This paper explores decision analysis on product integration of family security services and residential fire insurance in the London and Taiwan markets by using the proposed mathematical models for counting sustainable value. This paper shows the five main different results between London and Taiwan markets with ten different parameters of the family security market, to find out the optimal number of family security integrated services for each security company in London. The improvement of the risk aversion effect based on risk and financial management will enhance the market share of the private security industries in the London and Taiwan markets. The results of this research can serve as a reference for the decision-making of private security industries on product integration under sustainable value consideration. The research findings highlight the potential benefits for both the private security industry and the insurance industry in their design and negotiation for product integration to improve both of business operation and achieve corporate social responsibility goals to match the sustainability in the future.

Fires constitute a significant threat due to the pollutants emitted and the destruction they cause. People who take part in fire-fighting operations must be equipped with appropriate tools, including special clothing that will allow them to work and guarantee safety. One of the threats are compounds from the PAH group, which are characterized by high toxicity and carcinogenicity. Therefore, it is important that the materials used constitute a barrier to contamination. Various materials from which individual elements of special firefighter's clothing are made were tested. Additionally, the importance of height on the possibility of sorption of PAH compounds on a given type of material was analyzed. Based on the results obtained, it was found that the type of material and the zone in which the clothing items are used are important in the sorption processes of pollutants. Data in this area may be important for taking further actions regarding the modification of materials used in special fire brigade clothing and in their cleaning processes.

The rate of fires, and particularly residential-fires, is a serious concern in industrialized countries. However, there is considerable uncertainty regarding the reported numbers of residential-fire incidents as official figures are based on fires reported to fire response agencies only. This population-based study aims to quantify the total number of residential-fire incidents regardless of reporting status. The cohort comprised linked person-level data from Fire and Rescue New South Wales (FRNSW) and health system and death records. It includes all persons residing at a residential address in New South Wales, Australia, that experienced a fire between 1 January 2005 – 31 December 2014. Capture-Recapture method was used to estimate the underreporting number of residential fire-related incidents. Over the study period, 43,707 residential-fire incidents were reported to FRNSW and there were 2,795 residential fire-related health service utilization of which 2,380 were not reported. Using Capture-Recapture method, the total number of residential-fire incidents was estimated at 267,815 to 319,719 which is more than six times the official records. This study found that 15% of residential-fire incidents that were identified in health administrative dataset were reported. The residential-fire incidents that were not reported occurred mainly in socio-economically disadvantaged areas among the males and adults.

Continuous technological progress places significant demands on the materials used in increasingly modern devices. An important parameter is often the long-term thermal resistance of the material. The use of heat-resistant polymer materials worked well in technologically advanced products. An economically justified direction in searching for new materials is the area of polymer nanocomposite materials. It is necessary to appropriately select both the polymer matrix and the nanofillers best able to demonstrate the synergistic effect. A promising area of exploration for such nanocomposites is the use of organosilicon polymers, which results from the unique properties of these polymers related to their structure. This review presents the results of the analysis of the most important literature reports regarding organosilicon polymer nanocomposites with increased thermal resistance. Particular attention was paid to modification methods of silicone nanocomposites focused on the increase of their thermal resistance related to the modification of siloxane molecular structure and by making nanocomposites using inorganic additives, carbon nanomaterials. Attention was also paid to such important issues as the influence of the dispersion of additives in the polymer matrix on the thermal resistance of silicone nanocomposites and the possibility of modifying the polymer matrix and permanently introducing nanofillers thanks to the presence of various reactive groups. The thermal stability mechanism of these nanocomposites was also analysed.

This concept paper explores possible collective identities for a future wildland fire workforce. Taking inspiration from the work of futurists who foresee an end to the dominant fire exclusion/suppression paradigm, and assuming an emerging fire restoration/resilience paradigm shift replaces it, the paper engages in speculative explorations of the process and product of this paradigm shift on future collective identities for a workforce doing ecological fire management. Social constructionist assumptions from symbolic interactionist sociological theory, Gramscian political theory's concept of hegemony, and New-Social-Movement theory's concept of collective identity all provide the intellectual foundations for the discussion. This concept paper argues that in order to actualize a paradigm shift, more than advances in scientific research or reforms of government policies will be required--the wildland fire community will need to become (or join) a social movement engaged in collective actions. An imaginary social movement, the "Greenfire revolution," is invented to help illustrate how the selected theories and concepts might apply in the social construction of ecological fire management and the collective identities of its future workforce.

In the century and a half since Maxwell first conjured his “finite being” which Lord Kelvin subsequently dubbed a “daemon”, researchers have explored the connections between non-equilibrium thermodynamics, entropy, and information theory. In recent years various Thermodynamic Uncertainty Relations (TURs) have been derived to inform upon the relationship between the entropy production and the precision possible in thermodynamic machines and processes. In this paper the recently derived TURs are applied to the hypothetical thermodynamic economy as described by Parker [1]. The TURs define the lower bound on the total entropy production of the economy. Changes in this entropy production rate has consequences on the stability of the economic system and plays a central role in the business cycle. This new perspective has important implications for policy makers, researchers, and other economic actors.

Fire hazards present a multifaceted global challenge that endangers human lives and environmental safety. Despite advancements in fire risk management technologies and methods, fires continue to be a prime concern for human security. The Arabian Gulf region, influenced by its climatic and environmental conditions, is especially susceptible to these threats. The Emirate of Sharjah, part of the United Arab Emirates, has made significant progress in reinforcing fire safety measures within residential structures, achieving a decrease in the number of fire-related accidents compared to neighboring Emirates. However, the incidence rate remains relatively high. This study undertook a thorough review and assessment of the existing Fire Management System (FMS) for Sharjah's residential sector, leading to the recommendation of a more robust framework. Through a series of literature reviews, interviews with stakeholders, and surveys, using analytical techniques such as the Delphi method and Failure Mode Effect and Criticality Analysis, vital factors that influence the FMS's effectiveness were pinpointed. The study exposed that the current FMS was largely reactive. In response, a proactive framework incorporating nine essential components was designed to strengthen the Sharjah FMS. These components span across various domains such as fire assurance, assessment of fire risks, management of accidents, evaluation of performance, training programs, research and development initiatives, digital services, monitoring of regulatory compliance, firefighting strategies, automated responses to fires, recovery processes, as well as the use of resilient materials and architectural design considerations. Furthermore, the research introduced two specific fire indexes, the HRBFI and the EFRI. Anchored in the principles of Systems Thinking and Industry 4.0, this proposed framework is aimed at streamlining Sharjah's approach to fire management in dwellings, with the objective of diminishing the frequency of fire incidents yearly. The ultimate aspiration of this framework is to enhance the Emirate's standing in terms of safety and to guarantee a living environment that is safeguarded against the risk of fires..

As in other parts of the world, natural disasters are increasingly causing significant loss of life and economic damage in Turkey. Natural disasters such as earthquakes, floods, storms, fires, and hailstorms have been occurring since ancient times, but now they are being compounded by factors such as climate change and the deterioration of natural environments. This has led to an increase in the frequency and severity of natural disasters and the resulting damage. It is important to finance the economic consequences of natural disasters that threaten individuals, commercial enterprises, and the country's administration. The frequency of the public's exposure to natural disasters, insurance awareness, the financial size of the disasters, the risk management policies of insurance companies, and the competence and willingness of the state and local governments to cover the damage are decisive factors. Prior to the increase in natural disasters, the country's administration was active and involved in first aid, rescue, and damage financing. However, it now has difficulty in financing the damage caused by natural disasters to individual, commercial, industrial, and agricultural assets and does not want to provide full assurance. This is because the dangers awaiting humanity in the future cannot be fully predicted. Private insurance companies undertake the task of taking over and distributing the risk in financing natural disaster losses and ensuring sustainability. Although this is a modern and rational solution, the problem is the insufficient number of insurance policies and insufficient premium production in countries where insurance awareness is not sufficiently developed. To increase premium production and geographical distribution of the risk, the state includes natural disaster insurances within the scope of compulsory insurances and mandates pre-disaster insurance policies. Following the earthquake disaster in the Marmara Region on 17.08.1999, compulsory insurance against earthquakes was introduced in Turkey with the Decree Law No. 587, which entered into force on 27.09.2000. This eliminated the obligation of the state to pay earthquake-related payments for the buildings determined by Turkish Natural Catastrophe Insurance Pool (TNCIP). Citizens have obtained modern, reliable, and regular insurance protection against earthquake damage. Naturally, the success or failure of Compulsory Earthquake Insurance (CEI) and Turkish Natural Catastrophe Insurance Pool (TNCIP) can be questioned after a major disaster. Since TNCIP is a new institution and other countries have not yet adopted it as an example, precedent institutions and past data cannot be included in the literature.

This study considers an application of the first-order Grey Markov Model to foresee the values of Italian power generation in relation to the available energy sources. The model is used to fit data from the Italian energy system from 2000 to 2022. The integration of Markovian error introduces a random element to the model, which is able now to capture inherent uncertainties and misalignments between the Grey model predictions and the real data. This application provides valuable insights for strategic planning in the energy sector and future developments. The results show good accuracy of the predictions, which provides powerful information for the effective implementation of energy policies concerning the evolution of energy demand in the country. Despite advancements, Italy’s 2032 energy mix will still significantly rely on fossil fuels, emphasizing the need for sustained efforts beyond 2032 to enhance sustainability.

In this study, unlike conventional methods for producing vanadium (3.5+) electrolyte by VOSO4 and V2O5, a batch-type hydrothermal reactor was used to produce a vanadium (3.5+) electrolyte for vanadium redox flow batteries through a reduction reaction. The starting material, V2O5, was mixed with different concentrations of citric acid (0.8M, 1.2M, 1.6M, 2.0M) as reducing agent and stirred using a hot plate at 90°C for 60 minutes to achieve complete dispersion in the solution. The resulting solution was then subjected to a hydrothermal reduction reaction in a furnace at 150°C for 24 hours to produce vanadium (3.5+). The mixed state of the produced vanadium (3+) and vanadium (4+) was confirmed using UV-vis spectroscopy. Electrochemical properties were investigated through CV analysis, confirming that the optimal concentration was 1.6M. Charge and discharge experiments were conducted to compare the current efficiency, energy efficiency, and voltage efficiency of the electrolyte prepared by the hydrothermal reduction process and the electrolyte prepared by VOSO4. As a result, the electrolyte produced through the hydrothermal reduction process showed improved performance in all efficiencies. The results shows that vanadium (3.5+) electrolyte could be easily produced through a reaction process using citric acid.

The purpose of this study is to establish whether digital literacy and insurtech adoption influence insurance inclusion in Uganda. Principally, we sought to determine whether insurtech adoption mediates the nexus between digital literacy and insurance inclusion. This study adopted a cross-sectional and quantitative correlational approach. The study’s sample was 391 individuals who had used digital platforms such as mobile phones and computers to access insurance products and services in Uganda. Data were collected using structured survey questionnaires. Partial Least Squares Structural Equation Modelling (PLSEM) was employed to test the hypothesised relationships. The results demonstrate that both digital literacy and insurtech adoption significantly and positively influence insurance inclusion. We also found digital literacy to be a significant and positive determinant of insurtech adoption. Markedly, it was found that insurtech adoption mediates the association between digital literacy and insurance inclusion in Uganda. However, this study was conducted in a developing country with an underdeveloped insurance market and with low technological advancement. This may affect generalisation of the study findings. This study’s novelty lies in establishing how digital literacy and insurtech adoption interplay to influence insurance inclusion in Uganda. This is the first study to examine the effect of digital literacy and insurtech adoption on insurance inclusion.

This research investigates the fatigue behaviour and fracture mechanics of high-performance concrete (HPC), including various compositions such as HPC with basalt aggregates (HPC-B), HPC with gravel (HPC-G), and high-strength coarse mortar (CM) static and cyclic tensile loading within the special priority program SPP 2020. The study aims to integrate fracture mechanics into structural analysis to enhance design guidelines for slender cross-sections and safety-related high-performance structural components. The experimental investigations reveal HPC-B's re-markable superiority, displaying higher compressive strength, modulus of elasticity, and tensile strength compared to HPC-G and CM. A modified disk-shaped compact tension (MDCT) based on ASTM standards, aided by digital image correlation (DIC) unveils fracture behaviour, empha-sizing fracture energy as a crucial parameter. HPC-B exhibits improved crack resistance and notch sensitivity reduction attributed to crushed basalt aggregates and enhanced interfacial transition zone (ITZ). The research scrutinizes factors like material characterization, aggregate morphology, stress levels, and displacement rate on crack formation. High-cycle fatigue tests show HPC-B's superior performance, and post-fatigue analysis reveals enhanced residual fracture toughness attributed to nano-level structural changes, stress redistribution and aggregate-matrix interac-tion. 3D image analysis via Computed Tomography (CT) scans captures mesostructural crack propagation and provide quantitative insights. This study advances the understanding of HPC fatigue behaviour, emphasizing the interplay of aggregate types, morphologies, and their dy-namic response to cyclic loading, offering valuable insights for optimizing design guidelines and fostering innovation in structural engineering.

