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Quotidiano di informazione – Anno 30 n° 328

Posts Tagged ‘risk’

Regulatory Changes and Growth Set to Boost Reinsurers’ Share of Asia Risk

Posted by fidest press agency su venerdì, 9 novembre 2018

In this episode of A.M.BestTV, attendees at the annual Singapore International Reinsurance Conference (SIRC) said market growth, combined with regulatory changes that emphasize solvency standards, should raise the amount of insurance premiums collected in Asia that is ultimately ceded to reinsurers. Click on http://www.ambest.com/v.asp?v=sirc21118 to view the entire program.The hot topic at this year conference in Singapore: how to increase reinsurance growth in Asia, which contributes less than 30% to the world’s insurance premiums and less than 15% to the entire reinsurance industry.“The ones that represent the most potential are the markets that show the biggest economic growth,” said William Ho, head of reinsurance, Asia, MS Amlin. “That is where the potential is and is why so many of us reinsurers and insurers are trying to grow in this region.”Jayne Plunkett, chief executive officer, reinsurance, Asia, Swiss Re, believes that China will be the area that will offer the most growth.“I think we will see most of the growth coming from China,” she said. “Part of that reason is because the regulator in China has a very disciplined and proactive approach about building the marketplace around liability, agriculture and health.”

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First Clients Go Live on GTreasury’s Single Solution for Treasury and Risk Management

Posted by fidest press agency su martedì, 6 novembre 2018

The first corporate treasury clients to use both cash and risk capabilities on GTreasury’s new single SaaS solution for treasury and risk management are now live, GTreasury announced today at the annual conference of the Association for Financial Professionals (AFP), taking place in GTreasury’s headquarter city, Chicago. Visitors there can see a demonstration of GTreasury at booth. GTreasury selected key clients from North America, EMEA and APAC to take part in the BETA testing of its integrated treasury and risk functionality. Testing began in August this year, after GTreasury’s April 2018 acquisition of Sydney-based Visual Risk, provider of the region’s leading risk management solution, which like GTreasury, was built on the Microsoft technology stack. GTreasury now offers any combination of Cash Management, Payments, Financial Instruments, Accounting, Banking, Risk Management, and Hedge Accounting in one SaaS solution.“Our migration to the new solution has been seamless, mainly down to the expertise and attention of the fantastic customer services team,” says Ed Hawthorn, Treasury Operations Manager at CPA Global, one of GTreasury’s BETA clients. “Equally, the new solution is extremely intuitive and user-friendly, which is making its functionality and rollout to other areas of Finance outside of Treasury an infinitely easier experience.” “This announcement confirms Aite Group’s research findings that—to support corporate treasurers’ specific business workflows— innovative treasury solutions take the form of platforms that integrate core treasury functions (e.g. payments, cash, liquidity) with ‘mission critical’ components (e.g., hedge risk management, FX and money market management),” says Aite Group Analyst Enrico Camerinelli. “We are very excited for this milestone moment in corporate treasury,” says Alok Tyagi, GTreasury’s Chief Product and Technology Officer. “What this means for the treasury function is that it now has a modern technology platform – a digital backbone, if you will – that gives treasury teams the data and digital tools to innovate an end-to-end workflow that works for their organization. With the free flow of data across all treasury activities, teams will gain the clarity and insight needed for more informed decision-making.” As a Lean Agile shop practicing continuous improvement and delivery, GTreasury leverages direct customer feedback and usage insight data to deliver impactful new customer value in every release. GTreasury acquired Visual Risk in response to requests from clients and prospects who wanted to perform both cash and risk activities within one system.

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Investec Asset Management nominato Emerging Markets Manager of the Year agli Insurance Asset Risk Awards 2018

Posted by fidest press agency su venerdì, 30 marzo 2018

Investec Asset Management, società di gestione globale indipendente con 141 miliardi di dollari americani di masse in gestione, è stato nominato Emerging Markets Manager of the Year agli Insurance Asset Risk Awards 2018, tenuti a Londra.
Il premio Emerging Markets Manager of the Year riconosce le abilità di Investec Asset Management nella gestione degli asset dei mercati emergenti per conto di compagnie assicurative. Il premio sottolinea così la consolidata esperienza globale di Investec nei mercati emergenti per quanto riguarda le capabilities sia rispetto al mercato pubblico sia privato, evidenziando l’impegno della società nell’offrire servizi di asset management pensati per le esigenze dei clienti assicurativi e i loro obiettivi di investimento specifici. Con oltre 80 professionisti dell’investimento dedicati ai mercati emergenti, la società mette a disposizione dei propri clienti esperienza e insight di investimento attraverso un’ampia gamma di strategie dedicate ai mercati emergenti e di frontiera. Le strategie specialistiche intendono offrire innovative fonti di rendimento corretto per il rischio per assicuratori e riassicuratori all’interno dei mercati emergenti, ad esempio l’Investec Emerging Markets Corporate Debt Strategy, che permette di accedere a questa promettente asset class considerando al tempo stesso i vincoli di credit-rating degli investitori.
Gli Insurance Asset Risk Awards riconoscono l’eccellenza nel campo dell’asset e investment management per il settore assicurativo negli ultimi 12 mesi: i vincitori sono coloro che si distinguono per leadership e best practice all’interno del settore.Domenico Ferrini, co-Chief Investment Officer, ha commentato: “Questo riconoscimento consolida il track record che abbiamo costruito con pazienza nel settore dei mercati emergenti. Siamo lieti di questo premio. Uno degli aspetti che ci differenzia è la nostra capacità di creare capabilities di investimento di successo dove individuiamo un’opportunità di lungo periodo. A fare davvero la differenza è il nostro DNA, radicato nei mercati emergenti, insieme al percorso di crescita intrapreso, che ci ha resi un player degli investimenti internazionale.”

