... and rang the bell.f. The next morning the Woodman was called into the Throne Room.g. They all followed the Soldier and found themselves in beautiful green rooms.h. They followed the Guardian ... carried on walking, they found themselves in the middle of a poppy field, and the smell ofthe flowers made Dorothy, Toto, and the Lion very, very sleepy so they couldn’t sleep any more. The Scarecrow ... Toto, and the Lion felt very sleepy and couldn’t walk anymore. The Queen told her new friends that if they called the mice, they would come.378. I fell in love 9. in the direction ofthe noise...
... hills, until they realised that they knew neither the way back to the Winkies’ Castle nor to the Palace of Oz. They were so tired that they could hardly walk. ‘Why don’t we call the field ... a little girl like you would melt me so easily!’Within a minute only the silver shoe and the key to the Lion’s cage were left ofthe Witch. Dorothy picked these up and ran to tell the Lion ... brains, the Lady answered:‘Very well. If you help Dorothy kill the Wicked Witch ofthe West, I will give you brains so good that you will be the wisest man in the Land of Oz. ’ The Scarecrow left...
... Tin Man5 The Cowardly Lion6 The River7 The Field of Sleep8 The Queen ofthe Field Mice9 The Emerald City10 The Great Wizardof Oz 11 The Wicked Witch ofthe West12 In the Power ofthe Wicked ... time.""Then I will take you to his Palace," the green man said. The Emerald City ofOz was a wonderful place. All the buildings were made of green marble54, with windows made of green glass. ... "I'll call the field mice!"So the girl blew the whistle that the Queen ofthe fieldmice had given her. In a few minutes, the little mice wereeverywhere."How can we help you,...
... sum total of being open to all The Gifts of Life results in living a life of Grace. This Gift manifests with the simple joy and abundance never farther away than the celebration ofthe person ... Gifts of Life and of Christmas to cut through the shifting shadows of all which may distract you. Therein you’ll find a life of grace filled with all 12 Gifts and many more. Click ... a oneness with the rest ofthe world. And yet, why is it we are so drawn to the attractions ofthe latest toy … the noise ofthe loudest hawker … the charms ofthe most alluring seduction?...
... in the bHLH domain iswell conserved within the Twist-related bHLH subfamily, towhich dHAND and eHAND belong [6]. The activity of some of these bHLH family proteins might also be r egulated by ... expression level of dHAND-Asp-X was lower thanthose of others in the absence of E47. But in the presence of E47, the expression level of this mutant was equivalent towild type dHAND or other mutants ... residues in the cells(Fig. 1C). These results indicate that the Akt signal m ay pos-itively modulate the phosphorylation status of dHAND.We further examined whether Akt directly phosphory-lates...
... perpendicular to the former, crossing the crown ofthe head to the nape ofthe neck. At each temple a heavy tuft is allowed to hang to the bottom ofthe lobe ofthe ear. The long hair ofthe strip ... him. The materials of which the leggins ofthe Seminole are usually made is buckskin. I saw, however, one pair of answer ofthe white man was equally frank: “Mat-te-lo, when Indian kill Billy, ... boots. The blanket is not often worn bythe Florida Indians. Occasionally, in their cool weather, a small shawl, ofthe kind made to do service in the turban, is thrown about the shoulders. Oftener...
... of objective measures: SLs= SL policy in simulation; SLr = SL policy with realusers; RLs = RL policy in simulation; RLr = RL policywith real users.allows us to target the experiments to the ... Comparison of ResultsWe finally test whether the results obtained in sim-ulation transfer to tests with real users, following(Lemon et al., 2006a). We evaluate the quality of the simulated learning ... from4 The ratings are normalised as some ofthe questions wereon different scales.a small amount of Wizard- of- Oz data, and we evalu-ated the result with real users. The use of WOZ dataallows...
... selection because,when bundled, the negative correlation between the costs of theseproducts reduces the overall variation ofthe costs ofthe bundle withindividual attributes (health and longevity) ... depends on the individual’ssurvival prospects. Naturally, these prospects also affect the value of an annuity to the individual’s expected lifetime utility. Other exampleswhere personal characteristics ... that the cost ofthe hypothetical bundle was lower by 3 to 5percent compared to the cost of these products when purchased sepa-rately. They also found that bundling increases significantly the...
... textbookfor actuaries:These are usually effected to avoid the disappointment that is often felt in the event ofthe early death of an annuitant. The calculation of yield closelyfollows the method used ... type of annuity is sold at a common price available to all potentialbuyers. In this kind of pooling equilibrium, the price of each type of annuity is equal to the average longevity ofthe buyers ... out of equilibrium, we follow the standardassumption that the sign ofthe price of each good changes in the oppositedirection to the sign of profits from sales of this good. The following assumption...
... be held by individuals for any length of timeand that their future stream of returns is fully specified at the time of purchase or sale. We continue to denote the annuities held by individualsduring ... functions.A group of individuals who share a common survival function willbe called a risk class. We shall consider a population that, at laterstages in life, consists of a number of risk classes. Uncertainty ... the arrival of risk-classinformation yield a predetermined flow of returns which, in equilibrium,reflect the expected relative weight of different risk classes in the population.Because of their...
... first-bestallocation are obtained through the revaluation of long-term annuities. The stochastically dominant risk class obtains a windfall because the annuities held by individuals in this class are ... respect to their future risk class by purchasinglong-term annuities early in life. In equilibrium these annuities yield atevery age a rate of return equal to the population average of risk classrates ... increases survivalprobabilities at all ages: ∂ F (z,α)/∂α ≤ 0. Individuals can affect the level of α by investing resources, whose level is denoted by m(α), such as med-ical care and healthy nutrition....
... r(z). This still leaves them with a profit becausea fraction f (z)/F (z) of these individuals will die and consequently theirentitlements as annuity holders will expire. Competition will generate ... partially self-insure against theserisks. The argument can be explained by a simple two-period example of a pair of individuals who have independent and identical survivalprobabilities.4A single ... value, 0 < R∗< T.5Jointly, these assumptions imply that the individual plans to have, ifalive, a period of retirement and that their planned retirement age occurson the downside of life...
... annuities sold. Recall that in the abovediscussion we allowed the purchase of short-term annuities late in life aswell as the short sale of long-term annuities purchased earlier. In spite of these ... chapter16.texFinancial Innovation•145A portfolio of refundable annuities with different refund prices willenable these adjustments to be more closely related to realization of the level of income and longevity ... additionto longevity risk. Further, to respond to the desire of individuals forflexibility, the model should allow for short sales of annuities purchasedearly or the purchase of additional short-term...