regulation of the insurance industry

... more concentrated range of asset classes and the risk of a further credit crunch as a consequence of over -regulation A further area of uncertainty focuses on the impact of the new regime on smaller ... This raises the question of whether corporates, while attracted by the idea of greater security, fully understand the potential implications of an over-capitalised insurance industry for their future ... Williams of Legal & General makes the point that large insurers with a range of products have the resources to absorb additional overhead costs, and that at the other end of the spectrum the industry...

Ngày tải lên: 06/12/2015, 23:04

... price If patients want the brand, they must pay the difference between the MAC and the cost of the brand (plus any other co-payment) Thus the main customers of generic firms are the large pharmacy ... with the growth in number of drugs and with insurance coverage At the time of the 1962 Amendments, there were far fewer drugs on the market and virtually all consumers paid out of pocket Hence the ... III Effects of Safety and Efficacy Regulations: Evidence and Issues 18 Costs of Regulation Much of the early economic analysis of pharmaceutical regulation focused on effects of the 1962 Kefauver-Harris...

Ngày tải lên: 13/03/2014, 21:55

... 2012)) The main references for the industry are the Insurance Act No 553 (Act of Malaysia) of 1996 and 1996 Insurance Regulations amended in 2005, which includes the structure of the licensing, regulation ... efficiency of the industry itself to cater specific issues including the issues of fraud in the industry Besides, the Central Bank of Malaysia (Bank Negara Malaysia abbreviation of BNM), is the main ... set the tone of the country‘s norms and traditions This will lead to the inclusion of the case study companies‘ introduction and their performance in the insurance industry It will include the...

Ngày tải lên: 01/01/2017, 09:03

... used by at least the elites of almost every recorded human society, with the emergence of the modern commercial beauty industry in the nineteenth century Although the origins of the industry lay ... part of everyday life for many people There were multiple drivers behind the growth of the beauty industry during these decades The world wars introduced millions of soldiers to the importance of ... pharmaceutical company Hoffman La Roche, which had a large vitamin business, entered the personal care industry when the synthesis of the vitamin pathenol led to the development of the hair lotion Pantene.18...

Ngày tải lên: 10/12/2013, 04:15

... to the right of the decimal is less than (4, 3, 2, 1, or 0), then ignore all digits after the second one to the right of the decimal Example: In the number 98.74285, the third digit after the ... digits to the right of the decimal place, for example, 98.74 rather than 98.74285 To round off to two decimal places, you must examine the third digit to the right of the decimal ● If the third ... the use of or inability to use the work, even if any of them has been advised of the possibility of such damages This limitation of liability shall apply to any claim or cause whatsoever whether...

Ngày tải lên: 21/12/2013, 01:19

... activities of HSF1, HSF2 and HSF4 As the functions of the HSF family members differ, so also the molecular mechanisms by which they are regulated Albeit they all recognize and bind HSEs, the Regulation ... altered [88] These results shed light on the regulatory mechanisms steering the developmental expression pattern of HSF2, and they also provide the first example of involvement of miRNAs in the HSF ... development of the lens and maintenance of the olfactory epithelium [102] The first evidence for a developmental function of HSF4 was provided by population genetic studies where mutations of the Hsf4...

Ngày tải lên: 18/02/2014, 04:20

... and the use of the designation "European Venture Capital Fund" should be sanctioned by the prohibition of the use of the designation and the removal of the venture capital fund manager of the ... threshold of EUR 500 million or, in the Member States where the Euro is not the official currency, the corresponding value in the national currency on the date of the entry into force of this Regulation ... decision of revocation shall put an end to the delegation of the power specified in that decision It shall take effect the day following the publication of the decision in the Official Journal of the...

Ngày tải lên: 19/02/2014, 14:20

... remained in the pellet independently of the other components and the ionic strength of the mixture In the presence of ATP, the amount of bound HMM was very similar (average value of 52.5 ± 1.1%) ... solution On the other hand, the acceleration of the sliding velocity (and the lower number of stops) of thin filaments could be related to a diminution of the load in the actin–myosin interface The properties ... movement in the absence of Ca2+, independent of the addition of T800 This result, together with the fact that T800 increased the average and maximum velocity values of moving filaments, both in the absence...

Ngày tải lên: 19/02/2014, 16:20

... or indirectly of the use and application of any of the techniques or contents of this report If legal advice or other expert assistance is required, the services of a competent professional should ... In relationship to the consumer, the credit bureaus not concern themselves with the impact of the information This information often misrepresents the credit worthiness of the consumer By tagging ... our offices, we have noticed a high incidence of file mergers -the worst kind of file error In a file merger, the credit of another person with a similar name is spread onto the file of the innocent...

Ngày tải lên: 20/02/2014, 11:20

... the RNA content and cDNA synthesis in the different preparations Furthermore, the PCR primers for glyceraldehyde3-phosphate dehydrogenase and FAAH were selected on the basis of the sequence of ... view of these considerations, our findings should warrant further studies on the pharmacological effects of THC, endocannabinoids and PalEtn on dendritic cells, and on the possible regulation of the ... marrow stem cells, are the most potent antigen-presenting cells of the immune system They play a central role in the initiation of primary immune response and in the enhancement of secondary immune...

