Mehmet Ufuk KASIM

    2015-12-01

    Full Text Available Abstract In the postharvest stage, taste and flavor are the key components of the marketability of tomato. Therefore, greater emphasis is now being placed on improving traits such as sugar content. In this study postharvest ultraviolet-B (UV-B treatments on sugar, total soluble solids, and color of tomatoes harvested at different stages were investigated. Tomatoes harvested at turning, pink, and red stages were treated with two different doses of UV-B irradiation: UVB4 and UVB8. Color L* and hue angle values of tomatoes treated with UV-B were found to be high, which means the red color of tomatoes was improved. UVB4 treatments increased the color a* and saturation index values of tomatoes at pink and red harvest stage, although it did not affect at the turning stage. Additionally, UV-B irradiation treatments had no effect on sucrose content of the tomatoes. Fructose, glucose, and TSS content of tomatoes treated with UVB8 at red harvest stage were found to be high. Hence, the results obtained from this study are of great importance in terms of providing an increase in the amount of sugar without the need for breeding, and also consumer satisfaction.

  12. Postharvest UV-B treatments increased fructose content of tomato (Solanum lycopersicon L. cv. Tayfun F1) harvested at different ripening stages

    OpenAIRE

    Mehmet Ufuk KASIM; KASIM, Rezzan

    2015-01-01

    Abstract In the postharvest stage, taste and flavor are the key components of the marketability of tomato. Therefore, greater emphasis is now being placed on improving traits such as sugar content. In this study postharvest ultraviolet-B (UV-B) treatments on sugar, total soluble solids, and color of tomatoes harvested at different stages were investigated. Tomatoes harvested at turning, pink, and red stages were treated with two different doses of UV-B irradiation: UVB4 and UVB8. Color L* and...

  13. Incomplete Continuous-Time Securities Markets with Stochastic Income Volatility

    DEFF Research Database (Denmark)

    Christensen, Peter Ove; Larsen, Kasper

    and can trade continuously on a finite time interval in a money market account and a single risky security. Besides establishing the existence of an equilibrium, our main result shows that if the investors' unspanned income has stochastic counter-cyclical volatility, the resulting equilibrium can display......In an incomplete continuous-time securities market governed by Brownian motions, we derive closed-form solutions for the equilibrium risk-free rate and equity premium processes. The economy has a finite number of heterogeneous exponential utility investors, who receive partially unspanned income...... both lower risk-free rates and higher risk premia relative to the Pareto efficient equilibrium in an otherwise identical complete market. Consequently, our model can simultaneously help explaining the risk-free rate and equity premium puzzles....

  14. Incomplete Continuous-Time Securities Markets with Stochastic Income Volatility

    DEFF Research Database (Denmark)

    Christensen, Peter Ove; Larsen, Kasper

    and can trade continuously on a finite time interval in a money market account and a single risky security. Besides establishing the existence of an equilibrium, our main result shows that if the investors' unspanned income has stochastic counter-cyclical volatility, the resulting equilibrium can display......In an incomplete continuous-time securities market governed by Brownian motions, we derive closed-form solutions for the equilibrium risk-free rate and equity premium processes. The economy has a finite number of heterogeneous exponential utility investors, who receive partially unspanned income...... both lower risk-free rates and higher risk premia relative to the Pareto efficient equilibrium in an otherwise identical complete market. Consequently, our model can simultaneously help explaining the risk-free rate and equity premium puzzles....

  15. Plastid and Stromule Morphogenesis in Tomato

    OpenAIRE

    Pyke, Kevin A.; HOWELLS, CAROLINE A.

    2002-01-01

    By using green fluorescent protein targeted to the plastid organelle in tomato (Lycopersicon esculentum Mill.), the morphology of plastids and their associated stromules in epidermal cells and trichomes from stems and petioles and in the chromoplasts of pericarp cells in the tomato fruit has been revealed. A novel characteristic of tomato stromules is the presence of extensive bead‐like structures along the stromules that are often observed as free vesicles, distinct from and apparently uncon...

  16. Nature of Tomatoes Microflora under Storage

    OpenAIRE

    Ajayi, A.O.

    2012-01-01

    Aims: The aim of this study is to determine microbial load of tomatoes including microbial species it constitute under storage with particular reference to raw and canned tomatoes. Study Design: Random sampling of Tomatoes, from selected sources in Ondo State, Nigeria. Place and Duration of Study: Sample: Akungba-Akoko and some communities in Ondo State. Analysis at Microbiology Laboratory, Adekunle Ajasin University, Akungba-Akoko. August, 2011 to July, 2012. Methodology: Pour plate techniqu...

  17. Consumer preferences for fresh tomato at the European scale: a common segmentation on taste and firmness.

    Science.gov (United States)

    Causse, Mathilde; Friguet, Chloé; Coiret, Clément; Lépicier, Mélanie; Navez, Brigitte; Lee, Monica; Holthuysen, Nancy; Sinesio, Fiorella; Moneta, Elisabetta; Grandillo, Silvana

    2010-01-01

    Although tomato flavor has not been a major goal for breeders, nowadays it becomes important as it is a subject of consumer complaint. A better knowledge of tomato consumer preferences, at the European level, should provide the basis for improvement of fruit quality and for market segmentation. In the framework of a large European project, 806 consumers from 3 countries, The Netherlands, France, and Italy, were presented with a set of 16 varieties representing the diversity of fresh tomato offer in order to evaluate their preferences. In parallel, sensory profiles were constructed by expert panels in each country. Preference maps were then constructed in each country revealing the structure of consumer preferences and allowing identification of the most important characteristics. Then a global analysis revealed that preferences were quite homogeneous across countries. This study identified the overall flavor and firmness as the most important traits for improving tomato fruit quality. It showed that consumer preferences from different European countries, with different cultures and food practices, are segmented following similar patterns when projected onto a common referential plan. Moreover, the results clearly showed that diversification of taste and texture is required to satisfy all consumers' expectations as some consumers preferred firm tomatoes, while others preferred melting ones and were more or less demanding in terms of sweetness and flavor intensity. Detailed comparisons also showed the importance of the fruit appearance in consumer preference.

  18. Characterization of a tomato polyphenol oxidase and its role in browning and lycopene content.

    Science.gov (United States)

    Spagna, Giovanni; Barbagallo, Riccardo N; Chisari, Marco; Branca, Ferdinando

    2005-03-23

    Polyphenol oxidase (PPO) was extracted from five Sicilian varieties of tomato fruit [Pizzutello, Naomi (Hazera), F1 PS212 (Peto seed), Rosa Maletto, and PO228] and assayed with a method using 3-methylbenzothyazolinone hydrazone (MBTH) as chromophore coupling agent. 3,4-Dihydroxyphenylacetic acid was chosen for tomato PPO activity determination. The tomato PPO had maximum activity at pH 4.8. The pH of juice in ripe fruits is between 4.1 and 4.4, a range in which PPO relative activity is between 74 and 87%. The optimum temperature of activity for tomato PPO was 40 degrees C; the enzyme showed a good relative activity (55% of the maximum) at cold-storage temperature (4 degrees C). PPO retained 82% relative activity at an NaCl concentration of 0.1 M; at higher concentrations the PPO became gradually inactivated. The commercial variety Naomi is more susceptible to enzymatic browning than the local varieties Pizzutello, Rosa Maletto and PO228, due to higher PPO activity levels. This result confirms the suitability of these local tomato varieties to national markets. Results from storage tests seem to relate PPO activity with color changes associated with browning and lycopene degradation, because lycopene is an antioxidant agent that reconstitutes the polyphenols oxidized by the action of PPO.

  19. Desorption isotherms and mathematical modeling of thin layer drying kinetics of tomato

    Science.gov (United States)

    Belghith, Amira; Azzouz, Soufien; ElCafsi, Afif

    2016-03-01

    In recent years, there is an increased demand on the international market of dried fruits and vegetables with significant added value. Due to its important production, consumption and nutrient intake, drying of tomato has become a subject of extended and varied research works. The present work is focused on the drying behavior of thin-layer tomato and its mathematical modeling in order to optimize the drying processes. The moisture desorption isotherms of raw tomato were determined at four temperature levels namely 45, 50, 60 and 65 °C using the static gravimetric method. The experimental data obtained were modeled by five equations and the (GAB) model was found to be the best-describing these isotherms. The drying kinetics were experimentally investigated at 45, 55 and 65 °C and performed at air velocities of 0.5 and 2 m/s. In order to investigate the effect of the exchange surface on drying time, samples were dried into two different shapes: tomato halves and tomato quarters. The impact of various drying parameters was also studied (temperature, air velocity and air humidity). The drying curves showed only the preheating period and the falling drying rate period. In this study, attention was paid to the modeling of experimental thin-layer drying kinetics. The experimental results were fitted with four different models.

  20. Molecular Identification of Transgenic Tomato in Iran by P35S PromoterBased PCR

    Directory of Open Access Journals (Sweden)

    Parastoo Khanmohammad

    2016-06-01

    Full Text Available Background: With the increasing population of the world, we should face food shortages in the near future. In this regard, agriculture of transgenic crops becomes very important. However, ensuring of GM products labeling is of great importance. Tomato is one of the most important food crops and for this reason it has undergone many genetic changes. This study aims to introduce a rapid, sensitive, and accurate method to identify non-labeled transgenic tomatoes in Iran market. Results: In this study, after optimization of PCR test based on P35S promoter, the amplicon was cloned in the plasmid PTZ57R in Escherichia coli JM107 to confirm and make positive control. After optimized PCR test of 50 tomatoes it was found that 4% of the Iranian markets’ tomatoes contain P35S promoter and are probably transgenic while none of the samples have been labeled in this regard. Conclusion: PCR technique is a suitable, available, fast and accurate method for screening transgenic products such as tomatoes.

  1. A DEMAND-SUPPLY ANALYSIS OF THE SPANISH EDUCATION WAGE PREMIUM

    OpenAIRE

    Manuel A. Hidalgo

    2010-01-01

    This paper estimates education demand for Spain in order to analyze whether variations of the education wage premium between the 1980s and 1990s can be explained within the framework of a supply and demand model. The evidence reveals a stable pattern of growth in the demand for education throughout the eighties and nineties, empirically showing that differences in the evolution of the education wage premium during the two decades can be explained by varying growth in education supply coupled ...

  2. Spatial Risk Premium on Weather Derivatives and Hedging Weather Exposure in Electricity

    OpenAIRE

    Härdle, Wolfgang Karl; Osipenko, Maria

    2011-01-01

    Due to dependency of energy demand on temperature, weather derivatives enable the effective hedging of temperature related fluctuations. However, temperature varies in space and time and therefore the contingent weather derivatives also vary. The spatial derivative price distribution involves a risk premium. We examine functional principal components of temperature variation for this spatial risk premium. We employ a pricing model for temperature derivatives based on dynamics modelled via a v...

