La gestion et la dépollution de sites contaminés peuvent être complexe et demandent un investissement important pour localiser les sources de contaminations, zones émettant les flux de polluants les plus importants. Les travaux réalisés proposent une stratégie pour localiser les sources de pollution à partir de mesures in situ de flux massiques et de modélisation inverse. Ainsi, dans le cadre de l’étude, un outil innovant a d’abord été développé afin de mesurer la vitesse des eaux souterraines dans un puits. L’outil appelé DVT (Direct Velocity Tool) a permis de répondre aux contraintes imposées par les outils existants et de mesurer des vitesses d’écoulement très lentes. Des essais en laboratoire et des tests en site réels ont été réalisés et comparés à d’autres outils de mesure. Le DVT permet aussi indirectement de définir la portion de source conduisant au flux de polluant maximum, en le combinant avec une mesure locale de concentration. L’étude présente ensuite l’utilisation de la modélisation inverse pour localiser une source de contaminant et d’estimer les paramètres définissant les caractéristiques du domaine. Pour cela, l'étude s'est faite sur deux cas synthétiques. Pour adapter les méthodes à une véritable gestion de sites pollués, une stratégie itérative est développée en imposant un ajout limité de nouvelles observations à chaque phase de modélisation, basée sur l’approche de type Data Worth. Les résultats de la position de la source sur les deux cas synthétiques ont permis d’évaluer la méthode mise en place et de juger son applicabilité à une problématique réelle. Cette stratégie de localisation de source est par la suite testée sur un site réel à partir (i) de mesures in situ de flux massiques avec les vitesses au DVT et les concentrations et (ii) la modélisation. Les essais ont permis de cibler les forages à mettre en place sur site aidant à localiser la source. Néanmoins, en analysant plus précisément les résultats, le champ de conductivité hydraulique estimé par l'optimisation ne correspond pas à la réalité. De plus, les flux massiques de contaminants ainsi que le ratio des polluants du site, mettent en valeur deux panaches distincts. Une phase finale de modélisation a donc été lancée afin d'estimer (i) la présence potentielle de deux sources et (ii) la chimie de la zone étudiée. Les résultats de la stratégie sont comparés aux mesures geoprobe qui a pu confirmer la présence d’une des deux sources identifiées. / Contaminated sites management and remediation can be complex and require a significant investment to locate the contaminant source, which delivers the higher pollutant mass fluxes. The study proposes a strategy for contaminant source localisation using in situ measurement and inverse modelling. First, an innovative tool was developed to measure groundwater velocity in a well. The developed tool called DVT (Direct Velocity Tool) made it possible to measure a low Darcy flux. Laboratory and field tests were performed with the DVT and compared to other velocity measurement tools. By combining the DVT with a local concentration measurement, it is possible to calculate the mass fluxes passing through wells. Then the thesis present the inverse modeling used for source localisation and parameters estimation. The study was done on two synthetics cases using the non-linear optimisation method. To adapt the method to a real management of polluted sites, an iterative strategy is developed by imposing a limited addition of new observations to each modeling phase. This strategy is base on the Data Worth approach. Source localisation results on the two synthetic cases made it possible to judge the method applicability to a real site problem. The source localisation strategy is then applied to a real site with (i) mass flux measurement with velocities (DVT) and concentrations and (ii) inverse modeling. The modeling phases made it possible to locate the new wells and helped the source localisation. Nevertheless, by analysing the results more precisely, the hydraulic conductivity field estimated by the optimisation did not correspond to reality. In addition, contaminant mass fluxes highlightes two distinct zones of flux. By analysing the pollutant ratio of the site, it appears that two plumes are potentially present. Thus, another inverse modeling phase has been tested (i) to locate the two potential sources and (ii) to estimate the chemistry of the site. Results of the strategy were compared to the geoprobe campaign which confirmed the second source location.

Through ethnography influenced by public health and anthropological theory, I explored the cultural perceptions of autism among eight caregivers whose children received services from a local Dallas-Fort Worth autism treatment organization. Participant observations and semi-structured interviews with caregivers and program employees provided a rich and nuanced view into the state of care currently available in the DFW area while also highlighting areas for improvement. This research will be used to not only identify the barriers faced by North Texas Families while seeking out care,but also the strategies the organization uses when connecting with families from different backgrounds.