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Male-pattern baldness and premature greying associated with risk of early heart disease

Posted by fidest press agency su venerdì, 1 dicembre 2017

indiaKolkata, India Male-pattern baldness and premature greying are associated with a more than fivefold risk of heart disease before the age of 40 years, according to research presented at the 69th Annual Conference of the Cardiological Society of India (CSI). Obesity was associated with a fourfold risk of early heart disease. The congress is being held in Kolkata, India, from 30 November to 3 December. Experts from the European Society of Cardiology (ESC) will present a special programme. “The incidence of coronary artery disease in young men is increasing but cannot be explained by traditional risk factors,” said author Dr Sachin Patil, a third year resident at the U.N. Mehta Institute of Cardiology and Research Centre, Ahmedabad, Gujarat, India. “Premature greying and androgenic alopecia (male-pattern baldness) correlate well with vascular age irrespective of chronological age and are plausible risk factors for coronary artery disease.”This study investigated the association of premature hair greying and alopecia patterns in young Indian men with coronary artery disease. The study included 790 men aged less than 40 years with coronary artery disease and 1 270 age-matched healthy men who acted as a control group.All participants had a clinical history taken, electrocardiogram (ECG), echocardiography, blood tests, and coronary angiogram. Participants were given a male-pattern baldness score of 0 (none), 1 (mild), 2 (moderate), or 3 (severe) after analysis of 24 different views of the scalp. A hair whitening score was determined according to the percentage of grey/white hairs: 1: pure black; 2: black greater than white; 3: black equals white; 4: white greater than black; 5: pure white.
The researchers analysed the correlation between premature grey hair and alopecia with the complexity and severity of angiographic lesions (an indicator of coronary artery disease) and compared the results between the two groups.The researchers found that young men with coronary artery disease had a higher prevalence of premature greying (50% versus 30%) and male-pattern baldness (49% versus 27%) compared to healthy controls. After adjusting for age and other cardiovascular risk factors, male-pattern baldness was associated with a 5.6 times greater risk of coronary artery disease (95% confidence interval [CI] 4.0–7.8, p<0.0001) and premature greying was associated with a 5.3 times greater risk (95% CI 3.7–7.5, p<0.0001).Male-pattern baldness and premature greying were the strongest predictors of coronary artery disease in young Indian men followed by obesity, which was associated with a 4.1 times greater risk (95% CI 2.8–6.0, p<0.0001). Diabetes mellitus, hypertension, family history of premature coronary artery disease, central obesity, higher body mass index, dyslipidaemia and smoking were predictors of coronary artery disease but to a lesser extent than male-pattern baldness, premature greying, and obesity.
Principal investigator, Dr Kamal Sharma, associate professor, Department of Cardiology, U.N. Mehta Institute of Cardiology and Research Centre, said: “Baldness and premature greying should be considered risk factors for coronary artery disease. These factors may indicate biological, rather than chronological, age which may be important in determining total cardiovascular risk. Currently physicians use common sense to estimate biological age but a validated scale is needed.”Dr Dhammdeep Humane, lead author, senior cardiology resident, U.N. Mehta Institute of Cardiology and Research Centre, added: “Men with premature greying and androgenic alopecia should receive extra monitoring for coronary artery disease and advice on lifestyle changes such as healthy diet, exercise, and stress management. Our study found associations but a causal relationship needs to be established before statins can be recommended for men with baldness or premature greying.”Dr K. Sarat Chandra, CSI President Elect, said: “It is an established fact that premature coronary artery disease is becoming more common in India with each passing day. We do not know the exact reasons behind this. The present study suggesting that premature greying and male-pattern baldness could be important risk factors goes a long way in our understanding of this riddle.”
Professor Marco Roffi, course director of the ESC programme at CSI and head of the Interventional Cardiology Unit, Geneva University Hospital, Geneva, Switzerland, said: “Assessment of risk factors is critical in the prevention and management of cardiovascular disease. Classical risk factors such as diabetes, family history of coronary disease, smoking, sedentary lifestyle, high cholesterol levels and high blood pressure are responsible for the vast majority of cardiovascular disease. It remains to be determined whether potential new risk factors, like the ones described, may improve cardiovascular risk assessment.”

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Voting rights at risk

Posted by fidest press agency su mercoledì, 30 agosto 2017

trump11One of the most significant milestones in our nation’s journey to equality was the passage of Voting Rights Act.This journey was not an easy one. For decades, African Americans were subjected to widespread voter intimidation efforts and laws designed to keep them from the polls. But they refused to accept injustice.Civil rights activists organized protests and courageously endured unspeakable acts of violence by those who wanted to disenfranchise them. Then in 1965, African Americans’ heroic activism ushered in change. President Johnson signed the Voting Rights Act, which outlawed discriminatory voting practices and put protections in place to stop any attempts at discrimination in the future. It’s been 52 years since the Voting Rights Act became law. Yet sadly, we still can’t take this fundamental right for granted. In 2013, the Supreme Court gutted a key protection in the Voting Rights Act.Congress has the power to restore it, but President Trump has made it clear to his party that addressing voter suppression is not a priority. Instead, President Trump and his commission on “election integrity” prefer to investigate made-up claims of voter fraud. He wants to give the GOP justification for passing restrictive voting laws that unfairly target minorities. Generations of civil rights activists risked their lives to secure the right to vote for all Americans. As a Veteran, I fought to defend this country and the democratic principles it was built on. We can’t let our efforts be undermined.

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Bristol-Myers Squibb and Pfizer to Highlight Commitment to Reducing the Risk of Stroke Caused by Non-Valvular Atrial Fibrillation

Posted by fidest press agency su martedì, 22 agosto 2017

barcellonaBarcelona Spain 26-30 August Congress 2017, organized by the European Society of Cardiology Investigational data from the EMANATE [Eliquis evaluated in acute cardioversion coMpared to usuAl treatmeNts for AnTicoagulation in subjEcts with non-valvular atrial fibrillation (NVAF)] clinical trial will be presented during the Late-Breaking Science hot line session and official ESC press conference. EMANATE is a Phase 4 clinical trial exploring Eliquis® (apixaban) versus standard of care (parenteral heparin and/or oral anticoagulation with a vitamin K antagonist) in patients with NVAF expected to undergo cardioversion to re-establish a regular heart rhythm. In addition, analyses from ACROPOLIS™ (Apixaban ExperienCe Through Real-WOrld POpuLatIon Studies) – the real-world data program which aims to contribute to the growing body of evidence related to anticoagulation – will be presented at this year’s ESC Congress. These analyses focus on the use of Eliquis in routine clinical practice, including in NVAF patient populations considered at high risk or particularly vulnerable to stroke or major bleed due to age, risk prediction scores, and other cardiovascular comorbidities.“We are proud to share both clinical trial results and real-world data analyses that continue to support the medical community in the advancement of patient care and add to the body of evidence for Eliquis as a treatment for DVT/PE and for reducing the risk of stroke in NVAF patients,” said Christoph Koenen, M.D., MBA, VP, Development Lead, Eliquis, Bristol-Myers Squibb. “These data supplement our pivotal trial results, providing additional insight into how Eliquis performs in specific clinical settings such as cardioversion and broad patient populations representing common clinical practice settings.” Initial findings from a Bristol-Myers Squibb (BMS)- and Pfizer- commissioned global policy research project conducted by The Economist Intelligence Unit (EIU), the research analysis division of The Economist Group, will also be presented at the ESC Congress. These findings bring attention to the global disparity of stroke risk reduction policies, and inadequate detection of risk factors for stroke – including NVAF – in clinical practice. The full report, which will be released by The EIU on September 21, is part of the BMS-Pfizer Alliance’s commitment to collaborating with patient advocacy and research organizations around the world to uncover barriers to atrial fibrillation screening and appropriate treatment to reduce the risk of stroke for patients with NVAF.

