Farmers attitudes toward and evaluation and use of insurance for income protection on Montana wheat farms by Gordon E Rodewald
|
|
- Lorraine Sparks
- 8 years ago
- Views:
Transcription
1 Farmers attitudes toward and evaluation and use of insurance for income protection on Montana wheat farms by Gordon E Rodewald A THESIS Submitted to the Graduate Faculty in partial fulfillment of the requirements for the degree of Master of Science in Agricultural Economics Montana State University Copyright by Gordon E Rodewald (1960) Abstract: This research problem was designed to examine and evaluate farmers' attitudes toward crop insurance and to test the adequacy of crop insurance and to test the adequacy of crop insurance as a means of alleviating the adverse effects of yield variability encountered in dryland grain farming. Crop insurance was defined as any insurance available for crop protection; in Montana this includes all-risk insurance and crop-hail insurance. The hypotheses were: 1) that the use of crop insurance is more important in the short-run than in the long-run and; 2) that the farmer's use of crop insurance is influenced by his attitude toward and evaluation of crop insurance in relation to other methods of income protection. The tests were conducted with emphasis given to the beginning years for the farmer. To test this hypothesis and the adequacy of crop insurance the farmers attitude toward planning his farming operation, his attitude toward crop insurance, his evaluation of hazards faced, and his evaluation of alternative methods of protecting his farm income were determined. These tests were conducted through the use of; 1) the Guttman scalogram technique for measuring attitudes, and 2) the paired comparisons technique for determining rank order and finding the scale separation between hazards and alternative methods of income protection. The results of this analysis were then compared to the results of budget analysis to determine the adequacy of crop insurance. This was done for two areas; the Triangle winter wheat and the Northeast spring wheat. Four yield series compiled from state lease data were used. Two series from each area were used which were 17 to 20 years in length and in each case the average yield of the series approximated that of its respective area. To determine the effectiveness of crop insurance it was necessary to consider, in addition to cash expenses, the cost of maintaining the farm household. With these expenses it was possible to determine the effect on farm income of yield variability both in the short and long-run, This was done for the farm using and not using insurance. It was found in the study that farmers have a negative attitude toward the use of crop insurance. This was coupled with a low placing of crop insurance in relation to alternative methods of reducing the effects of low yields. In addition the budget analysis revealed that this appraisal by farmers may be accurate with respect to policies presently available.
2 FAEMBIiS ATTITUDES TOWARD AMD EVALUATION AMD USE OF.INSURANCE FOR INCOME PROTECTION ON 'MONTANA WHEAT' FARMS by Gordon E. Rodewa id, J r. A THESIS S u b m itte d to th e G ra d u a te F a c u lty i n p a r t i a l f u l f i l l m e n t o f th e r e q u ire m e n ts f o r th e d e g re e o f M a ste r o f S c ie n c e i n A g r i c u l t u r a l E conom ics a t M ontana S t a t e C o lle g e A pproved: lead, MaYor D e p a rtm en t C hairm an, E xam ining C om m ittee D ean, G r a d u a te /D iv is io n Bozeman, M ontana May I960 ]
3 hls-?*,. 2 TABLE OF CONTENTS age LIST OF ILLUSTRATIONS... LIST OF TABLES... ACKNOWLEDGMENTS... ABSTRACT i l l i v v i v i i CHAPTER I. INTRODUCTION... I THE PROBLEM SITUATION... I A g r ic u ltu r e on th e G re a t P l a i n s... I R is k and U n c e r ta in ty D e f i n e d... 3 Use o f I n s u ra n c e i n A g r i c u l t u r e... 4 In s u r a n c e P o l i c i e s P r e s e n t l y A v a ila b le... 6 The R e s e a rc h P roblem... 8 OBJECTIVES HYPOTHESIS... 9 PLAN OF FOLLOWING CHAPTERS... 9 CHAPTER I I. METHODOLOGY USID IN STUDY The S tu d y A r e a P ro c e d u re o f A n a ly s is ATTITUDE SCALES D e te rm in in g A t t i t u d e s V a l i d i t y o f S c a le S c o re s and J u s t i f i c a t i o n o f U se. 18 CONTINGENCY TABLES PAIRED COMPARISONS E s t a b l i s h i n g a Rank O rd er and T e s tin g th e Rank f o r A g reem ent S c a le V alu e s f o r th e Rank O rd e r J u s t i f i c a t i o n f o r U se BUDGET ANALYSIS B udget A ssum ptions CHAPTER I I I. FARMERS ATTITUDES TOWARD INSURANCE AND PLANNING P la n n in g A t t itu d e S ta te m e n ts In s u r a n c e A t t itu d e S ta te m e n ts F arm er A t t i t u d e s Toward P la n n in g T e s tin g P la n n in g A t t i t u d e s f o r A s s o c ia tio n F a r m e r 's A t t itu d e s Toward Crop In s u ra n c e CHAPTER IV. FARMER'S EVALUATION OF CROP INSURANCE AND HAZARDS F A C E D F a r m e r 's E v a lu a tio n o f Crop I n s u r a n c e F a r m e r 's E v a lu a tio n o f Types o f H azard s F a c e d i
4 TABLE- QF CONTENTS (c o n tin u e d ) CHAPTER V. ADEQUACY OF CROP INSURANCE Use o f Y ie ld S e r ie s on A ll R is k In s u r a n c e Use o f H a il I n s u ra n c e w ith th e Y ie ld S e r i e s CHAPTER V I. IMPLICATIONS AND FUTURE RESEARCH I m p l i c a t i o n s... ' 64 F u tu re R e s e a r c h CHAPTER V II. SUMMARY S u m m a ry APPEND IC IE S... ' APPENDIX A APPENDIX B APPENDIX C BIBLIOGRAPHY Zags ii
5 L IS T OF ILLUSTRATIONS FLgugg. PagR 1 Map Of C o u n tie s I n S tu d y A re a S c a le S e p a r a tio n s F o r A l t e r n a t i v e s By G roups S c a le S e p a r a tio n s F o r H azard s By G roups S c a le ' S e p a r a tio n s F o r H azard s By G ro u p s A ccum ulated G ross S a v in g s W ith No I n s u ra n c e And W ith A l l - R is k In s u r a n c e F o r Thg F o u r S p rin g W heat Farm s Y ie ld S e r ie s Numbgr A ccum ulated G ross S a y in g s W ith No I n s u ra n c e And W ith A l l - R is k In s u r a n c e F o r The F o u r W in te r W heat Farm s Y ie ld S e r ie s Number A ccum ulated G ross S a v in g s W ith No I n s u ra n c e And W ith A l l - R is k In s u r a n c e F o r The F o u r S p rin g Whgat Farm s Y ie ld S e r ie s Number A ccum ulated G ro ss S a v in g s W ith No I n s u ra n c e And W ith A l l - R is k I n s u r a n c e F o r Thg F o u r W in te r W heat Farm s Y ie ld S e r ie s Number iii
6 L IS T OF TABLES Number Paee I RESPONSE PATTERN B I QUESTION AND RESPONDENT I I GUTTMAN SCALE ANALYSIS FOR PLANNING ATTITUDES I I I OBSERVED CONTINGENCY TABLE FOR SCALE SCORE AND FARM SIZE. 21 IV EXPECTED VALUE FOR SCALE SCORE AND FARM S I Z E V F MATRIX SHOWING JUDGMENTS OF 251 FARMERS ON ALTERNATIVE METHODS OF PROTECTION USED BY FARMERS VI P MATRIX CORRESPONDING TO F MATRIX V II Z MATRIX CORRESPONDING TO P MATRIX V I I I IX X THEORETICAL NORMAL DEVIATES Z y CORRESPONDING TO SCALE DIFFERENCES BETWEEN ITEMS IN THE Z M A TR IX THEORETICAL PROPORTIONS FOR ALTERNATIVES CORRESPONDING TO THE P MATRIX VALUES OF 9 and 9 1-, OBSERVED AND EXPECTED PROPORTIONS CONVERTED INTO ANGLES IN TERMS OF DEGREES X I SCALOGRAM ANALYSIS OF PLANNING ATTITUDES FOR ALL FARMERS. 38 X I I X I I I SCALOGRAM ANALYSIS OF PLANNING ATTITUDES FOR NON-INSURANCE USERS SCALOGRAM ANALYSIS OF PLANNING ATTITUDES FOR INSURANCE U S E R S XIV SCALOGRAM ANALYSIS OF INSURANCE ATTITUDES FOR ALL FARMERS. 41 XV XVI SCALOGRAM ANALYSIS OF INSURANCE ATTITUDES FOR INSURANCE USERS SCALOGRAM ANALYSIS OF INSURANCE ATTITUDES FOR NON- INSURANCE USERS, I v
7 L IS T OF TABLES ( c o n tin u e d ) Number XV II Page ' RANK ORDER AND STATISTICAL EVALUATION OF ALTERNATIVE METHODS OF PROTECTION X V III RANK ORDER AND STATISTICAL EVALUATION FOR HAZARDS FACED BY FARMERS....' 46 XIX XX BUDGET INFORMATION FOR FARMS IN THE SPRING WHEAT AREA FOR THE FOUR FARM SIZES...52 BUDGET INFORMATION FOR FARMS IN THE SPRING WHEAT AREA FOR THE FOUR FARM S I Z E S XXI HAIL LOSSES AND PAYMENTS BY FARM S IZ E FOR EACH AREA, YIELD SERIES NUMBER I CXXII HAIL LOSSES AND PAYMENTS BY FARM SIZE FOR EACH AREA, YIELD SERIES NUMBER '. 63 v
8 ACKNOWLEDGMENTS Thg a u th o r i s in d e b te d t o th e A g r i c u l t u r a l F in a n c e R e s e a rc h B ranch o f th e A g r i c u l t u r a l R e s e a rc h S e r v ic e, U n ite d S t a t e s D e p a rtm en t o f A g r ic u ltu r e f o r m aking p o s s ib l e t h i s r e s e a r c h e f f o r t. A s p e c i a l d e b t o f g r a t i t u d e i s due D r. D. C. M y rick, Mr. Don B o b tw ick, and Mr. LeRoy C. R ude, A g r i c u l t u r a l E c o n o m is ts, Farm E conom ics R e se a rc h D i v i s i o n, A g r i c u l t u r a l R e s e a rc h S e r v ic e, U n ite d S t a t e s D e p a rtm en t o f A g r i c u l t u r e, f o r th e p e r s o n a l and p r o f e s s i o n a l enco u rag em en t r e c e iv e d th ro u g h o u t t h i s s tu d y. Thanks a re e x te n d e d to P r o f e s s o r s R. J. Mc.Connen, E. H. U a rd, and J. F. F is c h e r f o r t h e i r c r i t i c a l re v ie w th ro u g h o u t th e s tu d y. A p p re c i a t i o n i s a ls o e x te n d e d to th e o th e r members o f th e ex am in in g co m m ittee, P r o f e s s o r s M. C. T a y lo r and C.. J e n s e n, and to th e s e c r e t a r i a l s t a f f who e x h ib i te d e x tre m e p a tie n c e i n p u t t i n g t h i s m a t e r i a l i n f i n a l form. Any e r r o r s o r o m is s io n s i n t h i s s tu d y a re th e r e s p o n s i b i l i t y o f th e a u th o r. X v i