This research looks at the best practices applied by forensic investigators in conducting lifestyle audits on white collar crime suspects. The researcher explored, firstly, how a lifestyle audit relates to white collar crime investigations; secondly, the best practices in performing lifestyle audits on white collar crime suspects, and lastly, the various sources of information available to forensic investigators when conducting a lifestyle audit of a white collar crime suspect. As lifestyle audits will serve as an investigative tool in future forensic investigations into white collar crime, this study’s aim was to understand and create an awareness of the current best practices applied by forensic investigators within private sector forensic investigation practices while conducting lifestyle audits during white collar crime investigations. It also makes available research data regarding the concept of lifestyle audits in white collar crime investigations, the implementation of these audits, the benefits, and the best practices of these audits. The general purpose of this study was to provide practical recommendations on the best practices for lifestyle audits for forensic investigators within private sector. / Criminology / M. Tech. (Forensic Investigation)

為使台灣公部門能利用確定提撥的概念及妥善運用投資資源，以期在減少政府負擔的情況下獲得足夠的退休所得，故本研究以所得替代率、金錢價值比及平均數-變異數比等指標來針對公務人員退撫基金附加節約儲蓄制度採行之可能與投資策略彼此運用之模擬結果加以分析，結果如下： 1. 各情境下以BH策略所得出之期末個人帳戶平均累積值表現最佳，然其具相當大的波動變異程度，投資人需承受相當大的風險。而TIPP策略之表現則與前述完全相反。 2. 若投資者採用BH策略或是採用CPPI與TIPP策略(CM策略)且欲追求較高的所得替代率，則建議採用Lifecycle(平衡型)的投資比例配置方式，加計DB制下之給付則平均可提供男(女)性約70.204%-75.204% (65.49%-70.49%)的所得替代率，而金錢價值比則為2.399(2.95)。 3. 無論投資者採用何種策略進行投資，若欲追求最小的可能變異風險，則建議採取平衡型的投資比例配置方式，加計確定給付制下之給付則平均可提供男(女)性約67.924%-72.924%(65.318%-70.318%)的所得替代率，金錢價值比則為2.6835。 本文模擬結果所得出之所得替代率平均維持於70%上下，代表若政府將可藉此制度減輕政府負擔外亦可使員工擁有一定水平的退休生活，故可採用。至於投資策略與配置方式如何取捨須依不同的投資者而定。 　 關鍵詞：公務人員退撫基金、確定提撥制、所得替代率、金錢價值比、Lifecycle / Abstract Because the improvement of medical technology and the structure of population is aging. It makes human worry about the living in the future. In order to enable the public servants of Taiwan to utilize the system of the Defined Contribution and to relief the pressure of fiscal, so we simulate in this article and analysis the results of simulation by using replacement rate, money’s worth ratio, and mean-variance ratio. The result is as follows: 1.When investor adopt the BH strategy in the process of investment, it will create the best replacement rate and money’s worth ratio under every situation, but it can be anticipated more uncertainty. Investors need to think thrice before they act. The TIPP strategy is opposite. 2.If investors adopt BH strategy or CPPI and TIPP strategy (CM strategy) and wanting to pursue the substituting rate of the higher income , the best selection is proposed adopting the Lifecycle (balanced) scenario, and it can offer replacement ratio about 70.204% - 75.204% (65.49% - 70.49% ) for the man (the woman ) under adding the DB system. Besides, the money’s worth rate is 2.399 (2.95). 3. If the investors want to pursue the least influence in the process of investment whatever investors adopt which strategies, the best scenario is the balanced type, and it can offer replacement ratio about 67.924%-72.924%(65.318%-70.318%) for the man (the woman) under adding the DB system. Besides, the money’s worth rate is 2.6835. The outcome of the simulation in this article is keep the replacement rate maintain about 70% equally, What is the best selection for investor that must be contingent upon different characteristics of investors. Keywords: public servants, Defined Contribution, Replacement rate, The money’s worth ratio, Lifecycle hypothesis.