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Marijuana associated with three-fold risk of death from hypertension

Posted by fidest press agency su mercoledì, 9 agosto 2017

marijuana plant in flowering, bid bud cannabis

marijuana plant in flowering, bid bud cannabis

Sophia Antipolis. Marijuana use is associated with a three-fold risk of death from hypertension, according to research published today in the European Journal of Preventive Cardiology. “Steps are being taken towards legalisation and decriminalisation of marijuana in the United States, and rates of recreational marijuana use may increase substantially as a result,” said lead author Barbara A Yankey, a PhD student in the School of Public Health, Georgia State University, Atlanta, US. “However, there is little research on the impact of marijuana use on cardiovascular and cerebrovascular mortality.”
In the absence of longitudinal data on marijuana use, the researchers designed a retrospective follow-up study of NHANES (National Health and Nutrition Examination Survey) participants aged 20 years and above. In 2005–2006, participants were asked if they had ever used marijuana. Those who answered “yes” were considered marijuana users. Participants reported the age when they first tried marijuana and this was subtracted from their current age to calculate the duration of use.Information on marijuana use was merged with mortality data in 2011 from the National Centre for Health Statistics. The researchers estimated the associations of marijuana use, and duration of use, with death from hypertension, heart disease, and cerebrovascular disease, controlling for cigarette use and demographic variables including sex, age, and ethnicity. Death from hypertension included multiple causes such as primary hypertension and hypertensive renal disease.Among a total of 1 213 participants, 34% used neither marijuana nor cigarettes, 21% used only marijuana, 20% used marijuana and smoked cigarettes, 16% used marijuana and were past-smokers, 5% were past-smokers and 4% only smoked cigarettes. The average duration of marijuana use was 11.5 years. Marijuana users had a higher risk of dying from hypertension. Compared to non-users, marijuana users had a 3.42-times higher risk of death from hypertension and a 1.04 greater risk for each year of use. There was no association between marijuana use and death from heart disease or cerebrovascular disease.Ms Yankey said: “We found that marijuana users had a greater than three-fold risk of death from hypertension and the risk increased with each additional year of use.”
Ms Yankey pointed out that there were limitations to the way marijuana use was estimated. For example, it cannot be certain that participants used marijuana continuously since they first tried it.She said: “Our results suggest a possible risk of hypertension mortality from marijuana use. This is not surprising since marijuana is known to have a number of effects on the cardiovascular system. Marijuana stimulates the sympathetic nervous system, leading to increases in heart rate, blood pressure and oxygen demand. Emergency rooms have reported cases of angina and heart attacks after marijuana use.” The authors stated that the cardiovascular risk associated with marijuana use may be greater than the cardiovascular risk already established for cigarette smoking.“We found higher estimated cardiovascular risks associated with marijuana use than cigarette smoking,” said Ms sigaretteYankey. “This indicates that marijuana use may carry even heavier consequences on the cardiovascular system than that already established for cigarette smoking. However, the number of smokers in our study was small and this needs to be examined in a larger study.”“Needless to say, the detrimental effects of marijuana on brain function far exceed that of cigarette smoking,” she added.Ms Yankey said it was crucial to understand the effects of marijuana on health so that policy makers and individuals could make informed decisions. She said: “Support for liberal marijuana use is partly due to claims that it is beneficial and possibly not harmful to health. With the impending increase in recreational marijuana use it is important to establish whether any health benefits outweigh the potential health, social and economic risks. If marijuana use is implicated in cardiovascular diseases and deaths, then it rests on the health community and policy makers to protect the public.”

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Risk of heart transplant rejection reduced by desensitising patient antibodies

Posted by fidest press agency su martedì, 2 maggio 2017

antibioticiParis, France. The risk of heart transplant rejection can be reduced by desensitising patient antibodies, according to research presented today at Heart Failure 2017 and the 4th World Congress on Acute Heart Failure. The breakthrough comes on the 50th anniversary of heart transplantation.Before heart transplantation the serum of heart transplant candidates is tested for levels of anti-human leukocyte antigen (HLA) which could bind to donor HLA antigens and cause rejection of the organ. At the time of transplantation, a virtual crossmatch is conducted to determine if the patient’s anti-HLA antibodies are directed against the donor’s specific HLA antigen – if yes, they are called “donor specific anti-HLA antibody” (DSA).
“Most centres do not perform heart transplantation in patients with a high DSA level since the risk of antibody-mediated rejection is high, particularly hyper-acute rejection,” said lead author Dr Guillaume Coutance, a cardiologist at Pitié-Salpêtrière Hospital in Paris, France. “Patients then have to wait for a donor with different HLA antigens.”To reduce the chance of rejection in these patients at high immunological risk, in 2009 Pitié-Salpêtrière Hospital began a desensitisation programme. The current study analysed the impact of the programme on survival after heart transplantations performed during 2009 to 2015.The type of desensitisation patients receive depends on their DSA level, which is measured by mean fluorescence intensity (MFI). An MFI between 500 and 1000 is considered “low DSA” and an MFI above 1000 is considered “high DSA”. All patients receive anti-thymocyte globulins and conventional immunosuppressive therapy (calcineurin inhibitors, mycophenolate mofetil, and corticosteroids).On top of this, patients with low DSA levels receive intravenous immunoglobulins. Patients with high DSA levels are treated with plasmapheresis before and after transplantation, followed by intravenous immunoglobulins after the complete cycle of plasmapheresis.The study included 523 patients who were 50 years old on average and 77% were men. Nearly half (46%) of patients had no DSA, 17% had low DSA, and 37% had high DSA levels. Patients were followed-up for an average of 3.7 years and survival was compared between the three groups.Compared to patients with no or low DSA, those with high DSA were more often younger, female, and had a ventricular assist device. The length of survival after transplantation was similar between the three groups, even after adjustment for age, sex, and having a ventricular assist device before transplantation. Survival at one year and at the end of follow-up was 79% and 73% for those with no DSA, 80% and 72% in patients with low DSA, and 84% and 76% in patients with high DSA levels, respectively (p=0.85). Antibody-mediated rejections were more common in patients with high DSA levels (27% versus 6% in patients with no DSA). These rejections occurred early (a median of 28 days after transplantation) in patients with high DSA levels but they had no impact on survival and could be treated. Patients with high DSA levels had more bleeding complications due to perioperative plasmapheresis. Dr Coutance said: “By desensitising patient’s antibodies, those with high immunological risk experience similar survival to patients without DSA. Pre- and post-operative plasmapheresis results in a dramatic drop in DSA levels, which reduces the risk of hyper-acute rejections and early antibody-mediated rejections. Intravenous immunoglobulins will neutralise DSA for weeks.” “Despite this regimen, antibody-mediated rejections were frequent but they were not associated with poor outcomes,” added Dr Coutance. “Two factors might explain these good results: early diagnosis of rejection with repetitive routine biopsies, and aggressive treatment of rejections with plasmapheresis and intravenous immunoglobulins even in subclinical rejections. The increased bleeding risk is explained by the loss of coagulation factors during plasmapheresis which is important but does not seem to impact survival.” He concluded: “This desensitisation programme could shorten waiting times and increase access to transplantation for patients at high immunological risk. However, it will probably not increase the number of transplantations since donor shortage is the limiting factor.” Authors: ESC Press Office.