Ngày tải lên: 22/02/2014, 07:20

... control of ligand binding [86] This is a result of the interaction of the distal segment of the JM, particularly the E663–S671 residues, with the C-terminal lobe of the kinase domain of the apposed ... Nck [72] The binding of these proteins could prevent the interaction of the Ca2+ ⁄ CaM complex to the receptor if the CaMBD were occluded at least in part Nevertheless, the docking of these adaptor ... activation of the EGFR, where the C-terminal lobe of the kinase domain of one of the monomers forming the dimeric receptor interacts with the N-terminal lobe of the apposed monomer [19,47,84] Of relevance...

Ngày tải lên: 06/03/2014, 09:22

... because the demand of the chloroplast is ‘sensed’ inside the organelle, the IEM is closest to the origin of the signal, and thus regulation at the Tic complex could be one of the fastest ways to ... which anchor the protein in the membrane The position and function of the long C-terminal tail on the other hand remains a matter of controversy [10,11,13–15] According to one hypothesis, the hydrophilic ... is the recruitment of FNR from the stroma or even thylakoids to the Tic complex in order to become part of the hypothetical electron transfer chain mentioned above However, the involvement of the...

Ngày tải lên: 07/03/2014, 03:20

... Proposal for a REGULATION OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL on the Cohesion Fund and repealing Council Regulation (EC) No 1084/2006 THE EUROPEAN PARLIAMENT AND THE COUNCIL OF THE EUROPEAN ... transmission of the draft legislative act to the national Parliaments, Having regard to the opinion of the European Economic and Social Committee6, Having regard to the opinion of the Committee of the ... increasing the use of conditionalities and simplifying the delivery are among the major hallmarks of the proposal This Regulation sets out the provisions governing the Cohesion Fund, and repealing Regulation...

Ngày tải lên: 07/03/2014, 16:20

... hydrogenase of a photosynthetic eukaryotic cell, represents a novel type of Fe-hydrogenases Parts of the deduced amino-acid sequence of the cDNA correspond to the polypeptide sequence of the tryptic ... addition to the detection of the protein using antibodies raised against the Fe-hydrogenase, the localization of the mature protein in the chloroplast stroma is indicated by a high content of hydroxylated ... [50,51] Anaerobic treatment of maize seedlings alters the profile of total protein synthesis [52,53] It is known that the induction of the anaerobic proteins is the result of an increased mRNA level...

Ngày tải lên: 08/03/2014, 22:20

... authority of the Member State in whose territory the investigation is to be carried out of the investigation and of the identity of the authorised persons Officials of the competent authority of the ... provisions of the Regulation have been breached The fine shall be dissuasive and proportionate to the nature and seriousness of the breach, the duration of the breach and the economic capacity of the ... committed a breach of the Regulation Those measures include the temporary prohibition of the issuing of credit ratings and the suspension of the use of the credit ratings concerned until the infringement...

Ngày tải lên: 15/03/2014, 07:20

... in the sigG mutant The aforementioned result is expected in view of the downregulation of sigH and the upregulation of sigD upon the deletion of sigG in M tuberculosis [90] This finding further ... replication in the lung during the short-term infection of mice [109,110], the negative regulation of their synthesis by rM negates the possibility of its role in virulence during the early course of infection ... FEBS 607 The r-factors of M tuberculosis P Sachdeva et al the decreased levels of the sigA transcript might reflect a decrease in the mRNA pool relative to the total RNA of the cell [24] The sigA...

Ngày tải lên: 15/03/2014, 09:20

... 2.4.6 Positive Impacts of the Cruise Industry It is important to comment on some of the positive impacts of the cruise industry The industry contributes to the economy of destination areas For ... about ways to minimize their impact on the environment The fragmented nature of the tourism industry is not conducive to regulation that encompasses all aspects of the industry Therefore, educational ... INFLUENCE The previous section discussed the direct and indirect impacts of selected aspects of the tourism industry This section first presents the structure of selected components of the industry, ...

Ngày tải lên: 15/03/2014, 16:20

... majority of the studies have been done on the GnRH-I promoter, and there are only a few regarding regulation of the GnRH-II gene Regulation of GnRH gene expression The GnRH-I promoter In view of the ... transfection studies on the hGnRH-II promoter construct coupled to luciferase Self -regulation of GnRH gene The role of GnRH in the regulation of synthesis and secretion of gonadotropins in the pituitary ... employed, they are unlikely to resemble the actual complexity of gene regulation in the brain or other organs Only recently has the development of various transgenic mice enabled the investigation of...

Ngày tải lên: 16/03/2014, 04:20

... [18–20] Other studies have suggested that the binding of p65 to the cofactors renders them unavailable for gene activation [20–22] In the context of the GnRH II promoter, there is a cluster of enhancing ... for the repression of GnRH II gene in TE671 cells On the other hand, over-expression of RARs together with the application of RAs in JEG-3 cells led to significant (P < 0.001) alleviation of the ... target gene repression [35,41] The present study discusses the transcriptional regulation of the hGnRH II It is also the first report of differential regulation of the gene in two GnRH IIexpressing...

Ngày tải lên: 16/03/2014, 10:20

... interesting that the )10 sequence is located inside the iron box of desA (nucleotides 7–12 of the iron box), explaining the regulation of desA expression by binding of DmdR1 to the iron box The same ... cluster expression of the des cluster is mediated by the DmdR1 regulator Results Deletion of the desA gene of S coelicolor blocks desferrioxamine biosynthesis The organization of the putative desferrioxamine ... extension analysis of the transcription start (TS) point of the S coelicolor desA promoter Comparison of the reaction sequences of the promoter region (T, G, C, A) with that of the primer extension...

Ngày tải lên: 16/03/2014, 11:20