WorldWideScience

Sample records for cargo insurance

  1. 48 CFR 52.228-9 - Cargo Insurance.

    Science.gov (United States)

    2010-10-01

    ... 48 Federal Acquisition Regulations System 2 2010-10-01 2010-10-01 false Cargo Insurance. 52.228-9... Insurance. As prescribed in 28.313(a), insert the following clause: Cargo Insurance (MAY 1999) (a) The..., cargo insurance of $_____ per vehicle to cover the value of property on each vehicle and of $_____...

  2. CARGO INSURANCE. TOTAL LOSS UNDER NORWEGIAN, ENGLISH AND RUSSIAN LAW

    OpenAIRE

    Evstigneeva, Anastasia

    2015-01-01

    This Master Thesis was created because of great personal interest towards marine insurance as such ans cargo insurance in particular. The purpose of this work is to give a proper overview of three legal fields - Norwegian, English and Russian Law. Cargo insurance is of no doubts tremendously important nowadays. How often do people consider where the goods they use daily are coming from? Some tea from India, a new phone form Japan, household appliances from Germany. All these goods were made l...

  3. 48 CFR 752.228-9 - Cargo insurance.

    Science.gov (United States)

    2010-10-01

    ... 48 Federal Acquisition Regulations System 5 2010-10-01 2010-10-01 false Cargo insurance. 752.228-9... insurance. As prescribed in 728.313(a), the following preface is to be used preceding the text of the clause at FAR 52.228-9: Preface: To the extent that marine insurance is necessary or appropriate under...

  4. 46 CFR 308.551 - War risk insurance clearing agency agreement for cargo, Form MA-321.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 8 2010-10-01 2010-10-01 false War risk insurance clearing agency agreement for cargo, Form MA-321. 308.551 Section 308.551 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION... clearing agency agreement for cargo, Form MA-321. The standard form of clearing agency agreement, Form...

  5. 75 FR 35318 - Cargo Insurance for Property Loss or Damage

    Science.gov (United States)

    2010-06-22

    ... Notice of Proposed Rulemaking (NPRM) designed to implement this new system (70 FR 28990, May 19, 2005... (SAFETEA-LU) (Pub. L. 109-59, August 10, 2005) mandated that the transition rule be terminated by January 1... insurance requirements for freight forwarders in 1944 (9 FR 14548, December 13, 1944). These...

  6. The role of the broker and insurance of oil cargoes in the market

    International Nuclear Information System (INIS)

    This article considers Lloyd's insurance brokers and their code of practice which covers their conduct, the need to meet the insurance requirements of clients, and the stipulation that advertisement should not be inaccurate. The Institute Bulk Oil Clauses 1983 and the American SP13C Clauses 1962, categories of clients and insurance markets are discussed. (UK)

  7. 46 CFR 308.517 - Open Cargo Policy, Form MA-300.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 8 2010-10-01 2010-10-01 false Open Cargo Policy, Form MA-300. 308.517 Section 308.517... Risk Cargo Insurance Ii-Open Policy War Risk Cargo Insurance § 308.517 Open Cargo Policy, Form MA-300. The standard form of War Risk Open Cargo, Form MA-300, may be obtained from the American War...

  8. INHERENT VICE & INSUFFICIENT PACKING CLAUSES FOR ALL RISKS INSURANCE POLICIES UNDER BRITISH INSTITUTE CARGO CLAUSES : legal issues arising from claims of loss during sea transportation of large technical equipments

    OpenAIRE

    2010-01-01

    Analysis and presentation of this thesis is supported by studies of many relevant cases where the major arguments are set around the exclusion clauses concerning the ‘all risks cover’ policy as found in Institute Cargo Clauses. Two cases are especially emphasized, namely Mayban General Assurance BHD v. Alstom Power Plants Ltd. and Global Process Systems Inc v. Syarikat Takaful Malaysia Berhad , mainly because of the special nature of the subject matter insured in these cases. The legal i...

  9. 46 CFR 308.502 - Additional insurance.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 8 2010-10-01 2010-10-01 false Additional insurance. 308.502 Section 308.502 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Cargo Insurance I-Introduction § 308.502 Additional insurance. The assured may place increased value...

  10. Institute Cargo Clauses : Nova verzija 2009.

    OpenAIRE

    Lovrić, Ivana

    2012-01-01

    Institute Cargo Clauses, 2009. znače izmijenjene i dopunjene Institute Cargo Clauses iz 1982. Osnovni razlozi za reviziju prijašnjih uvjeta leže u pojavi novih rizika, potrebi da se uvjeti kargo osiguranja prilagode promjenama u suvremenom transportnom sustavu te jezično i terminološki osuvremene. Novi uvjeti donose niz rješenja koja znače modernizaciju u odnosu na rješenja Marine Insurance Acta iz 1906. Redaktori novih uvjeta vodili su računa i o tome da pojedine odredbe budu jasnije form...

  11. Trajanje osiguranja prema Institute Cargo Clauses (2009.)

    OpenAIRE

    Petrinović, Ranka; Lovrić, Ivana

    2012-01-01

    Institute Cargo Clauses iz 2009. zapravo su izmjene i dopune Institute Cargo Clauses iz 1982. Osnovni su razlozi za reviziju prijašnjih uvjeta u pojavi novih rizika, potrebi da se uvjeti kargo-osiguranja prilagode promjenama u suvremenome transportnom sustavu te jezično i terminološki osuvremene. Novi uvjeti donose više rješenja koja znače modernizaciju u usporedbi s onima u Marine Insurance Acta iz 1906., pa se prezentiraju kao klauzule za novo tisućljeće. Među bitnim promjenama koje donose ...

  12. Cargo work for maritime operations

    Energy Technology Data Exchange (ETDEWEB)

    House, D.

    2005-07-01

    Previously published as Kemp & Young's Cargo Work, this new edition has been revised and expanded to reflect unit load containerised systems that are now used in the majority of cargo shipping, while retaining the necessary detail on transporting key classes of cargoes safely, efficiently and profitably. The book covers general principles and the latest international regulations that affect all cargo work, including cargo types and key characteristics of a wide range of cargo classes. It also details Roll On-Roll Off cargo handling, containerisation, equipment and offshore supply. Chapter 4 on bulk cargoes contains a section headed: Coal, characteristics, categories and procedures, precautions.

  13. Insurance frauds

    OpenAIRE

    Lešková, Michaela

    2014-01-01

    This bachelor's thesis deals with the insurance fraud issue. The theoretical part of this paper work describes the characteristics of the insurance fraud, its classification which is extend of committing insurance fraud in insurance products of life insurance and non-life insurance. I illustrate some groups of insurance products by using the graphs, which will continue to the practical part of the work. In this part I focus mainly on how clients of Insurance Company feel about insurance fraud...

  14. Research on marine carrier's insurable interest of the cargo liability --with suggestions to revise Article 44 of Maritime Code of the People's Republic of China%海上承运人对货物责任保险利益有关问题研究——兼论对《中华人民共和国海商法》第44条规定的修改

    Institute of Scientific and Technical Information of China (English)

    李兆良

    2011-01-01

    分析探讨因对海上承运人承运货物责任保险利益的不同理解所引发的承保、适用保险条款、隐名保险等问题,澄清《中华人民共和国海商法》第44条“保险利益”规定引起的歧义,提出对第44条规定的修改意见。%This article discussed such issue as the marine carrier's insurable interest of the cargo liability, underwriting of carrier's cargo liability, application of relevant insurance clauses, undisclosed insurance etc., clarified the disputes arising from the meaning of "benefit of insurance" provided for in Article 44 of the Maritime Code of the People's Republic of China and suggesting for the revision of Article 44 was given afterwards.

  15. Life insurance

    OpenAIRE

    Topič, Jakub

    2009-01-01

    The topic of this bachelor's project is life insurance. The theoretical part consists of literary research focussed not only on life insurance. The research begins with general introduction to the insurance issue, the basic division of insurance, its rules of law and as well some historical facts. The rest of the theoretical part is focussed on life insurance, where we can find basic division of life insurance, description of particular insurance types and various supplementary insurances. In...

  16. Groupage Cargo Transportation Model

    OpenAIRE

    Aleksejevs Ruslans; Guseinovs Raufs; Medvedev Alexander N.; Guseynov Sharif E.

    2016-01-01

    In this work we consider a specific problem of optimal planning of maritime transportation of multiproduct cargo by ships of one (corporate strategy) or several (partially corporate strategy) companies: the core of the problem consists of the existence of the network of intermediate seaports (i.e. transitional seaports), where for every ship arrived the cargo handling is done, and which are situated between the starting and the finishing seaports. In this work, there are mathematical models b...

  17. Report on the 2011 and 2012 NASA Ames Research Center (ARC) / Alaska State Cargo Airship Workshops

    Science.gov (United States)

    Hochstettler, Ronald

    2012-01-01

    This presentation will summarize the Cargo Airships for Northern Operations workshop that was held August 24-25, 2011. This workshop co-sponsored by NASA ARC and the Alaska State Department of Transportation was initiated by interest from Alaska Lt. Governor Mead Treadwell for assistance in investigating the potential benefits of proposed cargo airships for the Alaskan economy and societal needs. The workshop provided a brief background on the technology and operational aspects of conventional airships and hybrids followed by presentations on issues affecting cargo airship operations such as weather management, insurance, regulations, crew duty/rest rules, and available support infrastructures. Speakers representing potential cargo airship users from Alaskan State and commercial organizations presented the needs they felt could be met by cargo airship services. Presenters from Canadian private and military interests also detailed applications and missions that cargo airships could provide to remote regions of Canada. Cost drivers of cargo airship operations were also addressed and tools for modeling and analyzing operational factors and costs affecting cargo airship operations were discussed. Four breakout sessions were held which allowed workshop participants to contribute inputs to four topic areas: Business Approaches and Strategies (financing incentives public/private partnerships etc) for Airship Development and Operation, Design, Development, Production Challenges, and Possible Solutions, Regulatory, Certification, Legal, and Insurance Issues, and Operational Issues, Customer Requirements, and Airship Requirements. A follow on to the 2011 cargo airship workshop is being planned for July 31 August 2, 2012. A status update on this second workshop will also be presented.

  18. Charterer's Liability Insurance : A Type of Marine Insurance

    OpenAIRE

    2007-01-01

    The “charterer’s liability insurance” is a type of marine insurance. Most ships are chartered either on a time charter or voyage charter contract. In both cases the charterer assumes liabilities towards the shipowner because of damage caused to the ship in the course of cargo-handling or because of damage resulting from an unsafe port or berth. And also, the charterer becomes liable similarly to the shipowner, with P&I liability to cargo, pollution claims and etc. All charterers require cover...

  19. About Insurance.

    Science.gov (United States)

    Pieslak, Raymond F.

    The student manual for high school level special needs students was prepared to acquaint deaf students with the various types of insurance protection that will be available to them in their future life. Seven units covering the topics of what insurance is, automobile insurance, life insurance, health insurance, social security, homeowner's…

  20. Groupage Cargo Transportation Model

    Directory of Open Access Journals (Sweden)

    Aleksejevs Ruslans

    2016-03-01

    Full Text Available In this work we consider a specific problem of optimal planning of maritime transportation of multiproduct cargo by ships of one (corporate strategy or several (partially corporate strategy companies: the core of the problem consists of the existence of the network of intermediate seaports (i.e. transitional seaports, where for every ship arrived the cargo handling is done, and which are situated between the starting and the finishing seaports. In this work, there are mathematical models built from scratch in the form of multicriteria optimization problem; then the goal attainment method of Gembicki is used for reducing the built models to a one-criterion problem of linear programming.

  1. INSURANCE GUARANTEE

    OpenAIRE

    Stanescu Catalin-Florinel; Simion Mircea-Laurentiu

    2013-01-01

    Providing security is designed to reduce uncertainty in the credit granting, offers a service or goods entrusted to a third persoane.Acest type of financial risk insurance is different from celelelte by the person who pays the insurance premium is not entitled direct insurance.

  2. Cargo-cult training

    Science.gov (United States)

    Magueijo, João

    2009-12-01

    Richard Feynman, in one of his famous rants, evoked as a metaphor what he called "cargo-cult science". During the Second World War, the indigenous people of the South Pacific became accustomed to US Air Force planes landing on their islands, invariably bringing a profusion of desirable goods and tasty foods. When the war ended, they were distressed by the discontinuation of this popular service. So, they decided to take action. They cleared elongated patches of land to make them look like runways. They lit wood fires where they had seen electric floodlights guiding in the planes. They built a wooden shack and made a man sit inside with two halves of a coconut on each ear and bamboo bars sticking out like antennas: he was the "air controller". And they waited for the planes to return.

  3. 46 CFR 308.549 - Application for appointment of Cargo Underwriting Agent, Form MA-319.

    Science.gov (United States)

    2010-10-01

    ..., Form MA-319. 308.549 Section 308.549 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION... appointment of Cargo Underwriting Agent, Form MA-319. Any domestic insurance company authorized to do a marine... by submitting to the Maritime Administrator a letter and Form MA-399, which may be obtained from...

  4. Captive insurance

    OpenAIRE

    Ambrosová, Simona

    2011-01-01

    This thesis has as its main goal the objective analysis of the potential for captive insurance risk management in specific situations and market analysis of captive insurance. It uses a description of the history and development of this sector, addressing the advantages and disadvantages, which helps to reflect on the usefulness of this tool. Furthermore, the analysis of that market, location options of captive insurance companies and types of captives are described here as well. A large part...

  5. Pension insurance

    OpenAIRE

    Procházková, Olga

    2010-01-01

    My diplom thesis focuses on the pension system in the Czech Republic because the additional pension insurance is a part of it. It briefly characterizes the current state of the pension system, especially of 1st pillar, with focus on its problems caused by the worsening demographic development of the population. Based on that, the current pension system in the Czech Republic is becoming unsustainable. I am also mentioning the basis principals of the pension insurance structure in developed Eur...

  6. Model of informational system for freight insurance automation based on digital signature

    Directory of Open Access Journals (Sweden)

    Maxim E. SLOBODYANYUK

    2009-01-01

    Full Text Available In the article considered a model of informational system for freight insurance automation based on digital signature, showed architecture, macro flowchart of information flow in model, components (modules and their functions. Described calculation method of costs on interactive cargo insurance via proposed system, represented main characteristics and options of existing transport management systems, conceptual cost models.

  7. 49 CFR 1544.228 - Access to cargo and cargo screening: Security threat assessments for cargo personnel in the...

    Science.gov (United States)

    2010-10-01

    ... threat assessments for cargo personnel in the United States. 1544.228 Section 1544.228 Transportation... COMMERCIAL OPERATORS Operations § 1544.228 Access to cargo and cargo screening: Security threat assessments... paragraph (b) of this section— (1) Each individual must successfully complete a security threat...

  8. 46 CFR 153.908 - Cargo viscosity and melting point information; measuring cargo temperature during discharge...

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 5 2010-10-01 2010-10-01 false Cargo viscosity and melting point information; measuring..., LIQUEFIED GAS, OR COMPRESSED GAS HAZARDOUS MATERIALS Operations Documents and Cargo Information § 153.908 Cargo viscosity and melting point information; measuring cargo temperature during discharge:...

  9. 76 FR 51847 - Air Cargo Screening

    Science.gov (United States)

    2011-08-18

    ... Exporters and Importers, Cargo Airline Association, Council of Supply Chain Management Professionals... the air cargo supply chain. TSA Response: The 9/11 Act required the Secretary of Homeland Security to... conduct screening at stages earlier within the cargo supply chain and off-airport. Thus, the CCSP...

  10. 46 CFR 153.907 - Cargo information.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 5 2010-10-01 2010-10-01 false Cargo information. 153.907 Section 153.907 Shipping... Information § 153.907 Cargo information. (a) The master shall ensure that the following information for each... process for the vessel. (b) The master shall make sure that the following information for cargoes...

  11. 46 CFR 154.1810 - Cargo manual.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 5 2010-10-01 2010-10-01 false Cargo manual. 154.1810 Section 154.1810 Shipping COAST... SELF-PROPELLED VESSELS CARRYING BULK LIQUEFIED GASES Operations § 154.1810 Cargo manual. (a) No person... navigable waters of the United States, or a U.S. flag vessel, unless the vessel has on board a cargo...

  12. 49 CFR 172.328 - Cargo tanks.

    Science.gov (United States)

    2010-10-01

    ... 49 Transportation 2 2010-10-01 2010-10-01 false Cargo tanks. 172.328 Section 172.328... SECURITY PLANS Marking § 172.328 Cargo tanks. (a) Providing and affixing identification numbers. Unless a cargo tank is already marked with the identification numbers required by this subpart,...

  13. Cargo-shell and cargo-cargo couplings govern the mechanics of artificially loaded virus-derived cages

    Science.gov (United States)

    Llauró, Aida; Luque, Daniel; Edwards, Ethan; Trus, Benes L.; Avera, John; Reguera, David; Douglas, Trevor; Pablo, Pedro J. De; Castón, José R.

    2016-04-01

    Nucleic acids are the natural cargo of viruses and key determinants that affect viral shell stability. In some cases the genome structurally reinforces the shell, whereas in others genome packaging causes internal pressure that can induce destabilization. Although it is possible to pack heterologous cargoes inside virus-derived shells, little is known about the physical determinants of these artificial nanocontainers' stability. Atomic force and three-dimensional cryo-electron microscopy provided mechanical and structural information about the physical mechanisms of viral cage stabilization beyond the mere presence/absence of cargos. We analyzed the effects of cargo-shell and cargo-cargo interactions on shell stability after encapsulating two types of proteinaceous payloads. While bound cargo to the inner capsid surface mechanically reinforced the capsid in a structural manner, unbound cargo diffusing freely within the shell cavity pressurized the cages up to ~30 atm due to steric effects. Strong cargo-cargo coupling reduces the resilience of these nanocompartments in ~20% when bound to the shell. Understanding the stability of artificially loaded nanocages will help to design more robust and durable molecular nanocontainers.Nucleic acids are the natural cargo of viruses and key determinants that affect viral shell stability. In some cases the genome structurally reinforces the shell, whereas in others genome packaging causes internal pressure that can induce destabilization. Although it is possible to pack heterologous cargoes inside virus-derived shells, little is known about the physical determinants of these artificial nanocontainers' stability. Atomic force and three-dimensional cryo-electron microscopy provided mechanical and structural information about the physical mechanisms of viral cage stabilization beyond the mere presence/absence of cargos. We analyzed the effects of cargo-shell and cargo-cargo interactions on shell stability after encapsulating two

  14. Cargo Assured Access to International Space Station

    Science.gov (United States)

    Smith, David A.

    2004-01-01

    Boeing's Cargo Assured Access logistics delivery system will provide a means to transport cargo to/from the International Space Station, Low Earth Orbit and the moon using Expendable Launch Vehicles. For Space Station, this capability will reduce cargo resupply backlog during nominal operations (e.g., supplement Shuttle, Progress, ATV and HTV) and augment cargo resupply capability during contingency operations (e.g., Shuttle delay and/or unavailability of International Partner launch or transfer vehicles). This capability can also provide an autonomous means to deliver cargo to lunar orbit, a lunar orbit refueling and work platform, and a contingency crew safe haven in support of NASA's new Exploration Initiative.

  15. Chinese Space Insurance Opportunities

    Institute of Scientific and Technical Information of China (English)

    LiuJie

    2005-01-01

    Jiang Tai Insurance Broker Co., Ltd and China Pacific Insurance (group) Co., Ltd jointly held a conference on Space and Space Insurance on January 13 and 14, 2005. About 50 representatives from 30 domestic insurance companies attended the event.

  16. Health Insurance Basics

    Science.gov (United States)

    ... Can I Help a Friend Who Cuts? Health Insurance Basics KidsHealth > For Teens > Health Insurance Basics Print ... advanced calculus was confusing. What Exactly Is Health Insurance? Health insurance is a plan that people buy ...

  17. Cargo-shell and cargo-cargo couplings govern the mechanics of artificially loaded virus-derived cages.

    Science.gov (United States)

    Llauró, Aida; Luque, Daniel; Edwards, Ethan; Trus, Benes L; Avera, John; Reguera, David; Douglas, Trevor; Pablo, Pedro J de; Castón, José R

    2016-04-28

    Nucleic acids are the natural cargo of viruses and key determinants that affect viral shell stability. In some cases the genome structurally reinforces the shell, whereas in others genome packaging causes internal pressure that can induce destabilization. Although it is possible to pack heterologous cargoes inside virus-derived shells, little is known about the physical determinants of these artificial nanocontainers' stability. Atomic force and three-dimensional cryo-electron microscopy provided mechanical and structural information about the physical mechanisms of viral cage stabilization beyond the mere presence/absence of cargos. We analyzed the effects of cargo-shell and cargo-cargo interactions on shell stability after encapsulating two types of proteinaceous payloads. While bound cargo to the inner capsid surface mechanically reinforced the capsid in a structural manner, unbound cargo diffusing freely within the shell cavity pressurized the cages up to ∼30 atm due to steric effects. Strong cargo-cargo coupling reduces the resilience of these nanocompartments in ∼20% when bound to the shell. Understanding the stability of artificially loaded nanocages will help to design more robust and durable molecular nanocontainers. PMID:27091107

  18. NWA Cargo Is Granted Additional Cargo Frequencies to China Four all-cargo frequencies per week granted by U.S. Department of Transportation

    Institute of Scientific and Technical Information of China (English)

    2006-01-01

    @@ NWA Cargo, the cargo division of Northwest Airlines, will expand its all-cargo freighter service between the United States and China after being awarded four additional frequencies per week by the U.S. Department of Transportation.

  19. HEALTH INSURANCE

    CERN Multimedia

    Division HR

    2000-01-01

    Change of name for AUSTRIA As of October 1, the AUSTRIA Assurances S.A. company will change its name to: UNIQA Assurances S.A. It inherits the same name as its parent Austrian company, which adopted it towards the end of 1999. This change has no effect on the contract which binds it to CERN for the administration of our Health Insurance Scheme. New insurance cards will be sent to you by UNIQA and the printed forms and envelopes will gradually be updated with the new name. Postal and phone addresses remain unaffected by the change. You should address your postal mail to: UNIQA Assurances rue des Eaux Vives 94 case postale 6402 1211 Genève 6 You may telephone your usual contact persons at the same numbers as before and send e-mails to the UNIQA office at CERN at: UNIQA.Assurances@cern.ch

  20. Export insurance

    International Nuclear Information System (INIS)

    These notes are intended as a general guide for the use of members of the Canadian Nuclear Association who are, or may become, involved in supplying goods or services or contracting/ erecting as part of a contract to supply a nuclear facility to an overseas country. They give information to the type of insurances needed and available, the parties normally responsible for providing the coverages, the intent and operation of the various policies, general methods of charging premiums, and main exclusions

  1. HEALTH INSURANCE

    CERN Multimedia

    2000-01-01

    The CERN-AUSTRIA Agreement, which implemented CERN's health insurance scheme, expired on 31 December 1999.In accordance with CERN's rules, a call for tenders for the management of the health insurance scheme was issued and the contract was once again awarded to AUSTRIA. In June 1999, the Finance Committee thus authorised the Management to conclude a new contract with AUSTRIA, which came into force on 1st January 2000.Continuity is thus assured on favourable conditions and the transition from one contract to the other will entail no substantial changes in the system for those insured at CERN except for a few minor and purely formal amendmentsWHAT REMAINS UNCHANGEDThe list of benefits, i.e. the 'cover' provided by the system, is not changed;Neither is the reimbursement procedure.AUSTRIA's office at CERN and its opening hours as well as its city headquarters remain the same. The envelopes containing requests for reimbursement have had to be sent (since the end of 1998) to :Rue des Eaux-Vives 94Case postale 64021...

  2. Prescriptions and Insurance Plans

    Science.gov (United States)

    MENU Return to Web version Prescriptions and Insurance Plans Prescriptions and Insurance Plans Getting a prescription filled is usually easy. But because of the high cost of prescription medicines, most insurance ...

  3. Forestry Standardization & Forestry Insurance

    Institute of Scientific and Technical Information of China (English)

    2006-01-01

    @@ Forestry insurance of our country has developed slowly,of which the main difficulty lies in predicting and determining forestry risk,confirming the sum insured,raising the premiums, indemnity for property loss,coordinating forestry insurance and forestry protection,and lack of insurance legal system etc.With the implementation of forestry's standardized project,and overcoming effectively the technological obstacle existing in forestry's insurance,the development speed of forestry's insurance will be accelerated too.

  4. Unemployment Insurance Query (UIQ)

    Data.gov (United States)

    Social Security Administration — The Unemployment Insurance Query (UIQ) provides State Unemployment Insurance agencies real-time online access to SSA data. This includes SSN verification and Title...

  5. Unemployment Insurance Management.

    Science.gov (United States)

    Pope, Daniel C.

    1979-01-01

    An insurance management system has the goal of minimizing unemployment insurance costs. Components of a model system should include general administration, claims management, and appeals process. (Author)

  6. Life Insurance. Universal-Life Insurance

    OpenAIRE

    Smith, Mike; Hayhoe, Celia Ray

    2009-01-01

    Universal-life insurance was created to address many of the problems associated with whole-life insurance. One problem with whole-life insurance is its lack of flexibility. A second problem with whole life is that it is much like a black box. The owner cannot see exactly how it works. Universal life provides solutions to these problems. To fully understand universal life, refer to "Life Insurance: Whole-Life Insurance", Virginia Cooperative Extension publication 354-145, for some backgroun...

  7. Insurance Premium Optimization: Perspective of Insurance Seeker and Insurance Provider

    Directory of Open Access Journals (Sweden)

    Nidhi Arora

    2014-03-01

    Full Text Available The paper proposes a utilitarian and newfangled design of life insurance premium payment. Insurance companies provide insurance to the policy holders and in turn the policy holders have to pay insurance premium periodically. In this paper, we study the important factors to be considered at the time of selecting the term of premium payment of insurance. The intention is to extend this study to a method which can machinate and assist users in deciding the term and amount of premium payment. Our aim here is twin-fold; one, to evoke a novel way to policy holder to decide the least premiums to be paid and second, to devise a manner for insurance provider to collect maximum premiums. With this twofold aim, we propose a hybrid soft computing optimization model using Neuro-Fuzzy approach and Particle Swarm Optimization.

  8. Alternative health insurance schemes

    DEFF Research Database (Denmark)

    Keiding, Hans; Hansen, Bodil O.

    2002-01-01

    In this paper, we present a simple model of health insurance with asymmetric information, where we compare two alternative ways of organizing the insurance market. Either as a competitive insurance market, where some risks remain uninsured, or as a compulsory scheme, where however, the level...... competitive insurance; this situation turns out to be at least as good as either of the alternatives...

  9. Women's Health Insurance Coverage

    Science.gov (United States)

    ... Health Policy Women’s Health Insurance Coverage Women’s Health Insurance Coverage Feb 02, 2016 Facebook Twitter LinkedIn Email ... women’s coverage in future years. Sources of Health Insurance Coverage Employer-Sponsored Insurance: Approximately 57 million women ...

  10. 46 CFR 153.975 - Preparation for cargo transfer.

    Science.gov (United States)

    2010-10-01

    ... on deck or in compartments near the hose connections when Table 1 requires the cargo's containment.... (i) No repair work is underway in areas where cargo or cargo vapors may collect. (j) Cargo and sea... containment systems do not exceed the pressure ranges for which the transfer hose and containment systems...

  11. 29 CFR 1918.87 - Ship's cargo elevators.

    Science.gov (United States)

    2010-07-01

    ... 29 Labor 7 2010-07-01 2010-07-01 false Ship's cargo elevators. 1918.87 Section 1918.87 Labor... (CONTINUED) SAFETY AND HEALTH REGULATIONS FOR LONGSHORING Handling Cargo § 1918.87 Ship's cargo elevators. (a) Safe working load. The safe working loads of ship's cargo elevators shall be determined and...

  12. 46 CFR 153.977 - Supervision of cargo transfer.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 5 2010-10-01 2010-10-01 false Supervision of cargo transfer. 153.977 Section 153.977 Shipping COAST GUARD, DEPARTMENT OF HOMELAND SECURITY (CONTINUED) CERTAIN BULK DANGEROUS CARGOES SHIPS... Procedures § 153.977 Supervision of cargo transfer. The person in charge of cargo transfer shall:...

  13. 46 CFR 154.500 - Cargo and process piping standards.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 5 2010-10-01 2010-10-01 false Cargo and process piping standards. 154.500 Section 154... SAFETY STANDARDS FOR SELF-PROPELLED VESSELS CARRYING BULK LIQUEFIED GASES Design, Construction and Equipment Cargo and Process Piping Systems § 154.500 Cargo and process piping standards. The cargo...

  14. 46 CFR 105.25-10 - Cargo pumping installation.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 4 2010-10-01 2010-10-01 false Cargo pumping installation. 105.25-10 Section 105.25-10 Shipping COAST GUARD, DEPARTMENT OF HOMELAND SECURITY (CONTINUED) CARGO AND MISCELLANEOUS VESSELS... Installed Below Decks § 105.25-10 Cargo pumping installation. (a) Cargo pumps shall not be installed in...

  15. 46 CFR 154.412 - Cargo tank corrosion allowance.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 5 2010-10-01 2010-10-01 false Cargo tank corrosion allowance. 154.412 Section 154.412... Containment Systems § 154.412 Cargo tank corrosion allowance. A cargo tank must be designed with a corrosion...) carries a cargo that corrodes the tank material. Note: Corrosion allowance for independent tank type C...

  16. 46 CFR 151.13-5 - Cargo segregation-tanks.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 5 2010-10-01 2010-10-01 false Cargo segregation-tanks. 151.13-5 Section 151.13-5... CARRYING BULK LIQUID HAZARDOUS MATERIAL CARGOES Cargo Segregation § 151.13-5 Cargo segregation—tanks. (a... symbols used in lines 1 and 2, in order, under the tank segregation column of Table 151.05....

  17. 46 CFR 153.251 - Independent cargo tanks.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 5 2010-10-01 2010-10-01 false Independent cargo tanks. 153.251 Section 153.251... CARRYING BULK LIQUID, LIQUEFIED GAS, OR COMPRESSED GAS HAZARDOUS MATERIALS Design and Equipment Cargo Tanks § 153.251 Independent cargo tanks. All independent cargo tank must meet § 38.05-10 (a)(1), (b), (d),...

  18. 46 CFR 105.20-3 - Cargo tanks.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 4 2010-10-01 2010-10-01 false Cargo tanks. 105.20-3 Section 105.20-3 Shipping COAST... VESSELS DISPENSING PETROLEUM PRODUCTS Specific Requirements-Cargo Tanks § 105.20-3 Cargo tanks. (a) Construction and Materials. (1) The cargo tanks must be constructed of iron, steel, copper, nickel...

  19. System for inspection of stacked cargo containers

    Science.gov (United States)

    Derenzo, Stephen

    2011-08-16

    The present invention relates to a system for inspection of stacked cargo containers. One embodiment of the invention generally comprises a plurality of stacked cargo containers arranged in rows or tiers, each container having a top, a bottom a first side, a second side, a front end, and a back end; a plurality of spacers arranged in rows or tiers; one or more mobile inspection devices for inspecting the cargo containers, wherein the one or more inspection devices are removeably disposed within the spacers, the inspection means configured to move through the spacers to detect radiation within the containers. The invented system can also be configured to inspect the cargo containers for a variety of other potentially hazardous materials including but not limited to explosive and chemical threats.

  20. Design of heavy lift cargo aircraft

    Data.gov (United States)

    National Aeronautics and Space Administration — This is the bird of the skies of the future. The heavy lift cargo aircraft which is currently being developed by me has twice the payload capacity of an Antonov...

  1. Characterizing X-ray Attenuation of Containerized Cargo

    Energy Technology Data Exchange (ETDEWEB)

    Birrer, N. [Lawrence Livermore National Lab. (LLNL), Livermore, CA (United States); Divin, C. [Lawrence Livermore National Lab. (LLNL), Livermore, CA (United States); Glenn, S. [Lawrence Livermore National Lab. (LLNL), Livermore, CA (United States); Martz, H. [Lawrence Livermore National Lab. (LLNL), Livermore, CA (United States); Wang, G. [Lawrence Livermore National Lab. (LLNL), Livermore, CA (United States)

    2016-08-02

    X-ray inspection systems can be used to detect radiological and nuclear threats in imported cargo. In order to better understand performance of these systems, the attenuation characteristics of imported cargo need to be determined. This project focused on developing image processing algorithms for segmenting cargo and using x-ray attenuation to quantify equivalent steel thickness to determine cargo density. These algorithms were applied to over 450 cargo radiographs. The results are summarized in this report.

  2. Chinese nuclear insurance and Chinese nuclear insurance pool

    International Nuclear Information System (INIS)

    Chinese Nuclear Insurance Started with Daya Bay Nuclear Power Station, PICC issued the insurance policy. Nuclear insurance cooperation between Chinese and international pool's organizations was set up in 1989. In 1996, the Chinese Nuclear Insurance Pool was prepared. The Chinese Nuclear Insurance Pool was approved by The Chinese Insurance Regulatory Committee in May of 1999. The principal aim is to centralize maximum the insurance capacity for nuclear insurance from local individual insurers and to strengthen the reinsurance relations with international insurance pools so as to provide the high quality insurance service for Chinese nuclear industry. The Member Company of Chinese Nuclear Pool and its roles are introduced in this article

  3. Indirect estimation of radioactivity in containerized cargo

    International Nuclear Information System (INIS)

    Naturally occurring radioactive material in containerized cargo challenges the state of the art in national and international efforts to detect illicit nuclear and radiological material in transported containers. Current systems are being evaluated and new systems envisioned to provide the high probability of detection necessary to thwart potential threats, combined with extremely low nuisance and false alarm rates necessary to maintain the flow of commerce impacted by the enormous volume of commodities imported in shipping containers. Maintaining flow of commerce also means that inspection must be rapid, requiring relatively non-intrusive, indirect measurements of cargo from outside containers to the extent possible. With increasing information content in such measurements, it is natural to ask how the information might be combined to improve detection. Toward this end, we present an approach to estimating isotopic activity of naturally occurring radioactive material in cargo grouped by commodity type, combining container manifest data with radiography and gamma-ray spectroscopy aligned to location along the container. The heart of this approach is our statistical model of gamma-ray counts within peak regions of interest, which captures the effects of background suppression, counting noise, convolution of neighboring cargo contributions, and down-scattered photons to provide estimates of counts due to decay of specific radioisotopes in cargo alone. Coupled to that model, we use a mechanistic model of self-attenuated radiation flux to estimate the isotopic activity within cargo, segmented by location within each container, that produces those counts. We test our approach by applying it to a set of measurements taken at the Port of Seattle in 2006. This approach to synthesizing disparate available data streams and extraction of cargo characteristics, while relying on several simplifying assumptions and approximations, holds the potential to support improvement of

  4. Research on probability distribution of port cargo throughput

    Institute of Scientific and Technical Information of China (English)

    SUN Liang; TAN De-rong

    2008-01-01

    In order to more accurately examine developing trends in gross cargo throughput, we have modeled the probability distribution of cargo throughput. Gross cargo throughput is determined by the time spent by cargo ships in the port and the operating efficiency of handling equipment. Gross cargo throughput is the sum of all compound variables determining each aspect of cargo throughput for every cargo ship arriving at the port. Probability distribution was determined using the Wald equation. The results show that the variability of gross cargo throughput primarily depends on the different times required by different cargo ships arriving at the port. This model overcomes the shortcoming of previous models: inability to accurately determine the probability of a specific value of future gross cargo throughput. Our proposed model of cargo throughput depends on the relationship between time required by a cargo ship arriving at the port and the operational capacity of handling equipment at the port. At the same time, key factors affecting gross cargo throughput are analyzed. In order to test the efficiency of the model, the cargo volume of a port in Shandong Province was used as an example. In the case study the actual results matched our theoretical analysis.

  5. 24 CFR 266.602 - Mortgage insurance premium: Insured advances.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage insurance premium: Insured... Contract Rights and Obligations Mortgage Insurance Premiums § 266.602 Mortgage insurance premium: Insured advances. (a) Initial premium. For projects involving insured advances, on the date of the initial...

  6. Understanding health insurance plans

    Science.gov (United States)

    ... medlineplus.gov/ency/patientinstructions/000879.htm Understanding health insurance plans To use the sharing features on this ... for you and your family. Types of Health Insurance Plans Depending on how you get your health ...

  7. Uncertainty Quantification for Cargo Hold Fires

    CERN Document Server

    DeGennaro, Anthony M; Martinelli, Luigi; Rowley, Clarence W

    2015-01-01

    The purpose of this study is twofold -- first, to introduce the application of high-order discontinuous Galerkin methods to buoyancy-driven cargo hold fire simulations, second, to explore statistical variation in the fluid dynamics of a cargo hold fire given parameterized uncertainty in the fire source location and temperature. Cargo hold fires represent a class of problems that require highly-accurate computational methods to simulate faithfully. Hence, we use an in-house discontinuous Galerkin code to treat these flows. Cargo hold fires also exhibit a large amount of uncertainty with respect to the boundary conditions. Thus, the second aim of this paper is to quantify the resulting uncertainty in the flow, using tools from the uncertainty quantification community to ensure that our efforts require a minimal number of simulations. We expect that the results of this study will provide statistical insight into the effects of fire location and temperature on cargo fires, and also assist in the optimization of f...

  8. Risks In Marine Insurance

    OpenAIRE

    Jelena Grdinic

    2008-01-01

    The author of this paper elaborates risks in marine insurance. Firstly, the author primarily specifies the concept, types and basic characteristics of risks, emphasizing specifics of marine risk in relation to general risks. The author particularly considers determination of risk according to our legal regulations and English Marine Insurance Act, as the most important act in this matter. Special attention is paid to insured risk according to the most recent standard conditions for insurance ...

