Actuarial accuracy

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  • We live in a society that bombards consumers with messages, from pop-ups on computers, to on-line chat room links, to e-newsletters and e- blasts, to advertising in traditional media, all de- signed to build a “share of mind” for a product, service or social cause. marketing is at the heart of every successful brand, business, organization, and cause. marketing is not merely communica- tions. it is the sum presentation to the customer of a value equation that results in a sale or action.

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  • The United Nation’s Food and Agriculture Organization (FAO) has declared 2009 the International Year of Natural Fibers so we are using Wildlife Friendly certified plant and animal fibers, specifically yarn as a mini case to illustrate how you can pull together the guidance in this document for your product. Market Trends and relevance to Wildlife Friendly yarns - The past few years have seen an explosive interest in knitting and corresponding growth in yarn sales especially with a younger demographic of women.

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  • In terms of managing the one-on-one sessions, some pre-service teachers felt that it was necessary to spend the entire meeting discussing a single problematic word or phrase. These cases were usually handled by a discussion of the use of the word or phrase and the teacher’s suggestions for alternative expressions.

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  • Distance-based insurance reflects the principle that prices should be based on costs. It gives consumers a new way to save money by returning to individual motorists the insurance cost savings that result when they drive less. Motorists who continue their current mileage would be no worse off on average then they are now (excepting any additional transaction costs), while those who reduce their mileage save money. Distance-based pricing can help achieve several public policy goals including actuarial accuracy, equity, affordability, road safety, consumer savings and choice.

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  • Health insurers play a unique role as both sellers of insurance and buyers of health care services. These companies use their power as buyers against the smaller medical providers while cooperating with larger providers to increase profits for both.22,23 With only a handful of large insurers, physician practices often have no choice but to accept the prices offered without bargaining effectively. Larger providers, such as academic medical centers, can use their size and stature to negotiate rates.

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  • In spring of 2001, John Pepper, then chairman of Procter and Gamble, discovered that members of P&G’s competitive analysis department engaged in corporate spying practices at its rival corporation, Unilever. 1 The spying operation gathered about eighty documents detailing Unilever’s plans for its U. S. hair care business over the next three years, including information on its launch-plans, prices, and margins. 2, 3 This information came as a complete surprise to Pepper, who had not commissioned nor condoned this operation.

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  • Work on the Vehicle Repair Rule (previously entitled Vehicle Standards Compliance (Repair)) was initiated in early 1993 with a call for industry suggestions on what the rule should contain and achieve. A working party, comprising representatives from the insurance industry and from the vehicle repair, manufacturing, importing and in-service inspection industries, was established to discuss the proposed rule in June 1993. It was initially convened by the Land Transport Safety Authority (LTSA) but was subsequently run by its own convenor with the LTSA as a participant.

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  • Breathing clean air is important to maintain our health. Thousands of us live in areas where the air is sometimes considered unhealthy to breathe because it is polluted. One common air pollutant is ground-level ozone. The effects of ground-level ozone pollution are different than the effects of the ozone layer high up in the atmosphere, which helps protect us from receiving too much of the sun’s ultraviolet radiation. At ground level, ozone can cause breathing difficulties, aggravate lung diseases, such as asthma, and may cause permanent lung damage.

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  • The political principle that underlies the market mechanism is unanimity. In an ideal free market resting on private property, no individual can coerce any other, all cooperation is voluntary, all parties to such cooperation benefit or they need not participate. There are not values, no "social" responsibilities in any sense other than the shared values and responsibilities of individuals. Society is a collection of individuals and of the various groups they voluntarily form. The political principle that underlies the political mechanism is conformity.

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  • Given the random nature of future events on financial markets, the field of stochastics (prob- ability theory, statistics and the theory of stochastic processes) obviously plays an important role in quantitative risk management. In addition, techniques from convex analysis and opti- mization and numerical methods are frequently being used. In fact, part of the challenge in quantitative risk management stems from the fact that techniques from several existing quanti- tative disciplines are drawn together.