財富管理源起於私人銀行，服務對象為高淨值資產之客層。金融監督管理委員會為促進國內金融環境發展健全，於2005年2月間頒布「銀行辦理財富管理業務應注意事項」、2005年7月間頒布「證券商辦理財富管理業務應注意事項」、2006年1月核准「人身保險業辦理財富管理業務」。規範人身保險業從事財富管理業務之範疇，歸納為人身保險業針對高淨值客戶，透過人身保險業務員，依據客戶需求，提供資產配置或財務規劃等服務，而高淨值客戶之條件，由人身保險業自行依據經營策略訂定。 隨著人口老化、財富愈趨集中、經濟環境之變遷，金融控股公司資源整合與金融監理相關法規逐漸完備等因素，人身保險產業由擅長提供人身保險商品，延伸至理財規劃及資產管理諮詢服務，也延伸經營管理相關問題，本研究就國內人身保險業經營財富管理業務，針對人壽保險公司實施財富管理業務提出建議： 1、加強財富管理業務之風險管理：應加強經營財富管理相關業務的經營風險辨識，進而提出有效的風險管理制度與政策。 2、強化內部稽核制度有效性：在兼顧經營效率下，建立有效稽核制度，使企業成為一個有機體。 3、確實瞭解客戶並落實客戶風險告知：一套瞭解、認識、接近客戶並取得客戶信任整合流程，是發展財富管理業務的關鍵。 4、提升業務人員教育訓練及專業培養：專業知識、教育訓練、管理規範及資訊系統輔助，使人員服務品質提升，更可以有效傳遞並確保客戶權益。 5、強化保險商品創新與財富管理市場定位：以人壽保險產業深入服務優勢，搭配商品服務及通路創新，以獨特性及附加價值，奠定財富管理定位。 同時亦探討現行保險監理機關監管財富管理必須重視的議題，如何明確定義人壽保險業者經營財務富管理業務檢查要點，修正財富管理業務需有獨立權責部門規定及開放投資型商品設計及管理費議題。本文同時評估現行人身保險業者經營財富管理業務之效益評估，並作為監理機關監管財富管理業務時參考。 / The “Wealth Management” service was created by private bank. It is designed to serve the customers with high net worth. In order to improve the financial environment to be well managed and to be wealthy developed, the Financial Supervisory Commission Committee announced the terms of “The Notice of Wealth Management Business for Banks” in February 2005, “The Notice of Wealth Management Business for Securities” in July 2005. The “The Rules for Life Insurance Companies Hosting Wealth Management Business” had been permitted to be announced in January 2006. It defined the business scope for life insurance companies to promote the wealth management business. The purpose of the wealthy management service sold by life insurance companies is targeted to serve the life insurance customers with high net worth. Through the life insurance sales, the life insurance companies can offer the capital allocation, financial planning based on customers’ request. For the criteria of “High Net worth” customers, it can be defined by each life insurance company. Due to the average age of population is becoming higher, wealth is becoming to be concentrated, economic environment situation is changing intensively, the financial holding companies integrated the resources, the rules of financial supervision is becoming completed, such kinds of change offer the opportunity for life insurance companies to extend their business scope to the territory of the consultant service for financial planning and wealth management. Such kind of change creates some administration and management issues. So the purpose of this study is to survey the current situations of wealth management business of life insurance to try to find the suggestions for the below topics. 1.Empower the risk management for wealth management business: How to empower the risk identification capability to propose the effective rules and policies for risk management. 2.Improve the internal audit mechanism to be more effective: How to establish or improve the internal audit mechanism without affect the business and company operation. 3.Learn more about the customers and solid executing the risk notification to customers: How to establish an effective SOP for realizing the customers’ exact requirement, approaching the customers and getting the customers’ trust. 4.Enhance the sales education training to enhance the service quality and empower the business competition ability: By integrating the IT resources and business management to establish an organized/effective sales education training package for improving the sales knowledge and business domain know how. 5.The enhancement for life insurance product creativity and clear marketing positioning ability/core competence for wealth management business: Taking the advantage of the existing sales network, combining the creative product, service and channel profile to establish the specialty and core competence. Meanwhile, this study tries to highlight some key issues like “the important topics shall be focused by the insurance supervision institute”, “the definition of the check points for the wealth management business of life insurance companies”, “how to revised the relative rules to request the wealth management business must be performed by the independent department”, “release the permission for the designation of Investment-oriented merchandise and management fee”. This study also makes the performance evaluation for the wealth management business of life insurance companies. It would be the valuable reference data for the relative supervision institute of government.

