Abstract: The aim of paper is to analyze business models of bancassurance in Italy for life business. The life insurance business is very developed in the Italian market and banks branches have 80% of the market share. Given its maturity, the life insurance market needs to consolidate its organizational form to allow for the development of non-life business, which nowadays collects few premiums but represents a great opportunity to enlarge the market share of bancassurance using its strength in the distribution channel while the market share of independent agents is decreasing. Starting with the main business model of bancassurance for life business, this paper will analyze the performances of life companies in the Italian market by balance sheet indicators and by main discriminant variables of business models. The study will observe trends from 2013 to 2015 for the Italian market by exploiting a database managed by Associazione Nazionale delle Imprese di Assicurazione (ANIA). The applied approach is based on a bottom-up analysis starting with variables and indicators to define business models’ classification. The statistical classification algorithm proposed by Ward is employed to design business models’ profiles. Results from the analysis will be a representation of the main business models built by their profile related to indicators. In that way, an unsupervised analysis is developed that has the limit of its judgmental dimension based on research opinion, but it is possible to obtain a design of effective business models.
Abstract: Phelipanche ramosa L. Pomel is a root holoparasitic weed plant of many cultivations, particularly of tomato (Lycopersicum esculentum L.) crop. In Italy, Phelipanche problem is increasing, both in density and in acreage. The biological control of this parasitic weed involves the use of living organisms as numerous fungi and bacteria that can infect the parasitic weed, while it may improve the crop growth. This paper deals with the biocontrol with microorganism, including Arbuscular mycorrhizal (AM) fungi and fungal pathogens as Fusarium oxisporum spp. Colonization of crop roots by AM fungi can provide protection of crops against parasitic weeds because of a reduction in their seed germination and attachment, while F. oxisporum, isolated from diseased broomrape tubercles, proved to be highly virulent on P. ramosa. The experimental trial was carried out in open field at Foggia province (Apulia Region, Southern Italy), during the spring-summer season 2016, in order to evaluate the effect of four biological treatments: AM fungi and Fusarium oxisporum applied in the soil alone or combined together, and Rizosum Max® product, compared with the untreated control, to reduce the P. ramosa infestation in processing tomato crop. The principal results to be drawn from this study under field condition, in contrast of those reported previously under laboratory and greenhouse conditions, show that both AM fungi and F. oxisporum do not provide the reduction of the number of emerged shoots of P. ramosa. This can arise probably from the low efficacy seedling of the agent pathogens for the control of this parasite in the field. On the contrary, the Rizosum Max® product, containing AM fungi and some rizophere bacteria combined with several minerals and organic substances, appears to be most effective for the reduction of P. ramosa infestation.
Abstract: The aim of this study is to evaluate the efficacy of radon remedial action in a school on the Ischia island, South Italy, affected by indoor radon concentration higher than the value of 500 Bq/m3. This value is the limit imposed by the Italian legislation, to above which corrective actions in schools are necessary. Before the application of remedial action, indoor radon concentrations were measured in 9 rooms of the school. The measurements were performed with LR-115 passive alpha detectors (SSNTDs) and E-Perm. The remedial action was conducted in one of the office affected by high radon concentration using a Radonstop paint applied after the construction of a concrete slab under the floor. The effect of remedial action was the reduction of the concentration of radon of 41% and moreover it has demonstrated to be durable over time. The chosen method is cheap and easy to apply and it could be designed for various types of building. This method can be applied to new and existing buildings that show high dose values.
