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                <text>This open access book explores the rise of robo-advisory within the broader FinTech revolution, tracing its evolution from traditional human advisors to AI-driven platforms that democratize financial services. Robo-advisory technologies are part of a rapidly evolving financial landscape shaped by digitalization, disintermediation, and changing client expectations. This work examines the drivers behind this shift, including advancements in AI and data analytics, evolving investor demands for personalization and accessibility, and the cost and scalability pressures facing financial institutions.&#13;
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 The book differentiates rule-based from AI-powered systems, highlighting how modern robo-advisors increasingly leverage machine learning, behavioral insights, and alternative data to offer dynamic and adaptive services. Emerging trends such as hybrid advisory models, behavioral nudges, ethical challenges surrounding algorithmic transparency, and inclusivity concerns are also addressed. Moreover, this work maps out key players and market trends, emphasizing regional variations, consolidation patterns, and niche market opportunities. &#13;
&#13;
A novel framework of six AI-driven business models is introduced to explain how robo-advisory is strategically deployed across incumbent and disruptive financial organizations. Ultimately, robo-advisory technologies serve as a lens to understand the future trajectory of financial services where AI, automation, and behavioral design converge to reshape how individuals engage with money, risk, and long-term financial planning.</text>
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                <text>Epidemiological studies have demonstrated the beneficial effect of plant-derived food intake in reducing the risk of cardiovascular disease (CVD). The potential bioactivity of cocoa and its polyphenolic components in modulating cardiovascular health is now being studied worldwide and continues to grow at a rapid pace. In fact, the high polyphenol content of cocoa is of particular interest from the nutritional and pharmacological viewpoints. Cocoa polyphenols are shown to possess a range of cardiovascular-protective properties, and can play a meaningful role through modulating different inflammatory markers involved in atherosclerosis. Accumulated evidence on related anti-inflammatory effects of cocoa polyphenols is summarized in the present review.</text>
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                <text>A refining step is often crucial for the removal of undesired components in fats and oils. More flexible refining technologies are required due to a global decline in cocoa butter quality and to meet industry’s demand for cocoa butters with improved properties. The aim was to investigate the impact of the cocoa butter refining process on milk chocolate quality. Therefore a crude cocoa butter was subjected to a steam refining at different temperatures and this with or without a silica pretreatment. The major effect of the silica pretreatment was the complete removal of phosphorus (thus phospholipids), iron and alkaline components. During the steam refining step mainly Free Fatty Acids (FFA) were removed at increased temperatures (T⩾200°C). The refining of the cocoa butter influenced the rheological properties of the chocolate. An increased packed column temperature, coinciding with the removal of FFA, resulted in a …&#13;
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                <text>Although cocoa butter (CB) is an ideal fat for the use in chocolate, limited supply, high demand and fluctuating prices lead the industry to look for alternatives. In the present study, physicochemical properties of commercially available cocoa butter equivalents (CBE) and hard palm mid fraction (PMF) are compared with those of CB. Subsequently, their functionality in real and compound chocolate was evaluated. CBE and PMF contained a comparable (12.0–13.8 %) but significant lower amount of POSt compared to CB (38.7 %). Differences in nonisothermal crystallization and melting profile were observed between CB and CBE. The two-step isothermal crystallization at 20 °C showed that the nucleation started earlier as the StOSt content increased. No significant differences were observed in melting behavior between the reference chocolate (ChocREF) and the chocolates with partial replacement. Hardness …</text>
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                <text>This comprehensive two-semester textbook, now in its 4th edition, continues to provide students with a thorough theoretical understanding of electromagnetic field relations while also providing numerous practical applications. The topics follow a tested pattern familiar to the previous edition, each with a brief, introductory chapter followed by a chapter with extensive treatment, 10 to 30 applications, examples and exercises, and problems and summaries. There is new emphasis on problems, examples, and applications based on energy harvesting and renewable energy; additional information on sensing and actuation; new material on issues in energy, power, electronics, and measurements; and an emphasis on aspects of electromagnetics relevant to digital electronics and wireless communication. &#13;
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