Building small populations mortality tables has great practical importance in actuarial applications. In recent years, several works in literature explored different methodologies to quantify and assess longevity and mortality risk, especially within the context of small populations: many models dealing with this problem usually use a two-population approach, modelling a mortality spread between a larger reference population and the population of interest, via likelihood-based techniques. To broaden the tools at actuaries’ disposal to build small population mortality tables, a general structure for a two-step two-populations model is proposed, its main element of novelty residing in a machine-learning based approach to mortality spread estimation. In order to obtain this, Contrast Trees and related Estimation Contrast Boosting techniques have been applied. A quite general machine learning-based model has then been adapted in order to generalize Italian actuarial practice in company tables estimation and implemented using data from Human Mortality Database. Finally, results from the ML-based model have been compared to those obtained from the traditional model.

Researchers have explored primary colour-geometric shape associations since Kandinsky's correspondence theory. However, there is a gap in the literature regarding interior colour applications on surface shapes. To address this gap, an online study was employed to gather data with one hundred participants who were asked to choose their preferred colours for shapes on bedroom walls with follow-up questions on the colour-shape semantic associations, their preference of colours and shapes on bedroom walls independently in addition to their favourite colour, their favourite shape, and colour-shape pairs without interior context. The results revealed that colour-shape preferences in interiors differ from those found in psychology studies, other colour applications on bedroom walls, and other preferences, indicating that colour preference is context-dependent. Interestingly, the most popular colour for surface shapes on bedroom walls is purple, followed by brown and blue. The study contributes to the existing literature by providing colour charts for bedroom applications for professionals in the industry, their clients/users, and future studies.

Reminding the courier through wearable artificial intelligence devices to prevent accidents is not only beneficial to the courier's safety but also will save a lot of insurance premiums for express companies, therefore, it is worth investigating what factors can influence the acceptance of wearable artificial intelligence devices by couriers. Push-pull-mooring (PPM) theory and affective event theory (AET) are integrated to test couriers’ adoption to wearable safety detection devices. Social influence, perceived security, personal innovativeness and affective event reaction are applied to research model. Questionnaires are distributed among several listed express companies and 263 valid questionnaires are used for empirical test. Empirical results indicated that social influence, perceived safety, personal innovativeness and affective event reaction are positively related to usage with coefficients 0.218, 0.301, 0.698 and 0.309. Personal innovativeness has positively moderating effects on relationships between affective event reaction, perceived security and usage with coefficients 0.145 and 0.106, whereas has no significant moderating effect on relationship between social influence and usage. The research aims to help support the proliferation and adoption of wearable artificial intelligence devices to optimize the current state of the express industry and improve the interaction between couriers and managers, creating an active management strategy that will allow express companies to thrive. This study can help express companies reduce insurance costs and therefore reduce the premium pricing of insurance companies for the courier industry.. This study also provides design suggestions for the application of wearable artificial intelligence devices based on chat GPT in various working conditions.

Prescribed fire is increasingly utilized for conservation and restoration goals, yet there is limited empirical evidence supporting its effectiveness in reducing wildfire-induced damages to valued resources of significant worth—whether natural, cultural, or economic. This study evaluates the efficacy of prescribed fire in reducing wildfire severity to LANDFIRE-defined vegetation classes and valued resources impacted by the 2017 West Mims event. Wildfire severity, measured using the differenced normalized burn ratio (dNBR) index, was highly heterogeneous both within and between vegetation classes; however, profound differences between treated and untreated areas were evident. The beneficial effects of prescribed fire were most pronounced within ca. two-years post-treatment but remained evident beyond three-years relative to untreated areas. For example, actively managed areas that were treated with prescribed fire just one month prior to the West Mims event exhibited an 88% reduction in mean wildfire severity relative to unmanaged areas. When post-treatment duration reached 38 months, mean wildfire severity remained 17% lower than untreated areas. Findings from this study reveal significant reductions in both average and peak wildfire severities in areas treated with frequent fire, supporting burn rotations of one to two years to balance fuel reduction and ecological conservation.

The increasing frequency and intensity of wildfires necessitate innovative solutions to enhance firefighting capabilities. This review provides a comprehensive evaluation of vehicles specifically designed for direct forest fire suppression, focusing on their speed of fire response, and encompasses both ground and aerial units. The study explores the functionality and speed capacity of various fire suppression vehicles, including fire trucks, firefighting aircrafts and helicopters, robotic firefighting vehicles and uncrewed aerial vehicles (UAVs). Key features such as mobility, water capacity, and advanced technologies including Artificial Intelligence (AI)-driven navigation and remote sensing capabilities are evaluated. The review also addresses the operational challenges these vehicles face in wildland environments. Additionally, it identifies emerging trends and innovations in fire suppression vehicle technology, offering insights into future developments that aim to enhance the effectiveness and safety of firefighting operations in forest fires. This overview aims to serve as a valuable resource for researchers, fire departments, and emergency response planners focused on advancing fire suppression strategies in forest.

Fires in houses are inevitable and they cause loss of life and major repair costs for the damage structure and contents. There is a clear need to prevent its ignition and spread to adjacent areas. This article presents the steps taken, namely: contacts, data collection, tests, analysis and conclusions regarding the accident resulting from the outbreak and spread of a fire, on December 25, 2020, in a traditional Portuguese house in Arganil, Portugal. The owners and the court requested to carry out an expert opinion by a person with specialized technical-scientific knowledge, which led to this work as an expert. the work consists of carrying out observations and data analysis. Then, the observed and analysed data were laboratory tested in order to consistently identify characteristics that lead to the ignition and propagation of the fire. This work identified construction problems, materials used and heat sources that are responsible for the accident. The conclusions may be used to avoid future incidents or accidents with houses of same construction type.

Residential segregation refers to the phenomenon where people of different socioeconomic backgrounds live in spatially separated areas. It is essential to ensure equitable access to urban amenities for all residents in pursuit of the normative values in urban planning. To achieve this planning goal, the disparity in accessibility to urban amenities needs to be appropriately diagnosed. Private apartments and public rental apartments are representative types of residences where residential segregation is likely to occur in the context of South Korea, since these two types show considerable differences in the education, income, and occupations. The objective of this study is to develop an analysis framework for diagnosing the difference in accessibility to urban amenities between the two residential types, and to empirically demonstrate their utility in the planning process. The empirical analysis conducted on Seoul revealed that not only were there significant local variations in accessibility between the two segregated residential areas, but the overall differences across the entire area were also pronounced. The proposed framework is useful in supporting decision-making processes for locating new public facilities or identifying regional priorities for guiding the placement of private amenities, with the aim of mitigating differences between segregated residential areas.

As Li-ion batteries use is spreading, incidents in large energy storage systems (stationary storage containers, …) or in large-scale cell and battery storages (warehouse, recyclers, …), often leading to fire, are occurring on regular basis. Water remains one of the most efficient fire extinguishing agents for tackling those battery incidents and large quantities are usually necessary. Since bat-teries contains various potentially harmful components (metals and their oxides or salts, sol-vents…) and that thermal runway induced battery incidents are accompanied with complex and potentially multistage fume emissions (containing both gas and particles) the potential impact of fire run-off water on the environment should be considered and assessed carefully. The tests presented in this paper focus on the analysis of the composition of run-off waters used to spray NMC Li-ion modules under thermal runaway. It highlights that waters used for fire-fighting are susceptible to contain many metals, including Ni, Mn, Co, Li and Al mixed with other carbonaceous species (soot, tarballs) and sometimes undecomposed solvents used in the elec-trolyte. Extra-polation of pollutant concentrations compared with PNEC values showed that, for large scale incidents, run-off water could be potentially hazardous to the environment.

This study presents a novel approach to analyzing the present value of total profit for non-participating and participating insurance policies in order to determine the optimal profitability of non-participating and participating insurance policies based on applying the approach used in operations research to the field of finance. As such, a comprehensive insurance product evaluation model was developed using both mathematical models and numerical analysis to evaluate the demand for non-participating and participating life insurance policies in response to changes in interest rates. The findings indicate that non-participating life insurance policies offer greater solvency for insurance companies compared to participating policies. The study also highlights the significance of spontaneous and induced demand in determining the total profit of both types of policies. The study concludes that life insurance companies should focus on generating spontaneous consumer demand, reducing induced demand, and implementing the optimal pricing strategy to achieve maximum profits.

Nanocellulose (CNC) seems to be a promising surfactant, which, together with expandable graphite (EG), forms the essence of an effective natural-based fire retardant wood coating. In our research, the most suitable composition of the mixture was tested concerning good solubility, dispersion, and consistency. Favorable results were achieved with the formulation composed of a 4% CNC alkaline solution with 80 wt.% of selected EG. Subsequently, six different EG were used to prepare these wood fire retardant coatings. The effectiveness of treatments was verified using a test with a radiant heat source, where the test samples' relative weight loss, relative burning rate, and surface temperature during 600 sec were evaluated. All prepared formulations can be characterized as more or less equally effective. However, the best results were obtained with EG of GG 200 – 100 N, where the mass loss of the sample was 8.10 ± 1.24%. Very good results were also achieved by graphite 25 E + 180 HPH (8.70 ± 0.89%), which is similar to the previous one, even according to the microscopic assessment of the coating as well as the expanded layer. Graphite type 25 K + 180 (8.86 ± 0.65 %) shows the expanded layer's best cohesion, coating uniformity, and ease of application. The results of this work confirmed that the CNC coating itself has significant retardation effects.

Western countries are experiencing an increasing aging population, resulting in heightened disability and mobility issues. This trend is expected to escalate in the coming decades. Therefore, ensuring adequate accessibility in collective residential housing –where individuals spend much of their daily lives– is of paramount importance. This paper presents a case study focused on the accessibility of building entrances in collective residential housing in Southeast Spain, specifically in the Region of Murcia. In this region, 9.8% of the population has disabilities, and 15.75% were over 64 years old in 2020. The study began by compiling the relevant national and regional accessibility regulations for existing buildings. Subsequently, extensive fieldwork was conducted, analyzing 150 collective residential housing buildings. Based on this analysis, a set of recommendations to enhance accessibility was formulated for buildings not complying with the regulations. The results are presented and discussed in detail. The most frequent recommendation was the construction of accessible ramps, identified as the primary solution in over 40% of cases, either alone or in conjunction with other measures. In 54% of the cases, multiple interventions were necessary to achieve effective accessibility adaptation. The findings of this study could inform the development of public policies aimed at improving accessibility conditions in urban areas.

Forest fires can occur suddenly and have significant environmental, economic, and social consequences. Timely and accurate evaluation and prediction of their progression, particularly the spread speed in difficult-to-access areas, are essential for emergency management departments to proactively implement prevention strategies and scientifically extinguish fires. This paper provides a comprehensive analysis of advanced technologies for predicting forest fire spread in China and globally. Incorporating remote sensing (RS) technology and forest fire science as the theoretical foundation, and utilizing the Wang Zhengfei forest fire spread model as the technical framework, this study constructs a forest fire spread model based on remote sensing interpretation. The model optimizes the method for acquiring parameters and enhances algorithm accuracy. By considering regional landforms (ridge lines, valley lines, slopes) and vegetation coverage, this paper establishes visual interpretation markers for identifying hotspots within the spread model. Utilizing statistical data from pixels within the fire line zone transforms the methodology for predicting forest fire spread speed, resulting in greater accuracy compared to conventional fixed-point predictions. Finally, the model was applied to the case of a forest fire in Mianning County, Sichuan Province, China and verified using high-time resolution mid-infrared image data and previous research findings. The results demonstrate that the predicted fire spread area from this RS-enabled model is consistent with both high-time resolution geostationary satellite data and previous research outcomes, indicating high reliability. This model can provide crucial fire spread information to relevant emergency departments, enabling effective preemptive measures and scientific firefighting strategies.

Tunnel fires are generally detected using various sensors, including measuring temperature, CO concentration, and smoke concentration. To address the ambiguity and inconsistency in multi-sensor data, this paper proposes a tunnel fire detection method based on an improved Dempster-Shafer (DS) evidence theory for multi-sensor data fusion. To solve the problem of evidence conflict in DS theory, a two-level multi-sensor data fusion framework is adopted. The first level of fusion involves feature fusion of the same type of sensor data, removing ambiguous data to obtain characteristic data, and calculating the basic probability assignment (BPA) function through the feature interval. The second level fusion derives basic probability numbers from the BPA, calculates the degree of evidence conflict, normalizes to obtain the relative conflict degree, and optimizes the BPA using the trust coefficient. The classical DS evidence theory is then used to integrate and obtain the probability of tunnel fire occurrence. Different heat release rates, tunnel wind speeds, and fire locations are set, forming four fire scenarios. Sensor monitoring data under each simulation condition are extracted and fused using the improved DS evidence theory. The results show that the proposed improved DS evidence theory method detects the probability of fire occurrence in the four scenarios as 67.5%, 71.0%, 82.8%, and 83.5%, respectively, and identifies fire occurrence in approximately 2.4 seconds, an improvement of 64.7% to 70% over traditional methods. This demonstrates the feasibility and superiority of the proposed method, highlighting its significant importance in ensuring personnel safety.