Abstract: Europe is one of the most popular tourist destinations in the world, in which tourism occupies a significant place among the most relevant economic activities, and this applies to the Republic of Croatia as well. Based on this study, the authors intended to encourage and support the creation of an effective tourism policy in Croatia that would be based on the profiling of certain target groups. Another objective was to compare the results obtained from the customer analysis with the market analysis of the tourism industry in Croatia. The objective is to adapt the current tourist offer according to the identified needs and expectations of a particular tourist group in order to increase the attractiveness of Croatia as a tourist destination and motivate greater attendance of the targeted tourist groups. The current research was oriented towards the Russian market as the target group. Therefore, the authors wanted to encourage a discussion on how to attract more Russian guests. Consequently, the intention of the research was a detailed analysis of Russian tourists, in order to gain a better understanding of their travelling motives and tendencies. Furthermore, attention was paid to the expectations of Russian customers and to compare them with the Croatian tourist offer, and to determine whether there is a possibility for an overlap. The method used to obtain the information required was a survey conducted among Russian citizens about their travelling habits. The research was carried out on the basis of 166 participants of different age, gender, profession and income group. The sampling and distribution of the survey took place between May and July 2016. The results provided from the research indicate that Croatian tourism has certain unrealized potential considering the popularization of Croatia as a tourist destination, and there is a capacity for increasing the revenues within the group of Russian tourists. Such a conclusion is based on the fact that the Croatian tourist offer and the preferences of the Russian guests are compatible, i.e. they overlap in many aspects. The results demonstrate that beautiful nature, cultural and historical heritage as well as the sun and sea, play a leading role in attracting more Russian tourists. It is precisely these elements that form the three pillars of the Croatian tourist offer. On the other hand, the profiling revealed that the most desirable destinations for the Russian guests are Italy and Spain, both of which provide the same main tourist attractions as Croatia. Therefore, the focus of the strategic ideas given in the paper shifted to other tourism segments, such as type of accommodation, sales channels, travel motives, additional offer and seasonality etc., in order to gain advantage in the Russian market, the Mediterranean region and tourism in general. The purpose of the research is to serve as a foundation for analysing the attractiveness of the other tourist destinations in the Russian market, as well as to be a general basis for a more detailed profiling of the various specific target groups of the Russian and other tourist groups.
Abstract: In this work, efficient directional coupler composed of
dielectric waveguides and metallic film has been analyzed in details
by simulations using finite element method (FEM). The structure
consists of a step-index fiber with dielectric core, silica cladding, and
a metal nanowire parallel to the core. The results show that an
efficient conversion of optical dielectric modes to long range
plasmonic is possible. Low insertion losses in conjunction with short
coupling length and a broadband operation can be achieved under
certain conditions. This kind of couplers has potential applications for
the design of photonic integrated circuits for signal routing between
dielectric/plasmonic waveguides, sensing, lithography, and optical
storage systems. A high efficient focusing of light in a very small
region can be obtained.
Abstract: Nuclear technology is a controversial issue among a great share of the Brazilian population. Misinformation and common wrong beliefs confuse public’s perceptions and the scientific community is expected to offer a wider perspective on the benefits and risks resulting from ionizing radiation in everyday life. Attentive to the need of new approaches between science and society, the Nuclear Energy Museum, in northeast Brazil, is an initiative created to communicate the growing impact of the beneficial applications of nuclear technology in medicine, industry, agriculture and electric power generation. Providing accessible scientific information, the museum offers a rich learning environment, making use of different educational strategies, such as films, interactive panels and multimedia learning tools, which not only increase the enjoyment of visitors, but also maximize their learning potential. Developed according to modern active learning instructional strategies, multimedia materials are designed to present the increasingly role of nuclear science in modern life, transforming science education into a meaningful learning experience. In year 2016, nine different interactive computer-based activities were developed, presenting curiosities about ionizing radiation in different landmarks around the world, such as radiocarbon dating works in Egypt, nuclear power generation in France and X-radiography of famous paintings in Italy. Feedback surveys have reported a high level of visitors’ satisfaction, proving the high quality experience in learning nuclear science at the museum. The Nuclear Energy Museum is the first and, up to the present time, the only permanent museum in Brazil devoted entirely to nuclear science.
Abstract: Worldwide, about two-thirds of industrial and domestic wastewater effluent is discharged without treatment, which can cause contamination and eutrophication of the water. In particular, for Mediterranean countries, irrigation with treated wastewater would mitigate the water stress and support the agricultural sector. Changing global weather patterns will make the situation worse, due to increased susceptibility to drought, which can cause major environmental, social, and economic problems. The study was carried out in open field in an intensive agricultural area of the Apulian region in Southern Italy where freshwater resources are often scarce. As well as providing a water resource, irrigation with treated wastewater represents a significant source of nutrients for soil–plant systems. However, the use of wastewater might have further effects on soil. This study thus investigated the long-term impact of irrigation with reclaimed agro-industrial wastewater on the chemical characteristics of the soil. Two crops (processing tomato and broccoli) were cultivated in succession in Stornarella (Foggia) over four years from 2012 to 2016 using two types of irrigation water: groundwater and tertiary treated agro-industrial wastewater that had undergone an activated sludge process, sedimentation filtration, and UV radiation. Chemical analyses were performed on the irrigation waters and soil samples. The treated wastewater was characterised by high levels of several chemical parameters including TSS, EC, COD, BOD5, Na+, Ca2+, Mg2+, NH4-N, PO4-P, K+, SAR and CaCO3, as compared with the groundwater. However, despite these higher levels, the mean content of several chemical parameters in the soil did not show relevant differences between the irrigation treatments, in terms of the chemical features of the soil.
