We use data from a variety of sources. Our primary ﬁle on ﬁrm characteristics is the Robert Wood
Johnson Foundation 1997 Employer Health Insurance Survey (EHIS). The survey collects a rich set of
information about the ﬁrms: regardless of whether insurance is offered, establishment size, 10 broad
industry groups, and most important from our perspective, the proportion of female workers and the
percent of workers in each of four broad age categories.
A more specialised health care insurance market – private long-term care (LTC) insurance – is
absent or very limited in countries with comprehensive public long-term care benefits, such as in
Scandinavia, the Netherlands, Japan and Luxembourg. In Germany, LTC cover is statutory for every
The level of insurance risk may vary during the period of the insurance contract.
For example, in a pure endowment policy the insurance risk reduces as the value
of the investment increases. Also, in a deferred annuity contract there may be no
insurance risk during the savings phase but there is significant insurance risk
during the annuity phase.
In assessing the significance of insurance risk at the inception of the contract the
effect of discounting on the expected cash flows may be significant.
This helpsheet will help you fill in boxes 4 to 11 in the ‘Life insurance gains’
section on page Ai 1 of the Additional Information pages of the tax return.
It will help you decide which boxes you need to use and what you need to
enter in those boxes. These notes are generally applicable to individuals,
trustees and personal representatives of a deceased person unless the notes
This helpsheet deals with chargeable event gains on UK life insurance
policies, life annuities and capital redemption policies.
Chapter 22: Title, risk of loss, and insurable interest. After reading this chapter, you will be able to answer the following questions: What is the concept of title? How does it pass? What is insurable interest? What are the different kinds of sales contracts, and how does each type affect title passing, risk of loss, and insurable interest?
Yet the shift towards health-systems strengthening
and its support through the International Health
Partnership (IHP+) and other related initiatives
offer a framework within which SRH may be more
The support offered to ministries of health by
the UNFPA and WHO country offices has been
marked by greater collaboration and a stronger
functional focus. This has been achieved through
harmonization of activities in the United Nations
Development Assistance Framework, and by
practical engagement of technical working groups
and similar structures for SRH.
Individuals accounted for the majority of listed subjects in the SARs; however, filers
noted a few as business entities and, in some cases, identified a family’s trust fund or
Approximately 65 percent of the subjects found in the 641 SARs were either: a)
associated with some kind of business (named or un-named) or occupation13
identified by a job title, profession or other reference (Physician, Attorney, Restau-
rant Owner, Retired, etc.); or c) identified by a business name or the nature of the
business if the subject was listed as a company.
Enterprise project office (EPO) is essentially a support for investment governance and has
a strong demand-side role in ensuring the organisation’s investment decision-making will deliver the
greatest benefit from the resources available. This includes involvement in organisation strategy
development and project and programme identification as well as business cases for investment,
resource planning and allocation. It should be able to optimise the allocation of resources to match
business priorities, by having complete information on all projects – current and planned.
Health is largely determined by our social, economic, physical and
cultural environment. Although, as we move further into the 21st
century, we can see improvements for many people, inequalities in
health and health outcomes still persist. The differences in life chances
are dramatic and there is a direct correlation between low socio-
economic status and poor health outcomes4.
Health inequalities affect both women and babies.
Several years ago I gave a seminar about some of my research. I started out with a
very simple example. One of the faculty in the audience interrupted me to say that he had
worked on something like this several years ago, but his model was \much more complex".
I replied \My model was complex when I started, too, but I just kept working on it till it
And that's what you should do: keep at it till it gets simple. The whole point of
a model is to give a simplied representation of reality. Einstein once said \Everything
should be as simple as possible...
Title IV of the Act - entitled “Regulation of Advisers to Hedge Funds and Others”1
- eliminates the
“private adviser” exemption from registration under the Investment Advisers Act of 1940, as amended
(the “Advisers Act”).
There are certain risks purchasers of real property in Mexico must consider, and while Mexican law
provides certain protections, they may be insufficient to protect buyers. Mexico’s registration system
is not as convenient or user-friendly as the U.S. system or, arguably, as reliable. Registration in many
Mexican states is decentralized, with most municipalities having their own registry, and in many
cases registries are incomplete or contain errors.
As compared to other industries like the cement and chemical industry, the input consumption in Pulp and Paper
industry is very high and the output is comparatively very low. The input-output ratio is 8:1.
Fibre, energy, water and chemicals are the important inputs in paper manufacture. Both from the quality aspect and
also from the cost of production point of view, it is very important to have some norms of the basic inputs, so that
the cost of production is maintained at minimum level without...
We follow in the “constructionist” tradition of mathematician and educator Seymour Papert
and his students and colleagues at MIT. In developing the Logo programming language for
children Papert argued that programs children write function as mathematical ‘objects to think
with’ and that their concreteness affords a powerful kind of learning (Papert, 1980). Later work of
Papert’s former students and colleagues (e.g.
Two different diaper-changing methods may be used to minimize the risk of transmitting infection
from one child to another or to a provider. One method involves the use of gloves and the other
does not. The method you select should be used consistently in your childcare setting. Whichever
method you choose, you should never wash or rinse diapers or clothes soiled with fecal material in
the childcare setting.
The main contribution of this paper is that it applies a new measure for competition, called the Boone
indicator (see also Boone, 2001; Bikker and Van Leuvensteijn, 2008; Van Leuvensteijn et al., 2007).
The basic notion underlying this indicator is that in a competitive market, more efficient companies are
likely to gain market shares. Hence, the stronger the impact of efficiency on market shares is, the
stronger is competition.
Civic Economics and HousingWorks are pleased to present this analysis of the economic impact of General Obligation Bonds issued since 2006 to support affordable housing.
In 2006, 63% of Austin voters supported the issuance of $55 million in general obligation bonds to support the development of affordable housing in the city. Just short of $50 million has been expended and leveraged to obtain an additional $177 million in development expenditures, for a total expenditure in the city of $226 million.
This version includes some minor revisions made by the Expert Group in June 2004, based on
comments received following the Riga Meeting, and revisions to the annexes describing the relevant
IFAC Auditing Standards, based on the finalisation of these Standards. The amended version was sent
to EU SAIs and discussed at the Liaison Officers Meeting on 4-5 October.
Motion capture methods offer advantages and disadvantages. Let us consider the case of human
walking. A walking motion may be recorded and then applied to a computer-generated 3D
character. It will provide a very good motion, because it comes directly from reality. However,
motion capture does not bring any really new concept to animation methodology. For any new
motion, it is necessary to record the reality again. Moreover, motion capture is not appropriate
especially in real-time simulation activities, where the situation and actions...