  3. Tomato Root Response to Subsurface Drip Irrigation

    Institute of Scientific and Technical Information of China (English)

    ZHUGE Yu-Ping; ZHANG Xu-Dong; ZHANG Yu-Long; LI Jun; YANG Li-Juan; HUANG Yi; LIU Ming-Da

    2004-01-01

    Four depth treatments of subsurface drip irrigation pipes were designated as 1) at 20,2) 30 and 3) 40 cm depths all with a drip-proof flumes underneath,and 4) at 30 cm without a drip-proof flume to investigate the responses of a tomato root system to different technical parameters of subsurface drip irrigation in a glass greenhouse,to evaluate tomato growth as affected by subsurface drip irrigation,and to develop an integrated subsurface drip irrigation method for optimal tomato yield and water use in a glass greenhouse. Tomato seedlings were planted above the subsurface drip irrigation pipe. Most of the tomato roots in treatment 1 were found in the top 0-20 cm soil depth with weak root activity but with yield and water use efficiency (WUE) significantly less (P ---- 0.05) than treatment 2; root activity and tomato yield were significantly higher (P = 0.05) with treatment 3 compared to treatment 1; and with treatment 2 the tomato roots and shoots grew harmoniously with root activity,nutrient uptake,tomato yield and WUE significantly higher (P= 0.05) or as high as the other treatments. These findings suggested that subsurface drip irrigation with pipes at 30 cm depth with a drip-proof flume placed underneath was best for tomato production in greenhouses. In addition,the irrigation interval should be about 7-8 days and the irrigation rate should be set to 225 m3 ha-1 per event.

  4. Premium performance heating oil - Part 2, Field trial results

    Energy Technology Data Exchange (ETDEWEB)

    Jetter, S.M.; Hoskin, D.; McClintock, W.R. [Mobil Oil Corp., Paulsboro, NJ (United States)] [and others

    1996-07-01

    Limited field trial results of a heating oil additive package developed to minimize unscheduled maintenance indicate that it achieves its goal of keeping heating oil systems cleaner. The multifunctional additive package was developed to provide improved fuel oxidation stability, improved corrosion protection, and dispersency. This combination of performance benefits was chosen because we believed it would retard the formation of sludge, as well as allow sludge already present to be carried through the system without fouling the fuel system components (dispersency should keep sludge particles small so they pass through the filtering system). Since many unscheduled maintenance calls are linked to fouling of the fuel filtering system, the overall goal of this technology is to reduce these maintenance calls. Photographic evidence shows that the additive package not only reduces the amount of sludge formed, but even removes existing sludge from filters and pump strainers. This {open_quotes}clean-up{close_quotes} performance is provided trouble free: we found no indication that nozzle/burner performance was impaired by dispersing sludge from filters and pump strainers. Qualitative assessments from specific accounts that used the premium heating oil also show marked reductions in unscheduled maintenance.

  5. Biodegradable mulch performed comparably to polyethylene in high tunnel tomato (Solanum lycopersicum L.) production.

    Science.gov (United States)

    Cowan, Jeremy S; Miles, Carol A; Andrews, Preston K; Inglis, Debra A

    2014-07-01

    High tunnels in the cool climate of north western Washington state improve the growing environment for crops otherwise suited to warmer climates. Biodegradable mulch may improve the sustainability of high tunnel vegetable production if it performs comparably to polyethylene. Four biodegradable mulch treatments (BioAgri, BioTelo, WeedGuardPlus and SB-PLA-10/11/12) were compared to black polyethylene and bare ground in high tunnels and open field settings to assess the impact of production system and mulch treatment on weed control, tomato yield, and fruit quality. Fewer weeds grew in high tunnels than in the open field. High tunnels increased total and marketable fruit yields and increased individual fruit weight. High tunnel production increased juice content and pH of tomato fruit, but decreased total soluble solids, titratable acidity, and total phenolics compared to the open field. All mulch treatments except SB-PLA-10 controlled weeds. BioAgri, BioTelo and polyethylene increased total yields by 20%, though marketability was reduced 14% compared to bare ground and WeedGuardPlus treatments. High tunnels can improve tomato yield and affect fruit quality in north western Washington. Biodegradable plastic mulches performed comparably to polyethylene in weed control, tomato yield, and fruit quality and may, therefore, improve the sustainability of high tunnel vegetable production. © 2013 Society of Chemical Industry.

  6. Liquidity premium in emerging markets during the international credit financial crisis: the Mexico and Chile cases

    Directory of Open Access Journals (Sweden)

    Humberto Valencia Herrera

    2015-01-01

    Full Text Available El factor de descuento estocástico tiene una prima de riesgo en forma persistente para los activos más negociados en los años de la crisis crediticia financiera internacional 2007- 2008, efecto que persiste durante 2009 en México y Chile. Este efecto no es persistente en el período 2010-2012, cuando es solo estadísticamente observable en algunos años, pero desaparece en otros. Derechos Reservados©2015 Universidad Nacional Autónoma de México, Facultad de Contaduría y Administración. Este es un artículo de acceso abierto distribuido bajo los términos de la Licencia Creative Commons CC BY-NC-ND 4.0.

  7. Foreign Exchange Controls, Fiscal and Monetary Policy, and the Black Market Premium

    OpenAIRE

    Fardmanesh, Mohsen; Douglas, Seymour

    2003-01-01

    This paper examines the relationship between the official and parallel exchange rates, in three Caribbean countries, Guyana, Jamaica and Trinidad, during the 1985-1993 period using cointegration, Granger causality, and reduced form methods. The official and parallel rates are cointegrated in all three countries, but with significant average disparity between them in Guyana and Trinidad, which unlike Jamaica applied infrequent and large adjustments to their official rates. The causation is bi-...

  8. Cytogenetic and molecular studies on tomato chromosomes using diploid tomato and tomato monosomic additions in tetraploid potato

    NARCIS (Netherlands)

    Chang, S.B.

    2004-01-01

    Geneticists have studied the tomato, Lycopersicon esculentum, for several decades and now obtained a saturated linkage map on which numerous genes controlling morphological traits and disease resistances, and molecular markers have been positioned. They also investigated the chromosomes of tomato, w

  9. Cytogenetic and molecular studies on tomato chromosomes using diploid tomato and tomato monosomic additions in tetraploid potato

    NARCIS (Netherlands)

    Chang, S.B.

    2004-01-01

    Geneticists have studied the tomato, Lycopersicon esculentum, for several decades and now obtained a saturated linkage map on which numerous genes controlling morphological traits and disease resistances, and molecular markers have been positioned. They also investigated the chromosomes of tomato, w

  10. Risk premia in energy markets

    DEFF Research Database (Denmark)

    Veraart, Almut E.D.; Veraart, Luitgard A.M.

    Risk premia between spot and forward prices play a key role in energy markets. This paper derives analytic expressions for such risk premia when spot prices are modelled by Lévy semistationary processes. While the relation between spot and forward prices can be derived using classical no......-arbitrage arguments as long as the underlying commodities are storable, the situation changes in the case of electricity. Hence, in an empirical study based on electricity spot prices and futures from the European Energy Exchange market, we investigate the empirical behaviour of electricity risk premia from...... a statistical perspective. We find that a model-based prediction of the spot price has some explanatory power for the corresponding forward price, but there is a significant additional amount of variability, the risk premium, which needs to be accounted for. We demonstrate how a suitable model for electricity...

  11. Effect of Application Propolis as Biocoating on the Physical and Chemical Properties of Tomatoes Stored at Room Temperature

    Science.gov (United States)

    E Putra, R.; Khairannisa, S.; Kinasih, I.

    2017-03-01

    Tomatoes is considered as one of important horticulture commodities which highly consume by Indonesia consumer. However, this horticulture product is perishable with high rate which reduce quantity and quality of marketable products. One of the method could be used to prevent this problem by application of edible biocoating. In this study, various concentration of ethanolic propolis extract was applied to tomatoes in order to find the effect of propolis coating in tomato preservation and best concentration for application. Tomatoes were grouped into 5 group, namely control group (no coating application), ethanol group (tomato wash with ethanol), and application group (coated with 5%, 10%, and 15% propolis). Variables observed during study were weight change, fruit firmness, total soluble solute, vitamin C, and lycopene. All tomatoes were kept in room temperature for 14 days and observation conducted every 2 days. Result showed that application of 10% propolis as biocoating reduced rate of weight loss and maintained fruit firmness while other variables relatively unaffected by propolis coating.

  12. Ecological prevalence, genetic diversity and epidemiological aspects of Salmonella isolated from tomato agricultural regions of the Virginia Eastern Shore

    Directory of Open Access Journals (Sweden)

    Rebecca L. Bell

    2015-05-01

    Full Text Available Virginia is the third largest producer of fresh-market tomatoes in the United States. Tomatoes grown along the eastern shore of Virginia are implicated almost yearly in Salmonella illnesses. Traceback implicates contamination occurring in the pre-harvest environment. To get a better understanding of the ecological niches of Salmonella in the tomato agricultural environment, a two-year study was undertaken at a regional agricultural research farm in Virginia. Environmental samples, including tomato (fruit, blossoms and leaves, irrigation water, surface water and sediment, were collected over the growing season. These samples were analyzed for the presence of Salmonella using modified FDA-BAM methods. Molecular assays were used to screen the samples. Over 1500 samples were tested. Seventy-five samples tested positive for Salmonella yielding over 230 isolates. The most commonly isolated serovars were S. Newport and S. Javiana with pulsed-field gel electrophoresis yielding 39 different patterns. Genetic diversity was further underscored among many other serotypes, which showed multiple PFGE subtypes. Whole genome sequencing of several S. Newport isolates collected in 2010 compared to clinical isolates associated with tomato consumption showed very few single nucleotide differences between environmental isolates and clinical isolates suggesting a source link to Salmonella contaminated tomatoes. Nearly all isolates collected during two growing seasons of surveillance were obtained from surface water and sediment sources pointing to these sites as long-term reservoirs for persistent and endemic contamination of this environment.

  13. Mineral Content in Leaves of Tomato Plants Grafted on Solanum Rootstocks

    OpenAIRE

    松添, 直隆; 間, 浩美; 花田, 勝美; モハメド, アリ, エル, サイド, アリ; 大久保, 敬; 藤枝, 國光

    1995-01-01

    Nutrient uptake of tomato plants cv. Momotaro grafted on Solanum sisymbriifoliulm, S. torvum and S. toxicarium which are resistant to soil-born disease were compared with tomato grafted on its own root, a tomato/tomato, scion/rootstock combination. Mineral content in leaves of tomato/S. sisymbriifoliulm was nearly equal to that of tomato/tomato. In leaves of tomato/S. torvum, nitrogen content was higher, and magnesium content was lower than those of tomato/tomato. Furthermore, phosphorus and ...

  14. —Does Demand Fall When Customers Perceive That Prices Are Unfair? The Case of Premium Pricing for Large Sizes

    OpenAIRE

    Eric T. Anderson; Duncan I. Simester

    2008-01-01

    We analyze a large-scale field test conducted with a mail-order catalog firm to investigate how customers react to premium prices for larger sizes of women's apparel. We find that customers who demand large sizes react unfavorably to paying a higher price than customers for small sizes. Further investigation suggests that these consumers perceive that the price premium is unfair. Overall, premium pricing led to a 6% to 8% decrease in gross profits.

  15. Tomato late blight (Phytophthora infestans) in Uganda

    NARCIS (Netherlands)

    Tumwine, J.; Frinking, H.D.; Jeger, M.J.

    2002-01-01

    A survey on the tomato late blight situation and current practices for disease management was carried out in Uganda using an informal structured questionnaire approach. Ten districts from different agroclimatic zones were selected for the survey. Phytophthora infestans isolates from tomatoes were ob

  16. Greenhouse climate control affects postharvest tomato quality

    NARCIS (Netherlands)

    Farneti, B.; Schouten, R.E.; Qian, T.; Dieleman, J.A.; Tijskens, L.M.M.; Woltering, E.J.