Abstract: In this paper, a procedure for the evaluation of seismic behavior of slender masonry structures (towers, bell towers, chimneys, minarets, etc.) is presented. The presented procedure is based on a full three-dimensional modal analyses and frequency measurements. As well-known, masonry is a composite material formed by bricks, or stone blocks, and mortar arranged more or less regularly and adopted for many centuries as structural material. Dynamic actions may represent the major risk of collapse of brickworks, and despite the progress achieved so far in science and mechanics; the assessment of their seismic performance remains a challenging task. Then, reliable physical and numerical models are worthy of recommendation. In this paper, attention is paid to the historical bell tower of the Basilica of Santa Maria Gloriosa dei Frari - usually called Frari - one of the greatest churches in Venice, Italy.
Abstract: Cultural heritage conservation is a challenge for contemporary society. In recent decades, significant resources have been allocated for the conservation and restoration of architectural heritage. Historical buildings were restored, protected and reinforced with the intent to limit the risks of degradation or loss, due to phenomena of structural damage and to external factors such as differential settlements, earthquake effects, etc. The wide diffusion of historic masonry constructions in Italy, Europe and the Mediterranean area requires reliable tools for the evaluation of their structural safety. In this paper is presented a free modal analysis performed on a minor historical architecture located in the village of Bagno Grande, near the city of L’Aquila in Italy. The location is characterized by a complex urban context, seriously damaged by the earthquake of 2009. The aim of this work is to check the structural behavior of a masonry building characterized by several boundary conditions imposed by adjacent buildings and infrastructural facilities.
Abstract: This study is dedicated to the analysis of the problems of occupational safety in Turkey, Italy and Poland. The need analysis was applied to three different countries which are Turkey; 4, Poland; 1, Italy; 1 state. The number of the subjects is 891 in Turkey. The number of the subjects is 26 in Italy and the number of the subjects is 19 in Poland. The total number of samples of study is 936. Four different forms (Job Security Experts Form, Student Form, Teacher Form and Company Form) were applied. Results of experts of job security forms are rate of 7.1%. Then, the students’ forms are rate of 34.3%, teacher or instructor forms are rate of 9.9%. The last corporation forms are rate of 48.7%.
Abstract: 84 deaf students (from primary school to college) and their families participated in this inclusion project in cooperation with numerous institutions in northern Italy (Brescia-Lombardy). Participants were either congenitally deaf or their deafness was related to other pathologies. This research promoted the integration of deaf students as they pass from primary school to high school to college. Learning methods and processes were studied that focused on encouraging individual autonomy and socialization. The research team and its collaborators included school teachers, speech therapists, psychologists and home tutors, as well as teaching assistants, child neuropsychiatrists and other external authorities involved with deaf persons social inclusion programs. Deaf children and their families were supported, in terms of inclusion, and were made aware of the research team that focused on the Bisogni Educativi Speciali (BES or Special Educational Needs) (L.170/2010 - DM 5669/2011). This project included a diagnostic and evaluative phase as well as an operational one. Results demonstrated that deaf children were highly satisfied and confident; academic performance improved and collaboration in school increased. Deaf children felt that they had access to high school and college. Empowerment for the families of deaf children in terms of networking among local services that deal with the deaf also improved while family satisfaction also improved. We found that teachers and those who gave support to deaf children increased their professional skills. Achieving autonomy, instrumental, communicative and relational abilities were also found to be crucial. Project success was determined by temporal continuity, clear theoretical methodology, strong alliance for the project direction and a resilient team response.