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Grey hair linked with increased heart disease risk in men

Posted by fidest press agency su domenica, 9 aprile 2017

cardiologiaMalaga, Spain. Grey hair has been linked with an increased risk of heart disease in men, in research presented today at EuroPrevent 2017.Ageing is an unavoidable coronary risk factor and is associated with dermatological signs that could signal increased risk,” said Dr Irini Samuel, a cardiologist at Cairo University, Egypt. “More research is needed on cutaneous signs of risk that would enable us to intervene earlier in the cardiovascular disease process.”Atherosclerosis and hair greying share similar mechanisms such as impaired DNA repair, oxidative stress, inflammation, hormonal changes and senescence of functional cells. This study assessed the prevalence of grey hair in patients with coronary artery disease and whether it was an independent risk marker of disease.This was a prospective, observational study which included 545 adult men who underwent multi-slice computed tomography (CT) coronary angiography for suspected coronary artery disease. Patients were divided into subgroups according to the presence or absence of coronary artery disease, and the amount of grey/white hair.The amount of grey hair was graded using the hair whitening score: 1 = pure black hair, 2 = black more than white, 3 = black equals white, 4 = white more than black, and 5 = pure white. Each patients’ grade was determined by two independent observers.
Data was collected on traditional cardiovascular risk factors including hypertension, diabetes, smoking, dyslipidaemia, and family history of coronary artery disease.
The researchers found that a high hair whitening score (grade 3 or more) was associated with increased risk of coronary artery disease independent of chronological age and established cardiovascular risk factors. Patients with coronary artery disease had a statistically significant higher hair whitening score and higher coronary artery calcification than those without coronary artery disease.In multivariate regression analysis, age, hair whitening score, hypertension and dyslipidaemia were independent predictors of the presence of atherosclerotic coronary artery disease. Only age was an independent predictor of hair whitening.“Atherosclerosis and hair greying occur through similar biological pathways and the incidence of both increases with age,” said Dr Samuel. “Our findings suggest that, irrespective of chronological age, hair greying indicates biological age and could be a warning sign of increased cardiovascular risk.” Dr Samuel said asymptomatic patients at high risk of coronary artery disease should have regular check-ups to avoid early cardiac events by initiating preventive therapy.
“Further research is needed, in coordination with dermatologists, to learn more about the causative genetic and possible avoidable environmental factors that determine hair whitening,” she added. “A larger study including men and women is required to confirm the association between hair greying and cardiovascular disease in patients without other known cardiovascular risk factors.”She concluded: “If our findings are confirmed, standardisation of the scoring system for evaluation of hair greying could be used as a predictor for coronary artery disease.”

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Big women have nearly threefold greater risk of atrial fibrillation

Posted by fidest press agency su sabato, 8 aprile 2017

malagaMalaga, Spain Big women have a nearly threefold greater risk of atrial fibrillation than small women, according to research presented today at EuroPrevent 2017.1 The study included 1.5 million women who were followed-up for more than 30 years.
Atrial fibrillation is the most common heart rhythm disorder, with a 20% lifetime risk. It occurs most often in people over 60 years of age and increases the risk of stroke and heart failure. “Our research has previously shown that a large body size at age 20, and weight gain from age 20 to midlife, both independently increase the risk of atrial fibrillation in men,” said author Professor Annika Rosengren, professor of internal medicine at the Sahlgrenska Academy, University of Gothenburg, Sweden.2 “In this study we investigated the impact of body size on atrial fibrillation risk in women.” The study included 1 522 358 women with a first pregnancy aged 28 years on average. Data on weight early in pregnancy, height, age, diabetes, hypertension and smoking were obtained from the Swedish Medical Birth Registry. Information on hospitalisation with atrial fibrillation was collected from the Swedish Inpatient Registry.
Body surface area (BSA) in m2 was calculated by a standard formula based on weight and height. Women were divided into four groups according to BSA: 0.97–1.61, 1.61–1.71, 1.71–1.82, and 1.82–3.02 m2. During a maximum follow up of 33.6 years (16 years on average) 7 001 women were hospitalised with atrial fibrillation at an average age of 49 years. Compared to women in the lowest BSA quartile, those in the second, third, and fourth (highest) quartiles had a 1.16, 1.55 and 2.61 times increased risk of atrial fibrillation, respectively, after adjustment for age at first pregnancy, diabetes, hypertension and smoking. “We found that bigger women have a greater risk of atrial fibrillation,” said Professor Rosengren. “There was a stepwise elevation in risk with increasing body size. The group with the highest body surface area had nearly three times the risk as those with the lowest body surface area.” BSA is influenced by both height and weight. Compared to women with the lowest BSA, those with the highest BSA were 9 cm taller (161 versus 170 cm), 28 kg heavier (54 versus 82 kg), and had a higher body mass index (BMI: 21 versus 28 kg/m2).“Atrial fibrillation is the result of obesity-related metabolic changes but there is also a second cause,” said Professor Rosengren. “Big people – not necessarily fat, but big – have a larger atrium, which is where atrial fibrillation comes from. People with a bigger atrium have a higher risk of atrial fibrillation.” “Generally it’s better to be tall because you have less risk of stroke and heart attack, and better survival,” continued Professor Rosengren. “Taller people are often are better educated, have higher socioeconomic status, and may have received better nutrition at a young age and in the womb. But in this case being tall is less desirable because it alters the structure of the heart in a way that may be conducive to atrial fibrillation.”
Professor Rosengren pointed out that the absolute risk of atrial fibrillation in these young women, regardless of weight, height or BSA was very low (less than 0.5%). “In general young women need not worry about their risk of atrial fibrillation, whatever their body size,” she said. “For older women and men, being big could be an indicator that you are at increased risk of atrial fibrillation. In the clinic I have seen many big people with atrial fibrillation.” She concluded: “If you are very tall, I think that it could be a good idea to avoid accumulating excess weight. That would apply to both men and women.”