9 ABSTRACT T h is r e s e a r c h p ro b lem was d e s ig n e d t o exam ine and e v a lu a te f a r m e r s ' a t t i t u d e s to w a rd c ro p in s u r a n c e and to t e s t th e adequacy o f c ro p in s u r a n c e and t o t e s t th e adequacy o f c ro p in s u r a n c e a s a m eans o f a l l e v i a t i n g th e a d v e rs e e f f e c t s o f y i e l d v a r i a b i l i t y e n c o u n te re d in d r y la n d g r a i n fa rm in g. Crop in s u r a n c e was d e fin e d as any in s u ra n c e a v a ila b l e f o r c ro p p r o t e c t i o n ; i n M ontana t h i s in c lu d e s a l l - r i s k in s u r a n c e and c r o p - h a i l in s u r a n c e. The h y p o th e s e s w e re : I ) t h a t th e u se o f c ro p in s u r a n c e i s more im p o rta n t i n th e s h o r t - r u n th a n i n th e lo n g - r u n and; 2 ) t h a t th e f a r m e r 's u se o f c ro p in s u r a n c e i s in f lu e n c e d by h i s a t t i t u d e to w ard and e v a lu a tio n o f c ro p in s u r a n c e i n r e l a t i o n t o o th e r m ethods o f incom e p r o t e c t i o n. The t e s t s w ere c o n d u c te d w ith em p h asis g iv e n to th e b e g in n in g y e a r s f o r th e fa rm e r. To t e s t t h i s h y p o th e s is and th e ad equacy o f c ro p in s u r a n c e th e fa r m e r s a t t i t u d e to w a rd p la n n in g h i s fa rm in g o p e r a tio n, h i s a t t i t u d e to w a rd c ro p in s u r a n c e, h i s e v a lu a tio n o f h a z a rd s f a c e d, and h i s e v a lu a t i o n o f a l t e r n a t i v e m ethods o f p r o t e c t i n g h i s farm incom e w ere d e te rm in e d. T hese t e s t s - w e r e c o n d u c te d th ro u g h th e u se o f : l ) th e G uttm an sc a lo g ra m te c h n iq u e f o r m e a s u rin g a t t i t u d e s, and 2) th e p a ir e d c o m p a riso n s te c h n iq u e f o r d e te r m in in g ra n k o r d e r and f in d i n g th e s c a le s e p a r a tio n b e tw een h a z a rd s and a l t e r n a t i v e m ethods o f incom e p r o te c tio n. The r e s u l t s o f t h i s a n a ly s i s w ere th e n com pared to th e r e s u l t s o f b u d g e t a n a ly s i s to d e te rm in e th e adequacy o f c ro p in s u r a n c e. T h is was done f o r two a r e a s ; th e T r ia n g le w in te r w heat and th e N o rth e a s t s p r in g w h eat., F o u r y i e l d s e r i e s c o m p ile d from s t a t e l e a s e d a ta w ere u se d. Two s e r i e s from e a c h a r e a w ere u se d w hich w ere I? t o 20 y e a r s i n le n g t h and i n e a ch c a s e th e a v e ra g e y i e l d o f th e s e r i e s a p p ro x im ate d t h a t o f i t s r e s p e c tiv e a r e a. To d e te rm in e th e e f f e c t i v e n e s s o f c ro p in s u r a n c e i t was n e c e s s a ry to c o n s id e r, i n a d d itio n to c a s h e x p e n s e s, th e c o s t o f m a in ta in in g th e fa rm h o u s e h o ld. W ith th e s e e x p e n se s i t was p o s s ib l e to d e te rm in e th e e f f e c t on fa rm incom e o f y i e l d v a r i a b i l i t y b o th i n th e s h o r t and lo n g - r u n. T h is was done f o r th e farm u s in g and n o t u s in g in s u r a n c e. I t was fo u n d i n th e s tu d y t h a t fa rm e rs have a n e g a tiv e a t t i t u d e to w a rd th e u se o f c ro p in s u r a n c e. T h is was c o u p le d w ith a lo w.p la c in g o f c ro p in s u r a n c e i n r e l a t i o n t o a l t e r n a t i v e m ethods o f r e d u c in g th e e f f e c t s o f low y ie l d s '. I n a d d itio n th e b u d g e t a n a ly s is r e v e a le d t h a t t h i s a p p r a i s a l by fa rm e rs may be a c c u r a te w ith r e s p e c t t o p o l i c i e s p r e s e n t l y a v a i l a b l e. vii
10 CHAPTER I INTRODUCTION R is k and u n c e r t a i n t y i n G re a t P l a i n s a g r i c u l t u r e a ris fe s from c lim a t ic f a c t o r s, i n s e c t s, d i s e a s e, and f l u c t u a t i o n s i n p r i c e s p a id and p r ic e s r e c e i v e d.. One way t o a l l e v i a t e th e a d v e rs e e f f e c t s o f r i s k and u n c e r t a i n t y i s to u se c ro p in s u r a n c e. THE PROBLEM SITUATION The u n c e r t a i n s i t u a t i o n f a c e d by G re a t P l a i n s fa rm e rs h as le d to th e u se o f in s u r a n c e a s a m a n a g e ria l t o o l t o re d u c e v a r i a b i l i t y i n farm incom e. A g r ic u ltu r e on th e G re a t P l a in s The G re a t P l a i n s fa rm e r h a s alw ays b e e n f a c e d w ith f e a t u r e s w hich make fa rm in g d i f f i c u l t. Among th e s e a re g r e a t e x p a n se s o f f l a t and t r e e l e s s la n d and a v a r i a b l e s e m ia rid c lim a te. \ f Only th e c lim a te has b e e n a c o n tin u in g p ro b le m, a lth o u g h th e g r e a t e x p a n se s o f l e v e l la n d c e r t a i n l y c o n tr i b u te i n a c a u s a l way t o th e c lim a te and to th e dam aging e f f e c t s o f some o f th e c lim a t ic phenom ena. These in c lu d e b l i z z a r d s and c h in o o k w in d s i n w in te r and h a ils to r m s and h o t w inds i n summer. l / A c c o rd in g to Heb th e f l a t, t r e e l e s s la n d o f f e r s no o b s tr u c tio n s f o r a i r m ovem ent. T h is r e s u l t s i n c o n s ta n t movement o f a i r w h ich r e s u l t s i n f r e q u e n t w in d s o f h ig h v e l o c i t y. F a rm e rs w ere u n f a m ilia r w ith t h i s. See H a l t e r P r e s c o t t H ebb, The G re a t P l a i n s. Ginn and Company, New Y o rk, 1931, p p. 3 and 6.
11 i A verage p r e c i p i t a t i o n i n a s e m ia rid a r e a i s g e n e r a lly m a rg in a l f o r c ro p p r o d u c tio n. E ven m o d e ra te v a r i a t i o n s below th e a v e ra g e re d u c e y i e l d s s h a r p ly, and v a r i a t i o n s i n t h i s d i r e c t i o n need n o t be l a r g e to b r in g c o m p le te c ro p f a i l u r e. On th e o th e r hand m odest v a r i a t i o n s above th e mean in c r e a s e y i e l d s s i g n i f i c a n t l y and th e m ore e x tre m e ly f a v o r a b le w e a th e r p a t t e r n s t h a t have b e e n e x p e rie n c e d have d e m o n s tra te d th e p h y s ic a l c a p a c i ty o f th e P l a i n s t o p ro d u ce y i e l d s as h ig h a s any o t h e r a re a. A ll o f th e s e c a u se c o n s id e r a b le damage e a ch y e a r to grow ing c ro p s and to th e fa rm e r t h e i r o c c u rre n c e i s u n c e r t a i n. T here w i l l b e y e a r s when r a i n f a l l i s i n s u f f i c i e n t to p ro d u c e a, c ro p a d e q u a te to c o v e r o p e r a tin g e x p e n s e s. M ontana A g r i c u l t u r a l S t a t i s t i c s show t h a t th e s e e v e n ts do n o t n e c e s s a r i l y come one a t a tim e b u t may in d e e d l a s t s e v e r a l y e a r s. F o r exam ple fro m 1933 t o 1938 p r o d u c tio n i n th e N o rth e a s t S p rin g w h eat c o u n tie s ra n g e d from 1.5 t o 10 b u s h e ls p e r a c r e, a v e ra g in g b u s h e ls p e r a c r e. 2/ H ot d ry w in d s a re n o t l im ite d t o p e r io d s o f d r o u th, b u t have much th e same end r e s u l t. H a ils to rm s, b l i z z a r d s, and c h in o o k s, when th e y o c c u r, do l e s s g e n e r a l damage to c ro p s d u r in g th e y e a r, b u t may d e s tr o y a c ro p f o r an i n d iv i d u a l f a r m e r. B l i z z a r d s and c h in o o k w inds do t h i s by w in te r k i l l i n g o r f r e e z in g th e c ro p and h a ils to r m s by k n o c k in g i t down and t h r e s h in g i t d u rin g th e l a t e s ta g e s o f d e v e lo p m en t. 2 / Montana. A g r i c u l t u r a l S t a t i s t i c s. Volume V, M ontana D e p a rtm en t o f A g r i c u l t u r e, C o o p e ra tin g w ith th e U n ite d S t a t e s D e p a rtm e n t o f A g r i c u l t u r e, A g r i c u l t u r a l M a rk e tin g S e r v ic e, H e le n a, M ontana, D ecem ber, 1954, pp
12 - 3 - Im provem ents have b e e n made i n c u l t i v a t i o n m eth o d s, v a r i e t i e s o f s e e d, and m anagem ent te c h n iq u e s, a l l o f w hich te n d to l e s s e n th e e f f e c t o f d r o u th, i n s e c t s, r u s t, and o th e r d i s e a s e s. Even w ith th e s e im provem en ts t h e r e i s no p h y s ic a l m ethod f o r p r o t e c t i n g a g a in s t th e p a rc h in g h o t w in d s and h a ils to r m s w hich d e s tr o y p o t e n t i a l l y good c r o p s. F o r t h i s r e a s o n fa r m e r s have tu r n e d t o in s u r a n c e a s a m eans o f co m b h tin g th e s e u n c e r t a i n t i e s and s t a b i l i z i n g t h e i r farm in co m es. R is k and U n c e r ta in ty D e fin e d ' Many d e f i n i t i o n s have b e e n g iv e n f o r u n c e r t a i n t y and th e a s s o c ia te d r i s k, how ever f o r th e p u rp o s e s o f t h i s p a p e r th e d e f i n i t i o n s g iv e n by F ra n k K n ig h t w i l l be u se d. K n ig h t s t a t e s " r i s k i s a m e a s u ra b le u n c e r ta in ty, and u n c e r t a i n t y i s an u n m easu rab le u n c e r t a i n t y. The p r a c t i c a l d i f f e r e n c e b e tw e en th e two i s t h a t i n r i s k th e d i s t r i b u t i o n o f th e outcom e i n a g ro u p o f i n s t a n c e s i s known ( e i t h e r th ro u g h c a l c u l a t i o n s a p r i o r i o r from s t a t i s t i c s o f p a s t e x p e r i e n c e ). I n u n c e r t a i n t y i t i s, i n g e n e r a l, im p o s s ib le t o form a g ro u p o f i n s t a n c e s, b e c a u s e th e s i t u a t i o n i s i n a h ig h d e g re e u n iq u e. I f th e d i s t r i b u t i o n o f d i f f e r e n t p o s s ib l e outcom es i n a g ro u p o f i n s t a n c e s i s known, i t i s p o s s ib l e to g e t r i d o f any r e a l u n c e r t a i n t y by th e e x p e d ie n t g ro u p in g o f i n s t a n c e s. T h at i t i s p o s s ib le d o e s n o t mean t h a t t h i s w i l l b e done and f o r th e i n d i v i d u a l t h e r e i s no d i f f e r e n c e b e tw e e n a m e a su ra b le u n c e r t a i n t y and an u n m easu rab le u n c e r t a i n t y. 11 3/ 3 / F ra n k H. K n ig h t, R is k. U n c e r ta in ty, and P r o f i t. H oughton M if f lin Company, New Y o rk, 1921, pp
13 - L r - U sin g K n ig h t's d e f i n i t i o n we c a n sa y t h a t f a c t o r s su c h as c lim a te and p r i c e f l u c t u a t i o n s a re u n m easu rab le u n c e r t a i n t i e s f o r th e i n d iv i d u a l f a r m e r. H ow ever, th e incom e e f f e c t s o f m ost c lim a t ic f a c t o r s ' su ch as h a i l, d r o u th, and w ind a re u n c e r t a i n t i e s w hich may b e s h i f t e d to an in s u ra n c e company w hich c a n g ro u p th e i n s t a n c e s and become th e r i s k t a k e r. To th e e x te n t t h a t a fa rm e r s h i f t s th e u n c e r t a i n t y th ro u g h th e u se o f in s u ra n c e th e im p a c t o f th e e v e n t may be le s s e n e d. U n le s s th e fa rm e r ta k e s in s u r a n c e e v e ry y e a r f o r th e s e c o n tin g e n c ie s th e y a re s t i l l u n c e r ta in to th e f a r m e r. Even i f th e fa rm e r c a r r i e s in s u r a n c e e v e ry y e a r an elem en t o f incom e u n c e r t a i n t y re m a in s i n th e fo rm o f p r ic e and y i e l d u n c e r ta in ty w h ich c a n n o t b e f u l l y in s u r e d ; Use o f In s u r a n c e i n A g r ic u ltu r e The f i r s t a tte m p t t o i n s u r e g row ing c ro p s was a g a in s t h a i l on C o n n e c tic u t to b a c c o i n By 1920 h a i l in s u ra n c e s o ld by m u tu a ls, s to c k com panies and s t a t e h a i l d e p a rtm e n ts was a d o p te d by G re a t P la in s f a r m e r s.' L / The f i r s t a tte m p t t o i n s u r e c ro p s f o r o th e r th a n h a i l came i n th e form o f a g e n e r a l c ro p in s u r a n c e i n 1899, fo llo w e d a g a in i n 1917, 1919, 1931, and A ll o f th e s e w ere by p r i v a t e co m p an ies and a l l f a i l e d. 5 / I n 1938 C o n g ress p a s s e d th e F e d e r a l Crop I n s u r a n c e Act w hich 4 / Jo h n C. E l l i c k s p n, H a il I n s u ra n c e on Growing C ro p s. U n ite d S ta te s D e p a rtm en t o f A g r i c u l t u r e, I n fo r m a tio n B u l l e t i n 56, p r o c e s s e d Ju n e, 1951, p p '5 / W illia m G. M u rray, A g r i c u l t u r a l F in a n c e. Iow a S t a t e C o lle g e P r e s s, Ames, Iow a, 1953, p. 161.