Abstract: The experimental trial was carried out in open field at Foggia district (Apulia Region, Southern Italy), during the spring-summer season 2014, in order to evaluate the effect of four biostimulant products (RadiconÒ, Viormon plusÒ, LysodinÒ and SiaptonÒ 10L), compared with a control (no biostimulant), on the infestation of processing tomato crop (cv Dres) by the chlorophyll-lacking root parasite Phelipanche ramosa. Biostimulants consist in different categories of products (microbial inoculants, humic and fulvic acids, hydrolyzed proteins and aminoacids, seaweed extracts) which play various roles in plant growing, including the improvement of crop resistance and quali-quantitative characteristics of yield. The experimental trial was arranged according to a complete randomized block design with five treatments, each of one replicated three times. The processing tomato seedlings were transplanted on 5 May 2014. Throughout the crop cycle, P. ramosa infestation was assessed according to the number of emerged shoots (branched plants) counted in each plot, at 66, 78 and 92 day after transplanting. The tomato fruits were harvested at full-stage of maturity on 8 August 2014. From each plot, the marketable yield was measured and the quali-quantitative yield parameters (mean weight, dry matter content, colour coordinate, colour index and soluble solids content of the fruits) were determined. The whole dataset was tested according to the basic assumptions for the analysis of variance (ANOVA) and the differences between the means were determined using Tukey’s tests at the 5% probability level. The results of the study showed that none of the applied biostimulants provided a whole control of Phelipanche, although some positive effects were obtained from their application. To this respect, the RadiconÒ appeared to be the most effective in reducing the infestation of this root-parasite in tomato crop. This treatment also gave the higher tomato yield.
Abstract: Philip Morris International (PMI) is developing a range
of novel tobacco products with the potential to reduce individual
risk and population harm in comparison to smoking cigarettes.
One of these products is the Tobacco Heating System 2.2 (THS
2.2), (named as the Electrically Heated Tobacco System (EHTS) in
this paper), already commercialized in a number of countries (e.g.,
Japan, Italy, Switzerland, Russia, Portugal and Romania). During use,
the patented EHTS heats a specifically designed tobacco product
(Electrically Heated Tobacco Product (EHTP)) when inserted into
a Holder (heating device). The EHTP contains tobacco material in
the form of a porous plug that undergoes a controlled heating process
to release chemical compounds into vapors, from which an aerosol
is formed during cooling. The aim of this work was to investigate
the aerosol formation characteristics for realistic operating conditions
of the EHTS as well as for relevant gas mixture compositions
measured in the EHTP aerosol consisting mostly of water, glycerol
and nicotine, but also other compounds at much lower concentrations.
The nucleation process taking place in the EHTP during use when
operated in the Holder has therefore been modeled numerically using
an extended Classical Nucleation Theory (CNT) for multicomponent
gas mixtures. Results from the performed simulations demonstrate
that aerosol droplets are formed only in the presence of an aerosol
former being mainly glycerol. Minor compounds in the gas mixture
were not able to reach a supersaturated state alone and therefore
could not generate aerosol droplets from the multicomponent gas
mixture at the operating conditions simulated. For the analytically
characterized aerosol composition and estimated operating conditions
of the EHTS and EHTP, glycerol was shown to be the main aerosol
former triggering the nucleation process in the EHTP. This implies
that according to the CNT, an aerosol former, such as glycerol
needs to be present in the gas mixture for an aerosol to form
under the tested operating conditions. To assess if these conclusions
are sensitive to the initial amount of the minor compounds and to
include and represent the total mass of the aerosol collected during
the analytical aerosol characterization, simulations were carried out
with initial masses of the minor compounds increased by as much
as a factor of 500. Despite this extreme condition, no aerosol
droplets were generated when glycerol, nicotine and water were
treated as inert species and therefore not actively contributing to the
nucleation process. This implies that according to the CNT, an aerosol
cannot be generated without the help of an aerosol former, from
the multicomponent gas mixtures at the compositions and operating
conditions estimated for the EHTP, even if all minor compounds are
released or generated in a single puff.