    2013-01-01

    In this study, important quality properties such as firmness, sugar and acid levels were measured and analysed in tomatoes harvested from three greenhouses during a five month period and stored at 16 degrees C for over 20 days. Tomatoes were harvested from three identical, neighbouring, greenhouses

  17. Prediction of processing tomato peeling outcomes

    Science.gov (United States)

    Peeling outcomes of processing tomatoes were predicted using multivariate analysis of Magnetic Resonance (MR) images. Tomatoes were obtained from a whole-peel production line. Each fruit was imaged using a 7 Tesla MR system, and a multivariate data set was created from 28 different images. After ...

  18. Peeling mechanism of tomato under infrared heating

    Science.gov (United States)

    Critical behaviors of peeling tomatoes using infrared heat are thermally induced peel loosening and subsequent cracking. However, the mechanism of peel loosening and cracking due to infrared heating remains unclear. This study aimed at investigating the mechanism of peeling tomatoes under infrared h...

  19. Economic Sustainability of Italian Greenhouse Cherry Tomato

    Directory of Open Access Journals (Sweden)

    Riccardo Testa

    2014-11-01

    Full Text Available Greenhouse tomato cultivation plays an important role in Sicily, being the primary production area in Italy, due to its favorable pedo-climatic conditions that permit extra-seasonal productions. In Sicily, more than half of greenhouse tomato production is derived from the Province of Ragusa on the southeastern coast, where especially cherry tomato typologies are cultivated. Over the last decade, the Ragusa Province has registered a decrease both in terms of greenhouse tomato area and harvested production due to several structural problems that would require restructuring of the tomato supply chain. Thus, since recognition of real costs and profitability of tomato growing is a vital issue, both from the perspective of the farm, as well as from that of the entrepreneur, the aim of this paper was to analyze the economic sustainability of Sicilian greenhouse cherry tomato cultivated in the Ragusa Province. In particular, an economic analysis on 30 representative farms was conducted in order to estimate production costs and profits of greenhouse cherry tomato. According to our results, the lack of commercial organization, which characterizes the small farms we surveyed, determines low contractual power for farmers and, consequently, low profitability.

  20. 7 CFR 457.160 - Processing tomato crop insurance provisions.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 6 2010-01-01 2010-01-01 false Processing tomato crop insurance provisions. 457.160... tomato crop insurance provisions. The Processing Tomato Crop Insurance Provisions for the 2005 and... polices: Processing Tomato Crop Provisions If a conflict exists among the policy provisions, the order...

  1. 49 CFR 260.17 - Credit risk premium analysis.

    Science.gov (United States)

    2010-10-01

    ..., based on Applicant's: (A) Industry outlook; (B) Market position; (C) Management and financial policies... past and projected: (A) Profitability; (B) Liquidity; (C) Financial strength; (D) Size; and (E) Level...

  2. 42 CFR 408.21 - Reduction in Medicare Part B premium as an additional benefit under Medicare+Choice plans.

    Science.gov (United States)

    2010-10-01

    .... After determining the Medicare Part B premium reduction amount for each eligible beneficiary, CMS will— (1) Transmit this information to the Social Security Administration, Railroad Retirement Board,...

  3. In Second Year Of Marketplaces, New Entrants, ACA 'Co-Ops,' And Medicaid Plans Restrain Average Premium Growth Rates.

    Science.gov (United States)

    Gabel, Jon R; Whitmore, Heidi; Green, Matthew; Stromberg, Sam T; Weinstein, Daniel S; Oran, Rebecca

    2015-12-01

    Premiums for health insurance plans offered through the federally facilitated and state-based Marketplaces remained steady or increased only modestly from 2014 to 2015. We used data from the Marketplaces, state insurance departments, and insurer websites to examine patterns of premium pricing and the factors behind these patterns. Our data came from 2,964 unique plans offered in 2014 and 4,153 unique plans offered in 2015 in forty-nine states and the District of Columbia. Using descriptive and multivariate analysis, we found that the addition of a carrier in a rating area lowered average premiums for the two lowest-cost silver plans and the lowest-cost bronze plan by 2.2 percent. When all plans in a rating area were included, an additional carrier was associated with an average decline in premiums of 1.4 percent. Plans in the Consumer Operated and Oriented Plan Program and Medicaid managed care plans had lower premiums and average premium increases than national commercial and Blue Cross and Blue Shield plans. On average, premiums fell by an appreciably larger amount for catastrophic and bronze plans than for gold plans, and premiums for platinum plans increased. This trend of low premium increases overall is unlikely to continue, however, as insurers are faced with mounting medical claims.

  4. Expression of alternative oxidase in tomato

    Energy Technology Data Exchange (ETDEWEB)

    Kakefuda, M.; McIntosh, L. (Michigan State Univ., East Lansing (USA))

    1990-05-01

    Tomato fruit ripening is characterized by an increase in ethylene biosynthesis, a burst in respiration (i.e. the climacteric), fruit softening and pigmentation. As whole tomatoes ripened from mature green to red, there was an increase in the alternative oxidase capacity. Aging pink tomato slices for 24 and 48 hrs also showed an increase of alternative oxidase and cytochrome oxidase capacities. Monoclonal antibodies prepared to the Sauromatum guttatum alternative oxidase were used to follow the appearance of alternative oxidase in tomato fruits. There is a corresponding increase in a 36kDa protein with an increase in alternative oxidase capacity. Effects of ethylene and norbornadiene on alternative oxidase capacity were also studied. We are using an alternative oxidase cDNA clone from potato to study the expression of mRNA in ripening and wounded tomatoes to determine if the gene is transcriptionally regulated.

  5. Antioxidant Activity from Various Tomato Processing

    Directory of Open Access Journals (Sweden)

    Retno Sri Iswari

    2016-04-01

    Full Text Available Tomato is one of the high antioxidant potential vegetables. Nowadays, there are many techniques of tomato processings instead of fresh consumption, i.e. boiled, steamed, juiced and sauteed. Every treatment of cooking will influence the chemical compound inside the fruits and the body's nutrition intake. It is important to conduct the research on antioxidant compound especially lycopene, β-carotene, vitamin C, α-tocopherol, and its activity after processing. This research has been done using the experimental method. Tomatoes were cooked into six difference ways, and then it was extracted using the same procedure continued with antioxidant measurement. The research results showed that steaming had promoted the higher antioxidant numbers (lycopene. α-tocopherol, β-carotene and vitamin C and higher TCA and antioxidant activities in the tomatoes than other processings. It was indicated that steaming was the best way to enhance amount, capacity and activities of antioxidants of the tomatoes.

  6. Heterogeneous Beliefs, Public Information, and Option Markets

    DEFF Research Database (Denmark)

    Qin, Zhenjiang

    In an incomplete market setting with heterogeneous prior beliefs, I show that public information and strike price of option have substantial infl‡uence on asset pricing in option markets, by investigating an absolute option pricing model with negative exponential utility investors and normally di...... with intermediate strike price, the highest efficiency of side-betting is achieved, re‡ected by a unique maximum point of the ex ante equilibrium interest rate. The public signal precision affects ex ante equilibrium risk premium only via its relationship with option.......In an incomplete market setting with heterogeneous prior beliefs, I show that public information and strike price of option have substantial infl‡uence on asset pricing in option markets, by investigating an absolute option pricing model with negative exponential utility investors and normally...

  7. Effects of tomato variety, temperature differential and post-stem removal time on internalization of Salmonella Thompson into tomatoes

    Science.gov (United States)

    Tomatoes have been implicated in several Salmonellosis outbreaks due to possible contamination through bacterial infiltration into tomatoes during post-harvest handling. The aim of this study was to determine the effects of tomato variety, dump tank water to tomato pulp temperature differential, and...

  8. Fine mapping of the tomato yellow leaf curl virus resistance gene Ty-2 on chromosome 11 of tomato

    NARCIS (Netherlands)

    Yang, X.; Caro Rios, C.M.; Hutton, S.F.; Scott, J.W.; Guo, Y.; Wang, Xiaoxuan; Rashid, H.; Szinay, D.; Jong, de J.H.S.G.M.; Visser, R.G.F.; Bai, Y.; Du, Y.

    2014-01-01

    Resistances to begomoviruses, including bipartite tomato mottle virus and monopartite tomato yellow leaf curl virus (TYLCV), have been introgressed to cultivated tomato (Solanumlycopersicum) fromwild tomato accessions. A major gene, Ty-2 from S. habrochaites f. glabratum accession ‘‘B6013,’’ that

  9. Genome Sequences of Two Pseudomonas syringae pv. tomato Race 1 Strains, Isolated from Tomato Fields in California

    OpenAIRE

    Thapa, Shree P.; Coaker, Gitta

    2016-01-01

    Pseudomonas syringae pv. tomato race 1 strains have evolved to overcome genetic resistance in tomato. Here, we present the draft genome sequences of two race 1 P. syringae pv. tomato strains, A9 and 407, isolated from diseased tomato plants in California.

  10. The prospect of market-driven improvements in animal welfare

    DEFF Research Database (Denmark)

    Heerwagen, Lennart Ravn; Christensen, Tove; Sandøe, Peter

    2013-01-01

    . Yet considerable uncertainties exist about the ability of the market to promote animal welfare. So far the consumption of most welfare-friendly products has been limited, and the impact of driving and limiting factors is poorly understood. Reviewing market studies, we identify the factors that have......-friendly products. It is therefore to be expected that other animal welfare-friendly food products marketed via “natural behaviors” in the farm animals will catch the interest of consumers. However, grass milk consumption has been supported by proper labeling, ready availability and low price premiums as well...

  11. Segmentation of the industrial market for food commodities

    DEFF Research Database (Denmark)

    Bech-Larsen, Tino

    2001-01-01

    The purpose of the study presented in this article is to examine whether the cconcepts developed in the area of industrial buying behavior can add to the understanding of commodity markets. The industrial market for vegetable oil was chosen as the outset of the study, because it is characterized...... and mayonnaise industries in Denmark, Sweden, Germany, the United Kingdom and Switzerland. The main result of the study is that the price is an omnipotent decision criterion, when vegetable fats and mayonnaise producers buy vegetable oil, but also that product and supplier criteria can be used to segment...... the market, if the price premium is held within limits....

  12. Simulating the market coefficient of relative risk aversion

    Directory of Open Access Journals (Sweden)

    Samih Antoine Azar

    2014-12-01

    Full Text Available In this paper, expected utility, defined by a Taylor series expansion around expected wealth, is maximized. The coefficient of relative risk aversion (CRRA that is commensurate with a 100% investment in the risky asset is simulated. The following parameters are varied: the riskless return, the market standard deviation, the market stock premium, and the skewness and the kurtosis of the risky return. Both the high extremes and the low extremes are considered. With these figures, the upper bound of the market CRRA is 3.021 and the lower bound is 0.466. Log utility, which corresponds to a CRRA of 1, is not excluded.

  13. Factors contributing to the rheology of tomato puree

    OpenAIRE

    Abson, Rachael

    2013-01-01

    Tomato (Solanum Iycopersicum) puree is created by homogenising the flesh of tomato fruits. The viscosity of this material and the fibrous content is of commercial interest. Tomato puree consists of suspended particles (consisting of whole cells, broken cells and cellular fragments) in an aqueous serum. The contribution of the non-soluble and soluble material to tomato puree rheology was studied with reference to the varying composition of solids and firmness of tomato fruit at four stages of ...

  14. Premium Fuel Production From Mining and Timber Waste Using Advanced Separation and Pelletizing Technologies

    Energy Technology Data Exchange (ETDEWEB)

    Honaker, R. Q.; Taulbee, D.; Parekh, B. K.; Tao, D.