  9. Credit risk insurance

    OpenAIRE

    Pospíšil, Marek

    2010-01-01

    Diploma thesis on the topic Credit risk insurance approximates the functioning of the security instrument on the commercial market for credit insurance and export markets. It maps the management process and describes the basic elements and principles of the trade credit insurance in detail. It also includes the evaluation of the commercial insurance in terms of benefits and shortcomings that this instrument represents. The following part describes the activity of the Export Guarantee and Insu...

  10. Insurance Contracts and Securitization

    OpenAIRE

    Doherty, Neil A.; Schlesinger, Harris

    2001-01-01

    High correlations between risks can increase required insurer capital and/orreduce the availability of insurance. For such insurance lines, securitizationis rapidly emerging as an alternative form of risk transfer. The ultimatesuccess of securitization in replacing or complementing traditional insuranceand reinsurance products depends on the ability of securitization to facilitateand/or be facilitated by insurance contracts. We consider how insuredlosses might be decomposed into separate comp...

  11. Rethinking Social Insurance

    OpenAIRE

    Martin Feldstein

    2005-01-01

    This paper begins by discussing the nature of and rationale for social insurance programs. I then consider three political principles and four economic principles that could guide the design and reform of social insurance programs. These ideas are then applied to unemployment insurance, Social Security pensions, health insurance and Medicare. A common theme is the advantage of incorporating investment based personal accounts in each of these programs.

  12. Multiple Peril Crop Insurance

    OpenAIRE

    Edwards, William M.; Hofstrand, Donald

    2003-01-01

    Multiple Peril Crop Insurance (MPCI) is a broad-based crop insurance program regulated by the U.S. Department of Agriculture and subsidized by the Federal Crop Insurance Corporation(FCIC). Crops eligible for MPCI coverage in Iowa include corn, sobyeans, oats, wheat, seed corn, popcorn, barley, potatoes, sweet corn, canning beans, dry beans, forages, grain sorghum, green peas, tomatoes, and nursery stocks. Not all of these crops can be insured in all counties.

  13. Characterizing Complexity of Containerized Cargo X-ray Images

    Energy Technology Data Exchange (ETDEWEB)

    Wang, Guangxing [Lawrence Livermore National Lab. (LLNL), Livermore, CA (United States); Martz, Harry [Lawrence Livermore National Lab. (LLNL), Livermore, CA (United States); Glenn, Steven [Lawrence Livermore National Lab. (LLNL), Livermore, CA (United States); Divin, Charles [Lawrence Livermore National Lab. (LLNL), Livermore, CA (United States); Birrer, Nat [Lawrence Livermore National Lab. (LLNL), Livermore, CA (United States)

    2016-08-19

    X-ray imaging can be used to inspect cargos imported into the United States. In order to better understand the performance of X-ray inspection systems, the X-ray characteristics (density, complexity) of cargo need to be quantified. In this project, an image complexity measure called integrated power spectral density (IPSD) was studied using both DNDO engineered cargos and stream-of-commerce (SOC) cargos. A joint distribution of cargo density and complexity was obtained. A support vector machine was used to classify the SOC cargos into four categories to estimate the relative fractions.

  14. Insurance Sector Risk

    NARCIS (Netherlands)

    J.F. Slijkerman

    2006-01-01

    textabstractWe model and measure simultaneous large losses of the market value of insurers to understand the impact of shocks on the insurance sector. The downside risk of insurers is explicitly modelled by common and idiosyncratic risk factors. Since reinsurance is important for the capacity of ins

  15. EVOLUTION OF INSURANCE DEFINITION

    Directory of Open Access Journals (Sweden)

    V. A. Gorb

    2011-03-01

    Full Text Available In the article the evolution of the concept of insurance from the earliest forms to contemporary ones is shown. The development of insurance in Ukraine is demonstrated. A review of transformation of the insurance concept is presented in tabular form.

  16. Farmers Insures Success

    Science.gov (United States)

    Freifeld, Lorri

    2012-01-01

    Farmers Insurance claims the No. 2 spot on the Training Top 125 with a forward-thinking training strategy linked to its primary mission: FarmersFuture 2020. It's not surprising an insurance company would have an insurance policy for the future. But Farmers takes that strategy one step further, setting its sights on 2020 with a far-reaching plan to…

  17. Fluctuation effects in bidirectional cargo transport

    CERN Document Server

    Klein, Sarah; Santen, Ludger

    2014-01-01

    We discuss a theoretical model for bidirectional cargo transport in biological cells, which is driven by teams of molecular motors and subject to thermal fluctuations. The model describes explicitly the directed motion of the molecular motors on the filament. The motor-cargo coupling is implemented via linear springs. By means of extensive Monte Carlo simulations we show that the model describes the experimentally observed regimes of anomalous diffusion, i.e. subdiffusive behavior at short times followed by superdiffusion at intermediate times. The model results indicate that subdiffuse regime is induced by thermal fluctuations while the superdiffusive motion is generated by correlations of the motors' activity. We also tested the efficiency of bidirectional cargo transport in crowded areas by measuring its ability to pass barriers with increased viscosity. Our results show a remarkable gain of efficiency for high viscosities.

  18. Public Insurance and Equality

    DEFF Research Database (Denmark)

    Landes, Xavier; Néron, Pierre-Yves

    2015-01-01

    surrounding public insurance as a redistributive tool, advancing the idea that public insurance may be a relational egalitarian tool. It then presents a number of relational arguments in favor of the involvement of the state in the provision of specific forms of insurance, arguments that have been overlooked......Public insurance is commonly assimilated with redistributive tools mobilized by the welfare state in the pursuit of an egalitarian ideal. This view contains some truth, since the result of insurance, at a given moment, is the redistribution of resources from the lucky to unlucky. However, Joseph...... Heath (among other political theorists) considers that the principle of efficiency provides a better normative explanation and justification of public insurance than the egalitarian account. According to this view, the fact that the state is involved in the provision of specific insurance (primarily...

  19. 49 CFR 172.448 - CARGO AIRCRAFT ONLY label.

    Science.gov (United States)

    2010-10-01

    ... 49 Transportation 2 2010-10-01 2010-10-01 false CARGO AIRCRAFT ONLY label. 172.448 Section 172.448... SECURITY PLANS Labeling § 172.448 CARGO AIRCRAFT ONLY label. (a) Except for size and color, the CARGO AIRCRAFT ONLY label must be as follows: ER14JA09.001 (b) The CARGO AIRCRAFT ONLY label must be black on...

  20. 33 CFR 157.23 - Cargo and ballast system information.

    Science.gov (United States)

    2010-07-01

    ... CARRYING OIL IN BULK Design, Equipment, and Installation § 157.23 Cargo and ballast system information. (a... automatic and manual operation of the cargo and ballast system in the vessel. (b) The format and information... 33 Navigation and Navigable Waters 2 2010-07-01 2010-07-01 false Cargo and ballast...

  1. 46 CFR 153.440 - Cargo temperature sensors.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 5 2010-10-01 2010-10-01 false Cargo temperature sensors. 153.440 Section 153.440 Shipping COAST GUARD, DEPARTMENT OF HOMELAND SECURITY (CONTINUED) CERTAIN BULK DANGEROUS CARGOES SHIPS... Temperature Control Systems § 153.440 Cargo temperature sensors. (a) Except as prescribed in paragraph (c)...

  2. 46 CFR 154.548 - Cargo piping: Flow capacity.

    Science.gov (United States)

    2010-10-01

    ... STANDARDS FOR SELF-PROPELLED VESSELS CARRYING BULK LIQUEFIED GASES Design, Construction and Equipment Cargo and Process Piping Systems § 154.548 Cargo piping: Flow capacity. Piping with an excess flow valve... 46 Shipping 5 2010-10-01 2010-10-01 false Cargo piping: Flow capacity. 154.548 Section...

  3. Membrane trafficking: licensing a cargo receptor for ER export.

    Science.gov (United States)

    Fromme, J Christopher

    2015-01-19

    Quality control in the endoplasmic reticulum prevents packaging of immature and misfolded proteins into vesicles, but the actual mechanisms involved in this process have not been defined for most cargos. A recent study demonstrates that the engagement of mature cargo with its receptor triggers the recruitment of a vesicle cargo adaptor. PMID:25602305

  4. 46 CFR 151.15-10 - Cargo gauging devices.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 5 2010-10-01 2010-10-01 false Cargo gauging devices. 151.15-10 Section 151.15-10... CARRYING BULK LIQUID HAZARDOUS MATERIAL CARGOES Tanks § 151.15-10 Cargo gauging devices. This section contains definitions and requirements for types of gauging devices specified in Table 151.05. (a)...

  5. 46 CFR 151.25-2 - Cargo handling space.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 5 2010-10-01 2010-10-01 false Cargo handling space. 151.25-2 Section 151.25-2 Shipping... BULK LIQUID HAZARDOUS MATERIAL CARGOES Environmental Control § 151.25-2 Cargo handling space. Pump rooms, compressor rooms, refrigeration rooms, heating rooms, instrument rooms or other closed...

  6. 46 CFR 151.50-5 - Cargoes having toxic properties.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 5 2010-10-01 2010-10-01 false Cargoes having toxic properties. 151.50-5 Section 151.50... BARGES CARRYING BULK LIQUID HAZARDOUS MATERIAL CARGOES Special Requirements § 151.50-5 Cargoes having... transporting liquids having a Reid vapor pressure exceeding 14 pounds per square inch absolute or vented at...

  7. 46 CFR 154.1844 - Cargo tanks: Filling limits.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 5 2010-10-01 2010-10-01 false Cargo tanks: Filling limits. 154.1844 Section 154.1844... STANDARDS FOR SELF-PROPELLED VESSELS CARRYING BULK LIQUEFIED GASES Operations § 154.1844 Cargo tanks... cargo tank is not loaded: (1) More than 98 percent liquid full; or (2) In excess of the...

  8. Molecular approach to intracellular cargo transport

    Science.gov (United States)

    Yildiz, Ahmet

    2010-03-01

    Landmark discoveries in the study of cytoplasmic motors have been made through advances in single molecule biophysics and detailed mechanistic models exist for kinesin and dynein. However, the function of motors in physiological conditions has not been carefully tested. In cells, more than few dyneins can attach to the same cargo and interact with the opposite polarity motors of kinesin. To study the molecular crosstalk between the motors, we have used intraflagellar transport (IFT) in Chlamydomonas reinhardtii as a model system. Ultrahigh spatio-temporal tracking of single cargo movement showed that IFT particles move for long distances unidirectionally with 8 nm increments, agreeing with measured step sizes of kinesin and dynein. To measure how many motors transport each cargo, we have linked large polystyrene beads to internal IFT particles through a transmembrane protein. Force measurements indicated that, on average, 3-4 motors transport cargoes in each direction. The results showed that IFT motors are tightly coordinated and might be involved in recycling each other to the appropriate end of the flagellum.

  9. 78 FR 68784 - Cargo Securing Manuals

    Science.gov (United States)

    2013-11-15

    ... regarding our public dockets in the January 17, 2008, issue of the Federal Register (73 FR 3316). D. Public... Practice for Cargo Stowage and Securing E.O. Executive Order FR Federal Register IMO International Maritime.... vessels or for foreign vessels operating in U.S. waters. In a notice (64 FR 1648; Jan. 11,...

  10. Assembly and Mechanical Properties of the Cargo-Free and Cargo-Loaded Bacterial Nanocompartment Encapsulin.

    Science.gov (United States)

    Snijder, Joost; Kononova, Olga; Barbu, Ioana M; Uetrecht, Charlotte; Rurup, W Frederik; Burnley, Rebecca J; Koay, Melissa S T; Cornelissen, Jeroen J L M; Roos, Wouter H; Barsegov, Valeri; Wuite, Gijs J L; Heck, Albert J R

    2016-08-01

    Prokaryotes mostly lack membranous compartments that are typical of eukaryotic cells, but instead, they have various protein-based organelles. These include bacterial microcompartments like the carboxysome and the virus-like nanocompartment encapsulin. Encapsulins have an adaptable mechanism for enzyme packaging, which makes it an attractive platform to carry a foreign protein cargo. Here we investigate the assembly pathways and mechanical properties of the cargo-free and cargo-loaded nanocompartments, using a combination of native mass spectrometry, atomic force microscopy and multiscale computational molecular modeling. We show that encapsulin dimers assemble into rigid single-enzyme bacterial containers. Moreover, we demonstrate that cargo encapsulation has a mechanical impact on the shell. The structural similarity of encapsulins to virus capsids is reflected in their mechanical properties. With these robust mechanical properties encapsulins provide a suitable platform for the development of nanotechnological applications. PMID:27355101

  11. Nuclear insurance fire risk

    International Nuclear Information System (INIS)

    Nuclear facilities operate under the constant risk that radioactive materials could be accidentally released off-site and cause injuries to people or damages to the property of others. Management of this nuclear risk, therefore, is very important to nuclear operators, financial stakeholders and the general public. Operators of these facilities normally retain a portion of this risk and transfer the remainder to others through an insurance mechanism. Since the nuclear loss exposure could be very high, insurers usually assess their risk first-hand by sending insurance engineers to conduct a nuclear insurance inspection. Because a serious fire can greatly increase the probability of an off-site release of radiation, fire safety should be included in the nuclear insurance inspection. This paper reviews essential elements of a facility's fire safety program as a key factor in underwriting nuclear third-party liability insurance. (author)

  12. Discharging Part of LNG Liquid Cargo Handling Simulator

    Directory of Open Access Journals (Sweden)

    Zhen-Zhou Yang

    2013-09-01

    Full Text Available With the development of the national economy, it is important to develop LNG (Liquefied Natural Gas liquid cargo handling simulator. In this paper, the discharging part of Liquid Cargo Handling Simulator of LNG Carriers is developed by Visual Basic. The system includes 5 major forms and 3 mathematical models such as cargo pump model, the pressure and temperature model of the LNG vapour in the cargo tank and the liquid level model. The system can complete the unloading task. The system has become a preliminary model of LNG liquid cargo handlings simulator training.

  13. Insurance flood maps

    International Nuclear Information System (INIS)

    Dear Client, in half an hour you will be hit by a flood, please get ready. Your insurance company. Such a phone call or SMS could only mean two things: drunk friends or an insurance company using a flood map. In the second case, the best thing to do on receiving such a message is to act quickly. The advantage of flood maps do not necessarily have to start at the moment a flood becomes an immediate threat. The primary role of flood maps is to allow for a fairer calculation of insurance rates. Insurance companies can save on re-insurance costs as if the risk level is predictable re-insurance companies may offer better rates. The three largest insurance companies: Allianz - Slovenska poistovna, Kooperativa and Ceska poistovna Slovensko have begun introducing flood maps. These three companies control about 75% of the market. And if competition does not force other market participants to adopt the same approach, re-insurance companies certainly will. They will charge more for a less specifically defined risk level. So far insurance companies have not encountered this pressure, re-insurance companies are helping them set up the flood maps and in the coming years flood maps will become a common tool. Then the pressure will be there: if a insurance company uses a different calculation method, the final price may differ greatly from the competition's. If the price is higher, the company will lose clients and if the price is much lower, the risk has probably not been calculated correctly and the insurance company may suffer substantial losses in the event of a major flood. In short, the investment of several million Sk in a flood map is essential

  14. Active social insurance

    OpenAIRE

    Røed, Knut

    2012-01-01

    The paper argues that a comprehensive activation strategy is called for - in both unemployment and disability insurance - to minimize the conflict between income insurance and work incentives and to prevent the economic crisis from causing a long-lasting decline in labor force participation. A review of recent empirical evidence, particularly from the Scandinavian countries, indicates that 'mild' activation requirements effectively counteract moral hazard problems in social insurance. The pap...

  15. Health and disability insurance

    OpenAIRE

    Börsch-Supan, Axel

    2011-01-01

    "Disability insurance - the insurance against the loss of the ability to work - is a substantial part of social security expenditures in many countries. The benefit recipiency rates in disability insurance vary strikingly across European countries and the US. This paper investigates the extent of, and the causes for, this variation, using econometric analyses based on new data from SHARE, ELSA and HRS. We show that even after controlling for differences in the demographic structure and health...

  16. Theory of health insurance.

    Science.gov (United States)

    Nyman, J A

    1998-01-01

    The conventional explanation for purchasing insurance is to transfer risk. Psychologists, however, have shown that this explanation does not match actual behavior. They find that people generally prefer the risk of no loss at all to the certainty of a smaller actuarially equivalent loss, a situation exactly opposite to the one represented by the purchase of insurance. Nevertheless, people do purchase insurance, so there must be an explanation other than risk transfer for purchasing it. Of the explanations so far advanced, however, none have yet developed a wide acceptance. Regardless of risk issues, people will be more likely to purchase insurance when the premium is low compared to the value of the coverage to the consumer. Moral hazard raises the premium, as does adverse selection. The presence of either makes the purchase of insurance less likely. With health insurance, the tax subsidy can reduce the effective premium to less than the actuarially fair cost of insurance. This would increase the likelihood that health insurance is purchased. Finally, because of the value we place on our health, we desire access to a full range of health care. Health insurance is often the only affordable way of gaining access to this care, given the high costs of many of these procedures. PMID:10185500

  17. Taxes and Health Insurance

    OpenAIRE

    Jonathan Gruber

    2001-01-01

    A common prescription for reducing the number of uninsured is to increase the tax subsidization of health insurance in the U.S. Yet, we already provide over $100 billion per year in tax subsidies to health insurance. This paper provides an assessment of the past and potential impacts of taxation on health insurance coverage and costs. I begin by reviewing the central facts on health insurance and taxation. I then provide a framework for assessing the impacts of tax policies on health insuranc...

  18. Aviation System Analysis Capability Air Carrier Investment Model-Cargo

    Science.gov (United States)

    Johnson, Jesse; Santmire, Tara

    1999-01-01

    The purpose of the Aviation System Analysis Capability (ASAC) Air Cargo Investment Model-Cargo (ACIMC), is to examine the economic effects of technology investment on the air cargo market, particularly the market for new cargo aircraft. To do so, we have built an econometrically based model designed to operate like the ACIM. Two main drivers account for virtually all of the demand: the growth rate of the Gross Domestic Product (GDP) and changes in the fare yield (which is a proxy of the price charged or fare). These differences arise from a combination of the nature of air cargo demand and the peculiarities of the air cargo market. The net effect of these two factors are that sales of new cargo aircraft are much less sensitive to either increases in GDP or changes in the costs of labor, capital, fuel, materials, and energy associated with the production of new cargo aircraft than the sales of new passenger aircraft. This in conjunction with the relatively small size of the cargo aircraft market means technology improvements to the cargo aircraft will do relatively very little to spur increased sales of new cargo aircraft.

  19. Premium differentiation in social insurance

    NARCIS (Netherlands)

    P. Besseling; A.L. Bovenberg (Lans); R.A. de Mooij (Ruud)

    1998-01-01

    textabstractPremium differentiation in disability insurance encourages employers to improve working conditions in order to combat disability. Furthermore, by introducing competition in disability insurance, the implementation and administration of the insurance becomes more efficient. This advantage

  20. Photoactivated colloidal dockers for cargo transportation.

    Science.gov (United States)

    Palacci, Jérémie; Sacanna, Stefano; Vatchinsky, Adrian; Chaikin, Paul M; Pine, David J

    2013-10-30

    We introduce a self-propelled colloidal hematite docker that can be steered to a small particle cargo many times its size, dock, transport the cargo to a remote location, and then release it. The self-propulsion and docking are reversible and activated by visible light. The docker can be steered either by a weak uniform magnetic field or by nanoscale tracks in a textured substrate. The light-activated motion and docking originate from osmotic/phoretic particle transport in a concentration gradient of fuel, hydrogen peroxide, induced by the photocatalytic activity of the hematite. The docking mechanism is versatile and can be applied to various materials and shapes. The hematite dockers are simple single-component particles and are synthesized in bulk quantities. This system opens up new possibilities for designing complex micrometer-size factories as well as new biomimetic systems. PMID:24131488

  1. Private Health Insurance in Canada

    OpenAIRE

    Jeremiah Hurley; Emmanuel Guindon

    2008-01-01

    Although a majority of Canadians hold some form of private health care insurance -- most commonly obtained as an employment benefit -- private insurance finances only 12% of health care expenditures in Canada and its financing role is essentially limited to complementary coverage for services not covered by public insurance programs. Private supplementary insurance for services covered by the public insurance system does not exist in Canada. This limited role for private insurance in health c...

  2. Profitability of Title Insurance Companies

    OpenAIRE

    Edwin H. Duett; Robert A. Hershbarger

    1992-01-01

    The research in this paper examines the profitability of title insurance companies in relationship to property/casualty, life/health insurance and non-insurance firms. A series of four profitability measures which have previously been tested in prior literature have been used to determine if title insurance companies are more or less profitable than the other types of insurance companies and non-insurance firms.

  3. Risk Management in Insurance Companies

    OpenAIRE

    Yang, Xufeng

    2006-01-01

    Insurance is the uncertain business in uncertain society. Today, insures face more complex and difficult risks. Efficient risk management mechanisms are essential for the insurers. The paper is set out initially to explore UK insurance companies risk management and risk disclosure by examining companies annual report after all the listed insurance companies are required to disclose risk information in their annual report, which seeks to reflect the recent development in UK insurance companies...

  4. Detection of Neutron Sources in Cargo Containers

    OpenAIRE

    Katz, J. I.

    2007-01-01

    We investigate the problem of detecting the presence of clandestine neutron sources, such as would be produced by nuclear weapons containing plutonium, within cargo containers. Small, simple and economical semiconductor photodiode detectors affixed to the outsides of containers are capable of producing statistically robust detections of unshielded sources when their output is integrated over the durations of ocean voyages. It is possible to shield such sources with thick layers of neutron-abs...

  5. Uninsured vs. insured population

    DEFF Research Database (Denmark)

    Andersen, Z. J.; Lin, Chyongchiou J; Chang, Chung-Chou H

    2003-01-01

    This study identified the underlying demographic and socioeconomic factors associated with insurance status among nonelderly Americans (age 19-64), as well as compared health care utilization between insured and uninsured. Data from the Community Tracking Study 1996-1997 Household Survey were ana...

  6. Nuclear energy and insurance

    International Nuclear Information System (INIS)

    It was the risk of contamination of ships from the Pacific atmospheric atomic bomb tests in the 1940's that seems first to have set insurers thinking that a limited amount of cover would be a practical possibility if not a commercially-attractive proposition. One Chapter of this book traces the early, hesitant steps towards the evolution of ''nuclear insurance'', as it is usually called; a term of convenience rather than exactitude because it seems to suggest an entirely new branch of insurance with a status of its own like that of Marine, Life or Motor insurance. Insurance in the field of nuclear energy is more correctly regarded as the application of the usual, well-established forms of cover to unusual kinds of industrial plant, materials and liabilities, characterised by the peculiar dangers of radioactivity which have no parallel among the common hazards of industry and commerce. It had, and still has, the feature that individual insurance underwriters are none too keen to look upon nuclear risks as a potential source of good business and profit. Only by joining together in Syndicates or Pools have the members of the national insurance markets been able to make proper provision for nuclear risks; only by close international collaboration among the national Pools have the insurers of the world been able to assemble adequate capacity - though still, even after thirty years, not sufficient to provide complete coverage for a large nuclear installation. (author)

  7. Social health insurance

    CERN Document Server

    International Labour Office. Geneva

    1997-01-01

    This manual provides an overview of social health insurance schemes and looks at the development of health care policies and feasibility issues. It also examines the design of health insurance schemes, health care benefits, financing and costs and considers the operational and strategic information requirements.

  8. Design of a spanloader cargo aircraft

    Science.gov (United States)

    1989-01-01

    With a growing demand for fast international freight service, the slow-moving cargo ships currently in use will soon find a substantial portion of their clients looking elsewhere. One candidate for filling this expected gap in the freight market is a span-loading aircraft (or 'flying wing') capable of long-range operation with extremely large payloads. This report summarizes the design features of an aircraft capable of fulfilling a long-haul, high-capacity cargo mission. The spanloader seeks to gain advantage over conventional aircraft by eliminating the aircraft fuselage and thus reducing empty weight. The primary disadvantage of this configuration is that the cargo-containing wing tends to be thick, thus posing a challenge to the airfoil designer. It also suffers from stability and control problems not encountered by conventional aircraft. The result is an interesting, challenging exercise in unconventional design. The report that follows is a student written synopsis of an effort judged to be the best of eight designs developed during the year 1988-1989.

  9. Health insurance for "frontaliers"

    CERN Multimedia

    2013-01-01

    The French government has decided that, with effect from 1 June 2014, persons resident in France but working in Switzerland (hereinafter referred to as “frontaliers”) will no longer be entitled to opt for private French health insurance provision as their sole and principal health insurance.   The right of choice, which was granted by the Bilateral Agreement on the Free Movement of Persons between Switzerland and the European Union and which came into force on 1 June 2002, exempts “frontaliers” from the obligation to become a member of Switzerland’s compulsory health insurance scheme (LAMal) if they can prove that they have equivalent coverage in France, provided by either the French social security system (CMU) or a private French insurance provider. As the latter option of private health insurance as an alternative to membership of LAMal will be revoked under the new French legislation that will come into force on 1 June 2014, current “...

  10. Travel insurance and health.

    Science.gov (United States)

    Leggat, P A; Carne, J; Kedjarune, U

    1999-12-01

    Travel insurance normally underwrites travel, medical, and dental expenses incurred by travelers abroad and arranges aeromedical evacuation of travelers under conditions specified by the travel insurance policy. Because of the costs of medical and dental treatment abroad and the high cost associated with aeromedical evacuation, all travelers should be advised of the need for comprehensive travel insurance and be advised to read their policies carefully to see what is covered and to check for any exclusions. In particular, those travelers who have known preexisting conditions, who are working overseas, or who are going to undertake any form of hazardous recreational pursuit may need to obtain a special travel insurance policy, which may attract a higher premium. Conservatively, it is estimated that between 30-50% of travelers become ill or injured whilst traveling. Relative estimated monthly incidence rates of various health problems have been compiled elsewhere. The risk of severe injury is thought to be greater for people when traveling abroad. These risks should be covered by travel insurance to protect the traveler, however it is not known what proportion of travel agents or airlines give advice routinely on travel insurance. Travel insurance is the most important safety net for travelers in the event of misadventure, and should be reinforced by travel health advisers. Although only 4% of general practitioners (GPs) in a late 1980's study in the United Kingdom would advise a traveler going to Turkey about travel insurance,4 more recent studies have shown about 60% of GPs in New Zealand and 39% of travel clinics worldwide usually advised travelers concerning travel insurance. In addition, 54% of GPs in New Zealand usually also advised travelers about finding medical assistance abroad, but only 19% of GPs recommended travel insurance companies as a source of medical assistance while traveling. PMID:10575173

  11. Health insurance basic actuarial models

    CERN Document Server

    Pitacco, Ermanno

    2014-01-01

    Health Insurance aims at filling a gap in actuarial literature, attempting to solve the frequent misunderstanding in regards to both the purpose and the contents of health insurance products (and ‘protection products’, more generally) on the one hand, and the relevant actuarial structures on the other. In order to cover the basic principles regarding health insurance techniques, the first few chapters in this book are mainly devoted to the need for health insurance and a description of insurance products in this area (sickness insurance, accident insurance, critical illness covers, income protection, long-term care insurance, health-related benefits as riders to life insurance policies). An introduction to general actuarial and risk-management issues follows. Basic actuarial models are presented for sickness insurance and income protection (i.e. disability annuities). Several numerical examples help the reader understand the main features of pricing and reserving in the health insurance area. A short int...

  12. Life Insurance. Variable Universal-Life Insurance

    OpenAIRE

    Smith, Mike; Hayhoe, Celia Ray

    2009-01-01

    The term "variable" simply refers to "different investment options." Variable universal-life insurance allows the policy-owner to choose how the cash value is invested. Some variable policies have up to 50 different "sub-accounts" from which to choose.

  13. Individual insurance: health insurers try to tap potential market growth.

    Science.gov (United States)

    November, Elizabeth A; Cohen, Genna R; Ginsburg, Paul B; Quinn, Brian C

    2009-11-01

    Individual insurance is the only source of health coverage for people without access to employer-sponsored insurance or public insurance. Individual insurance traditionally has been sought by older, sicker individuals who perceive the need for insurance more than younger, healthier people. The attraction of a sicker population to the individual market creates adverse selection, leading insurers to employ medical underwriting--which most states allow--to either avoid those with the greatest health needs or set premiums more reflective of their expected medical use. Recently, however, several factors have prompted insurers to recognize the growth potential of the individual market: a declining proportion of people with employer-sponsored insurance, a sizeable population of younger, healthier people forgoing insurance, and the likelihood that many people receiving subsidies to buy insurance under proposed health insurance reforms would buy individual coverage. Insurers are pursuing several strategies to expand their presence in the individual insurance market, including entering less-regulated markets, developing lower-cost, less-comprehensive products targeting younger, healthy consumers, and attracting consumers through the Internet and other new distribution channels, according to a new study by the Center for Studying Health System Change (HSC). Insurers' strategies in the individual insurance market are unlikely to meet the needs of less-than-healthy people seeking affordable, comprehensive coverage. Congressional health reform proposals, which envision a larger role for the individual market under a sharply different regulatory framework, would likely supersede insurers' current individual market strategies. PMID:19899193

  14. Insuring against health shocks: Health insurance and household choices.

    Science.gov (United States)

    Liu, Kai

    2016-03-01

    This paper provides empirical evidence on the role of public health insurance in mitigating adverse outcomes associated with health shocks. Exploiting the rollout of a universal health insurance program in rural China, I find that total household income and consumption are fully insured against health shocks even without access to health insurance. Household labor supply is an important insurance mechanism against health shocks. Access to health insurance helps households to maintain investment in children's human capital during negative health shocks, which suggests that one benefit of health insurance could arise from reducing the use of costly smoothing mechanisms. PMID:26836108

  15. Consumers’ Collision Insurance Decisions

    DEFF Research Database (Denmark)

    Austin, Laurel; Fischhoff, Baruch

    ), which refines EU theory to incorporate income and predicts that property insurance is a normal good; (b) a mental accounting model based on the idea that consumers budget their income across consumption categories (Thaler, 1985); and (c) the baseline, classic EU theory, which predicts that insurance...... is an inferior good (Mossin, 1968). The behaviour reported by subjects in our study suggests that insurance is a normal good, while their verbal reports reveal desires to balance two conflicting goals in deductible decisions, keeping premiums “affordable” and keeping deductibles “affordable,” which suggests...

  16. Particularity of Selling Insurance for Romanian Insurance Companies

    OpenAIRE

    Gavriletea Marius

    2008-01-01

    It is already known that marketing has a very important role for the success of each type business. Insurance sector is an industry with continuously modification towards insured risks, exclusions and quotations. The competition in the Romanian insurance industry is a really tough one, and the insurance companies that will adopt better marketing strategies will be successful and profitable ones. As a part of marketing field, distribution channels in insurance grew in importance in the last de...

  17. Cargo transportation by two species of motor protein

    CERN Document Server

    Zhang, Yunxin

    2012-01-01

    The cargo motion in living cells transported by two species of motor protein with different intrinsic directionality is discussed in this study. Similar to single motor movement, cargo steps forward and backward along microtubule stochastically. Recent experiments found that, cargo transportation by two motor species has a memory, it does not change its direction as frequently as expected, which means that its forward and backward step rates depends on its previous motion trajectory. By assuming cargo has only the least memory, i.e. its step direction depends only on the direction of its last step, two cases of cargo motion are detailed analyzed in this study: {\\bf (I)} cargo motion under constant external load; and {\\bf (II)} cargo motion in one fixed optical trap. Due to the existence of memory, for the first case, cargo can keep moving in the same direction for a long distance. For the second case, the cargo will oscillate in the trap. The oscillation period decreases and the oscillation amplitude increase...

  18. Is Lineup Cause in Insurance Policy an Inconsistent Point or Not?%保单上有排除条款算不算不符点?

    Institute of Scientific and Technical Information of China (English)

    刘楠

    2005-01-01

    @@ 开证行 A的拒付与寄单行B的的驳 信用征要求:INSURANCE POLICY/CERTIFICATE ISSUED AND SIGNED BY INSURANCE COMPANY FOR 110% OF INVOICE VALUE,BLANK ENDORSED, COVERING INSTITUTE CARGO CLAUSE (A),INSTITUTE STRIKES CLAUSE, INSITUTE WAR CLAUSES, WAREHOUSE TO WAREHOUSE CLAUSE AND WITH CLAIMS PAYABLE AT DESTINATION IN CURRENCY OF THIS CREDIT.

  19. Insurance Risks – Hedging Techniques

    OpenAIRE

    Botea Elena Mihaela; Sahlian Daniela Nicoleta; Stanila Oana Georgiana

    2011-01-01

    Insurance companies by their specific activity and by the variety of operations are exposed to a multitude of risks. We can say that the risk is the basic condition of the insurance. If there were no risks, there would be no insurance. Therefore, risk insurance is a specific element, being subject to any insurance contract. Seeking a definition for risk, one can say that “risk is a danger, a threat faced by goods, people, businesses and insurance companies may provide”. The insurance companie...

  20. STRATEGIC MANAGEMENT OF TRANSPORT CARGO COMPLEX

    Directory of Open Access Journals (Sweden)

    A. M. Okorokov

    2014-06-01

    Full Text Available Purpose. Making the qualitative administrative decisions defining strategy and tactics of transport cargo complexes development, and also its subsystems, is possible only in the presence of flexible optimization model. This model has to consider multiparametricity and multicriteriality of the given task, uncertainty and vagueness of input information, and also to provide process automation of searching the best parameters of the given production facility. The purpose of the research is to develop procedures for the strategic management of complex with view of the most important factors and their stochastic nature, which will execute the improvement of technical equipment of TCC. Methodology. The problem of strategic management is based on solving the complex of issues of the optimal number of shunting locomotives, optimal processing capability of handling the front and rational capacity of warehouses. The problem is solved on the basis of the proposed optimality criterion – the specific set of profit per unit of capital assets of freight industry. The listed problems are solved using simulation modeling of the freight industry. Findings. The use of developed procedure allows one to improve the technical equipment of the freight stations and complexes. Originality. For the first time it was developed the procedure of strategic management of development. This procedure allows taking into account the probabilistic nature of demand for services of transport freight complexes and technological processes of client services on the complex stations. The proposed procedure can be applied during when planning the investments in the creation of transport freight complexes. Practical value. Use as a basic tool of simulation models of complex cargo operation allows estimating the effectiveness of the capital investments, the level of operating costs, as well as the quality of meeting the demands of potential customers in transportations at the stage of

  1. HUD Insured Multifamily Properties

    Data.gov (United States)

    Department of Housing and Urban Development — The FHA insured Multifamily Housing portfolio consist primarily of rental housing properties with five or more dwelling units such as apartments or town houses, but...

  2. Captive insurance companies.

    Science.gov (United States)

    Strauss, Peter

    2014-01-01

    The landscape of the business world is changing; and now, more than ever, business owners are recognizing that life is filled with risks: known risk, calculated risk, and unexpected risk. Every day, businesses thrive or fail based on understanding the risk of owning and operating their business, and business owners are recognizing that there are alternative risk financing mechanisms other than simply taking out a basket of standard coverage as recommended by your friendly neighborhood agent. A captive insurance company is an insurance company established to provide a broad range of risk management capabilities to affiliated companies. The captive is owned by the business owner and can provide insurance to the business for potential future losses, whether or not the losses are already covered by a commercial carrier or are "self-insured." The premiums paid by your business are tax deductible. Meanwhile, the premiums that your captive collects are tax-free up to $1.2 million annually.

  3. Group life insurance

    CERN Document Server

    2013-01-01

    The CERN Administration wishes to inform staff members and fellows having taken out optional life insurance under the group contract signed by CERN that the following changes to the rules and regulations entered into force on 1 January 2013:   The maximum age for an active member has been extended from 65 to 67 years. The beneficiary clause now allows insured persons to designate one or more persons of their choice to be their beneficiary(-ies), either at the time of taking out the insurance or at a later date, in which case the membership/modification form must be updated accordingly. Beneficiaries must be clearly identified (name, first name, date of birth, address).   The membership/modification form is available on the FP website: http://fp.web.cern.ch/helvetia-life-insurance For further information, please contact: Valentina Clavel (Tel. 73904) Peggy Pithioud (Tel. 72736)

  4. HUD Insured Hospitals

    Data.gov (United States)

    Department of Housing and Urban Development — The Office of Healthcare Programs (OHP), previously known as the Office of Insured Health Care Facilities, is located within the Office of Housing and administers...

  5. Computer Crime and Insurance.

    Science.gov (United States)

    Beaudoin, Ralph H.

    1985-01-01

    The susceptibility of colleges and universities to computer crime is great. While insurance coverage is available to cover the risks, an aggressive loss-prevention program is the wisest approach to limiting the exposures presented by computer technology. (MLW)

  6. NLS cargo transfer vehicle propulsion system

    Science.gov (United States)

    Hearn, Hank C.; Langford, G. K.

    1992-02-01

    The propulsion system of the Cargo Transfer Vehicle is designed to meet a wide range of requirements associated with the National Launch System (NLS) resupply function for Space Station Freedom. It provides both orbit adjustment and precise vehicle control capability, and is compatible with close proximity operation at the space station as well as return on the shuttle for ground refurbishment and reuse. Preliminary trade studies have resulted in designing and sizing an integrated bipropellant system using monomethyl hydrazine and nitrogen tetroxide. Design and analysis activities are continuing, and the design will evolve and mature as part of the NLS program.