Background: Psychological perfectionism, from a clinical perspective, started to be a topic of interest for cognitive behavioural clinicians at the beginning of the 1950s. Whilst many studies have identified perfectionism as a pivotal motivator in different conditions of neurosis, the exact nature of its interactions remains unclear. In the research community there is still a debate as to whether there is such a thing as good perfectionism, and there remains no consensual theory of psychopathological perfectionism. Aims: The aim of the study was to investigate why the nature of the phenomena remains a contentious issue, and to develop a robust theory of psychopathological perfectionism, within a cognitive behavioural framework, which will find general acceptance. From the literature review this appears to be the first qualitative study to develop such a theory. Method: Substantive grounded theory was developed within a framework of methodical hermeneutics which, it is argued, is capable of generating formative theory. 20 volunteers who came forward in response to advertisements became participants in semi-structured interviews using a post classic qualitative methodology, from which emerging data became the basis of categories leading to the development of the theory, and functions of the phenomena. Results and Conclusions: The study sets out reasons why there remains an impasse amongst researchers and clinicians about the condition of psychopathological perfectionism. A parsimonious theory of pathological perfectionism has been developed, the constructs of which are just necessary and sufficient to describe the condition. The developed theory makes a contribution to theories proposed prior to 1990 and to contemporary research. However as with all theories it is necessarily provisional, so that its usefulness is in need of further research and development. Psychopathological perfectionism has only two constructs, namely a demand to achieve perfectionism in at least one idiosyncratic sphere, which is in response to a core schema of conditional worth. A number of symptoms or functions of psychopathological perfectionism have also been identified, and there are suggestions as to how the condition develops and is maintained to the detriment of the sufferer. The study synthesizes over fifty years of theory and research into the phenomena. The developed theory and its symptoms or functions have important implications for clinical interventions, training, and for further psychological and psychosocial research. These implications are discussed.

Admissions processes for health professions programs result in students entering these programs academically homogeneous. Yet some students have great difficulty with the programs. Research has shown a limited ability of traditional academic indicators to predict successful outcomes for health professions education. The purpose of this study was to examine the relationship between learning motivation and academic outcomes for students in health professions programs. The Modified Archer Health Professions Motivation Scale (MAHPMS) and a demographic survey were administered at orientation to 131 medical and 29 physician assistant students at the University of North Texas Health Science Center in the fall of 2005. At the end of the semester, the same version of the MAHPMS was administered, and final course grades and semester averages were collected. Descriptive statistics were analyzed for all the study variables. Analysis of variance was utilized to examine within subjects and between subjects differences for the learning motivation scores among programs and demographic categories. Linear regression analyses were used to determine the relationship between learning motivation scores and end-of-semester grades. And finally, logistic regression was performed to explore the ability of the motivation scores to predict academically high-risk students. Approximately three-fourths of the students indicated a preference for mastery learning and an internal locus of control. For the PA students, alienation to learning and performance goal scores statistically related to semester grades, and alienation to learning scores predicted high-risk academic performance almost 90% of the time. For the medical students, mastery goal scores statistically related to semester grades, but no motivation score predicted high-risk performance. External locus of control scores predicted high-risk performance 81% of the time for the total group of students at the end of the semester. Students in this study exhibited learning motivation preferences similar to those of other health professions students reported in the literature. The findings of this study agreed with the literature on achievement motivation theory and raised questions regarding the effect of health professions curricula on student learning goals. Similar studies, measuring larger samples longitudinally need to be conducted in order to further validate or elucidate the results of this study.

This study addresses the problem of reading among older adults and the relation of such reading to their sense of life satisfaction. The study also considers the relation between reading interests and activity of older adults and the availability to them of library materials and services.

