Consumer Insolvency in the Czech Republic

The Czech Republic is a country whose economy has undergone a transformation since 1989. Since joining the EU it has been striving to reduce the differences in its economic standard and the quality of its institutional environment in comparison with developed countries. According to an assessment carried out by the World Bank, the Czech Republic was long classed as a country whose institutional development was seen as problematic. For many years one of the things it was rated most poorly on was its bankruptcy law. The new Insolvency Act, which is a modern law in terms of its treatment of bankruptcy, was first adopted in the Czech Republic in 2006. This law, together with other regulatory measures, offers debtridden Czech economic subjects legal instruments which are well established and in common practice in developed market economies. Since then, analyses performed by the World Bank and the London EBRD have shown that there have been significant steps forward in the quality of Czech bankruptcy law. The Czech Republic still lacks an analytical apparatus which can offer a structured characterisation of the general and specific conditions of Czech company and household debt which is subject to current changes in the global economy. This area has so far not been given the attention it deserves. The lack of research is particularly clear as regards analysis of household debt and householders- ability to settle their debts in a reasonable manner using legal and other state means of regulation. We assume that Czech households have recourse to a modern insolvency law, yet the effective application of this law is hampered by the inconsistencies in the formal and informal institutions involved in resolving debt. This in turn is based on the assumption that this lack of consistency is more marked in cases of personal bankruptcy. Our aim is to identify the symptoms which indicate that for some time the effective application of bankruptcy law in the Czech Republic will be hindered by factors originating in householders- relative inability to identify the risks of falling into debt.

Attack Detection through Image Adaptive Self Embedding Watermarking

Now a days, a significant part of commercial and governmental organisations like museums, cultural organizations, libraries, commercial enterprises, etc. invest intensively in new technologies for image digitization, digital libraries, image archiving and retrieval. Hence image authorization, authentication and security has become prime need. In this paper, we present a semi-fragile watermarking scheme for color images. The method converts the host image into YIQ color space followed by application of orthogonal dual domains of DCT and DWT transforms. The DCT helps to separate relevant from irrelevant image content to generate silent image features. DWT has excellent spatial localisation to help aid in spatial tamper characterisation. Thus image adaptive watermark is generated based of image features which allows the sharp detection of microscopic changes to locate modifications in the image. Further, the scheme utilises the multipurpose watermark consisting of soft authenticator watermark and chrominance watermark. Which has been proved fragile to some predefined processing like intentinal fabrication of the image or forgery and robust to other incidental attacks caused in the communication channel.

Preparation and Characterisation of Chemically Activated Almond Shells by Optimization of Adsorption Parameters for Removal of Chromium VI from Aqueous Solutions

Activated carbon was prepared from agricultural waste “almond (Prunus amygdalus) nut shells" by chemical activation with phosphoric acid as an activating agent at 450 °C for 24 hr soaking time. The physical and chemical properties were analyzed. The adsorption of chromium VI from aqueous solution on almond nut shell activated carbon (ASAC) was investigated. The adsorption process parameters pH, agitation speed, agitation time, adsorbent dose were optimized. 98% of Cr VI was sorbed at pH 2 and stirring speed 200 rpm.. Surface structure showed that ASAC has a spongy type structure showing large number of pores

Investigation of Water Vapour Transport Properties of Gypsum Using Genetic Algorithm

Water vapour transport properties of gypsum block are studied in dependence on relative humidity using inverse analysis based on genetic algorithm. The computational inverse analysis is performed for the relative humidity profiles measured along the longitudinal axis of a rod sample. Within the performed transient experiment, the studied sample is exposed to two environments with different relative humidity, whereas the temperature is kept constant. For the basic gypsum characterisation and for the assessment of input material parameters necessary for computational application of genetic algorithm, the basic material properties of gypsum are measured as well as its thermal and water vapour storage parameters. On the basis of application of genetic algorithm, the relative humidity dependent water vapour diffusion coefficient and water vapour diffusion resistance factor are calculated.

Characterisation and Classification of Natural Transients

Monitoring lightning electromagnetic pulses (sferics) and other terrestrial as well as extraterrestrial transient radiation signals is of considerable interest for practical and theoretical purposes in astro- and geophysics as well as meteorology. Managing a continuous flow of data, automisation of the detection and classification process is important. Features based on a combination of wavelet and statistical methods proved efficient for analysis and characterisation of transients and as input into a radial basis function network that is trained to discriminate transients from pulse like to wave like.

