it takes a team problem solving with a twist

... optimum taxation in pooling equilibria, with particular emphasis on annuity markets There is asymmetric information between firms and consumers about “relevant” characteristics that affect the ... Salanie, 2003) The parameter α is a personal attribute that is singled out because it has cost effects Specifically, it is assumed that the unit costs of good i consumed by individuals with a ... examples are car rentals and car insurance, We have a good idea how exogenous income heterogeneity can be incorporated in the analysis (e.g., Salanie, 2003) August 18, 2007 Time: 11:22am chapter14.tex...

Ngày tải lên: 21/06/2014, 08:20

... annuities As figures 9.1 (a) and (b) clearly display, at all ages annuitants, whether males or females, have higher survival rates than the population average rates (table 9A. 1 in the appendix provides ... survival rates for males and females born in 1935, distinguishing between the overall population average rates and the rates applicable to annuitants, that is, those who purchase private annuities ... underlying data) Adverse selection seems somewhat smaller among females, perhaps because of the smaller variance in female survival rates across different occupations and educational groups Adverse...

Ngày tải lên: 21/06/2014, 08:20

... market and distributes the market returns annually among the surviving members of each age cohort 5.4 Partial Annuitization: No Short-Term Annuity Market Many practical questions about annuitization ... that is “too low” can be increased by a larger a( M) August 20, 2007 Time: 05:40pm chapter05.tex CHAPTER Comparative Statics, Discounting, Partial Annuitization, and No Annuities 5.1 Increase ... increasing survival probabilities We shall show that such actions by an individual in a competitive annuity market lead to inefficient resource allocation Specifically, this behavior, which is called...

Ngày tải lên: 21/06/2014, 08:20

... survival Most loans to individuals are, at least partially, backed by nonannuitized assets (collateral), but some can be regarded as negative annuities For example, credit card debts have a high ... private annuities Another potential explanation is annuity market imperfections It was once argued that insurance firms offer annuities at higher than actuarially fair prices This was largely refuted ... retirement against longevity risks In the United States today, a 65-year-old man and woman can expect to live to age 81 and 85, respectively, and there is a substantial variation in survival probabilities...

Ngày tải lên: 21/06/2014, 08:20

... uncertainty and, 79–80; medical care and, 54; no-arbitrage condition and, 53; private information and, 52–53 Murtaugh, M., 131–32 Myles, G., xiv Madeson, Avital, xv Manski, Charles F., 6, 45 markets, ... no annuities and, 103–4; no-arbitrage condition and, 70–71; optimum commodity taxation and, 122–30; period-certain annuities and, 88–89; Ramsey-Boiteux conditions and, 118, 124–25, 127; rate ... effects and, 3–4; insurance, 82 (see also insurance); low returns and, 35; medical prices and, 54; no late transactions and, 138–40; partial annuitization and, 33–34; replacement rates and, 2–3;...

Ngày tải lên: 21/06/2014, 08:20

... by Medalia and colleagues, who compared problem- solving training with memory training and treatment as usual in a sample of hospitalized patients with chronic schizophrenia [28] Participants in ... Communication Ability” (ability to communicate with therapists and coworkers) and “Adaptation” (ability to work reliably and to adhere to rules) Each subscale includes ten items, which are rated on a ... and functional capacity, we performed mixed analysis of variance (ANOVA) with treatment group as between subject factor and time (baseline vs 4-week assessment) as within subject factor In cases...

Ngày tải lên: 11/08/2014, 15:22

... Prague school, with Firth in the London school, with Lamb and to a certain extent with Pike - language as a basically tristratai system: semantics, grammar, phonology [Halliday, 1978, P.39J Each ... contain a considerable amount of knowledge [in the AI sense) relating grammatical features to extra-lingulstic factors ADVANTAGES The backward chaining approach outlined here has several advantages ... [Mann/Halliday) [Kress, 1976J [Halliday & Hasan, 1976) [Winograd, 1983J, a n d contains about six hundred grammatical features Fragments of grammar usually appear in the linguistic literature as...

