A priori ratemaking using bivariate poisson regression models

In automobile insurance, it is useful to achieve a priori ratemaking by resorting to gene- ralized linear models, and here the Poisson regression model constitutes the most widely accepted basis. However, insurance companies distinguish between claims with or without bodily injuries, or claims with full or partial liability of the insured driver. This paper exa- mines an a priori ratemaking procedure when including two di®erent types of claim. When assuming independence between claim types, the premium can be obtained by summing the premiums for each type of guarantee and is dependent on the rating factors chosen. If the independence assumption is relaxed, then it is unclear as to how the tari® system might be a®ected. In order to answer this question, bivariate Poisson regression models, suitable for paired count data exhibiting correlation, are introduced. It is shown that the usual independence assumption is unrealistic here. These models are applied to an automobile insurance claims database containing 80,994 contracts belonging to a Spanish insurance company. Finally, the consequences for pure and loaded premiums when the independence assumption is relaxed by using a bivariate Poisson regression model are analysed.

A new automated method versus continuous positive airway pressure method for measuring pressure-volume curves in patients with acute lung injury

Objective: To compare pressure–volume (P–V) curves obtained with the Galileo ventilator with those obtained with the CPAP method in patients with ALI or ARDS receiving mechanical ventilation. P–V curves were fitted to a sigmoidal equation with a mean R2 of 0.994 ± 0.003. Lower (LIP) and upper inflection (UIP), and deflation maximum curvature (PMC) points calculated from the fitted variables showed a good correlation between methods with high intraclass correlation coefficients. Bias and limits of agreement for LIP, UIP and PMC obtained with the two methods in the same patient were clinically acceptable.

VoWiFi & IM : Comunicaciones móviles en la red global

El principal objectiu d'aquest projecte és l'estudi de la tecnologia ViWiFi tant des del punt de vista de la seva base tècnica com de les seves possibles aplicacions actuals i futures, especialment referent a la integració de serveis addicionals com la missatgeria instantània. Una vegada analitzats els conceptes teòrics es realitza un estudi de les principals eines de codi obert que permeten implementar aquest tipus de plataformes, per a finalment concloure amb la instal·lació pràctica d'una plataforma de laboratori.

A process approach to the utility for gambling

This paper argues that any specific utility or disutility for gamblingmust be excluded from expected utility because such a theory is consequentialwhile a pleasure or displeasure for gambling is a matter of process, notof consequences. A (dis)utility for gambling is modeled as a process utilitywhich monotonically combines with expected utility restricted to consequences.This allows for a process (dis)utility for gambling to be revealed. Asan illustration, the model shows how empirical observations in the Allaisparadox can reveal a process disutility of gambling. A more general modelof rational behavior combining processes and consequences is then proposedand discussed.

Tipología selvícola para los abetales españoles de Abies alba Mill.

Se ofrece una tipología de naturaleza silvogenética para los abetales del Pirineo español, elaborada a partir de la información suministrada por el Segundo Inventario Forestal Nacional. Se han derivado nueve tipos, cuya diferenciación se articula en base al área basimétrica, la densidad, la distribución diamétrica de los pies presentes y el carácter puro o mixto de la masa. Se ha analizado comparativamente la estructura que conforman sus distribuciones diamétricas y el rol que las especies acompañantes del abeto desempeñan en aquélla, destacando cómo el carácter de irregularidad preside, aunque en grados diversos, la totalidad de las formas tipificadas. La tipología resulta de sencilla aplicación por parte del gestor forestal puesto que se maneja con tan sólo los diámetros inventariados de los pies existentes, y contempla los distintos estadios secuenciales y evolutivos de los abetales españoles que abarcan, desde la fase de instalación del abeto bajo la cubierta de otras especies, hasta las estructuras más capitalizadas y envejecidas.