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Changing our unsustainable linear water management pattern is necessary to face growing global water challenges. This article proposes an integrated framework to analyse and understand the role of different contextual conditions in the possible transition towards water circularity. Our framework combines a systematic multi-level perspective to explore the water system and the institutional work theory for technology legitimation. The framework consists of the following stages: (1) describing and understanding the water context, (2) assessment of the selected technologies’ circularity level, (3) assessment of the alternative circular technologies’ legitimacy, and (4) identification of the legitimation actions to support the upscale of alternative circular technologies. The practical applicability of the integrated assessment framework and its four assessment stages was demonstrated in the exploration of circular water technologies for the horticulture sector in Westland, the Netherlands. The results revealed the conditions that hinder or enable the legitimation of the circular water technologies, such as political environmentalism, trust in water governing authorities, and technical, financial, and knowledge capabilities.
Surrogate-based optimization, nature-inspired metaheuristics, and hybrid combinations have become state of the art in algorithm design for solving real-world optimization problems. Still, it is difficult for practitioners to get an overview that explains their advantages in comparison to a large number of available methods in the scope of optimization. Available taxonomies lack the embedding of current approaches in the larger context of this broad field. This article presents a taxonomy of the field, which explores and matches algorithm strategies by extracting similarities and differences in their search strategies. A particular focus lies on algorithms using surrogates, nature-inspired designs, and those created by automatic algorithm generation. The extracted features of algorithms, their main concepts, and search operators, allow us to create a set of classification indicators to distinguish between a small number of classes. The features allow a deeper understanding of components of the search strategies and further indicate the close connections between the different algorithm designs. We present intuitive analogies to explain the basic principles of the search algorithms, particularly useful for novices in this research field. Furthermore, this taxonomy allows recommendations for the applicability of the corresponding algorithms.
Reducing the carbon emissions from hotels on non-interconnected islands (NII) is essential in the context of a low carbon future for the Mediterranean region. Maritime tourism is the major source of income for Greece and many other countries in the region, as well as hot-temperate and tropical regions worldwide. Like many NIIs, Rhodes attracts a high influx of tourists every summer, doubling the island’s energy demand and, given the high proportion of fossil fuels in the Rhodian energy supply, increasing carbon emissions. Using the theoretical framework ‘FINE’, this paper presents the optimisation of a medium-sized hotel’s energy system with the aim of reducing both cost and carbon emissions. By introducing a Photovoltaic (PV) net metering system, it was found that the carbon emissions associated with an NII hotel’s energy system could be reduced by 31% at an optimised cost. It is suggested that large-scale deployment of PV or alternative renewable energy sources (RES) in NII hotels could significantly reduce carbon emissions associated with the accommodation sector in Greece and help mitigate climate change.
3d printing is capable of providing dose individualization for pediatric medicines and translating the precision medicine approach into practical application. In pediatrics, dose individualization and preparation of small dosage forms is a requirement for successful therapy, which is frequently not possible due to the lack of suitable dosage forms. For precision medicine, individual characteristics of patients are considered for the selection of the best possible API in the most suitable dose with the most effective release profile to improve therapeutic outcome. 3d printing is inherently suitable for manufacturing of individualized medicines with varying dosages, sizes, release profiles and drug combinations in small batch sizes, which cannot be manufactured with traditional technologies. However, understanding of critical quality attributes and process parameters still needs to be significantly improved for this new technology. To ensure health and safety of patients, cleaning and process validation needs to be established. Additionally, adequate analytical methods for the in-process control of intermediates, regarding their printability as well as control of the final 3d printed tablets considering any risk of this new technology will be required. The PolyPrint consortium is actively working on developing novel polymers for fused deposition modeling (FDM) 3d printing, filament formulation and manufacturing development as well as optimization of the printing process, and the design of a GMP-capable FDM 3d printer. In this manuscript, the consortium shares its views on quality aspects and measures for 3d printing from drug-loaded filaments, including formulation development, the printing process, and the printed dosage forms. Additionally, engineering approaches for quality assurance during the printing process and for the final dosage form will be presented together with considerations for a GMP-capable printer design.
