992 resultados para Insured Losses


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The conclusion of the article reads "good handling during processing and re-implanting could mean the difference between a going operation and financial disaster. But it's up to you to make certain your crew understands and follows proper chute practices. When they do, it will mean more money in your pocket."

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Le domaine de l’assurance automobile fonctionne par cycles présentant des phases de profitabilité et d’autres de non-profitabilité. Dans les phases de non-profitabilité, les compagnies d’assurance ont généralement le réflexe d’augmenter le coût des primes afin de tenter de réduire les pertes. Par contre, de très grandes augmentations peuvent avoir pour effet de massivement faire fuir la clientèle vers les compétiteurs. Un trop haut taux d’attrition pourrait avoir un effet négatif sur la profitabilité à long terme de la compagnie. Une bonne gestion des augmentations de taux se révèle donc primordiale pour une compagnie d’assurance. Ce mémoire a pour but de construire un outil de simulation de l’allure du porte- feuille d’assurance détenu par un assureur en fonction du changement de taux proposé à chacun des assurés. Une procédure utilisant des régressions à l’aide de processus gaus- siens univariés est développée. Cette procédure offre une performance supérieure à la régression logistique, le modèle généralement utilisé pour effectuer ce genre de tâche.

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Reinforcement Learning (RL) refers to a class of learning algorithms in which learning system learns which action to take in different situations by using a scalar evaluation received from the environment on performing an action. RL has been successfully applied to many multi stage decision making problem (MDP) where in each stage the learning systems decides which action has to be taken. Economic Dispatch (ED) problem is an important scheduling problem in power systems, which decides the amount of generation to be allocated to each generating unit so that the total cost of generation is minimized without violating system constraints. In this paper we formulate economic dispatch problem as a multi stage decision making problem. In this paper, we also develop RL based algorithm to solve the ED problem. The performance of our algorithm is compared with other recent methods. The main advantage of our method is it can learn the schedule for all possible demands simultaneously.

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In der Dissertation wurden die Effekte verschiedener C/N-Verhältnisse und verschiedener Verhältnisse von strukturellen zu löslichen Kohlenhydraten (NDF/SC) von Dung, der in bewässerten Gemüsekulturen im Norden Omans appliziert wurde, untersucht. Im auf sandigen Böden durchgeführten Experiment wurden zwei Büffeldungvarianten zum einen mit einem C/N-Verhältnis von 19 und einem NDF/SC-Verhältnis von 17 (ORG1) und zum anderen mit einem C/N-Verhältnis von 25 und einem NDF/SC-Verhältnis von 108 (ORG2) verwendet. Das relevante faktorielle Anbausystem war eine zweijährige Rotation, bestehend aus Rettich gefolgt von Blumenkohl und Karotte. Eine signifikante Zunahme der Erträge, des Sproßdurchmessers und der Pflanzenhöhe von Blumenkohl (P<0,001) sowie der Konzentration von Askorbinsäure in den Wurzeln von Rettich (P<0,01) mit erhöhter Verfügbarkeit von N, P und K von ORG2 über ORG1 bis hin zur Mineraldünger-Kontrollbehandlung (MIN) konnte festgestellt werden. Innerhalb von 260 Tagen wurden für die gesamte Anbauperiode mit einem photoakustischen Infrarot-Multigasmonitor und einer damit verbundenen Haube bodenbürtige Gasemissionen gemessen. Die errechneten Nettobilanzen zeigten Überschüsse von N und P, welche von Defiziten für K begleitet waren. Die Kohlenstoff Nettobilanzen waren während des Untersuchungszeitraums negativ oder nicht konsistent. Die Ergebnisse zeigen, dass unter extremen klimatischen Bedingungen bewässerter sandiger Böden organische Kultivierung zuerst durch den Kohlenstoffgehalt von Dung und Boden und erst dann durch die applizierten Mengen an N, P und K limitiert wird. Es konnte festgestellt werden, dass Gasemissionen den größten Teil der N und C Verluste von bewässerten sandigen Böden im Norden Omans darstellen. Die Reduzierung von Treibhausgasen und Sickerverlusten sollte weiterhin im Fokus zukünftiger Untersuchungen stehen, um zur Entwicklung von nachhaltigen organischen Anbausystemen im Oman und anderen ariden tropischen Ländern beizutragen.