    2005-12-05

    agents for the briquetting of 90% coal and 10% sawdust blends. Guar gum, wheat starch, and a multi-component formulation were identified as most cost-effective for the production of briquettes targeted for the pulverized-coal market with costs being around $8 per ton of the coal-sawdust blend. REAX/lime and a second multi-component formulation were identified as the most cost-effective for the production of briquettes targeted for the stoker-coal market. Various sources of sawdust generated from different wood types were also investigated to determine their chemical properties and to evaluate their relative performance when briquetted with clean coal to form a premium fuel. The highest heating values, approaching 7,000 Btu/lb, were obtained from oak. Sawdusts from higher-density, red oak, white oak, hickory, and beech trees provided higher quality briquettes relative to their lower-density counterparts. In addition to sawdust type, a number of other parameters were evaluated to characterize their impact on briquette properties. The parameters that exhibited the greatest impact on briquette performance were binder concentration; sawdust concentration and particle size; cure temperature; and ash content. Parameters that had the least impact on briquette properties, at least over the ranges studied, were moisture content, briquetting force, and briquetting dwell time. The continuous production of briquettes from a blend of coal and sawdust was evaluated using a 200 lbs/hr Komarek Model B-100 briquetter. The heating values of briquettes produced by the unit exceeded the goal of the project by a large margin. A significant observation was the role of feed moisture on the stability of the mass flow rate through the briquetter and on briquette strength. Excessive feed moisture levels caused inconsistent or stoppage of material flow through the feed hopper and resulted in the production of variable-quality briquettes. Obviously, the limit on feed moisture content has a

  15. Premium Fuel Production From Mining and Timber Waste Using Advanced Separation and Pelletizing Technologies

    Energy Technology Data Exchange (ETDEWEB)

    Honaker, R. Q.; Taulbee, D.; Parekh, B. K.; Tao, D.

    2005-12-05

    agents for the briquetting of 90% coal and 10% sawdust blends. Guar gum, wheat starch, and a multi-component formulation were identified as most cost-effective for the production of briquettes targeted for the pulverized-coal market with costs being around $8 per ton of the coal-sawdust blend. REAX/lime and a second multi-component formulation were identified as the most cost-effective for the production of briquettes targeted for the stoker-coal market. Various sources of sawdust generated from different wood types were also investigated to determine their chemical properties and to evaluate their relative performance when briquetted with clean coal to form a premium fuel. The highest heating values, approaching 7,000 Btu/lb, were obtained from oak. Sawdusts from higher-density, red oak, white oak, hickory, and beech trees provided higher quality briquettes relative to their lower-density counterparts. In addition to sawdust type, a number of other parameters were evaluated to characterize their impact on briquette properties. The parameters that exhibited the greatest impact on briquette performance were binder concentration; sawdust concentration and particle size; cure temperature; and ash content. Parameters that had the least impact on briquette properties, at least over the ranges studied, were moisture content, briquetting force, and briquetting dwell time. The continuous production of briquettes from a blend of coal and sawdust was evaluated using a 200 lbs/hr Komarek Model B-100 briquetter. The heating values of briquettes produced by the unit exceeded the goal of the project by a large margin. A significant observation was the role of feed moisture on the stability of the mass flow rate through the briquetter and on briquette strength. Excessive feed moisture levels caused inconsistent or stoppage of material flow through the feed hopper and resulted in the production of variable-quality briquettes. Obviously, the limit on feed moisture content has a

  16. Elevation of lutein content in tomato: a biochemical tug-of-war between lycopene cyclases.

    Science.gov (United States)

    Giorio, Giovanni; Yildirim, Arzu; Stigliani, Adriana Lucia; D'Ambrosio, Caterina

    2013-11-01

    Lutein is becoming increasingly important in preventive medicine due to its possible role in maintaining good vision and in preventing age-related maculopathy. Average daily lutein intake in developed countries is often below suggested daily consumption levels, and lutein supplementation could be beneficial. Lutein is also valuable in the food and feed industries and is emerging in nutraceutical and pharmaceutical markets. Currently, lutein is obtained at high cost from marigold petals, and synthesis alternatives are thus desirable. Tomato constitutes a promising starting system for production as it naturally accumulates high levels of lycopene. To develop tomato for lutein synthesis, the tomato Red Setter cultivar was transformed with the tomato lycopene ε-cyclase-encoding gene under the control of a constitutive promoter, and the HighDelta (HD) line, characterised by elevated lutein and δ-carotene content in ripe fruits, was selected. HD was crossed to the transgenic HC line and to RS(B) with the aim of converting all residual fruit δ-carotene to lutein. Fruits of both crosses were enriched in lutein and presented unusual carotenoid profiles. The unique genetic background of the crosses used in this study permitted an unprecedented analysis of the role and regulation of the lycopene cyclase enzymes in tomato. A new defined biochemical index, the relative cyclase activity ratio, was used to discern post-transcriptional regulation of cyclases, and will help in the study of carotenoid biosynthesis in photosynthetic plant species and particularly in those, like tomato, that have been domesticated for the production of food, feed or useful by-products.

  17. Water saving strategies assessment on processing tomato cultivated in Mediterranean region

    Directory of Open Access Journals (Sweden)

    Marcella M. Giuliani

    2016-03-01

    Full Text Available Processing tomato grown in Mediterranean region required high irrigation volume throughout growing season. A two-year study was carried out in order to investigate the effects of deficit irrigation (DI and regulated deficit irrigation (RDI on processing tomato cultivated under sub-arid conditions. A comparison between the irrigation management linked to common practice adopted by farmer and the irrigation management based on crop evapotranspiration (ETc demand was also done. The tomato cv. Genius F1 was cultivated under five water regimes: minimal irrigation (I0, as irrigation only at transplanting and during fertilising; DI, to restore 60% ETc; RDI, to restore 60%-80%- 60% ETc across the three main tomato phenological stages; full irrigation (FI, to restore 100% ETc; and farmer irrigation (FaI, as irrigation following the subjective farmer method. Compared to FI, under the FaI regime, the seasonal irrigation volume was 31% and 26% higher in the 2009 and 2010, respectively, with not significant yield increase between the two water regimes. Among the irrigation regimes, only the RDI showed similar yield values over the two years, although 2010 was climatically less favourable. For the water use efficiency related to the marketable yield (WUEy, among the irrigation regimes, RDI showed the higher value together with FI. Finally, the Ky was 0.91, which indicates moderate water stress tolerance for processing tomato cultivated in Mediterranean regions. In conclusion, the data obtained in the present study demonstrate that in Southern Italy the irrigation planning followed by the farmer does not follow the principles of sustainable irrigation. Moreover, with the adoption of the RDI strategy, it is possible to save about 27% of water maintaining high WUEy value with an increase of fruit quality. The adoption of this regime could be suggested in processing tomato cultivated under Mediterranean climate saving water in both the vegetative and ripening

  18. Determinants of Medicare plan choices: are beneficiaries more influenced by premiums or benefits?

    Science.gov (United States)

    Jacobs, Paul D; Buntin, Melinda B

    2015-07-01

    To evaluate the sensitivity of Medicare beneficiaries to premiums and benefits when selecting healthcare plans after the introduction of Part D. We matched respondents in the 2008 Medicare Current Beneficiary Survey to the Medicare Advantage (MA) plans available to them using the Bid Pricing Tool and previously unavailable data on beneficiaries' plan choices. We estimated a 2-stage nested logit model of Medicare plan choice decision making, including the decision to choose traditional fee-for-service (FFS) Medicare or an MA plan, and for those choosing MA, which specific plan they chose. Beneficiaries living in areas with higher average monthly rebates available from MA plans were more likely to choose MA rather than FFS. When choosing MA plans, beneficiaries are roughly 2 to 3 times more responsive to dollars spent to reduce cost sharing than reductions in their premium. We calculated an elasticity of plan choice with respect to the monthly MA premium of -0.20. Beneficiaries with lower incomes are more sensitive to plan premiums and cost sharing than higher-income beneficiaries. MA plans appear to have a limited incentive to aggressively price their products, and seem to compete primarily over reduced beneficiary cost sharing. Given the limitations of the current plan choice environment, policies designed to encourage the selection of lower-cost plans may require increasing premium differences between plans and providing the tools to enable beneficiaries to easily assess those differences.

  19. 77 FR 70583 - Patient Protection and Affordable Care Act; Health Insurance Market Rules; Rate Review

    Science.gov (United States)

    2012-11-26

    ... encouraged to leave their comments in the CMS drop slots located in the main lobby of the building. A stamp... that prohibit gender rating do not require maternity coverage in all individual market policies, meaning that, since maternity coverage requires additional premium in those states, a total of 40 states...

  20. Do Organic Cherry Vine Tomatoes Taste Better Than Conventional Cherry Vine Tomatoes? A Sensory and Instrumental Comparative Study from Ireland

    OpenAIRE

    Gilsenan, Clare; Burke, Roisin; Barry-Ryan, Catherine

    2011-01-01

    A consumer panel was able to distinguish a perceptible difference between organically farmed and conventionally produced tomatoes, and preferred the taste of the conventional tomatoes. The sensory evaluation results of the trained panel revealed that the conventional tomatoes were sweeter and less sour than the organic tomatoes. In addition to this, the conventional tomatoes showed significant differences for oBrix, reducing sugars and electrical conductivity. No significant differences were ...

  1. Invention-driven marketing

    Science.gov (United States)

    Carlson, William E.

    1994-01-01

    Suppose you have just created a revolutionary bicycle suspension which allows a bike to be ridden over rough terrain at 60 miles per hour. In addition, suppose that you are deeply concerned about the plight of hungry children. Which should you do: be sure all hungry children have bicycles; transfer the technology for your new suspension to bicycle manufacturers worldwide; or start a company to supply premium sports bicycle based on your patented technology, and donate the profits to a charity which feeds hungry children? Woven through this somewhat trivial example is the paradox of technology transfer - the supplier (owner) may want to transfer technology; but to succeed, he or she must reformulate the problem as a user need for which there is a new and better solution. Successful technology transfer is little more than good marketing applied to an existing invention, process, or capability. You must identify who needs the technology, why they need it, why the new technology is better than alternatives, how much the customers are willing and able to pay for these benefits, and how to distribute products based on the technology tc the target customers. In market-driven development, the term 'technology transfer' is rarely used. The developers focus on studying user needs and designing solution They may have technology needs, but they don't have technology in search of a use.

  2. 基于马尔可夫转换模型的违约风险溢价预测研究%Predicting Research on Default Risk Premium Based on Markov Switching Model

    Institute of Scientific and Technical Information of China (English)

    赵峰; 张杰

    2014-01-01

    针对违约风险溢价变化依赖于经济波动状态以及市场、宏观经济变量依赖于经济周期时变因素的阶段,基于马尔可夫转换阶段的具体特征,构建马尔可夫违约风险溢价预测转换模型,并以香港恒生指数信用违约互换波动为例,测算因时变系数波动的指数息差、宏观经济变量等概率,通过实证算例剖析股市、宏观经济变量与违约风险溢价之间的内在联动关系和信用违约风险溢价变化的转换机制,以期实现对违约风险溢价能够进行有效预测,实证仿真结果说明了模型的有效性。%For default risk premium depending on the state of economic fluctuations ,macroeconomic variables of markets depending on the stage and variable factors of the economic cycle ,and the specific characteristics of Markov conversion phase , Markov switching model was constructed to examine the conversion mechanism of the credit default risk premium ,and Hang-Seng Index (HSI)CDS volatility was taken as an example to estimate the statistical probabilities of the CDS index spreads , macroeconomic variables induced by the fluctuations of time-varying coefficients . T hen the principle that default risk premium varies depending on the state of economic fluctuations was analyzed in light of the Markov switching model ;the phases of economic cycle were also studied on market and macroeconomic variables in relation to the time-varying factors .The specific characteristics of each phase were checked in Markov switching model ,and the inherent linkage was explored among the stock market ,macroeconomic variables and default risk premium through empirical analysis .Finally ,the default risk premium was effectively predicted .T he simulation results prove the effectiveness of the model .