Structural Characteristics of Batch Processed Agro-Waste Fibres

The characterisation of agro-wastes fibres for composite applications from Nigeria using X-ray diffraction (XRD) and Scanning Electron Microscopy (SEM) has been done. Fibres extracted from groundnut shell, coconut husk, rice husk, palm fruit bunch and palm fruit stalk are processed using two novel cellulose fibre production methods developed by the authors. Cellulose apparent crystallinity calculated using the deconvolution of the diffractometer trace shows that the amorphous portion of cellulose was permeable to hydrolysis yielding high crystallinity after treatment. All diffratograms show typical cellulose structure with well-defined 110, 200 and 040 peaks. Palm fruit fibres had the highest 200 crystalline cellulose peaks compared to others and it is an indication of rich cellulose content. Surface examination of the resulting fibres using SEM indicates the presence of regular cellulose network structure with some agglomerated laminated layer of thin leaves of cellulose microfibrils. The surfaces were relatively smooth indicating the removal of hemicellulose, lignin and pectin.

Mechanical and Thermal Properties Characterisation of Vinyl Ester Matrix Nanocomposites Based On Layered Silicate

The mechanical properties including flexural and tensile of neat vinyl ester and polymer based on layered silicate nanocomposite materials are discussed. The addition of layered silicate into the polymer matrix increased the tensile and flexural modulus up to 1 wt.% clay loading. The incorporation of more clay resulted in decreasing the mechanical properties which was traced to the existence of aggregation layers. Likewise, up to 1 wt.% clay loading, the thermal behaviour showed significant improvements and at higher clay loading the thermal pattern was reduced. The aggregation layers imparted a negative impact on the overall mechanical and thermal properties. Wide Angle X-ray Diffraction, Scanning Electron Microscopy and Transmission Electron Microscopy were utilised in order to characterise the interlamellar structure of nanocomposites.

Rheological Characterisation of Collagen Gels from Marine Resources of Black Sea and Chlohexidine Salt for using in Dental Medicine

In the paper we presented the possibility of application collagen gels with active principle-s from marine algae extract and chlorhexidine salt in dental medicine. The hydro-alcoholic extracts from marine algae have been used as they have been obtained. The extracts from marine algae and chlorhexidine salt (digluconate) are incorporated in type I non-denatured fibrillar collagen matrixes. In order to obtain therapeutic effects at nanostructure level, it is important to know the rheological characteristics of the relevant mixtures of collagen gels and extracts from marine algae selected for use. In this survey we have studied mixtures made of non-denatured fibrillar collagen hydro-gels where different concentrations of marine algae have been incorporated. Based on the data obtained for the shearing tensions, we have traced the rheograms – the diagrams for shearing tensions depending on the shearing speed values – from which we have calculated the apparent viscosities as ratios between shearing tension and speed values, which have been figured in relation to the shearing speed values, with a view to levelling dependency.

Extraction and Characterisation of Protein Fraction from Date Palm Fruit Seeds

Date palm (Phoenix dactylifera L.) seeds are waste streams which are considered a major problem to the food industry. They contain potentially useful protein (10-15% of the whole date-s weight). Global production, industrialisation and utilisation of dates are increasing steadily. The worldwide production of date palm fruit has increased from 1.8 million tons in 1961 to 6.9 million tons in 2005, thus from the global production of dates are almost 800.000 tonnes of date palm seeds are not currently used [1]. The current study was carried out to convert the date palm seeds into useful protein powder. Compositional analysis showed that the seeds were rich in protein and fat 5.64 and 8.14% respectively. We used several laboratory scale methods to extract proteins from seed to produce a high protein powder. These methods included simple acid or alkali extraction, with or without ultrafiltration and phenol trichloroacetic acid with acetone precipitation (Ph/TCA method). The highest protein content powder (68%) was obtained by Ph/TCA method with yield of material (44%) whereas; the use of just alkali extraction gave the lowest protein content of 8%, and a yield of 32%.

Durability of LDPE Geomembrane within Sealing System of MSW (Landfill)

Analyse of locally manufactured Low Density Polyethylene (LDPE) durability, used within lining systems at bottom of Municipal Solid Waste (landfill), is done in the present work. For this end, short and middle time creep behavior under tension of the analyzed material is carried out. The locally manufactured material is tested and compared to the European one (LDPE-CE). Both materials was tested in 03 various mediums: ambient and two aggressive (salty water and foam water), using three specimens in each case. A testing campaign is carried out using an especially designed and achieved testing bench. Moreover, characterisation tests were carried out to evaluate the medium effect on the mechanical properties of the tested material (LDPE). Furthermore, experimental results have been used to establish a law regression which can be used to predict creep behaviour of the analyzed material. As a result, the analyzed LDPE material has showed a good stability in different ambient and aggressive mediums; as well, locally manufactured LDPE seems more flexible, compared with the European one. This makes it more useful to the desired application.

