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El objetivo perseguido en la presente Tesis Doctoral es presentar propuestas de modelización para la siniestralidad del sector de Mutualidades de Previsión Social de Cataluña (segmento no vida) desde una doble vertiente, probabilística y econométrica. Con esta finalidad tres organismos públicos han facilitado la información necesaria para la elaboración de la parte empírica: la Generalitat de Catalunya (Departamento de Trabajo), el Gobierno Vasco (Departamento de Trabajo) y la Dirección General de Seguros (D.G.S.). Así su estructura está claramente diferenciada: fundamentos y herramientas metodológicas, para la primera de ellas, y para la segunda, el estudio empírico realizado sobre el sector asegurador y de previsión social Español, en especial, Cataluña.Respecto a la parte metodológica su estructura es la siguiente, el capítulo 1, presenta los diferentes mecanismos de análisis económico-financiero existentes mediante el uso de ratios, sus debilidades, los nuevos avances y la simulación estadística como una herramienta más de análisis. En el capítulo 2 se ha realizado un esfuerzo por sistematizar una de las herramientas de mayor desarrollo en el análisis de datos, los modelos neuronales, desde tres vertientes: desde la óptica de su potencial en términos de modelización; la descripción de los modelos disponibles y en último lugar, por sus aplicaciones. El capítulo 3 es el último de esta parte metodológica, y en él se ha realizado una aproximación de los modelos neuronales al campo estadístico y econométrico. La estructura de la parte empírica es la siguiente. El capítulo 4 contiene las características básicas del sector asegurador Español (1991-1997) y del subsector de previsión social, desglosado por Comunidades Autónomas que poseen competencias propias en materia de Previsión Social (País Vasco (1990-1998) y Cataluña (1991-1997)) y aquellas que dependen directamente de la Dirección General de Seguros (D.G.S.) (1992-1997)). El capítulo 5 contiene el análisis de la siniestralidad no vida del sector de las Mutualidades de Previsión Social de Cataluña, con los datos oficiales que facilitan las entidades a la Administración Pública. Y finalmente, el capítulo 6 contiene varias aplicaciones de la metodología neuronal descrita.Las principales aportaciones son las siguientes:1. Desde la vertiente metodológica del análisis financiero mediante ratios, presentamos una síntesis de los avances en el diseño del modelo de ratio financiero.2. Utilización de herramientas de Simulación Estadística como soporte a la probabilización de ratios económico-financieros.3. Desde la vertiente empírica, las aportaciones son: a) El estudio de un sector económico poco analizado como es el sector de Mutualidades de Previsión Social de Cataluña. b) El análisis de la siniestralidad no vida anual a partir de los componentes aleatorios que la constituyen, número de siniestros y cuantía de cada siniestro.c) Obtención de márgenes mínimos de solvencia (MMS) por dos vías, Método de Monte-Carlo y probabilización del ratio de siniestralidad no vida, permitiendo su comparación.d) Características econométricas de las diferentes especificaciones del modelo de ratio.e) Propuesta de contrastes de forma funcional del modelo de ratio, a partir de la forma Funcional Generalizada de Box-Cox (FFG).f) Diferentes aplicaciones de la metodología neuronal. En primer lugar, utilización de los modelos neuronales para la identificación de la forma funcional del modelo de ratio. En segundo lugar, y una vez detectada la posible naturaleza no lineal del modelo de ratio, proponemos una modelización alternativa, el modelo neuronal de regresión generalizada (GRNN). En tercer lugar, proponemos una definición flexible de sector o norma representado por un modelo Multilayer feed-forward MLP(4:3). En último lugar, mediante los residuos del modelo neuronal definido (MLP(p:q)), obtenemos información del posicionamiento relativo de las entidades respecto al sector o benchmark flexible que nos permite proponer unos valores de "referencia" máximos para la siniestralidad de cada prestación. / The knowledge of how the insurance market behaves is a topic of great importance, according it future viability. The total losses associated with the company portfolio have a random component that should be kept in mind in it analysis. The principal objective of this work is to model the total claims amount of the mutual insurance sector in Catalonia (non life) according a probabilistic and econometric point of view. The structure of the study is clearly divided into two different parts. In the first part we present several methodological tools that can be applied to the analysis that we are carrying out; in the second one we present some results related with the application of the previous theory to a real insurance Catalonian database. In the methodological part, we highlight the definition of some ratios to summarize different financial analysis mechanisms; the effort to systematize one of the most famous methods of data analysis: the neural model, including its approach to the statistical field and econometrics. Concerning the empirical part, we emphasize the following aspects: the analysis of the basic characteristics of the Spanish insurance market (1991-1997) and the characteristics of the insurance mutual societies (by Autonomous Communities); the analysis of the non life total claims amount of the insurance mutual societies in Catalonia, and finally, the presentation of several applications of the neuronal methodology. The main empirical contributions are about the study of an economic sector not sufficiently studied before: the analysis of the total compensation starting from its random components, the frequency and severity of the claims; the definition of the minimum margins of solvency by using two methods: Method of MonteCarlo and the distribution of the ratio of the total non life claims amount; the specification of several statistical functions for this ratio; the formulation of some hypothesis contrasts, starting from the Generalized Functional form of Box-Cox and different applications of the neuronal methodology. We highlight the use of the neural model for the identification of the functional form of the ratio and the application of the Multilayer feed-forward model.