  3. Mixture approach for optimizing lycopene extraction from tomato and tomato products.

    Science.gov (United States)

    Periago, María Jesús; Rincón, Francisco; Agüera, Maria Dolores; Ros, Gaspar

    2004-09-22

    A simple mixture process design based on the comparison of both quadratic and special cubic models and involving three mixture components (hexane/acetone/ethanol) as a solution for extracting lycopene from raw tomato, tomato sauce, and tomato paste was used to confirm the hypothesis that lycopene extraction rates are a function of the solvent used during the extraction process. Conventional criteria (p lycopene extraction was hexane, there was a positive secondary synergistic interaction of hexane with ethanol (all sample types) and with acetone (tomato paste samples); this suggests that a mixture including all three components is essential for optimizing the extraction process. The partial special cubic model yielded three stationary points, indicating the concentrations of hexane, acetone, and ethanol required to optimize lycopene extraction in raw tomato, tomato sauce, and paste.

  4. Marketing; Il marketing

    Energy Technology Data Exchange (ETDEWEB)

    Muscigna, M. [ENEA, Centro Ricerche Casaccia, S. Maria di Galeria, RM (Italy). Dipt. Innovazione

    1999-07-01

    The report discusses marketing strategies oriented to the organizations and analyzes its critical factors, which determine the success of the organization activity. [Italian] Il rapporto analizza i caratteri delle strategie del marketing orientato all'impresa. Vengono infine analizzati i fattori critici che determinano il successo o l'insuccesso delle scelte aziendali.

  5. The Study of Insurance Premium Rate GIS Mapping Considering the Storm and Flood Hazard Risks

    Science.gov (United States)

    Lee, J. S.; Lee, I. S.

    2016-06-01

    Recently, the number of natural disaster occurrence is increasing because of abnormal changes of weather in Korea. In Korea the storm and flood insurance system is in effect to prevent these natural disasters. The national storm and flood insurance Premium rate is very low and the risk of adverse selection resides because of choosing by who lives in high risk area. To solve these problems, the storm and flood insurance rate map are required. In this study, the prototype of storm and flood insurance premium rate map of the Ulsan, Korea was made and the method of GIS analysis for the insurance premium rate calculating and the procedure of the Ulsan storm and flood insurance rate map were researched.

  6. THE STUDY OF INSURANCE PREMIUM RATE GIS MAPPING CONSIDERING THE STORM AND FLOOD HAZARD RISKS

    Directory of Open Access Journals (Sweden)

    J. S. Lee

    2016-06-01

    Full Text Available Recently, the number of natural disaster occurrence is increasing because of abnormal changes of weather in Korea. In Korea the storm and flood insurance system is in effect to prevent these natural disasters. The national storm and flood insurance Premium rate is very low and the risk of adverse selection resides because of choosing by who lives in high risk area. To solve these problems, the storm and flood insurance rate map are required. In this study, the prototype of storm and flood insurance premium rate map of the Ulsan, Korea was made and the method of GIS analysis for the insurance premium rate calculating and the procedure of the Ulsan storm and flood insurance rate map were researched.

  7. Assessment of Dithiocarbamate Residues on Tomatoes Conventionally Grown in Uganda and the Effect of Simple Washing to Reduce Exposure Risk to Consumers

    DEFF Research Database (Denmark)

    Atuhaire, Aggrey; Kaye, Emmanuel; Mutambuze, Innocent Louis

    2017-01-01

    such tomatoes. Results revealed that mancozeb was the only reported dithiocarbamate, and 47.4% and 14% of farm and market samples, respectively, had dithiocarbamate residues exceeding the Codex alimentarius maximum residue limit of 2 mgCS2/kg. Mixing concentration had a positive significant effect......Pesticide misuse by farmers poses health risks to consumers. This study assessed the level of dithiocarbamate residues in tomatoes acquired from 20 farmers and 25 market vendors in Wakiso District, how simple washing affects these residues, and the potential chronic health risk for Ugandans eating...

  8. EFSA BIOHAZ Panel (EFSA Panel on Biological Hazards), 2014. Scientific Opinion on the risk posed by pathogens in food of non-animal origin. Part 2 (Salmonella and Norovirus in tomatoes)

    DEFF Research Database (Denmark)

    Hald, Tine; Baggesen, Dorte Lau

    the suitability of an EU-wide E. coli Process Hygiene Criterion. There are Food Safety Criteria for the absence of Salmonella in 25 g samples of ready-to-eat pre-cut tomatoes as well as in unpasteurised tomato juice placed on the market during their shelf life. A Food Safety Criterion for Salmonella in whole...... consumption between 2007 and 2012. Risk factors for tomato contamination by Salmonella and Norovirus were considered in the context of the whole food chain. Available estimates of the Salmonella and Norovirus occurrence in tomatoes were evaluated together with mitigation options relating to prevention...... of contamination and the relevance of microbiological criteria. It was concluded that each farm environment represents a unique combination of risk factors that can influence occurrence and persistence of pathogens in tomato production. Appropriate implementation of food safety management systems including Good...

  9. What should be the basis for compulsory and optional health insurance premiums? Opinions of Swiss doctors.

    Science.gov (United States)

    Jannot, Anne-Sophie; Perneger, Thomas V

    2014-02-04

    Little is known about doctors' opinions on how to finance health services. In Switzerland, mandatory basic health insurance currently uses regional flat fees that are unrelated to health and ability to pay, and optional complementary insurance uses risk-based premiums. Our objective was to assess Swiss physicians' opinions on what should determine health insurance premiums. We surveyed doctors in the canton of Geneva, Switzerland, about the desirable funding mechanism for mandatory health insurance and complementary health insurance. The proposed determinants of insurance premiums were current health and past medical history, lifestyle, healthcare costs in the previous year, genetic susceptibility to disease, regional average healthcare costs, household income, and wealth and demographic characteristics. Among the 1,516 respondents, only a few (health insurance premium should depend on health risk (health status, previous costs, genetics, and age and sex). More than 30% of respondents supported premiums based on lifestyle (34.6%), regional average health expenditures (31.2%), and household income and wealth (39.6%). For complementary health insurance, most respondents supported premiums based on lifestyle (74.6%) and on health risk (46.4%), but surprisingly also on household income and wealth (44.9%) and regional average health expenditures (39.4%). The characteristic most influencing the answers was the medical specialty. Doctors' opinions about healthcare financing mechanisms varied considerably, for both mandatory and complementary health insurance. Lifestyle was a surprisingly frequent choice, even though this criterion is not currently used in Switzerland. Ability to pay was not supported by the majority.

  10. The effects of premium changes on ALL Kids, Alabama's CHIP program.

    Science.gov (United States)

    Morrisey, Michael A; Blackburn, Justin; Sen, Bisakha; Becker, David; Kilgore, Meredith L; Caldwell, Cathy; Menachemi, Nir

    2012-01-01

    Describe the trends in enrollment and renewal in the Alabama Children's Health Insurance Plan (CHIP), ALL Kids, since its creation in 1998, and to estimate the effect that an annual premium increase, along with coincident increases in service copays, had on the decision to renew participation. Unlike many other CHIP programs, ALL Kids is a standalone program that provides year long enrollment and contracts with the state's Blue Cross and Blue Shield program for its network of providers and its provider fee structure. In October 2003 premiums for individual coverage were increased by $50 per year and copays by $1 to $3 per visit. This study is based upon a sample of 569,650 person-year observations of 230,255 children enrolled in the ALL Kids program between 1999 and 2009. The study models enrollment as a time series of cross section renewal decisions and specifies a series of linear probability regression models to estimate the effect of changes in the premium shift on the decision to renew. A second analysis includes interaction effects of the premiums shift with demographics, health status, income and previous enrollment to estimate differential response across subgroups. The increases in premiums and copays are estimated to have reduced program renewals by 6.1 to 8.3 percent depending upon how much time one allows for families to renew. Families with a child who has a chronic condition were more likely to renew coverage. However, those with chronic conditions, African-Americans and those with lower family incomes were more price-sensitive. An increase in annual premiums and visit copays had a modest impact on program reenrollment with effects comparable to those found in Florida, New Hampshire, Kansas and Arizona, but smaller than those in Kentucky and Georgia.

  11. Price Differentials in the U.K. Audit Services Market

    OpenAIRE

    Song, Yue

    2009-01-01

    The purpose of this dissertation is to consider whether there are price differentials in the U.K. audit services market under different situations. The empirical studies cover four aspects: Big Four premium; price differentials among accounting firms with different sizes; audit fee differentials within Big Four; audit fee differentials between different industries. The empirical results reveal that audit prices of Big Four differ from Non-Big Four accounting firms. The higher level of au...

  12. Risk premiums in cap rates of investment property

    NARCIS (Netherlands)

    Wouwe, van M.; Berkhout, T.M.; Tansens, P.R.

    2008-01-01

    This article reports the results of a study about the correlations and patterns over time between the composite elements of the initial yield in the prime office and retail property markets in the Netherlands, the United Kingdom (London), Belgium (Brussels), and Germany (Frankfurt). For this study,

  13. COMPARISON OF CAROTENOID CONTENT IN TOMATO, TOMATO PULP AND KETCHUP BY LIQUID CHROMATOGRAPHY

    Directory of Open Access Journals (Sweden)

    J. J. T. GAMA

    2009-01-01

    Full Text Available

    Although tomatoes are commonly consumed fresh, over 80 % the consumption of tomatoes is in the form of processed products such as tomato pulp, ketchup, juice and sauce. Research has indicated the potential health benefits of a diet rich in tomatoes and tomato products. The present study was carried out to determine the carotenoid content of fresh tomato, tomato pulp and ketchup by high performance liquid chromatography. The major differences among these products were in the concentration of some of the pigments. Tomato had all-trans-lycopene (1046-1099 μg/g DW, cislycopene (125-132 μg/g DW and all-trans- -carotene (45-59 μg/g DW as principal carotenoids. Tomato pulp and ketchup had all-trans-lycopene (951-999 μg/g DW and 455-476 μg/g DW, all-trans- -carotene (76-88 DW μg/g and 20-27 DW μg/g and cis-lycopene (71-83 μg/g DW and 14-25 μg/g DW as the main pigments, respectively. They also contained other carotenoids in much smaller amounts (lycoxanthin, zeaxanthin, anteraxanthin, lutein, -carotene, -carotene and phytofluene.

  14. 26 CFR 1.401(e)-4 - Contributions for premiums on annuity, etc., contracts and transitional rule for certain excess...

    Science.gov (United States)

    2010-04-01

    ... made under a qualified pension, annuity, or profit-sharing plan on behalf of a self-employed individual... 26 Internal Revenue 5 2010-04-01 2010-04-01 false Contributions for premiums on annuity, etc... TAXES Pension, Profit-Sharing, Stock Bonus Plans, Etc. § 1.401(e)-4 Contributions for premiums...