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Harmless’ painkillers associated with increased risk of cardiac arrest

Posted by fidest press agency su giovedì, 16 marzo 2017

Sophia Antipolis. Painkillers considered harmless by the general public are associated with increased risk of caSophia Antipolisrdiac arrest, according to research published today in the March issue of European Heart Journal – Cardiovascular Pharmacotherapy. Non-steroidal anti-inflammatory drugs (NSAIDs) are among the most commonly used drugs worldwide and some, including ibuprofen, are available over the counter. “Allowing these drugs to be purchased without a prescription, and without any advice or restrictions, sends a message to the public that they must be safe,” said author Professor Gunnar H. Gislason, professor of cardiology at Copenhagen University Hospital Gentofte, Denmark. “Previous studies have shown that NSAIDs are related to increased cardiovascular risk which is a concern because they are widely used.”The current study investigated the link between NSAID use and cardiac arrest. All patients who had an out-of-hospital cardiac arrest in Denmark between 2001 and 2010 were identified from the nationwide Danish Cardiac Arrest Registry. Data was collected on all redeemed prescriptions for NSAIDs from Danish pharmacies since 1995. These included the non-selective NSAIDs (diclofenac, naproxen, ibuprofen), and COX-2 selective inhibitors (rofecoxib, celecoxib).A case-time-control design was used to examine the association between NSAID use and cardiac arrest. Each patient served as both case and control in two different time periods, eliminating the confounding effect of chronic comorbidities. Use of NSAIDs during the 30 days before cardiac arrest (case period) was compared to used of NSAIDs during a preceding 30 day period without cardiac arrest (control period).Information was not obtained on over-the-counter drugs. Ibuprofen is the only over-the-counter NSAID in Denmark and is limited to small packages of 200 mg dosages. As patients were their own control, any underestimation of ibuprofen use should be equally distributed between the case and control periods.
A total of 28 947 patients had an out-of-hospital cardiac arrest in Denmark during the ten year period. Of these, 3 376 were treated with an NSAID up to 30 days before the event. Ibuprofen and diclofenac were the most commonly used NSAIDs, making up 51% and 22% of total NSAID use, respectively.Use of any NSAID was associated with a 31% increased risk of cardiac arrest. Diclofenac and ibuprofen were associated with a 50% and 31% increased risk, respectively. Naproxen, celecoxib and rofecoxib were not associated with the occurrence of cardiac arrest, probably due to a low number of events.
NSAIDs exert numerous effects on the cardiovascular system which could explain the link with cardiac arrest. These include influencing platelet aggregation and causing blood clots, causing the arteries to constrict, increasing fluid retention, and raising blood pressure.

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Accordo di risk participation SACE-MPS per le imprese italiane nel mondo

Posted by fidest press agency su sabato, 4 febbraio 2017

monte dei paschi di sienaSACE (Gruppo Cassa depositi e prestiti) e Banca Monte dei Paschi di Siena (MPS) annunciano la firma di un importante accordo di collaborazione per sostenere la crescita delle Mid-Cap italiane in mercati esteri ad alto potenziale ma dai profili di rischio elevati.
L’accordo, Master Risk Participation Agreement, mette a disposizione delle imprese clienti di MPS – in particolare quelle di media dimensione – un pacchetto di soluzioni assicurativo-finanziarie destinate a supportare il pagamento delle forniture regolate con crediti documentari e il rilascio di garanzie contrattuali richieste per gare e commesse internazionali.
Grazie all’accordo, SACE e MPS sono più vicine alle aziende impegnate quotidianamente nei mercati internazionali, incrementando la rispettiva capacità di assumere i rischi di mancato pagamento connessi a transazioni con controparti estere provenienti da Paesi ad alto potenziale di crescita, ma dai contesti operativi complessi. Inoltre, le imprese beneficiarie possono accedere a condizioni vantaggiose a linee di firma dedicate al rilascio delle garanzie contrattuali necessarie per partecipare a gare e lavori all’estero (bid bond, advance payment, performance and warranty bond), ottenendo nuovi contratti e commesse internazionali.
Questa nuova iniziativa, che si aggiunge all’ampia gamma di strumenti assicurativo-finanziari sviluppati da SACE e MPS a protezione del business delle aziende italiane, ha già consentito di realizzare le prime operazioni di sharing su crediti documentari a sostegno delle forniture italiane di macchinari e materiali da costruzione e da imballaggio in Algeria e Cina.

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Acute Cardiovascular Care 2016 will put a spotlight on managing high risk patients