This study presents a novel predictive model to address the churn problem in the motor insurance sector using a dual-phase framework. The first phase employs a cave-degree perturbation technique for effective feature selection, while the second phase applies the Magnetic Force Perturbation Technique (MFPT) to optimize the search process and avoid local optima traps. Two metaheuristics are proposed: the Adaptive Random Forest-Assisted Large Neighborhood Feature Optimizer (ARALFO) and the Adaptive Random Forest Particle Swarm Optimizer (ARFPSO) to enhance churn prediction accuracy. The model was evaluated on two real-world motor insurance datasets, achieving a 95% accuracy rate and outperforming state-of-the-art algorithms. An ablation study confirmed the significant impact of the cave-degree and MFPT techniques in boosting predictive performance.

Fire detection is crucial for ensuring human safety and minimizing property damage. By utilizing advanced technologies, we can identify fires early, before they escalate. Autonomous fire detection systems are particularly vital in high-risk areas with minimal human presence. To address this need, we propose an automated fire-detection model based on YOLOv8. We modified the architecture of YOLOv8 and achieved impressive performances. Through comprehensive analysis of different YOLO models and their predecessors, we identified and addressed substantial gaps in this field. Also, by augmenting the framework with additional capabilities, we surpassed previous models, enabling real-time fire detection. Our proposed model achieves impressive performances, with 98% accuracy in fire detection and 97.8% in smoke detection. Moreover, recall rates for fire and smoke are 97.1% and 97.4%, respectively, with a mean average precision (mAP) accuracy of 99.1% for both cases. Finally, we applied an explainable artificial intelligence technique to interpret our proposed model and its results. This study lays the foundation for future research aimed at enhancing fire detection efficiency. The reliability of our modified model presents promising opportunities for future advancements, ensuring increased effectiveness and precision in efficient fire detection.

Wildfires have always been a part of the history of Mediterranean forests. However, forest regeneration after a wildfire is not certain. It depends on many factors, some of which may be influenced by land management activities. Failure of regeneration will cause a regime shift in the ecosystem, reducing the provision of ecosystem services and ultimately leading to desertification. How can we increase Mediterranean forests’ resilience to fire? To answer this question, we did a literature review, investigating chains of processes that allow forests to regenerate (which we label “regeneration mechanisms”), and assessed the impact of selected management practices documented in the WOCAT database on the regeneration mechanisms. We identified three distinct regeneration mechanisms that enable Mediterranean forests to recover, as well as the time frame before and after a fire in which they are at work, and factors that can hinder or support resilience. The three regeneration mechanisms enabling a forest to regenerate after a fire consist of regeneration (1) from a seed bank; (2) from resprouting individuals; and (3) from unburned plants that escaped the fire. Management practices were grouped into four categories: (1) fuel breaks, (2) fuel management, (3) afforestation, and (4) mulching. We assessed how and under what conditions land management modifies the ecosystem’s resilience. The results show that land management influences resilience by interacting with resilience mechanisms before and after the fire, and not just by modifying the fire regime. Our analysis demonstrates a need for adaptive – i.e. context- and time-specific – management strategies.

Fire is a serious security threat that can lead to casualties, property damage, and environmental damage. However, despite the availability of object detection algorithms, challenges persist in detecting fires and smoke. These challenges include slow convergence speed, poor performance in detecting small targets, and high computational cost limiting deployments. In this paper, Fire smoke and human detection based on ConvNeXt and Mixed encoder (FCM-DETR), an end-to-end object detection algorithm based on Deformable DETR, is proposed. Firstly, we introduce ConvNeXt to take the place of Resnet, which greatly reduces the amount of computation and improves the ability to extract irregular flame features. Secondly, to effectively process multi-scale features, the original encoder is decoupled into two modules. Then Mixed encoder, an innovative encoder structure, is proposed, resulting in excellent performance of multi-scale fire and smoke features fusion. What can’t be overlooked is that the encoder block is compatible with any DETR-based models. Finally, the convergence speed is accelerated and the mean of average precision is improved by applying a novel loss function called Powerful IoU v2. The experimental results indicate that our model achieves the best detection accuracy compared to other models, with mAP reaching 66.7%, mAPs and Accuracyfire achieving impressive 50.2% and 98.05%, respectively.

The growing requirements regarding the safety of using polymers and their composites are related to the emergence of more effective, sustainable, and hazardous-limited fire retardants (FR). Significant amounts of FR are usually required to effectively affect the polymer burning behavior, while the knowledge of their recycling potential is still insufficient. At the same time, concerns are related not only to the reduced effectiveness of flame retardancy but, above all, to the potential deterioration of mechanical properties caused by the degradation of temperature-affected additives under processing conditions. This study describes the impact of four-time reprocessing of bio-based polyamide 11 (PA11) modified with an intumescent flame retardant (IFR) system composed of ammonium polyphosphate (APP), melamine cyanurate (MC) and pentaerythritol (PER) and its composites containing additionally short basalt fibers (BF). Composites manufactured by twin-screw extrusion were subjected to four reprocessing cycles by injection molding, comprehensively analyzing structural, mechanical, and fire behavior changes in each cycle. The obtained results confirmed the safety of using the proposed flame-retardant system for polyamide, processed under the recommended process parameters, without the risk of significant changes in the structure despite the partial increase in flammability caused mainly by the degradation of the polymer.

This article presents a low-cost insurance system developed for small-hold farms in disaster-prone regions, primarily using free Earth Observation (EO) data and Free Open Source Software (FOSS) – collectively termed sustainable geoinformatics - with a proprietary mobile phone app that enables verification. The study examined 30 farms in Risaralda department, Colombia. A Digital Elevation Model (12.5m pixels) from the ALOS PALSAR satellite sensor was used with a Geographical Information System (GIS) to map the terrain, drainage and geohazards of each farming district. Google Earth Engine (GEE) was used to carry out Time Series Analysis of 15 EO and weather datasets for 1998 to 2020. This analysis enabled the levels of risk from hydrometeorological hazards to be determined for each farm of the study, providing key data for the setting of insurance premiums. A parametric insurance product was piloted using GPS-tagged, time-stamped mobile phone photos to verify crop health. Key features of this insurance system are its low operational cost and rapid damage verification, relative to conventional approaches to farm insurance. It is an affordable form of insurance for small-scale farmers, with the rapid verification and payment of claims. This relatively fast, low-cost and affordable approach to insurance for small-scale farming enhances sustainable development by enabling policy-holder farmers to recover more quickly from disasters.

Outdoor lighting is becoming increasingly widespread, and residents are suffering from serious light pollution as a result. Residents’ awareness of their rights to protection has gradually increased. However, due to the sometimes-inaccessible nature of residential vertical light incidence intensity data and the high cost of obtaining specific measurements, there is no appropriate hierarchic compensation for residents suffering from different degrees of light pollution. It is therefore important to measure light pollution levels and their damage at the neighborhood scale to provide residents with basic materials for proper protection and to create more politically suitable solutions. This article presents a light pollution assessment method that is easy to perform, is low-cost, and has a short data-processing cycle. This method can be used to monitor residential zone light pollution in other cities. We chose three open areas to test the spatial variation pattern of light intensity. The results are in accordance with spatial interpolation patterns and can be fit, with high precision, using the IDW method. This approach can also be used in 3 dimensions to quantitatively evaluate the distribution of light intensity distribution. We use a mixed-use zone in Beijing known as The Place as our case study area. The vertical illumination at the windows of residential buildings ranges from 2 lux to 23 lux; the illumination in some areas is far higher than the value recommended by CIE. Such severe light pollution can seriously interfere with people's daily lives and has a serious influence on their rest and health. The results of this survey will serve as an important database to assess whether the planning of night-time lighting is scientific and whether it provides residents with a basis for the protection of their rights.

This research aimed to investigate the relationship between climate policy uncertainty (CPU), clean energy (ENERGY), carbon emission allowance prices (CARBON), and Bitcoin returns (BTC) for the period from August 2012 to August 2022. The empirical analysis strategies utilized in this study included the Fourier Bootstrap ARDL long-term coefficient estimator, Fourier Granger Causality, and Fourier Toda Yamamoto Causality methods. Following the confirmation of cointegration among the variables, we observed a positive relationship between BTC and CARBON, a positive relationship between BTC and CPU, and a negative relationship between BTC and ENERGY. In terms of causal associations, we identified one-way causality running from CARBON to BTC, BTC to CPU, and BTC to the ENERGY variable. The study underscores the potential benefits and revenue opportunities for investors seeking diversified investment strategies in light of climate change concerns. Furthermore, it suggests actionable strategies for policymakers, such as implementing carbon taxes and educational campaigns, to foster a transition towards clean energy sources within the cryptocurrency mining sector and thereby mitigate environmental impacts.

Increased wildfire activity is the most significant natural disturbance affecting forest ecosystems, with a strong impact on their natural regeneration. This study presents a comprehensive analysis of post-fire forest recovery using Landsat time series data from 2000 to 2023 in the Middle Volga region of the Russian Federation. The analyses utilised the LandTrendr algorithm in Google Earth Engine (GEE) cloud computing platform to examine Normalized Burn Ratio (NBR) spectral metrics and quantify the forest recovery at low, moderate, and high burn severity (BS) levels. To assess the spatio-temporal trends of the recovery, the Mann–Kendall statistical test and Theil–Sen’s slope estimator was applied. The results suggested that the post-fire spectral recovery is significantly influenced by the degree of the BS on affected areas. The higher the class of BS, the faster and more extensive the reforestation of the area occurs. About 91% (40,446 ha) of the first 5-year forest recovery after the wildfire belong to the BS classes of moderate and high severity. A regression model showed that land surface temperature (LST) was more significant to post-fire recovery than the variability in precipitation (Pr), explaining about 65% of the variance in post-fire recovery. This study provides new insights into the post-fire forest recovery dynamics and scientific bases for the cost-effective management strategies under changing climate conditions.

The research was aimed at comparing the fire characteristics of different types of pepper in the context of designing explosion prevention. The following characteristics were studied: explosion pressure pmax and Kst at selected concentrations, ignition temperature of the deposited dust layer from the hot surface and minimum initiation energy. The comparison of the chemical properties of the used types of pepper was performed using TG/DSC. Results of the measurements suggest that different types of peppers exhibit different explosion characteristics. Each of the samples reached the maximum value of the explosion pressure, and their rate of pressure rise increased at different concentrations. The volume of the explosion chamber used also influenced the explosion characteristics. It is a consequence of the fact that the explosion characteristics strongly depend on the mechanism of action of a particular igniter. The minimum effect on the safety characteristics was observed when measuring the minimum initiation energy and the minimum ignition temperature of dust layer from the hot surface. The results of the measurements suggest that different types of peppers exhibit different explosion characteristics. This information should then be considered in explosion prevention.

Fire detection from satellite sensors relies on an accurate estimation of the unperturbed state of a target pixel, from which an anomaly can be isolated. Methods for estimating the radiation budget of a pixel without fire depend upon training data derived from the location's recent history of brightness temperature variation over the diurnal cycle, which can be vulnerable to cloud contamination and the effects of weather. This study proposes a new method that utilises the common solar budget found at a given latitude in conjunction with an area's local solar time to aggregate a broad-area training dataset, which can be used to model the expected diurnal temperature cycle of a location. This training data is then used in a temperature fitting process with the measured brightness temperatures in a pixel, and compared to pixel-derived training data and contextual methods of background temperature determination. Results of this study show similar accuracy between clear-sky medium wave infrared upwelling radiation and the diurnal temperature cycle estimation compared to previous methods, with demonstrable improvements in processing time and training data availability. This method can be used in conjunction with brightness temperature thresholds to provide a baseline for upwelling radiation, from which positive thermal anomalies such as fire can be isolated.

Background: Health insurance (HI) run by government is providing health care service to large population. Due to poor accountability, participation and sustainability, cooperative health insurance is becoming more popular and effective in low and middle income and some high-income countries too. In Nepal, there are public and cooperative HI is in practice. The aim of this study is to compare the effectiveness of public (government) and cooperative HI in relation to benefit packages, population coverage, inclusiveness, health care utilization, and promptness for treatment in these two health insurance models in Nepal. Method: This is an institution based concurrent mixed study consists of qualitative and quantitative variables from public and cooperative groups. We included all public HI operated by government hospitals and cooperatives groups those purchased hospital service in contract. Two separate study tools were applied to access the effectiveness of insurance models. The key questions were asked for the representatives of government and private health insurance. The numeric information consisted of in quantitative data and subjective response was included in qualitative approach. Descriptive statistics and Mean Whitney U test was applied in numeric data and qualitative information were analyzed by inductive approach Results: The study revealed that new enrolment was not increased, health care utilization rate was increased and the benefit package was almost same in both groups. The overall inclusiveness was higher for the government HI, but enrolment from the religious minority, proportion of negotiated amount during treatment were significantly higher (p<0.05). During illness, the response time to reach hospital was significantly faster in cooperative health insurance than government health insurance. Qualitative findings showed that level of participation, accountability, transparency and recording system was better in cooperative health insurance than public. Conclusion: Cooperative HI could be more sustainable and accountable to the community for all; low, middle and high-income countries.