  15. Determinants of premiums in aerospace mergers and acquisitions: A preliminary analysis

    Science.gov (United States)

    Bryant, John K.

    There is a large body of literature on different aspects of premiums as they relate to mergers and acquisitions. However, there is very little literature that specifically discusses the determinants of premiums in aerospace. Few industries have experienced the prolonged consolidation that the aerospace industry has seen. Today, the industry is dominated by a few large firms, but there is still merger activity continuing especially with second-tier firms attempting to secure their future through growth. This paper examines several determinants as applied to 18 aerospace mergers of publicly held companies and divisions from 1991 through April of 2002.

  16. Impact of Trade Liberalization on Wage Skill Premium in Philippine Manufacturing

    OpenAIRE

    Rafaelita M. Aldaba

    2013-01-01

    The paper aims to examine how trade liberalization affects wage premium at the firm level. Using effective protection rate as trade proxy, the paper assumes that in the face of increasing competition, an import-substituting firm may decide to remain at the low value-added stage of the production process which requires relatively less skilled workers and suggests a decline in the wage premium. On the other hand, a firm may move away from the product whose protection rate has fallen and shift a...

  17. Exact and asymptotic results for insurance risk models with surplus-dependent premiums

    CERN Document Server

    Albrecher, Hansjörg; Palmowski, Zbigniew; Regensburger, Georg; Rosenkranz, Markus

    2011-01-01

    In this paper we develop a symbolic technique to obtain asymptotic expressions for ruin probabilities and discounted penalty functions in renewal insurance risk models when the premium income depends on the present surplus of the insurance portfolio. The analysis is based on boundary problems for linear ordinary differential equations with variable coefficients. The algebraic structure of the Green's operators allows us to develop an intuitive way of tackling the asymptotic behavior of the solutions, leading to exponential-type expansions and Cram\\'er-type asymptotics. Furthermore, we obtain closed-form solutions for more specific cases of premium functions in the compound Poisson risk model.

  18. Systemic defense signaling in tomato

    Institute of Scientific and Technical Information of China (English)

    LI Changbao; SUN Jiaqiang; JIANG Hongling; WU Xiaoyan; LI Chuanyou

    2005-01-01

    The wound-inducible expression of proteinase inhibitors (PIs) genes in tomato provides a powerful model system to elucidate the signal transduction pathway of sys- temic defense response. An increasing body of evidence indi- cates that systemin and jasmonic acid (JA) work in the same signaling pathway to activate the expression of PIs and other defense-related genes. However, little is known about how systemin and JA interact to regulate cell to cell communica- tion over long distances. Genetic analysis of the systemin/JA signaling pathway in tomato plants provides a unique opportunity to dissect the mechanism by which peptide and oxylipin signals interact to coordinate systemic expression of defense-related genes. Previously, it has been proposed that systemin is the long-distance mobile signal for systemic expression of defense related genes. However, recent genetic approach provided new evidence that jasmonic acid, rather than systemin, functions as the systemic wound signal, and that the peptide systemin works to regulate the biosynthesis of JA.

  19. 我国名优茶发展现状与趋势%Current Situation and Tendency on the Development of Chinese Premium Teas

    Institute of Scientific and Technical Information of China (English)

    周智修; 段文华; 吴海燕; 司智敏

    2013-01-01

    The current situation and tendency of the development for Chinese premium teas were investigated in analyzing the results of 3948 tea samples in nine “Zhongcha Cup” country wide premium tea competitions during 1994~2011. All the six types of Chinese tea developed well. Among them, green tea was the main tea, Oolong tea and dark tea increased steadily, black, white and yellow teas were in recovery growth. In the four tea growing areas, the Jiangnan (south Yangtze River) tea area developed strongly and has the highest prize awarded ratio. The premium tea in Zhejiang Province is leading its development in China, the quality of Jiangsu premium tea is at the top, Shandong province, a north tea area, has strong marketing and competition consciousness. And Fujian, Sichuan, Hubei, Guizhou, Guangdong, Anhui are also important premium tea producing provinces. The ratio of tea sample made by clonal tea cultivars increased continuously. „Fuding Dabaicha‟, „Baiye 1‟, „Fuding Dahaocha‟, Longjing series clones are main clonal tea cultivars. The quality of premium tea increased steadily. Nevertheless, the tea appearance is becoming similar. Hygian safety (the situation of heavy metal, pesticide residues) was satisfactory, and organic tea developed rather fast. The ratios of machinery processing, producing according to standard, and trade mark increased year by year and reached a higher level.%  通过对1994~2011年连续九届3948只“中茶杯”名优茶评比茶样数据分析,结果表明,我国六大茶类名优茶均呈现发展态势,绿茶是发展的主茶类,乌龙茶、黑茶稳步增长,红茶、白茶和黄茶呈恢复性增长。四大茶区中,江南茶区获奖率最高,发展势头强劲;浙江名优茶产业引领我国名优茶发展,江苏名优茶总体质量位居全国前列,山东显现强烈的市场竞争意识,福建、四川、湖北、贵州、广东和安徽等省也占重要地位。无性系品种茶样

  20. Quality evaluation of fresh market tomato treated with ethylene

    OpenAIRE

    Caroline Andreuccetti

    2005-01-01

    Resumo: O tomate é uma das principais hortaliças cultivadas no Brasil. Procurou-se a partir de duas cultivares avaliar a qualidade pós-colheita desses frutos, colhidos no estádio de amadurecimento verde-maduro, submetidos ao tratamento com gás etileno. As cultivares utilizadas foram Débora e Andréa. O tratamento utilizado foi realizado a partir de mistura gasosa, etil 5% diluído em ar comprimido, fluxo dinâmico por 48 horas à temperatura ambiente de 20º±1ºC e umidade relativa de 90±5%. A conc...

  1. Testing the Performance of Fresh Tomato Markets Following Import ...

    African Journals Online (AJOL)

    A chronic issue of policy concern in Ghana is the implication of trade .... in trade flow, and non-stationarity in commodity prices and transactions costs ... The dataset for the analysis comprises a low-frequency (monthly) wholesale level price.

  2. Asignación de primas en el seguro del automóvil utilizando el Análisis en ComponentesPrincipales Funcionales = Premium allocation in the car insurance by using Functional Principal Component Analysis.

    Directory of Open Access Journals (Sweden)

    Herranz Peinado, C. Patricia

    2007-01-01

    Full Text Available El estudio de las primas de riesgo en el seguro del automóvil es de suma importancia, debido a la gran competitividad existente en el mercado asegurador. En este artículo se pretende proponer un sistema de bonificación-penalización de las primas de riesgo utilizando el Análisis Funcional en Componentes Principales. En concreto, se realiza un estudio empírico con los datos reales de una compañía aseguradora con cobertura nacional. Aplicando el sistema propuesto de bonificación-penalización a los perfiles de comportamiento de los asegurados, se obtienen las primas de riesgo para cada uno de los perfiles considerados y tramos de edad. = The study of the premium risk in the car insurance is really important because the insurance market is very competitive. In this article we show a bonus-malus method of risk premiums. To do this, we use the Functional Principal Component Analysis. More precisely, we explain an empirical study with the real data of an insurance company. By applying the bonus-malus method that we have given, we are able to obtain the premium risk for different profiles and age ranges.

  3. Recognition of artificial ripening tomato and nature mature tomato based on computer vision%基于计算机视觉的番茄催熟与正常熟识别

    Institute of Scientific and Technical Information of China (English)

    赵海波; 周向红

    2011-01-01

    国内常有菜农采摘远离成熟期的番茄,采用乙烯利处理进行催熟,为了阻止催熟番茄进入瓜果市场危害食用者的身体健康,给出了催熟番茄识别系统的硬件组成,通过计算机视觉装置获取番茄透射光颜色参数(R、G、B),并将RGB值转换成HIS值,采用遗传算法训练的多层前馈神经网络实现催熟番茄的自动识别.试验结果表明,系统正确识别率为91.7%,为进一步进行番茄催熟与正常熟识别的研究提供参考.%Nowadays some vegetable farmers pick unripe tomatoes and treat them with ethylene to quicken ripeness in China. In order to keep artificial ripening tomato which harming consumer's health from entering into melon and fruit market, the hardware structure of artificial ripening tomato recognition system was given. The colour parameters RGB (red, green, blue) of transmitted light of tomatoes were obtained through computer vision device, and the RGB values were converted into HIS (hue, intensity, saturation) values. The multilayer feedforward neural networks with genetic algorithm training realized the automated recognition of artificial ripening tomato. The results of test showed that accurate recognition rate of the system was 91.7%, and the method can provide references for further research on recognition of artificial ripening tomato and nature mature tomato.

  4. THE NEW DIMENSIONS OF THE INSURANCE MARKET IN ROMANIA IN THE CONDITIONS OF FINANCIAL CRISIS

    Directory of Open Access Journals (Sweden)

    CRISTINA MIHAELA NAGY

    2012-11-01

    Full Text Available Insurance in modern society has developed both because of the awareness of risks and increase of their range, as a result of new techniques and technologies, explosive growth in transport, as well as other economic and social issues arising from growth and complexity generating stress of daily life. In Romania in 2009 the volume of subscribed gross premiums decreased, the Romanian insurance market is influenced by the global and European insurance market.

  5. Exchange Rate Forecasting Techniques, Survey Data, and Implications for the Foreign Exchange Market

    OpenAIRE

    Frankel, Jeffrey A.; Kenneth Froot

    1990-01-01

    The paper presents new empirical results that elucidate the dynamics of the foreign exchange market. The first half of the paper is an updated study of the exchange rate expectations held by market participants, as reflected in responses to surveys, and contains the following conclusions. First, the bias observed in the forward discount as a predictor of the future spot rate is not attributable to an exchange risk premium, as is conventionally believed. Second, at short horizons forecasters t...

  6. Solidarity in competitive markets for supplementary health insurance: an empirical analysis

    OpenAIRE

    Francesco Paolucci; Femmeke Prinsze; Pieter JA Stam; Wynand PMM van de Ven

    2006-01-01

    Many countries are considering the option of reducing the share of mandatory health insurance (MHI) and to increasingly rely on voluntary (supplementary) health insurance (VHI) schemes to cover health care expenditures. It is well-known that competitive markets for VHI tend to risk-rated premiums. After discussing the determinants of riskrating in competitive VHI markets, we provide empirical evidence of the potential reduction of (risk-) solidarity caused by the transfer of benefits from MHI...

  7. Market assessment of photovoltaic power systems for agricultural applications in Nigeria

    Science.gov (United States)

    Staples, D.; Steingass, H.; Nolfi, J.

    1981-01-01

    The market potential for stand-alone photovoltaic systems in agriculture was studied. Information is presented on technical and economically feasible applications, and assessments of the business, government and financial climate for photovoltaic sales. It is concluded that the market for stand-alone systems will be large because of the availability of captial and the high premium placed on high reliability, low maintenance power systems. Various specific applications are described, mostly related to agriculture.

  8. Identification of defense-related genes associated with tomato Sw-7 line against Tomato spotted wilt virus in tomato through transcriptome analysis

    Science.gov (United States)

    Tomato spotted wilt virus (TSWV) is a highly infectious tospovirus, and one of the most damaging plant viruses infecting tomatoes worldwide. Developing a tomato cultivar with TSWV-resistance would be the most effective approach for disease management. Comparative analysis of differential expression ...

  9. 38 CFR 8.15 - Provision for paid-up insurance; other than 5-year level premium term or limited convertible 5...