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  • The distance between the vehicle and an obstacle is measured by way of ultrasonic signals and audibly signalled by a warning tone. This tone sequence changes continuously corresponding to the distance between vehicle and obstacle, indicating to the driver the distance to the obstacle. The shorter the distance of the vehicle from the obstacle the faster the tone sequence. A continuous tone sounds at a distance of less than 25 cm. To distinguish the sounds, the pitch is different at the front and rear.

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  • The July 17, 2012, notice solicited public comment on OGC-EDMS for a period of 30 days. The notice advised that EDMS would carry a final effective date of August 16, 2012, unless HUD received comments which would result in a contrary determination. HUD received public comment in response to the July 17, 2012, notice.

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  • While many databases are focused on similar subjects, each database is unique. Differences may result from types of publications covered, data included, indexing standards, the presence of a thesaurus, or special formatting options. Details of each database are documented in its Bluesheet. A Dialog Bluesheet contains a description of the database content, provider contact information, terms of use, specific data available for searching, tagging, output formats, and other important features specific to the database. Bluesheets are available in PDF format online at library.dialog.

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  • Anhui is an inland province located in the central part of Southeastern China. Fuyang City is located in the Northwest region of Anhui Province and has a total population of 9.76 million. The city covers a total area of 9,700 km2 with one of the highest population densities in Mainland China (1,000 per square km). In Fuyang City, from March 1 to May 9, there have been 6,049 reported cases of HFMD of which 353 were severe and 22 were fatal (case fatality rate 0.4%). Retrospective case-finding identified 302 cases that occurred between March 1 and April...

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  • In this randomized, placebo-controlled, multinational clinical trial, we assigned 481 patients (nearly all of whom were negative for the human immunodeficiency virus) with pulmonary multidrug-resistant tuberculosis to receive delamanid, at a dose of 100 mg twice daily (161 patients) or 200 mg twice daily (160 patients), or placebo (160 patients) for 2 months in combination with a background drug regimen developed according to World Health Organization guidelines.

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  • The Federal Reserve plays an important role when the Treasury needs to raise money to f inance the government or to ref inance maturing Treasury securities. The Reserve Banks handle weekly, monthly, and quarterly auctions of Treasury securities, accepting bids, communicating them to the Treasury, issuing the securities in book-entry form to the winning bidders, and collecting payment for the securities. Over the past several years, the auction process has become increasingly automated, which further ensures a smooth borrowing process.

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  • The net cost is a measure of cash flow requirements, not the bottom-line cost of college. The net cost will correspond to the expected family contribution (EFC) and will be similar at most colleges. If there are significant differences in net cost, it may be a sign of unusual circumstances that were taken into account at one college but not the others. Thus, families should compare college financial aid award letters based on the out-of-pocket cost and not the net cost.

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  • At the end of each section, you will find an opportunity to ‘Check your progress’. These questions have been carefully designed to help you to see how well you have understood and learned the topic. The answers are given at the end of the manual. You can choose to look at the answers before trying to complete the question yourself, if you want to. But the only person you will be cheating is yourself. No-one will take in your manual and mark it for you. You yourself must judge how well you are doing. You may also find some practical activities.

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  • The dashpot adds temporary speed droop to the governor. Permanent speed droop alone does not provide adequate stability for units that operate is isolation or off line. Droop through the dashpot is added temporarily to match the response of the governor to that of the unit. The dashpot consists of a large dashpot plunger and a small dashpot plunger connected hydraulically through an oil reservoir. The large dashpot plunger is connected rigidly to the servomotor through the restoring cable and linkage.

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  • At the time of the survey, twenty nine sites were identified as offering online trading in Australia and surveyed over a three day period. The websites were reviewed against a range of disclosure related criteria, including best practice benchmarks and standards. The survey determined that, on the whole, the online trading industry in Australia is an effective and efficient e-commerce industry. It has provided retail investors with a cheap, efficient and convenient process of buying and selling securities in Australia.

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