This estimate was released Wednesday by the Institute for Research and Documentation in Health Economics (Irdes).Of course it raises a question of quality of care (from 5.3 to 7.1 adverse events "serious" occur for 1000 hospital days, showed a previous survey). But it also points a real financial issue: according to Irdes, "the total cost of ownership of these adverse events is estimated at 700 million" a year. Compared to 460 million deficit in public hospitals in 2010.

The average additional cost is 500 euros for birth trauma, often resulting in lighter and less than one additional day of hospitalization, and 20,000 euros for sepsis (18.5 days).

Groupama has appointed investment bank Morgan Stanley to test market interest in Gan Insurance, which has the fourth network of general agents in France quick payday loans. Axa is mentioned among the potential buyers, as the most motivated. EUROCOURTAGE Vie and Groupama Gan could also be assigned, provide financial sources.

At the same time, management is considering a merger with an investor temporarily.The head of communications, Frédérique Granado, also decided to leave the band.

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This downward revision is the result of a contraction in activity. On the contrary, the good performance of various businesses, including the Brazilian telecom operator GVT and subsidiary of Activision Blizzard video games, should provide an additional net profit of 200 million euros.

The day before, the CAC 40 sold 1.61% below 3200 points, after about German leaders who are very cautious about a future resolution of the crisis in Europe. The German Minister of Economics Wolfgang Schäuble has indeed warned that the EU summit to be held in Brussels Sunday will not lead to a definitive solution to the debt crisis.And, while the central bankers of the euro zone had promised a response "comprehensive and lasting peace" to the crisis at the G20 finance this weekend in Paris.

Fears of a slowdown in Beijing this must be added the fear of a slowing Chinese economy, which appears in 9.1% in the third quarter, against 9.7% and 9.5 % in the first and second quarter. "Economic growth is currently facing a more complicated on both external and internal plans," said the spokesman for the National Bureau of Statistics (NBS), Sheng Laiyun commenting on the growth of China. In fact, Chinese exporters are beginning to suffer from particular sovereign debt crisis in Europe, their largest market, a difficult economic situation in the United States.The Chinese economy is also impacted by rising wages and strong yuan, has appreciated by 7% in a year against the dollar. "The number of factors of instability and uncertainty increases," says Sheng Laiyun.

On the front of currencies, the euro rose 0.28% to 1.377 dollars on Tuesday. Oil is meanwhile down in Asia after the confirmation of a slowdown in Chinese growth in the third quarter against a backdrop of skepticism about a speedy resolution of sovereign debt crisis in the euro area.The barrel of "light sweet crude" for delivery in November, up in the early electronic trading, lost 9 cents to 86 low fee cash advance.29 dollars, around 6:00.

On the macroeconomic front, Germany, the barometer of confidence in financial circles ZEW is expected in 11 hours.

In Britain publish inflation for the month of September will also punliée.

Spain should in turn issue Treasury Bills 12-18 months, and publish the figures for bad debts of its banks for the month of August.

Values ​​to follow on Tuesday:

• Danone

Group sales in the third quarter were in line with analysts' expectations, and with forecasts recently outlined by the Group CEO, Franck Riboud.Sales for the period to 4805 and spring million, an increase over one year of 10.5% as reported and 5.9% excluding currency effects and changes in structure. The group confirms its 2011 and said he was "confident" in 2012.

• Air France-KLM

The company announced Monday the resignation of its CEO Pierre-Henri Gourgeon, President Jean-Cyril Spinetta regaining his seat as CEO of the Franco-Dutch until the establishment of a real Air France-KLM holding company, postponed current 2013 instead of early 2012.

• L'Oréal

With the guardianship of Liliane Bettencourt, the transfer of power between the L'Oreal heiress and her daughter opened a new era may change the balance of governance of the group as its ties to Nestlé.

• Edenred

The group announced a growth of 11.3% of sales in the third quarter thanks to a very strong activity in Latin America, enabling it to confirm its annual targets.

• LVMH

The group reported organic growth of 15% to 16.30 billion euros in sales in the third quarter, as the first nine months of the year. He felt that his performance since the beginning of the year confirms its confidence for 2011.

• Aéroports de Paris

The company will present the latest figures for passenger traffic.

• Accor

The hotel group will present its turnover in the third quarter after market close.

• NextRadioTV

The group presents its revenues in the third quarter.

