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This article analyzes different aspects of Alaclair Ensemble's poetics based on the polysemic notion of play(jeu), which does not exclude seriousness, but constantly finds itself in tension with it. The article deals successively with 1) the youthfulness and rejuvenation that Alaclair's work constantly evokes, 2) the transformative relationship it generates with the obsolete, the static, the old-fashioned, 3) two related features of the group's poetics, abundance and self-deprecation, and, finally, 4) the way this work considers subjectivity and collectivity, basing them on complexity and mixing.

Many authors have documented the increasing diversification and gentrification in central city neighbourhoods. In the last few decades Montreal’s, Hochelaga-Maisonneuve is among those with the highest rates of gentrification, creating new social dynamics and often generating socio-territorial conflicts. What is the significance of social changes for the population of Hochelaga-Maisonneuve? What role does recent immigration play in the mitigation or development of social conflict? In this paper we present the results of the analysis of 1,420 articles taken from the six principal daily newspapers published in Montreal. In our target neighbourhood, it would appear that a higher socio-economic status of newcomers is more disruptive than their ethno-cultural background because it is associated with a change in the way people live, shop and interact in public space. The data also reveal disruptive effects on the availability of affordable housing, a feature that means increasing displacement of lower income populations.

ABSTRACTDuring the past decade, banks began a re-engineering of their administrative processes, which are being redefined on the basis of customer relations. For employees, the re-engineering is producing a radical restructuring of the organization and is changing the very nature of work. In the case of the Caisses populaires Desjardins in Quebec, the organization of work is now characterized by increased autonomy, versatility and flexibility, and new skills. The quality of the services offered is greater, and consulting activities are increasing, but the objective of providing the most universal access possible to all sectors of the population now seems to be compromised.

In this article we examine the state of the financial profession in the top Canadianuniversities based on the scientific contribution of faculty members as measuredby the number of citations their publications receive. We concentrate our analysis on articles published since 2000 in refereed scientificand professional outlets. We find that Canadian universities can be classified inthree groups depending on their output. In the first group, by itself, we find theRotman School of the University of Toronto. McGill, HEC Montréal, UBC, Yorkand Alberta compose the second group. All other universities are found in thethird group since their research production in finance in significantly lower thanwhat we find in what I call the six original Canadian universities in finance.

One of the originalities of the French insurance market is the importance of bancassurance.In the 80s, French banks penetrated the insurance market. Their successcan be seen by their current market share of 50%. After investing inbancassurance, the economic agents started to develop in electronic commerce.The word e-bancassurance could be used to describe the sectorial convergencebetween banks and insurance companies through the electronic market. Beingonly at its beginning, it is already possible to assess the various constraints andopportunities of e-bancassurance.

Keywords: Bancassurance, assurance, commerce électronique, management desservices, Bancassurance, electronic commerce, e-commerce, insurance, servicemanagement

New Zealand and Quebec represent the two oldest pure no-fault plans, regardingautomobile accidents. The present text first compares the compensation offered bythe two schemes to the seriously injured victims. In this field, the advantages of theno-fault plans are obvious when compared to the traditional tort system. The secondpart is devoted to the sore point of both schemes : compensation for non pecuniarylosses. The Quebec plan is offering, on that particular aspect, higher indemnitiesthan New Zealand, which lead the author to wonder about the limits that should beapplied when a no-fault scheme is implemented.

Keywords: Assurance automobile, dommages corporels, droit comparé, Québec, Nouvelle-Zélande, Automobile insurance, no-fault, comparative law, Quebec, New Zealand

In the fall of 2002, discontent reigned supreme among the municipalities. In recentyears, the municipalities had been victims of sudden unpredictable increases in premiumsprompting them to take matters in hand and develop a long term plan formunicipal risk management. The municipal clientele, who felt trapped by the quasi-monopolyexisting in the property and casualty insurance field in Quebec, began tofavor the emergence of a new business model.With the sponsorship of the Fédération Québécoise des Municipalités, GroupeUltima inc., a substantial network of insurance brokers, undertook all the work necessaryto the creation and management of a mutual insurance company exclusive tomunicipalities. La Mutuelle des municipalities du Québec, which is being presentedto you in this article, was established in November 2003.Spanning a period of more than 18 months, this project involved many differentsteps, including the analysis of financial viability, drafting a detailed business planand financial projections for a 5 year period, presentation of the project to variousgroups including the ministère des Affaires municipales, du Sport et du Loisir,the Autorité des marchés financiers, as well as the municipalities, negotiation andestablishment of a financial structure in addition to the recruitment of member-municipalitiesdue to the voluntary nature of their enrollment.

Keywords: Municipalités, assurances municipales, mutuelle, Mutuelle des municipalitésdu Québec, Municipalities, municipal insurance, mutual, Mutuelle des municipalitésdu Québec