This is the fifth time that TH Köln has conducted this study to examine the local XR industry´on behalf of Mediencluster NRW GmbH, a subsidiary of Film- und Medienstiftung NRW. Aside from the two surveys on the North Rhine-Westphalian sector, there have now been three studies on the nationwide XR (extended or cross reality) sector in Germany. By this we mean all companies that create products and services in the field of virtual, mixed or augmented reality (but not firms that employ XR as users).
Decisions on irrigation water management are usually made at different levels, including farms, water user associations (WUAs), and regional water planning agencies. The latter generally have good access to information and decision tools regarding water resources management. However, these remain out of reach to the final water users, namely the farmers. The study, conducted in the irrigated district of Cherfech, north Tunisia, had the main objective of investigating farmer’s perceptions of, and acceptance for, the use of an irrigation advisory service (IAS) to be implemented by their WUA. The suggested IAS provides the following information: (1) reference evapotranspiration (ETo) and rainfall; (2) crop water requirement (CWR) of the most cultivated crops; (3) irrigation water requirement (IWR) of the farmer’s crop; and (4) crop monitoring and real-time estimation of IWR of crops settled, using soil moisture sensors. Such services and information would be available at the WUA level and provided in a timely manner to farmers for more effective decision making at the plot level. Prior to the acceptance study, we launched a technical study to determine the required tools and equipment required for the implementation of the IAS, followed by a farmer survey to assess their respective perceptions and acceptance towards this IAS. Results showed that only 54% of the farmers are satisfied by WUAs work, but that 77% of them accepted using the suggested IAS. Farmers are also willing to pay for most of the IAS packages suggested. The financial profitability of investing in the IAS at the WUA level shows the venture is financially viable, with a benefit cost ratio (BCR) of 1.018. The project will be even more profitable if we add the social benefits, which may result in water savings at the WUA level.
The importance of lithium as a raw material is steadily increasing, especially in the growing markets of grid energy and e-mobility. Today, brines are the most important lithium sources. The rising lithium demand raises concerns over the expandability and the environmental impact of common mining techniques, which are mainly based on the evaporation of brine solutions (Salars) in arid and semiarid areas. In this case, much of the water contained in the brine is lost. Purification processes lead to further water losses of the ecosystems. This calls for new and improved processes for lithium production; one of them is electrodialysis (ED). Electrodialysis offers great potential in accessing lithium from brines in a more environmentally friendly way; furthermore, for the recovery of lithium from spent lithium-ion batteries (LIB), electrodialysis may become a vital technology. The following study focused on investigating the effect of varying brine compositions, different ED operation modes, and limiting factors on the use of ED for concentrating lithium-containing brine solutions. Synthetic lithium salt solutions (LiCl, LiOH) were concentrated using conventional ED in batch-wise operation. While the diluate solution was exchanged once a defined minimum concentration was reached, the concentrate solution was concentrated to the respective maximum. The experiments were conducted using a lab-scale ED-plant (BED1-3 from PCCell GmbH, Germany). The ion-exchange membranes used were PCSK and PCSA. The treated solutions varied in concentration and composition. Parameters such as current density, current efficiency, and energy requirements were evaluated. ED proved highly effective in the concentration of lithium salt solutions. Lithium chloride solutions were concentrated up to approximately 18-fold of the initial concentration. Current efficiencies and current densities depended on voltage, concentration, and the composition of the brine. Overall, the current efficiencies reached maximum values of around 70%. Furthermore, the experiments revealed a water transport of about 0.05 to 0.075% per gram of LiCl transferred from the diluate solution to the concentrate solution.
Am Beispiel von Naturkatastrophen (NatKat) Rückversicherung lässt sich erkennen, dass wesentliche Elemente klassischer Rückversiche¬rungs-transaktionen darauf abzielen, Informationsprobleme zwischen Erst- und Rückversicherer zu reduzieren. Aktuell gibt es in der Rückversicherungs¬literatur keinerlei Hinweise auf ein Verständnis darüber, wie sich der klassische Transaktionsprozess auf Ergebnisse auswirkt, noch darauf wie sich Auktionen in ihrer Wirkung unterscheiden / wie sich diese auf Ergebnisse auswirken. Ein wichtiges Ziel ist somit die Grundlagenschaffung für die zukünftige Entwicklung einer Marktdesign Diskussion im Rückversicherungskontext.
