995 resultados para Fire insurance.


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Conselho Nacional de Desenvolvimento Científico e Tecnológico (CNPq)

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The Rock Hill Fire Department Records consist correspondence from W.H. Wylie, for whom Lake Wylie is named, to prominent Rock Hillian Mr. W.T. Roddey and to the Rock Hill Fire Department. Also included is a program book for the 33rd Annual Convention of South Carolina State Firemen’s Association held in Rock Hill in 1928. The program book lists officers of the Association, committee appointments, fire chiefs, in SC, Rock Hill city officials with brief biographical sketches and sketches of the history of SC State Firemen’s Association, city of Rock Hill and Winthrop College.

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The purpose of this paper is to provide quantitative fire history information for a geographically unique region, the Loess Hills of northwest Missouri. We sampled 33 bur oak (Quercus macrocarpa Michx.), chinkapin oak (Q. muehlenbergii Engelm.), and black oak (Q. velutina Lam.) trees from the Brickyard Hill Conservation Area in northwest Missouri. The period of tree-ring record ranged in calendar years from 1671 to 2004 and fire-scar dates (n = 97) ranged from 1672 to 1980. Fire intervals for individual trees ranged from 1 to 87 years. The mean fire interval was 6.6 years for the pre-Euro-American settlement period (1672-1820), and 5.2 years for the entire record (1672-1980). A period of more frequent fire (mean fire interval = 1.6 for 1825 to 1850) coincided with Euro-American settlement of the area. The average percentage of trees scarred at the site was 16.8%, or about 1 in 7 trees sampled per fire. No significant relationship between fire years and drought conditions was found; however, events prior to 1820 may have been associated with wet to dry mode transitions.

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This study documents historic fire events at Capulin Volcano National Monument over the last four centuries using dendrochronologically dated fire scars at two sites: the lower volcano lava flows (the Boca) and the adjacent canyon slopes (Morrow Ranch). The mean fire interval (MFI) was 12 years at the Boca site (before 1890) and 5.4 years (1600-1750) and 19.1 years (1751-1890) at the Morrow Ranch site. Data from the Boca and Morrow Ranch sites combined with the extremely pyrogenic landscape position of the volcano slopes indicate that the volcano slopes likely burned more frequently (e.g., MFI <5 yr). Around 1750, the fire regime appeared to transition to longer fire intervals, greater temporal synchrony among fire-scarred trees, and a higher proportion of trees scarred in fire years. Temporal variability in the fire regime at Capulin Volcano may reflect changes in human populations, climate, and land use.

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Life other small business owners, family child care providers need adequate life, health, and disability insurance to protect their families from the loss of their income. However, child care providers also face unique risks. Perhaps the most important of these risks is the financial loss that would result if the provider were found liable or responsible for the injury or death of a child or a child's parent. If a claim were filed against you as a provider, three different types of financial losses are possible: medical expenses, damages awarded to the victim or his/her family after a lawsuit, and court costs related to your defense. This booklet will help you to: (1) evaluate options for insuring a family child care operation, and (2) evaluate available liability insurance policies.

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Fire scar and vegetative analysis were used to construct a fire history for the Engelmann spruce/subalpine fir (Picea engelmannii/Abies lasiocarpa) vegetation type of the Utah State University (USU) T. W Daniel Experimental Forest. Three distinct periods of fire frequency were established-presettlement (1700-1855), settlement (1856-1909), and suppression (1910-1990). Mean fire interval (MFI) decreased during the settlement period and greatly increased during the suppression era. The difference was attributed to the influx of ignition sources during the settlement of nearby Cache Valley, located 40 km to the west. Logging and livestock grazing appear to have led to the reduced MFI, which in turn worked as a factor to create the vegetative mosaic now observed on the study area. The increase in MFI during the suppression era permitted the advancement of shade-tolerant species in the understory of the shade-intolerant lodgepole pine (Pinus contorta var. latifolia) and quaking aspen (Populus tremuloides). Continued suppression of disturbance from wildfire will allow the lodgepole pine cover type, which experienced the lowest MFI during the settlement period, to be further invaded by shade-tolerant species, decreasing spatial stand diversity and increasing the risk of more intense fires.