Abstract: The paper analyses the role of small farms in socio-economic development of agriculture in Georgia and evaluates modern concepts regarding the development of the farms of this size. The scale of farms in Georgia is studied and the major problems are revealed. Opportunities and directions of diversification are discussed from the point of increasing the share of Georgian grapes and wine both on domestic and international markets. It’s shown that the size of vineyard areas is directly reflected on the grape and wine production potential. Accordingly, vineyard area and grape production dynamics is discussed. Comparative analysis of small farms in Georgia and Italy is made and the major differences are identified. Diversification is evaluated based on cost-benefit analysis on the one hand and on the other hand, from the point of promoting economic activities, protecting nature and rural area development. The paper provides proofs for the outcomes of diversification. The key hindering factors for the development of small farms are identified and corresponding conclusions are made, based on which recommendations for diversification of the farms of this size are developed.
Abstract: Issues relating to the destructive phenomena that can
damage people and goods have returned to the centre of debate in
Italy with the increase in catastrophic episodes in recent years in a
country which is highly vulnerable to hydrological risk.
Environmental factors and geological and geomorphological
territorial characteristics play an important role in determining the
level of vulnerability and the natural tendency to risk. However, a
territory has also been subjected to the requirements of and
transformations of society and this brings other relevant factors. The
reasons for the increase in destructive phenomena are often to be
found in the territorial development models adopted. Stewardship of
the landscape and management of risk are related issues. This study aims to summarize the most relevant elements about
this connection and at the same time to clarify the role of
environmental risk assessment as a tool to aid in the sustainable
management of landscape. Finally, the study reflects on how regional
and urban planners deal with environmental risk and which aspects
should be monitored in order to adopt responsible and useful
interventions.
Abstract: Massive rock avalanches formed some of the largest landslide deposits on Earth and they represent one of the major geohazards in high-relief mountains. This paper interprets a very large sedimentary fan (the Sernio fan, Valtellina, Northern Italy), located 20 Km SW from Val Pola Rock avalanche (1987), as the deposit of a partial collapse of a Deep Seated Gravitational Slope Deformation (DSGSD), afterwards eroded and buried by debris flows. The proposed emplacement sequence has been reconstructed based on geomorphological, structural and mechanical evidences. The Sernio fan is actually considered anomalous with reference to the very high ratio between the fan area (≈ 4.5km2) and the basin area (≈ 3km2). The morphology of the fan area is characterised by steep slopes (dip ≈ 20%) and the fan apex is extended for 1.8 km inside the small catchment basin. This sedimentary fan was originated by a landslide that interested a part of a large deep-seated gravitational slope deformation, involving a wide area of about 55 km². The main controlling factor is tectonic and it is related to the proximity to regional fault systems and the consequent occurrence of fault weak rocks (GSI locally lower than 10 with compressive stress lower than 20MPa). Moreover, the fan deposit shows sedimentary evidences of recent debris flow events. The best current explanation of the Sernio fan involves an initial failure of some hundreds of Mm3. The run-out was quite limited because of the morphology of Valtellina’s valley floor, and the deposit filled the main valley forming a landslide dam, as confirmed by the lacustrine deposits detected upstream the fan. Nowadays the debris flow events represent the main hazard in the study area.
Abstract: In this article, we deal with a variant of the classical
course timetabling problem that has a practical application in many
areas of education. In particular, in this paper we are interested in
high schools remedial courses. The purpose of such courses is to
provide under-prepared students with the skills necessary to succeed
in their studies. In particular, a student might be under prepared in
an entire course, or only in a part of it. The limited availability
of funds, as well as the limited amount of time and teachers at
disposal, often requires schools to choose which courses and/or which
teaching units to activate. Thus, schools need to model the training
offer and the related timetabling, with the goal of ensuring the
highest possible teaching quality, by meeting the above-mentioned
financial, time and resources constraints. Moreover, there are some
prerequisites between the teaching units that must be satisfied. We
first present a Mixed-Integer Programming (MIP) model to solve
this problem to optimality. However, the presence of many peculiar
constraints contributes inevitably in increasing the complexity of
the mathematical model. Thus, solving it through a general-purpose
solver may be performed for small instances only, while solving
real-life-sized instances of such model requires specific techniques
or heuristic approaches. For this purpose, we also propose a heuristic
approach, in which we make use of a fast constructive procedure
to obtain a feasible solution. To assess our exact and heuristic
approaches we perform extensive computational results on both
real-life instances (obtained from a high school in Lecce, Italy) and
randomly generated instances. Our tests show that the MIP model is
never solved to optimality, with an average optimality gap of 57%.