Anhand bestehender Erkenntnisse in der Auktionstheorie ist nicht eindeutig, ob und in welchen Fällen Einheitspreise oder individuelle Preise zu besseren Ergebnissen für die Verkäufer (Versicherer) führen würden. Weiterhin ist nicht klar, ob öffentliche Auktionen oder verdeckte Auktionen bessere Ergebnisse liefern würden.
Ein Auktionsdesign, das der klassischen Brokerplatzierung nahekommt, ist die Ausubel Auktion (Ausubel, 2004). Dennoch lassen sich keine generellen Aussagen darüber treffen, ob die klassische Platzierung oder Auktionen bessere Allokations¬mechanismen darstellen (vgl. Bulow and Klemperer 1996).
Unter Berücksichtigung von klimatischen und sozioökonomischen Trends ist ein besseres Verständnis der beschriebenen Zusammenhänge für die Stärkung des Rückversicherungsmarktes zunehmend dringend.
Folgende Aspekte lassen sich im Rahmen dieser Forschung festhalten:
• Im ORSA Bericht 2022 dient eine Anlehnung an die Klimawandelszenarien des „Network for Greening the Financial System (NGFS)“ (ein Zusammenschluss der Aufsichtsbehörden und Zentralbanken) als erste Orientierung.
• In Anlehnung an das NGFS sind zwei langfristige (mind. 30 Jahre) Temperaturanstiegsszenarien (< 2°C und ≥ 2°C) zur weiteren Analyse auszuwählen.
• Hierfür bietet sich ein Szenario mit hohem Transitionsrisiko (z.B. „Delayed Transition“) und ein Szenario mit hohem physischen Risiko (z.B. „Current Policies“) an.
• Im ORSA 2022 dienen einfach gehaltene, quantitative Analysen als Basis, um daraus qualitative Aussagen abzuleiten, z.B.:
o Neubewertung per heute (Sensitivitätsanalyse)
o Stresstest mit instantanen Schocks („Zeitreise“)
o Projektion (statisch oder mit Managementregeln)
• Schließlich sind bei der Ableitung von Ergebnissen die Besonderheiten der verschiedenen Bereiche/Sparten zu berücksichtigen:
o die Kapitalanlagen könnten beispielsweise langfristig durch Transitionsrisiken geprägt sein (z.B. steigende Energiepreise)
o die Schaden/Unfallversicherung ist geprägt durch das reformierte Baurecht (klimabewusstes Bauen)
o die Personenversicherung ist geprägt durch lange Vertragslaufzeiten.
Das Thema Environmental Social Governance (ESG) gewinnt auch im Rückversicherungssektor aufgrund gestiegener aufsichtsrechtlicher Anforderungen an Relevanz. Dabei wurde in der Vergangenheit der Schwerpunkt auf Investments gelegt. Nun existieren immer mehr ESG-Kriterien, die das Underwriting betreffen. Welche Effekte dies auf die Branche hat, lässt sich heute noch nicht abschätzen. Klar ist, dass wir uns am Anfang einer langen Transformation befinden. ESG-Kriterien werden zukünftig vermutlich als ein weiterer Aspekt neben der versicherungstechnischen Risikobewertung berücksichtigt
Lihong Wang reported on the rapid expansion of Chinese Online Insurance. With the ongoing lifestyle and demographic changes, online insurance is becoming one of China's key distributional and operational business models. More than 140 Chinese insurance companies had launched an online business by 2021, with a total premium of 298 billion Yuan (US$45 billion) or 6% of the industry total. Over 7741 enterprises are registered and involved in online insurance. Despite ongoing pandemic issues and lockdowns, online insurance became the accelerators for premium growth in China, especially in the life and health insurance sectors. While the opportunities are enormous, online insurers are facing a number of challenges, such as tightening regulations, a shortage of competent advisors, rising fraud and global recessions. With over 900 million mobile users in China and a population that is ageing and witnessing a reduction in fertility, online insurance will keep growing.