  7. Transportation of nanoscale cargoes by myosin propelled actin filaments.

    Directory of Open Access Journals (Sweden)

    Malin Persson

    Full Text Available Myosin II propelled actin filaments move ten times faster than kinesin driven microtubules and are thus attractive candidates as cargo-transporting shuttles in motor driven lab-on-a-chip devices. In addition, actomyosin-based transportation of nanoparticles is useful in various fundamental studies. However, it is poorly understood how actomyosin function is affected by different number of nanoscale cargoes, by cargo size, and by the mode of cargo-attachment to the actin filament. This is studied here using biotin/fluorophores, streptavidin, streptavidin-coated quantum dots, and liposomes as model cargoes attached to monomers along the actin filaments ("side-attached" or to the trailing filament end via the plus end capping protein CapZ. Long-distance transportation (>100 µm could be seen for all cargoes independently of attachment mode but the fraction of motile filaments decreased with increasing number of side-attached cargoes, a reduction that occurred within a range of 10-50 streptavidin molecules, 1-10 quantum dots or with just 1 liposome. However, as observed by monitoring these motile filaments with the attached cargo, the velocity was little affected. This also applied for end-attached cargoes where the attachment was mediated by CapZ. The results with side-attached cargoes argue against certain models for chemomechanical energy transduction in actomyosin and give important insights of relevance for effective exploitation of actomyosin-based cargo-transportation in molecular diagnostics and other nanotechnological applications. The attachment of quantum dots via CapZ, without appreciable modulation of actomyosin function, is useful in fundamental studies as exemplified here by tracking with nanometer accuracy.

  8. 33 CFR 155.775 - Maximum cargo level of oil.

    Science.gov (United States)

    2010-07-01

    ... 33 Navigation and Navigable Waters 2 2010-07-01 2010-07-01 false Maximum cargo level of oil. 155.775 Section 155.775 Navigation and Navigable Waters COAST GUARD, DEPARTMENT OF HOMELAND SECURITY... Personnel, Procedures, Equipment, and Records § 155.775 Maximum cargo level of oil. (a) For the purposes...

  9. 29 CFR 1917.14 - Stacking of cargo and pallets.

    Science.gov (United States)

    2010-07-01

    ... 29 Labor 7 2010-07-01 2010-07-01 false Stacking of cargo and pallets. 1917.14 Section 1917.14 Labor Regulations Relating to Labor (Continued) OCCUPATIONAL SAFETY AND HEALTH ADMINISTRATION... pallets. Cargo, pallets and other material stored in tiers shall be stacked in such a manner as to...

  10. 46 CFR 154.195 - Aluminum cargo tank: Steel enclosure.

    Science.gov (United States)

    2010-10-01

    ... published in “Rules for Building and Classing Steel Vessels”, 1981. (c) The steel cover for the aluminum... 46 Shipping 5 2010-10-01 2010-10-01 false Aluminum cargo tank: Steel enclosure. 154.195 Section... CARGOES SAFETY STANDARDS FOR SELF-PROPELLED VESSELS CARRYING BULK LIQUEFIED GASES Design, Construction...

  11. 49 CFR 180.405 - Qualification of cargo tanks.

    Science.gov (United States)

    2010-10-01

    ... thereof. Editorial Note: For Federal Register citations affecting § 180.405, see the List of CFR Sections... 49 Transportation 2 2010-10-01 2010-10-01 false Qualification of cargo tanks. 180.405 Section 180... QUALIFICATION AND MAINTENANCE OF PACKAGINGS Qualification and Maintenance of Cargo Tanks § 180.405...

  12. Serbian insurance market: Select issues

    Directory of Open Access Journals (Sweden)

    Obadović Mirjana M.

    2010-01-01

    Full Text Available Every day insurance companies face a number of risks arising from the insurance industry itself, as well as risks arising from insurance company operations. In this constant fight against risks insurance companies use different models and methods that help them better understand, have a more comprehensive view of, and develop greater tolerance towards risks, in order to reduce their exposure to these risks. The model presented in this paper has been developed for implementation in insurance risk management directly related to insurance company risk, i.e. it is a model that can reliably determine the manner and intensity with which deviations in the initial insurance risk assessment affect insurance company operations, in the form of changes in operational risks and consequently in insurance companies’ business strategies. Additionally we present the implementation of the model in the Serbian market for the period 2005-2010.

  13. Dental insurance! Are we ready?

    Science.gov (United States)

    Toor, Ravi S S; Jindal, R

    2011-01-01

    Dental insurance is insurance designed to pay the costs associated with dental care. The Foreign Direct Investment (FDI) bill which was put forward in the winter session of the Lok Sabha (2008) focused on increasing the foreign investment share from the existing 26% to 49% in the insurance companies of India. This will allow the multibillion dollar international insurance companies to enter the Indian market and subsequently cover all aspects of insurance in India. Dental insurance will be an integral a part of this system. Dental insurance is a new concept in Southeast Asia as very few countries in Southeast Asia cover this aspect of insurance. It is important that the dentists in India should be acquainted with the different types of plans these companies are going to offer and about a new relationship which is going to emerge in the coming years between dentist, patient and the insurance company.

  14. Dental insurance! Are we ready?

    Directory of Open Access Journals (Sweden)

    Ravi SS Toor

    2011-01-01

    Full Text Available Dental insurance is insurance designed to pay the costs associated with dental care. The Foreign Direct Investment (FDI bill which was put forward in the winter session of the Lok Sabha (2008 focused on increasing the foreign investment share from the existing 26% to 49% in the insurance companies of India. This will allow the multibillion dollar international insurance companies to enter the Indian market and subsequently cover all aspects of insurance in India. Dental insurance will be an integral a part of this system. Dental insurance is a new concept in Southeast Asia as very few countries in Southeast Asia cover this aspect of insurance. It is important that the dentists in India should be acquainted with the different types of plans these companies are going to offer and about a new relationship which is going to emerge in the coming years between dentist, patient and the insurance company.

  15. Environmental control of microtubule-based bidirectional cargo-transport

    CERN Document Server

    Klein, Sarah; Santen, Ludger

    2014-01-01

    Inside cells, various cargos are transported by teams of molecular motors. Intriguingly, the motors involved generally have opposite pulling directions, and the resulting cargo dynamics is a biased stochastic motion. It is an open question how the cell can control this bias. Here we develop a model which takes explicitly into account the elastic coupling of the cargo with each motor. We show that bias can be simply controlled or even reversed in a counterintuitive manner via a change in the external force exerted on the cargo or a variation of the ATP binding rate to motors. Furthermore, the superdiffusive behavior found at short time scales indicates the emergence of motor cooperation induced by cargo-mediated coupling.

  16. Determinants of Operational Efficiency at Chemical Cargo Terminals

    Directory of Open Access Journals (Sweden)

    T.A. Gúlcan

    2014-06-01

    Full Text Available In today’s globalized world, one of the requirements of global supply chains is efficient transportation systems. Approximately 80 per cent of world merchandise trade carried by sea and handled by ports worldwide. For this reason, maritime transport has the strategic economic importance. Loading of oil and gas has the biggest share (%30 in commodities carried by sea and 2.9 billion tons oil and gas loaded to ship in 2013. This study is focus on chemical cargo terminals which is a special terminal form where high and international levels of safety and quality elements applied. Unlike conventional bulk cargo and container cargo operations, chemical cargo operations include own priorities, applications, and the evaluation criteria. The aim of this study is to perform a qualitative research to determine the factors affecting the operational efficiency of ship, berth and warehousing operations in chemical cargo terminals.

  17. Group Life Insurance

    CERN Document Server

    2013-01-01

    The CERN Administration would like to remind you that staff members and fellows have the possibility to take out a life insurance contract on favourable terms through a Group Life Insurance.   This insurance is provided by the company Helvetia and is available to you on a voluntary basis. The premium, which varies depending on the age and gender of the person insured, is calculated on the basis of the amount of the death benefit chosen by the staff member/fellow and can be purchased in slices of 10,000 CHF.    The contract normally ends at the retirement age (65/67 years) or when the staff member/fellow leaves the Organization. The premium is deducted monthly from the payroll.   Upon retirement, the staff member can opt to maintain his membership under certain conditions.   More information about Group Life Insurance can be found at: Regulations (in French) Table of premiums The Pension Fund Benefit Service &...

  18. ENDOWMENT LIFE INSURANCE

    Directory of Open Access Journals (Sweden)

    Zeljko Sain

    2013-06-01

    Full Text Available The aim of the paper that treats the actuarial model of insurance in case of survival or early death is to show the actuarial methods and methodology for creating a model and an appropriate number of sub-models of the most popular form of life insurance in the world. The paper applies the scientific methodology of the deductive character based on scientific, theoretical knowledge and practical realities. Following the basic theoretical model’s determinants, which are at the beginning of the paper, the basic difference between models further in this paper was carried out according to the character of the premium to be paid. Finally, the financial repercussions of some models are presented at examples in insurance companies. The result of this paper is to show the spectrum of possible forms of capital endowment insurance which can be, without major problems, depending on the financial policy of the company, applied in actual practice. The conclusion of this paper shows the theoretical and the practical reality of this model, life insurance, and its quantitative and qualitative guidelines.

  19. Fatalities to occupants of cargo areas of pickup trucks.

    Science.gov (United States)

    Anderson, C L; Agran, P F; Winn, D G; Greenland, S

    2000-07-01

    We sought to describe the fatalities to occupants of pickup truck cargo areas and to compare the mortality of cargo area occupants to passengers in the cab. From the Fatality Analysis Reporting System (FARS) files for 1987-1996, we identified occupants of pickup trucks with at least one fatality and at least one passenger in the cargo area. Outcomes of cargo area occupants and passengers in the cab were compared using estimating equations conditional on the crash and vehicle. Thirty-four percent of deaths to cargo occupants were in noncrash events without vehicle deformation. Fifty-five percent of those who died were age 15-29 years and 79% were male. The fatality risk ratio (FRR) comparing cargo area occupants to front seat occupants was 3.0 (95% Confidence Interval [CI] = 2.7-3.4). The risk was 7.9 (95% CI = 6.2-10.1) times that of restrained front seat occupants. The FRR ranged from 92 (95% CI = 47-179) in noncrash events to 1.7 (95% CI = 1.5-1.9) in crashes with severe vehicle deformation. The FRR was 1.8 (95% CI = 1.4-2.3) for occupants of enclosed cargo areas and 3.5 (95% CI = 3.1-4.0) for occupants of open cargo areas. We conclude that passengers in cargo areas of pickup trucks have a higher risk of death than front seat occupants, especially in noncrash events, and that camper shells offer only limited protection for cargo area occupants. PMID:10868756

  20. 46 CFR 150.130 - Loading a cargo on vessels carrying cargoes with which it is incompatible.

    Science.gov (United States)

    2010-10-01

    ... it is incompatible. 150.130 Section 150.130 Shipping COAST GUARD, DEPARTMENT OF HOMELAND SECURITY... carrying cargoes with which it is incompatible. Except as described in § 150.160, the person in charge of a... any cargo in table I with which it is incompatible by two barriers such as formed by a: (1)...

  1. 49 CFR 1546.213 - Access to cargo: Security threat assessments for cargo personnel in the United States.

    Science.gov (United States)

    2010-10-01

    ... 49 Transportation 9 2010-10-01 2010-10-01 false Access to cargo: Security threat assessments for...: Security threat assessments for cargo personnel in the United States. This section applies in the United...— (1) Each individual must successfully complete a security threat assessment or comparable...

  2. 49 CFR 1548.15 - Access to cargo: Security threat assessments for individuals having unescorted access to cargo.

    Science.gov (United States)

    2010-10-01

    ... 49 Transportation 9 2010-10-01 2010-10-01 false Access to cargo: Security threat assessments for... SECURITY CIVIL AVIATION SECURITY INDIRECT AIR CARRIER SECURITY § 1548.15 Access to cargo: Security threat... must successfully complete a security threat assessment or comparable security threat...

  3. Anti-Insurance: Analysing the Health Insurance System in Australia

    OpenAIRE

    Joshua S. Gans; Stephen P. King

    2003-01-01

    This paper develops a model to analyse the Australian health insurance system when individuals differ in their health risk and this risk is private information. The Australian system involves mixed public and private health insurance with private insurance both duplicating and supplementing public insurance. We show that, absent any other interventions, the Australian system implicitly transfers wealth from those most at risk of adverse health to those least at risk. When considered over soci...

  4. Transporting "exceptional cargo" on the CERN sites

    CERN Multimedia

    EN Department

    2012-01-01

    When the Transport Service is managing "exceptional cargo", the driver and the escort are often in charge of an operation involving equipment worth many hundred thousand francs. Equipment that may well be irreplaceable for a facility or an experiment.   The members of the Transport Service who carry out these tasks are very professional and are – needless to say – highly concentrated on the job. They count on your understanding and support in the traffic on site. Their convoys are – for good reasons – moving slowly. Kindly do not overtake, do not cut in in front of them and do not drive too closely. Respect the escort and do not position yourself between the truck and the escort vehicles. The EN department counts on your courtesy on the road.  

  5. BUSINESS INTELLIGENCE FOR INSURANCE COMPANIES

    Directory of Open Access Journals (Sweden)

    A. Ignatiuk

    2016-06-01

    Full Text Available The current state and future trends for the world and domestic insurance markets are analyzed. The description of business intelligence methodology, tools and their practical implication for insurance companies are provided.

  6. Insurance, risk, and magical thinking.

    Science.gov (United States)

    Tykocinski, Orit E

    2008-10-01

    The possession of an insurance policy may not only affect the severity of a potential loss but also its perceived probability. Intuitively, people may feel that if they are insured nothing bad is likely to happen, but if they do not have insurance they are at greater peril. In Experiment 1, respondents who were reminded of their medical insurance felt they were less likely to suffer health problems in the future compared to people who were not reminded of their medical insurance. In Experiment 2a, participants who were unable to purchase travel insurance judged the probability of travel-related calamities higher compared to those who were insured. These results were replicated in Experiment 3a in a simulation of car accident insurance. The findings are explained in terms of intuitive magical thinking, specifically, the negative affective consequences of "tempting fate" and the sense of safety afforded by the notion of "being covered." PMID:18612038

  7. Injuries to occupants in cargo areas of pickup trucks.

    Science.gov (United States)

    Agran, P; Winn, D; Anderson, C

    1994-11-01

    Transporting passengers in the cargo area of pickup trucks is a public health safety issue in the United States. Our study compared crashes involving passengers in the cargo area with those involving passengers in the cab. We obtained data for all injury events of pickup occupants for 1990 from the California Highway Patrol. A total of 702 traffic reports coded as having passengers riding in pickup truck beds involved 1,685 passengers in the cargo area and 865 in the cab. Significantly more events involving passengers in the cargo area occurred in summer in rural areas and were noncollisions than did events with only cab passengers. Crashes with passengers in the cargo area resulted in death in 5% of passengers. Of the drivers, 81% were male and 22% were younger than 20 years. Among the 1,685 passengers in the cargo area, 65% were male, 36% were younger than 15 years, and 30% were ages 15 to 19 years. Passengers in the cargo area were more frequently ejected and more seriously injured than their counterparts in the cab. Legislation to restrict travel in truck beds and the design of restraints for this area are some measures that may reduce the risk of injury. PMID:7810125

  8. Why Firms Purchase Property Insurance?

    OpenAIRE

    Daniel Aunon-Nerin; Paul Ehling

    2007-01-01

    We investigate whether corporate finance incentives aect the extent of corporate hedging with property insurance. Using a database that contains detailed insurance information, we show that rms buy property insurance to reduce the expected costs of distress. Further, we document a scale effect: large rms purchase less insurance per unit of property. This is consistent with the notion that expected bankruptcy costs fall as firm size increases. We also show that the dividend payout ratio exerts...

  9. Managing Risk With Revenue Insurance

    OpenAIRE

    Dismukes, Robert; Coble, Keith H.

    2006-01-01

    Crop revenue insurance offers farmers a way to manage revenue variability that results from yield and price risks. Commodity-level revenue insurance, particularly for corn, soybeans, and wheat, has become a major part of the subsidized Federal crop insurance program. Whole-farm revenue insurance, based on combined revenue from all commodities produced on a farm, is a more broad-based approach, but is difficult to administer.

  10. PREMIUMS CALCULATION FOR LIFE INSURANCE

    Directory of Open Access Journals (Sweden)

    ANA PREDA

    2012-10-01

    Full Text Available The paper presents the techniques and the formulas used on international practice for establishing the premiums for a life policy. The formulas are generally based on a series of indicators named mortality indicators which mainly point out the insured survival probability, the death probability and life expectancy at certain age. I determined, using a case study, the unique net premium, the annual net premium for a survival insurance, whole life insurance and mixed life insurance.

  11. Insurance search and switching behavior

    OpenAIRE

    Bolhaar, J.A.; Klaauw, van der, B.; Lindeboom, M.

    2010-01-01

    This discussion paper resulted in a publication in 'De Economist' , 2015, 163, 25-60. This paper looks into the search behavior of consumers in the market for health insurance contracts. We consider the recent health insurance reform in The Netherlands, where a private-public mix of insurance provision was replaced by a system based on managed competition. Although all insurers offer the same basic package (determined by the government), there is substantial premium dispersion. We develop a s...

  12. Employment Turnover and Unemployment Insurance

    OpenAIRE

    Hassler, John; Vicente Rodríguez Mora, José

    1997-01-01

    Two features distinguish European and US labour markets. First, most European countries have a considerably more generous unemployment insurance system. Second, the duration of unemployment and employment spells are substantially higher in Europe – employment turnover is lower. We show that self-insurance, i.e. saving and borrowing, is a good substitute for unemployment insurance when turnover is as high as in the United States. If the insurance system is less than perfectly actuarially fair,...

  13. Portfolio Selection and Insurance Period

    OpenAIRE

    Aoba, Nobuko

    2001-01-01

    This paper examines market risks, portfolio selection and period of insurance in a life insurance market. Date from many countries indicate that over ninety percent of bankruptcies of life insurers are due of failures in financial risk management. Financial risk management is therefore central. ...

  14. 46 CFR Sec. 13 - Insurance.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 8 2010-10-01 2010-10-01 false Insurance. Sec. 13 Section 13 Shipping MARITIME... REPAIRS UNDER NATIONAL SHIPPING AUTHORITY MASTER LUMP SUM REPAIR CONTRACT-NSA-LUMPSUMREP Sec. 13 Insurance... respect to awarded work. Said Article 9 requires that the Contractor shall maintain insurance to...

  15. Price Variability in Automobile Insurance

    OpenAIRE

    Joseph A. Fields; Emilio C. Venezian; David Jou

    1992-01-01

    In this paper the causes of variation in automobile insurance prices are examined within a small and homogenous state. The central hypothesis of interest is the relation between the price of automobile insurance and the quality of the product. The findings here indicate that the market is one which contains substantial frictions, making the search for automobile insurance products a worthwhile activity for consumers.

  16. Insurance Incentives for Health Promotion.

    Science.gov (United States)

    Hosokawa, Michael C.

    1984-01-01

    To reduce the cost of reimbursements, many insurance companies have begun to use insurance incentives as a way to motivate individuals to participate in health promotion activities. Traditional health education, research and demonstration, and policy-premium incentives are methods of health promotion used by life and health insurance companies.…

  17. 46 CFR 308.403 - Insured amounts.

    Science.gov (United States)

    2010-10-01

    ... total amount of war risk insurance obtainable from companies authorized to do an insurance business in a... MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Builder's Risk Insurance § 308.403 Insured amounts. (a) Prelaunching period. The amount insured...

  18. Technical and economic evaluation of advanced air cargo system concepts

    Science.gov (United States)

    Whitehead, A. H., Jr.

    1977-01-01

    The paper reviews NASA air cargo market studies, reports on NASA and NASA-sponsored studies of advanced freighter concepts, and identifies the opportunities for the application of advanced technology. The air cargo market is studied to evaluate the timing for, and the potential market response to, advanced technology aircraft. The degree of elasticity in future air freight markets is also being investigated, since the demand for a new aircraft is most favorable in a price-sensitive environment. Aircraft design studies are considered with attention to mission and design requirements, incorporation of advanced technologies in transport aircraft, new cargo aircraft concepts, advanced freighter evaluation, and civil-military design commonality.

  19. HOUSING INSURANCE IN ROMANIA

    Directory of Open Access Journals (Sweden)

    FLOREA IANC MARIA MIRABELA

    2014-12-01

    Full Text Available Last few years have shown that Romania is not protected from the consequences of climate change. It is clear that type flood events may cause social problems and losses is difficult financing from public resources, especially in the context of the existence of budget constraints. The only viable system to cope with such disasters is insurance system that has the ability to spread risks by reinsurance Natural disasters - earthquakes, floods, landslides - are just some of the risks that may threaten your home. And if natural disasters can seem distant danger, think as fires, floods caused by broken pipes or theft of household goods are trouble can happen anytime to anyone. To protect yourself in such unpleasant situations, whose frequency is unfortunately on the rise, it is necessary to be assured. Thus, you will be able to recover losses in the event that they occur. The house is undoubtedly one of the most important assets we own. Therefore, the Romans began to pay increasingly more attention to domestic insurance products. Since 2011, voluntary home insurance, life insurance with, were the most dynamic segments of the market.

  20. Need Health Insurance?

    Centers for Disease Control (CDC) Podcasts

    2013-12-23

    Sign up for affordable health insurance with free preventive services available beginning October 1, 2013 through March 31, 2014.  Created: 12/23/2013 by Office of the Associate Director for Policy (OADP), Office of the Associate Director for Communication (OADC).   Date Released: 12/23/2013.

  1. 46 CFR 154.707 - Cargo boil-off as fuel: Ventilation.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 5 2010-10-01 2010-10-01 false Cargo boil-off as fuel: Ventilation. 154.707 Section 154.707 Shipping COAST GUARD, DEPARTMENT OF HOMELAND SECURITY (CONTINUED) CERTAIN BULK DANGEROUS CARGOES... Equipment Cargo Pressure and Temperature Control § 154.707 Cargo boil-off as fuel: Ventilation. (a)...

  2. 19 CFR 123.92 - Electronic information for truck cargo required in advance of arrival.

    Science.gov (United States)

    2010-04-01

    ... 19 Customs Duties 1 2010-04-01 2010-04-01 false Electronic information for truck cargo required in... for Cargo Arriving by Rail or Truck § 123.92 Electronic information for truck cargo required in... electronic information filing requirement in paragraph (a) of this section. (2) Cargo entered under...

  3. 46 CFR 154.405 - Design vapor pressure (Po) of a cargo tank.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 5 2010-10-01 2010-10-01 false Design vapor pressure (Po) of a cargo tank. 154.405... Equipment Cargo Containment Systems § 154.405 Design vapor pressure (Po) of a cargo tank. (a) The design vapor pressure (Po) of a cargo tank must be equal to or greater than the MARVS. (b) The Po of a...

  4. 19 CFR 122.117 - Requirements for transit air cargo transport.

    Science.gov (United States)

    2010-04-01

    ... 19 Customs Duties 1 2010-04-01 2010-04-01 false Requirements for transit air cargo transport. 122... Requirements for transit air cargo transport. (a) Transportation—(1) Port to port. Transit air cargo may be... cargo, a receipt shall be given. The receipt shall be made by the airline responsible for transport...

  5. 46 CFR 153.436 - Heat transfer fluids: compatibility with cargo.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 5 2010-10-01 2010-10-01 false Heat transfer fluids: compatibility with cargo. 153.436... Equipment Cargo Temperature Control Systems § 153.436 Heat transfer fluids: compatibility with cargo. A heat transfer fluid separated from the cargo by only one wall (for example, the heat transfer fluid in a...

  6. 46 CFR 153.438 - Cargo pressure or temperature alarms required.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 5 2010-10-01 2010-10-01 false Cargo pressure or temperature alarms required. 153.438... Equipment Cargo Temperature Control Systems § 153.438 Cargo pressure or temperature alarms required. (a... vapor pressure described in § 153.371(b); or (2) An alarm that operates when the cargo's...

  7. Insurance against climate change and flood risk: Insurability and decision processes of insurers

    Science.gov (United States)

    Hung, Hung-Chih; Hung, Jia-Yi

    2016-04-01

    1. Background Major portions of the Asia-Pacific region is facing escalating exposure and vulnerability to climate change and flood-related extremes. This highlights an arduous challenge for public agencies to improve existing risk management strategies. Conventionally, governmental funding was majorly responsible and accountable for disaster loss compensation in the developing countries in Asia, such as Taiwan. This is often criticized as an ineffective and inefficient measure of dealing with flood risk. Flood insurance is one option within the toolkit of risk-sharing arrangement and adaptation strategy to flood risk. However, there are numerous potential barriers for insurance companies to cover flood damage, which would cause the flood risk is regarded as uninsurable. This study thus aims to examine attitudes within the insurers about the viability of flood insurance, the decision-making processes of pricing flood insurance and their determinants, as well as to examine potential solutions to encourage flood insurance. 2. Methods and data Using expected-utility theory, an insurance agent-based decision-making model was developed to examine the insurers' attitudes towards the insurability of flood risk, and to scrutinize the factors that influence their decisions on flood insurance premium-setting. This model particularly focuses on how insurers price insurance when they face either uncertainty or ambiguity about the probability and loss of a particular flood event occurring. This study considers the factors that are expected to affect insures' decisions on underwriting and pricing insurance are their risk perception, attitudes towards flood insurance, governmental measures (e.g., land-use planning, building codes, risk communication), expected probabilities and losses of devastating flooding events, as well as insurance companies' attributes. To elicit insurers' utilities about premium-setting for insurance coverage, the 'certainty equivalent,' 'probability

  8. 46 CFR 98.25-55 - Cargo piping.

    Science.gov (United States)

    2010-10-01

    ... piping by means of seamless steel pipe expansion bends. Special consideration will be given for packless... Cargo piping. (a) Piping shall be of seamless steel meeting the requirements of § 56.60-1 of...

  9. Bidirectionality From Cargo Thermal Fluctuations in Motor-Mediated Transport

    CERN Document Server

    Miles, Christopher E

    2016-01-01

    Molecular motor proteins serve as an essential component of intracellular transport by generating forces to haul cargoes along cytoskeletal filaments. In some circumstances, two species of motors that are directed oppositely (e.g. kinesin, dynein) can be attached to the same cargo. The resulting net motion is known to be bidirectional, but the mechanism of switching remains unclear. In this work, we propose a mean-field mathematical model of the mechanical interactions of two populations of molecular motors with diffusion of the cargo (thermal fluctuations) as the fundamental noise source. By studying a simplified model, the delayed response of motors to rapid fluctuations in the cargo is quantified, allowing for the reduction of the full model to two "characteristic positions" of each of the motor populations. The system is then found to be "metastable", switching between two distinct directional transport states, or bidirectional motion. The time to switch between these states is then investigated using WKB...

  10. Aggregating Secondary Source Data for Air Cargo Prescreening Project

    Data.gov (United States)

    National Aeronautics and Space Administration — We propose to improve the effectiveness of air cargo prescreening by enabling background knowledge about companies and products to be used for threat assessment....

  11. 33 CFR 157.134 - Cargo tank drainage.

    Science.gov (United States)

    2010-07-01

    ...) POLLUTION RULES FOR THE PROTECTION OF THE MARINE ENVIRONMENT RELATING TO TANK VESSELS CARRYING OIL IN BULK Crude Oil Washing (COW) System on Tank Vessels Design, Equipment, and Installation § 157.134 Cargo...

  12. Stochastic modeling of cargo transport by teams of molecular motors

    CERN Document Server

    Klein, Sarah; Santen, Ludger

    2014-01-01

    Many different types of cellular cargos are transported bidirectionally along microtubules by teams of molecular motors. The motion of this cargo-motors system has been experimentally characterized in vivo as processive with rather persistent directionality. Different theoretical approaches have been suggested in order to explore the origin of this kind of motion. An effective theoretical approach, introduced by M\\"uller et al., describes the cargo dynamics as a tug-of-war between different kinds of motors. An alternative approach has been suggested recently by Kunwar et al., who considered the coupling between motor and cargo in more detail. Based on this framework we introduce a model considering single motor positions which we propagate in continuous time. Furthermore, we analyze the possible influence of the discrete time update schemes used in previous publications on the system's dynamic.

  13. Multi-Purpose Logistics Module (MPLM) Cargo Heat Exchanger

    Science.gov (United States)

    Zampiceni, John J.; Harper, Lon T.

    2002-01-01

    This paper describes the New Shuttle Orbiter's Multi- Purpose Logistics Modulo (MPLM) Cargo Heat Exchanger (HX) and associated MPLM cooling system. This paper presents Heat Exchanger (HX) design and performance characteristics of the system.

  14. Bidirectional cargo transport: Moving beyond tug-of-war

    Science.gov (United States)

    Hancock, William O.

    2016-01-01

    Preface Vesicles, organelles and other intracellular cargo are transported by kinesin and dynein motors, which move in opposite directions along microtubules. This bidirectional cargo movement is frequently described as a “tug-of-war” between oppositely-directed motors attached to the same cargo. However, although many experimental and modeling studies support the tug-of-war paradigm, numerous knockout and inhibition studies in a variety of systems have found that inhibiting one motor leads to diminished motility in both directions, which is a “paradox of codependence” that challenges it. In an effort to resolve this paradox, three classes of bidirectional transport models, termed microtubule tethering, mechanical activation, and steric disinhibition, are proposed and a general mathematical modeling framework for bidirectional cargo transport is put forward to guide future experiments. PMID:25118718

  15. Modern problems in insurance mathematics

    CERN Document Server

    Martin-Löf, Anders

    2014-01-01

    This book is a compilation of 21 papers presented at the International Cramér Symposium on Insurance Mathematics (ICSIM) held at Stockholm University in June, 2013. The book comprises selected contributions from several large research communities in modern insurance mathematics and its applications. The main topics represented in the book are modern risk theory and its applications, stochastic modelling of insurance business, new mathematical problems in life and non-life insurance, and related topics in applied and financial mathematics. The book is an original and useful source of inspiration and essential reference for a broad spectrum of theoretical and applied researchers, research students and experts from the insurance business. In this way, Modern Problems in Insurance Mathematics will contribute to the development of research and academy–industry co-operation in the area of insurance mathematics and its applications.

  16. [Medical insurance estimation of risks].

    Science.gov (United States)

    Dunér, H

    1975-11-01

    The purpose of insurance medicine is to make a prognostic estimate of medical risk-factors in persons who apply for life, health, or accident insurance. Established risk-groups with a calculated average mortality and morbidity form the basis for premium rates and insurance terms. In most cases the applicant is accepted for insurance after a self-assessment of his health. Only around one per cent of the applications are refused, but there are cases in which the premium is raised, temporarily or permanently. It is often a matter of rough estimate, since the knowlege of the long-term prognosis for many diseases is incomplete. The insurance companies' rules for estimate of risk are revised at intervals of three or four years. The estimate of risk as regards life insurance has been gradually liberalised, while the medical conditions for health insurance have become stricter owing to an increase in the claims rate.

  17. The Cargo Tray Industry in India – A Market Research

    OpenAIRE

    Eriksson, Martin; Ohlsson, Tobias

    2010-01-01

    Title: The Cargo Tray Industry in India – A Market Research Authors: Martin Eriksson and Tobias Ohlsson Supervisor: Cecilia Lindh University: University of MälardalenDepartment: School of Sustainable Development of Society and TechnologyCourse: Bachelor thesis in Business Administration, 15 credits Research question: Is the Indian cargo tray industry a promising place for Autoform to make futureinvestments? Target group: The primary target is Autoform. The secondary target group is other cara...

  18. Design and Inspection of Liquid Cargo Piping of Chemical Tanker

    Institute of Scientific and Technical Information of China (English)

    Ying Sheng; Jiang Chengsong

    2012-01-01

    There is a great variety of liquid chemicals, and many shipowners are not clear about the cargos their ships will carry at the early stage of the design and construction of chemical tankers. In addition, because of the inclination to choose low cost construction material due to cost concern, the sources of cargos that ships can carry are greatly limited and the operation efficiency will be influenced. What should we do to avoid such situations?

  19. The impact of health insurance reform on insurance instability.

    Science.gov (United States)

    Freund, Karen M; Isabelle, Alexis P; Hanchate, Amresh D; Kalish, Richard L; Kapoor, Alok; Bak, Sharon; Mishuris, Rebecca G; Shroff, Swati M; Battaglia, Tracy A

    2014-02-01

    We investigated the impact of the 2006 Massachusetts health care reform on insurance coverage and stability among minority and underserved women. We examined 36 months of insurance claims among 1,946 women who had abnormal cancer screening at six community health centers pre-(2004-2005) and post-(2007-2008) insurance reform. We examined frequency of switches in insurance coverage as measures of longitudinal insurance instability. On the date of their abnormal cancer screening test, 36% of subjects were publicly insured and 31% were uninsured. Post-reform, the percent ever uninsured declined from 39% to 29% (p .001) and those consistently uninsured declined from 23% to 16%. To assess if insurance instability changed between the pre- and post-reform periods, we conducted Poisson regression models, adjusted for patient demographics and length of time in care. These revealed no significant differences from the pre- to post-reform period in annual rates of insurance switches, incident rate ratio 0.98 (95%- CI 0.88-1.09). Our analysis is limited by changes in the populations in the pre- and post-reform period and inability to capture care outside of the health system network. Insurance reform increased stability as measured by decreasing uninsured rates without increasing insurance switches.

  20. Insurance in Tourism Industry

    OpenAIRE

    Taleski, Petar; Taskov, Nako

    2011-01-01

    The issue of cost and availability of insurance, particularly for tourism operators, has become a common issue for the tourism industry across European Union. It has been particularly problematic in those jurisdictions that have a high number of adventure and eco-tourism operators. The main challenge appears to be in relation to securing commercial general liability coverage and/or obtaining such coverage on a cost effective basis. One of the problems is that the tourism industry does not ...

  1. Life insurance mathematics

    CERN Document Server

    Gerber, Hans U

    1997-01-01

    This concise introduction to life contingencies, the theory behind the actuarial work around life insurance and pension funds, will appeal to the reader who likes applied mathematics. In addition to model of life contingencies, the theory of compound interest is explained and it is shown how mortality and other rates can be estimated from observations. The probabilistic model is used consistently throughout the book. Numerous exercises (with answers and solutions) have been added, and for this third edition several misprints have been corrected.

  2. Insurance contracts on tourism

    OpenAIRE

    Krasniqi, Armand

    2010-01-01

    The business life in the modern world is developed upon the logia of the domination of the rules and within them an important role play those that are related to implementation of the standards that are connected with he security and insurances. Due to the need for an economic transformation it resulted with the creating of a new set of new contracts which commencing from several general principles of the obligatory law, that regulate the situation which were not established insofar, which in...

  3. Risk management and insurance

    OpenAIRE

    Kenneth A. Froot

    2012-01-01

    Ulm University is regarded as a pioneer in the establishment of Quantitative Economics. In 1977, it was Ulm that first introduced Mathematics and Management as a course of studies, which to this day still enjoys a great demand, and which has led to the establishment of similar study programs in other locations. This study course forms the basis for the successful research area of risk management and insurances established at the Ulm University.

  4. Unions and Wage Insurance

    OpenAIRE

    Burda, Michael C

    1995-01-01

    Existing theories of unions emphasize their impact on wage levels relative to the opportunity cost of leisure. This paper explores tha possibility that monopoly unions provide income insurance against idiosyncratic wage variability. An optimal union contract is characterized by real wage and other types of flexibility only in response to systematic changes in underlying uncertainty. Under such conditions, there is no presumption that the "union wage premium" relative to the free market wage i...

  5. Limited Deposit Insurance Coverage and Bank Competition

    OpenAIRE

    Shy, Oz; Stenbacka, Rune; Yankov, Vladimir

    2014-01-01

    Deposit insurance designs in many countries place a limit on the coverage of deposits in each bank. However, no limits are placed on the number of accounts held with different banks. Therefore, under limited deposit insurance, some consumers open accounts with different banks to achieve higher or full deposit insurance coverage. We compare three regimes of deposit insurance: No deposit insurance, unlimited deposit insurance, and limited deposit insurance. We show that limited deposit insuranc...

  6. Claims expenses and insurance capacity in third party liability insurance

    International Nuclear Information System (INIS)

    The Chernobyl accident reminded insurers that the potential expenses connected with the handling and settlement of claims following a major nuclear accident can be very significant. These are a direct consequence of the accident and funds must be available to pay for these costs as well as for indemnities to victims. Claims expenses at present have to be borne by the insurers in addition to the sums insured for the compensation of third parties. If governments intend to increase the statutory amounts of liability, this would reduce the insurers' ability to make the maximum possible capacity available for indemnities to victims. Therefore, before increasing further the statutory limits of liability, governments should - in revising the Paris Convention - consider allowing insurers to include claims handling expenses in their total sums insured

  7. Insurance of nuclear power stations

    International Nuclear Information System (INIS)

    Electrical utility companies have invested large sums in the establishment of nuclear facilities. For this reason it is normal for these companies to attempt to protect their investments as much as possible. One of the methods of protection is recourse to insurance. For a variety of reasons traditional insurance markets are unable to function normally for a number of reasons including, the insufficient number of risks, an absence of meaningful accident statistics, the enormous sums involved and a lack of familiarity with nuclear risks on the part of insurers, resulting in a reluctance or even refusal to accept such risks. Insurers have, in response to requests for coverage from nuclear power station operators, established an alternative system of coverage - insurance through a system of insurance pools. Insurers in every country unite in a pool, providing a net capacity for every risk which is a capacity covered by their own funds, and consequently without reinsurance. All pools exchange capacity. The inconvenience of this system, for the operators in particular, is that it involves a monopolistic system in which there are consequently few possibilities for the negotiation of premiums and conditions of coverage. The system does not permit the establishment of reserves which could, over time, reduce the need for insurance on the part of nuclear power station operators. Thus the cost of nuclear insurance remains high. Alternatives to the poor system of insurance are explored in this article. (author)

  8. Claims prevention within home insurance : Insights from insurance customers

    OpenAIRE

    Skorna, Alexander C.H.; Paefgen, Johannes; von Watzdorf, Stephan

    2011-01-01

    The recent economic crisis has speeded up the concentration process within the European insurance sector. However, nowadays customers are more price sensitive, which increases pressure for the whole industry and in consequence leads to further premium erosions. Thus, some insurers are seeking new ways to differentiate their portfolio by offering innovative insurance products combined with prevention activities to compete with a high value-added service strategy. The objective of this research...