    Science.gov (United States)

    2010-07-01

    ... Service Life Insurance policy on any plan other than 5-year level premium term or limited convertible 5... insurance; other than 5-year level premium term or limited convertible 5-year level premium term policies. 8... SERVICE LIFE INSURANCE Extended Term and Paid-up Insurance § 8.15 Provision for paid-up insurance;...

  10. Research Progress in Tomato Responses to Abiotic Stress

    Institute of Scientific and Technical Information of China (English)

    Jianing XU; Gang LIU; Liyun ZHANG

    2016-01-01

    Tomato is a kind of vegetable with high economic benefits in protected farmland.Accounting for 30% of vegetable planting area in the entire protected farmland,tomato plays an essential role in cultivation of protected vegetable.Different abiotic stresses have different degrees of influence on growth and development,yield,and fruit quality of tomatoes.Therefore,finding out life activity rules of tomatoes under different abiotic stresses will be of great significance to breeding for stress tolerance and increasing tomato yield and income.This paper made an overview of research progress in tomato responses to abiotic stress in growth and development,physiology and biochemistry,and gene regulation.

  11. postharvest fungal deterioration of tomato (lycopersicum esculentum ...

    African Journals Online (AJOL)

    Dr A.B.Ahmed

    the effect of some fungal species on the nutritional worth of tomatoes .... flask and then boiled for another 30minutes under the cold-finger condenser rotating the ..... mycotoxicoses, liver damage, suppression of the immune system and death ...

  12. Dynamic headspace analysis of fresh tomato juices.

    Science.gov (United States)

    Sucan, M K; Russell, G F

    2001-01-01

    The methods used to isolate volatile compounds for GC analyses can cause profound effects on the quantitative and qualitative composition of the injected sample, and exert a great influence in the resultant bioactivity of volatiles. Especially with plant tissues like tomatoes, the isolation of volatile constituents using classical methods may yield results which are not representative of the chemicals present in the natural material. Headspace sampling methods may be advantageous in capturing the same volatile compounds emitted from tomatoes that are detected by the human nose. This study utilized an extremely sensitive dynamic headspace sampling with thermal desorption method to determine volatile components of fresh tomato juices. The method proved very sensitive for the isolation of tomato volatiles and concentrations of flavor compounds were much greater than related literature studies.

  13. Turkish tomato greenhouse gets geothermal heating

    NARCIS (Netherlands)

    Sikkema, A.; Maaswinkel, R.H.M.

    2011-01-01

    Wageningen UR Greenhouse Horticulture will set up an ultramodern greenhouse in Turkey, together with Dutch greenhouse builders and contractors. Geothermal energy will be used there to provide heat and carbon dioxide for tomato cultivation.

  14. Callus formation and organogenesis of tomato (Lycopersicon ...

    African Journals Online (AJOL)

    USER

    2010-07-12

    Jul 12, 2010 ... In vitro culture response was assessed in tomato (Lycopersicon esculentum Mill. c. v. Omdurman) for ... successful application of plant tissue culture presupposes the establishment of ..... Kino (Pterocarpus marsupium Roxb.) ...

  15. Genetic analysis of reproductive development in tomato.

    Science.gov (United States)

    Lozano, Rafael; Giménez, Estela; Cara, Beatriz; Capel, Juan; Angosto, Trinidad

    2009-01-01

    Besides being an important commercial crop, tomato (Solanum lycopersicum L.) constitutes a model species for the study of plant developmental processes. Current research tends to combine classic disciplines such as physiology and genetics with modern approaches coming from molecular biology and genomics with a view to elucidating the biological mechanisms underlying plant architecture, floral transition and development of flowers and fruits. Comparative and functional analyses of tomato regulatory genes such as LATERAL SUPPRESSOR (LS), SELF PRUNING (SP), SINGLE FLOWER TRUSS (SFT) and FALSIFLORA (FA) have revealed mechanisms involved in shoot development and flowering time which are conserved among Arabidopsis, tomato and other plant species. Furthermore, several regulatory genes encoding transcription factors have been characterized as responsible for singular features of vegetative and reproductive development of tomato. Thus, the sympodial growth habit seems to require a specific control of the developmental fate followed by shoot meristems. In this process, novel genetic and molecular interactions involving SP, SFT and FA genes would be essential. Also this latter, but mainly ANANTHA (AN) and COMPOUND INFLORESCENCE (S) have recently been found to regulate the inflorescence architecture of the tomato. Concerning fruit development, genetic and molecular analyses of new genes such as fw2.2, FASCIATED, OVATE and SUN have proved their contribution to the domestication process and most importantly, their function as key regulators of fruit size and shape variation. Tomato ripening is also being elucidated thanks to the characterization of regulatory genes such as RIPENING INHIBITOR (RIN), NON-RIPENING (NOR), TDR4 and COLORLESS NON-RIPENING (CNR), which have been found to control early stages of fruit development and maturation. At the same time, much research is dedicated to isolating the targets of the ripening regulators, as well as the key genes promoting the

  16. Monitoring rhizosphere microbial communities of tomato

    OpenAIRE

    Deery, Sarah Jane

    2012-01-01

    Tomato is an economically important crop that can be devastated by many root infecting pathogens. The development of alternative and sustainable crop cultivation techniques and disease control methods is a must for the tomato industry, due to more strict government regulations and concerns over the sustainability of conventional chemical-intensive agriculture (Dixon and Margerison, 2009). In this thesis, the molecular fingerprinting method Terminal-Restriction Fragment Length Polymorphis...

  17. Beauty premium: Event-related potentials evidence of how physical attractiveness matters in online peer-to-peer lending.

    Science.gov (United States)

    Jin, Jia; Fan, Bonai; Dai, Shenyi; Ma, Qingguo

    2017-02-15

    Although it is well known that attractiveness-based impressions affect the labor market, election outcomes and many other social activities, little is known about the role physical attractiveness plays in financial transactions. With the development of online finance, peer-to-peer lending has become one of the most important ways in which businesses or individuals raise capital. However, because of information asymmetry, the lender must decide whether or not to lend money to a stranger based on limited information, resulting in their decision being influenced by many other factors. In the current study, we investigated how potential borrowers' facial attractiveness influenced lenders' attitudes toward borrowers' repayment behavior at the brain level by using event-related potentials. At the priming stage, photos of attractive borrowers induced smaller N200 amplitude than photos of unattractive borrowers. Meanwhile, at the feedback stage, compared with the condition of repaying on time, breach of repayment from unattractive borrowers induced larger feedback-related negativity (FRN) amplitude, which was a frontal-central negative deflection and would be enhanced by the unexpected outcome. Furthermore, smaller P300 amplitude was also elicited by the condition of not repaying on time. These differences in the FRN and P300 amplitudes were not observed between negative and positive feedback from attractive borrowers. Therefore, our findings suggest that the beauty premium phenomenon is present in online peer-to-peer lending and that lenders were more tolerant toward attractive borrowers' dishonest behavior.

  18. IDENTIFICATION OF THE BACTERIUM TOMATO STEM CANKER

    Directory of Open Access Journals (Sweden)

    Goner A. Shaker

    2014-01-01

    Full Text Available Diseased tomato samples were collected from green house was evaluated for isolation, pathogenicity and biochemical tests. The symptoms of the infected tomato plants were as sudden wilting after curled on leaves and necrotic streak regions developed at the crown and base of the stem and the cavities deepen and expand up and down, brown discoloration and necrosis occurring on xylem and phloem vasculer. All of ages of tomato plant were susceptible to bacteria when the weather condition favorable and immediately, seen collapse symptom on tomato plant at once fail and die. The bacterium was isolated from diseased plant in all regions on nutrient Agar; a yellow bacterium was isolated from infected tomato plant in green houses and fields in Abu-Ghraib, Rashiedia and Qanat Al-Geiaysh nurseries in Baghdad provinces of Iraq. The bacterium was found gram positive, rod-shaped, non-motile and capable an aerobic growth and based on the morphological and biochemical characteristics revealed that this bacterium belongs to: Clavibacter michiganensis subsp. michiganensis. (smith pathogenicity and hypersensitivity of the bacterium Cmm showed the disease index were 18.33, 6.66, 16.66, 5, 0% for tomato seedlings were inoculated treatments as the wounding roots, without wounding roots, crown of the stem, petiole and control respectively.

  19. Induction of electrophile-responsive element (EpRE)-mediated gene expression by tomato extracts in vitro.

    Science.gov (United States)

    Gijsbers, Linda; van Eekelen, Henriëtte D L M; Nguyen, Thuy H; de Haan, Laura H J; van der Burg, Bart; Aarts, Jac M M J G; Rietjens, Ivonne M C M; Bovy, Arnaud G

    2012-12-01

    The market for food products with additional health benefits is increasing rapidly and tools for identification of bio-functional characteristics of food items are essential. To facilitate the detection of beneficial effects of tomato on gene expression, methods to prepare tomato extracts suitable to test in the EpRE LUX assay and other cell-based reporter gene assays for health-related bioactivity mechanisms, were developed. An isoprenoid-containing chloroform extract of tomato fruit and most individual isoprenoids did not induce electrophile-responsive element (EpRE)-mediated gene expression. A semi-polar extract of tomato fruits, enzymatically hydrolysed to remove the glycosyl residues from the phenolic ingredients was able to induce EpRE-mediated luciferase expression at both mRNA and protein level, which might be partly due to the presence of quercetin, kaempferol, naringenin and naringenin chalcone. It was concluded that induction of EpRE-regulated genes, such as detoxifying phase II and antioxidant enzymes, may contribute to the beneficial health effects of tomato.

  20. Nondestructive determination of solids and carotenoids in tomato products by near-infrared spectroscopy and multivariate calibration.

    Science.gov (United States)

    Pedro, André M K; Ferreira, Márcia M C

    2005-04-15

    Tomato is an important player in the agricultural market. It is the second most consumed vegetable in the world and is a source of important micronutrients such as lycopene and beta-carotene. Recent research has demonstrated that these carotenoids can act as free-radical quenchers in the body and prevent aging, tissue damage, heart disease, and certain cancers. Besides these microcomponents, tomato is composed of soluble and insoluble solids. In industry, these solids govern factory yield and play a major role in the tomato trade. Nowadays, standard methods for determining tomato solids and carotenoids are time and labor consuming. In this work, we present the development of a simultaneous and nondestructive method for determining total and soluble solids, as well as lycopene and beta-carotene, in tomato products by near-infrared spectroscopy. PLS-1 was the calibration technique chosen. For spectra preprocessing, MSC and second derivative were applied. As variable selection techniques, the correlogram cutoff, the successive projections algorithm, the dimension wise selection, and spectra splitting approach were applied. Best models presented satisfactory prediction abilities evaluated through its RMSEP and r values: total solids 0.4157, 0.9998; soluble solids 0.6333, 0.9996; lycopene 21.5779, 0.9996; beta-carotene 0.7296, 0.9981.