We examine worldwide Property and Casualty and Life and Health insurance companies from 2004 until 2023, implementing panel regression models and mediation analysis to show that insurers raise their reserves when they face increasing costs for their potential environmental damages, ultimately reducing their profitability and underwriting capacity. Our findings extend to the insurance sector the previous evidence on banks, demonstrating that environmental damages could affect profits and solvency of financial intermediaries. These insights are important especially for insurance managers and regulators.

Background and Objectives: Cancer as the second leading cause of death in the United States poses a huge healthcare burden. Barriers to access to advanced therapies influence the outcome of cancer treatment. In this study, we examined whether insurance types affect the quality of cancer clinical care regarding access to an important monoclonal antibody, ramucirumab. Materials and Methods: Data for 13,340 cancer patients with Purchased or Medicaid insurance from the All of Us Database were collected for this study. The Chi-square test of proportions was employed to determine the significance of patient cohort characteristics and ramucirumab usage between Purchased and Medicaid insurance groups. The independent t-test was utilized to assess the influences of other determinants on insurance types. Results: Cancer patients who are African American, with lower socioeconomic status, or with lower educational attainment are more likely to be insured by Medicaid. Analysis of survey questions demonstrated the relationship between income and education level with insurance type as Medicaid cancer patients were less likely to receive primary care and specialist physician access and more likely to request lower cost medications. In addition, those with Medicaid insurance were identified to have poorer access to expensive therapeutics like ramucirumab compared to those with Purchased insurance.  Conclusions: The inequities of the US healthcare system are observed for cancer patient care; access to physicians and therapeutics are highly varied and dependent on insurance types. Socioeconomic status determines insurance type, which unfortunately generates a significant impact on cancer treatment and disease outcome.

The construction industry is a key driver of environmental change due to its extensive ‎use of resources and high levels of emissions, thus placing a significant burden on global ‎efforts towards sustainable development targets. A large portion of the environmental ‎footprint of buildings results from the energy required to sustain indoor comfort levels. ‎Therefore, enhancing the energy efficiency of existing buildings becomes critical in ‎reducing their environmental impact. This study examines the influence of increasing ‎thermal performance with the aim of reducing heating ‎demand. Thus, numerical modelling tools and different energy performance assessment meth-odologies have been used. ‎Specifically, it evaluates two existing residential buildings in Romania and compares ‎heating demand predictions using PHPP and Mc001-2022 methodologies across various ‎climatic data sets and case studies. The results reveal significant variability in heating ‎demand predictions, emphasizing the importance of methodological choice and climatic ‎data. The ‎study highlights that both PHPP and Mc001-2022 methodologies yield varying results ‎depending on the specific conditions and characteristics of each building. This variation in results underscores ‎the necessity for a nuanced and context-specific approach to energy performance ‎assessment, in-corporating multiple energy efficiency measures tailored to the unique ‎features of each building.

Grasping the spatial and temporal patterns of forest fires, along with the key factors that drive them and the ability to forecast such events accurately, is essential for the successful management of forests. In China's southern region, forest fires significantly endanger the ecological system, public safety, and economic well-being. Through the application of Geographic Information Systems (GIS) and LightGBM (Light Gradient Boosting Machine) model, this study investigates the determinants of fire incidents and formulates a predictive model for forest fire occurrences, alongside a zoning strategy, within the Central-South area. The results indicate: (i) Spatially, fire points exhibit significant clustering and autocorrelation characteristics; (ii) The Central-South Forest Fire Prediction Model shows exceptional accuracy, reliability, and predictive power, with high performance metrics across training and validation sets, including over 85% accuracy, precision, recall, and F1 scores, along with AUC values above 89%, underscoring its efficacy in forecasting forest fires and distinguishing between fire events; (iii) Throughout the year, forest fire risks in the Central-South region of China vary by region and season, with risk spikes from March to May in Guangdong, Guangxi, Hunan, Hubei, and Hainan. From June to August, localized risks are observed in Heyuan and Huangshi, while from September to November, an increase in risk is noted in Guangdong (Meizhou, Heyuan, Shaoguan), Guangxi (Nanning, Hezhou, Yulin), and Hunan (Binzhou, Yongzhou, Hengyang) due to cooler, drier conditions and leaf litter accumulation. From December to February, the risk continues in specific areas across Guangdong, Guangxi, Hunan, and Hubei.

The awareness of the vulnerability of existing structures under both seismic and energy viewpoints highlight the need to develop integrated retrofit solutions combining the structural and thermal performances. In this perspective, the study explores the efficacy of the Resisto 5.9 Tube system, a seismic coat that improves the seismic behaviour of masonry and reinforced concrete (RC) structures, also enhancing their energy performances, thanks to the thermal coat integrated in the basic steel system. The research involves the application of a design procedure specifically developed for this retrofit system from the seismic perspective. Once all the system elements are designed, non-linear static analyses are performed with a Finite Element software comparing the building’s seismic performances before and after the application of Resisto 5.9 Tube. The results demonstrate a significant increase in seismic safety coefficient, proving that this intervention type can be useful to obtain the seismic upgrading of existing RC buildings.

Roof and roofings built to protect the housing and homeowner from undesirable rainwater, have been seen an important structural element throughout history in the entire of housing. In this research, structural and spatial relationships between building envelope with isolation from water in traditional housing architecture are analyzed. Roof, eaves and rain gutters which are isolation from water items were investigated according to shapes, slope direction, materials, carrier systems and covering materials. The qualification of the roofing, eave and rain gutter elements which are equipment elements related to the comfort of the building envelope and the extent of changes in these elements were examined at the traditional housing level. Exemplary, the traditional housing in the city of Trabzon in Turkey were selected. During the completion process of the working, detailed aims related to structure-health reinforcements were specified with the relevant literature review. The chart form has been developed for compilation of information about the general characteristics of the housing in the research area and the building-health reinforcements within the aim of the research. Exemplary houses were selected by external observation technique and the data obtained as a result of observations, interview and determinations related to general characteristics and building-health reinforcements of these housing were handled into a chart form. By evaluating the data obtained; harmony and contrasts in system level practices, the dimensional properties of the elements at the spatial level, the greatness and accuracy levels preferred in various fittings, the harmony and contrasts in the materials, dimensions and practices of the elements at the system and spatial level, harmony and contrasts of applications of new opportunities at the level of building-health reinforcements in traditional housing, conclusions were drawn to identify special and general situations at the level of building-health reinforcements and to obtain information about the comfort requirements of traditional housing. Nowadays, where the health of the building, which is mostly ignored, is gaining importance day by day, concrete and applicable solution data are presented and interpreted for new designs to be made in this direction.

Abstract: Wildfires in forest ecosystems exert substantial ecological, economic, and social impacts. The effectiveness of fire management hinges on precise pre‐fire risk assessments to inform mitigation efforts. This study aims to investigate the relationship between predictions from pre‐fire risk assessments and outcomes observed through post‐fire burn severity analyses. In this study, forest fire risk was assessed with the Fuzzy Analytical Hierarchy Process, in which fire behavior factors were used as input. The degree of burn was determined using the Random Forest method using 11519 training points and 400 test points on Sentinel‐2 satellite images in three different classes. According to the results obtained from 266 selected test points located within the forest boundaries, all primary factors showed an increased effect in areas with high burn severity. Climate, in particular, emerged as the most influential factor, accounting for 52% of the overall impact. However, in cases of high fire severity, climate proved to be the most effective risk factor, ac‐counting for 67%. It followed by topography with 50% accuracy at high fire intensity. In the risk assessment is based on the FAHP method, climate was assigned the highest weight value among other factors with 32.2%. Topography emerged as the second most effective risk factor with 27 %. To evaluate the results more comprehensively both visually and statistically, two regions with different stand canopy characteristics were selected within the study area. While high burn severity had the highest accuracy in Case 1 area, moderate burn severity had the highest in Case 2 area. During the days when the fire continued, the direction of spread was obtained from MODIS images. In this way, the fire severity depending on the direction of fire progression was also interpreted. Through an analysis of various case studies and existing literature, the research underscores both the strengths and limitations inherent in predicting forest fire behavior‐based pre‐fire risk assessments. Furthermore, it emphasizes the necessity of continuous improvement to increase the success of forest fire management.

Mountain fire can become more complex than fires at lower elevation due to the complex interaction of fire, topography, and weather. The Gell River Fire in Tasmania, Australia occurred in rugged terrain where there are abundant fire sensitive vegetation communities, as well as the presence of infrastructure including high-voltage transmission lines. The fire began at the end of December 2018 and lasted a few months, with a final burnt area of approximately 350km² despite significant fire suppression effort. The fire was investigated by employing wind vector maps, numerical weather model vertical sounding charts (NWMVS) and Prototype 2, which is an integrated fire simulator and can detect lateral fire channeling (LFC). Our analysis of the fire found its spread was likely to be introduced into a valley by forced channeling (FC), which is modified synoptic wind, and showed rapid spread in the valley. The simulated fire also showed wider spread than the observed data in the valley, with the simulated fire impacting highly sensitive vegetation communities on the fringes of the valley. This alludes to some potential conclusions: (1) The loss of fire sensitive vegetation would have increased if fire suppression activity had not been conducted. (2) Spotting fires could be produced by LFC because these spotting fire would allow spreading fire in a shorter period. (3) Heterogeneity of vegetation, such as combination of buttongrass and forest, could help carry fire rapidly in the valley with LFC. Fire can propagate faster in buttongrass than in forests while the forests allow the spotting fire.

There are many uncertainties and risks in residential electricity consumption during the economic development. Knowledge of the relationship between residential electricity consumption and its key determinant—income—are important to the sustainable development of electric power industry. Using panel data from 30 provinces for the 1995-2012 period, this study investigates how residential electricity consumption changes as incomes increase in China. Previous studies typically used linear or quadratic double-logarithmic models imposing ex ante restrictions on the indistinct relationship between residential electricity consumption and income. Contrary to those models, we employed a reduced piecewise linear model that is self-adaptive and highly flexible and circumvents the problem of “prior restrictions.” Robust tests of different segment specifications and regression methods are performed to ensure the conservatism of the research. The results provide strong evidence that the income elasticity was approximately one, and it remained stable throughout the estimation period. The income threshold at which residential electricity consumption automatically remains stable or slows has not been reached. To ensure the sustainable development of the electric power industry, introducing higher energy efficiency standards for electrical appliances and improving income levels are vital. And government should emphasize electricity conservation in industrial sector rather than in residential sector.

Given the importance of the development of urban infrastructure and environmental impacts produced by the civil construction waste (CCW), it is important to correct the handling of CCW with objective solutions that are more environmentally friendly. In that sense the present study aimed to determine indicators that make it possible to estimate the amount of CCW generated from construction sites in the city of Londrina, Parana State, Brazil. The generation of CCW was estimated in a general way, regarding the composition of its mixture, correlated to the gross areas of the buildings studied and their generated volumes of RCC. This generating rate was evaluated in a general way and specifies two types of sites: the new residential and new non-residential constructions. The data required for the development of these indicators was obtained through extensive survey and interviews carried out at the environment secretariat of the City Hall. The generating rate of CCW obtained for non-residential buildings was 0.2052m3/m2 or 170.44kg/m2, for new residential sites was 0.2054m3/m2 or 170.60kg/m2 and for new commercial or non-residential construction sites, it was 0.20453 m3/m2 or 169.85kg/m2. It was also possible to estimate the amount generated annually per inhabitant in the municipality, which is 0.60m3/inhabit.year or 498.55kg/inhabit.year.

Using lightweight fire-rated board (LFRB) presents cost-effective opportunities for various passive fire protection measures. The aim of the project is to develop a LFRB with enhanced fire resistance, acoustic properties, and mechanical properties. These properties were determined using the Bunsen burner, furnace, energy dispersive X-Ray, impedance tube instrument, and Instron universal testing machine. To fabricate the LFRBs, vermiculite and perlite were blended with flame-retardant bind-ers, and four types of LFRBs were produced. A fire test was conducted to compare the fire-resistance performance of the LFRBs with a commercially available flame retardant board. The B2 prototype showed exceptional fire-resistant properties, with a temperature reduction of up to 73.0 °C as compared to the commercially available fire-rated magnesium board. Incorporating nano chicken eggshell into the specially formulated flame-retardant binder preserved the LFRBs’ structural integrity, enabling them to withstand fire for up to 120 minutes with an equilibrium temperature of 92.6 °C. This approach also provided an absorption coefficient of α = 2.0, a high flexural strength of 3.54 MPa, and effective flame retardancy properties with a low oxygen/carbon ratio of 2.60. These results make the LFRBs valuable for passive fire protection applications in the construction and building materials industry.