The oèolitic limestone that makes up the bedrock of Miami-Dade and parts of Broward County, Florida, is a relatively well studied formation, with poorly studied fossil content. No published systematic record of Pleistocene fossils in the Miami Limestone is available. Besides the basic knowledge of taxonomy and biodiversity of the mollusks, comparison with extant assemblages can yield important information about the biodiversity changes in southern Florida during the past ~130,000 years. Preliminary surveys of several localities, both previously described and new, within the Dade County yielded a record of diverse mollusks from over 28 families, 34 genera and 40 species. The preliminary findings of molluscan fossils have led to a new, unstudied and unpublished fossil locality with the second discovery of a possible Strombus costatus in the Miami Limestone. Miami Limestone fossils are being compared to recent South Florida mollusks indicating patterns of local diversification and extinction related to the minor changes in sea level and disappearance of certain habitats such as the rocky shore substrates that Cittarium pica once thrived on. / by Heather M. D'Antonio. / Thesis (M.S.)--Florida Atlantic University, 2012. / Includes bibliography. / Electronic reproduction. Boca Raton, Fla., 2012. Mode of access: World Wide Web.

The purpose of this investigation was to examine the characteristics of the successful small black-owned enterprises in Dade County, Florida. A descriptive and correlational research approach was employed in this study, in which there were two phases: an initial questionnaire study of 353 small black-owned businesses, and an interview study of 20 randomly selected most successful and 20 least successful small black entrepreneurs. The main conclusions in the study are (1) the characteristics are not the same for all successful small black-owned firms, (2) success factors are not identical for all small black-owned firms, (3) the majority of small black-owned firms are deficient in critical successs factors, (4) the relationship between staff development, leadership styles, HRD skills and success is significant, (5) the majority of small black entrepreneurs are not extremely aware of the value of staff development to the success of their firms. The recommendations for further research are (1) experimental studies need to be carried out to analyse further the relationship between HRD skills and success in black-owned firms as the findings of this study should be treated as exploratory, (2) to confirm or disconfirm the findings as, unlike this study, other studies have reported a significant relationship between certain selected critical factors and success in small firms, (3) to test the relationship between the awareness of staff development (as a success factor) and success in small black-owned firms, and (4) to examine further the relationship between leadership styles and success in small black-owned firms.

The general purpose of this paper is to provide resource materials in tumbling activities for use with grades one through six of the elementary schools of Dade County, Florida. Sub-problem one--To determine the activities to be included in a tumbling program for the elementary school of Dade County. Sub-problem two--To present these tumbling activities in the form of a 16 MM sound motion picture and a detailed teaching manual. / Typescript. / "August, 1953." / "Submitted to the Graduate Council of Florida State University in partial fulfillment of the requirements for the degree of Master of Science." / Advisor: Kenneth D. Miller, Professor Directing Paper. / Includes bibliographical references (leaves 23-24).