14 - 5 - now p r o v id e s a l l - r i s k in s u r a n c e f o r su c h c r o p s,a s w h e a t, c o tto n, f l a x, c o r n, to b a c c o, b e a n s, c i t r u s, and c o m b in a tio n s o f c ro p s. Many p e o p le who c h o se fa rm in g a s an o c c u p a tio n w i l l have as t h e i r f i r s t g o a l s u r v i v a l o f th e farm f ir m and th e farm h o u s e h o ld. T h is may be a c c o m p lish e d by m a in ta in in g a f a v o r a b le n e t w o rth p o s i t i o n and in c r e a s in g h i s n e t w o rth o v e r tim e u n t i l h i s s u r v i v a l g o a l i s a s s u r e d. T h is means th e fa rm e r n e e d s " to m anage p r o d u c tio n, i n v e n t o r i e s, c a s h r e s e r v e s, and a c c e s s t o o u ts id e fu n d s (th ro u g h in s u r a n c e and c r e d i t ) so a s t o m inim ize th e p r o b a b i l i t y o f a r i s k l o s s l a r g e enough to r e n d e r th e fa rm e r i n s o lv e n t ". / The in s o l v e n t p o s i t i o n i s d e f in e d to be w here c a s h r e c e i p t s f a l l s h o r t o f m e e tin g n e c e s s a r y p r o d u c tio n and fa m ily l i v i n g e x p e n se s as w e ll a s d e b t and t a x p ay m en ts. I n th e G re a t P l a i n s r e g io n t h i s s u r v iv a l g o a l i s n o t alw ay s e a s i l y a t t a i n e d b e c a u s e o f th e u n c e r t a i n t i e s p r e v io u s ly m en tio n e d and by th e p r e c a r io u s c a p i t a l p o s i t i o n o f b e g in n in g fa r m e r s. The seco n d g o a l o f many fa rm e rs w i l l be' c a p ita l- a c c u m u la tio n. They w i l l t r y t o a t t a i n t h i s a f t e r th e s u r v i v a l g o a l has. b e e n re a c h e d. The s u r v i v a l g o a l o f th e fa rm e r may b e c o n s id e r e d t o b e th e s h o r t - r u n g o a l and c a p i t a l a c c u m u la tio n th e lo n g - r u n g o a l. W ith th e a d v e n t o f c ro p in s u r a n c e th e fa rm e r was f a c e d w ith th e d e c is i o n o f w h e th e r o r n o t to p r o t e c t h i s incom e w ith in s u r a n c e. He may make t h i s d e c is io n - e a c h y e a r o r he may make th e d e c is io n o n c e. Is/ R a in e r S c h lc k e le, " F a rm e r's A d a p ta tio n s t o Income U n c e r ta in ty ", J o u r n a l o f Farm E c o n o m ics. V o l. XXXII, No. 3, A u g u st, 1950, p.' 363.
15 6 - T here a re many r e a s o n s why fa r m e r s fa c e d w ith u n c e r t a i n t i e s choose t o u se o r n o t t o u se in s u r a n c e. Among th e s e a re a t t i t u d e s to w ard in s u r a n c e w h ich may b e a f f e c te d by su c h f a c t o r s as a g e, e x p e rie n c e, th e s i z e o f u n i t, n e t w o rth p o s i t i o n o r c o s t o f in s u r a n c e. A fa rm e r may p la y hunch es and buy a l l - r i s k o r c r o p ^ h a il in s u r a n c e o n ly once i n a w h ile, sa y one o u t o f f o u r y e a r s, t h in k in g he c a n i n t h i s m anner make in s u ra n c e pay o f f f o r him, w hich i t may a c t u a l l y d o. I n t h i s c a s e he may be c a l c u l a t i n g a p r i o r i th e p r o b a b i l i t y o f an e v e n t su c h as a h a i l sto rm o c c u r r in g. T h is ty p e o f c a l c u l a t i o n w ould be a s u b je c t iv e judgm ent on th e p a r t o f th e f a r m e r s. Some fa rm e rs may n o t u se in s u r a n c e b e c a u s e th e y c o n s id e r th e im p a c t o f th e r i s k to b e so s l i g h t as n o t t o w a rra n t i t s u s e. T here may a ls o b e i n s t i t u t i o n a l r e a s o n s why fa r m e r s ch o o se t o u se o r n o t u se in s u r a n c e. T hese may stem fro m p a s t e x p e rie n c e w ith th e in s u r a n c e compa,- n n i e s, f o r ex am p le, u n s a t i s f a c t o r y a d ju s tm e n t o f l o s s e s. In s u r a n c e P o l i c i e s P r e s e n t l y A v a ila b le I n M ontana, F e d e r a l Crop In s u r a n c e i s o f f e r e d f o r w h eat i n 19 c o u n tie s and f o r b a r l e y i n s i x. As w r i t t e n i n 1939 and r e v is e d i n 1946 th e F e d e r a l C rop I n s u ra n c e A ct s t a t e s t h a t th e amount o f th e c o v e ra g e o f f e r e d p e r a c re m ust be an amount lo w e r th a n th e p e r a c re c o s t o f p ro d u c in g th e c ro p i n th e a r e a and i n no c a s e s h a l l i t e x c eed 75 p e rc e n t o f th e a v e ra g e y i e l d. As t h i s i s an a l l - r i s k ty p e p o l ic y th e in d e m n ity may b e c o lle c t e d i f damage to th e c ro p i s from any n a t u r a l c a u se and i f th e damage b r in g s th e a v e ra g e y i e l d f o r th e farm below th e y i e l d o f c o v e ra g e. T h is l e v e l o f c o v e ra g e v a r i e s b e tw e e n a r e a s and b e tw e e n c o u n tie s d e p e n d in g upon th e
16 - 7 - r i s k o f th e a r e a. I n th e s p r in g w heat c o u n tie s th e c o v e ra g e v a r i e s from 4 to 9 b u s h e ls, f o r th e w in te r w heat c o u n tie s i t v a r i e s fro m 4 to The lo w e r c o v e ra g e s a re u s u a lly a s s o c ia te d w ith f i e l d s w here c o n tin u o u s c ro p p in g i s p r a c t i c e d. The prem ium r a t e s c h a rg e d v a ry a c c o rd in g t o th e c o v e ra g e and r i s k a s s o c ia te d w ith th e a r e a from.85 b u s h e ls to b u s h e ls i n th e s p rin g w h eat a r e a and fro m.59 b u s h e ls t o 1.50 b u s h e ls i n th e w in te r w heat a re a. R e d u c tio n s i n prem ium s a re a v a ila b l e to th e fa rm e r who i n s u r e s 200 a c r e s o r o v e r. The r e d u c tio n to him i s 4 p e r c e n t i f h i s in s u r e d a c re a g e i s o v e r 200 a c r e s and 2 p e r c e n t f o r e a c h a d d i t i o n a l 100 a c r e s. I n a d d itio n r e d u c tio n s a re a v a ila b l e t o e v e ry fa rm e r; f o r e a c h n o - lo s s - y e a r he w i l l r e c e iv e a r e d u c tio n o f 5 p e rc e n t up to a maximum o f 50 p e r c e n t. I f th e fa rm e r h a s f i v e c o n s e c u tiv e n o - lo s s y e a r s and h as a l o s s th e s i x t h y e a r h i s prem ium w i l l th e n go b a c k to a 15 p e rc e n t r e d u c t io n. T h is means t h a t i f a fa rm e r c a r r i e s i t e v e ry y e a r and c a n go f o u r y e a r s w ith o u t a l o s s h i s prem ium w i l l b e re d u c e d a t l e a s t 15 p e rc e n t r e g a r d l e s s o f th e l o s s e s e x p e rie n c e d a f t e r t h a t. H a il in s u r a n c e i s l e s s c o m p lic a te d th a n F e d e ra l Crop I n s u r a n c e. I t o p e r a te s th e same as f i r e in s u r a n c e, a u to m o b ile in s u r a n c e, o r any in s u r a n c e w here th e in d e m n ity i s p a id on th e p e rc e n t o f dam age. T here a re a b o u t 43 s to c k h a i l in s u r a n c e com panies o p e r a tin g in M ontana a lo n g w ith th e S t a t e H a il B oard in s u r a n c e. The p r i v a t e com panies a l l o f f e r i d e n t i c a l c o v e ra g e s and r a t e s. The c o v e ra g e o f f e r e d f o r h a i l in s u r a n c e by th e s e com panies i s th e amount o f c o v e ra g e th e fa rm e r f e e l s
17 8 he n e e d s, th e c o v e ra g e c a n n o t ex ceed th e e x p e c te d v a lu e o f th e c ro p. The S t a t e H a il B oard l i m i t s c o v e ra g e t o $12 an a c r e. The R e s e a rc h P roblem The p u rp o se o f t h i s r e s e a r c h i s t o d e te rm in e f a r m e r 's a t t i t u d e s to w a rd and e v a lu a tio n o f a l l - r i s k and c r o p - h a i l in s u r a n c e i n r e l a t i o n to a l t e r n a t i v e m ethods o f p r o t e c t i n g farm in co m es. F a rm ers a p p r a i s a l o f th e h a z a rd s fa c e d w i l l a ls o be d e te rm in e d. A t e s t o f th e adequacy o f a l l - r i s k and c r o p - h a i l in s u r a n c e as a m eans o f r e d u c in g th e e f f e c t s o f y i e l d v a r i a b i l i t y on th e flo w o f farm incom es w i l l be c o n d u c te d i n an e f f o r t to r e l a t e t h i s t o fa rm e rs a t t i t u d e s and e v a lu a tio n s. OBJECTIVES The g e n e r a l o b j e c t iv e o f t h i s s tu d y w i l l b e to a p p r a is e c ro p in s u ra n c e from th e v ie w p o in t o f b o th th e fa rm e rs and th e in s u r a n c e co m panies and make s u g g e s tio n s f o r i t s im provem ent as a t o o l i n th e m anagem ent o f fa rm s. S p e c if ic o b j e c t iv e s a r e : 1. t o d e te rm in e th e f a r m e r 's e v a lu a tio n o f in s u r a n c e a s a m a n a g e ria l t o o l i n r e l a t i o n to o th e r means o f c o m b atin g r i s k and u n c e r t a i n t y. 2. t o d e te rm in e f a r m e r 's a t t i t u d e s to w a rd a l l - r i s k and c r o p - h a il in s u r a n c e as a m eans o f s t a b i l i z i n g farm incom e. 3. to t e s t th e adequacy o f p r e s e n t in s u r a n c e to h e lp fa rm e rs s u r v iv e u n fa v o ra b le w e a th e r c o n d itio n s th ro u g h b u d g e t a n a ly s i s.