The COVID-19 pandemic profoundly impacted older people in residential aged care facilities (RACFs), especially those with dementia. This retrospective cohort study investigates the impact of the pandemic on agitation incidents within this population in 40 Australian RACFs. We compared pre-pandemic data (January-October 2019) with during-pandemic data (same months in 2020 and 2021) from electronic health records (EHRs) using Python to extract information from nursing notes. Various statistical analyses, including descriptive statistics to summarize the data, and a chi-square test to examine any significant association between the COVID-19 pandemic and the prevalence of dementia and agitation in dementia. Dementia prevalence dropped by 1.98% in 2021 compared to 2019, and by 4.09% compared to 2020 (p < 0.05). Overall agitation symptoms decreased by 20.1% from 2019 to 2021 (p < 0.05), but six specific symptoms increased: resisting (28.98%), wandering (11.78%), restlessness (3.19%), complaining (10.1%), arguing (2.36%), and outbursts (1.74%) (p < 0.05). Conversely, pacing decreased by 15.88% and speaking loudly de-creased by 10.9% (p < 0.05). Over half of the care recipients experienced agitation symptoms 2-5 times each year, increasing from 50.56% in 2019 to 58.28% in 2021 (p < 0.05). It is important to exercise caution regarding the accuracy of these findings due to the reduced opportunity for busy care staff to record behavioral changes caused by the isolation of individuals in their rooms during the pandemic.

The insurance industry plays an important role for European economic stability and the threats and opportunities it faces should be carefully determined. In this paper we highlight the main challenges by using a PEST analysis. This work applies conventional actuarial thought on this area by focusing strictly on the European sector.

Based on research data from the renovation of old residential areas in Chengdu, China, this study provides empirical evidence regarding the causal relationship between urban renewal and the transformation of residents' pro-environmental behaviors. The research findings demonstrate a significant enhancement in residents' engagement in pro-environmental behaviors due to the renovation of old residential areas. Robustness tests based on replacement samples and two-stage difference-in-difference models also confirm the reliability of the conclusions. The preliminary mechanism test indicates that the mechanism of the impact of renovation of old residential areas on the transformation of residents' pro-environmental behaviors can be attributed to two main factors. Firstly, the improvement of environmental infrastructure provides residents with better conditions for participating in pro-environmental activities. Secondly, there is an elevation in residents' environmental protection awareness, prompting a more voluntary engagement in pro-environmental behavior. This study suggests that decision-makers should fully recognize that urban renewal activities nationwide are not only a process of improving urban hardware and functionality, but also a realistic and vivid "environmental education" course for the whole nation. Taking urban renewal as an opportunity to enhance citizens' awareness of environmental protection will effectively promote the transformation of pro-environmental behaviors among residents.

The Affordable Care Act (ACA) is at the crossroads. It is important to evaluate the effectiveness of the ACA in order to make rational decisions about the ongoing healthcare reform, but existing research into its effect on health insurance status in the United States is insufficient and descriptive. Using data from the National Health Interview Surveys from 2009 to 2015, this study examines changes in health insurance status and its determinants before the ACA in 2009, during its partial implementation in 2010–2013, and after its full implementation in 2014 and 2015. The results of trend analysis indicate a significant increase in national health insurance rate from 82.2% in 2009 to 89.4% in 2015. Logistic regression analyses confirm the similar impact of age, gender, race, marital status, nativity, citizenship, education, and poverty on health insurance status before and after the ACA. Despite similar effects across years, controlling for other variables, youth aged 26 or below, the foreign-born, Asians, and other races had a greater probability of gaining health insurance after the ACA than before the ACA; however, the odds of obtaining health insurance for Hispanics and the impoverished rose slightly during the partial implementation of the ACA but somewhat declined after the full implementation of the ACA starting in 2014. These findings should be taken into account by the U.S. government in deciding the fate of the ACA.

Weather surveillance radars routinely detect smoke of various origin. Of particular significance to the meteorological community are wildfires in forests and/or prairies. For example, one responsibility of the National Weather Service in the USA is to forecast fire outlooks as well as to monitor wild fire evolution. Polarimetric variables have enabled relatively easy recognitions of smoke plumes in data fields of weather radars. Presented here are the fields of these variables from smoke plumes caused by grass fire, brush fire, and forest fire. Histograms of polarimetric data from plumes contrast these three cases. Most of the data are from the polarimetric Weather Surveillance Radar 1988 Doppler (WSR-88D aka Nexrad, 10 cm wavelength) hence the wavelength does not influence these comparisons. Nevertheless, in one case simultaneous observations of a plume by the operational Terminal Doppler Weather Radar (TDWR, 5 cm wavelength) and a WSR-88D is used to infer backscattering characteristic and hence sizes of dominant contributors to the returns. In addition, comparisons with observations by other investigators of plumes from urban area but at a 5 cm wavelength are made. To interpret some measurements Computational Electromagnetics (CEM) tools are applied.

Objective: The long-term care insurance (LTCI) system was introduced in 2000 to provide financial support for long-term care services to older adults. What is known on this topic report focuses on a comparative analysis of how the LTCI system has affected older people in Japan. Methods: We obtained data from the literature about the LTCI system, compared and analysed the collected articles, and concluded. Results: The LTCI system has improved access to long-term care services, with more older adults receiving care than before the system’s implementation. This service has improved the quality of life for many elderly individuals who require assistance with daily activities. Furthermore, the LTCI system has alleviated the financial burden of long-term care services since the insurance covers a large portion of the costs. It has made older adults maintain their independence and dignity, as they can afford the necessary care without relying solely on their savings or burdening their families. Conclusions: Japan’s LTCI system has positively impacted older adults by improving access to long-term care services and alleviating financial burdens. However, challenges such as increasing demand and variations in service quality need to be addressed to ensure the system effectively supports older people in Japan.

The Energy Performance of Buildings Directive 2010 calls for the Nearly Zero Energy Standard for new buildings from 2021 onwards: Buildings using “almost no energy” are powered by renewable sources or energy produced by the building itself. For residential buildings, this ambitious new standard has already been reached. But for other building types this goal is still far away. The potential of these buildings to meet a Nearly Zero Energy Standard was investigated by analyzing ten case studies representing non-residential buildings with different uses. The analysis shows that the primary characteristics common to critical building types are a dense building context with a very high degree of technical installation (such as hospital, research and laboratory buildings). The large primary energy demand of these types of buildings cannot be compensated by building and property-related energy generation including off-site renewables. If the future Nearly Zero Energy Standard were to be defined with lower requirements because of this, the state related properties of Bavaria suggest that the real potential energy savings available in at least 85% of all new buildings would be insufficiently exploited. Therefore, it would be useful to instead individualize the legal energy verification process for new buildings to distinguish critical building types such as laboratories and hospitals.

Copulas are useful tools for modeling the dependence structure between two or more variables. Copulas are becoming a quite flexible tool in modeling dependence among the components of a multivariate vector, in particular to predict losses in insurance and finance. In this article, we study the dependence structure of some well-known real life insurance data (with two components mainly) and subsequently identify the best bivariate copula to model such a scenario via VineCopula package in R. Associated structural properties of these bivariate copulas are also discussed.

Off-grid electrification planning increasingly recognizes the importance of productive use of electricity (PUE) to promote community value creation and (financial) project sustainability. To ensure a sustainable and efficient integration in the community and energy system, PUE assets must carefully be evaluated to match both the community needs and the residential electricity demand patterns. We propose a novel methodology interlinking qualitative interviews, statistical analysis, and energy system modelling to optimize decision-making for PUE integration in off-grid energy systems in rural Madagascar by aligning relevant PUE effectively with anticipated residential electricity demand patterns based on socio-economic determinants of the community. We find that a possible contribution of the PUE to reducing the electricity costs depends signifi-cantly on three factors: 1. the residential electricity consumption patterns that are influenced by the socio-economic composition of the community, 2. the degree of flexibility of i) PUE assets and ii) operational preferences of the PUE user, and 3. the capacity of community members to finance and operate PUE assets. Our study demonstrates that significant cost reductions for PUE-integrated off-grid energy systems can be achieved by applying our proposed methodology. When matching PUE and residential consumption patterns, the integration of PUE assets in residential community energy system can reduce the financial risk of operators, provided the PUE enterprise operates reliably and sustainably. We highlight that the consideration of local value chains and co-creation approaches are essential to ensure the energy system is addressing the community’s needs, creates value for the community, enhances the project´s financial sustainability, and is achieving the overall objectives of decentralized energy system planning.

With the aging of China's population, the problem of pension security has become more and more prominent, and whether delayed retirement can effectively alleviate the pension fund gap and ensure the sustainability of the pension fund has become the focus of social concern. This study predicts the income and expenditure of urban workers' basic pension insurance fund from 2021 to 2050 by constructing an actuarial model of pension insurance fund income and expenditure, and simulates the effect of delayed retirement policy. The prediction results show that under the existing system, the basic pension insurance fund for urban workers will have a shortfall for the first time in 2027, and the shortfall will expand year by year. Compared with the non-implementation of delayed retirement policy, the simulation of the implementation of delayed retirementt program delayed the emergence of the fund gap until 2029, and the forecast period of the pension fund gap significantly narrowed, indicating that delayed retirement policy has a certain positive impact on alleviating the pressure of pension payments, but delayed retirementt can not completely eliminate the pension fund gap. In view of this, this paper suggests that a progressive and flexible delayed retirement policy should be introduced as soon as possible to better adapt to the needs of different groups. At the same time, differentiated policies should be formulated for different groups of people and a pension incentive mechanism for delayed retirement should be set up to improve public acceptance of delayed retirement policy. In addition, delayed retirement policy should be combined with other measures, such as lowering the corporate contribution rate and enhancing the value-added capacity of the pension fund, so as to ensure the sustainability of the pension fund.

Despite the lack of evidence that suggests hemodiafiltration (HDF) offers a better survival outcome than standard hemodialysis (HD), the number of patients initiating HDF in Japan continues to rise. This study examined the temporal change in the number of HDF incidents, evaluated factors associated with all-cause mortality, and compared the mortality risk and survival time of patient on HDF with patients receiving standard HD in three sets of 2-year cohorts. The primary analyses included the insurance claims data of 460 HDF patients and propensity score-matched 903 standard HD patients who initiated dialysis therapy between April 1, 2012 and March 31, 2018. Patient follow-up was censored at the time of death or the end of the 2-year study period. The influence of comorbidities on all-cause mortality was investigated, and the survival outcomes between HDF and standard HD patient groups throughout cohorts were compared. The number of HDF patients was increasing throughout cohorts, but the proportions of mortality cases across cohorts slowly decreased. Dementia status increases the mortality risk of patients regardless of dialysis modality. The mortality risk among HDF patients with dementia was more significant than HD patients. Adjusting for all covariates, we observed that HDF patients had a reduced mortality risk and longer survival time than patients on standard HD. This study supports the notion that HDF reduces all-cause mortality compared with standard HD in an incident dialysis population in Fukuoka Prefecture, Japan.

Ghana, blessed with abundant solar resources and has strategically invested in solar photovoltaic (PV) technologies to diversify its energy mix and reduce the environmental impacts of traditional energy technologies. The 50 MW solar PV installation by the Bui Power Authority exemplifies the nation's dedication to utilizing clean energy for sustainable growth. This study seeks to close the knowledge gap by providing a detailed analysis of the system's performance under different weather conditions, particularly on days with abundant sunshine and those with cloudy skies. The research consists of one-year monitoring data of the climatic and AC energy output fed into the grid. This data was used to analyze PV performance on each month's sunniest and cloudiest days. The results show that the total amount of AC energy output fed into the grid each month on the sunniest day varies between 229.3 MWh in December and 278.0 MWh in November, while the total amount of AC energy output fed into the grid each month on the cloudiest day varies between16.1 MWh in August and 192.8 MWh in February. Also, the percentage variation in energy produced between the sunniest and cloudiest days within a month ranges from 16.9% (December) to 94.1% (August). The reference and system yield analysis showed that the PV plant has a high conversion efficiency of 91.3%; however, only the sunniest and overcast days had an efficiency of 38% and 92%, respectively. The BPA plant's performance can be enhanced by using this analysis to identify erratic power generation on sunny days and schedule timely maintenance to keep the plant's performance from deteriorating. Optimizing a solar PV system's design, installation, and operation can significantly improve its AC energy output, performance ratio, and capacity factor on sunny and cloudy days.

Numerous researchers acknowledge that occupational pension protects employees. However, the total occupational pension is shared by employees and employers in China, which is a cost. This study aimed to explore the occupational pension on corporate social responsibility (CSR) and organizational resilience. We drew upon insights from cost-stickiness and resource-based theories to develop a model that illuminates how occupational pension affected firms’ stance toward CSR in the context of the COVID-19 pandemic and how this, in turn, has result organizational resilience. This study categorized CSR into strategic and responsive activities based on cost stickiness. We selected a total of 34,145 observations of Chinese listed companies over the period 2010-2023 as a sample to investigate whether occupational pension changes CSR strategies. The results showed that the cost pressure to contribute to occupational pension drove firms to reduce their responsive CSR and boost their strategic CSR. Moreover, strategic CSR improved organizational resilience, but responsive CSR did not. This relationship between occupational pension and CSR was significantly and negatively moderated by the minimum wage and population aging. Whereas, the relationship between CSR and organizational resilience was significantly and positively moderated by digital transformation and marketing capabilities. This study has implications for decision-making regarding high-quality firm development.