Posted by fidest press agency su sabato, 17 settembre 2016

navigatore coronarieThe annual congress of the Acute Cardiovascular Care Association (ACCA), a registered branch of the European Society of Cardiology (ESC), is held 15 to 17 October at the Centro de Congressos de Lisboa in Lisbon, Portugal. The full scientific programme is available here. This year features state-of-the-art presentations by leading experts on “managing risk in acute cardiovascular care”, the congress theme.Professor Doron Zahger, Chairperson of the Scientific Programme, said: “All healthcare professionals working in acute cardiac care manage high risk patients in various situations such as acute heart failure, cardiac arrest, acute coronary syndromes, and high risk arrhythmias which can lead to sudden death.”Acute cardiovascular care is the specialty of cardiology dealing with acute problems in need of urgent care including heart attack, cardiac arrest, and acute heart failure, but also other conditions leading to acute cardiovascular problems such as pulmonary embolism or stroke.Original scientific research will be unveiled in a rich abstract programme covering the entire spectrum of acute cardiac care.
New studies will be presented on the hot topic of diagnosing myocardial infarction in the ambulance and emergency room. Professor Zahger said: “Prompt and accurate diagnosis is essential to ensure that patients receive the right treatment quickly, that the damage caused by heart attack is limited, and that the risk of heart failure is minimised. Accordingly, much research is ongoing in an effort to diagnose myocardial infarction earlier and more accurately.”Novel methods using shock wave therapy or medication for regenerating heart tissue that has suffered from restricted blood supply (ischaemia) will be revealed. The techniques may reduce infarct size, control inflammation, and improve heart function in patients with ischaemic heart disease.Inequalities in treatment of cancer patients who have a heart attack will be presented for the first time. The media will hear first-hand how care of these patients compares to those without cancer and the impact on in-hospital outcomes.
The use of an implantable cardioverter defibrillator (ICD) to prevent sudden death is explored in patients who had an out-of-hospital cardiac arrest that was caused by acute myocardial infarction. “This is a unique use for ICDs and journalists will hear whether or not it shows promise for the future,” said Professor Zahger.ESC Gold Medallist Professor Keith Fox will give a keynote lecture during the inaugural session entitled “Vulnerable plaques in vulnerable patients”, providing journalists with new insights in this exciting field.An innovative virtual case area will showcase interactive demonstrations on a digital patient simulator. Cases with symptoms including palpitations, breathing difficulties, and swollen legs will be enacted in virtual patients created for the congress and discussed by international experts.This is the prime scientific event for all healthcare professionals working in acute cardiac care. More than 1000 delegates from around 80 countries are expected, including cardiologists, emergency physicians, intensive care physicians, interventionists, anaesthesiologists, imaging specialists, internists, cardiac surgeons, nurses, paramedics and other allied professionals who care for acutely ill cardiac patients. With hundreds of abstracts and more than 50 scientific sessions over three days, this is the event of the year in acute cardiovascular care.

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Increased risk of dead for heart failure patients with each nhs hospital admission

Posted by fidest press agency su lunedì, 29 agosto 2016

cardilogy congressRome, Italy Heart failure patients have a 2% increased risk of dying with each admission to NHS hospitals, according to research presented at ESC Congress 2016 today.1 The 15 year study in more than 450 000 patients from the ACALM Study Unit, Birmingham, UK included 13 416 patients with heart failure.“Heart failure accounts for over one million inpatient bed days, 2% of National Health Service (NHS) in-hospital work load and 5% of all emergency medical admissions to hospital in the UK,” said lead author Dr Rahul Potluri, founder of the ACALM (Algorithm for Comorbidities, Associations, Length of stay and Mortality) Study Unit.
Worryingly, hospital admissions for patients with heart failure are projected to rise by 50% over the next 25 years. In Europe, previous studies have indicated that more than a quarter of patients with heart failure have been readmitted to hospital as soon as three months after previous discharge and more than 10% of them died.The current study included 457 233 patients above the age of 18 years who had been admitted to hospitals in the West Midlands, UK, from 2000 to 2014. Of these, 13 416 patients had been diagnosed with heart failure. For each patient, the investigators calculated the number of readmissions to hospital within five years and recorded if they had died during that period.The research showed that each hospital admission was associated with a 2% increased risk of death. Heart failure patients who had 4 to 7 admissions to hospital over the study period had an almost 20% increased risk of dying compared to those with 1 to 3 admissions to hospital.“We have a triple whammy because heart failure is increasing, hospitalisation is increasing and this study shows that the risk of heart failure patients dying with each admission is higher by 2%,” said Dr Potluri. “The findings reflect the fact that heart failure is a progressive disease and should be a challenge to physicians to improve care even more.”He continued: “Every effort should be made to start and/or optimise heart failure medications before patients leave hospital and ensure other interventions such as multidisciplinary community support are available for heart failure patients to reduce the risk of admission to hospital.” Dr Paul Carter, co-author, said: “We need to diagnose heart failure patients efficiently and ensure that they are taking appropriate heart failure medications prior to discharge from hospital so that we minimise the chances of readmission as much as possible. At the moment, there is significant variation in how well this is done across hospitals in spite of numerous clinical guidelines.”

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Low socioeconomic status associated with higher risk of second heart attack or stroke

Posted by fidest press agency su sabato, 27 agosto 2016

cardiology congress-2016Rome, Italy Fiera di Roma (Ingresso Nord, Via Portuense 1645/1647) Low socioeconomic status is associated with a higher risk of a second heart attack or stroke, according to research presented at ESC Congress 2016 today.1 The study in nearly 30 000 patients with a prior heart attack found that the risk of a second event was 36% lower for those in the highest income quintile compared to the lowest and increased by 14% in divorced compared to married patients.Lead author Dr Joel Ohm, a physician at the Karolinska University Hospital and Karolinska Institutet in Stockholm, Sweden, said: “Are you rich or poor? Married or divorced? That might affect your risk of a second heart attack or stroke. Advances in prevention and acute treatment have increased survival after heart attack and stroke over the past several decades. The result is that more people live with cardiovascular disease – in Sweden almost one fifth of the total population is in this group.”
Most research on cardiovascular prevention is based on healthy people and it is unclear if the findings apply to patients with established disease. An association between socioeconomic status in healthy individuals and future cardiovascular disease was found in the 1950s. This study investigated the link between socioeconomic status in patients who had survived a first heart attack and the risk of a second heart attack or a stroke.The study included 29 953 patients from the Swedish nationwide registry, Secondary Prevention after Heart Intensive Care Admission (SEPHIA), who had been discharged approximately one year previously from a cardiac intensive care unit after treatment for a first myocardial infarction. Data on outcome over time and socioeconomic status (defined as disposable income, marital status and level of education) was obtained from Statistics Sweden and the National Board of Health and Welfare.During an average follow up of four years, 2405 patients (8%) suffered a heart attack or stroke. After adjusting for age, gender, smoking status, and the defined measures of socioeconomic status, being divorced was independently associated with a 14% greater risk of a second event than being married. There was an independent and linear relationship between disposable income and the risk of a second event, with those in the highest quintile of income having a 36% lower risk than those in the lowest quintile (figures 1 and 2). A higher level of education was associated with a lower risk of events but the association was not significant after adjustment for income. (photo: cardiology congress)

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Female refugees high risk of being victims of gender-based violence