18 _ 9 - HYPOTHESIS I t i s m ore im p o r ta n t f o r M ontana fa rm e rs w ith a low n e t w o rth th a n a h ig h n e t w o rth t o u se a l l - r i s k and c r o p - h a il, in s u r a n c e f o r s t a b i l i z i n g fa rm incom e and a t t a i n i n g th e g o a l o f s u r v i v a l. S p e c if ic h y p o th e s e s a re s % 1. th e fa rm e r who u s e s a l l - r i s k and c r o p - h a i l in s u r a n c e i s l e s s l i k e l y t o e x p e rie n c e y e a r s when fa rm incom e i s n o t l a r g e enough t o c o v e r fa rm in g e x p e n se s th a n th e fa rm e r who d o e s n o t. 2. th e f a r m e r s u se o f a l l - r i s k and c r o p - h a i l in s u r a n c e i s in f lu e n c e d by b o th h i s a t t i t u d e to w ard and h i s e v a lu a tio n o f i t a s a m a n a g e ria l t o o l w ith r e s p e c t to a l t e r n a t i v e m ethods o f p r o t e c t i o n. PIAN OF FOLLOWING CHAPTERS The a n a l y t i c a l m ethods w i l l be d e s c r ib e d i n C h a p te r I I. An u n d e r s ta n d in g o f th e m ethods a re r e q u ir e d f o r co m p re h en sio n o f th e a n a ly s is w h ich fo llo w s, i n th e re m a in in g c h a p te r s. The m ethods are'; I ) Guttm an s c a l e, 2) C o n tin g en c y t a b l e s, 3) P a ir e d c o m p a riso n s, and 4) B u d g e ts. The f a r m e r 's a t t i t u d e s to w a rd p la n n in g and in s u r a n c e w i l l be d e s c r ib e d i n C h a p te r I I I. T h is in c lu d e s t e s t i n g a t t i t u d e s f o r a s s o c i a t i o n w ith o th e r f a c t o r s. I n C h a p te r IV th e fa rm e rs e v a lu a tio n s o f c ro p in s u r a n c e a s a manag e r i a l t o o l f o r s t a b i l i z i n g farm incom e w i l l be exam ined.
19 C h a p te r V w i l l be d e v o te d t o b u d g e t a n a ly s i s o f c a p i t a l a c c u m u la tio n i n o r d e r t o d e te rm in e th e s u i t a b i l i t y o f c ro p in s u r a n c e a s a m a n a g e ria l t o o l. C h a p te r VI w i l l b e d e v o te d to im p lic a tio n s and f u t u r e r e s e a r c h. C h a p te r V II w i l l b e d e v o te d to a summary o f th e s tu d y.
20 CHAPTER I I METHODOLOGY USED' IN STUDY The S tu d y A rea Two o f th e m a jo r w heat p ro d u c in g r e g io n s o f M ontana, th e N o rth e a s t, s p r in g w heat a r e a and th e T r ia n g le w in te r w h eat a r e a w ere s tu d i e d. V a lle y, D a n i e ls, S h e r id a n, R o o s e v e lt, R ic h la n d, and McCone c o u n tie s r e p r e s e n te d th e N o r th e a s t w h ile T o o le, L i b e r t y, H i l l, C h o u teau, F e rg u s, J u d i t h B a s in, Teton, and P o n d e ra c o u n tie s r e p r e s e n te d th e T r ia n g le. These a re shown i n F ig u re I. Sam ple c o m m u n ities w ere random ly draw n fro m a l l o f th e s e c o u n tie s, e a c h d e s ig n e d to c o n ta in a t l e a s t 15 fa rm s, 10 o f w hich w ere to be c o n ta c te d. Farm s w ere, e lim in a te d w h ich d id n o t have as t h e i r m ajo r e n t e r p r i s e s m a ll g r a i n p r o d u c tio n. The in f o r m a tio n c o l l e c t e d r e p r e s e n te d 24 co m m u n ities and in c lu d e d 251 fa r m e r s. P ro c e d u re o f A n a ly sis. F o u r a n a l y t i c a l te c h n iq u e s a re u se d i n t h i s s tu d y ; l ) sc a lo g ra m a n a l y s i s, to d e te rm in e th e f a r m e r s ' a t t i t u d e to w ard c ro p in s u r a n c e and to w a rd p la n n in g i n g e n e r a l, 2) p a ir e d c o m p a ris o n s, t o d e te rm in e th e f a r m e r s ' e v a lu a tio n s o f c ro p and c r o p ^ h a il in s u r a n c e i n r e l a t i o n to a l t e r n a t i v e m ethods o f s t a b i l i z i n g fa rm incom e, 3) c o n tin g e n c y t a b l e s, t o e v a lu a te th e f a r m e r s ' a t t i t u d e s to w a rd in s u r a n c e and p la n n in g, and 4 ) b u d g e t s t u d i e s, t o d e te rm in e th e ad equacy o f c ro p in s u r a n c e i n h e lp in g fa r m e r s a t t a i n t h e i r g o a ls. E ach o f th e s e w i l l b e e x p la in e d
21 Toole Valley / Daniels ^ishi Cv Pondera Ro osevelt Teton Chouteau McCone JRichIond Juditm -L o$in Fergus F ig u re I. Map o f C o u n tie s i n S tu d y A rea.
22 13 - i n t h i s c h a p te r i n o r d e r t h a t th e r e a d e r w i l l have an e le m e n ta ry u n d e r s ta n d in g o f t h e i r a p p l i c a t i o n to t h i s s tu d y. The fa rm s i z e s a r e : 1) s m a ll fa rm s r a n g in g from 95 to 580 c ro p a c r e s, a v e ra g in g 384 c ro p a c r e s, 2 ) medium fa rm s r a n g in g fro m 600 t o 1,095 c ro p a c r e s, a v e ra g in g 830 c ro p a c r e s, 3) medium l a r g e farm s r a n g in g from 1,1 0 0 to 1,360 c ro p a c r e s, a v e ra g in g 1,200 c ro p a c r e s, and 4 ) l a r g e farm s ra n g in g fro m 1,400 t o 2,400 c ro p a c r e s, a v e ra g in g I,700 c ro p a c r e s. I t w i l l b e assum ed th ro u g h o u t th e s tu d y t h a t th e p r i c e s p a id and p r i c e s r e c e iv e d by fa r m e r s a re th o s e p a id and r e c e iv e d i n The c o s t i n f o r m a tio n used i n th e b u d g e ts a re fro m a s tu d y c u r r e n t l y b e in g c o n d u c te d by th e Farm E conom ics R e s e a rc h D i v i s i o n, i / Crop in s u r a n c e w i l l be d e f in e d as in s u r a n c e f o r incom e p r o t e c t i o n and w i l l in c lu d e b o th c r o p - h a i l and a l l - r i s k c ro p in s u r a n c e. The premium r a t e s and p o l i c i e s o f th e in s u r a n c e co m panies a re th o s e a v a ila b l e to f a r m e r s i n ATTITUDE SCALES An a t t i t u d e may be d e f in e d a s "th e, d e g re e o f p o s i t i v e o r n e g a tiv e a f f e c t a s s o c i a te d w ith some p s y c h o lo g ic a l o b j e c t ", 2 / T h is p s y c h o lo g ic a l l / S tu d y i n p r o g r e s s, S u p p ly R esponse t o W heat on D ry la n d Crop Farms i n M ontana, c o n d u c te d by LeRoy C. R ude, A g r i c u l t u r a l E c o n o m is t, Farm E conom ics R e s e a rc h D i v i s i o n, A g r i c u l t u r a l R e se a rc h S e r v ic e, U n ited S t a t e s D e p a rtm e n t o f A g r ic u ltu r e. 2 / A. L. E d w ard s, T e c h n iq u e s o f A t t itu d e S c a le C o n s tr u c tio n, A p p le to n - C e n tu ry -Cr o f t, I n c., New Y o rk, 1957,! p. 2.
23 - U - o b je c t may be a sym bol, p h r a s e, s lo g a n, p e rs o n, i n s t i t u t i o n, i d e a l o r i d e a to w a rd w h ich p e o p le may d i f f e r w ith r e s p e c t to p o s i t i v e o r n e g a tiv e " a f f e c t ". I n t h i s s tu d y th e p s y c h o lo g ic a l o b je c ts w ere c ro p in s u ra n c e and p la n n in g. The i n d i v i d u a l s ' a t t i t u d e to w ard an o b je c t i s d e te rm in e d th ro u g h h is p o s i t i v e o r n e g a tiv e re s p o n s e to e a c h o f a s e r i e s. o f a p p r o p r ia te s ta te m e n ts. I n o r d e r f o r th e s e s ta te m e n ts to be e f f e c t i v e i t i s n e c e s s a r y t h a t a few ' b a s ic r e q u ir e m e n ts b e m et; 1) s ta te m e n ts w hich r e f e r to th e p a s t r a t h e r th a n th e p r e s e n t sh o u ld b e a v o id e d, 2) f a c t u a l s ta te m e n ts sh o u ld be a v o id e d, 3 ) u se s ta te m e n ts w hich r e f e r to th e p s y c h o lo g ic a l o b j e c t, 4 ) s e l e c t s t a t e m en ts t h a t a re b e lie v e d to c o v e r th e e n t i r e ra n g e o f th e e f f e c t i v e s c a le o f i n t e r e s t, 5) a v o id s ta te m e n ts t h a t a re l i k e l y to b e a g re e d o r d is a g r e e d w ith by a lm o st e v e ry o n e, 6 ) k eep th e la n g u a g e o f th e' s ta te m e n ts s im p le, c l e a r, and d i r e c t,? ) e a c h s ta te m e n t s h o u ld c o n ta in o n ly one co m p lete th o u g h t, and 8 ) a v o id am biguous s ta te m e n ts, and w ords t h a t may n o t be u n d e r s to o d by e v e ry o n e. 3 / I f th e s e c r i t e r i a a re m et th e s ta te m e n ts sh o u ld have th e same m eaning to a l l r e s p o n d e n ts, w l t h i a common fram e o f r e f e r e n c e to th e o b j e c t. T here a re s e v e r a l m ethods o f u s in g th e s e s ta te m e n ts t o o b ta in th e a t t i t u d e o f th e r e s p o n d e n t, and from among them th e m ethod c a l l e d th e S c a lo g ra m was c h o sen f o r t h i s s tu d y. T h is m ethod, d e v e lo p e d by L. A. 3 / I b i d., p p
24 G uttm an i n th e 's and i n 1.950, i s commonly c a l l e d th e G uttm an s c a le and will be r e f e r r e d to as su ch th ro u g h o u t th e s tu d y. 4 / I n o r d e r f o r a s e t o f s ta te m e n ts w ith a common c o n te n t to c o n s t i t u t e a G uttm an s c a l e th e i n d i v i d u a l w ith a h ig h e r s c o re th a n a n o th e r i n d i v i d u a l m ust ra n k as h ig h o r h ig h e r on e v e ry s ta te m e n t i n th e s e t. I f t h i s hap p en s t h e s ta te m e n ts a re s a id to c o n s t i t u t e an u n id im e n s io n a l s c a l e. I n th e u n id im e n s io n a l s c a l e th e s ta te m e n ts e s t a b l i s h a c o n tin u u m r a n g in g from l e a s t to m ost f a v o r a b le w ith r e s p e c t to th e p s y c h o lo g ic a l s ta te m e n t ( in s u r a n c e i n t h i s c a s e ). I n g e n e r a l th e co n tin u u m w ould mean t h a t e v e ry p e rs o n who had a s c a l e s c o re o f t h r e e a g re e d t o th e same t h r e e s ta te m e n ts, th o s e who had a s c o re o f f o u r a g re e d to th e same t h r e e a s th o s e w ith a s c o re o f th r e e p lu s one m ore s ta te m e n t, and th o s e who had a s c o re o f f i v e a g re e d w ith th o s e who had a s c o re o f f o u r p lu s one m ore s ta te m e n t and so on. I t i s th e p u rp o se o f th e G uttm an s c a l e to t e l l us w hat th e s c a l e s c o re i s f o r e a c h i n d i v i d u a l. I f th e num ber o f s ta te m e n ts i s r e l a t i v e l y s m a ll and t h e r e a re o n ly a few re s p o n d e n ts th e s c a l i n g Jaay b e done m a n u a lly. I f th e num ber o f r e s p o n d e n ts i s l a r g e t h i s w i l l b e m ore r e a d i l y done by th e u se o f a s o r t e r and a r e p r o d u c in g punch a f t e r th e in f o r m a tio n o r an sw ers to th e s ta te m e n ts have b e e n punched on c a r d s. The l a t t e r m ethod was used i n t h i s s tu d y as th e num ber o f re s p o n d e n ts was 251. L / I b i d.. p. 172.