Insurers act as institutional investors and underwriters of risk, therefore improving their own environmental, social, and governance (ESG) performance is important for the transmission of ESG values to all other economic sectors. We analyze ESG scores of worldwide Property and Casualty (P&C) insurers during 2012-2022, and show that more sustainable insurers have high operating leverage, although their combined ratios and z-scores reveal that they are financially stable. Additional results for the US subsample illustrate that stocks issued by sustainable insurers deliver positive excess returns. Overall, these findings suggest that sustainable practices are associated with the ability of insurers to execute business and create value. This is important for insurance managers, investors, and policy makers, as insurers play a prominent role in promoting economic growth and stability.

This paper is focused on mapping the current evolution of Internet of Things (IoT) and its associated cyber risks for the Industry 4.0 (I4.0) sector. We report the results of a qualitative empirical study that correlates academic literature with 14 - I4.0 frameworks and initiatives. We apply the grounded theory approach to synthesise the findings from our literature review, to compare the cyber security frameworks and cyber security quantitative impact assessment models, with the world leading I4.0 technological trends. From the findings, we build a new impact assessment model of IoT cyber risk in Industry 4.0. We therefore advance the efforts of integrating standards and governance into Industry 4.0 and offer a better understanding of economics impact assessment models for I4.0.

In order to achieve the dual carbon goal and simplify the decarbonization process, a CO2 recovery process of the fire-flooding exhaust was designed. The process adopted the two-stage membrane separation method to recover CO2 and obtain high purity CO2 rich flow, and then through the mixed refrigerant liquefaction and rectification column, food grade liquid CO2 was obtained. HYSYS process simulation shows that for the fire-flooding exhaust with a flow rate of 1000 kg/h and a given composition, the process can achieve a CO2 recovery of 69.02%, total product sales S=2086.8 yuan/h, and specific power consumption of 2.818 kW∙h/kg. On this basis, a hybrid simulation platform of HYSYS & Matlab was established. Taking the specific power consumption of the product as the objective function, sequential quadratic programming (SQP) algorithm was adopted to optimize the process, and the optimized specific power consumption was reduced by 18.8%. Finally, by adjusting N2/CO2 components, the adaptability of the optimization condition was analyzed.

Annually, the oak forests of the Zagros Mountain chains, in western Iran and northeastern Iraq, face recurring challenges posed by forest fires, particularly in the Kurdo-Zagrosian forests situated in western Iran and northeastern Iraq. Assessing fire susceptibility relies significantly on vegetation condition. Integrating in situ data, Remote Sensing (RS) data, alongside the integration of Geographical Information Systems (GIS), presents a cost-effective and precise approach to capturing environmental conditions before, during, and after fire events, minimizing the need for extensive fieldwork. This study refines and applies the Zagros Grass Index (ZGI), a local vegetation index tailored to discern between grass-covered surfaces from tree canopies in Zagros forests, identifying the grass masses as the most flammable fuel type. Utilizing Moderate Resolution Imaging Spectroradiometer (MODIS) Normalized Difference Vegetation Index (NDVI) product as input, from 2013 to 2022, the ZGI aims to mitigate the influence of tree canopies, isolating NDVI values solely attributable to grass cover. By incorporating phenological characteristics of forest trees and grass species, the ZGI outperforms NDVI in mapping grass-covered areas that are crucial for fire susceptibility assessment in the study region. Results demonstrate a strong overlap between ZGI-based maps and recorded fire occurrences, validating the efficacy of the index in fire susceptibility estimation.

Background/Objectives: The purpose of this study was to evaluate the relationship between 1-year mortality and health insurance benefit extension policy items in severe pneumonia pa-tients requiring mechanical ventilation using a South Korean nationwide cohort. Methods: A nationwide population-based retrospective study was conducted using the Korean National Health Insurance database. A total of 1,099 patients (542 patients in the health insurance benefit item group and 557 patients in the control group) were included. The primary outcome was 1-year mortality. Results: Among patients with health insurance benefit extension policy items, 203 patients (37.5%) were diagnosed with hemato-oncological disease, who were categorized as group A, and 339 patients (62.5%) were diagnosed with cerebrovascular, cardiovascular, or rare diseases, who were categorized as group B. Group B had lower 1-year mortality (50.7% vs. 62.5%, P

Polyurethane is used extensively in the furniture industry, primarily in beds and sofas. There is a significant volume of research pertaining to the flammability of polyurethane materials, but very little regarding smoke toxicity. Given toxic fire effluents are a primary cause of injury and fatalities, more work needs to be done to test the toxicity of polyurethane materials and the fire retardants they are coated/bound with. The aim of the review is to provide a comprehensive analysis of the decomposition of polyurethane and discuss the development and application of modern fire retardants and their effect on smoke toxicity. This work then provides discussion on the challenges faced when attempting to quantify the toxicity of the effluent produced during combustion. Future work should aim to reduce the toxicity and flammability of polyurethane simultaneously by; reducing the pyrolysis of the polymer, preventing the escape of volatile products, reducing radicals within the system and lowering the temperature of the system. Before this can be achieved, a better understanding of smoke toxicity and the ability to test materials is needed.

Fires pose a significant threat to human life and property. An autonomous fire detection and fighting robot has the potential to mitigate the challenges associated with firefighting. This paper presents the implementation of an autonomous fire detection and fighting robot equipped with sensors, algorithms, and actuators to detect, locate, and suppress fires autonomously. The robot's mechanical and electrical components were designed, prototyped, and tested in a controlled environment to evaluate its ability to navigate through obstacles, detect fires, and suppress them autonomously. The results show that the robot effectively detects and suppresses fires, making it a promising solution for firefighting applications. The study contributes to the development of autonomous robots for firefighting, enhancing the safety of firefighters and the effectiveness of firefighting operations.

MEMS (Micro-electromechanical Systems) becomes important increasingly due to the smarter and smaller fuze used in OICW (Objective Individual Combat Weapon). MEMS Safety and Arming (S&A) device is employed in different platforms and regions for small caliber projectile. Therefore, it is necessary to make a parametric study of the MEMS S&A device in different apply environments and explore the main sensitive factors of the MEMS S&A device to provide reference for designs. In this paper, based on the MEMS S&A device designed by our term, theory and finite element models are established, and the centrifugal insurance mechanism of the MEMS S&A device is parametric studied under the different speeds, temperature and thickness of the model by nonlinear dynamic method. By comparing the experimental and predicted results, the established FEM model is verified, and the conclusion is that the temperature and the centrifugal force are the main sensitive factors in the centrifugal insurance mechanism. In summary, we can suggest that the application environment, which the MEMS S&A device is suitable for, is the temperature equal to or slightly greater than normal temperature and the rotating speed higher than35000r/min of small caliber projectile.

This paper explores the tuning and results of two-part models on rich datasets provided through the Casualty Actuarial Society (CAS). These data sets include BI (bodily injury), PD (property damage) and COLL (collision) coverage, each documenting policy characteristics and claims across a four year period. The datasets are explored, including summaries of all variables, then the methods for modeling are set forth. Models are tuned and the tuning results are displayed, after which we train the final models and seek to explain select predictions. All of the code will be made available on GitHub. Data was provided by a private insurance carrier to the CAS after anonymizing the data set. This data is available to actuarial researchers for well-defined research projects that have universal benefit to the insurance industry and the public. Our hope is that the methods demonstrated here can be a good foundation for future ratemaking models to be developed and tested more efficiently.

This research presents a comprehensive framework for efficiently generating forest fire datasets from Google Earth Engine data sources. The primary contribution of this work lies in providing a methodology to swiftly extract forest fire factors without the need for permissions or access to private datasets, rendering the dataset openly accessible and shared without barriers. Furthermore, given that the remote sensing data used is a global dataset, it can be applied in any region without restrictions. In this study, Peninsular Malaysia is chosen as a case study to demonstrate the framework's effectiveness. The generated dataset includes essential variables including the climate and environment, landcover, topography, and anthropogenic factors facilitating the analysis of fire occurrences. The methodology empowers data scientists, enabling them to leverage their analytical skills on the extracted dataset without requiring specialized remote sensing knowledge. Additionally, this study also showcases the adoption of large language models, specifically GPT-4 with the Noteable plugin, as a tool for conducting preliminary analyses on the generated dataset. Sample analyses reveal that several key features, including the KBDI, LST, PDSI, climate water deficit, and precipitation, significantly impact forest fire occurrences in Peninsular Malaysia. Despite the successful application of the GPT-4 with Noteable plugin, certain limitations and challenges are identified, highlighting the necessity for further validation of the tool's applicability and limitations. This study encourages future research to (1) adopt the proposed framework in other regions, (2) explore more detailed analyses encompassing all variables, and (3) leverage machine learning for advanced forecasting.

Water mist fire suppression technology has attracted an increasing interest from the field of fire protection services such as fire safety for buildings, ships, spacecraft, libraries and museums due to its non-toxic and high efficiency in the suppression of a wide variety of fires. To support the technological development of water mist fire suppression system and its application areas, this review introduces the concept of water mist system and discusses its suppression mechanisms in comparison with other fire protection systems. The recent application areas of water mist system are surveyed for class A fires involving combustible solid materials such as wood, paper and textiles; class B fires involving flammable liquids such as petrol, oils, lubricants, paints and waxes; class C fires involving flammable gasses such as natural gas and liquefied petroleum gas; fires involving electrical (class E) equipment such as computers and information technology facilities; and the class F fires involving flammable cooking oils and fats. Finally, the paper concludes the review by identifying the current research trends, and providing the future direction for water mist technology and applications.

Based on Chinese CDCP report on COVID-19, 14% of patients presented severe disease and 5% critical conditions. The average case-fatality rate was 2.3%, but mortality was as high as 49% in patients with critical illness. Serious life threatening thromboembolic complications have been found in 71·4% of non-survivors and micro/macro angiopathic coagulopathy has been found, also at autopsy, with highly increased neutrophil number, fibrinogen, concentrations of D-dimer and FDPs and NETs, ATIII decrease and normal number of platelets. A cytokine storm and interaction between inflammation and coagulation has been advocated as explanation of hypercoagulability. In this paper, it’s hypothesised that SARS-CoV-2 infection of alveolar cells induces recruitment of innate responder neutrophils, which release proteases and NETs inducing endothelial damage/endotheliopathy and imbalance of the four major proteolytic cascades (coagulation, complement, fibrinolysis and kallikrein) with prevalence of activators over inhibitors and consequent thrombotic complications. Platelets adhesion to damaged endothelium and the presence of ULVWF multimers, due to decreased ADAMTS13, contributes to the state of hypercoagulability. Neutrophil innate “unfriendly fire” response can be identified as the trigger of a “proteolytic storm”, responsible for subsequent well known prothrombotic condition and “cytokine storm”. The hypothesis explains also the pathology of recently described systemic “Kawasaki Disease like” vasculitis cases in Covid-19 young ill patients.

A copula is a useful tool for constructing bivariate and/or multivariate distributions. In this article, we consider a new modified class of (Farlie-Gumbel-Morgenstern) FGM bivariate copula for constructing several dierent bivariate Kumaraswamy type copulas and discuss their structural properties, including dependence structures. It is established that construction of bivariate distributions by this method allows for greater flexibility in the values of Spearman's correlation coefficient rho,  and Kendall's tau . For illustrative purposes, one representative data set is utilized to exhibit the applicability of these proposed bivariate copula models.

To promote of the rural revitalization strategy in China, this study attempts to summarize the gains and losses by the review of the design practice of rural buildings of the People's Commune in the late 1950s. Firstly, from the macro perspective, this paper gleans the relevant commune housing design cases in the Architectural Journal from 1958 to 1960 and summarizes the overall common design policies. Secondly, from the micro perspective, the paper analyzes the process of the investigation and creation through a concrete case. The paper concludes that the actual production and living needs of farmers must be taken into consideration in the process of the implementation of rural modernization, instead of simply putting the focus on standardized construction. Finally, the article points out the two characteristics of "rural modernity" reflected in the process of promoting rural modernization during the early stage of modern China: 1) collective wisdom and efforts; 2) combining local and foreign cultures. This article aims to provide a historical reference for current architects to carry out effective design practices in combination with rural development.

Commuting is a vital travel channel for college students throughout their higher education career; nevertheless, excessive commute time negatively impacts students’ school satisfaction, academic achievement, health, and quality of life. Meanwhile, few studies have explored students’ commute time, covering a large population and scope. Therefore, this study analyzes the dwelling type that influences college and graduate students’ school commute times in the Seoul Metropolitan Area, using data from the 2016 Household Travel Diary Survey. This study uses spatial data on housing development to classify five dwelling types (i.e., new town, housing site development, Seoul, Incheon, and Gyeonggi-do). A multiple linear regression model empirically analyses students’ household and personal characteristics. The results reveal that dwelling type significantly affects students’ commute time. Specifically, Students living in Seoul have a shorter commute to school than those living in new towns. Socioeconomic characteristics have less effect on college and graduate students' school commute time. This study discusses the problem of excessive commuting of college and graduate students in new towns.