Posted by fidest press agency su domenica, 19 giugno 2016

Female refugeesWomen and girls fleeing from persecution or turmoil in their home countries are particularly at risk of physical, sexual and psychological violence when seeking sanctuary, in transit and when they arrive in the EU. In advance of World Refugee Day on 20 June, FRA’s latest summary report of migration-related fundamental rights concerns, throws the spotlight on the plight of female refugees at reception and accommodation centres. This issue will also feature during discussions on improving refugee protection as part of FRA’s 4-day Fundamental Rights Forum which also opens that day.“Basic daily tasks like taking a shower exposes female refugees to potential acts of violence. Member States urgently need to find ways of managing the refugee situation in full respect of fundamental rights so that women and girls are not put at risk,” says FRA Director Michael O’Flaherty. “FRA’s Fundamental Rights Forum seeks to find solutions to ensure refugees can enjoy their rights to life, dignity and freedom from slavery. The Forum is a unique opportunity to bring people with a human rights vision together to suggest ways forward.”
The reports identifies a number of issues in relation to preventing, identifying and addressing victims of gender-based violence, including the alarming lack of data from Member States on violence against women and girls that are newly arrived or need international protection. It points to the shared use of bathrooms and showers in reception and accommodation centres particularly in the evenings or at night that are not separated for men and women. Sometimes such facilities are accessible via unlit corridors and doors that cannot be locked. Such issues expose women and girls to greater risks, and leave them feeling unsafe.
Victims rarely report their attacks. This is often due to fear about the repercussions on the victim’s asylum claim or from the perpetrator (especially when it comes to domestic violence), and the lack of information about what can be done. In some Member States, if they flee the centre without permission because of fear or because they have been attacked then they may also be judged as having committed an offence.Various EU and national laws and policies take gender-based violence into consideration when it comes to granting asylum and when receiving asylum seekers. However, drawing on data from the nine Member States most affected by the migration flows, FRA has identified challenges in identifying, reporting and protecting female refugees which Member States should tackle. These include: No Member State collects data on reported incidents of gender-based violence towards female refugees that have just arrived or need international protection.
Information on gender-based violence, how to report it and where to seek help is not usually available in reception centres.
Victims are reluctant to report to reception centre authorities or the police. Most Member States are taking steps to address this. These include: asylum interviews with women in private rooms by trained staff and interpreters of the same sex separated from the husband; information material and sessions; and ‘women-only’ spaces.
Nearly half of the Member States have guidelines or procedures to identify and deal with victims. However, they are not always effective and training is often lacking.All Member States offer some form of prevention of gender-based violence and protection for victims. Most commonly this includes separate accommodation for newly-arrived unaccompanied migrant women and access to women’s shelters for victims. Sometimes victims can receive medical and psycho-social support, and report incidents of violence but protective and preventative measures are rarely comprehensive and seldom coordinated. Some Member States lack legal support or adequate interpretation for victims of gender-based violence in reception centres. To better protect female refugees the European Parliament has also recently called for new gender guidelines. In addition, the European Commission has suggested that the EU ratifies the Council of Europe’s violence against women convention (the Istanbul Convention) which also covers migration and asylum. It would then join the 14 Member States that have already ratified the Convention (all 28 have signed it) which provides a solid legal basis for addressing violence against all women. (photo: Female refugees)

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Allianz Risk Transfer e Nephila gestiscono con successo l’applicazione della tecnologia blockchain per i cat swap

Posted by fidest press agency su giovedì, 16 giugno 2016

Monaco, 15 giugno 2016 – Allianz Risk Transfer AG (ART) e Nephila Capital Limited (Nephila) annunciano di aver applicato con successo la tecnologia blockchain smart contract per la transazione di un nat-cat swap. Questo test non solo dimostra che, in caso di contratti con base blockchain, l’elaborazione e la gestione transazionale di fondi tra assicuratori e investitori possono essere accelerate e semplificate, ma anche che si possono offrire altri vantaggi, come la maggiore commerciabilità dei cat bond ed estendere l’applicazione di questa tecnologia ad altre transazioni assicurative.I cosiddetti catastrophe (abbreviati in‘cat’) swap e bond sono strumenti finanziari che trasferiscono una serie specifica di rischi – solitamente rischi di disastri naturali, come uragani e tifoni – da un assicuratore agli investitori o ad altri assicuratori, utilizzando trigger con parametri ben definiti. Nel caso di un cat swap finanziario, l’assicuratore paga un terzo per assumersi il rischio finanziario di un determinato evento catastrofico, come un uragano in Florida, in cambio di un pagamento o una serie di pagamenti. Se l’evento si verifica e risponde ai criteri trigger predefiniti, la terza parte è responsabile del rischio finanziario pre-concordato.I cat bond seguono un principio simile, con la differenza che varie parti si assumono l’esposizione alla catastrofe tramite uno strumento finanziario cartolarizzato nel quale hanno investito. Se si verifica un evento catastrofico in linea con i parametri definiti, gli investitori perdono il capitale che hanno investito; altrimenti, ricevono interessi sotto forma di un pagamento periodico a “coupon” e la restituzione dell’investimento principale alla maturazione del bond.La tecnologia smart contract su base blockchain ha il vantaggio di semplificare e accelerare il processo di gestione dei contratti di cat swap e cat bond. Ogni contratto convalidato nell’infrastruttura open shared contiene dati e codici auto-estraenti ad esso relativi. Quando si verifica un evento scatenante che risponde alle condizioni concordate, il contratto smart blockchain individua i data source predefiniti di tutti i contraenti, poi attiva ed esegue automaticamente pagamenti da o per le singole parti in causa. “La tecnologia blockchain aumenterebbe affidabilità, verificabilità e rapidità sia per quanto riguarda i cat swap sia per i cat bond, dato che, per confermare la legittimità di pagamenti/transazioni da e verso gli investitori, essa richiede una minore elaborazione manuale, autenticazione e verifica da parte degli intermediari”, spiega Richard Boyd, Chief Underwriting Officer alle Bermuda per ART. “Venendo meno gli interventi umani, che attualmente sono presenti in tutto il processo, si eliminano completamente i ritardi dovuti a dissidi e all’errore umano, con un effetto radicale sulla velocità e l’efficienza del processo e, nel caso dei bond, sulla commerciabilità di questi titoli”.
Blockchain è la tecnologia che sottende alla valuta digitale bitcoin, ma le sue applicazioni, come la crittovaluta o gli smart contracts, sono in fase di esplorazione in tutto il settore dei servizi finanziari. La tecnologia smart contract permette l’esecuzione digitale di contratti con libri contabili automatizzati e distribuiti, progettati per essere indistruttibili, con il vantaggio di ridurre in modo significativo le funzioni di arbitraggio solitamente eseguite da entità terze come banche, intermediari e amministratori, revisori e camere di compensazione.
ART e Nephila hanno collaborato con alcune aziende per effettuare una verifica sperimentale delle applicazioni del Blockchain e vedere come l’uso di questa tecnologia possa avere una rilevanza per il settore assicurativo: uno su tutti, l’ottimizzazione del processo di pagamento nel fronting internazionale per gli assicuratori captive, per il quale sono previste molteplici fasi per il trasferimento del premio da un’azienda alla sua filiale.

