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The current financial crisis highlights real problems profoundly related to the level of financial knowledge. Some studies suggest that many individuals, including small business owners, do not have adequate financial skills to be able to handle their finances. The term "financial literacy" summarizes the set of knowledge, skills and attitudes necessary to enable recognition and understanding of the foundations of personal finance. Informed and literate individuals are able to make responsible decisions. Our paper presents the preliminary results obtained with the Portuguese StudentFinance2012 survey. A total of 612 university students from seven different institutions agreed to participate and complete the survey. The sample has an average age of 23.67 years and is gender balanced. Students were classified in three course areas such as engineering, business and management, or design and tourism. Most respondents frequent a degree course, being the university mostly a public institution. A majority of our students has solely funded by their parents or family. By analyzing the total amount of financial products, we obtained an average of 2.57 financial products by student. To analyze financial literacy, our study developed measures such students' financial involvement, financial knowledge and parents influence and explore it as a function to issues such as age, gender, course area, course type, type of university and parental funding. The results suggest that the financial involvement of students evolves over time (as age increases, the financial involvement also increases) and confirm significant dependence with demographic variables such as gender, age, or course, among others. For the financial knowledge the results are encouraging, with students to show interesting levels of knowledge. We also identified relations of dependence with age, gender and course, among many others. Parental influence was analyzed by the level of agreement with statements related to the perceptions of the influence and behavior of parents about money, budgeting, saving and paying bills. The main results indicate that parents are a positive influence and that studentsare experiencing a financial behaviour that integrates the family.

Abstract
This paper aims to point up the critical topics that need to be addressed towards a fully implementation of lean management as well as the adoption of learning mechanisms and information and communication systems in order to attain organisational differentiation through performance enhancement and integration of management practices that favour business sustainability. Firstly, we will try to explain the complexity of a construction project and how lean principles can be adapted to the construction industry, as well as some practical examples of the adoption of new technologies. Then, it will be explained how knowledge management and learning mechanisms can be critical in attaining a competitive advantage in this sector. Finally, a conceptual model will be presented based on the literature studies and the main results obtained from the focus group conducted with project managers from the construction area.

Abstract
Markets today are characterized by enormous uncertainty in demand that combined with the increasing complexity of new products and competition, has forced companies to adopt new collaboration strategies with its business partners. SMEs need to form non-hierarchical networks where they can complement their capabilities and resources, achieve higher added value and higher control of the business. In these environments, decision making becomes decentralized and operations' planning presents new challenges and becomes more collaborative. An integrated solution for non-hierarchical networks collaborative planning is presented in this paper. The solution proposed includes two collaborative planning scenarios (aggregate and detailed), applied in different phases of non-hierarchical networks' lifecycle, which allows SME's to negotiate prices and delivery times in a collaboratively way. The solution considers requirements from companies belonging to three different industrial sectors, assuring its wide applicability. © 2011 Research Institute for Ope.