  9. Optimal Taxation and Social Insurance with Endogenous Private Insurance

    OpenAIRE

    Chetty, Nadarajan; Saez, Emmanuel

    2008-01-01

    We characterize welfare gains from government intervention when the private sector provides partial insurance. We analyze models in which adverse selection, pre-existing information, or imperfect optimization create a role for government intervention. We derive formulas that map existing empirical estimates into quantitative predictions for optimal policy. When private insurance generates moral hazard, standard formulas for optimal government insurance must be modified to account for fiscal e...

  10. Failure of cargo aileron’s actuator

    Directory of Open Access Journals (Sweden)

    G. Zucca

    2014-10-01

    Full Text Available During a ferry flight, in a standard operation condition and at cruising level, a military cargo experienced a double hydraulic system failure due to a structural damage of the dual booster actuator. The booster actuator is the main component in mechanism of aileron’s deflection. The crew was able to arrange an emergency landing thanks to the spare oil onboard: load specialists refilled the hydraulic reservoirs. Due to safety concerns and in order to prevent the possibility of other similar incidents, a technical investigation took place. The study aimed to carry out the analysis of root causes of the actuator failure. The Booster actuator is composed mainly by the piston rod and its aluminum external case (AA7049. The assembly has two bronze caps on both ends. These are fixed in position by means of two retainers. At one end of the actuator case is placed a trunnion: a cylindrical protrusion used as a pivoting point on the aircraft. The fracture was located at one end of the case, on the trunnion side, in correspondence to the cap and over the retainer. One of the two fracture surfaces was found separated to the case and with the cap entangled inside. The fracture surfaces of the external case indicated fatigue crack growth followed by ductile separation. The failure analysis was performed by means of optical, metallographic, digital and electronic microscopy. The collected evidences showed a multiple initiation fracture mechanism. Moreover, 3D scanner reconstruction and numerical simulation demonstrated that dimensional non conformances and thermal loads caused an abnormal stress concentration. Stress concentration was located along the case assy outer surface where the fatigue crack originated. The progressive rupture mechanism grew under cyclical axial load due to the normal operations. Recommendations were issued in order to improve dimensional controls and assembly procedures during production and overhaul activities.

  11. Spectroscopic neutron radiography for a cargo scanning system

    Science.gov (United States)

    Rahon, Jill; Danagoulian, Areg; MacDonald, Thomas D.; Hartwig, Zachary S.; Lanza, Richard C.

    2016-06-01

    Detection of cross-border smuggling of illicit materials and contraband is a challenge that requires rapid, low-dose, and efficient radiographic technology. The work we describe here is derived from a technique which uses monoenergetic gamma rays from low energy nuclear reactions, such as 11B(d,nγ)12C, to perform radiographic analysis of shipping containers. Transmission ratios of multiple monoenergetic gamma lines resulting from several gamma producing nuclear reactions can be employed to detect materials of high atomic number (Z), the details of which will be described in a separate paper. Inherent in this particular nuclear reaction is the production of fast neutrons which could enable neutron radiography and further characterization of the effective-Z of the cargo, especially within the range of lower Z. Previous research efforts focused on the use of total neutron counts in combination with X-ray radiography to characterize the hydrogenous content of the cargo. We present a technique of performing transmitted neutron spectral analysis to reconstruct the effective Z and potentially the density of the cargo. This is made possible by the large differences in the energy dependence of neutron scattering cross-sections between hydrogenous materials and those of higher Z. These dependencies result in harder transmission spectra for hydrogenous cargoes than those of non-hydrogenous cargoes. Such observed differences can then be used to classify the cargo based on its hydrogenous content. The studies presented in this paper demonstrate that such techniques are feasible and can provide a contribution to cargo security, especially when used in concert with gamma radiography.

  12. LONGEVITY INSURANCE: A MISSING MARKET

    OpenAIRE

    ADAM CREIGHTON; HENRY HONGBO JIN; JOHN PIGGOTT; Emiliano A. Valdez

    2005-01-01

    More than half of the world's old live in Asia, and around 35% in India and China alone. As demographic transition proceeds regionally and globally, the development of a robust and reliable longevity insurance market will become essential. Although the need for such insurance is most pressing in Asia, longevity risk is poorly managed practically everywhere. This paper reviews theory and practice relating to longevity risk and insurance, amid a rapidly changing demographic and policy landscape...

  13. Insurance for autonomous underwater vehicles

    OpenAIRE

    Griffiths, G; N Bose; Ferguson, J.; Blidberg, D.R.

    2007-01-01

    The background and practice of insurance for autonomous underwater vehicles (AUVs) are examined. Key topics include: relationships between clients, brokers and underwriters; contract wording to provide appropriate coverage; and actions to take when an incident occurs. Factors that affect cost of insurance are discussed, including level of autonomy, team experience and operating environment. Four case studies from industry and academia illustrate how AUV insurance has worked in practice. The p...

  14. Managing Risk with Crop Insurance

    OpenAIRE

    Edwards, William M.

    2003-01-01

    Every year Iowa farmers face the threat of damage to their crops from drought, hail, flood, insects, and other natural disasters. The U.S.D.A. Risk Management Agency (RMA) and private crop insurance venders have developed a set of insurance programs to help control crop production risks at a reasonable cost. Crop insurance coverage is not mandatory, but it does provide a financial safety net in case of severe production losses.

  15. 77 FR 12517 - VA Dental Insurance Program

    Science.gov (United States)

    2012-03-01

    ... AFFAIRS 38 CFR Part 17 RIN 2900-AN99 VA Dental Insurance Program AGENCY: Department of Veterans Affairs...) proposes to amend its regulations to establish a pilot program to offer premium-based dental insurance to... insurer through the Federal contracting process to offer dental insurance, and the private insurer...

  16. 46 CFR 151.05-2 - Compliance with requirements for tank barges carrying benzene and benzene containing cargoes, or...

    Science.gov (United States)

    2010-10-01

    ... benzene and benzene containing cargoes, or butyl acrylate cargoes. 151.05-2 Section 151.05-2 Shipping... Compliance with requirements for tank barges carrying benzene and benzene containing cargoes, or butyl acrylate cargoes. A tank barge certificated to carry benzene and benzene containing cargoes or...

  17. The economics of health insurance.

    Science.gov (United States)

    Jha, Saurabh; Baker, Tom

    2012-12-01

    Insurance plays an important role in the United States, most importantly in but not limited to medical care. The authors introduce basic economic concepts that make medical care and health insurance different from other goods and services traded in the market. They emphasize that competitive pricing in the marketplace for insurance leads, quite rationally, to risk classification, market segmentation, and market failure. The article serves as a springboard for understanding the basis of the reforms that regulate the health insurance market in the Patient Protection and Affordable Care Act. PMID:23206642

  18. The economics of health insurance.

    Science.gov (United States)

    Jha, Saurabh; Baker, Tom

    2012-12-01

    Insurance plays an important role in the United States, most importantly in but not limited to medical care. The authors introduce basic economic concepts that make medical care and health insurance different from other goods and services traded in the market. They emphasize that competitive pricing in the marketplace for insurance leads, quite rationally, to risk classification, market segmentation, and market failure. The article serves as a springboard for understanding the basis of the reforms that regulate the health insurance market in the Patient Protection and Affordable Care Act.

  19. Project CarGO tram at Dresden; Projekt CarGo Tram in Dresden

    Energy Technology Data Exchange (ETDEWEB)

    Mueller-Eberstein, F.; Franke, M. [Dresdner Verkehrsbetriebe AG, Dresden (Germany)

    2000-05-01

    Next year, the Glassen Volkswagen Factory, which is currently under construction, will commence the production of luxury class automobiles. Already buying a car is meant to be a special event; thus the factory is set in a baroque environment, near the famous Semper Opera and Picture Gallery. This arrangement, hitherto without example, will be accompanied by another, equally remarkable project. The factory, which is situated in a central city area being very sensitive in terms of urban development and traffic installations, will be delivered raw materials and parts using a CarGo Tram. Two bi-directionally operated, 60 metres long five-car trains will transport the parts from the railway cargo hub at Dresden Friedrichstadt to the factory in cycles of 40 minutes. There and at the Glassen Factory in Grosser Garten, separate track terminals will be built. In addition to the historic past and the charming scenery of the Elbe metropolis Dresden and its environs, soon also the CarGo Tram and the Glassen Factory will attract guests from all over the world to visit this innovative and culturally important city in the centre of Europe. (orig.) [German] Im Jahr 2001 beginnt die Produktion von Automobilen der Oberklasse in der derzeit noch im Bau befindlichen Glaesernen Manufaktur der Volkswagen Automobil-Manufaktur Dresden GmbH. In einem barocken Umfeld, mit raeumlicher Naehe zur Semperoper und Gemaeldegalerie, soll bereits der Verkauf dieser Fahrzeuge zu einem Erlebnis werden. Dieses bisher einmalige Vorhaben wird von einem zweiten, ebenso einzigartigen Vorhaben begleitet. Die Belieferung der in einem staedtebaulich und verkehrlich sensiblen Innenstadtbereich gelegenen Manufaktur erfolgt mit einer Gueterstrassenbahn. Zwei 60 Meter lange, fuenfteilige Zweirichtungsfahrzeuge werden ab Maerz 2001 etwa im 40-Minutentakt die Anlieferung der Zulieferteile aus dem Gueterverkehrszentrum Dresden-Friedrichstadt uebernehmen. Hier und an der Glaesernen Manufaktur im Grossen Garten werden

  20. 26 CFR 1.7702-2 - Attained age of the insured under a life insurance contract.

    Science.gov (United States)

    2010-04-01

    ... age of the insured under a life insurance contract. (a) In general. This section provides guidance on determining the attained age of an insured under a contract that is a life insurance contract under the... second of the two insureds dies. (ii) Section 1.7702-2(c)(1) provides that if a life insurance...

  1. 76 FR 71624 - Agency Information Collection (Claim for Disability Insurance Benefits, Government Life Insurance...

    Science.gov (United States)

    2011-11-18

    ... AFFAIRS Agency Information Collection (Claim for Disability Insurance Benefits, Government Life Insurance..., Government Life Insurance, VA Form 29-357. OMB Control Number: 2900-0016. Type of Review: Extension of a... disability insurance on National Service Life Insurance and United States Government Life Insurance......

  2. Cooperative behavior of molecular motors: Cargo transport and traffic phenomena

    Science.gov (United States)

    Lipowsky, Reinhard; Beeg, Janina; Dimova, Rumiana; Klumpp, Stefan; Müller, Melanie J. I.

    2010-01-01

    All eukaryotic cells including those of our own body contain complex transport systems based on molecular motors which walk along cytoskeletal filaments. These motors are rather small and make discrete mechanical steps with a step size of the order of 10 nm but are able to pull cargo particles over much larger distances, from micrometers up to meters. In vivo, the intracellular cargos include large membrane-bounded organelles, smaller vesicles, a subset of mRNAs, cytoskeletal filaments, and various protein building blocks, which are transported between different cell compartments. This cargo transport is usually performed by teams of motors. If all motors belong to the same molecular species, the cooperative action of the motors leads to uni-directional transport with a strongly increased run length and with a characteristic force dependence of the velocity distributions. If two antagonistic teams of motors pull on the same cargo particle, they perform a stochastic tug-of-war, which is characterized by a subtle force balance between the two motor teams and leads to several distinct patterns of bi-directional transport. So far, all experimental observations on bi-directional transport are consistent with such a tug-of-war. If many motors and/or cargo particles are transported along the filaments, one encounters various traffic phenomena. Depending on their mutual interactions and the compartment geometry, the motors form various spatio-temporal patterns such as traffic jams, and undergo nonequilibrium phase transitions between different patterns of transport.

  3. Optimisation of key performance measures in air cargo demand management

    Directory of Open Access Journals (Sweden)

    Alexander May

    2014-03-01

    Full Text Available This article sought to facilitate the optimisation of key performance measures utilised for demand management in air cargo operations. The focus was on the Revenue Management team at Virgin Atlantic Cargo and a fuzzy group decision-making method was used. Utilising intelligent fuzzy multi-criteria methods, the authors generated a ranking order of ten key outcome-based performance indicators for Virgin Atlantic air cargo Revenue Management. The result of this industry-driven study showed that for Air Cargo Revenue Management, ‘Network Optimisation’ represents a critical outcome-based performance indicator. This collaborative study contributes to existing logistics management literature, especially in the area of Revenue Management, and it seeks to enhance Revenue Management practice. It also provides a platform for Air Cargo operators seeking to improve reliability values for their key performance indicators as a means of enhancing operational monitoring power.

  4. Constant Proportion Portfolio Insurance

    DEFF Research Database (Denmark)

    Jessen, Cathrine

    2014-01-01

    on the theme, originally proposed by Fischer Black. In CPPI, a financial institution guarantees a floor value for the “insured” portfolio and adjusts the stock/bond mix to produce a leveraged exposure to the risky assets, which depends on how far the portfolio value is above the floor. Plain-vanilla portfolio...... insurance largely died with the crash of 1987, but CPPI is still going strong. In the frictionless markets of finance theory, the issuer’s strategy to hedge its liability under the contract is clear, but in the real world with transactions costs and stochastic jump risk, the optimal strategy is less obvious...

  5. The National Insurance Academy: Serving India's Insurance Professionals and Researchers

    Science.gov (United States)

    Sane, Bhagyashree

    2011-01-01

    This article discusses how a special library can meet the needs of a specific industry. The author focuses on India's National Insurance Academy (NIA) Library, which serves the insurance industry of India and some neighboring countries. It is where the author serves as the chief librarian.

  6. 78 FR 56583 - Deposit Insurance Regulations; Definition of Insured Deposit

    Science.gov (United States)

    2013-09-13

    ... U.S. bank under deposit agreements governed by non-U.S. law to take advantage of a large bank's... 330 Bank deposit insurance, Banks, Banking, Reporting and recordkeeping requirements, Savings and Loan... of U.S. insured depository institutions (``IDI'' or ``U.S. bank''). The Final Rule clarifies...

  7. Working out of generalized dynamic model of cargo fixation with cargo pads jointly with flexible and thrust elements under the action spatial force system

    Directory of Open Access Journals (Sweden)

    Khabibulla TURANOV

    2011-01-01

    Full Text Available The article gives an account of the results of working out a generalized dynamic model of fixation of cargo with pads jointly with flexible and thrust elements. Working out a generalized dynamic model of cargo fixation is rather a complicated problem not in the sense of solving differential equations systems but in the sense of presenting them as a complex mechanical system “cargo – pads – flexible elements – thrust bars”. Generalized dynamic model of cargo with pads observed that this model represents technology of joint work of flexible and thrust fastening means of cargo on rolling stock. In particular, on the basis of this model there can be obtained the technology models of joint work of flexible and elastic fastening means of cargo without pads of fastening flexible elements of cargo with pads without thrust bars and also flexible fastening elements of cargo without pads and thrust bars at asymmetrical and/or symmetrical allocation of cargo in the wagon. A specific feature (novelty feature of the proposed dynamic model is inclusion into the model of both cargo pads and thrust bars which are nailed to the wagon floor close to the butt and lateral sides of cargo.

  8. 78 FR 71726 - Comment Request; Insurance Survey

    Science.gov (United States)

    2013-11-29

    ... AFFAIRS Comment Request; Insurance Survey AGENCY: Veterans Benefits Administration, Department of Veterans... this notice. This notice solicits comments on information needed to determine how well the Insurance... use of other forms of information technology. Title: Insurance Survey. OMB Control Number:...

  9. Bundled automobile insurance coverage and accidents.

    Science.gov (United States)

    Li, Chu-Shiu; Liu, Chwen-Chi; Peng, Sheng-Chang

    2013-01-01

    This paper investigates the characteristics of automobile accidents by taking into account two types of automobile insurance coverage: comprehensive vehicle physical damage insurance and voluntary third-party liability insurance. By using a unique data set in the Taiwanese automobile insurance market, we explore the bundled automobile insurance coverage and the occurrence of claims. It is shown that vehicle physical damage insurance is the major automobile coverage and affects the decision to purchase voluntary liability insurance coverage as a complement. Moreover, policyholders with high vehicle physical damage insurance coverage have a significantly higher probability of filing vehicle damage claims, and if they additionally purchase low voluntary liability insurance coverage, their accident claims probability is higher than those who purchase high voluntary liability insurance coverage. Our empirical results reveal that additional automobile insurance coverage information can capture more driver characteristics and driving behaviors to provide useful information for insurers' underwriting policies and to help analyze the occurrence of automobile accidents.

  10. 77 FR 11191 - Insurance Cost Information Regulation

    Science.gov (United States)

    2012-02-24

    ..., 58 FR 12545, NHTSA amended 49 CFR part 582, Insurance Cost Information Regulation, to require all... National Highway Traffic Safety Administration Insurance Cost Information Regulation AGENCY: National... insurance cost information booklet that all car dealers must make available to prospective...

  11. ROLE OF INTERNET IN INSURANCE SERVICES REALIZATION

    OpenAIRE

    N. Prikazyuk; Motashko, T.

    2014-01-01

    The role of the Internet in the implementation of insurance products is investigated. It is founded the Internet in insurance performs presentable and realizable function. The benefits of using Internet technologies for business of insurance market are determined.

  12. Reducing Mission Logistics with Multipurpose Cargo Transfer Bags

    Science.gov (United States)

    Baccus, Shelley; Broyan, James Lee, Jr.; Borrego, Melissa

    2016-01-01

    The Logistics Reduction (LR) project within Advanced Exploration Systems (AES) is tasked with reducing logistical mass and repurposing logistical items. Multipurpose Cargo Transfer Bags (MCTB) have been designed such that they can serve the same purpose as a Cargo Transfer Bag (CTB), the common logistics carrying bag for the International Space Station (ISS). After use as a cargo carrier, a regular CTB becomes trash, whereas the MCTB can be unfolded into a flat panel for reuse. Concepts and potential benefits for various MCTB applications will be discussed including partitions, crew quarters, solar radiation storm shelters, acoustic blankets, and forward osmosis water processing. Acoustic MCTBs are currently in use on ISS to reduce the noise generated by the T2 treadmill, which reaches the hazard limit at high speeds. The development of the AMCTB included identification of keep-out zones, acoustic properties, deployment considerations, and structural testing. Features developed for these considerations are applicable to MCTBs for all crew outfitting applications.

  13. Multipurpose Cargo Transfer Bags fro Reducing Exploration Mission Logistics

    Science.gov (United States)

    Baccus, Shelley; Broyan, James Lee, Jr.; Borrego, Melissa

    2016-01-01

    The Logistics Reduction (LR) project within the Advanced Exploration Systems (AES) division is tasked with reducing logistical mass and repurposing logistical items. Multipurpose Cargo Transfer Bags (MCTB) have been designed such that they can serve the same purpose as a Cargo Transfer Bag (CTB), the common logistics carrying bag for the International Space Station (ISS). After use as a cargo carrier, a regular CTB becomes trash, whereas the MCTB can be unfolded into a flat panel for reuse. Concepts and potential benefits for various MCTB applications will be discussed including partitions, crew quarters, solar radiation storm shelters, acoustic blankets, and forward osmosis water processing. Acoustic MCTBs are currently in use on ISS to reduce the noise generated by the T2 treadmill, which reaches the hazard limit at high speeds. The development of the AMCTB included identification of keep out zones, acoustic properties, deployment considerations, and structural testing. Features developed for these considerations are applicable to MCTBs for all crew outfitting applications.

  14. Detection of shielded nuclear material in a cargo container

    International Nuclear Information System (INIS)

    The Idaho National Laboratory, along with Los Alamos National Laboratory and the Idaho State University's Idaho Accelerator Center, are developing electron accelerator-based, photonuclear inspection technologies for the detection of shielded nuclear material within air-, rail-, and especially, maritime-cargo transportation containers. This paper describes a developing prototypical cargo container inspection system utilizing the Pulsed Photonuclear Assessment (PPA) technology, incorporates interchangeable, well-defined, contraband shielding structures (i.e., 'calibration' pallets) providing realistic detection data for induced radiation signatures from smuggled nuclear material, and provides various shielded nuclear material detection results. Using a 4.8-kg quantity of depleted uranium, neutron and gamma-ray detection responses are presented for well-defined shielded and unshielded configurations evaluated in a selected cargo container inspection configuration

  15. Detection of shielded nuclear material in a cargo container

    Science.gov (United States)

    Jones, James L.; Norman, Daren R.; Haskell, Kevin J.; Sterbentz, James W.; Yoon, Woo Y.; Watson, Scott M.; Johnson, James T.; Zabriskie, John M.; Bennett, Brion D.; Watson, Richard W.; Moss, Cavin E.; Frank Harmon, J.

    2006-06-01

    The Idaho National Laboratory, along with Los Alamos National Laboratory and the Idaho State University's Idaho Accelerator Center, are developing electron accelerator-based, photonuclear inspection technologies for the detection of shielded nuclear material within air-, rail-, and especially, maritime-cargo transportation containers. This paper describes a developing prototypical cargo container inspection system utilizing the Pulsed Photonuclear Assessment (PPA) technology, incorporates interchangeable, well-defined, contraband shielding structures (i.e., "calibration" pallets) providing realistic detection data for induced radiation signatures from smuggled nuclear material, and provides various shielded nuclear material detection results. Using a 4.8-kg quantity of depleted uranium, neutron and gamma-ray detection responses are presented for well-defined shielded and unshielded configurations evaluated in a selected cargo container inspection configuration.

  16. Optimizing an undulating magnetic microswimmer for cargo towing

    Science.gov (United States)

    Gutman, Emiliya; Or, Yizhar

    2016-06-01

    One of the promising capabilities of magnetic microswimmers is towing a cargo, which can be used for targeted drug delivery or performing tissue biopsy. A key question is what should be the optimal size ratio between the cargo and the swimmer's flexible tail. This question is addressed here for the simplest theoretical model of a magnetic microswimmer undergoing planar undulations—a spherical load connected by a torsion spring to a rigid slender link. The swimmer's dynamic is formulated and leading-order expressions for its motion are obtained explicitly under small-amplitude approximation. Optimal combinations of magnetic actuation frequency, torsion stiffness, and tail length for maximizing displacement, average speed, or energetic efficiency are obtained. The theoretical results are compared with reported experiments in several types of cargo-towing magnetic microswimmers.

  17. CONSIDERATIONS REGARDING EU LIFE INSURANCE MARKET

    OpenAIRE

    Ana Preda

    2012-01-01

    The main feature characterizing the development of the insurance system is globalization of world insurance market through a process of gradual liquidation of economic and legislative barriers between states. European insurance market analysis will be made through gross written premiums, insurance density and penetration, comparing European insurance market with the major regions markets of the world. The effects of financial crisis on the life insurance market of EU countries, and the place ...

  18. Business Cycle Dependent Unemployment Insurance

    DEFF Research Database (Denmark)

    Andersen, Torben M.; Svarer, Michael

    The consequences of business cycle contingencies in unemployment insurance systems are considered in a search-matching model allowing for shifts between "good" and "bad" states of nature. We show that not only is there an insurance argument for such contingencies, but there may also be an incentive...

  19. Income insurance in European agriculture

    NARCIS (Netherlands)

    Meuwissen, M.P.M.; Huirne, R.B.M.; Skees, J.R.

    2003-01-01

    The agricultural risk environment in Europe is changing, for example because of WTO agreements and governments increasingly withdrawing from disaster assistance in case of catastrophic events. In this context, some form of income insurance may be a useful risk management tool for farmers. Insuring f

  20. The Dutch health insurance reform.

    NARCIS (Netherlands)

    Groenewegen, P.; Zee, J. van der

    2006-01-01

    On 1 January 2006 a number of far-reaching changes in Dutch health insurance came into effect. A standard package was introduced, compulsory for everyone. Price competition between insurers and health care providers, as well as freedom of choice for consumers were introduced or extended. The aim of

  1. FOREIGN EXPERIENCE IN INTERNET INSURANCE OPERATION

    Directory of Open Access Journals (Sweden)

    A. Tlusta

    2015-04-01

    Full Text Available This paper examines the current state and characteristics of the relationship between the insurance entities in the implementation of online insurance in foreign countries. Studied the basic conditions and development trends of the Internet insurance market in the process of informatization of insurance companies. The basic concept of interaction between the subjects of the insurance market through the website were noticed. The study reveals the necessity and expediency of using new approaches of the acquisition of insurance services via Internet. The problems of implementation and development of online insurance remains valid for all countries, regardless of the state of the insurance market and the financial market as a whole.

  2. SHIP AND CARGO MORTGAGE, TWO DIFFERENT LEGAL VIEWPOINTS

    Directory of Open Access Journals (Sweden)

    Mohammad Abouata

    2015-05-01

    Full Text Available Although the subject-matter of cargo and ship mortgage are similar (providing financial security for creditors,the regulations of these contracts, differ from each other essentially with regard to the conditionality of taking possession in concluding the contract, the possibility of endorsement and cession in mortgage document, the creditor s kind of real right ,the preference of prior or latter creditor in vindication of right and the effect of mortgage loss on the contract and the possibility of recovery of claim. Moreover the cargo mortgage regulations are, in some regards and aspects, contrary to general legal rules and hence subject to criticism.

  3. Column generation approaches to ship scheduling with flexible cargo sizes

    DEFF Research Database (Denmark)

    Brønmo, Geir; Nygreen, Bjørn; Lysgaard, Jens

    cargo sizes to the column generation framework is not straightforward, and we handle the flexible cargo sizes heuristically when solving the subproblems. This leads to convergence issues in the branch-and-price search tree, and the optimal solution cannot be guaranteed. Hence we have introduced a method...... that generates an upper bound on the optimal objective. We have compared our method with an a priori column generation approach, and our computational experiments on real world cases show that the Dantzig-Wolfe approach is faster than the a priori generation of columns, and we are able to deal with...

  4. Shift designs for freight handling personnel at air cargo terminals

    DEFF Research Database (Denmark)

    Rong, Aiying; Grunow, Martin

    2009-01-01

    This paper presents an integrated mixed integer linear programming (MILP) model for determining manpower requirements and related personnel shift designs for the build-up and break-down of the unit load devices (ULDs) at the air cargo terminal to minimize manpower costs. To utilize the manpower...... resources efficiently, we implement a new mechanism for demand leveling. In addition, we consider the qualification hierarchy between build-up and break-down workers. A case study based on the real-life data shows that the model is useful for manpower planning at air cargo terminals and the integrated...

  5. SPECIFICS OF ORGANIZATIONAL AND FUNCTIONAL MECHANISM TO PROVIDE IMPLEMENTATION OF MARKETING STRATEGY OF CARGO HAULERS

    OpenAIRE

    Mitchenko, Galina

    2013-01-01

    Specifics of implementation of marketing strategy of cargo haulers are identified. Indicators of their marketing strategies’ efficiency are reviewed. The structure of organizational and functional mechanism of implementation of marketing strategies’ by cargo haulers is suggested.

  6. 75 FR 9915 - Extension of Agency Information Collection Activity Under OMB Review: Certified Cargo Screening...

    Science.gov (United States)

    2010-03-04

    ...-airport and includes facilties upstream in the air cargo supply chain, such as shippers, manufacturers... SECURITY Transportation Security Administration Extension of Agency Information Collection Activity Under OMB Review: Certified Cargo Screening Program AGENCY: Transportation Security Administration,...

  7. 76 FR 4709 - Extension of Agency Information Collection Activity Under OMB Review: Certified Cargo Screening...

    Science.gov (United States)

    2011-01-26

    ... off- airport and includes facilities upstream in the air cargo supply chain, such as shippers... supply chain to accept, screen, and transport air cargo. The uninterrupted collection of this information... SECURITY Transportation Security Administration Extension of Agency Information Collection Activity...

  8. 77 FR 25187 - Extension of Agency Information Collection Activity Under OMB Review: Certified Cargo Screening...

    Science.gov (United States)

    2012-04-27

    ... and include facilties upstream ] in the air cargo supply chain, such as shippers, manufacturers... SECURITY Transportation Security Administration Extension of Agency Information Collection Activity Under OMB Review: Certified Cargo Screening Program AGENCY: Transportation Security Administration,...

  9. 75 FR 66806 - Nationwide Life Insurance Company, et al.,

    Science.gov (United States)

    2010-10-29

    ... COMMISSION Nationwide Life Insurance Company, et al., Notice of Application October 25, 2010. AGENCY...: Nationwide Life Insurance Company (``NWL''), Nationwide Life and Annuity Insurance Company (``NLAIC... contracts and/or variable life insurance policies issued by the Insurance Companies (collectively,...

  10. Optimal social insurance with linear income taxation

    DEFF Research Database (Denmark)

    Bovenberg, Lans; Sørensen, Peter Birch

    2009-01-01

    We study optimal social insurance aimed at insuring disability risk in the presence of linear income taxation. Optimal disability insurance benefits rise with previous earnings. Optimal insurance is incomplete even though disability risks are exogenous and verifiable so that moral hazard in disab...... in disability insurance is absent. Imperfect insurance is optimal because it encourages workers to insure themselves against disability by working and saving more, thereby alleviating the distortionary impact of the redistributive income tax on labor supply and savings.......We study optimal social insurance aimed at insuring disability risk in the presence of linear income taxation. Optimal disability insurance benefits rise with previous earnings. Optimal insurance is incomplete even though disability risks are exogenous and verifiable so that moral hazard...

  11. Comparison of travel insurance offered by selected insurance companies in the Czech Republic

    OpenAIRE

    Seimlová, Nikola

    2013-01-01

    The bachelor thesis is a comparison of offers of travel insurance offered by insurance companies on the Czech market. In the analysis were selected two insurance companies, and insurance company Allianz and Generali. The first chapter focuses on general characteristics of basic terms in the insurance industry and the characteristics of individual services of travel insurance. In the second part of the thesis is an analysis of services of travel insurance and a performance of selected insuranc...

  12. INTRODUCTION OF INSURANCE REPOSITORY AS AN ALTERNATIVE OF INTERNET INSURANCE IN CLASSICAL MEANING: LEGISLATION ASPECTS

    Directory of Open Access Journals (Sweden)

    M. Malik

    2016-04-01

    Full Text Available This paper examines the legislation and regulation of insurance repositories. The basic conditions and requirements of creating and functioning of the new insurance market institute were studied. The basic requirements for managing personal of insurance repository were noticed. The study reveals the interaction mechanism of insurers and insured at the book-entry insurance policies turnover market via creation of the new institute, which is set to issue and control electronic insurance coverage.

  13. 46 CFR 154.705 - Cargo boil-off as fuel: General.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 5 2010-10-01 2010-10-01 false Cargo boil-off as fuel: General. 154.705 Section 154.705... Pressure and Temperature Control § 154.705 Cargo boil-off as fuel: General. (a) Each cargo boil-off fuel system under § 154.703(c) must meet §§ 154.706 through 154.709. (b) The piping in the cargo boil-off...

  14. 46 CFR 154.709 - Cargo boil-off as fuel: Gas detection equipment.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 5 2010-10-01 2010-10-01 false Cargo boil-off as fuel: Gas detection equipment. 154.709 Section 154.709 Shipping COAST GUARD, DEPARTMENT OF HOMELAND SECURITY (CONTINUED) CERTAIN BULK DANGEROUS... Equipment Cargo Pressure and Temperature Control § 154.709 Cargo boil-off as fuel: Gas detection...

  15. 46 CFR 154.708 - Cargo boil-off as fuel: Valves.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 5 2010-10-01 2010-10-01 false Cargo boil-off as fuel: Valves. 154.708 Section 154.708 Shipping COAST GUARD, DEPARTMENT OF HOMELAND SECURITY (CONTINUED) CERTAIN BULK DANGEROUS CARGOES SAFETY... Pressure and Temperature Control § 154.708 Cargo boil-off as fuel: Valves. (a) Gas fuel lines to the...

  16. 77 FR 21577 - Agency Information Collection Activities: Cargo Container and Road Vehicle Certification for...

    Science.gov (United States)

    2012-04-10

    ... SECURITY U.S. Customs and Border Protection Agency Information Collection Activities: Cargo Container and... collection requirement concerning the Cargo Container and Road Vehicle for Transport under Customs Seal. This...: Title: Cargo Container and Road Vehicle for Transport under Customs Seal. OMB Number: 1651-0124....

  17. 29 CFR 1918.83 - Stowed cargo; tiering and breaking down.

    Science.gov (United States)

    2010-07-01

    ... 29 Labor 7 2010-07-01 2010-07-01 false Stowed cargo; tiering and breaking down. 1918.83 Section... cargo; tiering and breaking down. (a) When necessary to protect personnel working in a hold, the employer shall secure or block stowed cargo that is likely to shift or roll. (b) In breaking down...

  18. 46 CFR 154.706 - Cargo boil-off as fuel: Fuel lines.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 5 2010-10-01 2010-10-01 false Cargo boil-off as fuel: Fuel lines. 154.706 Section 154... Equipment Cargo Pressure and Temperature Control § 154.706 Cargo boil-off as fuel: Fuel lines. (a) Gas fuel lines must not pass through accommodation, service, or control spaces. Each gas fuel line...

  19. 46 CFR 308.521 - Application for Open Cargo Policy, Form MA-301.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 8 2010-10-01 2010-10-01 false Application for Open Cargo Policy, Form MA-301. 308.521 Section 308.521 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR... for Open Cargo Policy, Form MA-301. The standard form of application for a War Risk Open Cargo...

  20. 46 CFR 154.650 - Cargo tank and process pressure vessel welding.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 5 2010-10-01 2010-10-01 false Cargo tank and process pressure vessel welding. 154.650... Equipment Construction § 154.650 Cargo tank and process pressure vessel welding. (a) Cargo tank and process pressure vessel welding must meet Subpart 54.05 and Part 57 of this chapter. (b) Welding consumables...

  1. 19 CFR 123.91 - Electronic information for rail cargo required in advance of arrival.

    Science.gov (United States)

    2010-04-01

    ... 19 Customs Duties 1 2010-04-01 2010-04-01 false Electronic information for rail cargo required in... for Cargo Arriving by Rail or Truck § 123.91 Electronic information for rail cargo required in advance of arrival. (a) General requirement. Pursuant to section 343(a), Trade Act of 2002, as amended (19...

  2. 46 CFR 154.701 - Cargo pressure and temperature control: General.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 5 2010-10-01 2010-10-01 false Cargo pressure and temperature control: General. 154.701 Section 154.701 Shipping COAST GUARD, DEPARTMENT OF HOMELAND SECURITY (CONTINUED) CERTAIN BULK DANGEROUS... Equipment Cargo Pressure and Temperature Control § 154.701 Cargo pressure and temperature control:...

  3. 46 CFR 153.370 - Minimum relief valve setting for ambient temperature cargo tanks.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 5 2010-10-01 2010-10-01 false Minimum relief valve setting for ambient temperature... temperature cargo tanks. The relief valve setting for a containment system that carries a cargo at ambient temperature must at least equal the cargo's vapor pressure at 46 °C (approx. 115 °F)....

  4. 46 CFR 91.60-5 - Cargo Ship Safety Construction Certificate.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 4 2010-10-01 2010-10-01 false Cargo Ship Safety Construction Certificate. 91.60-5..., 1974 § 91.60-5 Cargo Ship Safety Construction Certificate. (a) All vessels on an international voyage are required to have a Cargo Ship Safety Construction Certificate. This certificate shall be issued...

  5. 46 CFR 189.60-5 - Cargo Ship Safety Construction Certificate.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 7 2010-10-01 2010-10-01 false Cargo Ship Safety Construction Certificate. 189.60-5..., 1974 § 189.60-5 Cargo Ship Safety Construction Certificate. (a) All vessels on an international voyage are required to have a Cargo Ship Safety Construction Certificate. This certificate shall be issued...

  6. Bicaudal-D: Switching motors, cargo and direction

    NARCIS (Netherlands)

    G.D. Splinter (Daniël)

    2008-01-01

    textabstractScope of this thesis Transport of vesicles and organelles is an essential cellular process. Proteins like Rab GTPases, specialized adaptor proteins and motor proteins are involved in targeting and movement of cargos to their destination. This thesis describes the function of the mammalia

  7. Transportation of Nanoscale Cargoes by Myosin Propelled Actin Filaments

    NARCIS (Netherlands)

    Persson, Malin; Gullberg, Maria; Tolf, Conny; Lindberg, A. Michael; Mansson, Alf; Kocer, Armagan

    2013-01-01

    Myosin II propelled actin filaments move ten times faster than kinesin driven microtubules and are thus attractive candidates as cargo-transporting shuttles in motor driven lab-on-a-chip devices. In addition, actomyosin-based transportation of nanoparticles is useful in various fundamental studies.

  8. 49 CFR 1548.9 - Acceptance of cargo.

    Science.gov (United States)

    2010-10-01

    ... 49 Transportation 9 2010-10-01 2010-10-01 false Acceptance of cargo. 1548.9 Section 1548.9..., DEPARTMENT OF HOMELAND SECURITY CIVIL AVIATION SECURITY INDIRECT AIR CARRIER SECURITY § 1548.9 Acceptance of... program. (b) Refusal to transport. Each indirect air carrier must refuse to offer for transport on...

