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This paper analyses the consumer credit market in Portugal for the period from 1998 to 2011. The econometric analysis considers several linear regression models that are used to identify and evaluate the impact of independent variables on consumer credit, based on the life-cycle theory of consumption, the economics of consumer credit, and the theory of household and personal finance. The findings indicate that quarterly variations of consumer credit are significantly influenced by the credit variation of the previous quarter, and, additionally just during the fourth quarter, also by the seasonal factor, for every year under analysis. Furthermore, imports also make a relevant contribution to the evolution of the consumer credit market., O artigo analisa o mercado de crédito ao consumo em Portugal no período 1998-2011. A análise econométrica considera diversos modelos de regressão linear para identificar e avaliar o impacto das variáveis que o determinam, assente na teoria do ciclo de vida do consumo, na economia do crédito ao consumo e na teoria das finanças pessoais. Os resultados da estimação dos modelos permitiram concluir que as variações trimestrais do crédito concedido num dado trimestre são fortemente influenciadas pela variação do trimestre imediatamente anterior, bem como pelo fator sazonal presente no quarto trimestre de cada ano do período em análise. Adicionalmente, as importações desempenham um papel determinante na evolução da concessão deste tipo de crédito.

Este artigo apresenta uma metodologia de estimação da carga tributária bruta brasileira (e de alguns de seus principais componentes) em níveis trimestrais, detalha os problemas práticos enfrentados na implementação dessa última (por volta de abril de 2008) e, por fim, apresenta as estimativas obtidas para o período que vai do primeiro trimestre de 1995 até o quarto trimestre de 2007.This article presents a methodology for estimating quarterly figures for the Brazilian aggregate gross tax burden (and for some of its main components), details the practical problems one has to tackle when trying to implement it (as of April, 2008) and, finally, presents the estimates one obtains for the period beginning in the first quarter of 1995 and finishing in the fourth quarter of 2007.

Tagging experiments have been used to study the migratory behaviour of the spiny lobster Panulirus argus (Latreille), off Ceará State, Brazil. An analysis based on vectorial theory has provided the calculation of the coefficient of directional dispersion ( V), the coefficient of randon disperson (a² ) and the centre of density, by quarters of the year. The lobsters were found to engage in breeding migration in the second quarter, when there is a low random dispersion and in feeding migration in the third and fourth quarters, when there is high randon dispersion. The spawning areas are located in offshore regions and the lobsters reach them by moving seawardly, from positions occupied nearer the cost, in the fourth quarter.