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The extent of physical and economic postharvest losses at different stages of cassava value chains has been estimated in four countries that differ considerably in the way cassava is cultivated, processed and consumed and in the relationships and linkages among the value chain actors. Ghana incurs by far the highest losses because a high proportion of roots reach the consumers in the fresh form. Most losses occur at the last stage of the value chain. In Nigeria and Vietnam processors incur most of the losses while in Thailand most losses occur during harvesting. Poorer countries incur higher losses despite their capacity to absorb sub-standard products (therefore transforming part of the physical losses into economic losses) and less strict buyer standards. In monetary terms the impact of losses is particularly severe in Ghana and estimated at about half a billion US dollar per annum while in the other countries it is at the most about USD 50 million. This comparison shows that there are no “one-size-fits-all" solutions for addressing postharvest losses but rather these must be tailor-made to the specific characteristics of the different value chains.

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This paper presents information on the reliability of distortion product otoacoustic emissions in children with profound sensorineural hearing losses.

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A semi-distributed model, INCA, has been developed to determine the fate and distribution of nutrients in terrestrial and aquatic systems. The model simulates nitrogen and phosphorus processes in soils, groundwaters and river systems and can be applied in a semi-distributed manner at a range of scales. In this study, the model has been applied at field to sub-catchment to whole catchment scale to evaluate the behaviour of biosolid-derived losses of P in agricultural systems. It is shown that process-based models such as INCA, applied at a wide range of scales, reproduce field and catchment behaviour satisfactorily. The INCA model can also be used to generate generic information for risk assessment. By adjusting three key variables: biosolid application rates, the hydrological connectivity of the catchment and the initial P-status of the soils within the model, a matrix of P loss rates can be generated to evaluate the behaviour of the model and, hence, of the catchment system. The results, which indicate the sensitivity of the catchment to flow paths, to application rates and to initial soil conditions, have been incorporated into a Nutrient Export Risk Matrix (NERM).

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This paper reports effects of chestnut and mimosa tannins on N utilisation in sheep. Tannins were added to grass either at ensilage or incorporated into grass silage at feeding. The study used an 8 × 5 incomplete Latin Square design with eight mature wether sheep and five 21-day periods. Tannin additions reduced in vivo apparent digestibilities of dry matter (DM), organic matter (OM) and neutral detergent fibre (aNDFom) compared with the untreated control silage (P<0.001). Reductions ranged from 7.6% for DM to 8.5% for aNDFom. Chestnut compared to mimosa tannin silages produced higher values for DM intake (734 g/day versus 625 g/day) and in vivo digestibility for DM, OM and aNDFom (0.66, 0.68 and 0.69 versus 0.61, 0.63 and 0.62; P<0.001). A substantial shift occurred in the pattern of N excretion in sheep fed the tannin versus control silages. As a proportion of daily N intake, urinary N losses were lower (56.4 g/100 g N versus 65.1 g/100 g N intake) and faecal N losses were higher (40.2 g/100 g N versus 29.8 g/100 g N intake) for sheep fed the tannin silages compared with those fed the control grass silage (P<0.001). Nitrogen intake was higher in sheep fed the chestnut compared to mimosa tannin silages (16.2 g/day versus 13.4 g/day; P<0.001), reflecting the lower DM intake of sheep fed the mimosa silages. However, faecal N loss was lower for chestnut compared to mimosa tannin silage fed sheep (38.2 g/100 g N versus 42.1 g/100 g N intake; P<0.01), resulting in higher N retentions with the chestnut compared to the mimosa silage fed sheep (5.49 g/100 g N versus 1.38 g/100 g N intake). Faecal N losses were also higher when tannins were added during ensiling rather than at feeding (P<0.05). Although there was no overall effect of tannins on N retention in mature wether sheep, it is likely that productive ruminants with higher protein requirements would retain more N from silages containing chestnut tannins. Tannins added externally to grass silages may generate some benefits on N utilisation and environmental N excretions in sheep fed the silages.

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Dissolved organic carbon (DOC) concentrations have been rising in streams and lakes draining catchments with organic soils across Northern Europe. These increases have shown a correlation with decreased sulphate and chloride concentrations. One hypothesis to explain this phenomenon is that these relationships are due an increased in DOC release from soils to freshwaters, caused by a decline in pollutant sulphur and sea-salt deposition. We carried out controlled deposition experiments in the laboratory on intact peat and organomineral O-horizon cores to test this hypothesis. Preliminary data showed a clear correlation between the change in soil water pH and change in DOC concentrations, however uncertainty still remains about whether this is due to changes in biological activity or chemical solubility.