Ngày tải lên: 18/03/2014, 02:20

... many operators and built-in functions that can be used in interactive expressions 1.1 GETTING INTO MATLAB MATLAB is a mathematical and graphical software package with numerical, graphical, and ... information on the variables, similar to what is in the Workspace Window) clear clears out all variables so they no longer exist clear variablename clears out a particular variable clear variablename1 ... values are not known ahead of time Most languages also have the capacity to store constants, which are values that are known ahead of time and cannot possibly change An example of a constant value...

Ngày tải lên: 23/03/2014, 15:53

... Sort-Set-by-Scalar cardinality, sort.set-by-scalar, and ask-attributevalue The limit-cardinality modifier models a and Limit-Cardinality restriction by the agent on the number of values to be returned by an ... ) Plan Refining Metaplans The build-plan metaplan is used to capture the agent's goal of constructing a plan to achieve a particular goal, with the build-subplan and build-subaction metaplans ... (instantiate-var ?new-ship Roark) (2) (buiM-plan (ReplaceShip Knox Roark)) (3) Figure 3: Instantiate-Var The agent may also constrain the possible values for a free variable without instantiating...

Ngày tải lên: 24/03/2014, 05:21

... edited by Gary E McGuire ULTRA-FINE PARTICLES: edited by Chikara Hayashi, R Ueda and A Tasaki WIDE BANDGAP SEMICONDUCTORS: edited by Stephen J Pearton Ceramic and Other Materials—Processing and Technology ... Humanities and social science subjects are included in the curriculum because an engineer usually must deal with people and problems associated with people An important item, usually not treated ... materials or procedures mentioned in this publication should satisfy himself as to such suitability, and that he can meet all applicable safety and health standards Dedicated to my wife, Mary Jane...

Ngày tải lên: 29/03/2014, 13:20

... determining what data to use to measure and quantify the decision criteria The criteria can be either subjective or quantitative in nature You can measure criteria using “hard,” quantitative data or a subjective ... evaluation Activities in one functional area may or may not have an impact on other functional areas Certain functional areas impact all areas of the company such as human resources, which may ... population of a city, and so on This data is usually available in some form in company databases and information systems Typically, statistics such as averages and trends are generated based on a record...

Ngày tải lên: 30/03/2014, 18:20

... of mathematics To present the material in a smooth way, we have enriched the text with some theoretical material from the textbook Algebra and Fundamentals of Analysis edited by Academician A N ... Socialist Republics ISBN 5-03-000222-7 © 1I3p;aTeJIhcTBo «HayKa., I'aaanaa penasnaa pHaHKO-MaTeMaTHQeCKOii nareparypu, 1986 © English translation, Mir Publishers, 1988 FroD1 the J\uthors By tradition, ... tan H 1.13 Evaluate: l011n (a) tan - - ' 101l1:n: (b) cot -6-'- 1.14 Prove that for an arbitrary real number a E It and an integer N > the following equalities are valid: N-1 ~ sin k=O N-1 (a...

Ngày tải lên: 08/04/2014, 10:42

... in males because of anatomical differences: a female cat has a short and wide urethra, while a male has a long and narrow urethra Although FLUTD can be caused by a bladder irritation, bladder ... general appearance, behavior, play habits, appetite, temperature and other factors that accompany illness will be clearly apparent • Your cat should be in good general condition, with a sinewy and ... normally starts with the cat sniffing an area and then scratching at the surface with a front paw, as if she were digging a hole The cat moves around in a circle, squats and urinates or defecates...

Ngày tải lên: 01/06/2014, 10:32

... common to most Macintosh applications Along with scalar variables, Matlab makes extensive use of vectors and matrices, and familiarity with the standard vector and matrix operations is very helpful ... of M a t l a b have made available a somewhat limited version of the program, S t u d e n t M ATLAB, available for individual purchase at a reasonable cost The b i g g e s t limitation is that ... remain stored in memory, with its assigned value until: it i s reassigned a new value, it is manually cleared, or you quit Matlab A l t h o u g h you can name variables almost anything, here are...

Ngày tải lên: 29/06/2014, 02:20

... discretization software in a parallel computation [33] It involves a decomposition of the model based on a balanced partitioning of the PDE domain with appropriate artificial interface conditions that ... Algorithm Editors Performance Analysis Tools Data Analysis Tools Very High Level PDE Language Layer Language Infrastructure PELLPACK Infrastructure Procedural Language Layer Domain Discretization ... doubt a performance cost with having a layer of software that allows this flexibility, but it should be clear that the advantages of having standard interfaces to widely differing software packages...