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Telecenters are alternate work locations and are used as a means to reduce the commute discomfort to employees. Telecenters provide advantages to both the employees and the employers and are a good Travel Demand Management measure. The history of telecenters is relatively new. Many telecenters were established in the early 1990's with the support of the Federal and State Governments. While initial signs were encouraging, the inability of these telecenters to carry on running in the absence of continued funding made them cost intensive unsuccessful experiments. There have been fewer attempts by private individuals/ Governments to work with the concept of telecenters, since these failures; with home-based telecommuting being a more viable alternative to working from the office. There has been a recent revival of interest in telecenters owing to their ability to provide employees with more choice with their work place location. Also,extremely high congestion and long commute trips in many major cities are forcing authorities to look at alternate means to reduce trip lengths (and durations).Authorities in Miami are looking at alternate means to reduce congestion in the city and the possibility of establishing a telecenter is one such idea. This study evaluates the feasibility of establishing a telecenter in Miami. The site chosen is a stretch along SR 836 (Dolphin Expressway). Various conditions that must be met before the telecenter can be established are discussed, and the site is assessed on its ability to attract employees to the center.

This study sought to determine whether there is a significant difference in the level of burn-out between general elementary music educators employed by Miami-Dade County Public Schools and general elementary music educators from the rest of Florida. Burn-out can be defined as a state where a professional feels completely fatigued, dehumanized, reduced in regard to achievement, chronic despair, and withdrawn (Dworkin, 1987). Previous studies of this syndrome have used a Maslach Burn-out Inventory (M.B.I) to assess burn-out indicators. This study examined morale in the current educational atmosphere, using a modified M.B.I. to identify differences between two sample sets: one from Miami-Dade County Public Schools and another from other Florida counties. Applying the Mann-Whitney U test to the results revealed significant differences between the two populations on four items. In conclusion, areas of high stress for teachers were related to the FCAT, administrative support, and job security.

This study assessed the civic knowledge, skills, and attitudes of Hispanic eighth grade students in Miami-Dade County Public Schools (M-DCPS), Florida. Three hundred sixty one Hispanic students of Cuban (253), Colombian (57), and Nicaraguan (51) ancestry from 10 middle schools participated in the study. Two hundred twenty eight students were from low socio-economic status (SES) background, and 133 were of middle SES background. There were 136 boys and 225 girls. The International Association for the Evaluation of Educational Achievement Civic Education Student Questionnaire was used to collect data. The instrument assessed the students’ civic knowledge, skills, and attitudes. Multivariate analysis of variance was used to test for differences in the civic knowledge, skills, and attitudes of participants based on ancestry, SES, and gender. The findings indicated that there was no significant difference in the civic knowledge, skills, and attitudes of Hispanic eighth grade students that were of Cuban, Colombian, and Nicaraguan ancestry. There was no significant difference in the civic vi ii skills and in five of the civic attitude scales for students from low SES families compared to those from middle SES families. However, there was a significant difference in the civic knowledge and in the civic attitude concerning classroom discussions and participation based on SES. The civic knowledge of middle SES students was higher than that of low SES students. Furthermore, middle SES Hispanic students displayed a higher mean score for the civic attitude of classroom discussions and participation than low SES students. There was no significant difference in the civic knowledge and in five of the civic attitude scales between boys and girls. However, there was a significant difference in the civic skills and the civic attitude of support for women’s rights between boys and girls. Hispanic girls displayed a higher mean score in civic skills than Hispanic boys. Furthermore, the mean score of civic attitude of support for women’s rights for Hispanic girls was higher than that of Hispanic boys. It was concluded that Cuban, Colombian, or Nicaraguan participants did not demonstrate differences in civic attitudes and levels of civic knowledge and skills that eighth grade students possessed. In addition, when compared to boys, girls demonstrated a higher level of civic skills and a greater support for women’s rights and participation in politics and their roles in politics. Moreover, SES was demonstrated to be a key factor in the acquisition of civic knowledge, regardless of ancestry.