  9. Mars Hybrid Propulsion System Trajectory Analysis. Part II; Cargo Missions

    Science.gov (United States)

    Chai, Patrick R.; Merrill, Raymond G.; Qu, Min

    2015-01-01

    NASA's Human Spaceflight Architecture Team is developing a reusable hybrid transportation architecture in which both chemical and electric propulsion systems are used to send crew and cargo to Mars destinations such as Phobos, Deimos, the surface of Mars, and other orbits around Mars. By combining chemical and electrical propulsion into a single spaceship and applying each where it is more effective, the hybrid architecture enables a series of Mars trajectories that are more fuel-efficient than an all chemical architecture without significant increases in flight times. This paper shows the feasibility of the hybrid transportation architecture to pre-deploy cargo to Mars and Phobos in support of the Evolvable Mars Campaign crew missions. The analysis shows that the hybrid propulsion stage is able to deliver all of the current manifested payload to Phobos and Mars through the first three crew missions. The conjunction class trajectory also allows the hybrid propulsion stage to return to Earth in a timely fashion so it can be reused for additional cargo deployment. The 1,100 days total trip time allows the hybrid propulsion stage to deliver cargo to Mars every other Earth-Mars transit opportunity. For the first two Mars surface mission in the Evolvable Mars Campaign, the short trip time allows the hybrid propulsion stage to be reused for three round-trip journeys to Mars, which matches the hybrid propulsion stage's designed lifetime for three round-trip crew missions to the Martian sphere of influence.

  10. Integrated cargo routing and ship scheduling in liner shipping

    DEFF Research Database (Denmark)

    Kjeldsen, Karina Hjortshøj

    The problem consists of creating routes and schedules for a heterogeneous fleet of ships while determining the cargo routing and the speed for all relevant port pair/ship combinations. Transshipment is allowed in ports with transshipment capabilities. The service frequency is fixed at one week...

  11. 33 CFR 157.132 - Cargo tanks: Hydrocarbon vapor emissions.

    Science.gov (United States)

    2010-07-01

    ... SECURITY (CONTINUED) POLLUTION RULES FOR THE PROTECTION OF THE MARINE ENVIRONMENT RELATING TO TANK VESSELS CARRYING OIL IN BULK Crude Oil Washing (COW) System on Tank Vessels Design, Equipment, and Installation § 157.132 Cargo tanks: Hydrocarbon vapor emissions. Each tank vessel having a COW system under §...

  12. 19 CFR 122.48 - Air cargo manifest.

    Science.gov (United States)

    2010-04-01

    ... AIR COMMERCE REGULATIONS Aircraft Entry and Entry Documents; Electronic Manifest Requirements for... paragraphs (d) and (e) of this section, an air cargo manifest need not be filed or retained aboard the... air express or freight shall be manifested as other air express or freight. (e) Accompanied baggage...

  13. Combining technologies - radiography and neutron based - for cargo security applications

    International Nuclear Information System (INIS)

    Inspection of air and sea cargo has traditionally been done by X-ray systems of various energies relying on operators to analyze images looking for anomalies in the image of cargo that may signify a threat. This has shown only limited success in detecting explosives and other threats, which do not have any distinctive shapes. OSI Systems, through its subsidiaries Rapiscan and Ancore, has combined high-energy x-ray radiography with thermal neutron analysis (TNA) to create the combined system-''TNX''. The system provides automatic material specific detection of bulk threat items, like explosives, while furnishing the operator with a high-resolution image for weapons detection and also to identify anomalies for the TNA to inspect. Similarly the Pulsed Fast Neutron Analysis (PFNA) can be combined with high-energy x-ray to create a ''FNX'' system for both air and sea cargo applications. This enables the operator obtain a three dimensional image of the material composition of the cargo under inspection and remove the clutter from the image leaving only the potentially hazardous material(s) automatically while viewing a high resolution image for manifest verification and weapons. The current status of the technology will be discussed and data be presented

  14. 46 CFR 151.20-5 - Cargo system valving requirements.

    Science.gov (United States)

    2010-10-01

    ... operated quick closing shutoff valve shall be installed at each cargo hose connection when in use. (3) No... required quick closing shutoff valves shall be such that the valves may be operated from at least two... will cause the quick closing shutoff valves to close in case of fire. Quick closing shutoff...

  15. Study on Alternative Cargo Launch Options from the Lunar Surface

    Energy Technology Data Exchange (ETDEWEB)

    Cheryl A. Blomberg; Zamir A. Zulkefli; Spencer W. Rich; Steven D. Howe

    2013-07-01

    In the future, there will be a need for constant cargo launches from Earth to Mars in order to build, and then sustain, a Martian base. Currently, chemical rockets are used for space launches. These are expensive and heavy due to the amount of necessary propellant. Nuclear thermal rockets (NTRs) are the next step in rocket design. Another alternative is to create a launcher on the lunar surface that uses magnetic levitation to launch cargo to Mars in order to minimize the amount of necessary propellant per mission. This paper investigates using nuclear power for six different cargo launching alternatives, as well as the orbital mechanics involved in launching cargo to a Martian base from the moon. Each alternative is compared to the other alternative launchers, as well as compared to using an NTR instead. This comparison is done on the basis of mass that must be shipped from Earth, the amount of necessary propellant, and the number of equivalent NTR launches. Of the options, a lunar coil launcher had a ship mass that is 12.7% less than the next best option and 17 NTR equivalent launches, making it the best of the presented six options.

  16. 19 CFR 4.62 - Accounting for inward cargo.

    Science.gov (United States)

    2010-04-01

    ... 19 Customs Duties 1 2010-04-01 2010-04-01 false Accounting for inward cargo. 4.62 Section 4.62 Customs Duties U.S. CUSTOMS AND BORDER PROTECTION, DEPARTMENT OF HOMELAND SECURITY; DEPARTMENT OF THE TREASURY VESSELS IN FOREIGN AND DOMESTIC TRADES Foreign Clearances § 4.62 Accounting for inward...

  17. 77 FR 65395 - Air Cargo Advance Screening (ACAS) Pilot Program

    Science.gov (United States)

    2012-10-26

    ... From the Federal Register Online via the Government Publishing Office DEPARTMENT OF HOMELAND SECURITY U.S. Customs and Border Protection Air Cargo Advance Screening (ACAS) Pilot Program Correction In notice document 2012-26031 appearing on pages 65006-65009 in the issue of October 24, 2012 make...

  18. Life insurance after malignant disease.

    Science.gov (United States)

    Fitzgerald, R H

    1981-11-01

    Forty-five life insurance companies responded to a questionnaire on insurance industry attitudes towards patients with a history of malignancy other than skin carcinoma. Although the criteria for acceptance, provisions of the policy, and philosophy about adjuvant treatment varied, all companies would underwrite such patients provided that at application there was no evidence of persistent or recurrent disease or severe complications of therapy. The concept of excess mortality (observed death rates versus standard expected death rates) is used with other factors in calculating premiums. Legal and ethical responsibilities of physicians associated with insurance applications are briefly discussed.

  19. Environmental pollution risk and insurance

    OpenAIRE

    Fragnelli, Vito; Marina, Maria Erminia

    2002-01-01

    We consider environmental risks that are evaluated too much heavy for a single insurance company, but they can be insured by n companies which a premium is assigned to.This is precisely the Italian scenario where a pool of companies co-insures these risks.Under a game theoretic approach we start by analyzing how they should split the risk and the premium in order to be better off. Under suitable hypotheses, there exists an optimal decomposition of the risk, that allow us to define a cooperati...

  20. Willingness to Pay for Insurance in Denmark

    DEFF Research Database (Denmark)

    Hansen, Jan V.; Højbjerg Jacobsen, Rasmus; Lau, Morten I.

    We estimate the maximum amount that Danish households are willing to pay for three different types of insurance: auto, home and house insurance. We use a unique combination of claims data from the largest private insurance company in Denmark, measures of individual risk attitudes and discount rates...... of the insurance claims....

  1. 78 FR 14034 - Health Insurance Providers Fee

    Science.gov (United States)

    2013-03-04

    ... applicable to student health insurance, see Student Health Insurance Coverage, 77 FR 16453, 16455-56 (March... definition of covered entity is also Sec. 2520.101-2(c)(2)(ii)(B) (RIN 1210-AB51). See 76 FR 76222. If and... health insurance coverage under the Public Health Service Act and ACA). 3. Travel Insurance The...

  2. 38 CFR 36.4329 - Hazard insurance.

    Science.gov (United States)

    2010-07-01

    ... 38 Pensions, Bonuses, and Veterans' Relief 2 2010-07-01 2010-07-01 false Hazard insurance. 36.4329... GUARANTY Guaranty or Insurance of Loans to Veterans With Electronic Reporting § 36.4329 Hazard insurance. The holder shall require insurance policies to be procured and maintained in an amount sufficient...

  3. 24 CFR 206.15 - Insurance.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance. 206.15 Section 206.15... MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES HOME EQUITY CONVERSION MORTGAGE INSURANCE Eligibility; Endorsement § 206.15 Insurance. Mortgages originated under...

  4. 12 CFR 741.212 - Share insurance.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Share insurance. 741.212 Section 741.212 Banks... INSURANCE Regulations Codified Elsewhere in NCUA's Regulations as Applying to Federal Credit Unions That Also Apply to Federally Insured State-Chartered Credit Unions § 741.212 Share insurance. (a)...

  5. 12 CFR 741.216 - Flood insurance.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Flood insurance. 741.216 Section 741.216 Banks... INSURANCE Regulations Codified Elsewhere in NCUA's Regulations as Applying to Federal Credit Unions That Also Apply to Federally Insured State-Chartered Credit Unions § 741.216 Flood insurance. Any...

  6. 24 CFR 201.31 - Insurance charge.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance charge. 201.31 Section... DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES TITLE I PROPERTY IMPROVEMENT AND MANUFACTURED HOME LOANS Insurance of Loans § 201.31 Insurance charge....

  7. 7 CFR 1788.3 - Flood insurance.

    Science.gov (United States)

    2010-01-01

    ... Flood Insurance Program (see 44 CFR part 59 et seq.) provides for a standard flood insurance policy... 7 Agriculture 12 2010-01-01 2010-01-01 false Flood insurance. 1788.3 Section 1788.3 Agriculture... (CONTINUED) RUS FIDELITY AND INSURANCE REQUIREMENTS FOR ELECTRIC AND TELECOMMUNICATIONS BORROWERS...

  8. 7 CFR 4279.143 - Insurance.

    Science.gov (United States)

    2010-01-01

    ... insurance is required in accordance with 7 CFR, part 1806, subpart B (FmHA Instruction 426.2, available in... 7 Agriculture 15 2010-01-01 2010-01-01 false Insurance. 4279.143 Section 4279.143 Agriculture... Insurance. (a) Hazard. Hazard insurance with a standard mortgage clause naming the lender as...

  9. 46 CFR 326.3 - Insured.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 8 2010-10-01 2010-10-01 false Insured. 326.3 Section 326.3 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION A-NATIONAL SHIPPING AUTHORITY MARINE PROTECTION AND INDEMNITY INSURANCE UNDER AGREEMENTS WITH AGENTS § 326.3 Insured. The insureds are: The United States of...

  10. WORLD INSURANCE MARKET DEVELOPMENT UNDER DIGITALIZATION

    Directory of Open Access Journals (Sweden)

    T. Motashko

    2016-06-01

    Full Text Available The role of digitalization in the insurance market is investigated, the advantages of digital technology to the insurance market are considered. The main trends of world insurance market under digitalization are analyzed. Key landmarks of insurance companies in modern conditions are distinguished.

  11. INSURANCE PROTECTION AS A QUASISOCIETY GOOD

    OpenAIRE

    Bazilevich, K.

    2008-01-01

    The article deals with an interrelation between voluntary insurance that takes aim at personal gains and compulsory insurance that aspires social advantage in their unity and contradictory correlation. Importance of each of the insurance kinds is shown as to the broadest insurance coverage of the population of a country.

  12. Insurance and Prevention: Why and How?

    Science.gov (United States)

    Ungarelli, Donald L.

    1984-01-01

    Stressing importance of insurance coverage for the buildings and contents of libraries, this article covers insurance history, the modern insurance industry, examples of loss experiences, prevention and preparedness, risk management, appraisals and valuations of property, insurance options, and lack of recognition of protective and preventive…

  13. 24 CFR 241.805 - Insurance premiums.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance premiums. 241.805 Section... Without a HUD-Insured or HUD-Held Mortgage Premiums § 241.805 Insurance premiums. (a) First premium. The... insurance premium equal to one percent of the original face amount of the note. (b) Second premium....

  14. 24 CFR 220.804 - Insurance premiums.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance premiums. 220.804 Section... and Obligations-Projects Insured Project Improvement Loans § 220.804 Insurance premiums. (a) First premium. The lender, upon the initial endorsement of the loan for insurance, shall pay to the...

  15. 34 CFR 682.505 - Insurance premium.

    Science.gov (United States)

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Insurance premium. 682.505 Section 682.505 Education... § 682.505 Insurance premium. (a) General. The Secretary charges the lender an insurance premium for each Federal GSL Program loan that is guaranteed, except that no insurance premium is charged on a...

  16. INSURANCE MARKET. GENERAL CONSIDERATIONS OF INSURANCES IN ROMANIA

    Directory of Open Access Journals (Sweden)

    MARINEL NEDELUŢ

    2013-10-01

    Full Text Available Insurance is a contract made by a company or society, or by the state, to provide a guarantee for loss, damage, illness, death etc in return for regular payments. In other words it is a means by which one pays a relatively small known cost for protection against an uncertain and much larger cost. Still, this contract (insurance policy makes it possible for the insured to cover only losses that are measurable in terms of money and caused strictly by hazardous events, independent from own doing. If no such events should happen, the benefits won’t exist in a tangible, material form, but will take the shape of security against ruin. Since the insurance industry has developed more during the last decade due to the powerful players that have entered the market, the services provided by the insurance companies, and not only their products have evolved a lot in order to meet the requirements of the consumers, and to make them familiar with this type of investments. Therefore all the means of advertising became essential in this process of implementation and familiarization with this area of activity: mass-media advertising, insurance brokerage companies, the internet are all parts of this process.

  17. 41 CFR 60-741.25 - Health insurance, life insurance and other benefit plans.

    Science.gov (United States)

    2010-07-01

    ... 41 Public Contracts and Property Management 1 2010-07-01 2010-07-01 true Health insurance, life insurance and other benefit plans. 60-741.25 Section 60-741.25 Public Contracts and Property Management... Health insurance, life insurance and other benefit plans. (a) An insurer, hospital, or medical...

  18. 78 FR 58264 - Servicemembers' Group Life Insurance and Veterans' Group Life Insurance Information Access

    Science.gov (United States)

    2013-09-23

    ... AFFAIRS 38 CFR Part 9 RIN 2900-AO42 Servicemembers' Group Life Insurance and Veterans' Group Life... Insurance (SGLI), Family SGLI, SGLI Traumatic Injury Protection, and Veterans' Group Life Insurance (all...-AO42 Servicemembers' Group Life Insurance and Veterans' Group Life Insurance Information...

  19. 76 FR 77455 - Servicemembers' Group Life Insurance and Veterans' Group Life Insurance-Slayer's Rule Exclusion

    Science.gov (United States)

    2011-12-13

    ... AFFAIRS 38 CFR Part 9 RIN 2900-AN40 Servicemembers' Group Life Insurance and Veterans' Group Life...' Group Life Insurance (``SGLI'') and Veterans' Group Life Insurance (``VGLI'') to prohibit payment of insurance proceeds payable because of the death of a person whose life was insured under SGLI or...

  20. 76 FR 77442 - Mutual Insurance Holding Company Treated as Insurance Company

    Science.gov (United States)

    2011-12-13

    ... premiums. The mutual insurance holding company structure was first created in Iowa in 1995.\\7\\ A mutual...-entity structure, initially the mutual insurance holding company owns 100% of the intermediate insurance... CORPORATION 12 CFR Part 380 RIN 3064-AD89 Mutual Insurance Holding Company Treated as Insurance Company...

  1. Role of nuclear insurance in US

    International Nuclear Information System (INIS)

    Private insurance companies developed means to provide first-tier nuclear coverage to operators of power plants and other nuclear facilities; US Government initially provided second tier. US insurance companies chose 'pooling' technique as means to provide large amounts of insurance capacity by spreading the risk over a number of insurance companies. Classic example of nuclear risk that presents low frequency, high severity loss potential. Insurers usually spread their risk over a large, fairly stable premium base, as with automobile insurance. The American Nuclear Insurers (ANI) and its roles are introduced in this article

  2. FEMA Flood Insurance Studies Inventory

    Data.gov (United States)

    Kansas Data Access and Support Center — This digital data set provides an inventory of Federal Emergency Management Agency (FEMA) Flood Insurance Studies (FIS) that have been conducted for communities and...

  3. Working out of generalized dynamic model of cargo fixation with cargo pads jointly with flexible and thrust elements under the action spatial force system

    OpenAIRE

    Khabibulla TURANOV; Elena TIMUKHINA

    2011-01-01

    The article gives an account of the results of working out a generalized dynamic model of fixation of cargo with pads jointly with flexible and thrust elements. Working out a generalized dynamic model of cargo fixation is rather a complicated problem not in the sense of solving differential equations systems but in the sense of presenting them as a complex mechanical system “cargo – pads – flexible elements – thrust bars”. Generalized dynamic model of cargo with pads observed that this model ...

  4. Personal Values of Insurance Executives

    OpenAIRE

    Joe H. Murrey Jr.; Sami M. Abbasi; Kenneth W. Hollman

    1986-01-01

    Personal values are a basic component of our personality. When such values are held uncritically by those in powerful positions, but are not explicit and not articulated, they may contain the seeds of severe organizational and social disruption. In insurance, one need look no further than the Equity Funding fraud to find what can happen when values of insurance executives are misguided and they undertake irresponsible and unethical actions that undermine the public's confidence and trust in t...

  5. Wealth Effects on Demand for Insurance

    OpenAIRE

    Aase, Knut K.

    2007-01-01

    A standard result states that under decreasing absolute risk aversion the indifference premium of the insured is a decreasing function of wealth. This has been interpreted to mean that insurance is an inferior good, which has been considered as a puzzle in insurance theory, in particular since the result does not seem to explain observed behavior in insurance markets. We reformulate the standard model of risk sharing to incorporate the amount invested in the insurable asset. From this we ...

  6. SERBIAN INSURANCE MARKET – SELECT ISSUES

    OpenAIRE

    Obadović Mirjana M.; Avdaliović Veselin; Obadović Milica D.

    2010-01-01

    Every day insurance companies face a number of risks arising from the insurance industry itself, as well as risks arising from insurance company operations. In this constant fight against risks insurance companies use different models and methods that help them better understand, have a more comprehensive view of, and develop greater tolerance towards risks, in order to reduce their exposure to these risks. The model presented in this paper has been developed for implementation in insur...

  7. Business Ethics in Insurance Industry in Nigeria

    OpenAIRE

    Isimoya O.

    2014-01-01

    This study conceptually x-rayed the insurance practice in Nigeria, particularly the non-adherence to business ethics philosophy in their operations. Though Nigeria potentially has the largest insurance market in the African continent, she trails behind South Africa, Egypt, and Morocco in insurance market premium volume in 2011. This study revealed that unethical practices holds sway in the industry, resulting in lost of confidence, poor insurance patronage and stunted growth for insurance ind...

  8. Social insurance for health service.

    Science.gov (United States)

    Roemer, M I

    1997-06-01

    Implementation of social insurance for financing health services has yielded different patterns depending on a country's economic level and its government's political ideology. By the late 19th century, thousands of small sickness funds operated in Europe, and in 1883 Germany's Chancellor Bismarck led the enactment of a law mandating enrollment by low-income workers. Other countries followed, with France completing Western European coverage in 1928. The Russian Revolution in 1917 led to a National Health Service covering everyone from general revenues by 1937. New Zealand legislated universal population coverage in 1939. After World War II, Scandinavian countries extended coverage to everyone and Britain introduced its National Health Service covering everyone with comprehensive care and financed by general revenues in 1948. Outside of Europe Japan adopted health insurance in 1922, covering everyone in 1946. Chile was the first developing country to enact statutory health insurance in 1924 for industrial workers, with extension to all low-income people with its "Servicio Nacional de Salud" in 1952. India covered 3.5 percent of its large population with the Employees' State Insurance Corporation in 1948, and China after its 1949 revolution developed four types of health insurance for designated groups of workers and dependents. Sub-Saharan African countries took limited health insurance actions in the late 1960s and 1970s. By 1980, some 85 countries had enacted social security programs to finance or deliver health services or both.

  9. Environmental pollution and liability insurance

    International Nuclear Information System (INIS)

    By the declared will of the legislative bodies to give effect to the polluter pays principle on all levels those have to pay the costs of removing impairments of environmental media that are responsible for its occurence. Thus environmental pollution becomes a considerable financial risk for the polluter. Against this risk they try to protect themselves by the corresponding precautionary measures, e.g. by insurance. The insurance industry is consequently requested to meet this new demand. The legal bases are followed by the description of the insurance relationship under the aspect of the theory of risks, which follows, based on the basic model of decision theory, the objective of a quantitative representation of the situation of the decision. In the last chapter the author deals with the financial security for the risks of a third party liability insurance of environmental pollution as it is offered today in the Federal Republic of Germany. The elaboration of the existing financial security is then compared with the legal conditions of liability. In doing this the author describes cases not covered by financial security and its definition by comparison with findings of risk theory. As a result it becomes obvious that numerous exclusions of risks could quite good be included in the financial security and that the argument of the impossibility to insure often put forward by the insurers to justify the exclusion of risks can neither theoretically nor practically be uphold. (orig./HSCH)

  10. 12 CFR 362.3 - Activities of insured State banks.

    Science.gov (United States)

    2010-01-01

    ... insurance company, provided that the savings bank life insurance company provides written disclosures to purchasers or potential purchasers of life insurance policies, other insurance products, and annuities that... insurance coverage for insured depository institutions. (B) Stock of savings bank life insurance company.......

  11. 46 CFR 153.490 - Cargo Record Book and Approved Procedures and Arrangements Manual: Categories A, B, C, and D.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 5 2010-10-01 2010-10-01 false Cargo Record Book and Approved Procedures and... Cargo Record Book and Approved Procedures and Arrangements Manual: Categories A, B, C, and D. (a) Unless... carry NLS cargo, a ship must have— (1) If U.S., a Cargo Record Book published by the Coast Guard...

  12. BEHAVIORAL ASPECTS IN INSURANCE MARKET

    Directory of Open Access Journals (Sweden)

    Stroe Andreea

    2013-07-01

    In this paper there are showed and debated some situation in which psychological effects like loss aversion, reference point, status-quo and framming effects can influence the deccision of the consumer and are not consistent with the standard economic model.In addition to this aspects, Cumulative Prspect Theory enhance the fact that decision makers overestimate low peobabilities and underestimate high probabilities,thus buying inadequate insurance in many situation.in thiss sense, in order to support this idea I tried to make a qualitative presentation of the model used on the insurance market using Prelec function which is the function related with the Cumulative Prospect Theory which can be used in the insurance context.The weak points of the theory of expected utility are explained through this new perspectives and nevertheless aspects like insensivity to bad news concerning incomes,elasticity of price,displacements of status-quo and default,disposition effect and equity premium are taken into consideration.As example,I chose a Kunreuther experiment about insurance decision in with is underlyined the fact that for moderate risk people buy insurance with premiums that exceed the expected loss.There are demands for low deductibles in the the markets for extended guarantees and insurances for mobile phones where was observed that the insurance underwriting rate increases with the probability of loss keeping the expected loss constant.It is better to mention that the theory and the model that are presented here comes as complementary to the economic standard theory not as a substitute.

  13. Thermoresponsive microcapsules for controlled release of hydrophilic cargo

    Science.gov (United States)

    Amstad, Esther; Weitz, David

    2012-02-01

    Thermoresponsive microcapsules that collapse upon increasing the temperature above their lower critical solution temperature (LCST) such as poly(N-isopropyl acrylamide) (PNIPAM) capsules are well known. However, capsules consisting of thermoresponsive polymers that possess an upper critical solution temperature (UCST) and therefore swell upon increasing the temperature above their UCST are scarce. We will present a microfluidic method to assemble thermoresponsive poly([2-(methacryloyloxy)-ethyl]-dimethyl-[3-sulfopropyl-ammoniumhzdroxide) (PMEDSH) microcapsules that have UCST. These capsules are in a collapsed state at room temperature and become highly water permeable upon increasing the temperature above the UCST. To simultaneously allow for encapsulation of hydrophilic cargo and enable the water based polymerization reaction of the PMEDSH shell, these microcapsules are assembled as water/water/oil emulsions using capillary microfluidic devices. The resulting PMEDSH microcapsules are envisaged as delivery vehicles and microreactors that allow for temperature induced controlled release of hydrophilic cargo. .

  14. Variable Structure Control of Catastrophic Course in Airdropping Heavy Cargo

    Institute of Scientific and Technical Information of China (English)

    Zhang Huiyuan; Shi Zhongke

    2009-01-01

    The mathematical model of a transport aircraft would be subjected to a sudden change when heavy cargo is dropped off in airdropping, which exerts serious influences upon the safety of the aircraft. A variable structure controller is specially designed for handling the airdrop process. The nonlinear system is linearized by input-output feedback linearization using differential geometry theories. On this basis, an inner loop system for velocity and attitude tracking control is designed by using the exponentially approaching rule of the variable structure theory. The whole flight control system is integrated with the outer loop flight altitude control. Digital simulation evidences the applicability of the system to potentially catastrophic course in airdropping heavy cargo and provides robustness against system parameter perturbation.

  15. Implementation of cargo MagLev in the United States

    Energy Technology Data Exchange (ETDEWEB)

    Rose, Chris R [Los Alamos National Laboratory; Peterson, Dean E [Los Alamos National Laboratory; Leung, Eddie M [MAGTEC ENGINEERING

    2008-01-01

    Numerous studies have been completed in the United States, but no commercial MagLev systems have been deployed. Outside the U.S., MagLev continues to attract funding for research, development and implementation. A brief review of recent global developments in MagLev technology is given followed by the status of MagLev in the U.S. The paper compares the cost of existing MagLev systems with other modes of transport, notes that the near-term focus of MagLev development in the U.S. should be for cargo, and suggests that future MagLev systems should be for very high speed cargo. The Los Angeles to Port of Los Angeles corridor is suggested as a first site for implementation. The benefits of MagLev are described along with suggestions on how to obtain funding.

  16. Drug coverage insurance as a novel element of private health insurance in Poland.

    Science.gov (United States)

    Czerw, Aleksandra; Religioni, Urszula

    2013-01-01

    In recent years, there have been observed increased costs of health care in Poland. The patient's out of pocket expenses on drug have grown too. To the above, the insurance companies have offered patients drug coverage insurance policies since recently. Drug insurance policy covers the cost of purchasing pharmaceutical products not reimbursed by the National Health Fund is a modern product on the Polish health insurance market. The aim of the article is to characterize drug coverage insurance policies on the health insurance market in Poland. The Polish insurance market and entities offered these types of insurance are also presented.

  17. August Passenger and Cargo Numbers Set New Highs

    Institute of Scientific and Technical Information of China (English)

    2004-01-01

    @@ Passenger and cargo numbers set new highs in August, the second consecutive month that both areas of operation at Dragonair posted record figures. The airline flew 444,498 passengers in August to record its third consecutive monthly record. The number was 7.7%higher than in July, with travel in both months driven by holiday traffic. August 15 saw a new daily mark set, with 17,220passengers carried on the day.

  18. SHIP AND CARGO MORTGAGE, TWO DIFFERENT LEGAL VIEWPOINTS

    OpenAIRE

    Mohammad Abouata

    2015-01-01

    Although the subject-matter of cargo and ship mortgage are similar (providing financial security for creditors),the regulations of these contracts, differ from each other essentially with regard to the conditionality of taking possession in concluding the contract, the possibility of endorsement and cession in mortgage document, the creditor s kind of real right ,the preference of prior or latter creditor in vindication of right and the effect of mortgage loss on the contract and the pos...

  19. SIMULATION OF CARGO CONTAINER INTERROGATION BY D-D NEUTRONS

    International Nuclear Information System (INIS)

    High fidelity, three-dimensional computer models based on a CAD drawing of an intermodal cargo container, representative payload objects, and detector array panels were developed to simulate the underlying physical events taking place during active interrogation. These computer models are used to assess the performance of interrogation systems with different sources and detection schemes. In this presentation, we will show that the use oversimplified models, such as analyzing homogenized payloads only, can lead to errors in determining viable approaches for interrogation

  20. Hydrogel Walkers with Electro-Driven Motility for Cargo Transport

    OpenAIRE

    Chao Yang; Wei Wang; Chen Yao; Rui Xie; Xiao-Jie Ju; Zhuang Liu; Liang-Yin Chu

    2015-01-01

    In this study, soft hydrogel walkers with electro-driven motility for cargo transport have been developed via a facile mould-assisted strategy. The hydrogel walkers consisting of polyanionic poly(2-acrylamido-2-methylpropanesulfonic acid-co-acrylamide) exhibit an arc looper-like shape with two “legs” for walking. The hydrogel walkers can reversibly bend and stretch via repeated “on/off” electro-triggers in electrolyte solution. Based on such bending/stretching behaviors, the hydrogel walkers ...

  1. The Application Model of Moving Objects in Cargo Delivery System

    Institute of Scientific and Technical Information of China (English)

    ZHANG Feng-li; ZHOU Ming-tian; XU Bo

    2004-01-01

    The development of spatio-temporal database systems is primarily motivated by applications which track and present mobile objects. In this paper, solutions for establishing the moving object database based on GPS/GIS environment are presented, and a data modeling of moving object is given by using Temporal logical to extent the query language, finally the application model in cargo delivery system is shown.

  2. SIMULATION OF CARGO CONTAINER INTERROGATION BY D-D NEUTRONS

    Energy Technology Data Exchange (ETDEWEB)

    Lou, Tak Pui; Antolak, Arlyn

    2007-02-15

    High fidelity, three-dimensional computer models based on a CAD drawing of an intermodal cargo container, representative payload objects, and detector array panels were developed to simulate the underlying physical events taking place during active interrogation. These computer models are used to assess the performance of interrogation systems with different sources and detection schemes. In this presentation, we will show that the use oversimplified models, such as analyzing homogenized payloads only, can lead to errors in determining viable approaches for interrogation.

  3. Optimizing an undulating magnetic microswimmer for cargo towing

    Science.gov (United States)

    Or, Yizhar; Gutman, Emiliya

    2015-11-01

    One of the promising applications of robotic microswimmers is towing a cargo for controlled drug delivery, micro-surgery or tumor detection. This capability has been demonstrated by the magnetically-actuated microswimmer of Dreyfus et al. [Nature 2005] in which a red blood cell was attached to a chain of magnetic beads connected by flexible DNA links. A key question is what should be the optimal size of the magnetic tail for towing a given cargo. This question is addressed here for the simplest theoretical model of a magnetic microswimmer under planar undulations - a spherical load connected by a torsion spring to a magnetized rigid slender link. The swimmer's dynamics is formulated assuming negligible hydrodynamic interaction and leading-order expressions for the resulting motion are obtained explicitly under small amplitude approximation. Optimal combinations of magnetic actuation frequency, torsion stiffness, and tail length for maximizing displacement or average speed are obtained. The theoretical results are compared with several reported magnetic microswimmers, and also agree qualitatively with recent results on cargo towing by screw rotation of magnetic helical tails [Walker et al., ACS Nano Letters 2015]. This work is supported by the Israeli Science Foundation (ISF) under Grant No. 567/14.

  4. Diffusion-Limited Cargo Loading of an Engineered Protein Container.

    Science.gov (United States)

    Zschoche, Reinhard; Hilvert, Donald

    2015-12-30

    The engineered bacterial nanocompartment AaLS-13 is a promising artificial encapsulation system that exploits electrostatic interactions for cargo loading. In order to study its ability to take up and retain guests, a pair of fluorescent proteins was developed which allows spectroscopic determination of the extent of encapsulation by Förster resonance energy transfer (FRET). The encapsulation process is generally complete within a second, suggesting low energetic barriers for proteins to cross the capsid shell. Formation of intermediate aggregates upon mixing host and guest in vitro complicates capsid loading at low ionic strength, but can be sidestepped by increasing salt concentrations or diluting the components. Encapsulation of guests is completely reversible, and the position of the equilibrium is easily tuned by varying the ionic strength. These results, which challenge the notion that AaLS-13 is a continuous rigid shell, provide valuable information about cargo loading that will guide ongoing efforts to engineer functional host-guest complexes. Moreover, it should be possible to adapt the protein FRET pair described in this report to characterize functional capsid-cargo complexes generated by other encapsulation systems.

  5. Cargo-Positioning System for Next-Generation Spacecraft

    Science.gov (United States)

    Holladay, Jon; Colton, Jonathan

    2006-01-01

    A report discusses a proposed system for mounting loaded pallets in the cargo bay of a next-generation space-shuttle-like spacecraft, such that the center of mass of the cargo would lie within a 1-in. (2.54-cm) cube that would also contain the center of mass of the spacecraft. The system would include (1) an algorithm for planning the locations of the pallets, given the geometric and weight properties of the pallets, and the geometric restrictions of the cargo bay; (2) quick-connect/quick-disconnect mounting mechanisms similar to those now used on air hoses; (3) other mounting mechanisms, comprising mostly spring-loaded pins, in a locking subsystem that would prevent shifting of the pallets under load; and (4) mechanisms for performing fine position adjustments to satisfy the center-of-mass requirement. The position- adjusting mechanisms would be motor-driven lead-screw mechanisms in groups of three - one for positioning each pin of the locking subsystem along each of three mutually perpendicular coordinate axes. The system also would include a triple-threaded screw that would provide compensation for thermal expansion or contraction of the spacecraft.

  6. Calcium and cargoes as regulators of myosin 5a activity

    International Nuclear Information System (INIS)

    Myosin 5a is a two-headed actin-dependent motor that transports various cargoes in cells. Its enzymology and mechanochemistry have been extensively studied in vitro. It is a processive motor that takes multiple 36 nm steps on actin. The enzymatic activity of myosin 5 is regulated by an intramolecular folding mechanism whereby its lever arms fold back against the coiled-coil tail such that the motor domains directly bind the globular tail domains. We show that the structure seen in individual folded molecules is consistent with electron density map of two-dimensional crystals of the molecule. In this compact state, the actin-activated MgATPase activity of the molecule is markedly inhibited and the molecule cannot move processively on surface bound actin filaments. The actin-activated MgATPase activity of myosin 5a is activated by increasing the calcium concentration or by binding of a cargo-receptor molecule, melanophilin, in vitro. However, calcium binding to the calmodulin light chains results in dissociation of some of the calmodulin which disrupts the ability of myosin 5a to move on actin filaments in vitro. Thus we propose that the physiologically relevant activation pathway in vivo involves binding of cargo-receptor proteins

  7. Secreted primary human malignant mesothelioma exosome signature reflects oncogenic cargo

    Science.gov (United States)

    Greening, David W.; Ji, Hong; Chen, Maoshan; Robinson, Bruce W. S.; Dick, Ian M.; Creaney, Jenette; Simpson, Richard J.

    2016-01-01

    Malignant mesothelioma (MM) is a highly-aggressive heterogeneous malignancy, typically diagnosed at advanced stage. An important area of mesothelioma biology and progression is understanding intercellular communication and the contribution of the secretome. Exosomes are secreted extracellular vesicles shown to shuttle cellular cargo and direct intercellular communication in the tumour microenvironment, facilitate immunoregulation and metastasis. In this study, quantitative proteomics was used to investigate MM-derived exosomes from distinct human models and identify select cargo protein networks associated with angiogenesis, metastasis, and immunoregulation. Utilising bioinformatics pathway/network analyses, and correlation with previous studies on tumour exosomes, we defined a select mesothelioma exosomal signature (mEXOS, 570 proteins) enriched in tumour antigens and various cancer-specific signalling (HPGD/ENO1/OSMR) and secreted modulators (FN1/ITLN1/MAMDC2/PDGFD/GBP1). Notably, such circulating cargo offers unique insights into mesothelioma progression and tumour microenvironment reprogramming. Functionally, we demonstrate that oncogenic exosomes facilitate the migratory capacity of fibroblast/endothelial cells, supporting the systematic model of MM progression associated with vascular remodelling and angiogenesis. We provide biophysical and proteomic characterisation of exosomes, define a unique oncogenic signature (mEXOS), and demonstrate the regulatory capacity of exosomes in cell migration/tube formation assays. These findings contribute to understanding tumour-stromal crosstalk in the context of MM, and potential new diagnostic and therapeutic extracellular targets. PMID:27605433

  8. Secreted primary human malignant mesothelioma exosome signature reflects oncogenic cargo.

    Science.gov (United States)

    Greening, David W; Ji, Hong; Chen, Maoshan; Robinson, Bruce W S; Dick, Ian M; Creaney, Jenette; Simpson, Richard J

    2016-01-01

    Malignant mesothelioma (MM) is a highly-aggressive heterogeneous malignancy, typically diagnosed at advanced stage. An important area of mesothelioma biology and progression is understanding intercellular communication and the contribution of the secretome. Exosomes are secreted extracellular vesicles shown to shuttle cellular cargo and direct intercellular communication in the tumour microenvironment, facilitate immunoregulation and metastasis. In this study, quantitative proteomics was used to investigate MM-derived exosomes from distinct human models and identify select cargo protein networks associated with angiogenesis, metastasis, and immunoregulation. Utilising bioinformatics pathway/network analyses, and correlation with previous studies on tumour exosomes, we defined a select mesothelioma exosomal signature (mEXOS, 570 proteins) enriched in tumour antigens and various cancer-specific signalling (HPGD/ENO1/OSMR) and secreted modulators (FN1/ITLN1/MAMDC2/PDGFD/GBP1). Notably, such circulating cargo offers unique insights into mesothelioma progression and tumour microenvironment reprogramming. Functionally, we demonstrate that oncogenic exosomes facilitate the migratory capacity of fibroblast/endothelial cells, supporting the systematic model of MM progression associated with vascular remodelling and angiogenesis. We provide biophysical and proteomic characterisation of exosomes, define a unique oncogenic signature (mEXOS), and demonstrate the regulatory capacity of exosomes in cell migration/tube formation assays. These findings contribute to understanding tumour-stromal crosstalk in the context of MM, and potential new diagnostic and therapeutic extracellular targets. PMID:27605433

  9. Diffusion-Limited Cargo Loading of an Engineered Protein Container.

    Science.gov (United States)

    Zschoche, Reinhard; Hilvert, Donald

    2015-12-30

    The engineered bacterial nanocompartment AaLS-13 is a promising artificial encapsulation system that exploits electrostatic interactions for cargo loading. In order to study its ability to take up and retain guests, a pair of fluorescent proteins was developed which allows spectroscopic determination of the extent of encapsulation by Förster resonance energy transfer (FRET). The encapsulation process is generally complete within a second, suggesting low energetic barriers for proteins to cross the capsid shell. Formation of intermediate aggregates upon mixing host and guest in vitro complicates capsid loading at low ionic strength, but can be sidestepped by increasing salt concentrations or diluting the components. Encapsulation of guests is completely reversible, and the position of the equilibrium is easily tuned by varying the ionic strength. These results, which challenge the notion that AaLS-13 is a continuous rigid shell, provide valuable information about cargo loading that will guide ongoing efforts to engineer functional host-guest complexes. Moreover, it should be possible to adapt the protein FRET pair described in this report to characterize functional capsid-cargo complexes generated by other encapsulation systems. PMID:26637019

  10. A Novel Multilayered RFID Tagged Cargo Integrity Assurance Scheme.

    Science.gov (United States)

    Yang, Ming Hour; Luo, Jia Ning; Lu, Shao Yong

    2015-01-01

    To minimize cargo theft during transport, mobile radio frequency identification (RFID) grouping proof methods are generally employed to ensure the integrity of entire cargo loads. However, conventional grouping proofs cannot simultaneously generate grouping proofs for a specific group of RFID tags. The most serious problem of these methods is that nonexistent tags are included in the grouping proofs because of the considerable amount of time it takes to scan a high number of tags. Thus, applying grouping proof methods in the current logistics industry is difficult. To solve this problem, this paper proposes a method for generating multilayered offline grouping proofs. The proposed method provides tag anonymity; moreover, resolving disputes between recipients and transporters over the integrity of cargo deliveries can be expedited by generating grouping proofs and automatically authenticating the consistency between the receipt proof and pick proof. The proposed method can also protect against replay attacks, multi-session attacks, and concurrency attacks. Finally, experimental results verify that, compared with other methods for generating grouping proofs, the proposed method can efficiently generate offline grouping proofs involving several parties in a supply chain using mobile RFID. PMID:26512673

  11. Secreted primary human malignant mesothelioma exosome signature reflects oncogenic cargo

    Science.gov (United States)

    Greening, David W.; Ji, Hong; Chen, Maoshan; Robinson, Bruce W. S.; Dick, Ian M.; Creaney, Jenette; Simpson, Richard J.