25 16 One m ethod f o r s c a l i n g th e s ta te m e n ts by th e m achine m ethod was d e v e lo p e d by C a ro l L. S to n e w e ig h tin g th e ' s ta te m e n ts. u s in g R o b e rt H. F o r d 's p ro c e d u re o f The m ethod em ployed by b o th R o b e rt F ord and C a ro l S to n e i s t h a t th e w e ig h ts w i l l in c r e a s e i n m o d ifie d g e o m e tric p r o g r e s s io n. E ach g e o m e tric s c o re may b e a t t a i n e d i n o n ly one way. I n an e ig h t - s t a te m e n t s c a l e a re s p o n d e n t w ith a p e r f e c t n e g a tiv e re s p o n s e to ml 1 e ig h t s ta te m e n ts w ould have a g e o m e tric s c o re o f 0. T h is w ould be th e on ly way t h i s g e o m e tric s c o re c o u ld be a t t a i n e d. I f a re s p o n d e n t had a p e r f e c t p o s i t i v e r e s p o n s e t o th e e ig h t s ta te m e n ts h i s g e o m e tric s c o re w ould b e 255. B etw een 0 and 255 t h e r e a re 254 p o s s ib l e c o m b in a tio n s o f r e s p o n s e p a t t e r n s, s c o r e s 0, I, 3, 7, 15, 3 1, 63, 127, and 255, a re p e r f e c t g e o m e tric s c o r e s and w i l l c o n ta in no e r r o r s, a l l o t h e r s w i l l. The g e o m e tric s c o re i s o b ta in e d by a d d in g th e w e ig h ts o f th e s ta te m e n ts answ ered p o s i t i v e l y. F o r ex am p le, s ta te m e n t one h as a w e ig h t o f one, and two a w e ig h t o f tw o. T h is g iv e s a g e o m e tric s c o re o f t h r e e. The e r r o r s a re r e c o r d e d and d i s t r i b u t e d a c c o rd in g to ite m. T a b le I i l l u s t r a t e s some r e s p o n s e p a t t e r n s. F o r exam ple re s p o n d e n t H had a g e o m e tric s c o re o f 191, he c o u ld o b t a i n t h i s s c o re o n ly by an sw erin g p o s i t i v e l y to a l l b u t th e s e v e n th s ta te m e n t i n a s e r i e s o f e i g h t, had he answ ered p o s i t i v e l y t o t h i s q u e s tio n he w ould have had a p e r f e c t s c o re o f 255. T h is i s o b ta in e d by a d d in g th e w e ig h ts {l \ + 128) o r 22n f o r a l l p o s i t i v e r e s p o n s e s. 5 / C a ro l L. S to n e, M aohine M ethod f o r S c a lin g Twelve D ic h o to m ie s., S t a t e C o lle g e o f W a sh in g to n, pp
26 TABLE I. RESPONSE PATTERN BY QUESTION AJTO RESPONDENT R esp o n d ent R eso o n se o a t t e r n to Questions G eom etric S c a le Number I 2 3 A 5 A 7 A s c o re s c o re o f e r r o r s A '0 O O O O O O O O O O B O I '0 O O O O O 2 2 I C I I 1 O O O O O 7 3. O D I I I O O O O I E 1 1 O 1 O 1 O O F 1 1 I I O O O O 15 4 O G 1 I I 1 I O O O 31 5 O H I I I O I I I I 1 I 1 O I I J I' S 8 O W eight M 0» I n a d d itio n t o th e g e o m e tric s c o re th e re s p o n d e n t i s g iv e n a s c a le s c o r e w h ich c o rre s p o n d s t o th e r e s p o n s e c a te g o r y he b e lo n g s i n. In th e c a s e o f th e r e s p o n d e n t w h o.answ ered p o s i t i v e l y to a l l b u t th e s e v e n th q u e s tio n, i n a s e r i e s o f e i g h t, h is s c a l e s c o re w ould be e i g h t, th e same as i f h e 'd answ ered a l l e ig h t p o s i t i v e l y, b u t w ith one n e g a tiv e e r r o r. The r e a s o n f o r t h i s c l a s s i f i c a t i o n i s t h a t he m ost re s e m b le s t h a t g ro u p. A re s p o n d e n t w ith a g e o m e tric s c o re o f two may be c l a s s i f i e d e i t h e r w ith th e z e ro g ro u p o r th e g ro u p w ith a s c a l e s c o re o f tw o, i n e i t h e r c a se he w i l l r e c e iv e ah e r r o r o f o n e. A c c o rd in g t o th e r u l e s s e t up by F ord he w i l l b e p u t i n th e g ro u p w ith a s c a l e s c o re o f two and he w i l l r e c e iv e a n e g a tiv e e r r o r o f o n e. A re s p o n d e n t w ith a g e o m e tric s c o re o f 135 w ould have answ ered p o s i t i v e l y to th e f i r s t t h r e e ite m s, i n a s e r i e s o f e i g h t, n e g a tiv e t o th e n e x t f o u r and p o s i t i v e t o th e l a s t o n e. T h is p u ts him i n th e g ro u p w ith a s c a l e s c o re o f t h r e e w ith one p o s i t i v e e r r o r, th e
27 e r r o r com ing fro m th e l a s t q u e s tio n w h ich he answ ered p o s i t i v e l y. In i n s t a n c e s w here th e re s p o n d e n t h as an e r r o r, and i t i s u n c e r t a i n w h e th e r i t sh o u ld b e a p o s i t i v e o r n e g a tiv e e r r o r, th e e r r o r w i l l b e s p l i t and one h a l f w i l l b e n e g a tiv e and one h a l f p o s i t i v e. F o r ex am p le, i f th e re s p o n d e n t answ ered a l l q u e s tio n s n e g a tiv e ly, e x c e p t th e seco n d one 'h is e r r o r w ould b e s p l i t h a l f and h a l f. I f t h e r e a re two e r r o r s, and t h e r e i s d o u b t a b o u t w h ich g ro u p he b e lo n g s t o, th e e r r o r w i l l b e s p l i t t w o - th ir d s n e g a tiv e, tw o - th ir d s p o s i t i v e, o n e - t h i r d n e g a tiv e, and t w o - th i r d s p o s i t i v e i n t h a t o r d e r f o r th e f o u r r e s p o n s e s in v o lv e d. V a l i d i t y o f S c a le S c o re s.and Ju s.t.i ic.a t.i.qn-0. -IIg.e. T here a r e - t h r e e c r i t e r i a t o e s t a b l i s h th e v a l i d i t y o f a s c a le i n th e G uttm an s e n s e ; l ) t h e c o e f f i c i e n t o f r e p r o d u c i b i l i t y m ust b e.9 0 o r o v e r. Th@ c o e f f i c i e n t i s c a l c u l a t e d by t o t a l i n g th e number o f e r r o r s and d iv id i n g t h i s by th e num ber o f r e s p o n d e n ts m u ltip l ie d by th e number o f s ta te m e n ts, a l l s u b tr a c te d from 1 o r : 6/ C o e f f i c ie n t o f T o ta,! number..of_errpr_g r e p r o d u c i b i l i t y Number o f r e s p o n d e n ts x num ber o f ite m s I t h a s a p o s s ib l e ra n g e from z e ro to o n e. 2) No ite m i n th e s c a le h a s a t o t a l p o s i t i v e o r n e g a tiv e e r r o r w hich i s m ore th a n $0 p e r c e n t o f th e p o s i t i v e re s p o n s e ( f o r th e p o s i t i v e e r r o r ) o r n e g a tiv e r e s p o n s e ( f o r th e n e g a tiv e e r r o r ). 3) T hat th e t o t a l num ber o f e r r o r s f o r any ite m i s no m ore th a n 15r p e r c e n t o f th e t o t a l num ber o f re s p o n s e s f o r t h a t ite m. U I b i d.. p. 10.
28 T h at th e s e q u a l i f i c a t i o n s a re m et may be d e te rm in e d from a t a b l e such as. T ab le T I, w hich shows th e num ber o f p o s i t i v e r e s p o n s e s and t h e i r e r r o r s, th e num ber o f n e g a tiv e r e s p o n s e s and t h e i r e r r o r s, t o t a l e r r o r s and p e r c e n t o f e r r o r s f o r e a c h ite m. TABLE I I. GUTTMAN SCALE ANALYSIS EOR PLANNING ATTITUDES S c h e d u le s P o s i t i v e s N e g a tiv e «E r r o r s Q uestion'- s R e sp o n se s s E r r o r s s R e sp o n se s E r r o r s ; T o ta l _ : T o ta l Number Number Number Number Number P e r c e n t ' T o ta l C o e f f i c ie n t o f r e p r o d u c i b i l i t y - I % 251 x 8 To o b ta in th e t a b l e th e num ber o f n e g a tiv e and p o s i t i v e re s p o n s e s a re c o u n te d f o r e a c h q u e s tio n a lo n g w ith t h e i r r e s p e c tiv e e r r o r s. T h is i s done from th e t a b u l a t e d s h e e t o b ta in e d by l i s t i n g th e c a r d s used f o r th e m achine m ethod o f s c a l i n g. The m achine may b e used t o c o u n t th e t o t a l e r r o r s, t o t a l n e g a tiv e e r r o r s and t o t a l p o s i t i v e e r r o r s so th e r e s e a r c h e r n eed n o t go th ro u g h t h i s c o u n tin g p r o c e s s by hand. I n T ab le I I th e c r i t e r i o n t h a t no ite m have more th a n $0 p e rc e n t e r r o r i s n o t m et. A f te r o b s e rv in g t h a t two o f t h e c r i t e r i a had b e e n m et, th e re s p o n s e p a t t e r n o f a l l re s p o n d e n ts was s tu d ie d and i t was d e c id e d t h a t th e s e ite m s sh o u ld n o t b e r e s c a le d.a s. w ould be s u g g e s te d by th e. c r i t e r i o n. V
29 20 T h is c o n c lu s io n was re a c h e d b e c a u s e i n i n s t a n c e s w here t h e r e a re more th a n a 50 p e r c e n t e r r o r i t w i l l b e n o tic e d t h a t t h e r e a re v e ry few r e s p o n d e n ts, m ost o f w h ich answ ered i n c o r r e c t l y. T h is s u g g e s ts t h a t judgm ent sh o u ld b e used i n a p p l i c a t i o n o f th e c r i t e r i a. A lth o u g h a t t i t u d e s a lo n e c a n n o t b e c o n s id e re d as d e te r m in a n ts o f f a r m e r 's a c t i o n, t h e i r u se i n a g r i c u l t u r a l econom ics r e s e a r c h may le a d t o i n s i g h t s i n t o th e s o l u t i o n s o f p ro b le m s c o n s id e r e d im p o rta n t by th e f a r m e r s th e m s e lv e s. T h is p o in t i s i l l u s t r a t e d more f u l l y i n C h a p te r I I I. CONTINGENCY TABLES A f te r th e s c a l e s c o re h a s b e e n d e te rm in e d 1 f o r e a c h re s p o n d e n t and we know th e d e g re e o f f a v o r a b le n e s s o r u n f a v o r a b le n e s s th e n e x t s te p i s to d e te rm in e w hat f a c t o r s in f lu e n c e th e r e s p o n d e n t 's a t t i t u d e to w ard c ro p in s u r a n c e. To do t h i s c o n tin g e n c y t a b l e s w ere c o n s tr u c te d t o com pare s c a l e s c o r e s t o o th e r f a c t o r s t h a t a p p e a re d t o b e a p p r o p r i a t e. A l i s t o f th e f a c t o r s t e s t e d a re i n C h a p te r I I I. I n te r v ie w s w ith fa rm e rs s u g g e s te d t h a t th e s e f a c t o r s may a f f e c t th e f a r m e r 's a t t i t u d e s. T a b le I I I i s an exam ple o f a c o n tin g e n c y t a b l e. I n t h i s t a b l e th e s c a l e s c o r e s a p p e a r on one s id e and 'farm s i z e a p p e a rs on th e to p. The t a b l e th e n shows- how many tim e s th e s c a l e s c o re 0-4 was a s s o c ia te d w ith e a c h fa rm s i z e g ro u p. F o r exam ple,, s c a l e s c o re 0-4 was a s s o c ia te d w ith th e group u n d e r 600 c ro p a c r e s 29 tim e s, w ith th e 600-1,0 9 9 group 24 tim e s, w ith th e 1, 100-1,3 9 9 g roup 8 tim e s, and w ith th e 1, ,4 9 9 g ro u p 20 tim e s.