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LG Electronics Honored For Environmental Sustainability Corporate Responsibility Leadership

Posted by fidest press agency su giovedì, 29 ottobre 2015

LG ElectronicsENGLEWOOD CLIFFS, N.J.3BL Media/ – Recognizing LG Electronics’ leadership in environmental sustainability, Corporate Responsibility Magazine, the leading voice of corporate responsibility, has named LG Electronics USA President and CEO William Cho as 2015 Responsible CEO of the Year. Selected by an independent judging panel of previous winners and other industry leaders, Cho was singled out for excellence in environmental impact and sustainability. CR Magazine’s judges considered a number of key metrics including the scope of the CEO’s impact on his organization and community, the extent to which the CEO drove this initiative, and the individual reputation or professional risk taken by the CEO. Under Cho’s leadership, LG Electronics has further increased its commitment to bringing to market innovative ENERGY STAR® certified products that deliver significant energy savings and lessen the impact on the world around us, while driving consumer awareness about climate change and significantly reducing greenhouse gas (GHG) emissions from its U.S. operations. “We at CR applaud LG’s commitment to introducing innovative products that are developed with the environment in mind,” said Elliot H. Clark, CEO of SharedXpertise Media LLC, publisher of CR Magazine and co-founder (with the Corporate Responsibility Association) of the COMMIT!Forum, recognized worldwide as the leading event for corporate responsibility practitioners. “Mr. Cho has taken a leading role in advancing a corporate culture in which sustainability is treated as a core business principle. His efforts have been critical in reducing the company’s environmental impact while enhancing the quality of life for consumers,” Clark said. In his relatively short time as CEO of LG Electronics USA (since January 2014), Cho has made a major impact on the company and the industry. His vision drove LG’s efforts to introduce scores of innovative, energy-efficient products into the U.S. market –including the launch the first commercially available heat pump dryer in the U.S. – and securing LG’s recognition as 2015 ENERGY STAR Partner of the Year. Under Cho’s leadership, the company has implemented a number of key initiatives in support of LG’s industry-leading goal of reducing GHG emissions in its U.S. operations by 50 percent by 2020. Among his other noteworthy achievements, LG has launched a new design for its New Jersey-based North American headquarters – with strong support of conservation groups for the $300 million LEED Platinum green building project. Equally significant is the CEO’s role in advancing a corporate culture in which sustainability is treated as a core business principle. In short, LG’s environmental management and product sustainability strategy focuses on energy, resources and human factors:
Improving how LG products use energy – by enhancing energy efficiency through reduced power and stand-by power consumption, and reduced CO2 emissions throughout the product lifecycle. Improving how LG uses natural resources – by reducing product weight and volume, using more recycled materials, and designing products for easier recycling.Improving the human experience – by phasing out hazardous substances and improving the home environment.“This recognition, while humbling to me personally, really reflects LG’s progress toward excellence in environmental sustainability,” Cho said. “I am honored to accept on behalf of the talented team of men and women at LG USA who share my view that we all have a shared responsibility to protect our planet.”Clark said, “In an era where the greatest pressure is a quarterly drive to deliver financial results, it is impressive to have leading CEOs like Mr. Cho striving toward corporate responsibility. Leaders like these prove that long-term success is comprised of many measures; great social and environmental practices deliver long term profitability and performance in many areas.” (photo: LG Electronics)

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Save children and families in crisis-hit Greece

Posted by fidest press agency su venerdì, 17 luglio 2015

bambini-diritti-infanzia1It goes without saying that the population in Greece is currently undergoing an extremely difficult financial and social situation. As a consequence, children and families in our country are at risk! 40% percent of the child population in Greece (700.000 children) is already running the risk of poverty and social exclusion, while in recent days due to capital controls and its immediate consequences to market liquidity, shortages and effective purchasing potential a soaring number of children and families is expected to fall victim of the worst effects of this crisis. “The Smile of the Child” is the largest NGO for children in Greece which has become a reference point for every child and developed into an important national and international actor in the field of child protection. In 2014 alone it has assisted 82.000 children and their families in need. Through its various actions of welfare, health and direct intervention for children at risk, “The Smile of the Child” has managed over the past 20 years to overcome all the obstacles for the benefit of children.Today, our Organization is facing an insurmountable and unprecedented challenge that puts at risk the thousands of children supported by “The Smile of the Child”. Equally worrying is the fact that “The Smile of the Child” is no longer capable, due to this crisis, to address the soaring number of needs and requests for help and assistance received in the National Helpline for Children SOS 1056.Until now and over the past 20 years we managed with great difficulty, but in an efficient way, based on the exclusive support of citizens and businesses in Greece, to stand by more than 1.000.000 children and families with children.

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Master in credit risk management

Posted by fidest press agency su venerdì, 17 dicembre 2010

Experian, di riferimento nel mondo nei servizi e nei sistemi di supporto alle decisioni per i rischi di credito, continua la collaborazione con l’Università Cattolica del Sacro Cuore di Milano, sostenendo anche la seconda edizione del Master in Credit Risk Management, che prenderà il via a fine anno. La collaborazione prevede interventi e testimonianze di esperti Experian secondo i programmi stabiliti dal corpo docente, e l’accesso agli strumenti più evoluti di analisi e supporto alle decisioni. Il programma del Master prevede una prima fase di formazione tecnico-giuridica sulla gestione del rischio di credito, a cui seguirà un periodo di inserimento lavorativo presso le aziende partner. Inserimento lavorativo che, già nella prima edizione del Master, ha permesso ai partecipanti di mettersi alla prova nelle realtà più importanti del settore, come Experian e, per i più meritevoli, di entrare a farne parte a pieno titolo.
Experian (Experian Plc) è leader mondiale nei servizi informativi per la prevenzione dei rischi di credito e di frode, il marketing  e la protezione dei dati di aziende e consumatori. E’ quotata alla Borsa di Londra (EXPN), ove concorre all’indice FTSE-100, espresso dai 100 titoli azionari più importanti.  Ha sede a Dublino (Irlanda) e le principali direzioni operative sono  a Costa Mesa (California, USA) , Nottingham (GB) e San Paolo (Brasile). Conta circa 15.000 addetti in 40 paesi per una clientela estesa a più di 65 paesi, con un fatturato annuo che supera i 3,9 miliardi di dollari. In Italia, opera dal 1995; ha sede a Roma, e filiali a Milano e Pontedera (PI).

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