L’objet de cette thèse est d’analyser l’influence du développement durable sur la gestion des risques dans l’entreprise dans la perspective de la responsabilité sociale de celle-ci. Dans l’abondante littérature sur ce thème, une distinction est faite entre la conception utilitariste et la conception déontologique qui peuvent se compléter pour éclairer la gestion des risques en lien avec la RSE. L’analyse de la littérature a porté ensuite sur les déterminants de la gestion des risques modernes, avec l’importance de la coordination dans la fiabilité des organisations. Dans cette perspective, une attention particulière a été accordée aux travaux de Weick mettant en évidence la notion de culture et les interrelations entre les acteurs comme déterminantes pour la fiabilité. L’éclairage de l’économie des conventions permet de concevoir l’intégration du développement durable comme une transformation des conventions constitutives de l’entreprise, des représentations de ses acteurs, et non pas seulement des règles de l’entreprise, opérant au niveau de la sphère des actions. Cela conduit à la mobilisation de la théorie des représentations sociales (Moscovici, Vergès, etc.) dans une perspective instrumentale conjointement aux économies de la grandeur de Boltanski et Thévenot afin de rendre intelligible les formes de dépassement des conflits d’intérêt qui définissent un bien commun et permettent d’établir des modalités de coordination stables.Nous avons choisi comme terrain une entreprise appartenant au secteur du BTP, filiale d’un groupe français, implantée sur les trois régions Aquitaine, Midi-Pyrénées et Languedoc-Roussillon et qui compte environ 3600 collaborateurs au moment de l’étude. Notre démarche de recherche empirique est basée sur une méthode combinant approche qualitative et approche quantitative dans une perspective de renforcement de la validité de la recherche. Une analyse des représentations sociales effectuée à partir d’une enquête par questionnaire, et d’entretiens en face à face avec certains membres du personnel, le travail permet de proposer une grille de lecture originale des apports d’une stratégie de développement durable à la maîtrise des risques, au-delà de la mise en place de systèmes de management classiques. Notre travail apporte une contribution à l’analyse des formes d’apaisement des conflits auxquelles peut contribuer le développement durable en matière de gestion des risques sociétaux. Nous mettons en évidence des éléments de compréhension de l’influence de l’intégration du développement durable sur la coordination des acteurs face aux risques. / The aim of this thesis is to analyse the influence of sustainable development on risk management within a company, regarding the social responsibility of the latter. The rich literature about this topic establishes a distinction between the utilitarian and the deontological conception that can complete each other to know better about the risk management linked to the CSR. The analysis in the literature has then focused on the determinants of the modern risk management and the importance of the coordination in the reliability of companies. In this perspective, a particular attention has been paid to Weick’s work, highlighting thus the notion of culture and the interrelations between people as determinatives of reliability. The thoughts on the economy of conventions enables to see sustainable development as a transformation of the constituent conventions of the company, the representations of its employees, and not only the rules of the company, operating at the level of the sphere of actions.This leads to the consider the theory of the social representations (Moscovici, Vergès...) in an instrumental way, and to associate it the economies of worth of Boltanski and Thévenot, with the aim to make understandable the ways that enables to go beyond the conflicts of interests that define a common good and enable to establish stable modalities of coordination.We have chosen for the study a company of the CPW field. This is a subsidiary company of a French group, located in the three following regions: Aquitaine, Midi-Pyrénées and Languedoc-Roussillon. At the time of the study, around 3600 persons were working in it.Our empirical research approach is based on a method combining qualitative and quantitative approaches in order to strengthen the validity of the research. An analysis of the social representations has been led through a questionnaire and face to face interviews with members of the workforce. This work offers an original interpretative framework of the contribution of a sustainable development strategy to the control of risks, beyond the implementation of classical management systems.Our work contributes to the analysis of means that can ease conflicts and that can be brought by the sustainable development regarding the social risk management. We highlight understandable elements of the influence of the integration of sustainable development on the coordination of people facing risks.