According to a recent estimate by UN Habitat, approximately 3 billion individuals will require suitable housing by the year 2030. This staggering demand translates to the need for around 96,000 affordable housing units to be constructed each day. However, the conventional construction methods that rely on cement-based concrete and masonry are outdated, lacking innovation, efficiency, and sustainability. In light of these challenges, cold-formed steel emerges as an appealing alternative to traditional construction materials like masonry and concrete. It offers numerous advantages, including easy fabrication, lightweight properties, energy efficiency, the ability to reuse the material at the end of its service life, and a higher level of recyclability. Cold-formed steel buildings are also recognized for their superior insulation and lower energy consumption during operation. Cold-formed steel (CFS) members are created by rolling structurally sound steel sheets into the required shapes using a forming machine, without the need for heat as in the case of hot-rolled steel. While the thickness of these members can range from 0.01 mm to 7 mm, commercial construction of load-bearing walls, roof trusses, and floor joists typically utilizes steel thicknesses of 0.7 mm to 1.2 mm. This paper tries to illustrate the materials and methods employed in the construction of cold-formed steel modular buildings in Sri Lanka[1]. It delves into the material and durability characteristics of cold-formed steel, the design philosophy behind these structures, the development of the building envelope, and the energy efficiency features of the building elements. The findings of this study demonstrate that cold-formed steel buildings can be a highly sought-after alternative for residential construction, offering faster construction timelines, cost-effectiveness, and energy-efficient practices.

The Victorian Government Inquiry into wildfires that killed 173 people in 2009 has driven an Australian policy shift from self-evacuation or staying and defending a well-prepared property (‘go or stay’) to self-evacuation under catastrophic fire weather (‘leave early’). The Inquiry also led to the establishment of national ‘performance standards’ for Private Fire Shelters (PFS, that also known as bunkers). Nonetheless, incorporation of PFS into national bushfire policy remains embryonic with only Victoria having streamlined accreditation and planning approval processes. Arguments against PFS include potentially engendering complacency about preparing dwellings to survive fire and encourage risky behavior in response to a fire threat. Counteracting these arguments is research that shows that residents without PFS have low engagement with bushfire preparation and typically delay evacuation. In any case, because wildfire is unpredictable it is accepted that self-evacuation plans must have fallback positions that include sheltering ‘in place’ from the bushfire, making properly used and well maintained PFS an important element of bushfire safety. A less discussed barrier to PFS uptake outside Victoria appears to hinge on a lack of clarity about obligations for their design, certification, and consistency with planning approvals. The escalating Australian fire crisis demands much greater research and development in legal frameworks, policy and planning processes for PFS, as well as design and construction standards.

XGBoost is recognized as an algorithm with exceptional predictive capacity. Models for a binary response indicating the existence of accident claims vs. no claims can be used to identify the determinants of traffic accidents. We compare the relative performances of logistic regression and XGBoost approaches for predicting the existence of accident claims using telematics data. The dataset contains information from an insurance company about individuals’ driving patterns – including total annual distance driven and percentage of total distance driven in urban areas. Our findings show that logistic regression is a suitable model given its interpretability and good predictive capacity. XGBoost requires numerous model-tuning procedures to match the predictive performance of the logistic regression model and greater effort as regards interpretation.

Background: Virtual Reality (VR) is an emerging tool in the management of anxiety, one of the most disturbing symptoms of Alcohol Use Disorder (AUD), which often leads to relapse. Still, patients with Alcohol Use Disorder frequently have a history of Acute Symptomatic Seizures, and they are subsequently excluded from studies using VR because of the hypothesized fear of inducing photosensitive seizures. The first part of this narrative review explores the pathophysiological mechanisms of seizures associated with AUD, specifically acute symptomatic seizures. In contrast, the second part explores virtual reality’s safe use in seizure-prone individuals, highlighting that the current state-of-the-art is based on a biased per-ception and old epidemiological data from studies conducted on photosensitive seizures in the late 90s. VR exposure has yet to be reported as triggering seizures within known pharmacovigilance databases. Significance: The implications weigh heavily on VR research currently associated with this significant adverse event. Further studies are necessary to address the risk of seizures triggered by VR in patients predisposed to developing seizures, like alcohol use disorder patients with a history of acute symptomatic seizures. Such research is essential to ensure that the potential benefits of Virtual Reality as a tool for managing anxiety in individuals with alcohol use disorder and acute symptomatic seizures are not unduly restricted. Furthermore, AUD can also serve as an intervention model feasible to de-bias attitudes toward the current lack of evidence base concerning the significant adverse events of VR-induced seizures, therefore facilitating the clinical implementation of this unharnessed digital treatment interface.

Nowadays Air-Source Heat Pumps (ASHP) in combination with a Photovoltaic (PV) installation are a very promising option for a necessary and urgent energy transformation in European Union (EU). It is extremely important to develop solutions that will help maximize the use of energy generated from renewable energy sources (RES). Such issues include the problem of insufficient use of generated electricity in PV on-grid microinstallations in residential buildings. This paper's aim is to analyze the results of one-year-round operation of a PV array grid-connected hybrid installation with ASHP for domestic hot water (DHW) preparation in a residential building in Cracow, Poland in the context of increasing self-consumption (SC) of PV energy. Models of systems are built and simulated in Transient System Simulation Tool 18 (TRNSYS) software. Simulations were carried out for different scenarios involving different building electricity consumption profiles, PV system capacity and specified runtime management of ASHP. The novelty of this study lies in the evaluation of the impact of a certain range of conditions on the energy performance of the system, in particular on SC. The results showed that the use of ASHP, with specified runtime management, results in an increase in monthly SC values from 7 to 18%, and annual SC values up to 13%. Also determining the appropriate size of the used PV system depending on whether it is present ASHP in the installation is crucial to increase the value of the SC parameter. Overall, this study provides valuable insights into the potential benefits of PV panels and ASHP operating together, in particular on SC values.

As fossil-fueled heating in the building sector is responsible for 16 % of Germanys total CO2 emissions, it is of great importance to use climate-neutral alternatives for the decarbonization of this sector. Options for the climate-neutral heating of buildings include electricity or hydrogen as energy carriers, both explicitly considered by German policy. In this paper, bottom-up studies are conducted to investigate the role of hydrogen for the climate-neutral energy supply of ten selected residential buildings in comparison to electricity-based systems. Based on a selection of as different typical buildings as possible for single- (SFH) and multi-family houses (MFH) of different construction years, demand profiles are simulated for each building and the respective cost-optimal supply system is determined. For the construction of this system, the electricity-based technologies available are electric heater and heat pump as well as the hydrogen-based technologies hydrogen boiler and fuel cell combined heat and power (CHP) system. Based on the results of the optimization, sensitivity analyses are performed. These analyses aim to identify threshold values of the hydrogen price for the use of hydrogen in building energy systems as well as to make the quantities of hydrogen consumed visible.The identified threshold values show the significant role of hydrogen-operated CHP in MFH if the hydrogen price reaches 0.17 €/kWh_H2 in 2050 at an electricity price of 0.31 €/kWh_el. So, hydrogen-based energy systems represent an economically viable alternative to electricity-based systems with heat pumps. We identify electricity to hydrogen price ratios for the economically viable use of hydrogen in the examined buildings that range from 1.67 to 2.82. According to these ratios, the economically reasonable use of hydrogen in buildings can be derived. For the individual building groups for the year 2050, a ratio of 2.5 can be determined for SFH and 1.8 for MFH, that is favored by the use of CHP which also supplies electricity to the buildings. However, the role hydrogen will finally play in German residential buildings in the future depends to a large extent on political decisions on distribution issues and price signals.

Accurate and prompt determination of fire types is essential for effective firefighting and reducing damages. However, traditional methods such as smoke detection, visual analysis, and wireless signals pose unavailability in identifying fire types. This paper introduces FireSonic, an acoustic sensing system that leverages commercial speakers and microphones to actively probe the fire using acoustic signals, effectively identifying indoor fire types. By incorporating beamforming technology, FireSonic first enhances signal clarity and reliability, thus mitigating signal attenuation and distortion. To establish a reliable correlation between fire types and sound propagation, FireSonic quantifies the Heat Release Rate (HRR) of flames by analyzing the relationship between fire heated areas and sound wave propagation delays. Furthermore, the system extracts spatiotemporal features related to fire from channel measurements. Experimental results demonstrate that FireSonic attains an average fire type classification accuracy of 95.5% and a detection latency of less than 400 ms, satisfying the requirements for real-time monitoring. This system significantly enhances the formulation of targeted firefighting strategies, boosting fire response effectiveness and public safety.

For the majority of the contractual arrangements used in construction projects, the owner is not responsible for the cost deviations due to the variability of labor productivity or material price, amongst many other aspects. Consequently, the cost performance of a project may be entirely distinct for the owner and the contractor. Since the majority of the quantitative research on cost estimation and deviation found in the literature adopts the owners’ perspective, this research provides a contribution towards modelling costs and cost deviation from a contractors’ perspective. From an initial sample of 13 residential building and 10 office building projects, it was possible to develop models for cost estimation at the early stage of development including both endogenous and exogenous variables. Although the sample is relatively small, the authors were able to fully analyze all the cost data, using no secondary sources of data (very frequent in cost modelling studies). The statistically significant variables in the cost estimation models were the areas above and below ground and the years following the 2008 financial crisis, including the international bailout (2011-2014) period. For estimating the unit cost, a nonlinear model was obtained with the number of underground and total floor, the floor ratio and the years following the 2008 financial crisis, including the international bailout (2011-2014) period as predictors. For the office buildings, it was also found a statistically significant correlation between the cost deviation and the number of underground floors.

Artificial intelligence (AI) is a tool that financial intermediaries and insurance companies use in most cases or are willing to use it in almost all their activities. AI can have a positive impact on almost all aspects of the insurance value chain.: pricing, underwriting, marketing, claims management, after-sales services. While it is very important and useful, AI is not free of risks, including its robustness against cyber-attacks and so-called adversarial attacks. Adversarial attacks are conducted by external entities to misguide and defraud the AI algorithms. The paper is designed to provide a review of adversarial AI and discuss its implications for the insurance sector. The study starts with a taxonomy of adversarial attacks and presents a fully-fledged example of claims falsification in health insurance. Some remedies, consistent with the current regulatory framework, are presented.

The construction of earth buildings, both throughout history and in the current day, is well-established worldwide. Despite New Zealand's pre- and post-colonial history of earth construction, earth buildings as residential homes have not been well-received or popularised throughout present-day New Zealand. This research aims to identify the reasons for this lack of awareness and to determine methods that promote earth buildings in New Zealand. This research is based on data collected from semi-structured interviews conducted with subject matter experts and via an online questionnaire completed by members of the Earth Building Association New Zealand (EBANZ). The data collected revealed the experiences and perceptions of all participants regarding the advantages, challenges and promotion of earth buildings specific to New Zealand. Upon analysing these responses, key reoccurring themes were identified and compared. Regarding New Zealand's lack of awareness of earth buildings, interview and questionnaire participants responded that this shortcoming was due to earth construction being a very niche market and lacking commercial marketing. Education was the most frequently reoccurring theme raised by all participants as the top promotional tool for raising awareness of earth buildings. The results of this research can be applied to future work regarding obstacles that limit the growth of New Zealand's earth building industry, as well as research on the role of New Zealand's education system in exposing the next generation of builders, designers, and consumers to earth construction.

In this paper, we study a generalised CIR process with externally-exciting and self-exciting jumps, and focus on the distributional properties and applications of this process and its aggregated process. The first and second moments of this jump-diffusion process are used to calculate the insurance premium based on mean-variance principle. The Laplace transform of the aggregated process is derived, and this leads to an application for pricing default-free bonds which could capture the impacts of both exogenous and endogenous shocks. Illustrative numerical examples and comparisons with other models are also provided.

To enable net zero sustainable thermal building energy this study develops an open-source thermal house model to couple solar photovoltaic (PV) and heat pumps (HP) for grid-connected residential housing. The calculation of both space heating and cooling thermal loads and the selection of HP is accomplished with a validated Python model for air-source heat pumps. The capacity of PV required to supply the HPs is calculated using an System Advisor Model integrated Python model. Self-sufficiency and self-consumption of PV and the energy imported/exported to the grid for a case study are provided, which shows that simulations based on the monthly load profile have a significant reduction of 43% for energy sent to/from the grid compared to the detailed hourly simulation and an increase from 30% to 60% for self-consumption and self-sufficiency. These results show the importance of more granular modeling and also indicate mismatches of PV generation and HP load based on hourly simulation datasets. The back-calculation PV sizing algorithm combined with HP and thermal loads presented in this study exhibited robust performance. The results indicate this approach can be used to accelerate the solar electrification of heating and cooling to offset the use of fossil fuels in northern climates.