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We have been working with exterminators on the insurance problems for thirty-five or so years. Recently PCO’s have been doing much in the way of bird control. There does not seem to be anyone that we know of who does strictly bird control insurance, so our group always ties it in with our pest control. I feel that nothing touches everyone so regularly, with the exception of the federal government, as your insurance premiums. I would like to discuss with you the causes and results of accidents and how they can effect insurance premiums.

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Two years ago, Mike Fall and I showed you some ideas we had regarding mod¬ern architecture and bird problems. This year we've switched to considering bird hazards in older frame dwellings and on buildings where a fire hazard may be ap¬parent. During a class project some time ago, I was examining a nest of house sparrows and discovered that these birds incorporated cellulose cigarette filters into their nests. Filters were stripped of their paper wrapping and were apparently used by the sparrows as a substitute for or a supplement to fluffy air-born seeds and seed mat¬erials. The incidence of the cigarette filters varied. In the nests that I sampled the numbers varied anywhere from six up to two dozen filter remnants. We feel that the incidence will probably vary with the relative availability of discarded cigarette filter butts. We are concerned with the incidence of filters as an index to the possibility that the birds are picking up live cigarette butts, and this leads us to investigate some records of fires over the past three quarters of a century that were claimed to have been caused by birds.

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In the present study, mitochondrial (mt)DNA sequence data were used to examine the genetic structure of fire-eye antbirds (genus Pyriglena) along the Atlantic Forest and the predictions derived from the river hypothesis and from a Last Glacial Maximum Pleistocene refuge paleomodel were compared to explain the patterns of genetic variation observed in these populations. A total of 266 individuals from 45 populations were sampled over a latitudinal transect and a number of phylogeographical and population genetics analytical approaches were employed to address these questions. The pattern of mtDNA variation observed in fire-eye antbirds provides little support for the view that populations were isolated by the modern course of major Atlantic Forest rivers. Instead, the data provide stronger support for the predictions of the refuge model. These results add to the mounting evidence that climatic oscillations appear to have played a substantial role in shaping the phylogeographical structure and possibly the diversification of many taxa in this region. However, the results also illustrate the potential for more complex climatic history and historical changes in the geographical distribution of Atlantic Forest than envisioned by the refuge model. (c) 2012 The Linnean Society of London, Biological Journal of the Linnean Society, 2012, 105, 900824.

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The transient and equilibrium properties of dynamics unfolding in complex systems can depend critically on specific topological features of the underlying interconnections. In this work, we investigate such a relationship with respect to the integrate-and-fire dynamics emanating from a source node and an extended network model that allows control of the small-world feature as well as the length of the long-range connections. A systematic approach to investigate the local and global correlations between structural and dynamical features of the networks was adopted that involved extensive simulations (one and a half million cases) so as to obtain two-dimensional correlation maps. Smooth, but diverse surfaces of correlation values were obtained in all cases. Regarding the global cases, it has been verified that the onset avalanche time (but not its intensity) can be accurately predicted from the structural features within specific regions of the map (i.e. networks with specific structural properties). The analysis at local level revealed that the dynamical features before the avalanches can also be accurately predicted from structural features. This is not possible for the dynamical features after the avalanches take place. This is so because the overall topology of the network predominates over the local topology around the source at the stationary state.

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In this paper, we carry out robust modeling and influence diagnostics in Birnbaum-Saunders (BS) regression models. Specifically, we present some aspects related to BS and log-BS distributions and their generalizations from the Student-t distribution, and develop BS-t regression models, including maximum likelihood estimation based on the EM algorithm and diagnostic tools. In addition, we apply the obtained results to real data from insurance, which shows the uses of the proposed model. Copyright (c) 2011 John Wiley & Sons, Ltd.

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In this work we discuss the secondary market for life insurance policies in the United States of America. First, we give an overview of the life settlement market: how it came into existence, its growth prospects and the ethical issues it arises. Secondly, we discuss the characteristics of the different life insurance products present in the market and describe how life settlements are originated. Life settlement transactions tend to be long and complex transactions that require the involvement of a number of parties. Also, a direct investment into life insurance policies is fraught with a number of practical issues and entails risks that are not directly related to longevity. This may reduce the efficiency of a direct investment in physical policies. For these reasons, a synthetic longevity market has evolved. The number of parties involved in a synthetic longevity transaction is typically smaller and the broker-dealer transferring the longevity exposure will be retaining most or all of the risks a physical investment entails. Finally, we describe the main methods used in the market to evaluate life settlement investments and the role of life expectancy providers.