  1. Return and Liquidity Relationships on Market and Accounting Levels in Brazil

    Directory of Open Access Journals (Sweden)

    Fernanda Finotti Cordeiro Perobelli

    2016-08-01

    Full Text Available ABSTRACT This article discusses profitability-liquidity relationships on accounting and market levels for 872 shares of publicly-traded Brazilian companies, observed between 1994 and 2013. On the market level, the assumption is that share liquidity is able to reduce some of the risks incurred by investors, making them more willing to pay a higher price for liquid shares, which would lower expected market returns. On the accounting level, the basic hypothesis argues that a firm's holding more liquid assets is related to a conservative investment policy, possibly reducing accounting returns for shareholders. Under the assumption of financial constraint, however, more accounting liquidity would allow positive net present value investments to be carried out, increasing future accounting returns, which would positively affect market liquidity and share prices in an efficient market, resulting in a lower market risk/expected return premium. Under the assumption of no financial constraint, however, more accounting liquidity would only represent a carry cost, compromising future accounting returns, which would adversely affect market liquidity and share prices and result in a higher market risk/expected return premium. Among the hypotheses, the presence of a negative market liquidity premium was verified in Brazil, with shares that traded more exhibiting a higher expected market return. On the margins of the major theories on the subject, only two negative relationships between excess accounting liquidity and market liquidity and accounting return, supporting the carry cost assumption for financially unconstrained firms, were verified. In terms of this paper's contributions, there is the analysis, unprecedented in Brazil as far as is known, of the relationship between liquidity and return on market and accounting levels, considering the financial constraint hypothesis to which the firms are subject.

  2. 26 CFR 1.822-10 - Amortization of premium and accrual of discount.

    Science.gov (United States)

    2010-04-01

    ... companies by section 818(b)(1), as amended by the Life Insurance Company Income Tax Act of 1959 (73 Stat... (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES Mutual Insurance Companies (other Than Life and Certain... premium required in the computation of taxable investment income by a company subject to the tax imposed...

  3. 29 CFR 778.206 - Premiums for work outside basic workday or workweek-examples.

    Science.gov (United States)

    2010-07-01

    ..., DEPARTMENT OF LABOR STATEMENTS OF GENERAL POLICY OR INTERPRETATION NOT DIRECTLY RELATED TO REGULATIONS OVERTIME COMPENSATION Payments That May Be Excluded From the âRegular Rateâ Extra Compensation Paid for... regular workday or workweek. The extra compensation provided by such premium rates will be excluded...

  4. 75 FR 21329 - Medicaid Program; State Allotments for Payment of Medicare Part B Premiums for Qualifying...

    Science.gov (United States)

    2010-04-23

    ...), specified low-income Medicare ] beneficiaries (SLMBs), and qualified disabled and working individuals (QDWIs... Medicaid whose family income is at least 120 percent but less than 135 percent of the poverty level. With..., among the States, Federal funds to provide Medicaid payment for Medicare Part B premiums for low-...

  5. 77 FR 15319 - Treasury Inflation-Protected Securities Issued at a Premium; Hearing Cancellation

    Science.gov (United States)

    2012-03-15

    ... From the Federal Register Online via the Government Publishing Office DEPARTMENT OF THE TREASURY Internal Revenue Service 26 CFR Part 1 RIN 1545-BK45 Treasury Inflation-Protected Securities Issued at a Premium; Hearing Cancellation AGENCY: Internal Revenue Service (IRS), Treasury. ACTION: Cancellation...

  6. 76 FR 75829 - Treasury Inflation-Protected Securities Issued at a Premium

    Science.gov (United States)

    2011-12-05

    ... From the Federal Register Online via the Government Publishing Office DEPARTMENT OF THE TREASURY Internal Revenue Service 26 CFR Part 1 RIN 1545-BK45 Treasury Inflation-Protected Securities Issued at a Premium AGENCY: Internal Revenue Service (IRS), Treasury. ACTION: Notice of proposed rulemaking by...

  7. 76 FR 75781 - Treasury Inflation-Protected Securities Issued at a Premium

    Science.gov (United States)

    2011-12-05

    ... From the Federal Register Online via the Government Publishing Office DEPARTMENT OF THE TREASURY Internal Revenue Service 26 CFR Part 1 RIN 1545-BK46 Treasury Inflation-Protected Securities Issued at a Premium AGENCY: Internal Revenue Service (IRS), Treasury. ACTION: Temporary regulations. SUMMARY:...

  8. Children's health insurance program premiums adversely affect enrollment, especially among lower-income children.

    Science.gov (United States)

    Abdus, Salam; Hudson, Julie; Hill, Steven C; Selden, Thomas M

    2014-08-01

    Both Medicaid and the Children's Health Insurance Program (CHIP), which are run by the states and funded by federal and state dollars, offer health insurance coverage for low-income children. Thirty-three states charged premiums for children at some income ranges in CHIP or Medicaid in 2013. Using data from the 1999-2010 Medical Expenditure Panel Surveys, we show that the relationship between premiums and coverage varies considerably by income level and by parental access to employer-sponsored insurance. Among children with family incomes above 150 percent of the federal poverty level, a $10 increase in monthly premiums is associated with a 1.6-percentage-point reduction in Medicaid or CHIP coverage. In this income range, the increase in uninsurance may be higher among those children whose parents lack an offer of employer-sponsored insurance than among those whose parents have such an offer. Among children with family incomes of 101-150 percent of poverty, a $10 increase in monthly premiums is associated with a 6.7-percentage-point reduction in Medicaid or CHIP coverage and a 3.3-percentage-point increase in uninsurance. In this income range, the increase in uninsurance is even larger among children whose parents lack offers of employer coverage. Project HOPE—The People-to-People Health Foundation, Inc.

  9. 76 FR 38389 - Policy Statement Concerning Adjustments to the Insurance Premiums and Policy Statement on the...

    Science.gov (United States)

    2011-06-30

    ... Act and clarify the effect of the premium provisions of the Act as amended by the FCE Act. See 74 FR... Credit System demonstrates good health and sound risk management and other conditions warrant, and raise... quality of capital, earnings, asset growth, asset quality, loss allowance levels, asset...

  10. Perception and description of premium beers by panels with different degrees of product expertise

    DEFF Research Database (Denmark)

    Giacalone, Davide; Ribeiro, Leticia Machado; Frøst, Michael Bom

    2016-01-01

    The present study compares subjects with varying degrees of product expertise with regards to their ability to provide a sensory profile of beverages. Eight premium beers were evaluated by three different panels using a Napping® test, followed by a descriptive task. Two panels were constituted of...

  11. 78 FR 59366 - Multifamily, Healthcare Facilities, and Hospital Mortgage Insurance Premiums for Fiscal Year (FY...

    Science.gov (United States)

    2013-09-26

    ... insurance premiums (MIPs) for Federal Housing Administration (FHA) Multifamily, Healthcare Facilities, and... MIPs are the same as in FY 2013. In addition, the Notice clarifies that conventional or FHA-insured... affordability criteria as defined in this Notice, are eligible for the LIHTC MIPs as are projects with new...

  12. Rating a Wildfire Mitigation Strategy with an Insurance Premium: A Boreal Forest Case Study

    Directory of Open Access Journals (Sweden)

    Georgina Rodriguez-Baca

    2016-05-01

    Full Text Available Risk analysis entails the systematic use of historical information to determine the frequency, magnitude and effects of unexpected events. Wildfire in boreal North America is a key driver of forest dynamics and may cause very significant economic losses. An actuarial approach to risk analysis based on cumulative probability distributions was developed to reduce the adverse effects of wildfire. To this effect, we developed spatially explicit landscape models to simulate the interactions between harvest, fire and forest succession over time in a boreal forest of eastern Canada. We estimated the amount of reduction of timber harvest necessary to build a buffer stock of sufficient size to cover fire losses and compared it to an insurance premium estimated in units of timber volume from the probability of occurrence and the amount of damage. Overall, the timber harvest reduction we applied was much more costly than the insurance premium even with a zero interest rate. This is due to the fact that the insurance premium is directly related to risk while the timber harvest reduction is not and, as a consequence, is much less efficient. These results, especially the comparison with a standard indicator such as an insurance premium, have useful implications at the time of choosing a mitigation strategy to protect timber supplies against risk without overly diminishing the provision of services from the forest. They are also promoting the use of insurance against disastrous events in forest management planning.

  13. Pricing Rate of Return Guarantees in Regular Premium Unit Linked Insurance

    NARCIS (Netherlands)

    Schrager, D.F.; Pelsser, A.

    2004-01-01

    We derive general pricing formulas for Rate of Return Guarantees in Regular Premium Unit Linked Insurance under stochastic interest rates. Our main contribution focusses on the effect of stochastic interest rates. First, we show the effect of stochastic interest rates can be interpreted as, what is

  14. 5 CFR 9901.363 - Premium pay for health care personnel.

    Science.gov (United States)

    2010-01-01

    ... status. (6) An employee may not be charged leave during periods of regularly scheduled on-call duty; nor may such an employee receive on-call premium pay when, because of leave or other authorized absence... LABOR RELATIONS SYSTEMS (DEPARTMENT OF DEFENSE-OFFICE OF PERSONNEL MANAGEMENT) DEPARTMENT OF...

  15. 75 FR 5808 - Publication of Model Notice for Employers to Use Regarding Eligibility for Premium Assistance...

    Science.gov (United States)

    2010-02-04

    ... Insurance Program (CHIP). The Department of Labor (Department) is required to provide the model notice to... Benefits Security Administration Publication of Model Notice for Employers to Use Regarding Eligibility for Premium Assistance Under Medicaid or the Children's Health Insurance Program, Notice AGENCY:...

  16. 75 FR 16645 - Increase in the Primary Nuclear Liability Insurance Premium

    Science.gov (United States)

    2010-04-02

    ... COMMISSION 10 CFR Part 140 RIN 3150-AI74 Increase in the Primary Nuclear Liability Insurance Premium AGENCY... amending its regulations that govern financial protection requirements and indemnity agreements to increase... increase to $375 million, based on an adjustment by American Nuclear Insurers (ANI), which currently writes...

  17. 29 CFR Appendix to Part 4007 - Policy Guidelines On Premium Penalties

    Science.gov (United States)

    2010-07-01

    ... circumstances. (c) Action or inaction of outside parties. In some cases an accountant, actuary, lawyer, pension...) Action or inaction of outside parties. If an accountant, actuary, lawyer, pension consultant, or other... underpaid the plan's variable-rate premium because the plan actuary used the wrong interest rate. A...

  18. Education Premiums and Skilled Migration in Mexico: Lessons for an Educational Policy

    Science.gov (United States)

    Tigau, Camelia; Guerra, Bernardo Bolaños

    2015-01-01

    This paper examines the relationship between skills prices (wage premiums) and inequality in migrant sending countries (mainly from Latin America) and explores the implications for education policies. Most of the evidence is based on the case of Mexico, a Latin American country that is also an Organisation for Economic Co-operation and Development…

  19. How Pensions Contribute to the Premium Paid to Experienced Public School Teachers

    Science.gov (United States)

    McGee, Joshua B.; Winters, Marcus A.

    2017-01-01

    Many argue that public school systems should stop linking teachers' salaries so closely to their years of experience. However, the effect of deferred retirement compensation on the premium paid to experienced teachers has, to date, been underappreciated. To shed more light on this issue, we calculate the total compensation earned by teachers in…

  20. 18 CFR 367.4290 - Account 429, Amortization of premium on debt-Credit.

    Science.gov (United States)

    2010-04-01

    ..., Amortization of premium on debt-Credit. 367.4290 Section 367.4290 Conservation of Power and Water Resources... COMPANY ACT OF 2005, FEDERAL POWER ACT AND NATURAL GAS ACT UNIFORM SYSTEM OF ACCOUNTS FOR CENTRALIZED SERVICE COMPANIES SUBJECT TO THE PROVISIONS OF THE PUBLIC UTILITY HOLDING COMPANY ACT OF 2005,...