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In 2002, the New Brunswick government developed a cultural policy of unprecedented scale for the province. This policy aimed to respond to the challenges of community museums. Among the challenges identified were the need for professional development, financial stability and visibility in their communities. This article examines how this ambitious strategy for the cultural sector has encountered pathways dynamics and the effects of other public policies. Based on an analysis of the sector and its evolution following the implementation of the cultural policy, this article relates the unsuspected effects of the program Student Employment Experience Development (SEED), a program related to the politics of training and employment in the province.

AbstractTranslation, be it literary, scientific or technical, constitutes an essential activity for the development, diffusion and promotion of knowledge. In Spain, translation represents an important activity and accounts for about 25% of written works. However, the likelihood of a work published in Spanish being translated into other languages is of one in a hundred, as compared to odds of one in four for works in English or French to be translated into Spanish. The predominant languages, used in translation have long been English (50%), French (around 15-20%), German (roughly 10%), and Italian (about 8%). Others languages, such as Greek, Russian or Portuguese occupy a token position (no more than 1%). It is necessary to point out the contradiction that exists between the large amount of translation done in our country and the scant interest the work in Spanish seems to have for the rest of the world, given that Spanish is spoken by over 300 million people. Little effort has been made to promote Spanish outside Spain; and the full responsibility lies with political and cultural authorities. If this situation does not change, Spain will continue to be a country that imports cultural products from other languages, without being able to export enough of its own.

This article proposes to study the stability of homogeneous classes of risk of ensured inautomobile insurance using an indicator of the atypical policy-holder detection. We distinguishtwo types of atypical points (or serious accidents). The first one corresponds tothe extreme values of accident cost distribution in the whole portfolio (outliers), and thesecond one affects the stability of the premium in a class of risk and modify the classhierarchy built by the premium (inliers, local point of view). This stability is necessary toobtain a good adequacy between the accidents and the insurance pricing in the context ofa strongly competing market. In each homogeneous class, the risk is measured in term offrequency and average cost, then the premium corresponds to the esperance of the lossesis given like the product of these two indices. This indicator of premium, on the one hand,makes it possible to treat the classes on a hierarchical basis, and on the other hand, it isused as a base for the reference premium calculation. The final insurance pricing is necessarilydetermined by multiplying the amount of the actuarial premium by the reduction increasecoefficient (the bonus-malus in France), where past accidents are used to fix thepremium in the next period. The presence of serious accidents comes to disturb thishypothesis of collective risk differentiation from one class to another and the temporalstability of the premium indicator. These indicators are very sensitive to extreme values.The approach suggested for the inlier's detection, is based on the premium variance estimationto precise a fixed risk of error. A numerical application on real data of insuranceis presented to put this approach into practice.

Keywords: Assurance automobile, sinistres graves, classes de risque, prime pure, variance, Car insurance, outliers, inliers, risk management, variance

SummaryAfter the second world war, economic progress in Sâo Paulo favored not only a number of initiatives in art patronage, but the creation of a market for painting as well. Concentration of income and greater access to secondary and higher education for boys and girls from the bourgeoisie and the middle class brought changes to the, conditions for recruitment as well as to the career profiles of painters, art dealers and art critics. Using the concept of field as defined by Pierre Bourdieu, this paper examines the competitive material and symbolic interests and unveils the ambiguities present in the ideology of 'free art'.

The survey covers 891 respondents and shows that 73 % express a rather strongconcern relating to insurable risks. In terms of actual insurance coverage, our resultsshow that SMEs use a relatively high number of contracts among those that are widely available on the market. The results also show that the vast majority ofrespondents buy their insurance coveragc through a broker rather than with a directwriter. The two most common factors restraining the use of insurance by SMEs arethe high coverage costs relative to benefîts and the restrictions associated with thesevere exclusions imposed by insurers. Overall, our results give a rather positiveoutlook of the depth and breadth of the small business insurance market in Québec.

Keywords: Perception des risques, assurance, PME, Risk perception, insurance, SMEs

In the past decade, “walking simulator” has evolved from an insult to a critically and commercially successful genre of games. Through subversive mechanics and an emphasis on immersive, affective storytelling, these games are well-situated to explore LGBTQ+ narratives and queer forms of play (Ruberg, 2019). This paper unpacks the affective implications of games that urge the player to “snoop around” personal spaces, including Gone Home (Fullbright, 2013), What Remains of Edith Finch (Giant Sparrow, 2017), and A Normal Lost Phone (Accidental Queens, 2017). After a broad overview of the genre and relevant scholarship, the author examines the emotional impact of ludic “snooping”. Specifically, the author considers how games centring this mechanic simulate intimacy (while problematizing consent), engage agency through interaction and movement, and harness a disorienting atmosphere in their storytelling. Finally, the paper reflects on how character identification can be understood in the context of “games for change”, so-called empathy games, and the need to move towards a more thoughtful engagement with queer affect. This paper touches on each of these issues with a broad, interdisciplinary approach rooted in rhetoric, close reading, and queer theory.

Keywords: Queer, walking simulator, affect, agency, mechanics, immersion, character identification, empathy

Since the information revolution, managers and administrators have recognized the value of information technologies as powerful tools to distribute data in the organization. This is especially true in the insurance industry where data and information are important assets. Two other essential assets, knowledge and expertise, can also be distributed efficiently by integrating expert systems in the organization's toolbox of applications. But this integration is not as easy as one may think. In fact managers and administrators are often either too optimistic or too pessimistic regarding the integration of expert systems in their organizations. These unrealistic expectations contribute to the failure of this technology in the marketplace. The following paper is intended to provide the reader with a clear and concise understanding of expert systems and their applications in the financial and insurance industry. Its purpose is also to demystify the technology so that managers can objectively appreciate the real value of expert systems.

A trendy phenomenon in a world dominated by an economic pseudo-rationality or a new, accidental and destabilizing phenomenon whose consequences are beyond our control — such is the perception of the omnipresent introduction of new technologies into industrial economies at the end of this century. The accounting disciplines, the crossroads for information passing through and surrounding a company, cannot ignore the emergence of these challenges. In the following study, the authors first define the expression "new technologies" and then analyze the various sources and effects of accounting standardization to more clearly define the possible consequences of this new phenomenon for accounting and certification professionals.