Population events such as natural disasters, pandemics, extreme weather, and wars might cause jumps that have an immediate impact on mortality rates. The recent COVID-19 pandemic has demonstrated that these events should not be treated as nonrepetitive exogenous interventions. Therefore, mortality models incorporating jump effects are particularly important to capture the adverse mortality shocks. The mortality models with jumps, proposed by Cox. et al. , Chen and Cox , and Özen and Şahin , which we consider in this study, differ in terms of the duration of the jumps - transitory or permanent, frequency of the jumps, and size of the jumps. To illustrate the effect of jumps, we also consider benchmark mortality models without jump effects, such as the Lee-Carter , Renshaw and Haberman and the Cairns-Blake-Dowd models. We discuss the performance of all the models by analysing their ability to capture the mortality deterioration caused by COVID-19. We use data from different countries to simulate the mortality rates for the pandemic years and examine their accuracy in forecasting the mortality jumps due to the pandemic. Moreover, we also analyse the impact of mortality jump models on catastrophe bond pricing.

Fires are the leading cause of death, serious injury and property damage. In the past, schools, temples and government offices had more frequent fires than they should. Statistics showed that the number of fires between 2017 to 2022 amounted 13,593 cases which mostly occurred in the school, temple and government offices (40.0% of all buildings). Moreover, it causes more damage among disabled especially the blinds who has a limited vision. Therefore, this cross-sectional purpose of this study was to assess fire risk including management model in school for the blind. The fire checklists, brainstorming and Analytic Hierarchy Process (AHP) were applied to estimate the fire risk in school for the blind building. The findings revealed an inherent fire hazard factors with a risk score equal to 3.2830 and evacuation factors with a risk score equal to 3.3178 were acceptable risk except the fire control factors with a risk score equal to 1.4320 was unacceptable risk may cause an impact on life, health, property and public communities. Eventually, efforts should be made to supervise those risk factors by designing suitable activities to reduce undesirable conditions in school for the blind.

Background: In long-term care facilities, there are many residents who do not have the ability to seek shelter by themselves in the case of an emergency. Thus, it is extremely important that the staff of nursing homes are equipped with correct disaster prevention concepts, emergency survival responses, and hazard mitigation measures. Purpose: Discuss the intervention effectiveness of different fire prevention and emergency response trainings at nursing homes and the relationship and predictivity of awareness to self-efficacy. Method: Recruit staff from two nursing homes through purposive sampling, using a two-team pre-and post-test design to collect results from 41 individuals in the experiment group and 40 individuals in the control group. The research tool is the “Nursing Home Fire Prevention and Emergency Response Awareness and Self-Efficacy Scale,” to compare the effectiveness of advanced and general fire safety trainings. Result: After receiving improved advanced fire safety training, the total score and the result of the experiment group on fire prevention and emergency response awareness and self-efficacy had both performed better than the control group who received general fire safety training (p < .001); fire prevention and emergency response awareness has significant and positive correlation with self-efficacy (r=.601, p < .001), and awareness is a significant predictor variable to self-efficacy (p < .001). Conclusion/Practical Application: This study finds that the key to improving learning effectiveness includes adding fire science concept chapter when creating fire safety training material in order to strengthen basic awareness; fire safety training should comprehensively introduce all related duty responsibilities of staff fire defense formation, in turn enabling mutual responsive support for the needs of the site; also, to become familiarized with the knowledge requires appropriate frequency of training and enhancing the staff’s awareness to fire prevention and emergency response, which is the most important key of learning effectiveness.

This work presents the dynamics of forest clearing in the Brazilian Amazon during the period 2006–2019 in which includes the approval of the new Brazilian Forest Code in 2012. The study was carried out in the Brazilian Amazon, Pará State and in the municipality of Novo Progresso (Pará State). The analysis was based on deforestation and fire hotspot datasets issued by the Brazilian Institute for Space Research (INPE), produced based on optical and thermal sensors onboard different satellites. Deforestation data was also used to assess greenhouse gas (GHG) emissions from the slash-and-burn practices. The work showed a good correlation between the occurrence of fires in the newly deforested area in the municipality of Novo Progresso and the slash-and-burn practices. The same trend was also observed in the Pará State, suggesting a common practice along the deforestation arch. The study indicated positive coefficients of determination of 0.72 and 0.66 between deforestation and fire occurrences for the municipality of Novo Progresso and Pará State, respectively. The increased number of fire occurrences in the primary forest suggests possible ecosystem degradation. Deforestation reported for 2019 surpassed 10,000 km2, a significant intensification comparatively higher than the previous ten years which was on an average of 6,760 km2. The steady increase of deforestation in the Amazon after 2012 has been a worldwide concern because of the forest loss itself as well as the massive GHG emitted in the Brazilian Amazon (295 million tons of net CO2 equivalent in the year 2019). Better correlation of deforestation and fires occurrences reported from satellite images confirmed the slash-and-burn practice and the secondary effect of deforestation, which degrades primary forest surrounding the deforested areas.

The peri-urban and urban forests in Greece occupy a total area of 105.353 ha. In these vulnerable ecosystems, fire constitutes a natural disaster presenting particular challenges and specific difficulties. These include the high number of visitors as well as forests characteristics - such as the presence of particularly flammable tree species and high accumulation of combustible biomass – that make the on-start of fires more likely. The main purpose of the current research is to identify the optimum combination of silvicultural treatments to efficiently reduce potential forest fire severity and to facilitate their successful suppression by firefighting crews. In order to simulate the basic fire environment of urban forests, two main experimental plots were established and several tree and topographical characteristics were measured. Additionally, the NEXUS wildfire system was used to simulate forest fire potential behavior before and after the adoption of the silvicultural treatments that altered critical characteristics of the forest fire environment. The results clearly show that specific silvicultural prescriptions altered the type of forest fire spreading potential, revealing the overall efficiency of preventing actions during forest management.

Fire accidents are common accidents amongst residential house occupants in Libya. Some of the factors that can mitigate fire accidents in Libyan residential houses include fire safety awareness and knowledge. This study investigated the level of awareness and knowledge of fire safety amongst residential house occupants in Libya. The possibility and consequences of fire hazards and risk existing in residential houses in Libya were also studied. Experimental data obtained for 1.5 m/s and 3.5 m/s as walking and running evacuation time, respectively amongst residential house occupants in Libya were also compared. The sample consist of 90 respondents with instruments of fire safety awareness and knowledge, fire hazard and consequences, and the involvement of residential house occupants in fire emergency. Statistical analysis was performed at p < 0.05 to determine the levels of residential awareness and knowledge regarding fire safety and the hazard and consequences. The findings illustrated that the items were highly reliable (α > 0.7) and normally distributed. Also, the results illustrated that the majority of residential house occupants in Libya have fair level of fire safety awareness and knowledge with overall percentage of 80% and 90%, respectively. On the other hand, the results further showed that majority of residential house occupants have good level of fire emergency involvement with 90%. This paper proposes a fire safety assessment method which may form the basis of future fire safety practice in Libya.

There is a growing concern about climate change being a serious threat to insurance business sustainability. Knowing if climate warming is a cause for claims and losses increase, and how this cause-effect relationship will develop in the future are two open major questions. In this article, we answer both questions by particularizing the geographical area of Spain, and a precise risk, hailstorm in crop insurance in the line of business of wine grapes. We measure climate change thanks to the Spanish Actuarial Climate Index (SACI). We use a database containing all the claims caused by hail risk in Spain from 1990 to 2022. With homogenized data, we consider as dependent variables the monthly number of claims, monthly number of loss costs equal to one, and monthly total losses. The independent variable is the monthly Spanish Actuarial Climate Index (SACI). We try to explain the former through the latter using regression and quantile regression models. Our main finding is that climate change as measured by SACI explains these three dependent variables. We also give an estimation of the increase of the monthly total losses Value at Risk, corresponding to a future increase in climate change measured in units of SACI. Spanish crop insurance managers should carefully incorporate these conclusions into their decision-making process to keep this line of business sustainable in the future.

We provide methodology and numerical results for the Hattendorff differential equa- tion for the continuous time evolution of the variance of L(j)t , the loss at time t random variable for a multi-state process, given that the state at time t is j.

In Rwanda, more than 90% of the population is insured for health care. Despite the comprehensiveness of health insurance coverage in Rwanda, some health services at partner institutions are not available, causing insured patients to pay unintended cost. We aimed to analyze the effect of health insurance on health care utilization and factors associated with the use of health care services in Rwanda. This is an analysis of secondary data from the Rwanda integrated living condition survey 2016-2017. The survey gathered data from 14580 households, and decision tree and multilevel logistic regression models were applied. Among 14580 households only (20%) used health services. Heads of households aged between [56-65] years (AOR=1.28, 95% CI:1.02-1.61), aged between [66-75] years (AOR=1.52, 95% CI: 1.193-1.947), aged over 76 years (AOR=1.48, 95% CI:1.137-1.947), households with health insurance (AOR=4.57, 95% CI: 3.97-5.27) displayed a significant increase in the use of health services. This study shows evidence of the effect of health insurance on health care utilization in Rwanda: a significant increase of 4.57 times greater adjusted odds of using health services compared to those not insured. The findings from our research will guide policymakers and provide useful insights within the Rwanda context as well as for other countries that are considering moving towards universal health coverage through similar models.

In nowadays conditions, insurance provides the opportunity for market system of economic management to work in any state. To provide economic security of the person it is needed to create a mechanism of protection against internal and external threats in modern Russia. That’s why the role of citizens insurance policy is increasing as the most effective risk management institute and achieving safety of health and private property of citizens. The goal of this research is to study Russian citizens’ attitudes towards insurance policy and investment using the conception of personal economic security. The preparatory study stage was focused on theoretical understanding of economic security problems taking insurance field as an example. Empirical research consisted of four stages. There were 1793 people taking part in this research. Results of this study can be proposed in the program of improving the functioning of the insurance market in the Russian Federation in The framework of the strategy of development of the insurance market - 2020. The obtained results can be used in Politics and Economics in the development of a set of measures related to lawmaking, control of financial institutions, promotion of financial literacy of the population, preparation of courses for universities and trainings for participants of the insurance market. The typologies of policyholders which were given can be the basis to create insurance programs for the citizens.

Ensuring fire safety is an important condition for the successful operation of industrial enterprises. It is necessary to detect the threat of fire before ignition. An indicator of danger is the appearance of gas, which occurs as a result of unauthorized heating of equipment. Gas sensors make it possible to detect the appearance of gases characteristic of the decomposition of materials at the stage of smouldering and pyrolysis, which cause a change in the composition of the atmosphere. This paper presents a mathematical method for the rational placement of gas analyzers for premises of potentially hazardous industries. It is the rational placement of gas sensors, which ensures safety, taking into account economic feasibility that determines the effectiveness of their use. For the first time, the analysis of gas accumulation during the movement of the flow from the source to the ceil-ing, then propagation to the location of the sensors, is used for the first time to select the placement of gas sensors. Depending on the permissible values of the gas volume, the placement and number of gas sensors are selected. The calculation of the conditions for the rational placement of gas sen-sors for the most common indicators, such as carbon monoxide and hydrogen at different sizes and heights of rooms, is carried out. The method of calculating the location of gas analyzers makes it possible to diagnose and predict fire hazard at technological facilities on the basis of gas control, and compare the obtained values with the maximum permissible values. This method provides cal-culation of the coordinates of the gas source from the coordinates of the triggered sensors. Knowing the coordinates of all sensors, the coordinates of the sensors that gave the alarm, and the formula for determining the volume of the gas cloud under these sensors, it is possible to assess the localization of the source of dangerous gas in the protected room. This increases the efficiency of the fire safety system. The method makes it possible to control the layout of sensors depending on the volume of protected premises, types of production, the creation of new sensors, changes in the composition of hazardous gas in different technological conditions.

In recent decades the Mediterranean area observed an increase in large fires, despite the decrease in the number of fire ignitions, following a worldwide tendency. Climate change has been the main culprit for large burnt areas, and alterations of forest ecosystems, resulting in the increased recurrence of forest fires. In Portugal, the analogous trend resulted in the destruction of large rural, urban and industrial areas, where after the 2017 months of June and October catastrophic events, the government implemented the 2019 specific policies for preventing fire outbreaks and defending the forest against fires. This compulsory policy demanded that landowners and local governments alike needed to contact specific authorities requesting authorization for their intentions to clean properties in and around urban areas, roads, and forest limits. Despite policy and careful monitoring, ignitions still occur, and in many cases resulting from the implementation of such policies. The study analyses the before and after policy implementation, considering 6904 ignitions records from the period between 2014 and 2023 from the central area of Portugal, covering the transition area between the agricultural fields of the Tagus valley and the Monte-junto-Estrela Mountain range, the district of Santarém. The authorization to use fire in clearance practices is granted according to a set of weather conditions, temperature, wind intensity, and relative humidity, when analyzing fire ignitions with the average daily wind intensity at the site of the occurrence, we observed that more than half of wildfires occur on days with winds between 10 and 20 Km/h, whereas intensities greater than 30 Km/h only 1% of the total occurrences, and of these 22% occurred due to the use of fire in the burning of agricultural leftovers and cut and piled bushes. The circulation of the thermal depression in the Iberian Peninsula gives rise to increasing intensity throughout the day, reaching a maximum in the late afternoon, this factor combined with the misjudgment of safe conditions leads us to suggest stricter intervals and the need for awareness of daily variation in conditions.