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This thesis selects concrete, steel and their relation as research subjects, mainly commentary and discusses the property changes of steel and concrete materials under and after high temperature.The differences and comparisons of reasearch methods and ways between different researchers and different papers,particularly for chinese researches and chinese papers,and partly for comparison between chinese papers methods and Euro-Amercian papers methods about Fire Resistance Behavior of Reinforced Concrete will be summarized and analyzed.The researches on fire-resistance behavior of reinforced concrete become more and more important all over the world. And I would find differences between Chinese researches results, between Chinese researches results and other countries researches results.

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Fire blight, caused by the gram negative bacterium Erwinia amylovora, is one of the most destructive bacterial diseases of Pomaceous plants. Therefore, the development of reliable methods to control this disease is desperately needed. This research investigated the possibility to interfere, by altering plant metabolism, on the interactions occurring between Erwinia amylovora, the host plant and the epiphytic microbial community in order to obtain a more effective control of fire blight. Prohexadione-calcium and trinexapac-ethyl, two dioxygenase inhibitors, were chosen as a chemical tool to influence plant metabolism. These compounds inhibit the 2-oxoglutarate-dependent dioxygenases and, therefore, they greatly influence plant metabolism. Moreover, dioxygenase inhibitors were found to enhance plant resistance to a wide range of pathogens. In particular, dioxygenase inhibitors application seems a promising method to control fire blight. From cited literature, it is assumed that these compounds increase plant defence mainly by a transient alteration of flavonoids metabolism. We tried to demonstrate, that the reduction of susceptibility to disease could be partially due to an indirect influence on the microbial community established on plant surface. The possibility to influence the interactions occurring in the epiphytic microbial community is particularly interesting, in fact, the relationships among different bacterial populations on plant surface is a key factor for a more effective biological control of plant diseases. Furthermore, we evaluated the possibility to combine the application of dioxygenase inhibitors with biological control in order to develop an integrate strategy for control of fire blight. The first step for this study was the isolation of a pathogenic strain of E. amylovora. In addition, we isolated different epiphytic bacteria, which respond to general requirements for biological control agents. Successively, the effect of dioxygenase inhibitors treatment on microbial community was investigated on different plant organs (stigmas, nectaries and leaves). An increase in epiphytic microbial population was found. Further experiments were performed with aim to explain this effect. In particular, changes in sugar content of nectar were observed. These changes, decreasing the osmotic potential of nectar, might allow a more consistent growth of epiphytic bacteria on blossoms. On leaves were found similar differences as well. As far as the interactions between E. amylovora and host plant, they were deeply investigated by advanced microscopical analysis. The influence of dioxygenase inhibitors and SAR inducers application on the infection process and migration of pathogen inside different plant tissues was studied. These microscopical techniques, combined with the use of gpf-labelled E. amylovora, allowed the development of a bioassay method for resistance inducers efficacy screening. The final part of the work demonstrated that the reduction of disease susceptibility observed in plants treated with prohexadione-calcium is mainly due to the accumulation of a novel phytoalexins: luteoforol. This 3-deoxyflavonoid was proven to have a strong antimicrobial activity.

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Can the potential availability of unemployment insurance (UI) affect the behavior of employed workers and the duration of their employment spells? After discussing few straightforward reasons why UI may affect employment duration, I apply a regression kink design (RKD) to address this question using linked employer-employee data from the Brazilian labor market. Exploiting the UI schedule, I find that potential benefit level significantly affects the duration of employment spells. This effect is local to low skilled workers and, surprisingly, indicates that a 1\% increase in unemployment benefits increases job duration by around 0.3\%. Such result is driven by the fact that higher UI decreases the probability of job quits, which are not covered by UI in Brazil. These estimates are robust to permutation tests and a number of falsification tests. I develop a reduced-form welfare formula to assess the economic relevance of this result. Based on that, I show that the positive effect on employment duration implies in a higher optimal benefit level. Moreover, the formula shows that the elasticity of employment duration impacts welfare just with the same weight as the well-known elasticity of unemployment duration to benefit level.