    2016-09-01

    Malignant mesothelioma (MM) is a highly-aggressive heterogeneous malignancy, typically diagnosed at advanced stage. An important area of mesothelioma biology and progression is understanding intercellular communication and the contribution of the secretome. Exosomes are secreted extracellular vesicles shown to shuttle cellular cargo and direct intercellular communication in the tumour microenvironment, facilitate immunoregulation and metastasis. In this study, quantitative proteomics was used to investigate MM-derived exosomes from distinct human models and identify select cargo protein networks associated with angiogenesis, metastasis, and immunoregulation. Utilising bioinformatics pathway/network analyses, and correlation with previous studies on tumour exosomes, we defined a select mesothelioma exosomal signature (mEXOS, 570 proteins) enriched in tumour antigens and various cancer-specific signalling (HPGD/ENO1/OSMR) and secreted modulators (FN1/ITLN1/MAMDC2/PDGFD/GBP1). Notably, such circulating cargo offers unique insights into mesothelioma progression and tumour microenvironment reprogramming. Functionally, we demonstrate that oncogenic exosomes facilitate the migratory capacity of fibroblast/endothelial cells, supporting the systematic model of MM progression associated with vascular remodelling and angiogenesis. We provide biophysical and proteomic characterisation of exosomes, define a unique oncogenic signature (mEXOS), and demonstrate the regulatory capacity of exosomes in cell migration/tube formation assays. These findings contribute to understanding tumour-stromal crosstalk in the context of MM, and potential new diagnostic and therapeutic extracellular targets.

  12. Role of Data mining in Insurance Industry

    Directory of Open Access Journals (Sweden)

    K. Umamaheswari

    2014-06-01

    Full Text Available n the global era, Insurance systems rapidly a lot of tremendous development in our society. Due to the increased stress in day-to-day life, the growth of demand of insurance increased. Data mining helps insurance firms to discovery useful patterns from the customer database. The purpose of the paper aims to present how data mining is useful in the insurance industry, how its techniques produce good results in insurance sector and how data mining enhance in decision making using insurance data. The conceptual paper is written based on secondary study, observation from various journals, magazines and reports.

  13. Entrepreneurial Moral Hazard in Income Insurance

    DEFF Research Database (Denmark)

    Ejrnæs, Mette; Hochguertel, Stefan

    We study risk behavior of Danish self-employed entrepreneurs, whose income risk may be driven by both exogenous factors and effort choice (moral hazard). Partial insurance is available through voluntary unemployment insurance (UI). Additional incentives to sign insurance contracts stem from a UI...... transitions to unemployment when insurance is a choice variable. We use administrative (register) panel data covering 10% of the Danish population. We find that the insured are indeed more likely to transit into unemployment than the uninsured, once we properly instrument for the insurance choice....

  14. Role of Data mining in Insurance Industry

    Directory of Open Access Journals (Sweden)

    K. Umamaheswari

    2015-11-01

    Full Text Available In the global era, Insurance systems rapidly a lot of tremendous development in our society. Due to the increased stress in day-to-day life, the growth of demand of insurance increased. Data mining helps insurance firms to discovery useful patterns from the customer database. The purpose of the paper aims to present how data mining is useful in the insurance industry, how its techniques produce good results in insurance sector and how data mining enhance in decision making using insurance data. The conceptual paper is written based on secondary study, observation from various journals, magazines and reports.

  15. Retroactive insurance may fund TMI-2 cleanup

    International Nuclear Information System (INIS)

    A Pennsylvania task force recommended that nuclear utilities insure their plants with a mandatory national property insurance program. The proposed Nuclear Powerplant Property Damage Insurance Act of 1981 will cover the cleanup costs of onsite damage in excess of $350 million for a single accident ($50 million when private insurance is added on) and a ceiling of two billion dollars. Participation in the insurance pool would be in conjunction with licensing and would permit no grandfathering. Total payout for Three Mile Island-2 would cover 75% of the cleanup costs, the remainder to be apportioned among other parties. The insurance pool will have a $750 million goal supported by utility premiums

  16. How molecular motors are arranged on a cargo is important for vesicular transport.

    Directory of Open Access Journals (Sweden)

    Robert P Erickson

    2011-05-01

    Full Text Available The spatial organization of the cell depends upon intracellular trafficking of cargos hauled along microtubules and actin filaments by the molecular motor proteins kinesin, dynein, and myosin. Although much is known about how single motors function, there is significant evidence that cargos in vivo are carried by multiple motors. While some aspects of multiple motor function have received attention, how the cargo itself--and motor organization on the cargo--affects transport has not been considered. To address this, we have developed a three-dimensional Monte Carlo simulation of motors transporting a spherical cargo, subject to thermal fluctuations that produce both rotational and translational diffusion. We found that these fluctuations could exert a load on the motor(s, significantly decreasing the mean travel distance and velocity of large cargos, especially at large viscosities. In addition, the presence of the cargo could dramatically help the motor to bind productively to the microtubule: the relatively slow translational and rotational diffusion of moderately sized cargos gave the motors ample opportunity to bind to a microtubule before the motor/cargo ensemble diffuses out of range of that microtubule. For rapidly diffusing cargos, the probability of their binding to a microtubule was high if there were nearby microtubules that they could easily reach by translational diffusion. Our simulations found that one reason why motors may be approximately 100 nm long is to improve their 'on' rates when attached to comparably sized cargos. Finally, our results suggested that to efficiently regulate the number of active motors, motors should be clustered together rather than spread randomly over the surface of the cargo. While our simulation uses the specific parameters for kinesin, these effects result from generic properties of the motors, cargos, and filaments, so they should apply to other motors as well.

  17. Final Report, Next-Generation Mega-Voltage Cargo-Imaging System for Cargo Container Inspection, March 2007

    International Nuclear Information System (INIS)

    The UNLV Research Foundation, as the primary award recipient, teamed with Varian Medical Systems-Security and Inspection Products and the University of Nevada Las Vegas (UNLV) for the purpose of conducting research and engineering related to a ''next-generation'' mega-voltage imaging (MVCI) system for inspection of cargo in large containers. The procurement and build-out of hardware for the MVCI project has been completed. The K-9 linear accelerator and an optimized X-ray detection system capable of efficiently detecting X-rays emitted from the accelerator after they have passed through the device is under test. The Office of Science financial assistance award has made possible the development of a system utilizing a technology which will have a profound positive impact on the security of U.S. seaports. The proposed project will ultimately result in critical research and development advances for the ''next-generation'' Linatron X-ray accelerator technology, thereby providing a safe, reliable and efficient fixed and mobile cargo inspection system, which will very significantly increase the fraction of cargo containers undergoing reliable inspection as the enter U.S. ports. Both NNSA/NA-22 and the Department of Homeland Security's Domestic Nuclear Detection Office are collaborating with UNLV and its team to make this technology available as soon as possible

  18. Final Report, Next-Generation Mega-Voltage Cargo-Imaging System for Cargo Conainer Inspection, March 2007

    Energy Technology Data Exchange (ETDEWEB)

    Dr. James Clayton, Ph.D., Varian Medical Systems-Security & Inspection Products; Dr. Emma Regentova, Ph.D, University of Nevada Las Vegas; Dr. Evangelos Yfantis, Ph.D., University of Nevada, Las Vegas

    2007-03-27

    The UNLV Research Foundation, as the primary award recipient, teamed with Varian Medical Systems-Security & Inspection Products and the University of Nevada Las Vegas (UNLV) for the purpose of conducting research and engineering related to a "next-generation" mega-voltage imaging (MVCI) system for inspection of cargo in large containers. The procurement and build-out of hardware for the MVCI project has been completed. The K-9 linear accelerator and an optimized X-ray detection system capable of efficiently detecting X-rays emitted from the accelerator after they have passed through the device is under test. The Office of Science financial assistance award has made possible the development of a system utilizing a technology which will have a profound positive impact on the security of U.S. seaports. The proposed project will ultimately result in critical research and development advances for the "next-generation" Linatron X-ray accelerator technology, thereby providing a safe, reliable and efficient fixed and mobile cargo inspection system, which will very significantly increase the fraction of cargo containers undergoing reliable inspection as the enter U.S. ports. Both NNSA/NA-22 and the Department of Homeland Security's Domestic Nuclear Detection Office are collaborating with UNLV and its team to make this technology available as soon as possible.

  19. National Security Science and Technology Initiative: Air Cargo Screening

    Energy Technology Data Exchange (ETDEWEB)

    Bingham, Philip R [ORNL; White, Tim [Pacific Northwest National Laboratory (PNNL); Cespedes, Ernesto [Idaho National Laboratory (INL); Bowerman, Biays [Brookhaven National Laboratory (BNL); Bush, John [Battelle

    2010-11-01

    The non-intrusive inspection (NII) of consolidated air cargo carried on commercial passenger aircraft continues to be a technically challenging, high-priority requirement of the Department of Homeland Security's Science and Technology Directorate (DHS S&T), the Transportation Security Agency and the Federal Aviation Administration. The goal of deploying a screening system that can reliably and cost-effectively detect explosive threats in consolidated cargo without adversely affecting the flow of commerce will require significant technical advances that will take years to develop. To address this critical National Security need, the Battelle Memorial Institute (Battelle), under a Cooperative Research and Development Agreement (CRADA) with four of its associated US Department of Energy (DOE) National Laboratories (Oak Ridge, Pacific Northwest, Idaho, and Brookhaven), conducted a research and development initiative focused on identifying, evaluating, and integrating technologies for screening consolidated air cargo for the presence of explosive threats. Battelle invested $8.5M of internal research and development funds during fiscal years 2007 through 2009. The primary results of this effort are described in this document and can be summarized as follows: (1) Completed a gap analysis that identified threat signatures and observables, candidate technologies for detection, their current state of development, and provided recommendations for improvements to meet air cargo screening requirements. (2) Defined a Commodity/Threat/Detection matrix that focuses modeling and experimental efforts, identifies technology gaps and game-changing opportunities, and provides a means of summarizing current and emerging capabilities. (3) Defined key properties (e.g., elemental composition, average density, effective atomic weight) for basic commodity and explosive benchmarks, developed virtual models of the physical distributions (pallets) of three commodity types and three

  20. Pet insurance--essential option?

    Science.gov (United States)

    Stowe, J D

    2000-08-01

    As Hawn (2) says, "insurance is about risk and peace of mind." She reports that the American Humane Society supports pet insurance because companion animals are able to be treated for disease or accidents that are life-threatening where, otherwise, they would have been euthanized. For veterinarians, she suggests that pet insurance allows them to practice veterinary medicine "as if it were free." It is inevitable that pet insurance will grow as a recourse for veterinary fees. This may be a savior to some families whose budget is stretched to the limit at a critical moment in the health care of their cherished pet. We in the veterinary profession have an advantage over other professions. We have seen the good, the bad, and the ugly of insurance, as it applies to human health and dental care. If we work hand-in-hand with our own industries, collectively we may be able to develop a system that wins for everyone, with fees that allow practice to thrive and growth strategies that accommodate new treatment and diagnostic modalities, as well as consistent and exemplary customer service. The path ahead is always fraught with bumps and potholes. We can be a passive passenger and become a victim of the times or an active driver to steer the profession to a clearer route. Pet insurance is but one of the solutions for the profession; the others are a careful assessment of our fees--charging what we are worth, not what we think the client will pay; business management; customer service; leadership of our health care team; lifelong learning; and more efficient delivery systems. Let us stop being a victim, stop shooting ourselves in the professional foot, and seize the day! PMID:10945132

  1. Unemployment duration and unemployment insurance

    DEFF Research Database (Denmark)

    Røed, Knut; Jensen, Peter; Thoursie, Anna

    2008-01-01

    Based on pooled register data from Norway and Sweden, we find that differences in unemployment duration patterns reflect dissimilarities in unemployment insurance (UI) systems in a way that convincingly establishes the link between economic incentives and job search behaviour. Specifically, UI...... benefits are relatively more generous for low-income workers in Sweden than in Norway, leading to relatively longer unemployment spells for low-income workers in Sweden. Based on the between-countries variation in replacement ratios, we find that the elasticity of the outflow rate from insured unemployment...

  2. [Hypertension, smoking and life insurance].

    Science.gov (United States)

    Lund-Johansen, P

    1975-11-01

    The insurance companies' data on blood-pressure and longevity have certainly contributed to the trend among both laymen and doctors to take hypertension more seriously. Smoking is also of special interest, having proved to be a clear risk-factor in coronary disease. It holds a unique position, in that - at least theoretically - it would be possible to eliminate. The insurance companies could undoubtedly contribute to an altered attitude towards the problem of smoking. Non-smokers might be granted a bonus and heavy smokers be charged an additional premium.

  3. Insurance, Reinsurance and Dividend Payment

    CERN Document Server

    Goreac, D

    2008-01-01

    The aim of this paper is to introduce an insurance model allowing reinsurance and dividend payment. Our model deals with several homogeneous contracts and takes into account the legislation regarding the provisions to be justified by the insurance companies. This translates into some restriction on the (maximal) number of contracts the company is allowed to cover. We deal with a controlled jump process in which one has free choice of retention level and dividend amount. The value function is given as the maximized expected discounted dividends. We prove that this value function is a viscosity solution of some first-order Hamilton-Jacobi-Bellman variational inequality. Moreover, a uniqueness result is provided.

  4. 75 FR 13147 - Integrity Life Insurance Company, et al.;

    Science.gov (United States)

    2010-03-18

    ... COMMISSION Integrity Life Insurance Company, et al.; Notice of Application March 10, 2010. AGENCY: Securities...: Integrity Life Insurance Company (``Integrity''), Separate Account I of Integrity Life Insurance Company (``Integrity Separate Account I''), Separate Account II of Integrity Life Insurance Company...

  5. 78 FR 59985 - Variable Insurance Trust, et al.;

    Science.gov (United States)

    2013-09-30

    ... National Association of Insurance Commissioners Variable Life Insurance Model Regulation (the ``NAIC Model... COMMISSION Variable Insurance Trust, et al.; Notice of Application September 24, 2013. AGENCY: Securities and.... Applicants: Variable Insurance Trust (the ``Fund'') and MFund Services LLC (``MFund'')...

  6. Financial risks insurance in Russian travel industry

    Directory of Open Access Journals (Sweden)

    Elena A. Ivanova

    2011-03-01

    Full Text Available The article provides general characteristics of financial risks insurance in travel organizations activities, defines problem issues of legislation implementation, concerning tourist activities within travel cancellation insurance.

  7. THE EVOLUTION OF INSURANCE MARKET IN ROMANIA

    Directory of Open Access Journals (Sweden)

    Florea Ianc Maria Mirabela

    2013-04-01

    Full Text Available Insurance is the economic activity that individuals and businesses are threatened by some danger that, if it would cause damage to health or even life or they can destroy property, agree to remove the financial effects of possible losses transfer to specialized companies in exchange for a sum of money. The specialized companies agree to take over and compensate the financial effects of production risk are called companies or insurance companies. The transfer of the possible financial losses from risk bearers insurance companies called insurance. The insurance and reinsurance operations are conducted in a regulated framework that brings together supply and demand of insurance, insurance market framework known. The insurance market is performing most specific contracts.

  8. Modelling in life insurance a management perspective

    CERN Document Server

    Norberg, Ragnar; Planchet, Frédéric

    2016-01-01

    Focussing on life insurance and pensions, this book addresses various aspects of modelling in modern insurance: insurance liabilities; asset-liability management; securitization, hedging, and investment strategies. With contributions from internationally renowned academics in actuarial science, finance, and management science and key people in major life insurance and reinsurance companies, there is expert coverage of a wide range of topics, for example: models in life insurance and their roles in decision making; an account of the contemporary history of insurance and life insurance mathematics; choice, calibration, and evaluation of models; documentation and quality checks of data; new insurance regulations and accounting rules; cash flow projection models; economic scenario generators; model uncertainty and model risk; model-based decision-making at line management level; models and behaviour of stakeholders. With author profiles ranging from highly specialized model builders to decision makers at chief ex...

  9. Joint-venture Insurance Firm Born

    Institute of Scientific and Technical Information of China (English)

    2002-01-01

    @@ Generali China Life insurance Company Ltd.began operations in February this year in Guangzhou,capital of South China's Guangdong Province - the first joint-venture insurer since China joined the World Trade Organization.

  10. How to Shop for Health Insurance

    Science.gov (United States)

    ... and some preventive care. Most plans also offer discounts on prescription drugs and other services. Specific benefits ... child can start using the insurance. The insurance company should send you and everyone covered by your ...

  11. Health Insurance Marketplace Public Use Files

    Data.gov (United States)

    U.S. Department of Health & Human Services — A set of seven (7) public use files containing information on health insurance issuers participating in the Health Insurance Marketplace and certified qualified...

  12. Crop Insurance, Premium Subsidy and Agricultural Output

    Institute of Scientific and Technical Information of China (English)

    XU Jing-feng; LIAO Pu

    2014-01-01

    This paper studied the effects of crop insurance on agricultural output with an economic growth model. Based on Ramsey-Cass-Koopmans (RCK) model, a basic model of agriculture economic growth was developed. Extending the basic model to incorporate uncertainty and insurance mechanism, a risk model and a risk-insurance model were built to study the inlfuences of risk and crop insurance on agricultural output. Compared with the steady states of the three models, the following results are achieved:(i) agricultural output decreases if we introduce uncertainty into the risk-free model;(ii) crop insurance promotes agriculture economic growth if insurance mechanism is introduced into the risk model;(iii) premium subsidy constantly improves agricultural output. Our contribution is that we studied the effects of crop insurance and premium subsidy from the perspective of economic growth in a dynamic framework, and proved the output promotion of crop insurance theoretically.

  13. Pre-Existing Condition Insurance Plan Data

    Data.gov (United States)

    U.S. Department of Health & Human Services — The Affordable Care Act created the new Pre-Existing Condition Insurance Plan (PCIP) program to make health insurance available to Americans denied coverage by...

  14. The Nuclear Insurance Pools: Operations and Covers

    International Nuclear Information System (INIS)

    Nuclear insurance pools have provided insurance for the nuclear industry for over fifty years and it is fair to say that the development of civil nuclear power would not have been possible without the support of the commercial insurance market. The unknown risks presented by the nascent nuclear power industry in the 1950s required a leap of faith by insurers who developed specialist pooled insurance capacity to ensure adequate capacity to back up the operators' compensation obligations. Since then, nuclear insurance pools have evolved to become comprehensive suppliers of most types of insurance for nuclear plant globally. This paper will outline the structure, development, products and current operations of nuclear insurance pools.(author)

  15. ESSENCE AND ROLE OF INSURANCE SALES MANAGEMENT

    OpenAIRE

    N. Karlova

    2008-01-01

    Planning, organization, motivation and control as constituents of insurance products sales management process were considered in the article. Its important role in provision of financial reliability and paying capacity of insurance companies was demonstrated.

  16. THE INSURANCE OF ECOLOGICAL RISKS IN UKRAINE

    OpenAIRE

    Pikus, R.; Lobova, O.

    2009-01-01

    The article defines the meaning and major tasks for ecological insurance in the society and economy. Its international experience and status in Ukraine is analyzed, a prospect for development of ecological insurance is determined.

  17. Insure Kids Now (IKN) (Dental Care Providers)

    Data.gov (United States)

    U.S. Department of Health & Human Services — The Insure Kids Now (IKN) Dental Care Providers in Your State locator tool is provided, in accordance with the Children's Health Insurance Program Reauthorization...

  18. Healthcare.gov Insurance Finder Tool

    Data.gov (United States)

    U.S. Department of Health & Human Services — This tool will help you find the health insurance best suited to your needs, whether its private insurance for individuals, families, and small businesses, or...

  19. Effectiveness of insurance risk management under crisis conditions

    OpenAIRE

    Goncharenko, I.G.

    2015-01-01

    In the article some historical aspects of insurance, domestic trends in insurance risk management with aspects of international experience, the modern role of insurance and insurance companies in a market economy, factors of risk management system and the nature of the insurance portfolio are analyzed. Factors of risk events in insurance, the spectrum of risks, imbalance of the insurance market in crisis conditions are outlined; expert’s estimations of the insurance market in recent years are...

  20. 41 CFR 60-300.25 - Health insurance, life insurance and other benefit plans.

    Science.gov (United States)

    2010-07-01

    ... 41 Public Contracts and Property Management 1 2010-07-01 2010-07-01 true Health insurance, life insurance and other benefit plans. 60-300.25 Section 60-300.25 Public Contracts and Property Management..., life insurance and other benefit plans. (a) An insurer, hospital, or medical service company,...

  1. 41 CFR 60-250.25 - Health insurance, life insurance and other benefit plans.

    Science.gov (United States)

    2010-07-01

    ... 41 Public Contracts and Property Management 1 2010-07-01 2010-07-01 true Health insurance, life insurance and other benefit plans. 60-250.25 Section 60-250.25 Public Contracts and Property Management..., life insurance and other benefit plans. (a) An insurer, hospital, or medical service company,...

  2. 76 FR 70510 - Federal Employees' Group Life Insurance Program: New Federal Employees' Group Life Insurance...

    Science.gov (United States)

    2011-11-14

    ... MANAGEMENT Federal Employees' Group Life Insurance Program: New Federal Employees' Group Life Insurance... Management (OPM) is announcing changes in premiums for certain Federal ] Employees' Group Life Insurance... coincided with the implementation of the Federal Employees' Life Insurance Improvement Act, Public Law...

  3. 77 FR 41709 - Common Crop Insurance Regulations; Florida Citrus Fruit Crop Insurance Provisions

    Science.gov (United States)

    2012-07-16

    .... See the Notice related to 7 CFR part 3015, subpart V, published at 48 FR 29115, June 24, 1983... Federal Crop Insurance Corporation 7 CFR Part 457 RIN 0563-AC39 Common Crop Insurance Regulations; Florida Citrus Fruit Crop Insurance Provisions AGENCY: Federal Crop Insurance Corporation, USDA. ACTION:...

  4. 76 FR 43606 - Common Crop Insurance Regulations; Onion Crop Insurance Provisions

    Science.gov (United States)

    2011-07-21

    .... See the Notice related to 7 CFR part 3015, subpart V, published at 48 FR 29115, June 24, 1983...; ] DEPARTMENT OF AGRICULTURE Federal Crop Insurance Corporation 7 CFR Part 457 RIN 0563-AC29 Common Crop Insurance Regulations; Onion Crop Insurance Provisions AGENCY: Federal Crop Insurance Corporation,...

  5. 76 FR 71276 - Common Crop Insurance Regulations; Pecan Revenue Crop Insurance Provisions

    Science.gov (United States)

    2011-11-17

    .... See the Notice related to 7 CFR part 3015, subpart V, published at 48 FR 29115, June 24, 1983... Federal Crop Insurance Corporation 7 CFR Part 457 RIN 0563-AC35 Common Crop Insurance Regulations; Pecan Revenue Crop Insurance Provisions AGENCY: Federal Crop Insurance Corporation, USDA. ACTION: Proposed...

  6. 76 FR 75805 - Common Crop Insurance Regulations; Prune Crop Insurance Provisions

    Science.gov (United States)

    2011-12-05

    ..., published at 48 FR 29115, June 24, 1983. Executive Order 12988 This proposed rule has been reviewed in... Federal Crop Insurance Corporation 7 CFR Part 457 RIN 0563-AC36 Common Crop Insurance Regulations; Prune Crop Insurance Provisions AGENCY: Federal Crop Insurance Corporation, USDA. ACTION: Proposed...

  7. Consumer price sensitivity in Dutch health insurance

    OpenAIRE

    Van Dijk, Machiel; Pomp, Marc; Douven, Rudy C.H.M.; Laske-Aldershof, Trea; Schut, Erik; Boer, Willem; de Boo, Anne

    2008-01-01

    textabstractAim: To estimate the price sensitivity of consumer choice of health insurance firm. Method: Using paneldata of the flows of insured betweenpairs of Dutch sickness funds during the period 1993-2002, we estimate the sensitivity of these flows to differences in insurance premium. Results: The price elasticity of residual demand for health insurance was low during the period 1993-2002, confirming earlier findings based on annual changes in market share. We find small but significant e...

  8. THE ESSENTIALS OF RAINFALL DERIVATIVES AND INSURANCE

    OpenAIRE

    Turvey, Calum G.

    1999-01-01

    This paper investigates the use of rainfall insurance to manage agricultural production risks. A number of rainfall insurance products are presented along with a raitonal model which identifies the economics of rainfall. The use of rainfall insurance will increase in future years as capital markets, financial institutions, reinsurance companies, crop insurance companies, and hedge funds collectively organize to share and distribute weather risks. The focus of this paper is in fact directed to...

  9. 2007 Saw Fresh Air for Insurance

    Institute of Scientific and Technical Information of China (English)

    2007-01-01

    @@ What happened to China's insurance sector this year?Above all, this year was the first in the new Five-Year Plan for the Standardization of China's Insurance (2007-2011). The Five-Year Plan,released back in February, sets the first standards for the insurance industry in China; meanwhile, it also lays out a blueprint for future development. Additionally, the insurance sector is focused on meeting international standards and levels of service in 2015.

  10. Occupational injury insurance - A strategy for prevention?

    DEFF Research Database (Denmark)

    Jacobsen, Thomas

    1993-01-01

    Can compulsory occupational injury insurance be used as a strategy for prevention in the work place? This is discussed on the basis of two different insurance systems - the Danish and the French.......Can compulsory occupational injury insurance be used as a strategy for prevention in the work place? This is discussed on the basis of two different insurance systems - the Danish and the French....

  11. IFRS for Insurance: CFO Forum Proposals

    OpenAIRE

    Denis Duverne; Jacques Le Douit

    2007-01-01

    European insurers who have to establish financial statements under IFRS must apply a temporary international accounting standard for insurance contracts which provides a flawed picture of their business. The IFRS long-term project for insurance is still under preparation by the IASB. The standard should not be issued until mid-2009 following a discussion paper to be submitted for comments in the first quarter 2007. The insurance industry has been involved for several years in a proactive way,...

  12. COMPULSORY INSURANCE OF CIVIL LIABILITY IN RUSSIA

    Directory of Open Access Journals (Sweden)

    M. Malik

    2014-03-01

    Full Text Available The article outlines the main trends of compulsory insurance of civil liability in Russia : problems, trends and prospectsInsurance of civil liability – one of the popular forms of distribution and security in the world. The essence of compulsory insurance of civil responsibility is to protect the property interests of individuals. The development of liability insurance goes along with technological progress and reinforced by various laws and regulations, it touches almost all areas of life.

  13. Insurance Law and Economics: an empirical perspective

    OpenAIRE

    Boom, Willem

    2008-01-01

    textabstractThe theory of insurance law and economics holds that the insured will display less care as a consequence of the insurance coverage. It also holds that bad risks are more likely than good risks to display demand for coverage. These behavioural predictions, which are associated with moral hazard and adverse selection respectively, are firmly embedded in rational choice theory. This paper reviews empirical findings and addresses the question how close insurance law and economics theo...

  14. Social insurance and the marriage market

    OpenAIRE

    Persson, Petra

    2015-01-01

    Social insurance is often linked to marriage. I model how such linkage affects the marriage market, and exploit Sweden’s elimination of survivors insurance to demonstrate economically important responses along several behavioral margins in this market. Entry into marriage reflects a demand for survivors insurance up to 50 years before expected payout, especially among couples with high husband mortality risks. Further, elimination of survivors insurance induces divorces and intra-household re...

  15. Telematics Strategy for Automobile Insurers : Whitepaper

    OpenAIRE

    Paefgen, Johannes; Fleisch, Elgar; Staake, Thorsten; Ackermann, Lukas; Best, Jonas; Egli, Lukas

    2013-01-01

    This whitepaper investigates the business implications telematics services and Pay-as-you-drive (PAYD) insurance in particular, from the perspective of automobile insurance providers. Specifically, it discusses - the PROFITABILITY and competitive dynamics of PAYD insurance, - a simplified BUSINESS CASE for a new market entrant with a PAYD product, - the present STRUCTURE OF INTERNATIONAL MARKETS for insurance telematics services, - DRIVERS AND BARRIERS for the focus markets Swit...

  16. A platform for actively loading cargo RNA to elucidate limiting steps in EV-mediated delivery

    OpenAIRE

    Leonard, Joshua N.; Hung, Michelle E.

    2016-01-01

    Extracellular vesicles (EVs) mediate intercellular communication through transfer of RNA and protein between cells. Thus, understanding how cargo molecules are loaded and delivered by EVs is of central importance for elucidating the biological roles of EVs and developing EV-based therapeutics. While some motifs modulating the loading of biomolecular cargo into EVs have been elucidated, the general rules governing cargo loading and delivery remain poorly understood. To investigate how general ...

  17. A Framework for Analysis of Security Measures Within On-airport Cargo Facilities

    OpenAIRE

    Rountree, Carla; Demetsky, Michael J.

    2005-01-01

    The terrorist attacks of September 11, 2001 displayed the shortcomings of aviation security in the United States. Most of the attention on aviation security since that time has focused on airline passengers, their luggage, and their carry-on items, leaving air cargo security on the back burner. The lack of security screening and screening guidelines of cargo traveling by both passenger and all-cargo aircraft is the driving purpose behind this research project: the development of a framework t...

  18. Insurance Law and Economics: an empirical perspective

    NARCIS (Netherlands)

    W.H. van Boom (Willem)

    2008-01-01

    textabstractThe theory of insurance law and economics holds that the insured will display less care as a consequence of the insurance coverage. It also holds that bad risks are more likely than good risks to display demand for coverage. These behavioural predictions, which are associate

  19. Stochastic Cooperative Games in Insurance and Reinsurance

    NARCIS (Netherlands)

    Suijs, J.P.M.; De Waegenaere, A.M.B.; Borm, P.E.M.

    1996-01-01

    This paper shows how problems in `non life'-insurance and `non life'-reinsurance can be modelled simultaneously as cooperative games with stochastic payoffs.Pareto optimal allocations of the risks faced by the insurers and the insureds are determined.It is shown that the core of the corresponding in

  20. 29 CFR 18.411 - Liability insurance.

    Science.gov (United States)

    2010-07-01

    ... OF ADMINISTRATIVE LAW JUDGES Rules of Evidence Relevancy and Its Limits § 18.411 Liability insurance. Evidence that a person was or was not insured against liability is not admissible upon the issue whether... evidence of insurance against liability when offered for another purpose, such as proof of...

  1. Cancer survival disparities by health insurance status.

    Science.gov (United States)

    Niu, Xiaoling; Roche, Lisa M; Pawlish, Karen S; Henry, Kevin A

    2013-06-01

    Previous studies found that uninsured and Medicaid insured cancer patients have poorer outcomes than cancer patients with private insurance. We examined the association between health insurance status and survival of New Jersey patients 18-64 diagnosed with seven common cancers during 1999-2004. Hazard ratios (HRs) with 95% confidence intervals for 5-year cause-specific survival were calculated from Cox proportional hazards regression models; health insurance status was the primary predictor with adjustment for other significant factors in univariate chi-square or Kaplan-Meier survival log-rank tests. Two diagnosis periods by health insurance status were compared using Kaplan-Meier survival log-rank tests. For breast, colorectal, lung, non-Hodgkin lymphoma (NHL), and prostate cancer, uninsured and Medicaid insured patients had significantly higher risks of death than privately insured patients. For bladder cancer, uninsured patients had a significantly higher risk of death than privately insured patients. Survival improved between the two diagnosis periods for privately insured patients with breast, colorectal, or lung cancer and NHL, for Medicaid insured patients with NHL, and not at all for uninsured patients. Survival from cancer appears to be related to a complex set of demographic and clinical factors of which insurance status is a part. While ensuring that everyone has adequate health insurance is an important step, additional measures must be taken to address cancer survival disparities.

  2. 14 CFR 1260.131 - Insurance coverage.

    Science.gov (United States)

    2010-01-01

    ... 14 Aeronautics and Space 5 2010-01-01 2010-01-01 false Insurance coverage. 1260.131 Section 1260... Higher Education, Hospitals, and Other Non-Profit Organizations Property Standards § 1260.131 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for real property...

  3. 24 CFR 241.885 - Insurance benefits.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance benefits. 241.885 Section... DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES... Without a HUD-Insured or HUD-Held Mortgage Rights and Duties of Lender Under the Contract of...

  4. 33 CFR 401.23 - Liability insurance.

    Science.gov (United States)

    2010-07-01

    ... 33 Navigation and Navigable Waters 3 2010-07-01 2010-07-01 false Liability insurance. 401.23....23 Liability insurance. (a) It is a condition of approval of an application for preclearance that the vessel is covered by liability insurance equal to or exceeding $100 per gross registered ton. (b)...

  5. 24 CFR 232.885 - Insurance benefits.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance benefits. 232.885 Section... DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES MORTGAGE INSURANCE FOR NURSING HOMES, INTERMEDIATE CARE FACILITIES, BOARD AND CARE HOMES, AND ASSISTED...

  6. Health Insurance and Children with Disabilities

    Science.gov (United States)

    Szilagyi, Peter G.

    2012-01-01

    Few people would disagree that children with disabilities need adequate health insurance. But what kind of health insurance coverage would be optimal for these children? Peter Szilagyi surveys the current state of insurance coverage for children with special health care needs and examines critical aspects of coverage with an eye to helping policy…

  7. 24 CFR 207.259 - Insurance benefits.

    Science.gov (United States)

    2010-04-01

    ... insurance pursuant to 24 CFR parts 251, 252, or 255, the amount of the fee set forth through Federal... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance benefits. 207.259 Section... DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES...

  8. 24 CFR 320.11 - Insurance coverage.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance coverage. 320.11 Section...-BACKED SECURITIES Pass-Through Type Securities § 320.11 Insurance coverage. The issuer shall maintain, for the benefit of the Association, insurance, errors and omissions, fidelity bond and other...

  9. 22 CFR 226.31 - Insurance coverage.

    Science.gov (United States)

    2010-04-01

    ... 22 Foreign Relations 1 2010-04-01 2010-04-01 false Insurance coverage. 226.31 Section 226.31...-GOVERNMENTAL ORGANIZATIONS Post-award Requirements Property Standards § 226.31 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for real property and equipment...

  10. 7 CFR 2201.24 - Insurance.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Insurance. 2201.24 Section 2201.24 Agriculture... TELEVISION LOAN GUARANTEE PROGRAM-PROGRAM REGULATIONS Loan Guarantees § 2201.24 Insurance. The Borrower of a Loan guaranteed under the Program shall obtain, at its expense, insurance sufficient to protect...

  11. 20 CFR 627.415 - Insurance.

    Science.gov (United States)

    2010-04-01

    ... 20 Employees' Benefits 3 2010-04-01 2010-04-01 false Insurance. 627.415 Section 627.415 Employees... UNDER TITLES I, II, AND III OF THE ACT Administrative Standards § 627.415 Insurance. (a) General. Each recipient and subrecipient shall follow its normal insurance procedures except as otherwise indicated...