w ith In fla m m a to r y B o w e l D ise a se. G a s tro in te s tin a l C lin ic, 2-8 -2, K a s h iw a z a, A g e o C ity, S a ita m a 3 6 2 -
E ffic a c y o f S e le c tiv e M y e lo id L in e a g e L e u c o c y te D e p le tio n in P y o d e r m a G a n g re n o su m a n d P so r ia sis A sso c ia te d w ith In fla m m a to r y B o w e l D
More informationAN EVALUATION OF SHORT TERM TREATMENT PROGRAM FOR PERSONS DRIVING UNDER THE INFLUENCE OF ALCOHOL 1978-1981. P. A. V a le s, Ph.D.
AN EVALUATION OF SHORT TERM TREATMENT PROGRAM FOR PERSONS DRIVING UNDER THE INFLUENCE OF ALCOHOL 1978-1981 P. A. V a le s, Ph.D. SYNOPSIS Two in d ep en d en t tre a tm e n t g ro u p s, p a r t ic ip
More informationA n d r e w S P o m e r a n tz, M D
T e le h e a lth in V A : B r in g in g h e a lth c a r e to th e u n d e r s e r v e d in c lin ic a n d h o m e A n d r e w S P o m e r a n tz, M D N a tio n a l M e n ta l H e a lth D ir e c to r f
More informationB a rn e y W a r f. U r b a n S tu d ie s, V o l. 3 2, N o. 2, 1 9 9 5 3 6 1 ±3 7 8
U r b a n S tu d ie s, V o l. 3 2, N o. 2, 1 9 9 5 3 6 1 ±3 7 8 T e le c o m m u n ic a t io n s a n d th e C h a n g in g G e o g r a p h ie s o f K n o w le d g e T r a n s m is s io n in th e L a te
More informationW h a t is m e tro e th e rn e t
110 tv c h a n n e ls to 10 0 0 0 0 u s e rs U lf V in n e ra s C is c o S y s te m s 2 0 0 2, C is c o S y s te m s, In c. A ll rig h ts re s e rv e d. 1 W h a t is m e tro e th e rn e t O b je c tiv
More informationEM EA. D is trib u te d D e n ia l O f S e rv ic e
EM EA S e c u rity D e p lo y m e n t F o ru m D e n ia l o f S e rv ic e U p d a te P e te r P ro v a rt C o n s u ltin g S E p p ro v a rt@ c is c o.c o m 1 A g e n d a T h re a t U p d a te IO S Es
More informationCIS CO S Y S T E M S. G u ille rm o A g u irre, Cis c o Ch ile. 2 0 0 1, C is c o S y s te m s, In c. A ll rig h ts re s e rv e d.
CIS CO S Y S T E M S A c c e s s T e c h n o lo g y T e le c o m /IT Co n n e c tiv ity W o rk s h o p G u ille rm o A g u irre, Cis c o Ch ile g m o.a g u irre @ c is c o.c o m S e s s io n N u m b e
More informationJ a re k G a w o r, J o e B e s te r, M a th e m a tic s & C o m p u te r. C o m p u ta tio n In s titu te,
1 4 th IE E E In te r n a tio n a l S y m p o s iu m o n H ig h P e r fo r m a n c e D is tr ib u te d C o m p u tin g (H P D C -1 4 ), R e s e a rc h T ria n g le P a rk, N C, 2 4-2 7 J u ly 2 0 0 5.
More informationB rn m e d s rlig e b e h o v... 3 k o n o m i... 6. S s k e n d e tils k u d o g k o n o m is k frip la d s... 7 F o r ld re b e ta lin g...
V e lf rd s s e k re ta ria te t S a g s n r. 1 4 3 4 1 5 B re v id. 9 9 3 9 7 4 R e f. S O T H D ir. tlf. 4 6 3 1 4 0 0 9 s o fie t@ ro s k ild e.d k G o d k e n d e ls e s k rite rie r fo r p riv a tin
More informationM P L S /V P N S e c u rity. 2 0 0 1, C is c o S y s te m s, In c. A ll rig h ts re s e rv e d.
M P L S /V P N S e c u rity M ic h a e l B e h rin g e r < m b e h rin g @ c is c o.c o m > M b e h rin g - M P L S S e c u rity 2 0 0 1, C is c o S y s te m s, In c. A ll rig h ts re s e rv e d. 1 W h
More information/* ------------------------------------------------------------------------------------
Pr o g r a m v a r e fo r tr a fik k b e r e g n in g e r b a s e r t p å b a s is k u r v e m e to d e n n M a tr ix * x M a tr ix E s ta lp h a B e ta ; n M a tr ix * z M a tr ix ; g e n M a tr ix X
More informationT ra d in g A c tiv ity o f F o re ig n In s titu tio n a l In v e s to rs a n d V o la tility
T ra d in g A c tiv ity o f F o re ig n In s titu tio n a l In v e s to rs a n d V o la tility V. Ravi Ans human Indian Ins titute of Manag ement B ang alore Rajes h Chakrabarti Indian S chool of Bus ines
More informationi n g S e c u r it y 3 1B# ; u r w e b a p p li c a tio n s f r o m ha c ke r s w ith t his å ] í d : L : g u id e Scanned by CamScanner
í d : r ' " B o m m 1 E x p e r i e n c e L : i i n g S e c u r it y. 1-1B# ; u r w e b a p p li c a tio n s f r o m ha c ke r s w ith t his g u id e å ] - ew i c h P e t e r M u la e n PACKT ' TAÞ$Æo
More informationErfa rin g fra b y g g in g a v
Erfa rin g fra b y g g in g a v m u ltim e d ia s y s te m e r Eirik M a u s e irik.m a u s @ n r.n o N R o g Im e d ia N o rs k R e g n e s e n tra l fo rs k n in g s in s titu tt in n e n a n v e n d
More informationHow To Read A Book
DECOMPOSING MODERNITY Im ages o f Human E x is te n c e in th e w r itin g s o f E rn e s t B e c k e r B y S te p h e n W illiam M a rtin A TH ESIS in partial fulfillment of the requirements of the Masters
More informationCombinación de bandas óptima para la discriminación de sabanas colombianas, usando imagen Landsat ETM+ZYXWVUTSRQPONMLKJIHGFEDCB
Combinación de bandas óptima para la discriminación de sabanas colombianas, usando imagen Landsat ETM+ZYXWVUTSRQPONMLKJIHGFEDCB O p t i m a l L a n d s a t E T M + b a n d 's c o m b i n a t i o n f o
More informationE S T A D O D O C E A R Á P R E F E I T U R A M U N I C I P A L D E C R U Z C Â M A R A M U N I C I P A L D E C R U Z
C O N C U R S O P Ú B L I C O E D I T A L N º 0 0 1 / 2 0 1 2 D i s p õ e s o b r e C o n c u r s o P ú b l i c o p a r a p r o v i m e n t o c a r g o s e v a g a s d a P r e f e i t u r a M u n i c i
More informationS y ste m s. T h e D atabase. D atabase m anagem e n t sy ste m
1 C h apte r 1 1 A D atabase M anagem e n t S y ste m s 1 D atabase M anagem e n t S y ste m s D atabase m anagem e n t sy ste m (D B M S ) S to re larg e co lle ctio n s o f d ata O rg anize th e d ata
More informationP R E F E I T U R A M U N I C I P A L D E J A R D I M
D E P A R T A M E N T O D E C O M P R A S E L I C I T A O A U T O R I Z A O P A R A R E A L I Z A O D E C E R T A M E L I C I T A T с R I O M O D A L I D A D E P R E G O P R E S E N C I A L N 034/ 2 0
More informationUp c om i n g Events
BCASA NEWSLETTER B o s to n C h a p te r o f th e A m e ric a n Sta tis tic a l A s s o c ia tio n Serving Maine, Massachusetts, New Hampshire, Rhode Island, and Vermont Vo lu m e 2 9, N o. 3, J a n u
More informationM Mobile Based Clinical Decision Support System Bhudeb Chakravarti & Dr. Suman Bhusan Bhattacharyya Provider & Public Health Group, VBU-HL P S aty am C om puter S ervices L im ited Bhudeb_ C hak ravarti@
More informationUFPA Brazil. d e R e d e s Ó p tic a s e s e u s Im p a c to s n o F u tu r o d a In te r n e t
A v a n ç o s n o P la n o d e C o n tr o le d e R e d e s Ó p tic a s e s e u s Im p a c to s n o F u tu r o d a In te r n e t A n to n io A b e lé m a b e le m @ u fp a.b r Agenda In tr o d u ç ã o C
More informationHealth, Insurance, and Pension Plans in Union Contracts
Health, Insurance, and Pension Plans in Union Contracts Bulletin N o. 1187 UNITED STATES DEPARTMENT OF LABOR James P. Mitchell, Secretary BUREAU OF LABOR STATISTICS Ewan Clague, Commissioner Health, Insurance,
More informationH ig h L e v e l O v e r v iew. S te p h a n M a rt in. S e n io r S y s te m A rc h i te ct
H ig h L e v e l O v e r v iew S te p h a n M a rt in S e n io r S y s te m A rc h i te ct OPEN XCHANGE Architecture Overview A ge nda D es ig n G o als A rc h i te ct u re O ve rv i ew S c a l a b ili
More informationC + + a G iriş 2. K o n tro l y a p ıla rı if/e ls e b re a k co n tin u e g o to sw itc h D ö n g ü le r w h ile d o -w h ile fo r
C + + a G iriş 2 K o n tro l y a p ıla rı if/e ls e b re a k co n tin u e g o to sw itc h D ö n g ü le r w h ile d o -w h ile fo r F o n k s iy o n la r N e d ir? N a s ıl k u lla n ılır? P ro to tip v
More informationC o m p u te r M o d e lin g o f M o le c u la r E le c tro n ic S tru c tu re
C o m p u te r M o d e lin g o f M o le c u la r E le c tro n ic S tru c tu re P e te r P u la y D e p a rtm e n t o f C h e m is try a n d B io c h e m is try, U n iv e rs ity o f A rk a n s a s, F a
More informationSoftware Quality Requirements and Evaluation, the ISO 25000 Series
Pittsburgh, PA 15213-3890 Software Quality Requirements and Evaluation, the ISO 25000 Series PSM Technical Working Group February 2004 Dave Zubrow Sponsored by the U.S. Department of Defense Background
More informationCritical Review MYSID CRUSTACEANS AS POTENTIAL TEST ORGANISMS FOR THE EVALUATION OF ENVIRONMENTAL ENDOCRINE DISRUPTION: A REVIEW
Coi Nb I^HIpRESSj Environm ental Toxicology and Chem istry, Vol. 23, No. 5, pp. 1219-1234, 2004 P rinted in ihc USA 0730-7 2 6 8 /0 4 $12.00 +.00 Critical Review MYSID CRUSTACEANS AS POTENTIAL TEST ORGANISMS
More information1.- L a m e j o r o p c ió n e s c l o na r e l d i s co ( s e e x p li c a r á d es p u é s ).