With approximately 150 employees, W is hoping to attract a trendy clientele of artists, designers, models and other "b eautiful people", in Paris for business or pleasure. With 91 rooms including 20 suites from 36 to 70 square meters, it is a five-star rating. "Our average price will be between 400 and 450 euros (against 700 minimum in a palace, Ed), says Olivier Servat, its chief executive.We seek an occupancy rate of about 75% the first year. "

Jostling codes, "W is a laboratory of trends that will revolutionize the language of hospitality, he says. The idea is to have a head start. We are rather than Kate Moss Claudia Schiffer. " Thus, no hall to W, but a "living room", where do its check-in, but also a drink while listening to a DJ. The concierge service promises "Whenever Whatever" and the best places "hype" of the capital. If the decor is signed Rockwell Group, the hotel will offer either pool or spa. However it will organize regular "happenings" (fashion show …), against a backdrop of electronic music.

Starwood "under-represented in France"

The next Fashion Week in February, which attracts the who's who of fashion in Paris promises to be a key week for the hotel cheap pay day loans.The first W in Paris will be the 41st of the brand in the world and 5th in Europe (after Istanbul, Barcelona, ​​London and St. Petersburg).

It will also be the sixth facility in France from Starwood Hotels & Resorts, in addition to the Sheraton Roissy, Le Meridien Etoile Le Meridien Nice, The Westin Paris Vendome and the Prince of Wales, closed for renovations until fall 2012.

"We are under-represented in France, Flavio Bucciarelli admits, Regional Director, also head of the Meridien Etoile. But the good opportunities are few. "Since the opening of the Westin Paris Vendome in 2005, the chain had no hotel opened in France. In January, he lost the use of the Meridien Montparnasse, in favor of Accor, who renamed Pullman Paris Montparnasse.

"We focus on the Bric (Brazil, Russia, India, China), said Flavio Bucciarelli.In the next two years, China, with 150 hotels, will be our first countries to the United States. "All brands, Starwood Hotels & Resorts Announces 350 hotel projects under development in the world, the trend is to be less and less owner of the walls. Thus, while it operates since 2006 the Meridian Star (the largest business hotel in France, with 1021 rooms), he never owned. Its current owner, the company Starman, considering the walls to sell 350 million euros.

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This is a revolution in shopping habits. "We have completely changed the profile of the truck, said Christophe Rebours, founder of In process design agency that designed the new truck, manufactured by German Wanzl. It was necessary to facilitate purchases and allow customers to better organize their shopping in stores. We bet on the flexibility of use thanks to the bags and different spaces that can accommodate the volume of races. "Notches on the side let slip a broom, for example. Downstairs, the buyer may ask the TV screen or drink without having to break the back by lifting them above the truck … Customers will come with their bags (or those of its competitors Carrefour) or purchase on site ( around 0.60 euro).One in two of the brand are already being used for shopping.

With fixed rear wheels, the new truck that will be offered the choice alongside the old, is more manageable. Lighter, with less metal, it will also make less noise. For young children, being unable to sit inside the truck, they can stick to vertical handles designed for this purpose on each side.

Scanner Procurement

Finally, a shelf was intended to put the shopping list or a loyalty card. "One can imagine eventually having screens or more sophisticated information systems integrated or connected to the trolley smartphone customers," said Philippe Picaud. But new technologies are not absent from the new truck. "Mobi" offers buyers the ability to scan their own bar code their products via technology ScanLib.The buyer, who no longer out of her shopping cart at checkout, the range directly into the closet after returning home. 10% of purchases are ScanLib today at Carrefour.

The observation of teaching was simple. After fifty years of loyal service, the truck needed a serious facelift. Apart from the introduction of plastic in the last five years, he had hardly changed. "We became aware of the expectations and frustrations of users when we worked two years ago on the reinvention of the supermarket, says Philippe Picaud. The truck was old, it was not the object that clients were proud to use to shop in the 1960s, these new temples of consumption. "

Carrefour bets on the mass production of its new truck to absorb the extra cost of manufacturing (10%).The company has filed a patent to protect his invention. When the group is experiencing difficulties, particularly in France (40% of revenues), the arrival of these new trucks is welcome.

In unsheathed before its competitors, Carrefour offers a small facelift.

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The service contract that binds the State says that the group must pass on its energy supply costs. But the government knows how much an increase in the gas would be unpopular, especially a few months before elections in spring 2012.

GDF Suez has made a proposal to the government: it is to massively increase the number of those who are exempt from rising gas prices on behalf of fuel poverty installment payday loans. This number would increase from 400,000 people to a range of between 4 and 5 million. In return, he demanded a rate increase for all other customers.When asked, all actors in this folder to refuse any comment.