On the other hand, the heuristic algorithm is much faster (in about the
50% of the considered instances it converges in approximately half of
the time limit) and in many cases allows achieving an improvement
on the objective function value obtained by the MIP model. Such an
improvement ranges between 18% and 66%.
Abstract: Nowadays, the main goal for modern horticultural
production is an increase the quality. In recent years, the use of
organic fertilizers or biostimulants that can be applied in agriculture
to improve quali-quantitative crop yields has encountered increasing
interest. Biostimulants are gaining importance also for their possible
use in organic and sustainable agriculture, to avoid excessive
fertilizer applications. Consecutive experimental trials were carried
out in the Apulia region (southern Italy) on three herbaceous crops
(cauliflower, pepper, fennel) grown in pots under conventional and
organic fertilization systems without and with biostimulants. The aim
was to determine the effects of three biostimulants (Siapton®10L,
Micotech L, Lysodin Alga-Fert) on quali-quantitative yield
characteristics. At harvest, the quali-quantitative yield characteristics
of each crop were determined. All of the experimental data were
subjected to analysis of variance (ANOVA), and when significant
effects were detected, the means were compared using Tukey’s tests.
These data show large differences in these yield characteristics
between conventional and organic crops, particularly highlighting
higher yields for the conventional crops, while variable results were
generally observed when the biostimulants were applied. In this
context, there were no effects of the biostimulants on the quantitative
yield, whereas there were low positive effects on the qualitative
characteristics, as related to higher dry matter content of cauliflower,
and higher soluble solids content of pepper. Moreover, there were
evident positive effects of the biostimulants with fennel, due to the
lower nitrate content. These latter data are in line with most of the
published literature obtained for other herbaceous crops.
Abstract: The relationship between the state and the religion is
different based on the fact that how powerful is the religion faith in a
state and of the influences that affected the views of the constitution
drafters according to the constitutional system they were based to
draft their constitution. This paper aims at providing, through a
comparative methodology, how it is regulated by the constitution the
relationship between the state and the religion. The object of this
study are the constitutions of Italy as a nation with catholic religious
tradition, Greece as a nation with orthodox religion tradition, and
Turkey as a nation which represents Muslim religion, while Albania
as a nation known for its religious plurality. In particular, the analysis
will be focused on the secular or religious principle provided in the
constitution of each respective state. This comparative overview
intends to discern which of the states analyzed is more tolerant and
fully respects the freedom of religion. It results that most of the states
subject of this study, despite their religious tradition have chosen the
secular principle in their constitutions, but the religious freedom is
differently guaranteed.
Abstract: Phelipanche ramosa is the most damaging obligate
flowering parasitic weed on wide species of cultivated plants. The
semi-arid regions of the world are considered the main centers of this
parasitic plant that causes heavy infestation. This is due to its
production of high numbers of seeds (up to 200,000) that remain
viable for extended periods (up to 20 years). In this study, 13
treatments for the control of Phelipanche were carried out, which
included agronomic, chemical, and biological treatments and the use
of resistant plant methods. In 2014, a trial was performed at the
Department of Agriculture, Food and Environment, University of
Foggia (southern Italy), on processing tomato (cv ‘Docet’) grown in
pots filled with soil taken from a field that was heavily infested by P.
ramosa). The tomato seedlings were transplanted on May 8, 2014,
into a sandy-clay soil (USDA). A randomized block design with 3
replicates (pots) was adopted. During the growing cycle of the
tomato, at 70, 75, 81 and 88 days after transplantation, the number of
P. ramosa shoots emerged in each pot was determined. The tomato
fruit were harvested on August 8, 2014, and the quantitative and
qualitative parameters were determined. All of the data were
subjected to analysis of variance (ANOVA) using the JMP software
(SAS Institute Inc. Cary, NC, USA), and for comparisons of means
(Tukey's tests). The data show that each treatment studied did not
provide complete control against P. ramosa. However, the virulence
of the attacks was mitigated by some of the treatments tried: radicon
biostimulant, compost activated with Fusarium, mineral fertilizer
nitrogen, sulfur, enzone, and the resistant tomato genotype. It is
assumed that these effects can be improved by combining some of
these treatments with each other, especially for a gradual and
continuing reduction of the “seed bank” of the parasite in the soil.