Quasi-experimental evidence on the drivers of index-based livestock insurance demand in Southern Ethiopia

Microinsurance is widely considered an important tool for sustainable poverty reduction, especially in the face of increasing climate risk. Although index-based microinsurance, which should be free from the classical incentive problems, has attracted considerable attention, uptake rates have generally been weak in low-income rural communities. We explore the purchase patterns of index-based livestock insurance in southern Ethiopia, focusing in particular on the role of accurate product comprehension and price, including the prospective impact of temporary discount coupons on subsequent period demand due to price anchoring effects. We find that randomly distributed learning kits contribute to improving subjects' knowledge of the products; however, we do not find strong evidence that the improved knowledge per se induces greater uptake. We also find that reduced price due to randomly distributed discount coupons has an immediate, positive impact on uptake, without dampening subsequent period demand due to reference-dependence associated with price anchoring effects.

Security devices based on liquid crystals doped with a colour dye

Liquid crystal properties make them useful for the development of security devices in applications of authentication and detection of fakes. Induced orientation of liquid crystal molecules and birefringence are the two main properties used in security devices. Employing liquid crystal and dichroic colorants, we have developed devices that show, with the aid of a polarizer, multiple images on each side of the device. Rubbed polyimide is used as alignment layer on each substrate of the LC cell. By rubbing the polyimide in different directions in each substrate it is possible to create any kind of symbols, drawings or motifs with a greyscale; the more complex the created device is, the more difficult is to fake it. To identify the motifs it is necessary to use polarized light. Depending on whether the polarizer is located in front of the LC cell or behind it, different motifs from one or the other substrate are shown. The effect arises from the dopant colour dye added to the liquid crystal, the induced orientation and the twist structure. In practice, a grazing reflection on a dielectric surface is polarized enough to see the effect. Any LC flat panel display can obviously be used as backlight as well.

Particle and energy transport in quantum disordered and quasi-periodic chains connected to mesoscopic Fermi reservoirs

We study a model of nonequilibrium quantum transport of particles and energy in a many-body system connected to mesoscopic Fermi reservoirs (the so-called meso-reservoirs). We discuss the conservation laws of particles and energy within our setup as well as the transport properties of quasi-periodic and disordered chains.

Manual de confessores y penitentes, que contiene quasi todas las dudas que en las confessiones suelen ocurrir, de los pecados ... : con cinco comentarios de vsuras, cambios, symonia mental, defension del proximo, de hurto notable, [et] irregularidad /compuesto por el Doctor Martin de Azpilcueta nauarro ... ; con su reportorio copiosissimo

Colofón en 3D8r y en L5v de la segunda secuencia

Manual de confessores y penitentes, que contiene quasi todas las dudas que en las confessiones suelen ocurrir, de los pecados ... : con cinco comentarios de vsuras, cambios, symonia mental, defension del proximo, de hurto notable, [et] irregularidad /compuesto por el Doctor Martin de Azpilcueta nauarro ... ; con su reportorio copiosissimo

Colofón en 3D8r y en L5v de la segunda secuencia

Manual de confessores y penitentes, que co[n]tiene quasi todas las dudas que en las confessiones suelen ocurrir de los pecados ... : con cinco comentarios de vsuras, cambios, symonia mental, defension del proximo, de hurto notable, [et] irregularidad / compuesto por el Doctor Martin de Azpilcueta nauarro ... ; con su repertorio copiosissimo.

Segunda fecha tomada de los colofones en 3D8r y L5v de la segunda secuencia, y de las port. de las partes segunda y tercera