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The group offers non-binding expected by early October. If the evaluation of Redcats by the buyers does not seem in doubt, difficulties in finding funding from banks could encourage them to drop their offer of a few hundred million. A possibility that PPR, well known for selling its subsidiaries, refuses to accept in advance. "I'm not going to sell off assets with a view short-term approach, says François-Henri Pinault.I have no debt, no big acquisition to do. "

In addition, PPR does not seem to need to sell Redcats to finance acquisitions of medium size. François-Henri Pinault has acknowledged that the group was discussing with the families of the Italian owners of ready-to-wear Brioni, officially on sale for many months. "Unfortunately, we are not alone," smiled the CEO, by refusing to specify whether it has filed a binding offer to sellers. Brioni, who directed last year a turnover of 117 million euros, is also of interest to other luxury groups and investment funds. The owners have so far taken their time. François-Henri Pinault, who wants to strengthen the pole on the PPR luxury segment of the jewelry available, however has refused to confirm his interest in Italian Pomellato.

After the removal last week of raising VAT on theme parks, the UMP president of the National Assembly, Bernard Accoyer, pleaded Tuesday morning in an interview with Les Echos, a lower threshold for taxation of high income. Those reporting more than 250,000 euros of income would be affected as well, while not the government's plan was originally intended that the income of more than 500,000 euros. "It's still very high level. I think this discussion will be debated in Parliament. I am at least favorable, "said Bernard Accoyer. A proposal that the government seems willing to consider.Europe 1 this morning, the Minister of Economy, Baroin, said here that "it will be discussed in the budget for next year. We made a proposal, the debate is open. " This measure, however, should be discussed in October.

Remove the Consolidated Global Profit

The government and members of the majority have already agreed on Monday to restore the deduction on real estate gains after 30 years in prison out of a good residence payday loan. To finance this partial restoration of the reduction, the budget minister, Valérie Pécresse, expressed on Tuesday on Canal + ready to tighten the tax on luxury hotels and large groups.

"Whatever the arrangements, relaxations or changes you make to a particular measure, it will have to be fully compensated," recalled the minister.To do this, the parliamentarians had proposed to tax at 14% turnover of hotels above four stars. A measure considered "too heavy" by the minister, "the government will propose a more gentle." According to an official UMP city Tuesday morning by AFP, a 2% tax on overnight could be created.

Large groups will also be put to work by striking the Consolidated Global Profit. A regime that benefited in 2010 only five multinationals, including Total and Vivendi, and enabling them to significantly reduce their corporate tax. The shortfall of this niche was for the state to 460 million euros last year.

The only macroeconomic indicator on the agenda on Tuesday, however, was likely to reinforce fears of the market: sales of new housing in the United States have in fact declined by 0.7% in July, following declines of 2 9% in June, according to the Commerce Department. On an annual basis, the sales trend to 298,000 units (300,000 in June after), while analysts on average had forecast 310,000. If other indicators will be announced in the coming days, investor caution, but market volatility, however, should remain in force throughout the week until Friday.

That day, in fact, speak the chairman of the Federal Reserve, Ben Bernanke.Speculation is rife, some still hoping that it will decide a third monetary easing to support the U.S. economy. Will also be unveiled for the second estimate of U.S. GDP for the second quarter.

Banks and investment funds turbulent agitated

Oil markets, a barrel of "light sweet crude" for delivery in October closed up 1.02 dollars to 85.44 dollars in New York. As for gold, it never ceases to reach new records: the precious metal has reached this morning for the first time in its history to 1900 dollars.

As for values, the securities of the banking sector managed to recover. Monday, banks have suffered a lot and have weighed most heavily on the Dow. On Tuesday, Bank of America finally finished down 1.87% to 6.30 dollars.The bank, however, lost up to 6% to 6.01 dollars after losing 7.9% Wednesday on rumors of capital increases.

UBS gained 5.23% to 13.64 dollars, while Goldman Sachs ahead of 0.33% to 106.86 dollars, a government source who reported that the bank had hired Reid Weingarten, a lawyer of reputation, that markets see as the harbinger of a tough legal battle over the role of the bank in the financial crisis of 2008-2009.

News is expanded on the side of investment funds. The fund Cerberus and its partner Chatham Lodging Trust and have informed the United States real estate company Innkeepers Trust (Marriott franchise) they did not buy the walls of 64 of its hotels in the United States.The transaction, amounting to $ 1.1 billion, was announced in May.

The investment fund Jana Partners in New York and the pension fund Ontario Teachers Pension Plan, shareholders of the publisher McGraw-Hill (4.45% to 38.69 dollars), for their part stated the recommended separation group's activities. The two investors, who had announced in early August have acquired a total of 5.2% of the capital, advocated in a paper presented to the authority of the U.S. equity markets (SEC) that the group split its divisions Education, Information and Media and stock index Standard & Poor's.

Finally, on the front of mergers over the world stock markets, the Committee on Foreign Investment in the United States (CFIUS) approved on Tuesday the merger of NYSE Euronext (5.17% to 26.23 dollars) and Deutsche Börse (-0.67% to 56.52 dollars) that should give birth to the first global exchange operator.