Diskussionen über Gleichwertigkeitsbeschlüsse und bilateral ausgehandelte Abkommen wie z. B. das Covered Agreement zur Regelung des Betriebs von Rückversicherungsgeschäft zwischen der EU und den Vereinigten Staaten könnten für international tätige Versicherungsgruppen zukünftig der Vergangenheit angehören. Als Vereinigung von Versicherungsbehörden aus über 200 Ländern arbeitet die International Association of Insurance Supervisors (IAIS) seit 2013 an der Entwicklung eines risikobasierten, global anwendbaren Kapitalstandards (Insurance Capital Standard – ICS). Übergeordnetes Ziel ist die Schaffung eines übergreifenden Regulierungsrahmens für große international tätige Versicherungsgruppen mit Mindeststandards für die Bewertung von Risiken und daraus resultierenden Anforderungen an die Kapitalausstattung.
Es liegt in der Natur der Sache, dass bei der Entwicklung eines globalen Kapitalstandards die Interessen aus vielen verschiedenen Jurisdiktionen mit unterschiedlichen Systemen aufeinandertreffen (insbesondere trifft die verschiedenen Aufsichtsregime aus Europa und den Vereinigten Staaten aufeinander). Das IAIS hat sich zum Ziel gesetzt, die Interessengruppen zusammen zu bringen und ohne die lokalen Aufsichtsregime in den Jurisdiktionen auszuklammern, einen globalen Mindestkapitalstandard für international tätige Versicherungsgruppen zu entwickeln.
Der ICS wird im Rahmen der Konsolidierungsmethode berechnet und weist daher viele Ähnlichkeiten mit Solvency II auf. Der US Alternativansatz wird im Rahmen der Aggregationsmethode berechnet und soll ähnliche Ergebnisse zur Konsolidierungsmethode liefern.
Am Ende stellt sich für die europäischen (Rück-)Versicherungsunternehmen die Frage, ob man akzeptiert, dass US Ansatz äquivalent zum ICS ist, um das Ziel eines globalen Kapitalstandards als Level Playing Field zu etablieren.
Die Kriterien zur Nachhaltigkeit werden unter der Abkürzung ESG zusammengefasst und sind somit nicht nur auf den reinen Klimawandel begrenzt. Grundsätzlich versteht man unter sogenannten ESG-Kriterien per Definition einen Standard nachhaltiger Investments in den Bereichen Environment/ Umwelt, Social/ gesellschaftliches Engagement und Governance/ Unternehmensführung. (vgl. Haberstock et al., 2019)
Sowohl Erst- und Rückversicherungsunternehmen als auch Retrozessionspartner und Investoren beziehen bei ihrer Geschäftsentscheidung zunehmend Nachhaltigkeitsaspekte mit ein. Sie achten unter anderem auf die Nachhaltigkeit der Kapitalanlagen und die entsprechenden Entscheidungen im Underwriting oder bewerten das soziale Engagement eines Vertragspartners. Deshalb kann sich ein überzeugendes Nachhaltigkeitsprofil auch sukzessive zu einem Wettbewerbsvorteil entwickeln.
Das Kerngeschäft der Rückversicherungsbranche wird immer wieder von neuartigen Risiken und globalen Herausforderungen geprägt.
Eine ESG-konforme Geschäftsausrichtung und eine entsprechende Anpassung im Underwriting stellt den Rückversicherungs- und Retrozessionsmarkt vor neue Herausforderungen, da gewisse ESG-Kriterien eine Hürde für fortlaufende Geschäftstätigkeiten im Underwriting darstellen.
Die Umsetzung einer ESG-konformen Geschäftsausrichtung in der Retrozession geht einher mit der Rekalibrierung des Risikoappetits und mit der Aufnahme von einheitlichen zukünftigen ESG-Ratings, die sowohl zu Vorteilen als auch Nachteilen in der Wettbewerbsfähigkeit führen können.
Vergleicht man die ESG-Faktoren zwischen Retrozedenten und Retrozessionären lässt sich feststellen, dass die ESG-Faktoren für Retrozedenten bei der Kapazitätssuche wichtig sind. Hingegen die Faktoren beim Kapazitätsangebot für Retrozessionäre weniger wichtig sind. Diese Erkenntnis wird dadurch begründet, dass sich Retrozedenten bereits im vorgelagerten Underwriting der eingehenden Risiken mit den ESG-Kriterien beschäftigen müssen und dadurch bereits einen besseren Überblick über diese Faktoren haben. Zudem müssen sich die Retrozedenten im Detail mit den möglichen Retrozessionären und deren ESG-Strategie beschäftigen, damit die ESG-konforme Geschäftsausrichtung gewahrt wird.