  12. 13 CFR 120.170 - Flood insurance.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Flood insurance. 120.170 Section... to All Business Loans Requirements Imposed Under Other Laws and Orders § 120.170 Flood insurance.... 4000 et seq.)), a loan recipient must obtain flood insurance if any building (including mobile...

  13. 32 CFR 32.31 - Insurance coverage.

    Science.gov (United States)

    2010-07-01

    ... 32 National Defense 1 2010-07-01 2010-07-01 false Insurance coverage. 32.31 Section 32.31 National... NON-PROFIT ORGANIZATIONS Post-Award Requirements Property Standards § 32.31 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for real property and...

  14. 48 CFR 970.2803 - Insurance.

    Science.gov (United States)

    2010-10-01

    ... 48 Federal Acquisition Regulations System 5 2010-10-01 2010-10-01 false Insurance. 970.2803 Section 970.2803 Federal Acquisition Regulations System DEPARTMENT OF ENERGY AGENCY SUPPLEMENTARY REGULATIONS DOE MANAGEMENT AND OPERATING CONTRACTS Bonds and Insurance 970.2803 Insurance....

  15. 45 CFR 2543.31 - Insurance coverage.

    Science.gov (United States)

    2010-10-01

    ... 45 Public Welfare 4 2010-10-01 2010-10-01 false Insurance coverage. 2543.31 Section 2543.31 Public... ORGANIZATIONS Post-Award Requirements Property Standards § 2543.31 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for real property and equipment acquired with...

  16. 15 CFR 14.31 - Insurance coverage.

    Science.gov (United States)

    2010-01-01

    ... 15 Commerce and Foreign Trade 1 2010-01-01 2010-01-01 false Insurance coverage. 14.31 Section 14... COMMERCIAL ORGANIZATIONS Post-Award Requirements Property Standards § 14.31 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for real property and equipment...

  17. 45 CFR 74.31 - Insurance coverage.

    Science.gov (United States)

    2010-10-01

    ... 45 Public Welfare 1 2010-10-01 2010-10-01 false Insurance coverage. 74.31 Section 74.31 Public..., AND COMMERCIAL ORGANIZATIONS Post-Award Requirements Property Standards § 74.31 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for real property and...

  18. 34 CFR 74.31 - Insurance coverage.

    Science.gov (United States)

    2010-07-01

    ... 34 Education 1 2010-07-01 2010-07-01 false Insurance coverage. 74.31 Section 74.31 Education... Property Standards § 74.31 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for real property and equipment acquired with Federal funds as provided to property...

  19. 22 CFR 518.31 - Insurance coverage.

    Science.gov (United States)

    2010-04-01

    ... 22 Foreign Relations 2 2010-04-01 2010-04-01 true Insurance coverage. 518.31 Section 518.31... Requirements Property Standards § 518.31 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for real property and equipment acquired with Federal funds as provided...

  20. 20 CFR 435.31 - Insurance coverage.

    Science.gov (United States)

    2010-04-01

    ... 20 Employees' Benefits 2 2010-04-01 2010-04-01 false Insurance coverage. 435.31 Section 435.31... ORGANIZATIONS Post-Award Requirements Property Standards § 435.31 Insurance coverage. Recipients must, at a minimum, provide the equivalent insurance coverage for real property and equipment acquired with...

  1. 28 CFR 70.31 - Insurance coverage.

    Science.gov (United States)

    2010-07-01

    ... 28 Judicial Administration 2 2010-07-01 2010-07-01 false Insurance coverage. 70.31 Section 70.31...-PROFIT ORGANIZATIONS Post-Award Requirements Property Standards § 70.31 Insurance coverage. Recipients must, at a minimum, provide the equivalent insurance coverage for real property and equipment...

  2. 28 CFR 36.212 - Insurance.

    Science.gov (United States)

    2010-07-01

    ... 28 Judicial Administration 1 2010-07-01 2010-07-01 false Insurance. 36.212 Section 36.212 Judicial... COMMERCIAL FACILITIES General Requirements § 36.212 Insurance. (a) This part shall not be construed to... benefit plan that is not subject to State laws that regulate insurance. (b) Paragraphs (a) (1), (2),...

  3. 25 CFR 117.11 - Insurance.

    Science.gov (United States)

    2010-04-01

    ... 25 Indians 1 2010-04-01 2010-04-01 false Insurance. 117.11 Section 117.11 Indians BUREAU OF INDIAN... MEMBERS OF THE OSAGE TRIBE OF INDIANS WHO DO NOT HAVE CERTIFICATES OF COMPETENCY § 117.11 Insurance. The superintendent may obtain policies of insurance covering the restricted property, real or personal, of...

  4. 36 CFR 1210.31 - Insurance coverage.

    Science.gov (United States)

    2010-07-01

    ... 36 Parks, Forests, and Public Property 3 2010-07-01 2010-07-01 false Insurance coverage. 1210.31 Section 1210.31 Parks, Forests, and Public Property NATIONAL ARCHIVES AND RECORDS ADMINISTRATION GENERAL....31 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage...

  5. 10 CFR 600.131 - Insurance coverage.

    Science.gov (United States)

    2010-01-01

    ... 10 Energy 4 2010-01-01 2010-01-01 false Insurance coverage. 600.131 Section 600.131 Energy... Nonprofit Organizations Post-Award Requirements § 600.131 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for real property and equipment acquired with DOE funds...

  6. 22 CFR 145.31 - Insurance coverage.

    Science.gov (United States)

    2010-04-01

    ... 22 Foreign Relations 1 2010-04-01 2010-04-01 false Insurance coverage. 145.31 Section 145.31 Foreign Relations DEPARTMENT OF STATE CIVIL RIGHTS GRANTS AND AGREEMENTS WITH INSTITUTIONS OF HIGHER... Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for...

  7. 19 CFR 351.520 - Export insurance.

    Science.gov (United States)

    2010-04-01

    ... 19 Customs Duties 3 2010-04-01 2010-04-01 false Export insurance. 351.520 Section 351.520 Customs... Identification and Measurement of Countervailable Subsidies § 351.520 Export insurance. (a) Benefit—(1) In general. In the case of export insurance, a benefit exists if the premium rates charged are inadequate...

  8. 22 CFR 62.14 - Insurance.

    Science.gov (United States)

    2010-04-01

    ... 22 Foreign Relations 1 2010-04-01 2010-04-01 false Insurance. 62.14 Section 62.14 Foreign... § 62.14 Insurance. (a) Sponsors shall require each exchange visitor to have insurance in effect which... amount of $10,000; and (4) A deductible not to exceed $500 per accident or illness. (b) An...

  9. 38 CFR 49.31 - Insurance coverage.

    Science.gov (United States)

    2010-07-01

    ... 38 Pensions, Bonuses, and Veterans' Relief 2 2010-07-01 2010-07-01 false Insurance coverage. 49.31... NON-PROFIT ORGANIZATIONS Post-Award Requirements Property Standards § 49.31 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for real property and...

  10. 30 CFR 778.18 - Insurance.

    Science.gov (United States)

    2010-07-01

    ... 30 Mineral Resources 3 2010-07-01 2010-07-01 false Insurance. 778.18 Section 778.18 Mineral... APPLICATIONS-MINIMUM REQUIREMENTS FOR LEGAL, FINANCIAL, COMPLIANCE, AND RELATED INFORMATION § 778.18 Insurance. An application shall contain either a certificate of liability insurance or evidence of...

  11. 75 FR 9246 - Cooperative Share Loan Insurance

    Science.gov (United States)

    2010-03-01

    ... URBAN DEVELOPMENT Cooperative Share Loan Insurance AGENCY: Office of the Chief Information Officer, HUD... cooperative housing loan insurance will be published to update existing policies, and better enable mortgagees to submit cooperative share loans for FHA insurance. This new publication will provide...

  12. 48 CFR 35.013 - Insurance.

    Science.gov (United States)

    2010-10-01

    ... 48 Federal Acquisition Regulations System 1 2010-10-01 2010-10-01 false Insurance. 35.013 Section... CONTRACTING RESEARCH AND DEVELOPMENT CONTRACTING 35.013 Insurance. Nonprofit, educational, or State institutions performing cost-reimbursement contracts often do not carry insurance. They may claim immunity...

  13. 17 CFR 256.924 - Property insurance.

    Science.gov (United States)

    2010-04-01

    ... 17 Commodity and Securities Exchanges 3 2010-04-01 2010-04-01 false Property insurance. 256.924... COMPANY ACT OF 1935 2. Expense § 256.924 Property insurance. (a) This account shall include the cost of insurance premiums to protect the service company against losses and damages to owned or leased...

  14. 49 CFR 19.31 - Insurance coverage.

    Science.gov (United States)

    2010-10-01

    ... 49 Transportation 1 2010-10-01 2010-10-01 false Insurance coverage. 19.31 Section 19.31... Requirements Property Standards § 19.31 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for real property and equipment acquired with Federal funds as provided...

  15. 40 CFR 30.31 - Insurance coverage.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 1 2010-07-01 2010-07-01 false Insurance coverage. 30.31 Section 30.31... NON-PROFIT ORGANIZATIONS Post-Award Requirements Property Standards § 30.31 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for real property and...

  16. 2 CFR 215.31 - Insurance coverage.

    Science.gov (United States)

    2010-01-01

    ... 2 Grants and Agreements 1 2010-01-01 2010-01-01 false Insurance coverage. 215.31 Section 215.31 Grants and Agreements OFFICE OF MANAGEMENT AND BUDGET CIRCULARS AND GUIDANCE Reserved UNIFORM... Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for...

  17. 24 CFR 84.31 - Insurance coverage.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 1 2010-04-01 2010-04-01 false Insurance coverage. 84.31 Section 84.31 Housing and Urban Development Office of the Secretary, Department of Housing and Urban... Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for...

  18. 27 CFR 24.68 - Insurance coverage.

    Science.gov (United States)

    2010-04-01

    ... 27 Alcohol, Tobacco Products and Firearms 1 2010-04-01 2010-04-01 false Insurance coverage. 24.68... OF THE TREASURY LIQUORS WINE Administrative and Miscellaneous Provisions Claims § 24.68 Insurance... recompensed for such tax by any valid claim of insurance or otherwise. (Sec. 201, Pub. L. 85-859, 72...

  19. 33 CFR 136.111 - Insurance.

    Science.gov (United States)

    2010-07-01

    ... 33 Navigation and Navigable Waters 2 2010-07-01 2010-07-01 false Insurance. 136.111 Section 136...; DESIGNATION OF SOURCE; AND ADVERTISEMENT General Procedure § 136.111 Insurance. (a) A claimant shall provide the following information concerning any insurance which may cover the removal costs or damages...

  20. 38 CFR 36.4222 - Hazard insurance.

    Science.gov (United States)

    2010-07-01

    ... 38 Pensions, Bonuses, and Veterans' Relief 2 2010-07-01 2010-07-01 false Hazard insurance. 36.4222... General Provisions § 36.4222 Hazard insurance. (a) The holder shall require insurance policies to be... it may be subjected to the extent customary in the locality. The costs of such required...

  1. 29 CFR 95.31 - Insurance coverage.

    Science.gov (United States)

    2010-07-01

    ... 29 Labor 1 2010-07-01 2010-07-01 true Insurance coverage. 95.31 Section 95.31 Labor Office of the Secretary of Labor GRANTS AND AGREEMENTS WITH INSTITUTIONS OF HIGHER EDUCATION, HOSPITALS, AND OTHER NON... § 95.31 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance...

  2. 24 CFR 35.1140 - Insurance coverage.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 1 2010-04-01 2010-04-01 false Insurance coverage. 35.1140 Section... § 35.1140 Insurance coverage. For the requirements concerning the obligation of a PHA to obtain reasonable insurance coverage with respect to the hazards associated with evaluation and hazard...

  3. 46 CFR 326.2 - Insurer.

    Science.gov (United States)

    2010-10-01

    ... coverage under one or more policies written by underwriters of marine insurance. MARAD shall determine the... ADMINISTRATION, DEPARTMENT OF TRANSPORTATION A-NATIONAL SHIPPING AUTHORITY MARINE PROTECTION AND INDEMNITY INSURANCE UNDER AGREEMENTS WITH AGENTS § 326.2 Insurer. MARAD shall be responsible for providing...

  4. ROLE OF INTERNET IN INSURANCE SERVICES REALIZATION

    Directory of Open Access Journals (Sweden)

    N. Prikazyuk

    2014-03-01

    Full Text Available The role of the Internet in the implementation of insurance products is investigated. It is founded the Internet in insurance performs presentable and realizable function. The benefits of using Internet technologies for business of insurance market are determined.

  5. FUNDING OF ACCIDENT INSURANCE IN UKRAINE

    Directory of Open Access Journals (Sweden)

    O. Gamankova

    2016-03-01

    Full Text Available The paper deals with the peculiarities of financial provision of public and private accident insurance. Analyzes the methodology of forming insurance premium rates in private accident insurance. The study examines the practice of reforming the financial security of the state social insurance against accidents. The results show need to implement scientifically proven approach to determining premium rates in the state social insurance based on mathematical statistics and actuarial calculations to ensure that such conditions on the one hand, can insure the risk, and the other - to provide the insurer the ability to perform insurance obligations' commitments. One of the promising areas of improvement Accident Insurance determines to define increasing the role of the private sector to create and attraction of investments, financing, reduce costs, and provision of insurance services on insurance against accidents at a qualitatively higher level. The results show the need to consider the usefulness of a mixed provision of services to accident insurance under state or non-state system, and the viability and effectiveness of the combination of these systems.

  6. 7 CFR 1724.6 - Insurance requirements.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Insurance requirements. 1724.6 Section 1724.6... Insurance requirements. (a) Borrowers shall ensure that all architects and engineers working under contract with the borrower have insurance coverage as required by part 1788 of this chapter. (b) Borrowers...

  7. 32 CFR 766.9 - Insurance requirements.

    Science.gov (United States)

    2010-07-01

    ... 32 National Defense 5 2010-07-01 2010-07-01 false Insurance requirements. 766.9 Section 766.9... DEPARTMENT OF THE NAVY AVIATION FACILITIES BY CIVIL AIRCRAFT § 766.9 Insurance requirements. (a) Control of insurance. The Commander, Naval Facilities Engineering Command, or his designee, shall be responsible...

  8. 7 CFR 1416.7 - Insurance requirements.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 10 2010-01-01 2010-01-01 false Insurance requirements. 1416.7 Section 1416.7... PROGRAMS General Provisions for 2006 Emergency Agricultural Disaster Assistance Programs § 1416.7 Insurance... rates for producers who did not have crop insurance or coverage under the Noninsured Crop...

  9. Specific aspects of insurance of nuclear risks

    International Nuclear Information System (INIS)

    The following questions are discussed in connection with the insurance of nuclear risks: insurance techniques, the nuclear operator's limitation of liability in amount and in time, its channelling, the principle of sole liability and exonerations, the insurers' position, the cover provided and state intervention beyond that amount. (NEA)

  10. Evolutionary dynamics of collective index insurance.

    Science.gov (United States)

    Pacheco, Jorge M; Santos, Francisco C; Levin, Simon A

    2016-03-01

    Index-based insurances offer promising opportunities for climate-risk investments in developing countries. Indeed, contracts conditional on, e.g., weather or livestock indexes can be cheaper to set up than conventional indemnity-based insurances, while offering a safety net to vulnerable households, allowing them to eventually escape poverty traps. Moreover, transaction costs by insurance companies may be additionally reduced if contracts, instead of arranged with single households, are endorsed by collectives of households that bear the responsibility of managing the division of the insurance coverage by its members whenever the index is surpassed, allowing for additional flexibility in what concerns risk-sharing and also allowing insurance companies to avoid the costs associated with moral hazard. Here we resort to a population dynamics framework to investigate under which conditions household collectives may find collective index insurances attractive, when compared with individual index insurances. We assume risk sharing among the participants of each collective, and model collective action in terms of an N-person threshold game. Compared to less affordable individual index insurances, we show how collective index insurances lead to a coordination problem in which the adoption of index insurances may become the optimal decision, spreading index insurance coverage to the entire population. We further investigate the role of risk-averse and risk-prone behaviors, as well as the role of partial correlation between insurance coverage and actual loss of crops, and in which way these affect the original coordination thresholds. PMID:26486802

  11. Entrepreneurial Moral Hazard in Income Insurance

    NARCIS (Netherlands)

    Ejrnaes, Mette; Hochguertel, Stefan

    2008-01-01

    We study risk behavior of Danish self-employed entrepreneurs, whose income risk may be driven by both exogenous factors and effort choice (moral hazard). Partial insurance is available through voluntary unemployment insurance (UI). Additional incentives to sign insurance contracts stem from a UI-emb

  12. 20 CFR 617.58 - Unemployment insurance.

    Science.gov (United States)

    2010-04-01

    ... 20 Employees' Benefits 3 2010-04-01 2010-04-01 false Unemployment insurance. 617.58 Section 617.58 Employees' Benefits EMPLOYMENT AND TRAINING ADMINISTRATION, DEPARTMENT OF LABOR TRADE ADJUSTMENT ASSISTANCE... Unemployment insurance. Unemployment insurance payable to an adversely affected worker shall not be denied...

  13. Consumer price sensitivity in Dutch health insurance

    NARCIS (Netherlands)

    M. van Dijk (Machiel); M. Pomp (Marc); R.C.H.M. Douven (Rudy C.H.M.); T. Laske-Aldershof (Trea); F.T. Schut (Erik); W. de Boer (Willem); A. Boo (Anne)

    2008-01-01

    textabstractAim: To estimate the price sensitivity of consumer choice of health insurance firm. Method: Using paneldata of the flows of insured betweenpairs of Dutch sickness funds during the period 1993-2002, we estimate the sensitivity of these flows to differences in insurance premium. Results: T

  14. The Normative Foundations of (Social) Insurance

    DEFF Research Database (Denmark)

    Landes, Xavier

    Insurance mechanisms are prevalent in industrialized societies, in both public and private sectors. Insurance is offered for various risks ranging from fire to accident. They also constitute the core of the modern welfare state (public health insurance, unemployment benefits and public pensions)....

  15. Statistical tools for non-life insurance

    NARCIS (Netherlands)

    K. Antonio

    2008-01-01

    Within the actuarial profession a major challenge can be found in the construction of a fair tariff structure. In light of the heterogeneity within, for instance, a car insurance portfolio, an insurance company should not apply the same premium for all insured risks. Otherwise the so-called concept

  16. 24 CFR 232.805 - Insurance premiums.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance premiums. 232.805 Section... FACILITIES Contract Rights and Obligations Premiums § 232.805 Insurance premiums. (a) First premium. The... insurance premium equal to one percent of the original face amount of the note. (b) Second premium....

  17. AMERICAN SHARE INSURANCE: THE SOLE SURVIVING PRIVATE DEPOSIT INSURER IN THE UNITED STATES

    Directory of Open Access Journals (Sweden)

    Stephanie O. Crofton

    2010-01-01

    Full Text Available Founded in 1974, American Share Insurance (ASI is an insurer for deposits in credit unions and it is the sole surviving private primary deposit insurer in the US. We assess reasons why ASI survived when numerous other deposit insurance systems did not. These reasons include ASI’s policy of insuring only credit unions, its geographic diversification, its efforts to shed the quasi-governmental nature of other nonfederal deposit insurers, its covering only stronger depositories, its ability to draw funding from stronger insured institutions as needed, and its use of incentives for improved performance among its insured institutions. While the severity of the effects of the housing, financial, and economic crises on depositories and their insurers is yet to become fully clear, ASI’s performance up to the Summer of 2009 points to a set of practices that could help buttress other government and private deposit insurers in the US and abroad.

  18. The impact of insurance coverage during insurance reform on diagnostic resolution of cancer screening abnormalities.

    Science.gov (United States)

    Kapoor, Alok; Battaglia, Tracy A; Isabelle, Alexis P; Hanchate, Amresh D; Kalish, Richard L; Bak, Sharon; Mishuris, Rebecca G; Shroff, Swati M; Freund, Karen M

    2014-02-01

    We examined the impact of Massachusetts insurance reform on the care of women at six community health centers with abnormal breast and cervical cancer screening to investigate whether stability of insurance coverage was associated with more timely diagnostic resolution. We conducted Cox proportional hazards models to predict time from cancer screening to diagnostic resolution, examining the impact of 1) insurance status at time of screening abnormality, 2) number of insurance switches over a three-year period, and 3) insurance history over a three-year period. We identified 1,165 women with breast and 781 with cervical cancer screening abnormalities. In the breast cohort, Medicaid insurance at baseline, continuous public insurance, and losing insurance predicted delayed resolution. We did not find these effects in the cervical cohort. These data provide evidence that stability of health insurance coverage with insurance reform nationally may improve timely care after abnormal cancer screening in historically underserved women.

  19. Life Insurance Basics: A Self-Help Workbook for Consumers.

    Science.gov (United States)

    Saskatchewan Consumer and Commercial Affairs, Regina.

    This booklet provides consumers with an overview of information about life insurance. Chapter 1, "Why Life Insurance?" outlines the primary purposes of life insurance coverage and presents basic facts about the Canadian life insurance industry. Chapter 2, "Do I Need Life Insurance?" discusses life insurance coverage at specific age levels and…

  20. Consumer choice of social health insurance in managed competition.

    NARCIS (Netherlands)

    Kerssens, J.J.; Groenewegen, P.P.

    2003-01-01

    Objective: To promote managed competition in Dutch health insurance, the insured are now able to change health insurers. They can choose a health insurer with a low flat-rate premium, the best supplementary insurance and/or the best service. As we do not know why people prefer one health insurer to

  1. Consumer choice of social health insurance in managed competition

    NARCIS (Netherlands)

    Kerssens, Jan J.; Groenewegen, Peter P.

    2003-01-01

    Objective To promote managed competition in Dutch health insurance, the insured are now able to change heaith insurers. They can choose a health insurer with a low flat-rate premium, the best supplementary insurance and/or the best service. As we do not know why people prefer one health insurer to a

  2. Professional liability insurance with focus on legal professions

    OpenAIRE

    Hubinková, Barbora

    2015-01-01

    The thesis is about professional liability insurance, focused primarily on legal professions. The first part describes general liability insurance, then the thesis is focused on characteristics and specific features of professional liability insurance. The thesis also analyzes legal requirements for insurance of selected professions and significance of professional associations in professional liability insurance. In conclusion, it examines availability of professional liability insurance pro...

  3. PRIVATE OR PUBLIC PENSION INSURANCE?

    Directory of Open Access Journals (Sweden)

    Bogomil Manov

    2013-03-01

    Full Text Available The most recent trends in population dynamics and increased longevity risk have provoked a rigorous debate whether the private or the public pension insurance system should be predominant. The public pension insurance is dominated by the state that guarantees its stability, but is often compared to a pyramid or a Ponzi scheme. The private pension insurance provides personal retirement accounts and proper ownership of the accumulated funds, but its sustainability during prolonged market crises and inadequate risk sharing are often questioned. In order to address the issue, this study analyzes and compares a large set of arguments and popular opinions in favour and against both pension models. As a result of the study, a conclusion is drawn stating that both types of pension insurance, despite of their positive and negative features have their essential role nowadays. This study is part of a growing set of articles on the feasibility of using a proper combination of the two pension models and will contribute to future research on the topic and might benefit policymakers in taking an appropriate decision.

  4. Dynamic Insurance and Adverse Selection

    NARCIS (Netherlands)

    M.C.W. Janssen (Maarten); V.A. Karamychev (Vladimir)

    2001-01-01

    textabstractWe take a dynamic perspective on insurance markets under adverse selection and study a generalized Rothschild and Stiglitz model where agents may differ with respect to the accidental probability and their expenditure levels in case an accident occurs. We investigate the nature of dynami

  5. CERN HEALTH INSURANCE SUPERVISORY BOARD

    CERN Multimedia

    Sylvain Weisz

    2002-01-01

    All Members of the CERN Health Insurance Scheme (CHIS) are invited to a: CHIS Public Information Meeting Main Amphitheatre Tuesday 1 October 2002 (14:00-16:00) Topics will include the CHIS balance, trends in costs and the challenges facing our Scheme. Particular emphasis will be placed on hospitalisation in the Geneva area. Sylvain Weisz Chairman of the CHIS Board

  6. Gaining Access to Unemployment Insurance

    Science.gov (United States)

    Stewart, Beverly

    2008-01-01

    Using contingent faculty gives colleges and universities scheduling flexibility, and the lack of obligation to offer benefits to contingents saves them much money. In this article, the author contends that, in return for this shirking of responsibility, institutions of higher education should provide the merest unemployment insurance benefit to…

  7. The impact of public intervention on self-insurance and insurance activities in risky forest management

    OpenAIRE

    Brunette, Marielle; Couture, Stéphane; Association of Environmental and Resource Economists

    2007-01-01

    As suggested by Birot and Gollier (2001), one explenation of the low interest in insuring against fire and wind is the expectation that public subsidies will compensate the losses. This article examines the robustness of this explanation in a general model with many states of the world. We developp a theoretical model of self-insurance or insurance choice that emphasizes the interaction between market insurance, self-insurance and public intervention in forest. The effects of changes in the p...

  8. X-ray scan detection for cargo integrity

    Science.gov (United States)

    Valencia, Juan; Miller, Steve

    2011-04-01

    The increase of terrorism and its global impact has made the determination of the contents of cargo containers a necessity. Existing technology allows non-intrusive inspections to determine the contents of a container rapidly and accurately. However, some cargo shipments are exempt from such inspections. Hence, there is a need for a technology that enables rapid and accurate means of detecting whether such containers were non-intrusively inspected. Non-intrusive inspections are most commonly performed utilizing high powered X-ray equipment. The challenge is creating a device that can detect short duration X-ray scans while maintaining a portable, battery powered, low cost, and easy to use platform. The Pacific Northwest National Laboratory (PNNL) has developed a methodology and prototype device focused on this challenge. The prototype, developed by PNNL, is a battery powered electronic device that continuously measures its X-ray and Gamma exposure, calculates the dose equivalent rate, and makes a determination of whether the device has been exposed to the amount of radiation experienced during an X-ray inspection. Once an inspection is detected, the device will record a timestamp of the event and relay the information to authorized personnel via a visual alert, USB connection, and/or wireless communication. The results of this research demonstrate that PNNL's prototype device can be effective at determining whether a container was scanned by X-ray equipment typically used for cargo container inspections. This paper focuses on laboratory measurements and test results acquired with the PNNL prototype device using several X-ray radiation levels.

  9. Turkish Compulsory Earthquake Insurance (TCIP)

    Science.gov (United States)

    Erdik, M.; Durukal, E.; Sesetyan, K.

    2009-04-01

    Through a World Bank project a government-sponsored Turkish Catastrophic Insurance Pool (TCIP) is created in 2000 with the essential aim of transferring the government's financial burden of replacing earthquake-damaged housing to international reinsurance and capital markets. Providing coverage to about 2.9 Million homeowners TCIP is the largest insurance program in the country with about 0.5 Billion USD in its own reserves and about 2.3 Billion USD in total claims paying capacity. The total payment for earthquake damage since 2000 (mostly small, 226 earthquakes) amounts to about 13 Million USD. The country-wide penetration rate is about 22%, highest in the Marmara region (30%) and lowest in the south-east Turkey (9%). TCIP is the sole-source provider of earthquake loss coverage up to 90,000 USD per house. The annual premium, categorized on the basis of earthquake zones type of structure, is about US90 for a 100 square meter reinforced concrete building in the most hazardous zone with 2% deductible. The earthquake engineering related shortcomings of the TCIP is exemplified by fact that the average rate of 0.13% (for reinforced concrete buildings) with only 2% deductible is rather low compared to countries with similar earthquake exposure. From an earthquake engineering point of view the risk underwriting (Typification of housing units to be insured, earthquake intensity zonation and the sum insured) of the TCIP needs to be overhauled. Especially for large cities, models can be developed where its expected earthquake performance (and consequently the insurance premium) can be can be assessed on the basis of the location of the unit (microzoned earthquake hazard) and basic structural attributes (earthquake vulnerability relationships). With such an approach, in the future the TCIP can contribute to the control of construction through differentiation of premia on the basis of earthquake vulnerability.

  10. Automatic continuous monitoring system for dangerous sites and cargoes

    International Nuclear Information System (INIS)

    The problems of creation of automatic comprehensive continuous monitoring system for nuclear and radiation sites and cargoes of Rosatom Corporation, which carries out data collecting, processing, storage and transmission, including informational support to decision-making, as well as support to modelling and forecasting functions, are considered. The system includes components of two levels: site and industry. Currently the system is used to monitor over 8000 integrated parameters, which characterise the status of nuclear and radiation safety on Rosatom sites, environmental and fire safety

  11. Optimization of the imported air express cargo distribution problem

    Directory of Open Access Journals (Sweden)

    Hwang, T.L.

    2013-03-01

    Full Text Available This study examines the delivering network of imported air express cargo as an integrated multi-depot vehicle routing problem. Integrated multi-depot vehicle routing problem attempts to decide which service centers should be used and how much freight should be unloaded in each service center. The role of an exchange point which is allowing the delivery vans and shuttles to exchange imported and exported goods is also addressed. Test results demonstrate the feasibility of the four models so these are highly promising for use in a diverse array of applications, such as in home delivery and reverse logistics.

  12. Collinear swimmer propelling a cargo sphere at low Reynolds number

    CERN Document Server

    Felderhof, B U

    2014-01-01

    The swimming velocity and rate of dissipation of a linear chain consisting of two or three little spheres and a big sphere is studied on the basis of low Reynolds number hydrodynamics. The big sphere is treated as a passive cargo, driven by the tail of little spheres via hydrodynamic and direct elastic interaction. The fundamental solution of Stokes' equations in the presence of a sphere with no-slip boundary condition, as derived by Oseen, is used to model the hydrodynamic interactions between the big sphere and the little spheres.

  13. The Role of Nuclear Insurance Pools

    International Nuclear Information System (INIS)

    Since fifty years insurers respond to the need of both governments and the electricity industry to provide financial protection to cover the perils presented by the use of nuclear energy for peaceful purposes. This paper aims at explaining what difficulties had to be solved in order to enable insurers to provide such protection, that as a solution to these difficulties Nuclear Insurance Pools were formed, how such pools operate and what security they provide. Thereby not only a number of universal principles underlying nuclear pool insurance will be explained, but also some differences in the characteristics of such insurance per group of countries. (author)

  14. Risk assessment and nuclear insurance: an overview

    International Nuclear Information System (INIS)

    In the nascent years of commercial nuclear power, the insurance industry expressed confidence in the safety of nuclear operations by committing unprecedented insurance capacity to nuclear risks. As the nuclear industry has developed, it has compiled an enviable safety record. The initial confidence of the insurance industry has thus been justified and an ever-increasing portion of the financial liability associated with nuclear operations has been accepted by the world-wide insurance markets. This increasing acceptance and understanding of nuclear risks by the insurance industry has resulted in significantly reduced rates and large premium refunds for nuclear operators

  15. Risk transfer solutions for the insurance industry

    Directory of Open Access Journals (Sweden)

    Njegomir Vladimir

    2009-01-01

    Full Text Available The paper focuses on the traditional and alternative mechanisms for insurance risk transfer that are available to global as well as to domestic insurance companies. The findings suggest that traditional insurance risk transfer solutions available to insurance industry nowadays will be predominant in the foreseeable future but the increasing role of alternative solutions is to be expected as the complementary rather than supplementary solution to traditional transfer. Additionally, findings suggest that it is reasonable to expect that future development of risk transfer solutions in Serbia will follow the path that has been passed by global insurance industry.

  16. Spatial partitioning of secretory cargo from Golgi resident proteins in live cells

    Directory of Open Access Journals (Sweden)

    White Jamie

    2001-10-01

    Full Text Available Abstract Background To maintain organelle integrity, resident proteins must segregate from itinerant cargo during secretory transport. However, Golgi resident enzymes must have intimate access to secretory cargo in order to carry out glycosylation reactions. The amount of cargo and associated membrane may be significant compared to the amount of Golgi membrane and resident protein, but upon Golgi exit, cargo and resident are efficiently sorted. How this occurs in live cells is not known. Results We observed partitioning of the fluorescent Golgi resident T2-CFP and fluorescent cargo proteins VSVG3-YFP or VSVG3-SP-YFP upon Golgi exit after a synchronous pulse of cargo was released from the ER. Golgi elements remained stable in overall size, shape and relative position as cargo emptied. Cargo segregated from resident rapidly by blebbing into micron-sized domains that contained little or no detectable resident protein and that appeared to be continuous with the parent Golgi element. Post-Golgi transport carriers (TCs exited repeatedly from these domains. Alternatively, entire cargo domains exited Golgi elements, forming large TCs that fused directly with the plasma membrane. However, domain formation did not appear to be an absolute prerequisite for TC exit, since TCs also exited directly from Golgi elements in the absence of large domains. Quantitative cargo-specific photobleaching experiments revealed transfer of cargo between Golgi regions, but no discrete intra-Golgi TCs were observed. Conclusions Our results establish domain formation via rapid lateral partitioning as a general cellular strategy for segregating different transmembrane proteins along the secretory pathway and provide a framework for consideration of molecular mechanisms of secretory transport.

  17. Considerations on Albanian Life Insurance Market

    Directory of Open Access Journals (Sweden)

    Gentiana Sharku

    2011-03-01

    Full Text Available The life insurance sector is an important sector of the economy all over the world. Life insurance provides the economy and the individuals as well, a variety of fundamental financial services.Regardless the importance it has all around the world, life insurance market in Albania is still underdeveloped comparing not only to the Western European countries, but to the region countries as well. The comparative analysis of insurance market is carried out by means of two indexes: insurance density and penetration index. The life insurance market in Albania is facing several problems which will be further explained in the paper, together with some recommendations to be taken in account by Albanian insurance companies and the Albanian government as well.

  18. Insuring catastrophes and the role of governments

    Directory of Open Access Journals (Sweden)

    M. M. Boyer

    2013-08-01

    Full Text Available In this paper we model the cost of providing insurance coverage against natural and man-made hazards. We propose an insurance market model that explains (1 the use of reinsurance to help finance the cost of catastrophic events and (2 the implicit (or explicit presence of government entities acting as (reinsurers of last resort. Using an economic model, we show how insurance programmes should be designed to cover the losses due to a possible catastrophic natural hazard. Our results show that the optimal structure of a reinsurance programme minimizes the cost of offering insurance protection. We also show how government intervention can reduce the cost of insurance against natural catastrophes and increase policyholders' welfare. Our paper therefore offers public policy implications as to the role and presence of government as an insurer of last resort and the minimum insurance premium necessary to cover the cost of catastrophic events.

  19. Recent developments in health insurance, life insurance, and disability insurance case law.

    Science.gov (United States)

    Hasman, Joseph J; Chittenden, William A; Doolin, Elizabeth G; Wall, Julie F

    2008-01-01

    This survey reviews significant state and federal court decisions from 2006 and 2007 involving health, life, and disability insurance. Also reviewed is a June 2008 Supreme Court decision in the disability insurance realm, affirming that a conflict of interest exists when an ERISA plan sponsor or insurer fulfills the dual role of determining plan benefits and paying those benefits but noting that the conflict is merely one factor in considering the legality of benefit denials. In addition, this years' survey includes compelling decisions in the life and health arena, including cases addressing statutory penalties and mandated benefits, as well as some ERISA decisions of note. This year, the Texas Supreme Court held that Texas's most recent version of the prompt payment statute abolished the common law interpleader exception and allowed the prevailing adverse claimant in an interpleader action filed beyond the sixty-day statutory period to recover statutory interest and attorney fees from the insurer. Meanwhile, the Court of Appeals of New York upheld the constitutionality of a statute mandating coverage for contraceptives in those employer-sponsored health plans that offer prescription drug coverage, including those plans sponsored by faith-based social service organizations. In the ERISA context, litigants continue to fight over the standard of review with varying results. In a unique assault on the arbitrary and capricious standard of review, the Fourth Circuit found that an ERISA plan abused its discretion when it failed to apply the doctrine of contra proferentem to construe ambiguous plan terms against itself. In more hopeful news for plan insurers, the Tenth Circuit held that claimants are not entitled to review and rebut medical opinions generated during the administrative appeal of a claim denial before a final decision is reached unless such reports contain new factual information.

  20. 《鹿特丹规则》对海上保险及相关法律规则的影响%Impacts of the Rotterdam Rules on the marine insurance and relevant regulations

    Institute of Scientific and Technical Information of China (English)

    胡晓雨

    2011-01-01

    The Rotterdam Rules is, apparently, the process of redistribution of rights and obligations among the shipowners and cargo interests. However, effects of the new convention will ultimately be reflected upon diverse marine insurance relating to carriage of goods by sea, as well as the interest and risk allocation among insurers. This paper studies the influence of the new convention on cargo insurance and carrier's liability insurance from the perspective of insurers.%《鹿特丹规则》的条文变化,表面上看是船方与货方权利与义务的再分配,但最终影响的还是船货双方背后的海上货物运输相关的各种保险,以及保险人之间风险和利益的分配。从保险人角度出发,对货运险和保赔险在新的公约体系下可能受到的影响进行分析,并提出合理建议。

  1. [Evaluation of suicide in legal accident insurance and private insurance].