Ngày tải lên: 29/06/2014, 04:20

... +Ax(VxB)+Bx(VxA) V (fA)= fV A+ (A - V)f V * (A x B)= B (V x A) -A -(V x B) v x (A x B) = A( V B) - B(V - A) +(B V )A- (A - V)B Vx(fA)= VfxA+fVxA (V x A) x A = (A V )A - 'V (A A) Vx (Vx A) = V(V - A) - V A INTEGRAL ... law, 200 Laplace's equation, 93, 258 Cartesian (rectangular) coordinates, 260 cylindrical coordinates, 271 and magnetic scalar potential, 365 spherical coordinates, 284 Laplacian of reciprocal ... 442-444 and Maxwell's equations, 530-532 and radiating waves, 667-671 and series lossy capacitor, 188-189 and TEM waves, 505-507 Slot in waveguide, 635 Smith chart, 611-615 admittance calculations,...

Ngày tải lên: 03/07/2014, 02:20

... CartesianCoordinates(x, y, z) af af Vf = - , + O i, + af i, ax Oz ay aA, aA, + aA, V A= a+ ax az ay (LAX, A AaA\ ay z V2f a' +f Ox jy + az a, O aA ax Ox ay a' f az CylindricalCoordinates ... •af4 + af r04 az Vf = arr 1a iA, aA, rr rr a Oz V *A= - -(rAr)+M +M I a BA, rr) r V~ f la0 af\ r- rr aA 82f + I(rAs) ar 'L ,+ a2 f ae+I r •O af If-14 r sin aO A (r a( sin OAo) oA* V" -A = (rPA,)+ ... + r ar r sin ae r sin a4 x r sin a( sin OAs) aA] a8 0 a 04, S r sio V'f = r-r a- " r+ MA, arsin a( rA,)) [ra(rAo) dA,1 r Or O- a+ sin O+ I A a4J 4) af a ar DA A -2 Ora r) 14 az SphericalCoordinates...

Ngày tải lên: 03/07/2014, 02:20

... 9.2.7 Radiationfrom a Point Magnetic Dipole 9.3 POINT DIPOLE ARRAYS 9.3.1 A Simple Two Element Array (a) BroadsideArray (b) End-fireArray (c) ArbitraryCurrentPhase 9.3.2 An N DipoleArray 9.4 ... Voltage 8.2.3 Approach to the dc Steady State 8.2.4 Inductors and Capacitorsas Quasi-static Approximations to Transmission Lines 8.2.5 Reflections from Arbitrary Terminations 8.3 SINUSOIDAL TIME ... can be devoted to the applications of the mathematics rather than to its development Additional mathematical material will be presented as needed throughout the text 1-1 COORDINATE SYSTEMS A...

Ngày tải lên: 03/07/2014, 02:20

... by a directed line segment in the direction of the vector with its length proportional to its magnitude The vector A = A~ i +A, i, +Ai, in Figure 1-4 has magnitude A= IA = [A +A +AI Note that each ... by the _AY A = A I IAI =A = (A Figure 1-4 directions + Ayly+ AI1, +A +A. ]' A vector is described by its components along the three coordinate Vector Algebra scalar If the scalar is negative, the ... use rectangular coordinates for general discussion 1-2-2 Multiplication of a Vector by a Scalar If a vector is multiplied by a positive scalar, its direction remains unchanged but its magnitude...

Ngày tải lên: 03/07/2014, 02:20

... becomes infinitesimally small, each of the bracketed terms defines a partial derivative aA 3A ýAMz lim ( = + + AV (4) ax-o \ax ay az where AV = Ax Ay Az is the volume enclosed by the surface S The ... the surface and the surface area The flux then reduces to the form ( [Ax(x)-Ax(x -Ax)] + [A, (y +Ay) -A, (y)] Ax Ay + Ax Ay Az (3) We have written (3) in this form so that in the limit as the volume ... of AV in (4) is a scalar and is called the divergence of A It can be recognized as the dot product between the vector del operator of Section 1-3-1 and the vector A: aAx aA, + aA, div A = V - A...

Ngày tải lên: 03/07/2014, 02:20