Eine ESG-konforme Geschäftsausrichtung und die Berücksichtigung der ESG-Risiken führt zwangsläufig zu einer Anpassung der Geschäftsstrategie, der internen Aufsichtsstrukturen, des Risikomanagements und zu einer Änderung des Pricings von Retrozessionsrisiken.
Die Bedeutung von Cyber-Versicherungen als Instrument zur finanziellen Absicherung, um die zunehmenden Unternehmensverluste durch Cyber-Risiken abzumildern, nimmt zu. Es mangelt jedoch an standardisierten Wordings und gegenseitigem Verständnis bei Cyberversicherungs-Policen. Mit weniger als einem Drittel der 2017 in den USA ausgezahlten Cyberversicherungsansprüche besteht eine erhebliche Lücke zwischen den Cyber-Risiken, die Unternehmen abdecken müssen, und denen, die tatsächlich durch ihre Cyberversicherungspolicen abgedeckt sind. Im Jahre 2018 wurde von Lloyds of London eine Schätzung mithilfe von Szenario-basierten Modellen durchgeführt, um zu ermitteln, wie groß die Versicherungsschutzlücke im Hinblick auf Cyber-Risiken ist. Man ist dabei zu dem Ergebnis gekommen, dass die Versicherungsschutzlücke ungefähr 90 % beträgt. Der Begriff bezeichnet die Differenz zwischen dem Versicherungsschutz, welcher ökonomisch benötigt wird und dem tatsächlich gekauften.
Diese Forschung befasste sich mit den deutschen Cyber-Versicherern, welche Cyber-Schutz für kleine und mittelständische Unternehmen (KMU) anbieten. Im Rahmen dieser Forschung wurden nur die Ausschlüsse von Cyber-Versicherungen betrachtet. Zusätzliche erweiterbare oder kostenpflichtige Einschlüsse wurden nicht berücksichtigt. Als Grundlage für die Forschung wurde ein Datensatz erstellt, welcher auf Informationen der BaFin basiert. Durch mehrere Segmentierungsstufen wurden 50 Cyber-Versicherer ermittelt, welche Cyber-Schutz für KMUs angeboten haben. Von diesen 50 Cyber-Versicherern konnten 41 Cyber-Bedingungswerke für das Forschungsprojekt herangezogen werden. Im Rahmen der Forschung wurden nun die Bedingungswerke mittels einer induktiven qualitativen Inhaltsanalyse auf die bestehenden Ausschlüsse analysiert. Die Ergebnisse wurden kategorisiert und beschrieben. Innerhalb der Analyse konnten 15 Ausschlusskategorien sowie deren Häufigkeiten in den Cyber-Bedingungen ermittelt werden. Diese Ergebnisse können dazu beitragen, dass Unternehmen eine Vorstellung davon erhalten, was nicht in den Cyber-Versicherungen enthalten sein könnte. Zudem liefern die Beschreibungen eine Informationsgrundlage und tragen so dazu bei, dass der Versicherungsschutz bzw. die Ausschlüsse besser verstanden werden.
Despite intensive research over the last three decades, it has not yet been possible to bring an effective vaccine against human immunodeficiency virus (HIV) and the resulting acquired immunodeficiency syndrome (AIDS) to market. Virus-like particles (VLP) are a promising approach for efficient and effective vaccination and could play an important role in the fight against HIV. For example, HEK293 (human embryo kidney) cells can be used to produce virus-like particles. In this context, given the quality-by-design (QbD) concept for manufacturing, a digital twin is of great importance for the production of HIV-Gag-formed VLPs. In this work, a dynamic metabolic model for the production of HIV-Gag VLPs was developed and validated. The model can represent the VLP production as well as the consumption or formation of all important substrates and metabolites. Thus, in combination with already described process analytical technology (PAT) methods, the final step towards the implementation of a digital twin for process development and design, as well as process automation, was completed.