    Science.gov (United States)

    Möllhoff, G

    1989-11-01

    The thesis, that suicides are chiefly understood to be terminal stage developments and indemnified through compliance with prerequisites of the insurance law norm, is critically explained with regard to the scientific-theoretical evolution. Recent interdisciplinary investigations (epidemiology, statistics, sociology, psychology, psychiatry) as well as the changing approach of a large section of the population towards suicidal behaviour (self-determination and the responsibility of the individual, human dignity, breaking away from handed down moral judgements) show that the estimation held with cogency in many quarters with respect to suicide as being a reliable symptom of a disease, cannot be maintained. This result is further supported by the record number of individuals, within the sphere of the private insurance, finding themselves in financial and political "marginal situations" (class and social problems, material safeguard for families and the like) and committing suicide after reasonably pondering their dilemma; a condition which in many aspects comes close to "balance suicide". From an insurance medical angle the relevant statutory provisions and the supreme court jurisdiction of the last years are put forward to the medical experts with the requirements derived hereunder. PMID:2588397

  2. Achieving integrated convoys: cargo unmanned ground vehicle development and experimentation

    Science.gov (United States)

    Zych, Noah; Silver, David; Stager, David; Green, Colin; Pilarski, Thomas; Fischer, Jacob

    2013-05-01

    The Cargo UGV project was initiated in 2010 with the aim of developing and experimenting with advanced autonomous vehicles capable of being integrated unobtrusively into manned logistics convoys. The intent was to validate two hypotheses in complex, operationally representative environments: first, that unmanned tactical wheeled vehicles provide a force protection advantage by creating standoff distance to warfighters during ambushes or improvised explosive device attacks; and second, that these UGVs serve as force multipliers by enabling a single operator to control multiple unmanned assets. To assess whether current state-of-the-art autonomous vehicle technology was sufficiently capable to permit resupply missions to be executed with decreased risk and reduced manpower, and to assess the effect of UGVs on customary convoy tactics, the Marine Corps Warfighting Laboratory and the Joint Ground Robotics Enterprise sponsored Oshkosh Defense and the National Robotics Engineering Center to equip two standard Marine Corps cargo trucks for autonomous operation. This paper details the system architecture, hardware implementation, and software modules developed to meet the vehicle control, perception, and planner requirements compelled by this application. Additionally, the design of a custom human machine interface and an accompanying training program are described, as is the creation of a realistic convoy simulation environment for rapid system development. Finally, results are conveyed from a warfighter experiment in which the effectiveness of the training program for novice operators was assessed, and the impact of the UGVs on convoy operations was observed in a variety of scenarios via direct comparison to a fully manned convoy.

  3. Functional architecture of the retromer cargo-recognition complex

    Science.gov (United States)

    Hierro, Aitor; Rojas, Adriana L.; Rojas, Raul; Murthy, Namita; Effantin, Grégory; Kajava, Andrey V.; Steven, Alasdair C.; Bonifacino, Juan S.; Hurley, James H.

    2008-01-01

    The retromer complex 1, 2 is required for the sorting of acid hydrolases to lysosomes 3-7, transcytosis of the polymeric Ig receptor 8, Wnt gradient formation 9, 10, iron transporter recycling 11, and processing of the amyloid precursor protein 12. Human retromer consists of two smaller complexes, the cargo recognition Vps26:Vps29:Vps35 heterotrimer, and a membrane-targeting heterodimer or homodimer of SNX1 and/or SNX2 13. The crystal structure of a Vps29:Vps35 subcomplex shows how the metallophosphoesterase-fold subunit Vps29 14, 15 acts as a scaffold for the C-terminal half of Vps35. Vps35 forms a horseshoe-shaped right-handed α-helical solenoid whose concave face completely covers the metal-binding site of Vps29 and whose convex face exposes a series of hydrophobic interhelical grooves. Electron microscopy shows that the intact Vps26:Vps29:Vps35 complex is a stick-shaped, somewhat flexible, structure, ∼ 21 nm long. A hybrid structural model derived from crystal structures, electron microscopy, interaction studies, and bioinformatics shows that the α-solenoid fold extends the full length of Vps35, and that Vps26 is bound at the opposite end from Vps29. This extended structure presents multiple binding sites for the SNX complex and receptor cargo, and appears capable of flexing to conform to curved vesicular membranes. PMID:17891154

  4. 76 FR 24572 - Proposed Information Collection (Application for Ordinary Life Insurance) Activity: Comment Request

    Science.gov (United States)

    2011-05-02

    ... AFFAIRS Proposed Information Collection (Application for Ordinary Life Insurance) Activity: Comment... Insurance, Replacement Insurance for Modified Life Reduced at Age 65, National Service Life Insurance, VA Form 29-8485. b. Application for Ordinary Life Insurance, Replacement Insurance for Modified...

  5. Strong Interest In China’s Cargo Market——An interview with Jean-Peter Jansen, chairman of the Executive Board of Lufthansa Cargo AG.

    Institute of Scientific and Technical Information of China (English)

    2004-01-01

    <正>Lufthansa Cargo AG ranks top among European airlines in the flights bound for China. It has 14 weekly flights for Hong Kong to transport 720 tons of cargo and mails, nine weekly services for Shanghai to carry 450 tons and four weekly flights for Beijing to handle 250 tons.The carrier is showing strong interest in the Chinese market, for 11 per cent of its sales in 2003, 2.16 billion euro came from China.

  6. 77 FR 35993 - Agency Information Collection Activities: Cargo Container and Road Vehicle Certification for...

    Science.gov (United States)

    2012-06-15

    ... affected agencies. This information collection was previously published in the Federal Register (77 FR... SECURITY U.S. Customs and Border Protection Agency Information Collection Activities: Cargo Container and... Budget (OMB) for review and approval in accordance with the Paperwork Reduction Act: Cargo Container...

  7. 78 FR 58986 - Dry Cargo Residue Discharges in the Great Lakes

    Science.gov (United States)

    2013-09-25

    ... SECURITY Coast Guard 33 CFR Part 151 RIN 1625-AA89 Dry Cargo Residue Discharges in the Great Lakes AGENCY... the Great Lakes. The Coast Guard requests public comment on the FEIS. DATES: Comments and related... associated with a proposed final rule to regulate discharges of dry cargo residue in the Great Lakes....

  8. A hopping mechanism for cargo transport by molecular motors in crowded microtubules

    CERN Document Server

    Goldman, Carla

    2010-01-01

    Most models designed to study the bidirectional movement of cargos as they are driven by molecular motors rely on the idea that motors of different polarities can be coordinated by external agents if arranged into a motor-cargo complex to perform the necessary work [gross04]. Although these models have provided us with important insights into these phenomena, there are still many unanswered questions regarding the mechanisms through which the movement of the complex takes place on crowded microtubules. For example (i) how does cargo-binding affect motor motility? and in connection with that - (ii) how does the presence of other motors (and also other cargos) on the microtubule affect the motility of the motor-cargo complex? We discuss these questions from a different perspective. The movement of a cargo is conceived here as a hopping process resulting from the transference of cargo between neighboring motors. In the light of this, we examine the conditions under which cargo might display bidirectional movemen...

  9. DNA hairpins promote temperature controlled cargo encapsulation in a truncated octahedral nanocage structure family

    DEFF Research Database (Denmark)

    Franch, Oskar; Iacovelli, Federico; Falconi, Mattia;

    2016-01-01

    and showed that the two hairpin forming strands facilitated extension of at least one of the face surfaces of the cage scaffold, allowing entrance of the cargo protein into the cavity of the structure. Hence, the presented data demonstrate that cargo uptake does not involve a full opening of the structure...

  10. 49 CFR 1549.111 - Security threat assessments for personnel of certified cargo screening facilities.

    Science.gov (United States)

    2010-10-01

    ... 49 Transportation 9 2010-10-01 2010-10-01 false Security threat assessments for personnel of... SECURITY CERTIFIED CARGO SCREENING PROGRAM Operations § 1549.111 Security threat assessments for personnel... cargo screening facility, an indirect air carrier under 49 CFR part 1548 for transport on a...

  11. 46 CFR 308.523 - Application for revision of Open Cargo Policy, Form MA-303.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 8 2010-10-01 2010-10-01 false Application for revision of Open Cargo Policy, Form MA-303. 308.523 Section 308.523 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY... Application for revision of Open Cargo Policy, Form MA-303. An application for the revision of an Open...

  12. 46 CFR 308.548 - Standard form of underwriting agency agreement for cargo, Form MA-318.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 8 2010-10-01 2010-10-01 false Standard form of underwriting agency agreement for cargo, Form MA-318. 308.548 Section 308.548 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION... underwriting agency agreement for cargo, Form MA-318. This form, which may be obtained from the American...

  13. 46 CFR 308.545 - Facultative cargo policy, Form MA-316.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 8 2010-10-01 2010-10-01 false Facultative cargo policy, Form MA-316. 308.545 Section 308.545 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK... policy, Form MA-316. The standard form of War Risk Facultative Cargo Policy, Form MA-316, may be...

  14. 46 CFR 308.524 - Application for cancellation of Open Cargo Policy, Form MA-304.

    Science.gov (United States)

    2010-10-01

    ... MA-304. 308.524 Section 308.524 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION... § 308.524 Application for cancellation of Open Cargo Policy, Form MA-304. The standard form of application for cancellation of an Open Cargo Policy Form MA-304 may be obtained from the American War...

  15. 49 CFR 180.413 - Repair, modification, stretching, rebarrelling, or mounting of specification cargo tanks.

    Science.gov (United States)

    2010-10-01

    ... 49 Transportation 2 2010-10-01 2010-10-01 false Repair, modification, stretching, rebarrelling, or... of Cargo Tanks § 180.413 Repair, modification, stretching, rebarrelling, or mounting of specification cargo tanks. (a) General. Any repair, modification, stretching, rebarrelling, or mounting of a...

  16. 46 CFR 151.50-70 - Cargoes requiring inhibition or stabilization.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 5 2010-10-01 2010-10-01 false Cargoes requiring inhibition or stabilization. 151.50-70 Section 151.50-70 Shipping COAST GUARD, DEPARTMENT OF HOMELAND SECURITY (CONTINUED) CERTAIN BULK DANGEROUS... requiring inhibition or stabilization. When table 151.05 refers to this section, that cargo must be—...

  17. 33 CFR 126.29 - Supervision and control of dangerous cargo.

    Science.gov (United States)

    2010-07-01

    ... 33 Navigation and Navigable Waters 2 2010-07-01 2010-07-01 false Supervision and control of... Supervision and control of dangerous cargo. (a) Authority. The Captain of the Port is authorized to require... cargo covered by this subchapter shall be undertaken and continued only under the immediate...

  18. 46 CFR 32.60-15 - Segregation of cargo; Grade E-TB/ALL.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 1 2010-10-01 2010-10-01 false Segregation of cargo; Grade E-TB/ALL. 32.60-15 Section 32.60-15 Shipping COAST GUARD, DEPARTMENT OF HOMELAND SECURITY TANK VESSELS SPECIAL EQUIPMENT... § 32.60-15 Segregation of cargo; Grade E—TB/ALL. (a) General. The galleys, living quarters,...

  19. 78 FR 50134 - Altus Pharmaceuticals, Inc., Blackhawk Capital Group BDC, Inc., Cargo Connection Logistics...

    Science.gov (United States)

    2013-08-16

    ... From the Federal Register Online via the Government Publishing Office SECURITIES AND EXCHANGE COMMISSION Altus Pharmaceuticals, Inc., Blackhawk Capital Group BDC, Inc., Cargo Connection Logistics Holding... securities of Cargo Connection Logistics Holding, Inc. because it has not filed any periodic reports...

  20. Co-operative versus independent transport of different cargoes by Kinesin-1.

    Science.gov (United States)

    Hammond, Jennetta W; Griffin, Kelly; Jih, Gloria T; Stuckey, Jeanne; Verhey, Kristen J

    2008-05-01

    Kinesin motors drive the intracellular transport of multiple cargoes along microtubule tracks; yet, how kinesins discriminate among their many potential cargoes is unknown. We tested whether Kinesin-1 cargoes compete, co-operate or are transported independently of each other. We focused on Kinesin-1 cargoes that bind directly to the kinesin light chain (KLC) subunit, namely the c-Jun NH(2)-terminal kinase-interacting proteins (JIPs) 1 and 3, Kidins220/ARMS and PAT1. Overexpression of individual cargo proteins in differentiated CAD cells resulted in mislocalization of the endogenous protein but had no effect on localization of other cargo proteins to neurite tips. Thus, while transport of distinct cargoes is saturable, they do not compete with each other. Interestingly, we found that low expression of JIP1 or JIP3 enhanced the transport of the other JIP to neurite tips. Moreover, JIP1 and JIP3 require each other for transport. Co-operative transport is due to an interaction between JIP1 and JIP3 as well as distinct binding sites on the KLC tetratricopeptide repeat (TPR) bundle: the TPR groove binds to C-terminal residues of JIP1, whereas the TPR surface binds to internal residues in JIP3. Formation of a JIP1/JIP3/KLC complex is necessary for efficient JIP1 or JIP3 transport in neuronal cells. Thus, JIP scaffolding proteins are transported in a co-operative manner, despite the independent transport of other Kinesin-1 cargoes.

  1. 46 CFR 105.25-7 - Ventilation systems for cargo tank or pumping system compartment.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 4 2010-10-01 2010-10-01 false Ventilation systems for cargo tank or pumping system compartment. 105.25-7 Section 105.25-7 Shipping COAST GUARD, DEPARTMENT OF HOMELAND SECURITY (CONTINUED) CARGO... pumping system compartment. (a) Each compartment shall be provided with a mechanical exhaust...

  2. 46 CFR 105.25-5 - Compartments or areas containing cargo tanks or pumping systems.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 4 2010-10-01 2010-10-01 false Compartments or areas containing cargo tanks or pumping systems. 105.25-5 Section 105.25-5 Shipping COAST GUARD, DEPARTMENT OF HOMELAND SECURITY (CONTINUED) CARGO... or pumping systems. (a) Compartments or areas containing tanks or pumping systems shall be closed...

  3. 19 CFR 192.14 - Electronic information for outward cargo required in advance of departure.

    Science.gov (United States)

    2010-04-01

    ... 19 Customs Duties 2 2010-04-01 2010-04-01 false Electronic information for outward cargo required... Information Through the Automated Export System (AES) § 192.14 Electronic information for outward cargo required in advance of departure. (a) General requirement. Pursuant to section 343(a), Trade Act of...

  4. 46 CFR 153.981 - Leaving room in tank for cargo expansion.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 5 2010-10-01 2010-10-01 false Leaving room in tank for cargo expansion. 153.981 Section 153.981 Shipping COAST GUARD, DEPARTMENT OF HOMELAND SECURITY (CONTINUED) CERTAIN BULK DANGEROUS... Transfer Procedures § 153.981 Leaving room in tank for cargo expansion. The person in charge of...

  5. 46 CFR 154.1210 - Hold space, void space, cofferdam, and spaces containing cargo piping.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 5 2010-10-01 2010-10-01 false Hold space, void space, cofferdam, and spaces containing... Design, Construction and Equipment Cargo Area: Mechanical Ventilation System § 154.1210 Hold space, void space, cofferdam, and spaces containing cargo piping. (a) Each hold space, void space, cofferdam,...

  6. 29 CFR Appendix III to Part 1918 - The Mechanics of Conventional Cargo Gear (Non-mandatory)

    Science.gov (United States)

    2010-07-01

    ... 29 Labor 7 2010-07-01 2010-07-01 false The Mechanics of Conventional Cargo Gear (Non-mandatory.... 1918, App. III Appendix III to Part 1918—The Mechanics of Conventional Cargo Gear (Non-mandatory) Note: This appendix is non-mandatory and provides an explanation of the mechanics in the correct spotting...

  7. 75 FR 9638 - Safety Advisory Notice: Use of Composite Cargo Tanks Manufactured Under DOT Special Permits

    Science.gov (United States)

    2010-03-03

    ... manufacturers of composite cargo tanks are not performing the required compatibility testing or maintaining test... TRANSPORTATION Pipeline and Hazardous Materials Safety Administration Safety Advisory Notice: Use of Composite... persons who manufacture or use composite cargo tank motor vehicles authorized under DOT special permits...

  8. 46 CFR 31.40-5 - Cargo Ship Safety Construction Certificate-T/ALL.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 1 2010-10-01 2010-10-01 false Cargo Ship Safety Construction Certificate-T/ALL. 31.40... Safety Construction Certificate—T/ALL. (a) All tankships on an international voyage are required to have a Cargo Ship Safety Construction Certificate. This certificate shall be issued by the U.S....

  9. Earthquake Disaster Management and Insurance

    Institute of Scientific and Technical Information of China (English)

    2004-01-01

    As one of the most powerful tools to reduce the earthquake loss, the Earthquake Disaster Management [EDM] and Insurance [EI] have been highlighted and have had a great progress in many countries in recent years. Earthquake disaster management includes a series of contents, such as earthquake hazard and risk analysis, vulnerability analysis of building and infrastructure, earthquake aware training, and building the emergency response system. EI, which has been included in EDM after this practice has been...

  10. Economic Valuation Models for Insurers

    OpenAIRE

    David F. Babbel; Craig Merrill

    1997-01-01

    Recently much attention has been given to the approaches insurers undertake in valuing their liabilities and assets. For example, in 1994 the American Academy of Actuaries created a Fair Valuation of Liabilities Task Force to address the issue. In 1997, the Academy established a Valuation Law Task Force and a Valuation Tools Working Group to investigate the various valuation approaches extant and to make recommendations on which models are best suited to the task. Much of the published work h...

  11. Insurance and liquidity : panel evidence

    OpenAIRE

    Shankar, Rashmi

    2005-01-01

    The author presents evidence that balance sheet effects are critical determinants of both the likelihood of a crisis and of income losses following a crisis. She tests the validity of "insurance" and "liquidity" models of currency crisis. Both models predict that the occurrence of a balance of payments crisis is conditional on the health of the nation's accounts in relation to the rest of the world. Problems in the balance sheet either cause a financial crisis that develops into a run on the ...

  12. Car insurance information management system

    OpenAIRE

    Sun, Yu

    2015-01-01

    A customer information system is a typical information management system. It involves three aspects, the backstage database establishment, the application development and the system maintenance. A car insurance information management system is based on browser/server structure. Microsoft SQL Server establishes the backstage database. Active Server Pages, from Microsoft as well is used as the interface layer. The objective of this thesis was to apply ASP to the dynamic storage of a web page...

  13. Optimal Auditing for Insurance Fraud

    OpenAIRE

    Georges Dionne; Florence Giuliano; Pierre Picard

    2003-01-01

    This article aims at making a bridge between the theory of optimal auditing and current procedures applied to audit files in different markets where scoring is the instrument used to implement an audit strategy. The literature has not yet developed an optimal audit policy for the scoring methodology. Our application is meant for the audit of insurance fraud but can be applied to many other activities that use the scoring approach. On the theoretical side, we show that the optimal auditing str...

  14. Optimal Insurance Under Random Auditing

    OpenAIRE

    Marie-Cécile Fagart; Pierre Picard

    1998-01-01

    We provide a characterization of an optimal insurance contract (coverage schedule and audit policy) when the monitoring procedure is random. When the policyholder exhibits constant absolute risk aversion, the optimal contract involves a positive indemnity payment with a deductible when the magnitude of damages exceeds a threshold. In such a case, marginal damages are fully covered if the claim is verified. Otherwise, there is an additional deductible that disappears when the damages become in...

  15. An Economic Analysis of Compulsory and Voluntary Insurance

    OpenAIRE

    Kazuhiko Sakai; Mahito Okura

    2012-01-01

    This research analyzes an insurance market in which compulsory and voluntary insurance coexist. In particular, we investigate whether compulsory insurance provides an incentive to purchase voluntary insurance. The main conclusions of this article are as follows. When only voluntary insurance exists, we find that (1) an individual has a stronger incentive to purchase insurance when his or her future utility is high, (2) whether an individual’s incentive to purchase insurance becomes stronger w...

  16. Insurance and its forms in the Czech Republic

    OpenAIRE

    Kunešová, Tereza

    2012-01-01

    This diploma thesis characterizes the beginnings of insurance industry and the emergence of insurance industry on the territory of today's Czech Republic. It defines the legal regulation of insurance industry, the meaning of insurance industry for the economy and the fundamental terms in insurance industry. Furthermore, the thesis specifies insurable risk, its division and risk management which are closely related to the insurance sector. Last but not least the thesis characterizes the insura...

  17. Interactions between demand for self-insurance and for market insurance

    OpenAIRE

    Piotr Dudziński

    2012-01-01

    This paper considers interactions between demand for market insurance and the level of self-insurance. The concept of self-insurance as an alternative for market insurance was presented by Ehrlich and Becker. Their original model accounts for only two states of the world and suggests that self-insurance and market insurance are substitute goods. This classical view does not extend to the case of many states of the world. In this paper a more general model is described, as under information as...

  18. Life insurance theory actuarial perspectives

    CERN Document Server

    Vylder, F Etienne

    1997-01-01

    This book is different from all other books on Life Insurance by at least one of the following characteristics 1-4. 1. The treatment of life insurances at three different levels: time-capital, present value and price level. We call time-capital any distribution of a capital over time: (*) is the time-capital with amounts Cl, ~, ... , C at moments Tl, T , ..• , T resp. N 2 N For instance, let (x) be a life at instant 0 with future lifetime X. Then the whole oO oO life insurance A is the time-capital (I,X). The whole life annuity ä is the x x time-capital (1,0) + (1,1) + (1,2) + ... + (I,'X), where 'X is the integer part ofX. The present value at 0 of time-capital (*) is the random variable T1 T TN Cl V + ~ v , + ... + CNV . (**) In particular, the present value ofA 00 and ä 00 is x x 0 0 2 A = ~ and ä = 1 + v + v + ... + v'X resp. x x The price (or premium) of a time-capital is the expectation of its present value. In particular, the price ofA 00 and äx 00 is x 2 A = E(~) and ä = E(I + v + v + ... + v'X...

  19. VAMP4 Is an Essential Cargo Molecule for Activity-Dependent Bulk Endocytosis.

    Science.gov (United States)

    Nicholson-Fish, Jessica C; Kokotos, Alexandros C; Gillingwater, Thomas H; Smillie, Karen J; Cousin, Michael A

    2015-12-01

    The accurate formation of synaptic vesicles (SVs) and incorporation of their protein cargo during endocytosis is critical for the maintenance of neurotransmission. During intense neuronal activity, a transient and acute accumulation of SV cargo occurs at the plasma membrane. Activity-dependent bulk endocytosis (ADBE) is the dominant SV endocytosis mode under these conditions; however, it is currently unknown how ADBE mediates cargo retrieval. We examined the retrieval of different SV cargo molecules during intense stimulation using a series of genetically encoded pH-sensitive reporters in neuronal cultures. The retrieval of only one reporter, VAMP4-pHluorin, was perturbed by inhibiting ADBE. This selective recovery was confirmed by the enrichment of endogenous VAMP4 in purified bulk endosomes formed by ADBE. VAMP4 was also essential for ADBE, with a cytoplasmic di-leucine motif being critical for this role. Therefore, VAMP4 is the first identified ADBE cargo and is essential for this endocytosis mode to proceed.

  20. Structural Basis of Cargo Recognition by Unconventional Myosins in Cellular Trafficking.

    Science.gov (United States)

    Li, Jianchao; Lu, Qing; Zhang, Mingjie

    2016-08-01

    Unconventional myosins are a superfamily of actin-based molecular motors playing diverse roles including cellular trafficking, mechanical supports, force sensing and transmission, etc. The variable neck and tail domains of unconventional myosins function to bind to specific cargoes including proteins and lipid vesicles and thus are largely responsible for the diverse cellular functions of myosins in vivo. In addition, the tail regions, together with their cognate cargoes, can regulate activities of the motor heads. This review outlines the advances made in recent years on cargo recognition and cargo binding-induced regulation of the activity of several unconventional myosins including myosin-I, V, VI and X in cellular trafficking. We approach this topic by describing a series of high-resolution structures of the neck and tail domains of these unconventional myosins either alone or in complex with their specific cargoes, and by discussing potential implications of these structural studies on cellular trafficking of these myosin motors. PMID:26842936

  1. A new vehicle for urban freight? An ex-ante evaluation of electric cargo bikes in courier services

    OpenAIRE

    Gruber, Johannes; Kihm, Alexander; Lenz, Barbara

    2014-01-01

    One possible strategy to tackle the negative effects of urban freight is the substitution of cars by electric cargo bikes for inner-city courier shipments. This paper determines whether there is a potential market for electric cargo bikes, how the current market is organized, how electric cargo bikes are perceived by bike and car messengers, and what factors drive their willingness to use them. We find that in terms of cost, payload and range, electric cargo bikes lie in between two existing ...

  2. Electronic Method to Detect Persons Hidden Within Cargo containers

    Energy Technology Data Exchange (ETDEWEB)

    Fuller, G.M.

    1997-11-10

    Physical security technologies have been unable to address most `Trojan Horse' scenarios at vehicle portals which provide access through the perimeter of a secure area. Thorough visual searches of vehicle cargo containers are time consuming, involve a number of security personnel and are cursory at best. Vehicles entering or exiting a protected site provide an adversary with an easy pathway across secure boundaries. A method to detect the presence of persons hiding within a vehicle's enclosed cargo container has been developed by LQckheed Martin Energy Systems. The system measures vibrations coupled to the container and generated by the human heart. Each time the human heart beats, it generates a small but measurable shock wave. This shock wave is propagated through the body and transmitted to anything with which the body has contact. This wave is referred to as a baflistocardiograrn and is the mechanical equivalent to an electrocardiogram. Systems have been installed in several State prisons and have been independently tested and evaluated. The effectiveness of the system has been determined by the Thunder Mountain Evaluation Center at Fort Huachuca. Arizona. Sympathetic vibrations of the cargo container's surface can be collected using any of several detection methods, i.e. infrared, Doppler microwave, Doppler ultrasonic wave and geophones. The analog signal delivered by the sensors is passed through an amplifier and a low pass filter and then fed to a microprocessor via an analog to digital converter. When initiated by the operator, anafog signals are recorded for a specific interval of time and rate. At the end of the recording intervaL the data are analysed using wavelet transform techniques and compared with a ballistocardiographic template. If the collected data are similar, the system informs the operator that there is a high degree of probability that a person is within the vehicle. The paper describes in depth the development of the system

  3. Micro-insurance as the Basis for Development of Voluntary Medical Insurance in Ukraine

    Directory of Open Access Journals (Sweden)

    Pahnenko Olena M.

    2014-01-01

    Full Text Available The article analyses the modern state of development of medical insurance in Ukraine and also studies advantages and shortcomings of the use of micro-insurance for popularisation of programmes of voluntary medical insurance and satisfaction of needs in high quality medical services for all layers of the population. It identifies that as of today the Ukrainian healthcare system is at the stage of reformation, mandatory medical insurance is not yet introduced and main consumers of the programmes of voluntary medical insurance are corporate clients. The article considers main constraints of development of medical insurance in Ukraine, including: low level of income of the population; absence of high quality providers of medical services in regions; and insufficient degree of trust of the population to the insurance sphere. The article shows that introduction of micro-insurance would positively influence the development of insurance medicine in the country, would facilitate provision of medical services even for poor citizens and would allow reduction of state budget expenditures on healthcare. The conducted study of restrictions and shortcomings of introduction of micro-insurance allowed identification of the fact that main of them are information asymmetry (unfavourable selection of risks, moral risk and insurance fraud, significant limitation of insurance coverage and difficulties in identifying optimal insurance tariffs.

  4. 46 CFR 154.1836 - Vapor venting as a means of cargo tank pressure and temperature control.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 5 2010-10-01 2010-10-01 false Vapor venting as a means of cargo tank pressure and... LIQUEFIED GASES Operations § 154.1836 Vapor venting as a means of cargo tank pressure and temperature... cargo pressure and temperature control system under §§ 154.701 through 154.709 is operating and...

  5. 46 CFR 38.05-3 - Design and construction of pressure vessel type cargo tanks-TB/ALL.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 1 2010-10-01 2010-10-01 false Design and construction of pressure vessel type cargo... LIQUEFIED FLAMMABLE GASES Design and Installation § 38.05-3 Design and construction of pressure vessel type cargo tanks—TB/ALL. (a) Cargo tanks of pressure vessel configuration (e.g. cylindrical, spherical,...

  6. 77 FR 11145 - Intent to Request Renewal From OMB of One Current Public Collection of Information: Air Cargo...

    Science.gov (United States)

    2012-02-24

    ... threat assessments (STA), known shipper data via the Known Shipper Management System (KSMS), Air Cargo Data Management System (ACDMS), Cargo Reporting Tool for cargo screening reporting, and evidence of..., abstracted below that we will submit to the Office of Management and Budget (OMB) for renewal in...

  7. Effectiveness of insurance risk management under crisis conditions

    Directory of Open Access Journals (Sweden)

    I.G. Goncharenko

    2015-06-01

    Full Text Available In the article some historical aspects of insurance, domestic trends in insurance risk management with aspects of international experience, the modern role of insurance and insurance companies in a market economy, factors of risk management system and the nature of the insurance portfolio are analyzed. Factors of risk events in insurance, the spectrum of risks, imbalance of the insurance market in crisis conditions are outlined; expert’s estimations of the insurance market in recent years are examined. Problems of insurance business perform are determined, especially insurance risk management. The ability to use the provisions of European insurance regulation on internal domestic insurance market is analyzed, and also the aspects of integration of Ukrainian insurance market are determined.

  8. Risk Management and Insurance Decisions under Ambiguity

    DEFF Research Database (Denmark)

    Martínez-Correa, Jimmy

    I study the impact of ambiguity on insurance decisions and the optimality of insurance contracts. My tractable approach allows me to study the interaction between risk and ambiguity attitudes. When insurance decisions are made independently of other assets, for a given increase in wealth, both risk...... and ambiguity attitudes interact in nontrivial ways to determine the change of coinsurance demand. I derive sufficient conditions to guarantee that the optimal coinsurance demand is decreasing in wealth. When a non-traded asset is introduced, my model predicts behavior that is inconsistent with the classical...... a counterexample to a classical result in insurance economics where an insurance contract with straight deductible is dominated by a coinsurance contract. Finally, I find that a modified Borch rule characterizes the optimal insurance contract with bilateral risk and ambiguity attitudes and heterogeneity in beliefs....

  9. Nuclear Insurance Pools: Worldwide Practice and Development

    International Nuclear Information System (INIS)

    The development of nuclear installations to produce electricity led to the establishment of Nuclear Insurance Pools and the introduction of international Conventions on Third Party Liability. Nuclear Pools offer both Third Party Liability insurance, reflecting the Conventions' principles, and other insurance products. They are market-wide, providing a facility for participation by insurers who could not otherwise write the insurance for the particularly sensitive nuclear risk. All acceptances are for the net retention of each Member without recourse to individual reinsurance protection. Common account reinsurance is arranged with other Nuclear Pools all over the world. Thus, a transparency is created, which ensures the highest degree of reinsurance security and imposes a known finite limit to each participating insurer's commitment. Therefore, Pool-members are prepared to make a greater commitment to nuclear risks than would be case where they felt uncertain as regards their total exposure following a significant loss. (author)

  10. Private health insurance and access to healthcare.

    Science.gov (United States)

    Duggal, Ravi

    2011-01-01

    The health insurance business in India has seen a growth of over 25% per annum in the last few years with the expansion of the private health insurance sector. The premium incomes of health insurance have crossed the Rs 8,000 crore mark with the share of private companies increasing to over 41%. This is despite the fact that from the perspective of patients, health insurance is not a good deal, especially when they need it most. This raises a number of ethical issues regarding how the health insurance business runs and how medical practice adjusts to it for profiteering. This article uses the personal experience of the author to argue that health insurance in an unregulated environment can only lead to unethical practices, further victimising the patient. Further, publicly financed healthcare which operates in an environment regulating both public and private healthcare provisioning is the only way to assure access to ethical and equitable healthcare to people. PMID:22106595

  11. ATHLETE: A Cargo-Handling Vehicle for Solar System Exploration

    Science.gov (United States)

    Wilcox, Brian H.

    2011-01-01

    As part of the NASA Exploration Technology Development Program, the Jet Propulsion Laboratory is developing a vehicle called ATHLETE: the All-Terrain Hex-Limbed Extra-Terrestrial Explorer. Each vehicle is based on six wheels at the ends of six multi-degree-of-freedom limbs. Because each limb has enough degrees of freedom for use as a general-purpose leg, the wheels can be locked and used as feet to walk out of excessively soft or other extreme terrain. Since the vehicle has this alternative mode of traversing through or at least out of extreme terrain, the wheels and wheel actuators can be sized for nominal terrain. There are substantial mass savings in the wheel and wheel actuators associated with designing for nominal instead of extreme terrain. These mass savings are comparable-to or larger-than the extra mass associated with the articulated limbs. As a result, the entire mobility system, including wheels and limbs, can be about 25% lighter than a conventional mobility chassis. A side benefit of this approach is that each limb has sufficient degrees-of-freedom to use as a general-purpose manipulator (hence the name "limb" instead of "leg"). Our prototype ATHLETE vehicles have quick-disconnect tool adapters on the limbs that allow tools to be drawn out of a "tool belt" and maneuvered by the limb. A power-take-off from the wheel actuates the tools, so that they can take advantage of the 1+ horsepower motor in each wheel to enable drilling, gripping or other power-tool functions. Architectural studies have indicated that one useful role for ATHLETE in planetary (moon or Mars) exploration is to "walk" cargo off the payload deck of a lander and transport it across the surface. Recent architectural approaches are focused on the concept that the lander descent stage will use liquid hydrogen as a propellant. This is the highest performance chemical fuel, but it requires very large tanks. A natural geometry for the lander is to have a single throttleable rocket engine on

  12. Multirole cargo aircraft options and configurations. [economic analysis

    Science.gov (United States)

    Conner, D. W.; Vaughan, J. C., III

    1979-01-01

    A future requirements and advanced market evaluation study indicates derivatives of current wide-body aircraft, using 1980 advanced technology, would be economically attractive through 2008, but new dedicated airfreighters incorporating 1990 technology, would offer little or no economic incentive. They would be economically attractive for all payload sizes, however, if RD and T costs could be shared in a joint civil/military arrangement. For the 1994-2008 cargo market, option studies indicate Mach 0.7 propfans would be economically attractive in trip cost, aircraft price and airline ROI. Spanloaders would have an even lower price and higher ROI but would have a relatively high trip cost because of aerodynamic inefficiencies. Dedicated airfreighters using propfans at Mach 0.8 cruise, laminar flow control, or cryofuels, would not provide any great economic benefits. Air cushion landing gear configurations are identified as an option for avoiding runway constraints on airport requirements and/or operational constraints are noted.

  13. Fortuity in the law of marine insurance

    OpenAIRE

    Bennett, Howard

    2007-01-01

    This article addresses the meaning and significance of the concept of fortuity within the law of marine insurance. Voluntary conduct, naturally occurring losses and inherent vice, and inevitable losses are analysed, highlighting both the variable role and varied meanings of fortuity and considering the extent to which fortuity represents a presumption as to the interpretation of insurance contracts or an absolute restriction on the scope of insurance.

  14. Swedish marine insurance between the World Wars

    OpenAIRE

    Petersson, Gustav Jakob

    2010-01-01

    The present licentiate thesis analyses developments in Swedish marine insurance during the interwar period, including both direct marine insurance and marine reinsurance. This is done in order to provide insights on how companies of a highly internationalised and vulnerable line of insurance were affected by and responded to new risks during a period of far-reaching international financial and economic crises. Finally, the consequences of new risks and strategies are assessed. This thesis arg...

  15. Causation in Hull Insurance : A Nordic perspective

    OpenAIRE

    2010-01-01

    The objective of the thesis is to compare the rules on causation and incidence of loss from a hull insurance perspective in the Nordic countries. As a consequence of there being underlying differences in how these questions are resolved, it therefore results in an interesting comparison. In addition, in light of the proposal of a common Marine Insurance Plan for the entire Nordic market a comparison is relevant for the same reasons. In the Norwegian Marine Insurance Plan the scope of the...

  16. Satellite power system (SPS) initial insurance evaluation

    Energy Technology Data Exchange (ETDEWEB)

    None

    1980-09-01

    The beginning of a process to educate the insurance industry about the Satellite Power System is reported. The report is divided into three sections. In the first section a general history describes how space risks are being insured today. This is followed by an attempt to identify the major risks inherent to the SPS. The final section presents a general projection of insurance market reactions to the Satellite Power System.

  17. New Kind of Insurance University under Building

    Institute of Scientific and Technical Information of China (English)

    2005-01-01

    Dec 11th, 2004 saw foreign capital formally entering into the native insurance field. Now a giant concussion and challenge face directly the native insurance companies and are sure to bring about more fury competition. How to win? The native insurance companies fix their eyes on the talents which are far lack in our country. Setting up university may be a good plan to explore talents.

  18. The economic insurance value of ecosystem resilience

    OpenAIRE

    Baumgärtner, Stefan; Strunz, Sebastian

    2009-01-01

    Ecosystem resilience, i.e. an ecosystem’s ability to maintain its basic functions and controls under disturbances, is often interpreted as insurance: by decreasing the probability of future drops in the provision of ecosystem services, resilience insures risk-averse ecosystem users against potential welfare losses. Using a general and stringent definition of “insurance” and a simple ecological-economic model, we derive the economic insurance value of ecosystem resilience and study how it depe...

  19. RETROSPECTION OF INSURANCE: ORIGIN, EVOLUTION, TOPICALITY

    Directory of Open Access Journals (Sweden)

    Cristina UNGUR

    2014-03-01

    Full Text Available Any human activity implies the existence of certain dangers for life, health or property. The need to protect them has led to insurance. In this article we present the chronological evolution of the phenomenon of insurance from its origin in antiquity to the contemporary period. We also show the interdependence of development of human civilization and the diversification and development of insurance services in various historical eras.

  20. HEALTH INSURANCE IN HEALTH REFORM IN UKRAINE

    Directory of Open Access Journals (Sweden)

    H. Tlusta

    2014-03-01

    Full Text Available The author of the article researched the teoretical and methodological approaches to the formation and development of the health insurance market conditions, also investigated the condition and features of the functioning of the health system in Ukraine and abroad, reasonable prospects of introducing mandatory and dissemination of voluntary health insurance, as well as ways of improving financial provide health insurance system in Ukraine.