PROCEDIMIENTO DE RECUPERACION Y COPIAS DE SEGURIDAD DEL CORTAFUEGOS LINUX P ar a p od e r re c u p e ra r nu e s t r o c o rt a f u e go s an t e un d es a s t r e ( r ot u r a d e l di s c o o d e l a
More informationPurpose of presentation
ECONOMIC REGULATION Purpose of presentation To provide the Status Quo on Economic Regulation To indicate the ideal situation WHERE DOES THE MANDATE COME FROM? Constitution Water Services Act Section 10
More informationSCO TT G LEA SO N D EM O Z G EB R E-
SCO TT G LEA SO N D EM O Z G EB R E- EG Z IA B H ER e d it o r s N ) LICA TIO N S A N D M ETH O D S t DVD N CLUDED C o n t e n Ls Pr e fa c e x v G l o b a l N a v i g a t i o n Sa t e llit e S y s t e
More informationW Regional Cooperation in the Field of A u tom otiv e E ngineering in S ty ria Dr. Peter Riedler 2 9.1 1.2 0 1 1 i e n GmbH Graz B u s ines s S trategy S ty ria 2 0 2 0 H is tory 1 9 9 4 1 9 9 5 1 9 9
More informationFrederikshavn kommunale skolevæsen
Frederikshavn kommunale skolevæsen Skoleåret 1969-70 V e d K: Hillers-Andersen k. s k o l e d i r e k t ø r o g Aage Christensen f u l d m æ g t i g ( Fr e d e rik sh av n E k sp r e s- T ry k k e rie
More informationCloud Computing Strategic View
Donald Bell IBM Academic Initiative April 2010 bellds@us.ibm.com Cloud Computing Strategic View Strategy & Enterprise Initiatives Topics Cloud Computing IBM Academic Skills Cloud (Pilot) 2 http://www.youtube.com/watch?v=qb2hjpaqy-k&fmt=18',686,580);
More informationT c k D E GR EN S. R a p p o r t M o d u le Aa n g e m a a k t o p 19 /09 /2007 o m 09 :29 u u r BJB 06 013-0009 0 M /V. ja a r.
D a t a b a n k m r in g R a p p o r t M Aa n g e m a a k t o p 19 /09 /2007 o m 09 :29 u u r I d e n t if ic a t ie v a n d e m S e c t o r BJB V o lg n r. 06 013-0009 0 V o o r z ie n in g N ie u w la
More informationOperational Risk Register. Legal Dem ocratic & Regulatory
Risk Risk F in a n c e & G o v e rn a n c e > > L e g a l D e m o c ra tic & R e g u la to ry - S te v e B a k e r L D R _ F 0 1 - L a c k o f re s o u rc e s to b e a b le to s p e n d th e a p p ro p
More informationDESIGNING A HYBRID DOMESTIC VIOLENCE PROSECUTION CLINIC:
FILE:C:\WP51\LYNCH.DTP Jan 01/10/06 Tue 10:22AM DESIGNING A HYBRID DOMESTIC VIOLENCE PROSECUTION CLINIC: Making Bedfellows of Academics, Activists and Prosecutors to Teach Students According to Clinical
More informationL a h ip e r t e n s ió n a r t e r ia l s e d e f in e c o m o u n n iv e l d e p r e s ió n a r t e r ia l s is t ó lic a ( P A S ) m a y o r o
V e r s i ó n P á g i n a 1 G U I A D E M A N E J O D E H I P E R T E N S I O N E S C E N C I A L 1. D E F I N I C I O N. L a h ip e r t e n s ió n a r t e r ia l s e d e f in e c o m o u n n iv e l d
More informationA Unified Approach to Statistical Estimation and Model Parameterisation in Mass Calibration
A Unified Approach to Statistical Estimation and Model Parameterisation in Mass Calibration by Thom as S. Leahy B.Sc. i» A Thesis presented to Dublin City University For the Degree of D octor of Philosophy
More informationAn E mpir ical Analysis of Stock and B ond M ar ket Liquidity
A p r il 2 2, 2 0 0 2 An E mpir ical Analysis of Stock and B ond M ar ket Liquidity Ta r u n Ch o r d ia, A s a n i S a r ka r, a n d A va n id h a r S u b r a h m a n ya m Go iz u e t a B u s in e s s
More informationI n la n d N a v ig a t io n a co n t r ib u t io n t o eco n o m y su st a i n a b i l i t y
I n la n d N a v ig a t io n a co n t r ib u t io n t o eco n o m y su st a i n a b i l i t y and KB rl iak s iol mi a, hme t a ro cp hm a5 a 2k p0r0o 9f i,e ls hv oa nr t ds eu rmv oedye l o nf dae cr
More informationB R T S y s te m in S e o u l a n d In te g r a te d e -T ic k e tin g S y s te m
Symposium on Public Transportation in Indian Cities with Special focus on Bus Rapid Transit (BRT) System New Delhi 20-21 Jan 2010 B R T S y s te m in S e o u l a n d In te g r a te d e -T ic k e tin g
More informationUnit 16 : Software Development Standards O b jec t ive T o p r o v id e a gu ide on ho w t o ac h iev e so f t wa r e p r o cess improvement through the use of software and systems engineering standards.
More informationUNDERSTANDING FLOW PROCESSING WITHIN THE CISCO ACE M ODULE Application de liv e r y pr odu cts can distr ib u te tr af f ic to applications and w e b se r v ice s u sing v ar y ing le v e ls of application
More informationGlasCraft Air Motor Repair Kits
Parts GlasCraft ir Motor Repair Kits 30393B ENG For replacing wear items used on GlasCraft air motors. For professional use only. Not for use in explosive atmospheres. Models M-325, M-500-02, GC2267, GC2273
More informationaz 1995. évi L X V. tv. 28. -á ra figyelem m el 20. sz á m ú UTASÍTÁSA B u d a p e s t, 1 9 6 7. é v i jú liu s hó 2 8 -á n.
BELÜGYMINISZTÉRIUM SZOLGÁLATI HASZNÁLATRA! 1 0-2 4 /2 0 /1 9 6 7. A M I N Ő S Í T É S M E G S Z Ű N T az 1995. évi L X V. tv. 28. -á ra figyelem m el A MAGYAR NÉPKÖZTÁRSASÁG BELÜGYMINISZTERHELYETTESÉNEK
More informationApplication Note: Cisco A S A - Ce r t if ica t e T o S S L V P N Con n e ct ion P r of il e Overview: T h i s a p p l i ca ti o n n o te e x p l a i n s h o w to co n f i g u r e th e A S A to a cco m
More informationTHE UNIVERSITY OF SAN DIEGO CRIMINAL CLINIC: IT'S ALL IN THE MIX
FILE:N:\DTP\MISS\LEAD.RAW Jan 01/10/06 Tue 10:20AM THE UNIVERSITY OF SAN DIEGO CRIMINAL CLINIC: IT'S ALL IN THE MIX Jean Montoya * Although many legal educators would place the birth of clinical legal
More informationHow to Successfully Integrate with ERP and Expense Management Systems
Treasury and Trade Solutions Citi Commercial Cards Innovation, Efficiency, Simplicity. 2015 Commercial Cards Conference May 18-20, 2015 How to Successfully Integrate with ERP and Expense Management Systems
More informationEngenharia de Software
Engenharia de Software Gerenciamento de Projeto Ian Sommerville 2000 Software Engineering, 6th edition. Chapter 4 Slide 1 Gerenciamento de Projeto Organização, planejamento e agendamento de projetos de
More informationPublic Health is Like..