Concept for Combining LCA and Hazardous Building Material Assessment for Decision Support Using BIM
(2022)
AbstractThe construction and building sector is responsible for a large part of the world’s resource and energy consumption and is considered the largest global emitter of greenhouse gas (GHG) emissions. Hazardous and toxic substances in building materials affect indoor air quality as well as the environment and thus have a high impact on human health, as we spend around 90 percent of our lives in buildings. Life cycle assessment (LCA) and hazardous building material requirements of green building certification systems allow to reduce the environmental and health impacts of building products and materials. However, they are usually very complex and time-consuming to perform and require expert knowledge to use the results for decision support. Digital approaches to support the simplified application of these methods and intuitive visualization of results are becoming increasingly important. Especially Building Information Modeling (BIM) offers a high potential for this purpose, as the integration and linking of geometric and semantic information in 3D-models for LCA and hazardous building material assessment can be done much more efficiently and intuitively. Within the scope of this work, the following three objectives were pursued (1) development of a method for combining LCA and hazardous building material assessment, (2) simplification of the results by converting them into comprehensible indicators for decision support, and (3) implementation of the method in a BIM-based digital assistant for intuitive visualization and communication. The preliminary results show a concept for combined use of LCA and hazardous building material assessment in Germany with differentiation in six use cases. A prototypical implementation as BIM-integrated digital assistant was developed for one of these use cases. For the first time, this prototype provides understandable feedback in real time of LCA and hazardous building material requirements. This research project contributes to the awareness in the context of embodied impacts and low emitting materials in buildings and advances the current digitalization potentials.
This study aimed to simulate the sector-coupled energy system of Germany in 2030 with the restriction on CO2 emission levels and to observe how the system evolves with decreasing emissions. Moreover, the study presented an analysis of the interconnection between electricity, heat and hydrogen and how technologies providing flexibility will react when restricting CO2 emissions levels. This investigation has not yet been carried out with the technologies under consideration in this study. It shows how the energy system behaves under different set boundaries of CO2 emissions and how the costs and technologies change with different emission levels. The study results show that the installed capacities of renewable technologies constantly increase with higher limitations on emissions. However, their usage rates decreases with low CO2 emission levels in response to higher curtailed energy. The sector-coupled technologies behave differently in this regard. Heat pumps show similar behaviour, while the electrolysers usage rate increases with more renewable energy penetration. The system flexibility is not primarily driven by the hydrogen sector, but in low CO2 emission level scenarios, the flexibility shifts towards the heating sector and electrical batteries.
Electroplating generates high volumes of rinse water that is contaminated with heavy metals. This study presents an approach for direct metal recovery and recycling from simulated rinse water, made up of an electroplating electrolyte used in industry, using reverse osmosis (RO). To simulate the real industrial application, the process was examined at various permeate fluxes, ranging from 3.75 to 30 L·m−2·h−1 and hydraulic pressures up to 80 bar. Although permeance decreased significantly with increasing water recovery, rejections of up to 93.8% for boric acid, >99.9% for chromium and 99.6% for sulfate were observed. The final RO retentate contained 8.40 g/L chromium and was directly used in Hull cell electroplating tests. It was possible to deposit cold-hued chromium layers under a wide range of relevant current densities, demonstrating the reusability of the concentrate of the rinsing water obtained by RO.
Potential analyses identify possible locations for renewable energy installations, such as wind turbines and photovoltaic arrays. The results of previous potential studies for Germany, however, are not consistent due to different assumptions, methods, and datasets being used. For example, different land-use datasets are applied in the literature to identify suitable areas for technologies requiring open land. For the first time, commonly used datasets are compared regarding the area and position of identified features to analyze their impact on potential analyses. It is shown that the use of Corine Land Cover is not recommended as it leads to potential area overestimation in a typical wind potential analyses by a factor of 4.7 and 5.2 in comparison to Basis-DLM and Open Street Map, respectively. Furthermore, we develop scenarios for onshore wind, offshore wind, and open-field photovoltaic potential estimations based on land-eligibility analyses using the land-use datasets that were proven to be best by our pre-analysis. Moreover, we calculate the rooftop photovoltaic potential using 3D building data nationwide for the first time. The potentials have a high sensitivity towards exclusion conditions, which are also currently discussed in public. For example, if restrictive exclusions are chosen for the onshore wind analysis the necessary potential for climate neutrality cannot be met. The potential capacities and possible locations are published for all administrative levels in Germany in the freely accessible database (Tool for Renewable Energy Potentials—Database), for example, to be incorporated into energy system models.