Notre travail s’inscrivant dans le cadre de la psychologie de la santé s’intéresse aux effets de l’annonce d’un diagnostic de trouble démentiel sur la qualité de vie de la personne âgée, au sein d’un service de consultation mémoire à Bourg-en-Bresse (France). Nous posons le postulat que la manière d’annoncer un diagnostic pourrait conditionner le vécu de la maladie. Notre étude traite des réactions des patients à la suite de cette annonce.Nous avons constitué plusieurs groupes de patients permettant d’étudier les effets de l’annonce selon différents critères : le niveau d’atteinte cognitive, le type d’attachement, le type d’annonce faite par le médecin, le temps de l’annonce. Ainsi, un groupe a été constitué de personnes âgées dites transversales (c’est-à-dire rencontré une fois au début, lors de leur annonce ou au cours de leur suivi médical), puis un autre groupe dit longitudinal (rencontré depuis leur annonce puis tous les 3 mois pendant presque 2 ans pour les suivis les plus longs) , et enfin un groupe contrôle , nous permettant de servir de référence afin de comprendre les réactions des patients. Afin de compléter nos données issues des précédents groupes, nous avons également rencontré les aidants de certaines personnes âgées impliquées dans le processus diagnostic afin d’étudier leur réaction face à l’annonce et enfin, avons rencontré 3 groupes de personnes gravitant autour de l’annonce (médecins généralistes, gériatres et un groupe de famille) afin d’étudier leur discours et représentations de l’annonce diagnostic.Les résultats nous montrent:- Au niveau statistique: seules les réactions des aidants sont significatives dans leur utilisation plus prononcée du coping actif : planification et dans l’utilisation de mécanisme défense mature.- D’un point de vue statistique descriptif et qualitatif, on observe que des indicateurs de processus résilients (estime de soi et qualité de vie) sont présents chez nos sujets ayant reçu un diagnostic de trouble démentiel lorsque leur déclin cognitif était mesuré au-dessus de 24/30 au MMS et que leur déclin cognitif n’est pas trop rapide. Nos sujets longitudinaux nous apprennent qu’il est important pour développer un processus résilient après une annonce diagnostique d’un trouble démentiel de pouvoir avoir :- La perception de se sentir utile pouvant être reliée en partie au regard que perçoit la personne de ‘l’autre sur son trouble démentiel.Le couple aidant patient nous apporte l’information qu’il est important d’accompagner les remaniements d’attachement qui peuvent s’effectuer à la suite de l’annonce et au cours de l’évolution de la maladie afin de sécuriser l’aidant, ce qui aidera à sécuriser le patientNotre étude conclut qu’un parcours résilient est possible malgré le trouble démentiel et peut être entravé ou favorisé par le parcours diagnostic. L’éducation thérapeutique ( ETP) qui se développe depuis quelques années dans le cadre des maladies chroniques comme le diabète et de manière plus timide et peu structurée, dans le domaine des troubles démentiels ; pourrait au regard des indicateurs de résilience identifiés dans notre étude , servir de tuteur de résilience au couple patient-aidant. L’ETP par un accompagnement multidisciplinaire, permettrait de développer une autonomie relative du patient face à sa maladie en le rendant plus acteur de son parcours et cela offrirait un cadre sécurisant pour les différents acteurs du processus diagnostic et pour l’aidant. / Our work in the field of health psychology focuses on the effects of the announcement of a diagnosis of dementia on the quality of life of the elderly in Bourg en Bresse ( France). We postulate that the manner in which announcement is made,could influence people’sexperience of the disease. Our study tries to examine the reactions of patients following this announcement.Several patient groups were developed for the study the effects of the announcement based on several criteria : cognitive impairment levels, attachment type, physician announcement style, timing of the announcement.Thus, a first group consisted of elderly people, referred to as the cross-sectional group ( that is to say, they were met once at the beginning at the time of their announcement or during their medical follow-up). A second group was the longitudinal group ( met at their announcement and then met every 3 months for almost 2 years for the longest follow-up) and the final control group, serving as a reference in order to understand the reactions of the patients.In order to complement the data from the previous groups, we also the caregivers of certain elderly people involved in the diagnostic process in order to study their reactions facing the announcement. Finally, we met with 3 groups of people also implicated in the announcement ( general practitioners, geriatricians and a family group) to study their language and impressions concerning the diagnostic announcement.The results show :- From a statistical point of vie, only the reactions of caregivers are significant in their more prevalent use of active coping : planning and in the use of mature defense mechanisms- Frome a statistical, descriptive and qualitative point of view, we observe that resilience indicators ( self-esteem and quality of life) are present in our subjects diagnosed with dementia when their cognitive decline is measured above 24/30 on the MMS and their cognitive decline is not too rapid.- Our longitudinal subjects show us that in order to be able to develop resilience after a diagnostic announcement of dementia, it is important to have :- A feeling of usefulness which can be linked, in part, to the way the person thinks other perceive his or her dementia disorder.