Public Health is Like.. A box of chocolates. you never know what your gonna get, Forrest Gump. So... Build the evidence-base for public health practice Building the Evidence- Base Science is contributing
More informationLiability Insurance for Public Agencies
Liability Insurance for Public Agencies C harles J. V an A rsdel President of the Insurance Institute of Indiana, Inc. Indianapolis, Indiana IN T R O D U C T IO N In this paper I will show w hat has brought
More informationCreating a best fit between Business Strategy and Web Services Capabilities using Problem Frames Modeling approach
Creating a best fit between Business Strategy and Web Services Capabilities using Problem Frames Modeling approach Anju Jha 1, Karl Cox 2 & Keith T. Phalp 3 1 School of Computer Science and Engineering
More informationPerformance Engineering of a
Efforts Required For Performance Engineering of a eb Application Dr. K.K. Aggarwal, Dr. Yogesh Singh & Ms. Vandana Gupta ABSTRACT NewPort group research states that 52% of the Web applications fail to
More informationThe h o rtic u ltu r e in. Jammu and Kashmir. State i s one of the oldest industries and. economy. It s contribution to the State economy
Introduction 1 The h o rtic u ltu r e in. Jammu and Kashmir State i s one of the oldest industries and t constitutes inaespensible sector in States economy. It s contribution to the State economy has been
More informationCollaboration in Public H e alth be tw e e n U niv e rs ity of H e id e lbe rg and U niv e rs ity of D ar e s S alaam How t h e c oop e r a t i on e m e r g e d Informal c ont ac t s from e arly 1 9
More informationWorkload Management Services. Data Management Services. Networking. Information Service. Fabric Management
The EU D a t a G r i d D a t a M a n a g em en t (EDG release 1.4.x) T h e Eu ro p ean Dat agri d P ro j ec t T eam http://www.e u - d a ta g r i d.o r g DataGrid is a p ro j e c t f u n de d b y th e
More informationUNITED STATES DEPARTMENT OF LABOR W. Willard Wirtz, Secretary
E m p l o y e r E x p e n d it u r e s fo r S ele e te d S u p p le m e n ta r y C o m p e n s a tio n P ra c tic e s fo r P r o d u c t io n a n d R e la te d W o r k e r s Dayton & Montgomery Co- " public
More informationA Practical Usage of Innovative Web Design Methodology: The Relational Modeling Methodology
Abstract The web platform has transformed itself in the few years since its inception in 1993 from an instrument used merely to establish on-line presence to a platform that can support all facets of organizational
More informationData Center end users for 40G/100G and market dy nami c s for 40G/100G on S M F Adam Carter Ci s c o 1 W Now that 40GbE is part of the IEEE 802.3ba there will be a wid er array of applic ation s that will
More informationA CMOS Programmable Analog Memory-Cell Array Using Floating-Gate Circuits
4 IEEE TRANSACTIONS ON CIRCUITS AND SYSTEMS II: ANALOG AND DIGITAL SIGNAL PROCESSING, VOL. 48, NO. 1, JANUARY 2001 A CMOS Programmable Analog Memory-Cell Array Using Floating-Gate Circuits R eid R. H arrison,
More informationDer Bologna- P roz es s u nd d i e S t aat s ex am Stefan Bienefeld i na Service-St el l e B o l o g n a d er H R K Sem in a r D er B o l o g n a P ro z es s U m s et z u n g u n d M it g es t a l t u
More informationFirst A S E M R e c to rs C o n f e re n c e : A sia E u ro p e H ig h e r E d u c a tio n L e a d e rsh ip D ia l o g u e Fre ie U n iv e rsitä t, B e rl in O c to b e r 2 7-2 9 2 0 0 8 G p A G e e a
More informationSEARCH WARRANTS IN AN ERA OF DIGITAL EVIDENCE
FILE:C:\WINDOWS\DESKTOP\MYBRIE~1\KERRRAW.BK! 12/13/05 Tue 12:52PM Dec SEARCH WARRANTS IN AN ERA OF DIGITAL EVIDENCE Orin S. Kerr * ABSTRACT This Article contends that the legal rules regulating the search
More informationBeverlin Allen, PhD, RN, MSN, ARNP
Pressure Ulcers & Nutritional Deficits in Elderly Long-Term Care Patients: Effects of a Comprehensive Nutritional Protocol on Pressure Ulcer Healing, Length of Hospital Stay & Health Care Charges Beverlin
More informationM ethodology & Taiwan s P erfor m ance
T im es H igher - QS W orld University R ank ings M ethodology & Taiwan s P erfor m ance B e n S o w te r H e a d o f R e s e a rc h QS T aiwan 11 A pril 2008 S peak er I ntroduction r a d u a te d in
More informationCampus Sustainability Assessment and Related Literature
Campus Sustainability Assessment and Related Literature An Annotated Bibliography and Resource Guide Andrew Nixon February 2002 Campus Sustainability Assessment Review Project Telephone: (616) 387-5626
More informationSCHOOL PESTICIDE SAFETY AN D IN TEG R ATED PEST M AN AG EM EN T Statutes put into law by the Louisiana Department of Agriculture & Forestry to ensure the safety and well-being of children and school personnel
More information3rd Annual Eclipse Global Enterprise Survey Research Findings. Public Version
3rd Annual Eclipse Global Enterprise Survey Research Findings Public Version Evans Data Corporation 740 Front St., Suite 240 Santa Cruz, CA 95060 800-831-3080 www.evansdata.com September, 2007 Background
More informationproxy cert request dn, cert, Pkey, VOMS cred. (short lifetime) certificate: dn, ca, Pkey mod_ssl pre-process: parameters->
Overview of the New S ec u rity M od el WP6 Meeting V I D t G R I D C o nf er enc e B r c el o ne, 1 2-1 5 M y 2 0 0 3 Overview focus is on VOMS C A d e t il s r e in D 7. 6 Se cur it y D e sig n proxy
More informationre:think creativity ICT and tourism: gaming and creative technologies & applications
re:think creativity ICT and tourism: gaming and creative technologies & applications Presented by: Dr. N ik o s V o g ia t zis Corallia co-founder & chief Development & Operations officer gi-cluster Governance
More information1 D e r 1. S c h u l t a g M a l e a u s. S c h re i b e d e i n e n N a m e n u n t e r e i n K i n d. 1 2 D a s b i n i c h M a l e d i c h s e l b e r. 2 3 F re u n d e M a l e d i c h u n d d e i n
More informationC e r t ifie d Se c u r e W e b
C r t ifi d S c u r W b Z r t ifizi r t Sic h r h it im W b 1 D l gat s N ic o las M ay n c o u r t, C EO, D r am lab T c h n o lo gi s A G M ar c -A n d r é B c k, C o n su lt an t, D r am lab T c h n
More informationBENEFITS OF AN INTEGRATED (PROSECUTION & DEFENSE) CRIMINAL LAW CLINIC
FILE:C:\WINDOWS\DESKTOP\MYBRIE~1\LINDAS.WP 01/10/06 Tue 10:22AM Jan BENEFITS OF AN INTEGRATED (PROSECUTION & DEFENSE) CRIMINAL LAW CLINIC Linda F. Smith * This article describes the University of Utah's
More informationO s OAM Requirements for 40/100 GE Eth ernet AI S? Gary Nicholl C is co S ys t e m I E E E 8 0 2. 3 b a T as k F orce M arch 1 8, 2 0 0 8 rlan d o, F L 1 O O O O Background E t h e r n e t i s r a p i
More informationNAVY TODAY. -jr. c v ^ s c - s> * * * SShT: - w. s** ' ; - _. *ss- ' " *.. ** - '
s** a NAVY TODAY * * * SShT: - w ' ; - _. *ss- ' " *.. ** -jr. c v ^ s c - s> - ' The Royal Australian Navy Today The Royal A u stra lia n Navy goes i nt o th e 19 70 s w ith a stren gth unequalled in
More informationACE-1/onearm #show service-policy client-vips
M A C E E x a m Basic Load Balancing Using O ne A r m M ode w it h S ou r ce N A T on t h e C isco A p p licat ion C ont r ol E ngine Goal Configure b a s ic l oa d b a l a nc ing (L a y er 3 ) w h ere
More informationG ri d m on i tori n g w i th N A G I O S (*) (*) Work in collaboration with P. Lo Re, G. S av a and G. T ortone WP3-I CHEP 2000, N F N 10.02.2000 M e e t i n g, N a p l e s, 29.1 1.20 0 2 R o b e r 1
More information40 20 L in z. 1 7. O k tober 2 0 0 7
Neurochirurgische Abteilung T heoretische Neurochirurgie M ag a. Sabine Spiegl-Kreinecker Tel: + 43 (0)50 554/62-26092 E -mail: sabine.spiegl-kreinecker@ gespag.at 1 7. O k tober 2 0 0 7 A n d e n V e
More information7 A MANAGEMENT MODEL STUDY
7.1 Aim s and Objectives of the Management Model Study Positive Solutions is part of the consultant team and is w orking on the governance and m anagem ent model to ensure appropriate operating arrangements
More informationon Enhancing Highway Safety Through Engineering Management
Enhancing Highway Safety Through Engineering Management Harold L. Michael* * Head, School of Civil Engineering, Purdue University, director, Joint Highway Research Project, and co-chairman, 68th Annual
More informationS c h ools a n d W e b 2.0: a c ritic a l pe rspe c tiv e
S c h ools a n d W e b 2.0: a c ritic a l pe rspe c tiv e Lon don K n ow le dge L ab In stituto de la Educació n U n iv e rsidad de Lon dre s, R e in o U n ido Resumen: E ste a rtíc u lo ofre c e u n a
More informationBUSINESS INSURANCE. S u m m a ry o f C o v e r December 2013 Edition. An Insurance Package for Businesses. Why Choose InterCounty s Insurance Package?
BUSINESS INSURANCE S u m m a ry o f C o v e r December 2013 Edition An Insurance ackage for Businesses. Why Choose InterCounty s Insurance ackage? InterCounty s Business Insurance ackage offers you generous
More informationCUSTOMER INFORMATION SECURITY AWARENESS TRAINING
CUSTOMER INFORMATION SECURITY AWARENESS TRAINING IN T RO DUCT ION T h i s c o u r s e i s d e s i g n e d to p r o v i d e yo u w i t h t h e k n o w l e d g e to p r o t e c t y o u r p e r s o n a l
More informationG S e r v i c i o C i s c o S m a r t C a r e u ي a d e l L a b o r a t o r i o d e D e m o s t r a c i n R ل p i d a V e r s i n d e l S e r v i c i o C i s c o S m a r t C a r e : 1 4 ع l t i m a A c
More informationC O R N E L L U N I V E R S I T Y O F F I C I A L P U B L I C A T I O N OCTO BER 7, 1953 P r i ^ e C o m p e t i t i o n s
C O R N E L L U N I V E R S I T Y O F F I C I A L P U B L I C A T I O N OCTOBER 7, 1953 P r i ^ e C o m p e t i t i o n s C o n t e n t s Prizes open to students in: The College of Agriculture... 11 The
More informationPSTN. Gateway. Switch. Supervisor PC. Ethernet LAN. IPCC Express SERVER. CallManager. IP Phone. IP Phone. Cust- DB
M IPCC EXPRESS Product Solution (IPCC - IP Co n t a c t Ce n t e r ) E i n f ü h r u n g Ü b e r h u nd e r t M il l io ne n N u t ze r - P r o g no s e n zu f o l g e w e r d e n e s in d ie s e m J ah
More informationSpace Liability Insurance
Space Liability Insurance John A. Horner Managing Director Marsh Space Projects John Horner Marsh Space Projects Space Contracting Best Efforts Non-recourse Mutual Waivers and Hold Harmless between parties
More informationMaterial Design and Production subprocess - 1/12
Material Design and Production subprocess - 1/12 MATERIAL DESIGN AND PRODUCTION MODELS M aterial design and production general m odel MATERIAL DESIGN MATERIAL PRODUCTION D1 P1 Specific processes of each
More informationHow To Be A Successful Thai
D The Joint Master of Science eg ree C ou rse in V eterinary P u b l ic H eal th ( MScVPH), F U -C MU Dr. L e rt ra k S ri k i t j a k a rn R e g i o n a l C e n t re f o r V e t e ri n a ry P u b l i
More informationUnderstanding, Modelling and Improving the Software Process. Ian Sommerville 1995 Software Engineering, 5th edition. Chapter 31 Slide 1
Process Improvement Understanding, Modelling and Improving the Software Process Ian Sommerville 1995 Software Engineering, 5th edition. Chapter 31 Slide 1 Process improvement Understanding existing processes
More information3 S 3 'S INNOVATIVE MULTI-PURPOSE OFFSHORE PLATFORMS
3 S 3 'S INNOVATIVE MULTI-PURPOSE OFFSHORE PLATFORMS INTRODUCTION I ncreasingly, E uropean seas and oceans are su b je ct to the de ve lo p m e n t o f m a rin e in fra s tru c tu re such as o ffshore
More informationPut the human back in Human Resources.
Put the human back in Human Resources A Co m p l et e Hu m a n Ca p i t a l Ma n a g em en t So l u t i o n t h a t em p o w er s HR p r o f essi o n a l s t o m eet t h ei r co r p o r a t e o b j ect
More informationFunding health care: The role of public and private and the role of the actuary
Funding health care: The role of public and private and the role of the actuary Alva ro Castro-Gutiérrez and Giovanna Ferrara Sw itzerland In te r na tion a l He a lth Se m in a r 27th ICA, Cancun 2002
More informationPositioning 40 and 100 GbE in data center inter-sw itch l ink ap p l ications and 40GbE PM D recom m endations Adam Carter, Cisco Al essan dro B arb ieri, Cisco 1 m Data Center inter-s w itc h l ink ap
More informationManagement of the Belgian coast: Opinions and solutions
24363 Jo u rn a l o f C o a sta l C onservation 7: 129-144, 2001 'O EUCC: O palus Press Uppsala. P rinted in Sweden Vlaams Instituut voor dezae F la n d ers M a rin e In stitu te Management of the Belgian
More informationPenetration Testing. Module 20
Penetration Testing Module 20 Ethical Hacking and Countermeasures Penetration Testing P e n e t r a t i o n T e s t i n g M o d u le 2 0 Engineered by Hackers. Presented by Professionals. C E H E t h i
More informationClôtures tous types. Serrurerie sur mesure. Portails / Automatisme. Aménagements extérieurs. Maçonnerie. Terrasse / Allée.
Clôtures tous types Serrurerie sur mesure Portails / Automatisme Aménagements extérieurs Maçonnerie Terrasse / Allée Tout à l égout Petite V.R.D Collectivités Particuliers 2 ZA Réganeau 33380 MARCHEPRIME
More informationStudent Competition, NFVF Proposal 14/09/2010
Student Competition, NFVF Proposal 14/09/2010 Registration and Contact information: Full Name of Organisation: Animation South Africa Contact Person: Daniel Snaddon Head: Education sub-committee Telephone:
More information