Non Destructive Characterisation of Cement Mortar during Carbonation

The objective of this work was to examine the changes in non destructive properties caused by carbonation of CEM II mortar. Samples of CEM II mortar were prepared and subjected to accelerated carbonation at 20°C, 65% relative humidity and 20% CO2 concentration. We examined the evolutions of the gas permeability, the thermal conductivity, the thermal diffusivity, the volume of the solid phase by helium pycnometry, the longitudinal and transverse ultrasonic velocities. The principal contribution of this work is that, apart of the gas permeability, changes in other non destructive properties have never been studied during the carbonation of cement materials. These properties are important in predicting/measuring the durability of reinforced concrete in CO2 environment. The carbonation depth and the porosity accessible to water were also reported in order to explain comprehensively the changes in non destructive parameters.

High Strain Rate Characteristics of the Advanced Blast Energy Absorbers

The main aim of the presented experiments is to improve behaviour of sandwich structures under dynamic loading, such as crash or explosion. Several cellular materials are widely used as core of the sandwich structures and their properties influence the response of the entire element under impact load. To optimize their performance requires the characterisation of the core material behaviour at high strain rates and identification of the underlying mechanism. This work presents the study of high strain-rate characteristics of a specific porous lightweight blast energy absorbing foam using a Split Hopkinson Pressure Bar (SHPB) technique adapted to perform tests on low strength materials. Two different velocities, 15 and 30 m.s-1 were used to determine the strain sensitivity of the material. Foams were designed using two types of porous lightweight spherical raw materials with diameters of 30- 100 *m, combined with polymer matrix. Cylindrical specimens with diameter of 15 mm and length of 7 mm were prepared and loaded using a Split Hopkinson Pressure Bar apparatus to assess the relation between the composition of the material and its shock wave attenuation capacity.

A Visco-elastic Model for High-density Cellulose Insulation Materials

A macroscopic constitutive equation is developed for a high-density cellulose insulation material with emphasis on the outof- plane stress relaxation behavior. A hypothesis is proposed where the total stress is additively composed by an out-of-plane visco-elastic isotropic contribution and an in-plane elastic orthotropic response. The theory is validated against out-of-plane stress relaxation, compressive experiments and in-plane tensile hysteresis, respectively. For large scale finite element simulations, the presented model provides a balance between simplicity and capturing the materials constitutive behaviour.

Characterisation of Hydrocarbons in Atmospheric Aerosols from Different European Sites

The concentrations of aliphatic and polycyclic aromatic hydrocarbons (PAH) were determined in atmospheric aerosol samples collected at a rural site in Hungary (K-puszta, summer 2008), a boreal forest (Hyytiälä,  April 2007) and a polluted rural area in Italy (San Pietro Capofiume, Po Valley, April 2008). A clear distinction between “clean" and “polluted" periods was observed. Concentrations obtained for Hyytiälä are significantly lower than those for the other two sites. Source reconciliation was performed using diagnostic parameters, such as the carbon preference index and ratios between PAH. The presence of an unresolved complex mixture of hydrocarbons, especially for the Finnish and Italian samples, is indicative of petrogenic inputs. In K-puszta, the aliphatic hydrocarbons are dominated by leaf wax n-alkanes. The long range transport of anthropogenic pollution contributed to the Finnish aerosol. Industrial activities and vehicular emissions represent major sources in San Pietro Capofiume. PAH in K-puszta consist of both pyrogenic and petrogenic compounds.

Green Building Materials: Hemp Oil Based Biocomposites

Novel acrylated epoxidized hemp oil (AEHO) based bioresins were successfully synthesised, characterized and applied to biocomposites reinforced with woven jute fibre. Characterisation of the synthesised AEHO consisted of acid number titrations and FTIR spectroscopy to assess the success of the acrylation reaction. Three different matrices were produced (vinylester (VE), 50/50 blend of AEHO/VE and 100% AEHO) and reinforced with jute fibre to form three different types of biocomposite samples. Mechanical properties in the form of flexural and interlaminar shear strength (ILSS) were investigated and compared for the different samples. Results from the mechanical tests showed that AEHO and 50/50 based neat bioresins displayed lower flexural properties compared with the VE samples. However when applied to biocomposites and compared with VE based samples, AEHO biocomposites demonstrated comparable flexural performance and improved ILSS. These results are attributed to improved fibre-matrix interfacial adhesion due to surface-chemical compatibility between the natural fibres and bioresin.