The basis of all business is buying and selling goods or services or a combination
of the two. The word product is these days used for both goods and services.
A television is a product and a particular type of insurance scheme may be
described by the provider as a product. For the purposes of this Report the word
product will be used in the former sense. Products are designed and produced
and sold to customers as end items in themselves.
Chapter 5 "History of interest rates and risk premiums" presents the following content: Factors influencing rates, level of interest rates, real vs. nominal rates, rates of return: single period, characteristics of probability distributions, mean scenario or subjective returns, variance or dispersion of returns,...
Throughout its history, the Army has been manpower-intensive in most of its systems. The
combination of demographic changes (fewer young men), changed battlefield scenarios, and
advanced technologies in improved robotics, computers, and artificial intelligence (AI) suggests
both a need and an opportunity to multiply the effectiveness of Army personnel.
in one form or another. Sensitivity analysis or scenario planning for a project or economic appraisal
are familiar examples, as are assessing the contingency allowance in a cost estimate or budget,
buying insurance, revising contract provisions or undertaking community consultation during project
The model shows that developing countries will consume and produce a much greater share of the
world’s fish in the future, and trade in fish commodities will also increase. As aquaculture expands, especially
in developing countries, environmental concerns such as effluent pollution, escaped farmed fish,
land conversion, and pressure on stocks from fishmeal demand will only increase with time unless technologies
and policies promote sustainable intensification.
The process of ageing has resulted in the emergence of a new epidemiological scenario in the
developing countries with high prevalence of degenerative diseases that act as a major cause
of death and disability and lack of mobility (Smith and Bares, 1991, Zwi, 1999). There are
evidences of unhealthy ageing from almost all the developing countries of Asia, Africa, and
Latin America. Pelaez and and Palloni (1998) have concluded that there is a long-run health
degeneration in the ageing societies of the Caribbean and Latin America with changing
The aim of this first exercise, of an aggregate nature, was to give an overall capital figure
for the whole of the Spanish banking system. The analysis was top-down, as the
information used enabled a sufficiently precise estimate to be made for the whole of the
banking system, but was not sufficiently granular to provide for individual bank estimates.
Under the base enrollment scenario, the ACA is predicted
to result in an additional 900,000 individuals
enrolling in Medi-Cal by 2014, increasing to 1.2 million
by 2019. is includes an estimated 500,000 individuals
predicted to be enrolled in county Low-Income
Health Programs who will be automatically enrolled
in Medi-Cal in 2014.12 Under the enhanced scenario,
with a more aggressive enrollment and outreach
strategy, additional Medi-Cal enrollment would reach
1.4 million by 2014 and 1.6 million by 2019.
Financial institutions are increasingly measuring and managing
the risk from credit exposures at the portfolio level,
in addition to the transaction level. This change in perspective
has occurred for a number of reasons. First is the
recognition that the traditional binary classification of
credits into “good” credits and “bad” credits is not sufficient—
a precondition for managing credit risk at the portfolio
level is the recognition that all credits can potentially
become “bad” over time given a particular economic scenario.
As in previous annual Outlooks, we established a set of
possible scenarios for the coming year. The majority of this
report is built around the expectations established in the Base
Case, as shown in exhibit 1. The alternative cases, Rebound
and Recession, do not set the outer limits of possible results
but rather acknowledge that there is a real probability that
the market will follow a different path. Each scenario case
represents a set of expectations which work in concert.
Using the CalSIM model, we predict changes in coverage
in California as a result of the ACA. Take up of
available coverage options in the model is based on a
wide range of factors, including the pre-policy starting
point, health status, household income, change in cost
to purchase coverage, and English proficiency. For
Medi-Cal, we assume that 61 percent of uninsured
newly eligible individuals, and 10 percent of those who
were previously eligible but not enrolled, enroll under
our base scenario. is assumption is based on current
Medi-Cal take up in the state.
Taking the network scenario of Figure 1, there will be web interfaces (routers and serv-
ers), BACnet/IP controllers (connected to interesting devices that are network accessible),
and operator workstations that may have vulnerable OS as well as configuration files and
other interesting data and resources.
The following table is adapted from a Drexel report on network security [Eisenstein et al.,
2003a] and lists known IT threats to a BACnet network connected to the public Internet.
IDC believes that multilayered security solutions offer enterprises a cost-effective and
multifaceted alternative to enhance overall infrastructure security posture and improve
customer and management confidence levels. By adopting an overwatch architecture
with additional security layers that detect and remediate threats that have bypassed
perimeter and content security, security managers can reduce the risks of breaches
and infections associated with existing unknown security gaps and vulnerabilities.
This text offers the perfect introduction to social benefit-cost analysis. The book closely integrates the theory and practice of benefit-cost analysis using a spreadsheet framework. The spreadsheet model is constructed in a truly original way which contributes to transparency, provides a check on the accuracy of the analysis, and facilitates sensitivity, risk and alternative scenario assessment. A case study inco
This module introduces students to the business drivers that may move their
organization to a business-to-business (B2B) integration solution. Students will
identify the project vision and scope, team members, and project risks, and then
explore the lab scenario used throughout the course.
An FMI should effectively measure, monitor, and manage its credit exposures to participants
and those arising from its payment, clearing, and settlement processes. An FMI should
maintain sufficient financial resources to cover its credit exposure to each participant fully
with a high degree of confidence.
Mutual funds are one of the several options
that investors explore for investing surplus
funds. In a deposit-dominated market like
India it is important for mutual funds to
be able to offer differentiated risk-rewards
and gain shelf-space. With many seemingly
similar offerings from multiple mutual
funds unable to clearly communicate their
superiority, a less informed investor may find
it difficult to make a choice. This uncertainty
leads to a weakened ‘pull’ for the product.
This module provides students with the knowledge and skills that are necessary
to implement Microsoft® Internet Information Services (IIS) 5.0 in different
scenarios that are based upon the specific role of the Web server.
After completing this module, students will be able to:
Identify potential risks from the Internet.
Implement IIS as an Internet Web server.
Implement IIS as an intranet Web server.
Implement IIS as an extranet Web server.
Effective prediction of transport of chemical pollutants through a subsurface groundwater
system and associated assessments of risk requires a valid “conceptual model” of the
contaminant migration scenario. The classical contaminant conceptual model is one of a near-
surface “leachable source zone” where chemical contaminant is leached, i.e.
dissolved/solubilised, into water infiltrating through the source (Figure 4.2).